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Finances and
Chronic Illness

Yes, chronic illness can have a significant impact on your finances. There seems to be an endless list of costs associated with chronic illnesses.

Here are some helpful resources to assist you with your needs.


In Debt?
Applying for SSI or SSDI
Resources from disability attorneys
Find a Christian Attorney
Emergency Situations
Disability and Employment
Looking for work?
Starting a business
Financial Tools
Looking for discount medications
Share your suggestions
Organizations In Debt?

Crown Financial Ministries
This organization teaches biblical principles of finance and money management. It also trains others to teach these principles and provides counseling and assistance to those in need. Its public image is through its radio programs which present biblical truths relating to stewardship, ethics, practical money management, and God's ability to meet financial needs (25-minute daily program, "Money Matters", 3 minute program "How to Manage Your Money", and "A Money Minute"). But it also conducts small group studies, seminars and other programs. For a quick overview of RSS feeds and products, also check out their Squidoo Lens.

Physicians' Disability Services explain how to apply and win SSI--Extremely helpful. Disability Workbook for Social Security Applicants, Pds Disability Facts Newsletter & more.

National Organization of Social Security Claimants' Representatives
This is a nationwide professional organization composed of primarily attorney representatives but also non-attorney representatives that specialize in social security disability claims and appeals. When you call NOSSCR, ask to be referred to member attorneys that practice in your area. You will be given telephone numbers of such member attorneys.

The Professional Patient
Guide to managing illness, insurance, and disability in the U.S.

How to stop the calls!

The Fair Debt Collection Practices Act (FDCPA)
Features information on how to deal with debt collectors.

National Foundation for Consumer Credit

Just Say No to Debt
See the Squidoo page of this mom who has put together a wonderful list of books, articles and more resources about how to get out of debt without leaving your home.

Lack Attack
This is an interactive faith-based support site for men, women and couples who are serious about getting out of debt forever. They aren't credit counselors or a debt consolidation company. Instead, they provide sound biblical approaches to dealing with lack, debt, pressure, and spiritual attacks! Read carefully, as there is a $7.77 charge per month to join.

Money saving tips
The way Prosper works is intuitive to people who have used an online auction. Instead of listing and bidding on items, people list and bid on loans using Prosper's online auction platform. People who want to lend set the minimum interest rate they are willing to earn and bid in increments of $50 to $25,000 on loan listings they select. People who lend can easily diversify using "standing orders", which automatically make many small loans to different borrowers.


Emergency Situations

Health insurance for people with chronic illness can be difficult if not impossible. Here are a few resources we hvae found that can sometimes provide emergency assistance. If you know of others, please contact us. We'd love to increase this list!

Free or Low-Cost Medical Clinics
A great resource of medical clinics that offer free or low-cost (like $20) medical help.

In His Name Ministry
If you are in an emergency situation for food, shelter, etc. and you have exhausted your means, this ministry may be able to help you. 405-942-7831.

Modest Needs
A non-profit organization reaching out to the people conventional philanthropy has forgotten: hard-working individuals and families who suddenly find themselves faced with small, emergency expenses that they have no way to afford on their own.

Emergency Medical Services for Children

Crisis Assistance Ministry

If living in Charlotte NC area

Click here for other crisis ministries

Applying for SSI or SSDI
Looking for Work? Disability and Employment

Disabled Business Persons Association

Federal Employment of People with Disabilities Disability related information and resources

The Disability Employment 101 guide is a comprehensive analysis of hiring employees with disabilities

Employment and Disability Institute

The DRM WebWatcher: Employment (Index)A Disability Resources Monthly guide to the best online resources about the employment of individuals with disabilities.

Job Accommodation Network Homepage A free service of the Office of Disability Employment Policy U.S. Department of Labor



Books to Consider on Finances and Disability Benefits
Financial Tools to Help with the Costs Associated with Chronic Illness
Budgeting Tips!

  • Center for Medical Consumers
    The Center for Medical Consumers is a nonprofit advocacy organization working to empower consumers to make sound health-care decisions.
  • Investing Check Your Credit Report
    Experian 800-422-4879
    Equifax 800-685-1111
    Trans Union 800-916-8800
    Ordering your credit reports from a credit "service" and not directly from the credit agency, will deduct points from your credit rating as well as increase your cost.
    Looking for Discount Medications

    Needy Meds

    A website that maintains a list of drug company programs that provide free medications to those in need, and also a list of national and local programs that provide assistance to people with chronic illnesses.


    A web site that helps connect patients with different prescription drug assistance programs

    Patient Access Network Foundation
    The Patient Access Network Foundation is a nonprofit organization that assists the underinsured in accessing needed medications. Assistance is available for a number of diagnoses.

    Chronic Disease Fund
    Our Focus is to provide assistance to those under-insured patients who are diagnosed with chronic or life altering diseases that require the use of expensive, specialty therapeutics.

    Together Rx Access

    GlaxoSmithkline is a partner company in the Together Rx Access card program which provides uninsured Americans with meaningful savings on a wide range of brand-name and generic prescription products, right at the pharmacy counter. The Together Rx Access card program currently provides assistance to more than 800,000 cardholders.
    State and Federal Assistance
    This commercial website features an easy-to-use guide to low or no cost government funded prescription programs. Just click on your state for basic program information, including eligibility criteria, web links, and phone numbers.
    The Medicine Program
    This organization assists people who may qualify to enroll in one or more patient assistance program by preparing and processing all the needed paperwork. This seems to be a very useful service for folks who can't or don't wish to handle this themselves. There is a charge of $5 per drug.
    The Partnership for Prescription Assistance
    This program brings together America’s pharmaceutical companies, doctors, other health care providers, patient advocacy organizations and community groups to help qualifying patients who lack prescription coverage get the medicines they need through the public or private program that’s right for them. Many will get them free or nearly free. Its mission is to increase awareness of patient assistance programs and boost enrollment of those who are eligible.

    Drug Assistance

    The country’s first and only web based system that actually interfaces with your existing Accounting, Admission and Pharmacy software to make the process of providing your indigent patients with the prescription medications that they need. Drug Assistant has the ability to streamline a process that previously has required the arduous task of manually sorting through patient data.

    RX Assist

    The Web's most current and comprehensive directory of Patient Assistance Programs. Patient assistance programs are run by pharmaceutical companies to provide free medications to people who cannot afford to buy their medicine. RxAssist offers a comprehensive database of these patient assistance programs, as well as practical tools, news, and articles so that health care professionals and patients can find the information they need. All in one place.

    Advantage RX Card Drug Prescription Discount

    To help you fight rising costs associated with chronic illness, including prescription drug costs, Advantage Wellness of America is gives you, your family, and your friends a FREE Prescription Drug Card. Anyone is eligible for this free prescription drug discount card. Learn more about the advantage card that has free generic drugs.

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