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How to Finance Home Repairs.

Paying out of pocket for repairs and renovations is one of the more unfortunate aspects of home ownership. Large, costly renovations may occasionally be necessary in order to get your home ready for sale, while emergency repairs pose the risk of draining your bank account with little warning. If you own a home or are thinking of buying one, it is immensely helpful to learn how to finance home repairs before they arise. The guide below covers a few of your options for paying for home repairs.

Steps.

1. Refinance your mortgage to obtain cash for home repairs. A popular way to pay for home repairs and renovations is through a "cash-out refi," which is simply a way of swapping your existing mortgage for a new one and converting some of your home equity to cash in the process. Your current mortgage lender can help you understand your options for refinancing. Note that liquidating your equity in this way will generally cause your monthly payments or mortgage term to increase.

2. Obtain a home equity line of credit. A home equity line of credit functions like a credit card, with an open-ended term, a credit limit, and a minimum monthly payment based on your outstanding balance. This type credit makes sense for financing home repairs or remodeling projects because these projects tend to increase your home equity anyway.

3. Seek out a second mortgage. A second mortgage can be an unattractive option as it can tend to overburden you with debt, but for home repairs with an end in sight they are helpful. A second mortgage is a loan secured on your accumulated equity. The interest rate will be higher because your primary mortgage lender is given preference over your new lender in case of insolvency; for this reason, try to keep the size of your second mortgage as small as possible.

4. Determine if you qualify for a government loan. In the United States, the Federal Housing Administration runs a loan program called Title 1 for homeowners with very little equity. These loans are made by banks and backed by the federal government, and can be used to finance essential repairs such as structural and electrical problems.

5. Use a credit card for small, emergency repairs. While credit cards typically carry higher interest rates than loans secured on your home equity, they make sense for funding small home repairs. A credit card is available for use immediately and requires no paperwork, unlike other financing options.

6. Borrow from your 401(k). Many employers allow borrowing from your 401(k) to fund home repairs and renovations. This option is low-hassle because the money is already yours, so there is no paperwork or credit check. However, you are required to pay the borrowed money back into your 401(k) before leaving the company.

Tips.

If performing home repairs yourself, it is best not to skimp on materials. Durable, high-quality materials may cost more upfront, but will generally last much longer and prevent you from having to repair or replace materials later.

Warnings.

Avoid entering into financing arrangements directly with the contractor performing the work. These types of deals often carry high interest rates and hidden fees.


December 03, 2019



How to Finance Home Repairs.

Paying out of pocket for repairs and renovations is one of the more unfortunate aspects of home ownership. Large, costly renovations may occasionally be necessary in order to get your home ready for sale, while emergency repairs pose the risk of draining your bank account with little warning. If you own a home or are thinking of buying one, it is immensely helpful to learn how to finance home repairs before they arise. The guide below covers a few of your options for paying for home repairs.

Steps.

1. Refinance your mortgage to obtain cash for home repairs. A popular way to pay for home repairs and renovations is through a "cash-out refi," which is simply a way of swapping your existing mortgage for a new one and converting some of your home equity to cash in the process. Your current mortgage lender can help you understand your options for refinancing. Note that liquidating your equity in this way will generally cause your monthly payments or mortgage term to increase.

2. Obtain a home equity line of credit. A home equity line of credit functions like a credit card, with an open-ended term, a credit limit, and a minimum monthly payment based on your outstanding balance. This type credit makes sense for financing home repairs or remodeling projects because these projects tend to increase your home equity anyway.

3. Seek out a second mortgage. A second mortgage can be an unattractive option as it can tend to overburden you with debt, but for home repairs with an end in sight they are helpful. A second mortgage is a loan secured on your accumulated equity. The interest rate will be higher because your primary mortgage lender is given preference over your new lender in case of insolvency; for this reason, try to keep the size of your second mortgage as small as possible.

4. Determine if you qualify for a government loan. In the United States, the Federal Housing Administration runs a loan program called Title 1 for homeowners with very little equity. These loans are made by banks and backed by the federal government, and can be used to finance essential repairs such as structural and electrical problems.

5. Use a credit card for small, emergency repairs. While credit cards typically carry higher interest rates than loans secured on your home equity, they make sense for funding small home repairs. A credit card is available for use immediately and requires no paperwork, unlike other financing options.

6. Borrow from your 401(k). Many employers allow borrowing from your 401(k) to fund home repairs and renovations. This option is low-hassle because the money is already yours, so there is no paperwork or credit check. However, you are required to pay the borrowed money back into your 401(k) before leaving the company.

Tips.

If performing home repairs yourself, it is best not to skimp on materials. Durable, high-quality materials may cost more upfront, but will generally last much longer and prevent you from having to repair or replace materials later.

Warnings.

Avoid entering into financing arrangements directly with the contractor performing the work. These types of deals often carry high interest rates and hidden fees.


December 03, 2019


How to Finance Nursing Home Care.

As more and more Americans require nursing home care, their families are struggling to find ways to pay for, or at least reduce, the immense cost of care. In 2012, the average cost of a private room was over $90,000 a year and a semi-private room cost $81,000 a year. For most people, paying for a loved one’s nursing home care presents an almost insurmountable financial obstacle. However, there are ways to finance and reduce the cost of a nursing home so that a loved one can get the type of long-term care that they require.

Method 1 Reducing Costs and Using Personal Assets.

1. Consider in-home care. Long-term nursing home care costs between $6,000 and 9,000 a month and many people cannot afford this option. To save money, you may want to consider in-home care, which costs approximately $21 an hour for a care assistant. This option is not only less expensive but it allows your elderly or disabled family member to reside in his or her home for as long as possible.

2. Negotiate long-term care costs. If you are paying out-of-pocket for long-term nursing care, you should negotiate the overall cost with the nursing home. While some nursing homes may refuse to negotiate, others would prefer to take a lower private care rate because it still pays more than state-sponsored Medicaid programs.

3. Relocate your loved one. The cost of nursing home care varies greatly from state to state and even from locality to locality. If your loved one has family members who live in different states, you should determine which state has the lowest cost for nursing home care. Nursing home care in Texas, Utah and Alabama can cost less than half of nursing home care in states in the Northeast.

4. Qualify for a Reverse Mortgage. A reverse mortgage is a loan that a homeowner gets from a bank against the value of their home. The loan converts the home's equity into cash and the homeowner receives either a cash sum, regular payments, or a line of credit equal to the equity in the home. After the owner's death, the bank may foreclose on the home (get ownership without further liability to the home owner) or members of the estate may sell the home and pay off the loan.

In order to qualify for a reverse mortgage, each homeowner must be at least 62 years old and live in the home where the reverse mortgage was taken.

A reverse mortgage may be a good solution if you are in good health. You can use the proceeds from the reverse mortgage to pay for long-term care insurance or to make your home more accessible so that you can remain in the house as long as possible.

If you are in need of care but do not require nursing home care yet, you can use a reverse mortgage to pay for in-home caregiver services. This provides seniors with the ability to stay in their home for a fraction of the cost of a nursing home.

If you are a married couple and one of you need nursing home care, a reverse mortgage can pay for nursing home care and allow the healthy spouse to remain in the family home. If the spouse needing care dies, the surviving spouse can stay in the home so long as they can continue to pay for property taxes and insurance.

Method 2 Qualifying for Medicaid.

1. Determine whether you qualify for Medicaid. Medicaid is a state and federal government program that assists low-income individuals with a variety of medical care, including nursing home care. You can only qualify for Medicaid if you fall below the monthly income and asset limits set by your state.

You can determine whether you meet the eligibility requirements for your state at: https://www.healthcare.gov/medicaid-chip/getting-medicaid-chip/

If you qualify for Medicaid, you can apply online at https://www.healthcare.gov/medicaid-chip/getting-medicaid-chip/ or check the website for the address of your state Medicaid office and apply in person.

2. Qualify for Medicaid. If your assets are currently too high to qualify for Medicaid and you want to protect your personal assets from nursing home expenses, you can consider legally reducing your assets in order to qualify for Medicaid.

Before attempting to reduce or transfer your assets, you should speak with an elder law attorney. Medicaid has very strict rules about what assets can be transferred and what purchases are allowable to reduce your income. If you improperly reduce your assets, Medicaid can penalize you for months to years and prohibit your qualification for the program.

The National Association of Elder Law Attorneys has information about elder law specialists on its website at: https://www.naela.org. The American Bar Association also provides attorney referral information at: http://apps.americanbar.org/legalservices/findlegalhelp/home.cfm.

3. Reduce your assets. In order to qualify for Medicaid, you can reduce your assets by.

Paying off debt, such as a mortgage, student loans or credit cards.

Paying for in-home medical care, Paying for necessary home repairs, such as a new roof or furnace.

Transfer funds to your spouse for his or her benefit, Transfer funds or set up a trust for your blind or disabled child or for a disabled person under the age of 65.

4. Set up a Medicaid Asset Trust. With a Medicaid Asset Trust, you transfer all of your assets into a trust and give up control over those assets. Any funds placed in the trust do not count towards the Medicaid asset limits. However, if you transfer funds into the trust within 5 years of applying for Medicaid, you may be subject to Medicaid’s “lookback provision.” Under this provision, Medicaid may penalize any person that it determines conducted a non-exempt transfer under the Medicaid regulations. If you are penalized, you may not be able to qualify for Medicaid for months or even years.

Method 3 Using Insurance Options.

1. Purchase long-term health insurance. Unlike regular health insurance, long-term health insurance is designed to pay for long-term care, which may include nursing home care, in-home care or medical equipment. When evaluating long-term health insurance polices, you should carefully select a policy that covers nursing home care if you reasonably believe that you will not have someone to care for you at home should you fall ill and become unable to care for yourself.

It is best to acquire long-term health insurance when you are younger and in good health. As you get older, long-term health insurance becomes much more expensive and many seniors are either unable to afford or qualify for a policy.

2. Cash in your life insurance. Another way to pay for nursing home care is to cash in your whole life insurance policy. Certain policies allow policyholders to cash in their insurance policy for 50 to 75 percent of the face value of the policy.

Keep in mind that this is only an option for whole life policies, not term life policies where there is no cash value.

Depending on your individual life insurance policy, there are two ways that you can cash in your policy: accelerated benefit or life settlement.

If you qualify for an accelerated benefit, the insurance company will pay between 60 and 80 percent of the face value of the policy. Under certain policies, you may have to be suffering from a terminal illness in order to qualify for an accelerated benefit.

A life settlement is a policy payout that you negotiate with an outside company not the insurance company that issued the policy. These settlement companies look at the value of your policy, your age, and your health and pay you between 40 and 75 percent of the face value of the policy. Depending on the health and age of an individual, it may be possible to sell some term policies.

Before negotiating a life settlement, you should speak with an elder law attorney as there may be tax and Medicaid implications from receiving the proceeds of the policy through a settlement company.

3. Check Medicare benefits. While Medicare does not pay the cost of long-term nursing home care, you may qualify for a certain portion of the stay if you were transferred to a nursing home within several days of a hospital stay and you require skilled nursing or rehabilitative care. If you go to a Medicare-approved facility, your stay may be covered for up to 100 days.

Medicare will also pay for in-home care for a certain period as well. This coverage may help if you are trying to reduce assets or do not physically require full nursing-home care.

Tips.

Do not try to transfer or reduce assets before speaking with an experienced elder law attorney.

Be wary of advisers who are not attorneys. Throughout the country, there are people and companies who exploit the elderly and their caregivers by inducements of Medicaid qualification.


December 15, 2019


How to Finance Nursing Home Care.

As more and more Americans require nursing home care, their families are struggling to find ways to pay for, or at least reduce, the immense cost of care. In 2012, the average cost of a private room was over $90,000 a year and a semi-private room cost $81,000 a year. For most people, paying for a loved one’s nursing home care presents an almost insurmountable financial obstacle. However, there are ways to finance and reduce the cost of a nursing home so that a loved one can get the type of long-term care that they require.

Method 1 Reducing Costs and Using Personal Assets.

1. Consider in-home care. Long-term nursing home care costs between $6,000 and 9,000 a month and many people cannot afford this option. To save money, you may want to consider in-home care, which costs approximately $21 an hour for a care assistant. This option is not only less expensive but it allows your elderly or disabled family member to reside in his or her home for as long as possible.

2. Negotiate long-term care costs. If you are paying out-of-pocket for long-term nursing care, you should negotiate the overall cost with the nursing home. While some nursing homes may refuse to negotiate, others would prefer to take a lower private care rate because it still pays more than state-sponsored Medicaid programs.

3. Relocate your loved one. The cost of nursing home care varies greatly from state to state and even from locality to locality. If your loved one has family members who live in different states, you should determine which state has the lowest cost for nursing home care. Nursing home care in Texas, Utah and Alabama can cost less than half of nursing home care in states in the Northeast.

4. Qualify for a Reverse Mortgage. A reverse mortgage is a loan that a homeowner gets from a bank against the value of their home. The loan converts the home's equity into cash and the homeowner receives either a cash sum, regular payments, or a line of credit equal to the equity in the home. After the owner's death, the bank may foreclose on the home (get ownership without further liability to the home owner) or members of the estate may sell the home and pay off the loan.

In order to qualify for a reverse mortgage, each homeowner must be at least 62 years old and live in the home where the reverse mortgage was taken.

A reverse mortgage may be a good solution if you are in good health. You can use the proceeds from the reverse mortgage to pay for long-term care insurance or to make your home more accessible so that you can remain in the house as long as possible.

If you are in need of care but do not require nursing home care yet, you can use a reverse mortgage to pay for in-home caregiver services. This provides seniors with the ability to stay in their home for a fraction of the cost of a nursing home.

If you are a married couple and one of you need nursing home care, a reverse mortgage can pay for nursing home care and allow the healthy spouse to remain in the family home. If the spouse needing care dies, the surviving spouse can stay in the home so long as they can continue to pay for property taxes and insurance.

Method 2 Qualifying for Medicaid.

1. Determine whether you qualify for Medicaid. Medicaid is a state and federal government program that assists low-income individuals with a variety of medical care, including nursing home care. You can only qualify for Medicaid if you fall below the monthly income and asset limits set by your state.

You can determine whether you meet the eligibility requirements for your state at: https://www.healthcare.gov/medicaid-chip/getting-medicaid-chip/

If you qualify for Medicaid, you can apply online at https://www.healthcare.gov/medicaid-chip/getting-medicaid-chip/ or check the website for the address of your state Medicaid office and apply in person.

2. Qualify for Medicaid. If your assets are currently too high to qualify for Medicaid and you want to protect your personal assets from nursing home expenses, you can consider legally reducing your assets in order to qualify for Medicaid.

Before attempting to reduce or transfer your assets, you should speak with an elder law attorney. Medicaid has very strict rules about what assets can be transferred and what purchases are allowable to reduce your income. If you improperly reduce your assets, Medicaid can penalize you for months to years and prohibit your qualification for the program.

The National Association of Elder Law Attorneys has information about elder law specialists on its website at: https://www.naela.org. The American Bar Association also provides attorney referral information at: http://apps.americanbar.org/legalservices/findlegalhelp/home.cfm.

3. Reduce your assets. In order to qualify for Medicaid, you can reduce your assets by.

Paying off debt, such as a mortgage, student loans or credit cards.

Paying for in-home medical care, Paying for necessary home repairs, such as a new roof or furnace.

Transfer funds to your spouse for his or her benefit, Transfer funds or set up a trust for your blind or disabled child or for a disabled person under the age of 65.

4. Set up a Medicaid Asset Trust. With a Medicaid Asset Trust, you transfer all of your assets into a trust and give up control over those assets. Any funds placed in the trust do not count towards the Medicaid asset limits. However, if you transfer funds into the trust within 5 years of applying for Medicaid, you may be subject to Medicaid’s “lookback provision.” Under this provision, Medicaid may penalize any person that it determines conducted a non-exempt transfer under the Medicaid regulations. If you are penalized, you may not be able to qualify for Medicaid for months or even years.

Method 3 Using Insurance Options.

1. Purchase long-term health insurance. Unlike regular health insurance, long-term health insurance is designed to pay for long-term care, which may include nursing home care, in-home care or medical equipment. When evaluating long-term health insurance polices, you should carefully select a policy that covers nursing home care if you reasonably believe that you will not have someone to care for you at home should you fall ill and become unable to care for yourself.

It is best to acquire long-term health insurance when you are younger and in good health. As you get older, long-term health insurance becomes much more expensive and many seniors are either unable to afford or qualify for a policy.

2. Cash in your life insurance. Another way to pay for nursing home care is to cash in your whole life insurance policy. Certain policies allow policyholders to cash in their insurance policy for 50 to 75 percent of the face value of the policy.

Keep in mind that this is only an option for whole life policies, not term life policies where there is no cash value.

Depending on your individual life insurance policy, there are two ways that you can cash in your policy: accelerated benefit or life settlement.

If you qualify for an accelerated benefit, the insurance company will pay between 60 and 80 percent of the face value of the policy. Under certain policies, you may have to be suffering from a terminal illness in order to qualify for an accelerated benefit.

A life settlement is a policy payout that you negotiate with an outside company not the insurance company that issued the policy. These settlement companies look at the value of your policy, your age, and your health and pay you between 40 and 75 percent of the face value of the policy. Depending on the health and age of an individual, it may be possible to sell some term policies.

Before negotiating a life settlement, you should speak with an elder law attorney as there may be tax and Medicaid implications from receiving the proceeds of the policy through a settlement company.

3. Check Medicare benefits. While Medicare does not pay the cost of long-term nursing home care, you may qualify for a certain portion of the stay if you were transferred to a nursing home within several days of a hospital stay and you require skilled nursing or rehabilitative care. If you go to a Medicare-approved facility, your stay may be covered for up to 100 days.

Medicare will also pay for in-home care for a certain period as well. This coverage may help if you are trying to reduce assets or do not physically require full nursing-home care.

Tips.

Do not try to transfer or reduce assets before speaking with an experienced elder law attorney.

Be wary of advisers who are not attorneys. Throughout the country, there are people and companies who exploit the elderly and their caregivers by inducements of Medicaid qualification.


December 15, 2019


How to Finance Nursing Home Care.

As more and more Americans require nursing home care, their families are struggling to find ways to pay for, or at least reduce, the immense cost of care. In 2012, the average cost of a private room was over $90,000 a year and a semi-private room cost $81,000 a year. For most people, paying for a loved one’s nursing home care presents an almost insurmountable financial obstacle. However, there are ways to finance and reduce the cost of a nursing home so that a loved one can get the type of long-term care that they require.

Method 1 Reducing Costs and Using Personal Assets.

1. Consider in-home care. Long-term nursing home care costs between $6,000 and 9,000 a month and many people cannot afford this option. To save money, you may want to consider in-home care, which costs approximately $21 an hour for a care assistant. This option is not only less expensive but it allows your elderly or disabled family member to reside in his or her home for as long as possible.

2. Negotiate long-term care costs. If you are paying out-of-pocket for long-term nursing care, you should negotiate the overall cost with the nursing home. While some nursing homes may refuse to negotiate, others would prefer to take a lower private care rate because it still pays more than state-sponsored Medicaid programs.

3. Relocate your loved one. The cost of nursing home care varies greatly from state to state and even from locality to locality. If your loved one has family members who live in different states, you should determine which state has the lowest cost for nursing home care. Nursing home care in Texas, Utah and Alabama can cost less than half of nursing home care in states in the Northeast.

4. Qualify for a Reverse Mortgage. A reverse mortgage is a loan that a homeowner gets from a bank against the value of their home. The loan converts the home's equity into cash and the homeowner receives either a cash sum, regular payments, or a line of credit equal to the equity in the home. After the owner's death, the bank may foreclose on the home (get ownership without further liability to the home owner) or members of the estate may sell the home and pay off the loan.

In order to qualify for a reverse mortgage, each homeowner must be at least 62 years old and live in the home where the reverse mortgage was taken.

A reverse mortgage may be a good solution if you are in good health. You can use the proceeds from the reverse mortgage to pay for long-term care insurance or to make your home more accessible so that you can remain in the house as long as possible.

If you are in need of care but do not require nursing home care yet, you can use a reverse mortgage to pay for in-home caregiver services. This provides seniors with the ability to stay in their home for a fraction of the cost of a nursing home.

If you are a married couple and one of you need nursing home care, a reverse mortgage can pay for nursing home care and allow the healthy spouse to remain in the family home. If the spouse needing care dies, the surviving spouse can stay in the home so long as they can continue to pay for property taxes and insurance.

Method 2 Qualifying for Medicaid.

1. Determine whether you qualify for Medicaid. Medicaid is a state and federal government program that assists low-income individuals with a variety of medical care, including nursing home care. You can only qualify for Medicaid if you fall below the monthly income and asset limits set by your state.

You can determine whether you meet the eligibility requirements for your state at: https://www.healthcare.gov/medicaid-chip/getting-medicaid-chip/

If you qualify for Medicaid, you can apply online at https://www.healthcare.gov/medicaid-chip/getting-medicaid-chip/ or check the website for the address of your state Medicaid office and apply in person.

2. Qualify for Medicaid. If your assets are currently too high to qualify for Medicaid and you want to protect your personal assets from nursing home expenses, you can consider legally reducing your assets in order to qualify for Medicaid.

Before attempting to reduce or transfer your assets, you should speak with an elder law attorney. Medicaid has very strict rules about what assets can be transferred and what purchases are allowable to reduce your income. If you improperly reduce your assets, Medicaid can penalize you for months to years and prohibit your qualification for the program.

The National Association of Elder Law Attorneys has information about elder law specialists on its website at: https://www.naela.org. The American Bar Association also provides attorney referral information at: http://apps.americanbar.org/legalservices/findlegalhelp/home.cfm.

3. Reduce your assets. In order to qualify for Medicaid, you can reduce your assets by:

Paying off debt, such as a mortgage, student loans or credit cards.

Paying for in-home medical care.

Paying for necessary home repairs, such as a new roof or furnace.

Transfer funds to your spouse for his or her benefit.

Transfer funds or set up a trust for your blind or disabled child or for a disabled person under the age of 65.

4. Set up a Medicaid Asset Trust. With a Medicaid Asset Trust, you transfer all of your assets into a trust and give up control over those assets. Any funds placed in the trust do not count towards the Medicaid asset limits. However, if you transfer funds into the trust within 5 years of applying for Medicaid, you may be subject to Medicaid’s “lookback provision.” Under this provision, Medicaid may penalize any person that it determines conducted a non-exempt transfer under the Medicaid regulations. If you are penalized, you may not be able to qualify for Medicaid for months or even years.

Method 3 Using Insurance Options.

1. Purchase long-term health insurance. Unlike regular health insurance, long-term health insurance is designed to pay for long-term care, which may include nursing home care, in-home care or medical equipment. When evaluating long-term health insurance polices, you should carefully select a policy that covers nursing home care if you reasonably believe that you will not have someone to care for you at home should you fall ill and become unable to care for yourself.

It is best to acquire long-term health insurance when you are younger and in good health. As you get older, long-term health insurance becomes much more expensive and many seniors are either unable to afford or qualify for a policy.

2. Cash in your life insurance. Another way to pay for nursing home care is to cash in your whole life insurance policy. Certain policies allow policyholders to cash in their insurance policy for 50 to 75 percent of the face value of the policy.

Keep in mind that this is only an option for whole life policies, not term life policies where there is no cash value.

Depending on your individual life insurance policy, there are two ways that you can cash in your policy: accelerated benefit or life settlement.

If you qualify for an accelerated benefit, the insurance company will pay between 60 and 80 percent of the face value of the policy. Under certain policies, you may have to be suffering from a terminal illness in order to qualify for an accelerated benefit.

A life settlement is a policy payout that you negotiate with an outside company not the insurance company that issued the policy. These settlement companies look at the value of your policy, your age, and your health and pay you between 40 and 75 percent of the face value of the policy. Depending on the health and age of an individual, it may be possible to sell some term policies.

Before negotiating a life settlement, you should speak with an elder law attorney as there may be tax and Medicaid implications from receiving the proceeds of the policy through a settlement company.

3. Check Medicare benefits. While Medicare does not pay the cost of long-term nursing home care, you may qualify for a certain portion of the stay if you were transferred to a nursing home within several days of a hospital stay and you require skilled nursing or rehabilitative care. If you go to a Medicare-approved facility, your stay may be covered for up to 100 days.

Medicare will also pay for in-home care for a certain period as well. This coverage may help if you are trying to reduce assets or do not physically require full nursing-home care.

Question : Should I keep $200,000 available to get into a nicer nursing home before qualifying for Medicaid?
Answer : If you have that kind of money and that is something you are interested in doing, then yes, you can do it.

Tips.

Do not try to transfer or reduce assets before speaking with an experienced elder law attorney.

Be wary of advisers who are not attorneys. Throughout the country, there are people and companies who exploit the elderly and their caregivers by inducements of Medicaid qualification.

This article is not providing legal advice and should not be relied on as legal advice.


January 22, 2020


How to Finance Nursing Home Care.

As more and more Americans require nursing home care, their families are struggling to find ways to pay for, or at least reduce, the immense cost of care. In 2012, the average cost of a private room was over $90,000 a year and a semi-private room cost $81,000 a year. For most people, paying for a loved one’s nursing home care presents an almost insurmountable financial obstacle. However, there are ways to finance and reduce the cost of a nursing home so that a loved one can get the type of long-term care that they require.

Method 1 Reducing Costs and Using Personal Assets.

1. Consider in-home care. Long-term nursing home care costs between $6,000 and 9,000 a month and many people cannot afford this option. To save money, you may want to consider in-home care, which costs approximately $21 an hour for a care assistant. This option is not only less expensive but it allows your elderly or disabled family member to reside in his or her home for as long as possible.

2. Negotiate long-term care costs. If you are paying out-of-pocket for long-term nursing care, you should negotiate the overall cost with the nursing home. While some nursing homes may refuse to negotiate, others would prefer to take a lower private care rate because it still pays more than state-sponsored Medicaid programs.

3. Relocate your loved one. The cost of nursing home care varies greatly from state to state and even from locality to locality. If your loved one has family members who live in different states, you should determine which state has the lowest cost for nursing home care. Nursing home care in Texas, Utah and Alabama can cost less than half of nursing home care in states in the Northeast.

4. Qualify for a Reverse Mortgage. A reverse mortgage is a loan that a homeowner gets from a bank against the value of their home. The loan converts the home's equity into cash and the homeowner receives either a cash sum, regular payments, or a line of credit equal to the equity in the home. After the owner's death, the bank may foreclose on the home (get ownership without further liability to the home owner) or members of the estate may sell the home and pay off the loan.

In order to qualify for a reverse mortgage, each homeowner must be at least 62 years old and live in the home where the reverse mortgage was taken.

A reverse mortgage may be a good solution if you are in good health. You can use the proceeds from the reverse mortgage to pay for long-term care insurance or to make your home more accessible so that you can remain in the house as long as possible.

If you are in need of care but do not require nursing home care yet, you can use a reverse mortgage to pay for in-home caregiver services. This provides seniors with the ability to stay in their home for a fraction of the cost of a nursing home.

If you are a married couple and one of you need nursing home care, a reverse mortgage can pay for nursing home care and allow the healthy spouse to remain in the family home. If the spouse needing care dies, the surviving spouse can stay in the home so long as they can continue to pay for property taxes and insurance.

Method 2 Qualifying for Medicaid.

1. Determine whether you qualify for Medicaid. Medicaid is a state and federal government program that assists low-income individuals with a variety of medical care, including nursing home care. You can only qualify for Medicaid if you fall below the monthly income and asset limits set by your state.

You can determine whether you meet the eligibility requirements for your state at: https://www.healthcare.gov/medicaid-chip/getting-medicaid-chip/

If you qualify for Medicaid, you can apply online at https://www.healthcare.gov/medicaid-chip/getting-medicaid-chip/ or check the website for the address of your state Medicaid office and apply in person.

2. Qualify for Medicaid. If your assets are currently too high to qualify for Medicaid and you want to protect your personal assets from nursing home expenses, you can consider legally reducing your assets in order to qualify for Medicaid.

Before attempting to reduce or transfer your assets, you should speak with an elder law attorney. Medicaid has very strict rules about what assets can be transferred and what purchases are allowable to reduce your income. If you improperly reduce your assets, Medicaid can penalize you for months to years and prohibit your qualification for the program.

The National Association of Elder Law Attorneys has information about elder law specialists on its website at: https://www.naela.org. The American Bar Association also provides attorney referral information at: http://apps.americanbar.org/legalservices/findlegalhelp/home.cfm.

3. Reduce your assets. In order to qualify for Medicaid, you can reduce your assets by:

Paying off debt, such as a mortgage, student loans or credit cards.

Paying for in-home medical care.

Paying for necessary home repairs, such as a new roof or furnace.

Transfer funds to your spouse for his or her benefit.

Transfer funds or set up a trust for your blind or disabled child or for a disabled person under the age of 65.

4. Set up a Medicaid Asset Trust. With a Medicaid Asset Trust, you transfer all of your assets into a trust and give up control over those assets. Any funds placed in the trust do not count towards the Medicaid asset limits. However, if you transfer funds into the trust within 5 years of applying for Medicaid, you may be subject to Medicaid’s “lookback provision.” Under this provision, Medicaid may penalize any person that it determines conducted a non-exempt transfer under the Medicaid regulations. If you are penalized, you may not be able to qualify for Medicaid for months or even years.

Method 3 Using Insurance Options.

1. Purchase long-term health insurance. Unlike regular health insurance, long-term health insurance is designed to pay for long-term care, which may include nursing home care, in-home care or medical equipment. When evaluating long-term health insurance polices, you should carefully select a policy that covers nursing home care if you reasonably believe that you will not have someone to care for you at home should you fall ill and become unable to care for yourself.

It is best to acquire long-term health insurance when you are younger and in good health. As you get older, long-term health insurance becomes much more expensive and many seniors are either unable to afford or qualify for a policy.

2. Cash in your life insurance. Another way to pay for nursing home care is to cash in your whole life insurance policy. Certain policies allow policyholders to cash in their insurance policy for 50 to 75 percent of the face value of the policy.

Keep in mind that this is only an option for whole life policies, not term life policies where there is no cash value.

Depending on your individual life insurance policy, there are two ways that you can cash in your policy: accelerated benefit or life settlement.

If you qualify for an accelerated benefit, the insurance company will pay between 60 and 80 percent of the face value of the policy. Under certain policies, you may have to be suffering from a terminal illness in order to qualify for an accelerated benefit.

A life settlement is a policy payout that you negotiate with an outside company not the insurance company that issued the policy. These settlement companies look at the value of your policy, your age, and your health and pay you between 40 and 75 percent of the face value of the policy. Depending on the health and age of an individual, it may be possible to sell some term policies.

Before negotiating a life settlement, you should speak with an elder law attorney as there may be tax and Medicaid implications from receiving the proceeds of the policy through a settlement company.

3. Check Medicare benefits. While Medicare does not pay the cost of long-term nursing home care, you may qualify for a certain portion of the stay if you were transferred to a nursing home within several days of a hospital stay and you require skilled nursing or rehabilitative care. If you go to a Medicare-approved facility, your stay may be covered for up to 100 days.

Medicare will also pay for in-home care for a certain period as well. This coverage may help if you are trying to reduce assets or do not physically require full nursing-home care.

Question : Should I keep $200,000 available to get into a nicer nursing home before qualifying for Medicaid?
Answer : If you have that kind of money and that is something you are interested in doing, then yes, you can do it.

Tips.

Do not try to transfer or reduce assets before speaking with an experienced elder law attorney.

Be wary of advisers who are not attorneys. Throughout the country, there are people and companies who exploit the elderly and their caregivers by inducements of Medicaid qualification.

This article is not providing legal advice and should not be relied on as legal advice.


January 20, 2020



How to Get Other Option financial funding 

Seek purchase order funding. If you resell goods, then you might need a loan to pay your suppliers. In particular, a large order might require that you make additional investments in your company. With purchase order funding, the finance company will pay the supplier directly.

This type of financing works only if your markup is sufficiently large. You’ll need a gross profit margin of at least 30%.

You can contact a financing company about this type of funding.





Get an advance against your invoices. “Factoring” is a funding technique where you get an advance against your invoices. If your clients are slow to pay, then factoring can provide you with the cash you need. You may immediately get around 80% of the invoice value. When your client finally pays, you get the remainder less any fee charged.

You’ll only qualify if your clients have good credit. For example, government or reputable commercial clients are best.

Perform your research before working with a factoring company. Ask if they work with businesses of your size and ask about their experience. Also check if they have a minimum that you must factor.





Ask friends or family for a loan. People who know you can also lend money to finance your business. This is probably an ideal option if you are borrowing a small amount of money.

Approach family with the seriousness that you would a bank. Explain why you need the money and how you intend to pay it back.

Consider paying your lender interest. This will also show that you are serious and not looking for extra money to spend on luxuries.

Write up a promissory note and sign it. This will bind you contractually to paying back the money.





Withdraw money from your retirement account. You can finance a start-up or an existing business by using your IRA or a prior employer’s 401(k) account. You have to roll over your current funds into a retirement plan created for the business. The plan then uses the proceeds to buy stock in the corporation.

This is a complicated procedure, and you should hire a financing firm to help you with the process. Check how much the company charges and whether they charge a monthly advisory fee.

Also think carefully before using your retirement savings to finance your business. You had earmarked this money to support you when you retire. If your business folds, then you’ll lose these savings.





Use a credit card. Depending on how much money you need, you might use a credit card.[23] Credit cards are a good option if you can get an introductory 0% rate for 12 months or more. Remember the following tips for credit cards:

Make sure to get a business credit card. You want to keep your business and personal expenses separate. If you commingle them, then it looks like your business isn’t really a separate entity, which could hurt you if your business is structured as an LLC or corporation.

Use the card wisely. It’s probably not a great idea to use the credit card for big purchases, like equipment. Instead, seek an equipment loan. Use your credit card instead for short-term financing, such as to pay travel expenses.





Raise money through crowdfunding. You can get funding for one-off ideas, such as writing a screenplay or financing the creation of a rap album. You create an account with a crowdfunding site, and people who visit the site can donate to your project.

Crowdfunding is only for small, discrete projects, not long-term financing for a continuing business.

Common crowdfunding sites include Indiegogo, RocketHub, and Peerbackers.[26] Visit these sites and read up on their terms and conditions.





Take a home equity loan. Your home may be the largest asset you own. Accordingly, banks will lend to you if you use your home as collateral. You can get an equity loan or a home equity line of credit (HELOC), which you can use to fund your business.

With a home equity loan, you get a lump sum and pay it off in equal monthly installments. By contrast, a HELOC acts like a credit card. You use what you need up to a limit and then pay it back.

Talk to a lender about the terms and conditions of taking a home equity loan or a HELOC. Compare interest rates and how much time you’ll have to pay off the loan.

Using your home as collateral shouldn’t be your first option. If your business fails, then you will lose your home.





Search for grants. You might be able to get a grant from the federal, state, or local government. Some non-profits also provide grants to businesses. Grants are often given to support emerging technologies and are typically reserved for specialized businesses. Grants are not a good option for most businesses.

However, if you think you might qualify, then check your local business development office to see what is available.

You can also use the BusinessUSA Financing Tool, which is available here: https://business.usa.gov/access-financing.



Tips.

Franchises have additional funding options. For example, the franchisor may be willing to lend you money. You should ask franchisors whether they extend funding to potential franchisees.


November 13, 2019






How to Get Other Option financial funding 



Seek purchase order funding. If you resell goods, then you might need a loan to pay your suppliers. In particular, a large order might require that you make additional investments in your company. With purchase order funding, the finance company will pay the supplier directly.

This type of financing works only if your markup is sufficiently large. You’ll need a gross profit margin of at least 30%.

You can contact a financing company about this type of funding.





Get an advance against your invoices. “Factoring” is a funding technique where you get an advance against your invoices. If your clients are slow to pay, then factoring can provide you with the cash you need. You may immediately get around 80% of the invoice value. When your client finally pays, you get the remainder less any fee charged.

You’ll only qualify if your clients have good credit. For example, government or reputable commercial clients are best.

Perform your research before working with a factoring company. Ask if they work with businesses of your size and ask about their experience. Also check if they have a minimum that you must factor.





Ask friends or family for a loan. People who know you can also lend money to finance your business. This is probably an ideal option if you are borrowing a small amount of money.

Approach family with the seriousness that you would a bank. Explain why you need the money and how you intend to pay it back.

Consider paying your lender interest. This will also show that you are serious and not looking for extra money to spend on luxuries.

Write up a promissory note and sign it. This will bind you contractually to paying back the money.





Withdraw money from your retirement account. You can finance a start-up or an existing business by using your IRA or a prior employer’s 401(k) account. You have to roll over your current funds into a retirement plan created for the business. The plan then uses the proceeds to buy stock in the corporation.

This is a complicated procedure, and you should hire a financing firm to help you with the process. Check how much the company charges and whether they charge a monthly advisory fee.

Also think carefully before using your retirement savings to finance your business. You had earmarked this money to support you when you retire. If your business folds, then you’ll lose these savings.





Use a credit card. Depending on how much money you need, you might use a credit card.[23] Credit cards are a good option if you can get an introductory 0% rate for 12 months or more. Remember the following tips for credit cards:

Make sure to get a business credit card. You want to keep your business and personal expenses separate. If you commingle them, then it looks like your business isn’t really a separate entity, which could hurt you if your business is structured as an LLC or corporation.

Use the card wisely. It’s probably not a great idea to use the credit card for big purchases, like equipment. Instead, seek an equipment loan. Use your credit card instead for short-term financing, such as to pay travel expenses.





Raise money through crowdfunding. You can get funding for one-off ideas, such as writing a screenplay or financing the creation of a rap album. You create an account with a crowdfunding site, and people who visit the site can donate to your project.

Crowdfunding is only for small, discrete projects, not long-term financing for a continuing business.

Common crowdfunding sites include Indiegogo, RocketHub, and Peerbackers.[26] Visit these sites and read up on their terms and conditions.





Take a home equity loan. Your home may be the largest asset you own. Accordingly, banks will lend to you if you use your home as collateral. You can get an equity loan or a home equity line of credit (HELOC), which you can use to fund your business.

With a home equity loan, you get a lump sum and pay it off in equal monthly installments. By contrast, a HELOC acts like a credit card. You use what you need up to a limit and then pay it back.

Talk to a lender about the terms and conditions of taking a home equity loan or a HELOC. Compare interest rates and how much time you’ll have to pay off the loan.

Using your home as collateral shouldn’t be your first option. If your business fails, then you will lose your home.





Search for grants. You might be able to get a grant from the federal, state, or local government. Some non-profits also provide grants to businesses. Grants are often given to support emerging technologies and are typically reserved for specialized businesses. Grants are not a good option for most businesses.

However, if you think you might qualify, then check your local business development office to see what is available.

You can also use the BusinessUSA Financing Tool, which is available here: https://business.usa.gov/access-financing.



Tips.

Franchises have additional funding options. For example, the franchisor may be willing to lend you money. You should ask franchisors whether they extend funding to potential franchisees.


November 11, 2019


How to Reverse Finance Charges on Credit Cards.

There are several types of finance charges that you can incur on your credit card, including late payment and interest charges. If you have been a good customer to your credit card company in the past, you might be able to convince them to reverse finance charges.

Steps.

1. Gather credit card documents that show you have consistently paid the minimum balance or more on your credit card for at least 12 consecutive months. These documents may include bank statements that show cleared payments and credit card statements. Obtain copies of your credit card statements through the company's website if you have paperless statements.

2. Call your credit card company by dialing the number listed on the back of your card. Visit the company's website to find the number if one is not on your card. Navigate the caller menu to connect with a live representative.

3. Explain to your credit card company you have been a good customer in the past and state you are willing to fax documents showing proof of your payment history if needed. Document the name of the person you are speaking to and your case number for your own records.

4. Request that the finance charges you are calling about be reversed. Most credit card companies are willing to work with customers in good standing. If your request is approved, ask to have a document mailed to your home stating that the finance charges have been reversed.

5. Ask to speak to a supervisor if the representative you are speaking with denies your request to reverse the charges. Request to the supervisor that the finance charges be reversed. Make sure that you remain polite at all times.

6. Tell the supervisor you are speaking to you will transfer your balance to another credit card and close your account if the finance charges are not reversed. Credit card companies don't want to lose their good customers to competing companies.

7. Send a letter to your credit card company. In the letter, request that the finance charges be reversed if your previous attempts failed.

State in the letter you will be closing the credit card account as soon as possible if the finance charges are not reversed. Mention the name of the person with whom you previously spoke and the case number you were given.

Include documentation with your letter that proves you have consistently made your payments in the past.

8. Review your next credit card statement. If the credit card company agreed to revers charges, make sure the reversal is recorded on your statement. If it is not, call your credit card company again and ask to speak to a manager immediately.

Tips.

Pay your credit card bill on time to avoid finance charges. Set up a reminder on your computer or cell phone if you have difficulty remembering to pay the bill.


January 14, 2020


How to Reverse Finance Charges on Credit Cards.

There are several types of finance charges that you can incur on your credit card, including late payment and interest charges. If you have been a good customer to your credit card company in the past, you might be able to convince them to reverse finance charges.

Steps.

1. Gather credit card documents that show you have consistently paid the minimum balance or more on your credit card for at least 12 consecutive months. These documents may include bank statements that show cleared payments and credit card statements. Obtain copies of your credit card statements through the company's website if you have paperless statements.

2. Call your credit card company by dialing the number listed on the back of your card. Visit the company's website to find the number if one is not on your card. Navigate the caller menu to connect with a live representative.

3. Explain to your credit card company you have been a good customer in the past and state you are willing to fax documents showing proof of your payment history if needed. Document the name of the person you are speaking to and your case number for your own records.

4. Request that the finance charges you are calling about be reversed. Most credit card companies are willing to work with customers in good standing. If your request is approved, ask to have a document mailed to your home stating that the finance charges have been reversed.

5. Ask to speak to a supervisor if the representative you are speaking with denies your request to reverse the charges. Request to the supervisor that the finance charges be reversed. Make sure that you remain polite at all times.

6. Tell the supervisor you are speaking to you will transfer your balance to another credit card and close your account if the finance charges are not reversed. Credit card companies don't want to lose their good customers to competing companies.

7. Send a letter to your credit card company. In the letter, request that the finance charges be reversed if your previous attempts failed.

State in the letter you will be closing the credit card account as soon as possible if the finance charges are not reversed. Mention the name of the person with whom you previously spoke and the case number you were given.

Include documentation with your letter that proves you have consistently made your payments in the past.

8. Review your next credit card statement. If the credit card company agreed to revers charges, make sure the reversal is recorded on your statement. If it is not, call your credit card company again and ask to speak to a manager immediately.

Tips.

Pay your credit card bill on time to avoid finance charges. Set up a reminder on your computer or cell phone if you have difficulty remembering to pay the bill.


January 15, 2020

FAQ College acceptance for students with dyslex

THE BEST AND WORST COLLEGES FOR DYSLEXIA – Dyslexic Advantage

There is no single ‘best’ college for dyslexia, but rather colleges that may make better (or worse) fits for an individual student. Do you have personal experience with a college as a dyslexic student? If so, please take this brief survey and we’ll share the results here. You can also send your reviews of colleges by email. All sources will be confidential on this site. Graduates were in the past 5 years unless otherwise specified.

We are compiling resources from people we have spoken to, web, and text-based resources that included interviews of dyslexic students who attended college. Books we recommend include Dyslexia at College, The Human Side of Dyslexia, and Colleges That Change Lives. Also the list of colleges that don’t require an SAT or ACT can be found at Fair Test.

College-Bound Students: Once you are enrolled in college, don’t forget to apply here for the Dyslexic Advantage Karina Eide Memorial Scholarship! Only dyslexic students are eligible and there is no minimum GPA! Here is the start of a very partial list. We will be adding more specific information as it comes in. These are statements about individuals from students. They do not reflect any statements by Dyslexic Advantage, the organization. Are you a current college student or graduated in the past 5 years?  If you’ve filled out this college survey, we’ll gif you with a 1 year subscription to our Premium magazine!

ALABAMA
Auburn University – Center for Special Services “I owe a lot to the Center for Special Services…my professors were supportive.” Books on tape, reader, Dragon dictation, note taker, extended time.

ARIZONA
University of Arizona – SALT CENTER – Strategic Alternative Learning Techniques Center

ARKANSAS
University of the Ozarks – Jones Learning Center “My coordinator and tutor were my lifeline..” Taped textbooks, help in math, reading, writing, copies of lecture notes, private test taking. Dictated papers to tutor. Helped with flashcards

AUSTRALIA
MacQuire University Accessibility    (Math and Human Resources) BEST: free learning support, good test-taking accommodations, “for exams and tests 1hr plus long you can get good provisions.” WORST: teachers resist providing accommodations, “it most depends who you get as your learning support staff, that makes its easier or hard to get approval. also, anything under 30mins good luck getting help. and some subject stuff dont understand what Dyslexic is even is. meaning less like to help you.”

Swinburne University of Technology AccessAbility Services  (Bachelor of Computer Science majoring in Cybersecurity) Victoria. BEST : Free Learning Support Services, Faculty Accessible and Supportive, small classes, peer mentors, helpful disability resource, good test taking accommodations. WORST: Audio resources are late or difficult to acquire. TIPS: No matter what the work is, do it as soon as you get it. Never leave it till the last second and always ask for help when you get stuck. Peers will help you heaps if you need it! You can help them too!

Tafe Ultimo Disability and Accessibility  (Community Services) BEST: free learning support, good system for asking for accommodations, good accessibility – audio available in a timely fashion, good test taking accommodations, dyslexia-friendly, helpful office, peer mentors, small classes, faculty are accessible and supportive. The TAFE have a tremendous amount of support and reasonable adjustment possibilities because my dyslexia is now legally classified by the NSW State Government as a neurological disability. I didn’t know this support was available until I enquired with the Tafe career counsellor who is a psychologist. She helped me tremendously and referred me through their process and my fees are waivered. They have offered so much support right down to getting me an ergonomic chair if I need it. And their kind, reassuring attitude and acknowledgement of my dyslexia challenges has been amazing. TIPS: Make an appointment with the career counsellor to discuss what courses and support are suitable for your dyslexia.

CALIFORNIA
Butte College – Disabled Student Programs   BEST: Free learning support services. Many trade school options that do not require English 101 or algebra. WORST: Difficult process for asking for accommodations, teachers resist providing accommodations, audio resources are late or difficult to acquire, no visible dyslexia programs on campus. TIPS: Don’t go. Keep looking. It’s not worth the aggravation to fight for accommodations and understanding

Chico State University – Accessibility Resource Center  (Mathematics) BEST: Good system to ask for accommodations, good test-taking accommodations, dyslexia-friendly, faculty are accessible and supportive. WORST: Teachers resist providing accommodations. I had more than two teachers try to deny me accommodations. TIPS: Know your rights!

Cal State Long Beach  (Film) BEST: free learning support, good system to ask for accommodations, good accessibility – audio available in a timely fashion, good test taking accommodations, dyslexia-friendly, helpful disability office, peer mentors, faculty are accessible and supportive. TIPS: Start with Steven Benson dyslexic department. Maintain a current IEP PRIOR TO APPLICATION

Holy Names University Disability Support  (Educational Therapy) BEST: free learning support, good system to ask for accommodations, good accessibility – audio available in a timely fashion, good test taking accommodations, dyslexia-friendly, helpful office, small classes, faculty are accessible and supportive. WORST: No visible dyslexia programs on campus, negative culture for learning differences. “I mark ‘negative culture’ as some staff members are working toward gaining knowledge of ADA. That said, this learning community is very diverse and inclusive. TIPS: Be proactive in asking for the support you need. Make friends with the librarians; they can be your strongest advocates.

Mills College Support Services  Oakland. . (Biology) BEST: good test-taking accommodations, faculty are accessible and supportive, small classes, dyslexia-friendly environment.

Monterey Institute of International Studies “I took all my papers to the Writing Center to be edited. My writing improved.” Tape recorder, oral testing, skimming reading, visual presentations.

Palomar College Disability Resource Center   (Visual Arts AA)  BEST: free learning support, good system to ask for accommodations, helpful resource office, good test-taking accommodations. WORST: no visible dyslexia programs on campus, teachers resist providing accommodations, “There is no dyslexic focused teaching methods incorporated in the general education classes. If you are particularly struggling they don’t know what to do to help you. You can have all the time you want, but if you’re not getting it you’re just out of luck.” TIPS: “You’re going to need a private tutor that specializes in dyslexia for the subject/s that are your most difficult.”

Pitzer College – Academic Support Services “Mine was the last year without a math requirement.” Didn’t use the Learning Center on a regular basis. If poor grades, spoke to professor or went to the learning center. After failing statistics 2x, successfully petitioned to have a statistics waiver to graduate.

San Francisco State University – Disability Resource Center

Stanford University- Schwab Learning Center  – There have been recent upheavals in the Schwab Learning Center due to department changes. We will update you if we have any new information from current students.

University of California – Berkeley – Disabled Students’ Program Berkeley Extension: Occasionally I’d get a bad teacher who said they didn’t believe in accommodations like extra time, but the DSP backed me up and I was ever prevented from getting what I needed.

University of Santa Cruz  Disability Resource Center Once I tell teachers, they’re understanding.  Note taking, tape recorder, assistance with writing, and computer for personal use. Dyslexia support group (newsletter and events)

University of Southern California (USC) Korschak Center

University of the Pacific – Services for Students with Disabilities Stockton, CA   (Music Major) BEST: Good test-taking accommodations WORST: Negative culture for learning differences. “I would pick a different college, the culture is not conducive for visual or alternate learners”

CANADA
University of Manitoba Accessibility Winnipeg, Manitoba.  (Law). BEST: Good test taking accommodations, dyslexia-friendly environment, helpful resource office, faculty are accessible and supportive, good accessibility – audio available in a timely fashion, good system to ask for accommodations, free learning support. WORST: no visible dyslexia programs on campus. TIPS: Very supportive university.

University of Toronto – Accessibility Services  (Arts & Sciences) WORST: Difficult process for asking for accommodations, teachers resist providing accommodations, audio resources are late or difficult to acquire, hard to obtain regular test-taking accommodations, no visible dyslexia programs on campus, negative culture for learning differences. ADVICE: “Accessibility is a horror show for dyslexics. Worse than awful exam accommodations and rules; zero differentiation for learners with different learning styles; less than ZERO support for students who are gifted but do not read and write in normative ways; horrible communication with students’ one hour per week drop in hours for services; even the equity studies and women’s studies profs who should know better are s— on access issues; 6 week wait MINIMUM for assistive tech in start of program – most crucial time to have supports; OVERLOAD with assessment and no action on accomodation as if assessment itself is the job of accessilbity services; punitive behavior of disability counsellors when students miss a deadline; refusal of exam accommodations even if prof is late with posting exam schedule; scribes known to students (totally inappropriate); scribes switching off half way through test or exam; scribe demanding student indicate punctuation or would not scribe (totally different part of the brain); university uses volunteer notetakers even though the ministry of education provides funding to pay them; if no notetakers volunteer to take notes the student goes without; notetakers can hand write notes which can’t be read by text to speech software; there is no library of audio or pdf’d textbooks or readers so each student needs to have materials scanned each time fresh and WAIT up to six weeks putting them at a distinct disadvantage. Open book exams are not accessible to students who do not read and write in normative ways; cheat sheets for exams are not accessible for students who do not read and write in normative ways and yet are marked. It is basically a s— show unless you fit a tiny, narrow definition of what is disabled. The lack of imagination is ASTOUNDING at the #1 university in Canada. Worse than useless. ADVICE: DO NOT DO IT.

COLORADO
Pikes Community College Accessibility Services  (Pre-engineering) BEST: Good system to ask for accommodations, good test taking accommodations WORST: No visible dyslexia programs on campus, no learning support or only expensive learning support program.

Rocky Mountain College of Art + Design “Didn’t need accommodations for all my classes because this is art school. The disability person was friendly and helpful. The typography class had assignments with hand-drawn fonts, but I have fine motor issues and a little tremor. It wasn’t a huge deal, but it was helpful that she contacted the teacher separately.”

CONNECTICUT
Central Connecticut State University Disability Services –  (History)
BEST: small classes. WORST: Not much understanding about the problem. No visible dyslexia program on campus.

University of Connecticut – Center for Students with Disabilities

Yale University Resource Office on Disabilities

DISTRICT OF COLUMBIA (DC)
American University  (Masters Anthropology) BEST: small classes, good accessibility , free learning support. “AU has a focus on diversity and this includes learning disabilities. Most professors were accommodating and pleased to do so. As an older student, I had the financial resources and knowledge to come prepared with online reader programs (learning ally, audible, natural reader, vBookz, etc.) On a rare occasion, readings were not available in PDF form or audible book form, and in those incidences, keeping up was difficult. Overall, it was a supportive environment.” WORST: there is no disability resource office, audio resources are late or difficult to acquire, difficult process for asking for accommodations. “To my knowledge, AU did not have a specific dyslexia resource office, but did have learning disability office. I find that as a dyslexic student, many schools often lump all needs into “disabled” without resources for individual needs. Additionally, access to online PDF readers and audible books were available after many “hoops”, but still available. It would be easier if those were available readily to all students, regardless of diagnosis and paperwork.”

FLORIDA
Embry-Riddle Aeronautical University- Disability Support  (Aerospace Engineering) BEST: Good system to ask for accommodations, audio available in a timely fashion, good test-taking accommodations, dyslexia-friendly environment, helpful office, small classes, faculty are accessible and supportive. Students with accommodations get priority for registering for classes. Good counselling services available if you are stressed, with a therapy dog on duty in the counselling center. Students with accommodations get free tutoring if needed.” TIPS: The professors are very helpful, so take advantage of their office hours to get extra help from them if you need it.

Florida Southern College – Student Disability Services (Elementary Education) BEST: Free learning support, good system to ask for accommodations, audio available in a timely fashion, good test-taking accommodations, dyslexia-friendly, helpful office, peer mentors, small classes, faculty are accessible and supportive. “FSC has an elementary school on campus (Roberts Academy) for dyslexic students grades 2-6 (adding 7 and 8 in the next two school years). It’s an Orton-Gillingham school!. All pre-service teachers spend a considerable amount of time in the classrooms at Roberts getting full exposure to dyslexia, what it is, what it isn’t, what works, what doesn’t work etc. Every subject is taught in a multi-sensory way. All teachers at Roberts have their Masters degrees and are level II OG trained. Pre-Service teachers at FSC also have the opportunity to take Orton-Gillingham classes that the college offers. They bring in an instructor from OG to teach the course. The first half of the course takes place during the first semester, the second half during the second semester. My DD has had many lightbulb moments at both Robert’s Academy and during the OG courses that she has taken. She wonders why these methods are not taught across the board in all schools. It just makes so much sense to her. (She never received any OG reading intervention during her K-12 education)” TIPS: 1. Visit the campus you are considering 2. Sit in on some classes in the course work of the degree you are considering pursuing 3. Talk to current students in those classes/degree with known learning disabilities about the course work, professors, and learning services support and get a feel for how well the learning institute supports LD students.

Full Sail University – Services for Students with Disabilities  (Masters, Instructional Design) WORST: No visible dyslexia program on campus. In many ways the FSU program was very engaging. However, this program is one class in four weeks for 12 months. The pace is very fast for digesting content. For an adult training program, the program ignored how to train adults with learning disabilities. Considering the writing component of the courses feedback from professors was typically relevant, but a large percent of grades relied on peer reflection/feedback. Often peers posted sloppy discussion posts that were difficult to give feedback on. Additionally, reflection posts included responding to peers projects. Often peers rushed through the reflection and didn’t provide constructive feedback; yet this was an important component for the course grade. I’m a 45 year old mother of a 4 and 12 year old and was a high school history teacher for 14 years. The writing process tends to be slow for me and trying to respond to posts was challenging at times. After 6 months into the program I was drained as a writer and my head was mush. Exhaustion and stress lead to anxiety and that downward spiral Dyslexics can struggle with. TIPS: Take breaks every couple of months especially if you have other obligations like family or employment. Tell every professor you have you’re dyslexic and speak to your strengths and weaknesses as a student. I’m not sure if that will make a difference for some professors, but Dyslexics need to start educating those in academic positions. Even though I was considered a Highly Qualified Teacher, I taught for 14 years before I realized I’m dyslexic. The majority of educators need to be educated on teaching dyslexics.

Stetson University Disability Resources  (English) BEST: good system to ask for accommodations, good accessibility – audio available in a trimly fashion, good test taking accommodations, helpful office, small classes, faculty are accessible and supportive. WORST: No visible dyslexia programs on campus TIPS: Get help early and don’t be afraid to ask for more if you need it. Let your professors know too as most will be happy to help you out.

University of Miami – Office of Disability Services Alumni (attended in the late 60’s): An international university with vast diversity, where high academic standards are expected but individuality is paramount

University of Tampa Disability Services  Alumni – graduated more than 5 years ago). (Government and World Affairs and Communications). BEST: good system to ask for accommodations, dyslexia-friendly, helpful resource office, small classes, faculty are accessible and supportive. “When I attend University of Tampa, my accommodation were granted as long as my file was updated to date illustrating that I am dyslexic. When taking test, I had quite room, and I had unlimited amount of extended time to take my test. I was chosen to be my class speaker of the December 2007. You had to apply by writing your speech and tell the University why you should be class speaker. I was the first dyslexic and epileptic class speaker at University of Tampa.” WORST: “The most difficult was the cost of re-certificating myself as a dyslexic. Those test are $1500 dollars. That is a lot of money. You have to do those test every 3-5 years. I am not going to stop being dyslexic. That would be great, if I became amazing writing, but that not going to happen. I had to borrow that money. What if someone who is dyslexic does not have the money? Then what? They lose their accommodation? That needs to change in general in the college system.” TIPS: “Go to a University with small classes. When I went to University of Tampa thhe average class was 15 people. I believe it is 20-25 now, which is still small. When you have small classes you become close to your professors. I am still friends some of my professors. Go visit the disabilities office, I love that UT disability office is called the Academic Center of Excellent. It gave me positive feeling when going to talk about my services. Especially after being under the umbrella of special ed all your life. It very negative for a dyslexic person.”

IDAHO
Idaho State University – Disability Services  (Journalism & Sports Management) BEST: Free learning support, good system to ask for accommodations, audio available in a timely fashion, good test-taking accommodations, helpful office, small classes, faculty are accessible and supportive. “The disability services office blew our socks off with how helpful they were. More than just complying with the law, they go above and beyond including 1:1 help with TTS software, offers of free use of technology just to try it out, help with role playing with professors, frequent contact in the summer before freshman year to build relationships, and a “got your back” attitude. This office is why we chose this university. To sweeten the pot, it is very inexpensive for both tuition and housing and is located in a beautiful spot close to the Tetons.”

ILLINOIS
Southern Illinois University – Edwardsville   (Psychology). BEST: free learning support services. Helpful office. WORST: teachers resist providing accommodations, hard to obtain regular test-taking accommodations, negative culture for learning differences, difficult process for asking for accommodations TIPS: “on’t. the teachers do not understand the what “learning difference” means and all classes are taught in an analytic, sequential way. you will be treated as a burden on the same level as a student with any serious impairment.”

INDIANA
Hanover College  (Business & Economics  > 5 years ago) BEST: free learning support, good system to ask for accommodations, good test taking accommodations, peer mentors, small classes, faculty are accessible and supportive. Strong support in liberal arts environment. Excellent free learning center. Fully accommodated my nephew. Professors very available and supportive. WORST: There is no disability resource office. TIPS: Apply with request for accommodations. Meet with admissions & Learning Center teams.

Indiana State University – Center for Student Success  Free tutoring, mentoring, advising. Works with Disability Student Services. “Indiana had a strong LD program…Help was always there in college.” Personal tutor after sports practice. Extra time on tests, tape recorder for lectures, preparation tests to study before a test, and a reader who was a grad student who also paraphrased to check for understanding

University of Notre Dame Disability Services  (Neuroscience and Art History) BEST: free learning support, good system to ask for accommodations, good accessibility – audio available in timely fashion, good test taking accommodations, dyslexia-friendly, helpful office, peer mentors, small classes, faculty are accessible and supportive TIPS: It is great!

IOWA
Iowa State University – Student Disability Resources  (Elementary Education) BEST: Free learning support, good system to ask for accommodations, audio available in a timely fashion, good test-taking accommodations, dyslexia-friendly, helpful office, peer mentors, faculty are accessible and supportive WORST: The only problem I had was with one adviser in the school of education not understanding what dyslexia is. TIPS: “Look for a school that is going to work with you. When you go on college visits go to the disability office and see what the atmosphere is and what accommodation they have.”

Loras College Lynch Learning Center  (Sports Management & PR > 5 years ago) BEST: free learning support, good system to ask for accommodations, good test taking accommodations, dyslexia-friendly, helpful office, faculty are accessible and supportive. TIPS: Utilize the system they gave to you, Norte Dame even asked Loras for help with their program.

University of Iowa –UI Reach and Student Disabilities Service

IRELAND
University of Limerick Disability Services
(Technology Education)
BEST: good test taking accommodations, faculty are accessible and supportive.
WORST: difficult process for asking for accommodations, teachers resist providing accommodations, no visible dyslexia programs on campus. Don’t try Learning like everyone else, own your dyslexia because only you can truly understand your mind

KANSAS
University of Kansas Student Access Services (Psychology – alumni > 5 years ago) BEST: None. WORST: No visible dyslexia program on campus. TIPS: Seek assistance right from the start.

LOUISIANA
Nicolls State University – Student Access Center  (History) BEST: Good system to ask for accommodations, audio available in a timely fashion, good test-taking accommodations, dyslexia-friendly, good offices, faculty accessible and supportive

MASSACHUSETTS
Boston University – Disability Services “I surrounded myself with classmates who were willing to help explain the questions…sadly there are many ‘old style’ professors who don’t believe in learning difference.”

Calvin College – Center for Student Success  (Social Work) BEST: Free learning support services, good system to ask for accommodations, audio available in a timely fashion, good test taking accommodations, dyslexia-friendly, helpful office, small classes, faculty are accessible and supportive TIPS: “Go see SAS and they will match you with an advisor specifically for your Dyslexia.”

Curry College – Disability Services : (Environmental Sciences, but they discontinued the major) BEST: Good system to ask for accommodations, good accessibility – audio available in a timely fashion, helpful office, small classes. WORST: No learning support or only expensive learning support, no visible dyslexia programs on campus. We paid for my disability services….an extra $10,000 per year…is this legal? But while they were nice, it was just a glorified place to get organized. This was supposed to be a school at the top of disability services…but they were not. I got all my help and tutoring from the free resources available to all kids. TIPS: Just look for good services….all colleges have them these days so you don’t have to pay extra.

Harvard University – University Disability Services Massachusetts Institute of Technology (MIT) Student Disability Services “I’ve known at least a dozen MIT grads who have been out for some years now. They all have said that MIT was a good school for dyslexics.”

Williams College – Disability Support Services Worcester Polytechnic Institute Disability Support  (Civil Engineering) BEST: free learning support, good system to ask for accommodations, good accessibility – audio available in a timely fashion, helpful office, peer mentors, faculty are accessible and supportive. Echo360 records the class for those with accommodations to be able to review on their computers. Allows lectures to be recorded when Echo360 not available in that classroom. TIPS: Register with the Office of Disability Services before enrolling. Have weekly meeting with staff to check in. Don’t be afraid to ask Professors for help. They really care and want you to succeed!

Worcester Polytechnic Institute Disability Services  (Civil Engineering) Free learning support, good system to ask for accommodations, good accessibility – audio available in timely fashion, good test taking accommodations, dyslexia-friendly, helpful resource office, faculty are accessible and supportive, small classes, peer mentors. Echo 360 films class for replay by dyslexic students. Also audio recording, teacher’s notes, professors are eager to help. TIPS: Embrace your differences and seek accommodations. Don’t be shy. They want to help. Also SAT is not required.

MICHIGAN
University of Michigan -Services for Students with Disabilities “The Center for Student with Disabilities gave me lots of ideas including asking for extended time on tests and testing in a quiet room without distractions.” Taping lectures, reduced course load.

MINNESOTA
University of Minnesota Disability Resources Center  (Plant Science & Food Systems) BEST: Free learning support, good system to ask for accommodations, good test-taking accommodations, dyslexia-friendly environment, helpful office, faculty are accessible and supportive WORST: Audio resources are late or difficult to acquire ADVICE: “The U of M is a wonderful school for dyslexic students. This university is very supportive of students with dyslexia and many of the professors understand what it is and that students are not “faking it”.

MISSOURI
Westminster College Learning Differences (Security / Political Science / Finance) BEST: Good system to ask for accommodations, good accessibility – audio available in timely fashion, good test taking accommodations, dyslexia-friendly, helpful office, faculty are accessible and supportive, small classes. The Learning Support is excellent and well-worth the added fee. The Learning Support team advise, tutor, teach classes on learning skills and strategies, help with writing, acquire audiobooks and materials etc, work with professors if needed, provide quiet test-taking. My son has made the Dean’s List with a 3.7. I don’t think this would be possible without the support and skills provided to him by this team of professionals TIPS: I wish they had more technology available for students–like Read Write Gold or something like that.

NEVADA
University of Southern Nevada   (Culinary Arts Hospitality) BEST: free learning support, good system to ask for accommodations, good test taking accommodations, helpful office, small classes, faculty are accessible and supportive. Excellent note providing services. Email within 24 hours always! TIPS: Go to the disability office wayyyyy before starting school there.

NEW YORK
Concordia College New York – Connection Program Bronxville, NY. BEST: Good test-taking accommodations. WORST: No learning support or expensive program, difficult process for asking for accommodations, teachers resist accommodations, audio resources are late or difficult to acquire, no visible dyslexia programs on campus, negative culture for learning differences.

Cornell University Student Disability Services  BEST: Good system to ask for accommodations, good accessibility – audio available in a timely fashion, good test taking accommodations, dyslexia-friendly, helpful office, faculty accessible and supportive. TIPS: Disability Office staff are top notch

Hudson Valley Community College Center for Access  (Individual Studies) BEST: Free learning support services, good system to ask for accommodations, good test taking accommodations, faculty are accessible and supportive. This program is not the best for providing students accessibility options, but they are not the worst either. I’d say they are just average. I’ve attended other schools and most of the others have provided more assertive technology options to their students, but again they could be worse. There are enough supports on campus between those provided through the Accessibility office as well as the general supports offered through the departments and the library, etc. WORST: No visible dyslexia programs on campus. Usually there is at least one or more teachers that don’t seem thrilled about having to accommodate students. Also, sometimes I have to miss parts of my classes to use my accommodations for testing. TIPS: Good time management skills are a must; Advocating for your needs is a must; Disclosing and using your accommodations consistently will be tremendously helpful;

Marymount Manhattan College – Disability Services  (Fashion Design) WORST:Only expensive learning support program, difficult process for asking for accommodations, teachers resit providing accommodations, audio resources are late or difficult to acquire, hard to obtain regular test-taking accommodations, no visible dyslexia programs on campus, negative culture for learning differences. TIPS: “Observe or talk to Learning Specialist. Ask them if they use any form of UDL or assistive technology.”

New York University Moses Center  (Nutrition) BEST: free learning support services. WORST: Difficult process for asking for accommodations, audio resources are late or difficult to acquire, hard to obtain regular test-taking accommodations, no visible dyslexia programs on campus. Test taking rooms can have 12 other people in them which is very distracting. Computers available to use for exams in the testing center do not work well. Some computers will crash while your in the middle of an exam.

Sarah Lawrence University – Office of Disability Services  (Creative Writing, Film, Ancient History) BEST: Free learning support, good system to ask for accommodations, good test taking accommodations, dyslexia-friendly, helpful office, small classes, faculty are accessible and supportive. Many of the classes are visually oriented. For example, many history classes utilize film and art as a basis for historical evidence. Creativity is the key to SLC. Creativity is promoted as part of critical thinking and analysis. Classes are mainly seminar based and small and you meet with the professor on a bi-weekly basis to discuss and develop an individual project (conference work) for the class in addition to the work common to everyone. This allows one to follow their passions within the class content and develop close a working relationship with your professors. Every semester you take three 5 credit classes, each with an individual conference project. Prior to registering for classes, every student interviews the professors teaching the class that they are interested in. In the interview, one can determine how that professor teaches, how are students assessed (ie not many classes have tests, but some do), how much reading is involved, how much writing, etc. TIPS: Talk to the professors openly, keeping communications flowing.

State University at Buffalo – Equity, Diversity, Inclusion  (Dance and Business) BEST: Free learning support services, good system to ask for accommodations, good test-taking accommodations, faculty are accessible and supportive. WORST: Audio resources are late or difficult to acquire. PDF files for textbooks, need to send in information in at the end of the prior semester to receive accommodations for the next semester in order to get books in a timely manner. Even after doing so don’t receive books during the first week of classes. Only receive PDF files after sending a reminder and often a week or two into the semester, four weeks at the latest. Once receive files, accommodations are very good and work well. Have had a problem with text center and professor not sending tests in on time. Make sure to have verbal or written confirmation that you can take exams early if original exam time is when the test center is closed. TIPS: Don’t be afraid to send reminders and/or have meetings to get the accommodations you need. If youre confused ask, because won’t always be very direct in how to do things. Know the hours of the test center when making exam requests and be as specific as possible.

Syracuse University Office of Disability Services

BEST: Good system to ask for accommodations.
“The Learning Center has improved, but sometimes I don’t get the tapes until the week before the test.” Most professors are supportive. Some have made special exams for me. Extended time, reader for exams books on tape, taped lectures, tutoring, note taker, computer for exams, typed written assignments. Counselor. Consultant helps with writing.

NORTH CAROLINA
Guilford College – Accessibility Resource Center  (Psychology, alumni 15+ years ago) BEST: good system to ask for accommodations, audio available in a timely fashion, good test taking accommodations, dyslexia-friendly, helpful office, peer mentors, small classes, faculty are accessible and supportive. Everything about the program was good. TIPS: Get help as soon as you get there Be sure you have been tested and identified before you go.

OHIO
Stark State College Disability Support  (Massage Therapy, switched to Dental Assisting) North Canton OH. BEST: Free learning support, small classes, A lot of the courses are more hands-on and less reading-only. WORST: Difficult process for asking for accommodations, teachers resist providing accommodations, audio resources are late or difficult to acquire, there is no disability resource office, hard to obtain regular test-taking accommodations, no visible dyslexia programs on campus. Another dyslexic girl in my class was the object of our teacher’s adamant dislike, mostly for being dyslexic and therefore not doing so well at the right/left part of our course. The teacher treated her like she was stupid, and I found the teachers in the dental assisting course tended towards condescending behaviors like that towards students with learning differences. However, other courses and classes were very open and friendly to learning differences, so it seems more teacher-specific than an overall problem. TIPS: Don’t go into Dental Assisting or another very strict program. They have a lack of empathy and help for dyslexic students. Massage Therapy and many other programs, however, are awesome for dyslexic students. Try to get a feel for whichever program you’re looking into.

Sinclair College Accessibility Services  (Architectural Technology). BEST: Free learning support, good system to ask for accommodations, good accessibility – audio available in a timely fashion, good test-taking accommodations, dyslexia-friendly environment,  helpful disability resource office, small classes, faculty are accessible and support. Sinclair has an effective disability services program and the faculty are quite willing to provide the needed accommodations. This is a great school to go to if you want to succeed in college! TIPS: Sinclair welcomes people with disabilities of all types and has an effective program for providing needed accommodations. The keys to success are to go to class, do the homework, and study for the exams. The faculty and staff are willing to help when the student does their part.

Muskingum University – Disability Education Office   (Special Education & History – Alumni graduated 7 yrs ago) BEST: Good system to ask for accommodations, good test-taking accommodations, dyslexia-friendly, helpful office, small classes, faculty are accessible and supportive. Content tutors, not peer tutors. WORST: There was a large cost for the most comprehensive service but there were different levels. TIPS: Make sure you are studying.

OREGON
Mount Hood Community College Disability Services
(Elementary Education)
BEST: free learning support services, good test taking accommodations.
WORST: Difficult process for asking for accommodations, hard to obtain regular test-taking accommodations, no visible dyslexia programs on campus, negative culture for learning differences.
TIPS: Don’t be afraid to ask for help. Great advisors and teachers WANT to see you succeed. Be confident in who you are!

Southern Oregon University – Disability Resources (Technical Theatre) BEST: Free learning support, good system to ask for accommodations, audio available in a timely fashion, good test-taking accommodations, dyslexia-friendly, helpful office, peer mentors, small classes, faculty are accessible and supportive “The UCam program is great. Doesn’t cost too much, and I get a weekly appointment with a learning coach. Much of what I need is done automatically (I get an email reminder, but accommodations are super easy to access). It’s also a public school, so very affordable.”

University of Oregon Accessible Education Center (Architecture major) WORST: Difficult process for asking for accommodations, teachers resist accommodations, Audio resources are late or difficult to acquire, negative culture for learning differences. Reduced course load – one class at a time worked for me. Approached professors independently, not involving Student Services. Extended time on tests. Test taking in their office. Essays instead of multiple choice. Project-related exams. Computer courses substituted for math and language requirements. Test files at my fraternity were very helpful.

PENNYSYLVANIA
Millersville University Office of Learning Services  (Music Major) BEST: Are learning support, good system to ask for accommodations, good test-taking accommodations, dyslexia-friendly, helpful office, peer mentors, small classes, faculty are accessible and supportive, preferential housing  based on student request. WORST: No visible dyslexia programs on campus TIPS: “Speak openly to your counselors and the Student Service Center support staff and they are happy to help.”

Pennsylvania College of Technology  (IT)
BEST: Faculty are accessible and supportive, small classes, good test taking accommodations, audio available in a timely fashion, good system to ask for accommodations, free learning support. The disability service office is amazing and the schools policy for helping students with disabilities is very accommodating. They will provide all your text books in a PDF format after purchase, so you can have the computer read it to you. The library has computers with Kurzweil (an advanced PDF/ webpage reading Software) for use to anyone. They will allow you to take extra time on your tests and have a computer with Kurzweil on it available if you want the tests read to you. Disability services will do everything they can to help you get through this tough time in life. WORST: Most of the teachers’ teaching style makes it difficult for a dyslexic student to learn. But there are also many teachers who teach in a way that is it easyer for everyone to learn. The disability service office is small and often has a hard time keeping up with the amout of students they need to serve. TIPS: Get the disability accommodations process started before you start school, it will take longer once the school year starts. Schedule your tests/ meetings in advance.

University of Pittsburgh Disability Resources 100% extended time on exams, word processor for tests, audio record lectures.

RHODE ISLAND
Brown University Learning Support Specialist “It’s possible to graduate Brown with no distribution requirements. There’s also a credit / no credit grading option…” “I look for courses that do project work instead of tests.” “I’m glad I spoke to the Dean of Students who helps LD students.” Headphones in computer center.

Roger Williams University – Student Accessibility Services 9/10 STARS (Mechanical Engineering) BEST: Free learning support services, good system to ask for accommodations, good test taking accommodations, helpful office, small classes, faculty are accessible and supportive WORST: No visible dyslexia programs on campus TIPS: “Be willing to work hard. Be prepared to be your own advocate. Be respectful when seeking accommodations from professors. Become proficient in technology.”

SOUTH CAROLINA
Clemson Student Accessibility  Graphic Communications Alum (> 5 years) BEST: Free learning support, Good testing taking accommodations, dyslexia-friendly, helpful disability resource center, peer mentors, small classes, faculty are accessible and supportive. Sign up for classes first so you get better times and teachers you feel are best. They used to let you take sign language if your major required a foreign language.

Coastal Carolina Accessibility and Disability  Communication BEST: free learning support, good system to ask for accommodations, good accessibility – audio available in a timely fashion, dyslexia-friendly, helpful office, peer mentors, small classes, faculty accessible and supportive. TIPS: Get to know your professors and the staff at the accessibility/disability office. Making connections will help you learn now and they will always look out for you.

SWEDEN
Umea University Disability  (Human Computer Interaction) BEST: Free learning support, good system to ask for accommodations, audio available in a timely fashion, good test-taking accommodations, dyslexia-friendly, helpful office, peer mentors, faculty are accessible and supportive. It was a huge list for leaning disabilities and other disabilities that they gave me to see and the responsible person helped me to choose WORST: The facilities e.g. computers for text to speech and speech to text etc were only in Swedish. Probably they can make an English version for the international students. TIPS: Go for it and do not hesitate to discuss your disability and ask for help

TEXAS

El Paso Community College   (Ed in Admin K12) BEST: free learning support, good test taking accommodations, helpful resource office, “Professors do not do anything to address needs of students in class. Students are expected to take remedial classes in area of disability, instead of college giving more support in required classes. This only lengthens the time and expense of college degree. This is disheartening, and leads to students dropping out of college.” WORST: No visible dyslexia programs on campus.

Saint Edwards University Student Disability Service.  (Computer Sciences) BEST: good accessibility, small classes, helpful office, dyslexia-friendly environment, good test taking accommodations, good system to ask for accommodations, free learning support. WORST: no visible dyslexia program.  TIPS: “Have your accommodations clearly defined, meet with disability staff regularly, talk to your teachers in advance, and explain how you learn. What works, and what does not work. Ask for help if you need it.

Southern Methodist University – Altschuler Learning Enhancement Center “Thankfully someone awarded me a mentor…” Talked about book or paper – my mentor helped organize my thoughts. No foreign language requirement.

Texas A & M Office of Academic Enhancement    (Biomedical Sciences) BEST: good system to ask for accommodations, test-taking accommodations, helpful office TIPS:”Go and visit your 504 disability center the first week of school. They will help you set up everything you need.”Extra time on tests. Tests in the testing center away from others, covered overlays if requested.

Texas A & M Dental School – Accommodations through Office of Academic Enhancement  (graduated in the past 5 years) – Endodontics BEST: small classes WORST: No learning support. Only expensive learning support program. Teachers resist providing accommodations. Audio resources are late or difficult to acquire. They were very hesitant to give accommodations. Teachers did not know what to do. Several instances with teachers violating rights to confidentiality. TIPS: Do not let them put you down. Stand up and demand respect and accommodations.

Texas State Technical College Disability Services  (Business  – more than 5 years ago) BEST: Free learning support, good system to ask for accommodations, good test taking accommodations, dyslexia-friendly, helpful office, peer mentors, small classes, faculty accessible and supportive. WORST: Understaffed! Shortage of housing due to Baylor University nearby. TIPS: Dont wait – get the enrollment package and career flyer.

UNITED KINGDOM
Coombeshead College / Academy BEST: Small classes. WORST: No visible dyslexia programs on campus. They should put up a notice of symptoms and give a free assessment.

Leeds College of Art   (MA Creative Practice) WORST: No learning support or only expensive support system. “The college where unable / unwilling to give me the support I needed. I got caught in a nightmare situation with the government willing to pay. But the college unwilling to allow a dyselixa specialist on the campus. I was not comfortable meeting in a cafe. My personal tutor was good in as much she helped me with spelling and over looked my poor grammar. But that was very much down to her.” TIPS: “Don’t find another college, I heard from students who’s personal tutors did not turn up for tutorials”

Stourbridge College Student Support  -West Midlands. . BEST: Free learning support services, small classes. The motor vehicle tutor is brilliant and work from work books and he makes learning fun and visual. WORST: No visible dyslexia programs on campus. There is no disability resources office. My son had to re sit his GCSEs maths last year. At first the kids had to go in and register and had no teacher then were sent home with a work book to teach themselves. My son didn’t get an echp but a plan was written out by the council on how best to support him. The tuition after that was patchy, When he took his maths exam he was sent out without being allowed extra time and when I questioned it the college lied and told me he had gone to the wrong room. I took this matter further to the principal . this year he has been taught no maths which I have questioned and the college said they don’t do this on a level 2 qualification only at the end of the term have they decided that in the summer they want these low ability students to cram and sit some kind of maths exam in the summer. TIPS: Make sure you/parent is aware of what provision is put in place and make sure you get it.

UTAH Utah Valley University Accessibility Services   (Behavioral Science – Psychology) BEST: free learning support, good system to ask for accommodations, good accessibility – audio available in a timely fashion, good test taking accommodations, helpful disability office. There is a good learning strategist on campus who is very helpful and understanding WORST: The testing center is a pain with scheduling. TIPS: Go straight to the accessibility office when you first visit the school and pick up the required paper work. Get your accommodations letters early.

VERMONT
Bennington College Accommodations and Support

Goddard College Access and Disability  (Creative Writing) BEST: free learning support, good system to ask for accommodations, dyslexia-friendly, helpful office, faculty are accessible and supportive.

Landmark College  (Psychology – Alumni 15+ years ago) BEST: Free learning support, good system to ask for accommodations, audio available in a timely fashion, good test-taking accommodations, dyslexia-friendly, helpful office, peer mentors, small classes, faculty are accessible and supportive BEST: No foreign language requirement. Help with organization (master notebook system) WORST: I wasn’t intellectually stimulated.

University of Vermont – Burlington (Environmental Science Conservation Biology) 10/10 STARS BEST: Free learning support, good system to ask for accommodations, good accessability – audio in a timely fashion, good test taking accommodations, dyslexia-friendly environment, helpful disability resource office, small classes, faculty are accessible and supportive. TIPS: WONDERFUL SCHOOL. My dysability advisors were amazing. Whenever there was an issue with a professor my advisors were very very very supportive. I was always instantly repsonded from my emails and they fought for my rights consistently. I succedded because of UVM.

VIRGINIA
James Madison University My athletic advisors steered me through the chaos. Helped organizing classes, early registration, reduced course load, extended time.

WASHINGTON B
Bellevue College – Disability Resource Center I only took a few courses in Running Start. The head of the DRC is blind. The office is very supportive and it’s easy to submit your documentation and get the accommodations you need. I was told 25% of the student body has accommodations of some sort.

Evergreen State College “It’s possible to design an independent study program for all 4 years. I think that means you don’t have to take a foreign language in college, although you should have taken 2 years in high school. There aren’t any general education requirements.”

Marshall University Disability Services BEST: good system to ask for accommodations, good accessibility, audio available in a timely fashion, good test-taking accommodations, dyslexia-friendly, helpful office. “HELP program provides a counselor to assist in choosing classes, tutoring and testing accommodations. There is an additional fee for the program but well worth the money!


WISCONSIN
University of Wisconsin – McBurney Disability Center

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May 25, 2019