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How to cope up with the cost of raising a CP child
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How to cope up with the cost of raising a CP child

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Families of children with CP experience a financial burden due to their child's condition. 

Families of children with CP experience a financial burden due to their child's condition. 
Hence, not only is the child with the disability affected, but so is the family.

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    How to cope up with the cost of raising a CP child How to cope up with the cost of raising a CP child Presentation Transcript

    • HOW TO COPE UP WITH THE COST OF RAISING A CHILD WITH CP? GAYATRI AJAY UPADHYAY AJAY UPADHYAY
    • • A MAN WHO BOTH SPENDS AND SAVES MONEY IS THE HAPPIEST MAN, BECAUSE HE HAS BOTH ENJOYMENTS. - SAMUEL JOHNSON
    • DAY TO DAY EXPENSES • EXPENSE OF RAISING A CHILD HAVE BECOME ENORMOUS IN THE PRESENT CENTURY. • BASICS: FOOD, CLOTHES AND SHELTER WITHOUT ANYTHING EXTRA CAN BE VERY COSTLY TO SUPPLY
    • HOW MUCH DOES IT COST TO RAISE A CHILD IN 2013 COMPARED TO A DECADE AGO? • THE COST OF RAISING A CHILD TO THE AGE OF 21 HAS INCREASED BY 58% SINCE 2003 WITH EDUCATION AND CHILDCARE BEING THE BIGGEST EXPENDITURE FOR PARENTS.
    • COST OF RAISING A CHILD WITH CP ADDING TO THIS THE ADDITIONAL BURDEN OF HIGH PRICED MEDICAL CARE WHEN A CHILD IS DISABLED AND A FAMILY’S FINANCIAL SITUATION CAN SEEM OVERWHELMING AND UNMANAGEABLE. NEEDS ARE GREAT AND THE RESOURCES OFTEN LACKING
    • • CHILDREN WITH CP OFTEN REQUIRE EXCEPTIONAL LEVELS OF CARE AND RELATED COSTS. • MANY OF THESE COSTS WERE PREVIOUSLY SUPPORTED THROUGH PUBLIC FUNDS VIA GOVERNMENT. • HOWEVER, THERE HAS BEEN A GROWING TREND TOWARDS PRIVATE CLINICS, CENTRES, TRUST ASKING HUGE AMOUNT RESULTING IN THE VAST MAJORITY OF CHILDREN WITH DISABILITIES BEING CARED FOR IN THE HOME, LEAVING FAMILIES AS THE MOST IMPORTANT SOURCE OF LONG-TERM CARE AND ASSISTANCE.
    • DO YOU HAVE A GOOD FINANCIAL RESERVE? • DO YOU HAVE INSURANCE? • SOMETIMES EVEN WITH INSURANCE, FAMILY’S FINANCIAL RESERVES CAN BE DESTROYED BY THE MEDICAL EXPENSES OF A SERIOUSLY DISABLED CHILD.
    • REMEMBER • NON-REIMBURSED EXPENSES FOR DISABILITY-RELATED SUPPORTS • EQUIPMENT, TRAVEL, SPECIAL DIET, SPECIAL CLOTHING, RENOVATION, RELOCATI ON, WHEELCHAIRS
    • SOCIOECONOMIC STATUS MATTERS!!! • THE LITERATURE REPORTS AN ASSOCIATION BETWEEN LOW INCOME AND CHILDREN WITH SPECIAL NEEDS
    • • IN OTHER WORDS, CHILDREN WITH A DISABILITY ARE OFTEN BORN INTO LOW INCOME FAMILIES; • HOWEVER, IT HAS ALSO BEEN REPORTED THAT FAMILIES WHO CARE FOR A CHILDREN WITH A DISABILITY OFTEN FIND THEMSELVES SLIDING TOWARDS POVERTY.
    • • FAMILIES OF CHILDREN WITH CP EXPERIENCE A FINANCIAL BURDEN DUE TO THEIR CHILD'S CONDITION. • HENCE, NOT ONLY IS THE CHILD WITH THE DISABILITY AFFECTED, BUT SO IS THE FAMILY.
    • • FAMILY TIME IS BROKEN DOWN INTO CAREGIVING TIME, EMPLOYMENT TIME, AND OTHER TIME (LEISURE, SLEEP).
    • CAREGIVERS' TIME COSTS • PERSONAL CARE (HELPING WITH THE CHILD'S BATHING, GROOMING, EATING, AND SO FORTH); • PROVIDING MEDICAL CARE (FOR EXAMPLE, MEDICATIONS, TUBE FEEDINGS, TREAT WOUNDS); • PREPARING SPECIAL OR EXTRA MEALS AND CLEANING UP AFTERWARD; • EXTRA OR SPECIAL SHOPPING AND RUNNING ERRANDS (FOR EXAMPLE, BUYING CLOTHING, PICKING UP MEDICATIONS); • EXTRA HOUSEHOLD CHORES (CLEANING HOME); • ESCORTING THIS CHILD TO GET HEALTH CARE;
    • TWO THINGS TO BE FOLLOWED TO OVERCOME THIS TOLL • YOU NEED TO START A PROGRAM OF GOOD MONEY MANAGEMENT. • BOOK: YOUR OWN MONEY – SYLVIA PORTER CAN BE A GOOD GUIDE TO HELP YOU GET STARTED IN GOOD MONEY HANDLING HABITS.
    • • SECOND THING • IMMEDIATELY AFTER RECEIVING YOUR CHILD’S DIAGNOSIS SEEK OUT INFORMATION ABOUT ANY AND ALL FINANCIAL ASSISTANCE PROGRAMS. • VERY DIFFICULT TO CRACK AS THESE INFORMATION APPEARS TO BE WELL KEPT SECRET. • HARD TO GET THE FACTS ON WHAT PROGRAMS ARE AVAILABLE OR HOW TO APPLY FOR THEM.
    • • ITS DIFFICULT TO FOCUS ON THIS NEED FOR FINANCIAL ASSISTANCE AS YOUR MAJOR FOCUS WOULD BE ON TO REACHING THE RIGHT DIAGNOSIS. • TOO OFTEN SO MUCH ATTENTION GOES INTO THE MEDICAL PROBLEMS THAT THE DOCTORS OR OTHER PERSONNEL IN THE HOSPITAL FORGET TO MENTION AVAILABLE SOURCES OF FINANCIAL AID.
    • • YET IF THE CHILD IS NOT REFERRED TO ANY NATIONAL TRUST, PARENTS MAY LOSE ANY CHANCE TO GET THE AID RIGHT FROM THE BEGINNING. • ULTIMATELY FAMILY IS BEARING THE ENORMOUS EXPENSES THAT COULD HAVE BEEN COVERED. • IT MAY BE LEFT TO YOU AS A PARENT TO ASK ABOUT THIS HELP.
    • COST OF INTERVENTIONS • THE INTERESTING QUESTION LIES IN KNOWING WHAT DIFFERENCES IN OUTCOMES ARE OBTAINED FOR THE COST INCURRED WHEN ONE INVESTS IN ONE INTERVENTION RATHER THAN ANOTHER.
    • • YOU WILL PROBABLY HAVE TO BE WELL FOCUSED AND PERSISTENT TO GET TO KNOW WHICH INTERVENTION COULD BE THE BEST, WHICH I KNOW IS A LOT TO ASK YOURSELF WITH WHAT YOU’RE DEALING!!! • TO START WITH ITS ALREADY BEEN EXPLAINED TO YOU IN GETTING THE RIGHT PROFESSIONAL HELP.
    • GETTING AN AID • THE SOCIAL WORKERS ARE QUITE KNOWLEDGEABLE ABOUT MONEY MATTERS, THOUGH NOT ALL CAN HELP. • BUT YOU CAN DEFINITELY GET REFERRALS. • BE PREPARED TO MAKE LOT OF CALLS TO JUST GET THE NAMES OF PEOPLE TO CONTACT FOR POSSIBLE INFORMATION. • YOUR SMALL DIARY/NOTEBOOK CAN BE OF HELP NOW.
    • • ALL IN ALL, CONFRONTING THE FINANCIAL DEMANDS AND FINDING HELP IN MEETING THEM IS NOT EASY. • YOUR FAMILY MAY BE ONE THAT “FALLS IN BETWEEN THE CRACKS,” WHICH MEANS YOU HAVE TOO MUCH INCOME TO QUALIFY FOR NATIONAL AID BUT TOO LITTLE TO FINANCE AN ADEQUATE MEDICAL PROGRAM ON YOUR OWN.
    • • THE KEY IS TO KEEP TRYING – TO GET MORE INFORMATION, TO FOLLOW UP LEADS AND TO CONTINUE APPLYING FOR VARIOUS TYPES OF FINANCIAL ASSISTANCE. • THIS MAY SEEM LIKE AN ENDLESS PAPERWORK MAZE TO YOU, BUT WITH LUCK SOME OF THE PAPER AT THE END WILL BE THE GREEN KIND THAT CAN HELP PAY YOUR CHILD’S MEDICAL BILLS.
    • TIPS FOR MONEY MANAGEMENT • CREATE A BUDGET & STICK TO IT • GET ORGANIZED – PEN DOWN YOUR ACCOUNTS USAGE • PROTECT YOUR PERSONAL INFORMATION • FIND THE BALANCE • SAVE FROM OUTINGS • SEPARATE NEEDS FROM WANTS • KEEP TRACK OF YOUR MONEY • SAVE MONEY – GET INTO THE HABIT • KEEP LOOKING FOR FINANCIAL AID • USE LOANS AS A LAST RESORT • WHILE TAKING CARE OF YOUR CHILD, TAKE TIME OUT TO TURN YOUR SAVED TIME INTO MONEY MAKING ENDEAVOR • PAY BILLS ON TIME
    • KEEP AT IT!!!