Here is some of the information. Caution: These are real stories that may break your heart.
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Aug. 20, 2008 — Families with disabled children are struggling to keep food on the table, a roof over their heads, and to pay for needed health and dental care. But according to a new study from the University of North Carolina at Chapel Hill, these challenges are now falling on middle-income households and not just on poor families as previous research has found.
A 2011 article by CNN Money estimates the cost of raising the typical child from birth to 18 at $227,000. A study published in 2004 by the Centers for Disease Control and Prevention estimates the lifetime cost of raising a person with cerebral palsy at $1,150,921 beyond normal living costs. In reality, the cost is much higher because the figure does not include the typical costs for a person to live from age 18 to death. The study also did not include other expenses such as emergency room visits and lost wages resulting from caring for a person with cerebral palsy.
Real Life Testimony:
June 6, 2013 "oh. how can I put this delicately. WE'RE EFFING BROKE, thats HOW!! We've sold everything, houses, cars, second houses, third cars. 401k? Empty. Savings? Gone. We took lower paying jobs to be closer to home. We moved towns for better services. We sompletely changed our lifestyle to afford more services. We forego dental work for speech therapy. We eat peanut butter and jelly so we can have vision therapy. WE PAY AN ADVOCATE BEFORE OUR RENT. But, you know, other than that, it hasnt been too bad. We are blessed. In exchange for our efforts, our son has improved. Truly, measurably improved from non-verbal and nonresponsive at age 2 to engaged and highly verbal at age six. But it comes at a financial burden. One we happily bear, and would again. We cannot retire, are stressed beyond belief, and have terrible rotten teeth. But our son has improved."
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Living with a disabled child can have profound effects on the entire family–parents, siblings, and extended family members. It is a unique shared experience for families and can affect all aspects of family functioning. On the positive side, it can broaden horizons, increase family members' awareness of their inner strength, enhance family cohesion, and encourage connections to community groups or religious institutions. On the negative side, the time and financial costs, physical and emotional demands, and logistical complexities associated with raising a disabled child can have far-reaching effects as we describe below. The impacts will likely depend on the type of condition and severity, as well as the physical, emotional, and financial wherewithal of the family and the resources that are available.
June 6, 2013 , how has it affected our financial stability = we have NONE. at any given point in time we could end up hospitalized for months (case in point now), and my fiance could be out of work while we travel hundreds of miles between multiple hospitals. we lived on XXXXX's SSI, because we decided not to tell them we were inpatient, knowing that it would immediately cut our monthly payment from 721$ to 30$. wed rather have to pay it bacnd strangek slowly after the fact. we spent two months living on the kindness and charity of friends family and strangers.
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For parents, having a disabled child may increase stress, take a toll on mental and physical health, make it difficult to find appropriate and affordable child care, and affect decisions about work, education/training, having additional children, and relying on public support. It may be associated with guilt, blame, or reduced self-esteem. It may divert attention from other aspects of family functioning. The out-of-pocket costs of medical care and other services may be enormous. All of these potential effects could have repercussions for the quality of the relationship between the parents, their living arrangements, and future relationships and family structure. Having a disabled child may also affect parents' allocation of time and financial resources to their healthy and unhealthy children, their parenting practices, their expectations of healthy siblings in terms of achievement, responsibility, and short- and long-term contributions to the household, and the siblings' health and development. Finally, having a disabled child in the family may affect the contributions of time and financial resources on the part of the child's grandparents or other extended family members, the relationships of those individuals to the core family, and the financial, physical, and emotional well-being of those family members. All of these potential effects on families have implications for the health and well-being of disabled children.
Real Life Testimony:
June 6, 2013 - It has taken everything we have to barely stay afloat. When our son was born I had to quit my job & my husband had to take a lesser paying job so that he wouldn't have to travel anymore. We have a daughter as well as our medically fragile son. So he has to stay with her when I'm in the hospital with XXX. One of our hospitals is 3 hrs away. If it weren't for the help of friends & family we wouldn't have made it this far.
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Surprisingly little is known about the ripple effects of child disability on the family. Population-based research, particularly on demographic or economic outcomes, is scant. Existing studies indicate that having an infant with a serious health condition or health risk increases the likelihood that parents divorce[or live apart; that the mother does not work outside of the home; and that the mother relies on public assistance. It also leads to a reduction in the father's work hours. Another study found that parents with disabled children have lower rates of social participation than parents without a disabled child and that they are less likely to have large families.
Real Life Testimony:
June 6, 2013 xxx's dad left when he was a baby so i have always been a single mom working two jobs or more. after his surgery i could only keep one job since i am up all night with him on the vent. he has CCS California Children Services and they pay for all his vent/trach supplies and his formula, and he gets SSI. But like xxxxx said it is the unknown that is scary. what if i lose this job or xxxx has to go inpatient. We are not allowed to have more than 2000 saved, which is actually funny since we live check to check, but there is no security. my mom buys our groceries at least twice a month or we would starve.
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When a child is diagnosed with a chronic condition such as polymicrogyria, the entire family is affected. The dream of having a typical child is no longer a reality, and the family will experience many changes over time. Many of these children may live into adulthood and will be cared for in the home or communities by their parents or caregivers.
Any chronic illness is stressful. An important factor to note is that parents had many responsibilities prior to the birth of a child with chronic disabilities. With the additional responsibilities that must be managed, the stress level of the family may increase and can lead to frustration and exhaustion (Enrione et al., 2005).
Real Life Testimony:
June 6, 2013 I agree, you deplete everything you have to do the best you can for you child and you envision yourself as an elderly couple at 95 (if heaven help us we live that long) years old and working because you don't have a retirement.
Keep in mind too that with the number of kids in the pike, many states may have problems funding them all as adults. According to an article in the Poughkeepsie Journal a few years ago, in New York the average out of pocket cost to run a day program is $37k and the average out of pocket cost for a group home is $111k. Think about that over the average lifespan. Here is a link to the article:http://www.poughkeepsiejournal.com/article/20100905/NEWS/9050379/-Confidential-paper-Quality-care-developmentally-disabled-would-fall-without-overpayments
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Certain factors or transitional times can be very stressful for the families of children with chronic disabilities. Five such transitional events have been identified and include receiving the initial diagnosis, reorganizing tasks within the family, performing skills necessary to manage the condition, recognizing the child's failure to reach appropriate age-related milestones, and observing a change in the course of the child's illness (Meleski, 2002). It is helpful for the healthcare professional to be aware of these transitional times and to intervene with encouragement and guidance to help the family adapt to the situation. Interventions include providing support options, sharing information about the disorder, helping in the management of the child, supporting families with role changes, and assisting families with normalizing their lives (Meleski, 2002).
Real Life Testimony:
June 6, 2013 How about the fact that it took about two years for ssi to go through despite clear medical knowledge of brain damage, seizures, learning disabilities, etc. while we had no medical and seizure med cost 1000 dollars a month. Something needs to be done to help families who make slightly too much to qualify for medical insurance. Waiver programs have very long waits. For us it was 100 dollars over the state limit and my husband had to quit so my daughter could have her medicine. The sheer cost for some to get to medical appts also. There have been countless months where we drove anywhere from 100-500 miles to dr appts for our daughter alone. Knowing there are not really jobs out there that would work around the sheer number of appts we have in a month. Stuck at home because my husband, daughter and son are disabled and my husband lost his license due to seizures. I am the only one to run 3 people to many appts! Our county will give mileage for in county appts but there are far more appts out of county and 12.5 cents per mile does not even cover gas. Also the fact that the extreme mileage drove my car into ruins, but not allowed to use any of the large amount of ssi back pay towards another car to get to appts. Our children's hospital requires a parent to stay with children during hospital stays. That means either I have to stay there the entire time or drive the hour and a half to drop my husband off there, only to have to drive home again. I can't fathom how a single parent would be able to stay! If I stay, the rest of my family is stranded at home because my husband can't drive. The amount of time sitting in drs offices, because often times it's an hour before you even go back, then another hour before you leave. The amount of pain I am in by the time we get home because my sciatica and sitting/ driving that long. The times when we have to decide whether gas for the car, oil for the house or food for the pantry is more important because the income from disability and ssi does not near cover it all, unless of course I'd default on our home and go live in public housing. Having to explain to your typically developing children why they can't join a sport or have new clothes because most of the money has been spent on necessities. The stigma, looks and comments about why you don't work and all the people who think it's so easy to live off of disability. The hurt look on your child's face because her friends parents won't let her spend the night because they are scared of seizures. Trying to keep it together when your child is in a life and death situation. I've written a book already, but could probably come up with more.
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Of concern is evidence that indicates that these families are bearing more than their “fair share” of the costs of caring for their children. Families who care for a child with a disability are more likely to have non-reimbursed expenses for disability-related supports. The literature reports troubling findings that uncover an association between low income and children with special needs, with associations between these factors that might go both ways.
Of concern is evidence that indicates that these families are bearing more than their “fair share” of the costs of caring for their children. Families who care for a child with a disability are more likely to have non-reimbursed expenses for disability-related supports. The literature reports troubling findings that uncover an association between low income and children with special needs, with associations between these factors that might go both ways.
A recent national U.S. study reported that 40% of families of children with special health care needs experience a financial burden due to their child's condition. Similar findings have been reported in other countries.
Hence, not only is the child with the disability affected, but so is the family. For example, in order to meet their child's needs, families who care for a child with a disability are more likely to be single income families with lower quality jobs yielding lower incomes, to live in poor quality housing, and to live in poverty. Furthermore, these families are more likely to be single-parent families. Moreover, parents of a disabled child require more time off work and are more likely to work reduced hours and to decline overtime.
Real Life Testimony:
June 6, 2013 I just wanted to say that I have a daughter that was born premature and was diagnosed with Acute Lymphoblastic Leukemia and from both of these things combined we have a very unique situation. No one really has an answer for us. We work with Yale New Haven Hospital Child Study and a bunch of other Dr.'s and still don't have many answers. What we have been told is that she has a cognitive disorder and dispraxia along with autistic type qualities....it's been a struggle to say the least. We have given up hope on ever owning a house, more than one car , going on vacation...or even the movies. We pay for state insurance here in CT , but , because we look good on paper we don't get as many things as we need for our daughter. We have lost friends to this that " just don't understand why we can't just go out ". In 2010 we decided to go up against the school system that our daughter is in and we hired a lawyer so we now have that cost. I think that most of all what it makes us feel is alone. We are always the house where the play date is at , always the parents that take all of my daughters friends out because we are afraid that something will happen and the parents will not know what to do. Our family won't even watch our daughter anymore......it's been tough.
What I will say is that my husband and I work really hard to get my daughter to where she is today...REALLY HARD. Our motto is , suffer with her through it now to enjoy life later..
We wouldn't change our daughter for anything, but it would be nice to live in a world where familys like ours had more support.
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Economic Costs of Childhood Disability
Childhood disabilities entail a range of immediate and long-term economic costs that have important implications for the well-being of the child, the family, and society but that are difficult to measure. In an extensive research review, Mark Stabile and Sara Allin examine evidence about three kinds of costs—direct, out-of-pocket costs incurred as a result of the child’s disability; indirect costs incurred by the family as it decides how best to cope with the disability; and long-term costs associated with the child’s future economic performance. Not surprisingly, the evidence points to high direct costs for families with children with disabilities, though estimates vary considerably within these families. Out-of-pocket expenditures, particularly those for medical costs, for example, are higher among families with children with a special health care need. An important indirect cost for these families involves decisions about employment. Stabile and Allin examine several studies that, taken together, show that having a child with disabilities increases the likelihood that the mother (and less often the father) will either curtail hours of work or stop working altogether. Researchers also find that having a child with disabilities can affect a mother’s own health and put substantial strains on the parents’ relationship. In the longer term, disabilities also compromise a child’s schooling and capacity to get and keep gainful employment as an adult.
Real Life Testimony: (no more data, this is becoming a reality Blog now.......
June 6, 2013 lifestyle whats that??? lol...ours went away about 5 yrs ago lol..now its just the basics .
June 6, 2013 It's also the long term can/if my child can live on their own, if not who will be there when I'm gone? The fear that without us as parents nobody will care for them in a respectful way. It's not just financial it's all encompassing, who will make sure they have the correct med? Who will remind them to eat healthy, who will carry the burden when we are gone?
June 6, 2013 Oh and by the way, I don't want to hear any complaint from people who have to pay a hefty college tuition. We pay college tuition rates year, after year, after year....
June 6, 2013 As you are well aware, it puts an enormous financial burden on the families. We had a $2000 prescription rider on the family for any one person. XXXXX blew through that in a month and a half, and then it was all out of pocket for us. And when you pay 20% of hospital bills when they are so high, we are talking thousands upon thousands of dollars. Of course this puts an extreme strain on the couple. We were lucky enough to make it though still loving each other...but we had some really rough years there ourselves. And XXXXX only lived to be 4 years old.
June 6, 2013 I agree, you deplete everything you have to do the best you can for you child and you envision yourself as an elderly couple at 95 (if heaven help us we live that long) years old and working because you don't have a retirement.
June 6, 2013 I think our costs have about evened out with medicaid helping. Although we do have to travel MUCH more for our day care. Overall cost with our 4 year old to date would certainly be in the 7 figures, if we didn't have insurance or were under-insured and then Medicaid we'd be hundreds of thousands in debt by now. We miss a lot of work which causes some instability. Once in a while I feel like my whole life is a house of cards and the next puff of wind is going to send it crashing down. We manage but it feels like we're surviving not thriving quite often. Our 4 year old boy is 100% disabled, immobile, g-tube, zero developmental benchmarks, has regular seizures and prognosis is terminal. BUT... He is so sweet and beautiful, never complains, smiles, he's an angel.
June 6, 2013 in my case, my childs father passed away when she was one month of being 5 yo, I paniced big time, she draws social security survivorship from her dads death now, I have since remarried to a wonderful man whom thinks of her as his own, his world literalJune ly revolves around my child. because of my new husband, I don't have to work thank you lord for that, although I do work as an office manager once a month for extra money and to get the office file system and scheduling organized. I spend (this week) 3 days driving 2 hours one way to the childrens hospital, an average of 2-3 times a month same distance to appointments. Which the gas prices these days is killing my wallet there, the county is helping with gas vouchers, nothing from the state uughhhh If it wasn't for my husband now I don't know what we would do, no family support at all, and we live check to check as well, not eligible for food stamps or anything, therefore hubby and I go without just so kids get what they need...
June 6, 2013 exactly, the way SSI works is you cant ever be comfortable or they assume you dont need the assistance. but look at how expensive EVERYTHING is for these kids. we live check to check, are always behind with bills, live without alot of things, its just hard, theres never any comfort at all, because you just never know. and it takes FOREVER to get things covered by insurance most of the time. it shouldnt be this difficult to be us and live the lives we live. theres too much red tape and too much bureaucracy to deal with.
June 6, 2013...My first financial wake-up call was when I was looking for 10 hours a week ABA for my 3 year old son. Insurance covered nothing and I was quoted $800-$1000 a week for 10 hours of in-home ABA. AND there was a 6 month waiting list. I don't know anyone who has that kind of $ around.
June 6, 2013 My husband and I have just spent hundreds of thousands of dollars creating our own group home for our son and two other young adults with Autism. We started when he was 19, finished when he was 21. Between this son and our other two kids post high school educations we can't catch our breathe financially.
June 7, 2013 ...Indirectly financial... We decided not to have a third child because we don't know to what extent Dom will need our resources both financial and time. We want to make sure to give him as much as we can!
June 7, 2013...divorce.I work part time time to help cover some costs of living but can only work part time because of the time needed to dedicate to appointments and follow up (education/medical) for my son (with pmg) - not counting what my other children (2 of them) require. My daughters lives have been affected by their brother, on a day to day basis and my son's father is in denial.
June 7, 2013 It has crushed us financially. It has been the downfall of my marriage.
June 7, 2013 I was talking to a mom the other day and she said that anything that really is effective isn't reimbursable. Im a music therapist and I fight with insurance all the time. When it comes to reimbursement, CT is behind the ball! As moms we just have to continue to fight for our kids no matter what. I hear you though, it strains the family, the marriage, and the pockets.June 7, 2013 My marriage is stronger having a special needs child~we realize it takes both of us to raise him!!!! Financially~wow where to begin~we decided that it was best if one of us stayed home~so there is so much we struggle with but very fortunate that I have a very good job with great benefits. Not sure we will ever be out of debt but we are happy! PM me if you would like more info.
June 7, 2013 We can barely afford to pay our mortgage and will probably lose our home. This has destroyed us financially and emotionally. Without support from church, friends, and family we would probably be on the street somewhere.
June 7, 2013 before xxxx was born, I homeschooled all our others. That left a lot of money free. When she was about 14 months, I started having panic attacks about juggling it all. So we made the extremely difficult decision to put them in school. The high schools in our area are not good, so we put the two oldest in a wonderful private Christian school. It has been amazing for them, but the cost is staggering for us. And because of all the incidental costs of raising Sami, that don't appear on paper, we make too much for financial aid.
Emotionally, last year I had 4 children in 3 different schools, all with their activities and volunteer needs, most of which I can't do. So I completely understand that mommy guilt.
My son is almost 16, already has his own car, which needs work that we can't afford. My daughter babysits a lot, and has to borrow a phone because hers broke and we can't afford a new one. That same daughter is turning her few pairs of jeans into shorts because she really needs new clothes, that I can't afford. The kids want to do activities, like piano, voice, dance, sports, that I dole out like gold because it all costs money.
xxxx and I don't go on dates much, or getaways at all. We look for free things to do as families.
I recognize that we are so blessed compared to others. We have enough to meet our needs. There is much less than there used to be and there is much more stress. Money stresses me out. Spending quality time with everyone is stressful too.Emotionally, last year I had 4 children in 3 different schools, all with their activities and volunteer needs, most of which I can't do. So I completely understand that mommy guilt. My son is almost 16, already has his own car, which needs work that we can't afford. My daughter babysits a lot, and has to borrow a phone because hers broke and we can't afford a new one. That same daughter is turning her few pairs of jeans into shorts because she really needs new clothes, that I can't afford. The kids want to do activities, like piano, voice, dance, sports, that I dole out like gold because it all costs money. Luke and I don't go on dates much, or getaways at all. We look for free things to do as families. I recognize that we are so blessed compared to others. We have enough to meet our needs. There is much less than there used to be and there is much more stress. Money stresses me out. Spending quality time with everyone is stressful too.June 7, 2013 Finances- we just accept the fact that we will die with no money and that's okay. We are 54 and 47 with 8 children. We spent our equity from our home to adopt our 4 children and we have very little if any money. This was a choice and we feel that although money is important its not the end all. Giving children a family is more important. (our SNs kiddos would have never survived if left in the orphanages) Money-its over rated. I think folks would be shocked if they knew how little we have. Given our ages and the amount of children I think folks think we have money. LOL
June 7, 2013 My biggest challenge is being able to make life for my other children as normal as possible.Of course it is not like others, as we, as parents usually have to divide and conquer. Its hard for us to both be there for our other childrens events at the same time. This is the one thing that I find difficult. On the flip side...my other children are growing up with a compassion that most other kiddos don't have. That's the challenge we face daily. (aside from the stress of watching my son struggle with issues like breathing) I currently have 6 younger children living at home as well as one adult child still in the home and "time" to date each one individually has become a tougher thing. (usually my adult son gets jipped) As far as hubby and I, we are grateful that we both put our kiddos first.I do miss our time alone but its very bearable when we are "together" raising these kiddos. I think having SN child/children teaches our other children that "its not always about them" since we live in a very self centered world. Not sure if this is what you arelooking for but this is what I thought I could share. PS I am VERY tired often from lack of sleep. Ice tea is my best friend since I'm not a coffee drinker! LOL
June 7, 2013 My daughter passed away at the age of 5. We were financially devastated and bear the pain that we could never get what she needed in order to have a better life. She would probably still be with us.
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