Strategies on Offering Financial Education to Persons with Disabilities Michael R. Roush, M.A....
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Transcript of Strategies on Offering Financial Education to Persons with Disabilities Michael R. Roush, M.A....
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Strategies on Offering Financial Education to Persons with
Disabilities
Michael R. Roush, M.A.National Program DirectorNational Disability Institute
Washington, [email protected]
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National Disability Institute
A national research and development organization with the mission to promote income preservation and asset development for persons with disabilities and to build a better economic future for Americans with disabilities.
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The Americans with Disabilities Act of 1990
• The Nation’s proper goals regarding individuals with disabilities are to assure equality of opportunity, full participation, independent living, and economic self-sufficiency for such individuals;
42 U.S.C. § 1201(a)(8) (2005)
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• No group in America is more in need and more deserving of economic recovery
• 58 million Americans with disabilities…1 in 5 (20% of the population)
• 20 million families have at least one (1) member with a disability
• Three times more likely than their peers without a disability to live at or below the poverty line
• Dependence on public benefits for income, health care, food, and housing becomes a trap that requires staying poor to stay eligible
• Complex public benefit system
Background Information
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Financial Education & Persons with Disabilities
• Little federal or private attention has been given to the study of financial education for persons with disabilities.
• Financial education is understudied, un-funded and mainly unrecognized as a piece of the puzzle in reducing poverty and building economic independence and self-sufficiency for working adults with disabilities.
• TaxFacts+ Campaign found that only 21 percent of 649 working individuals earning $35,000 or less had participated in a class or workshop on how to handle their money.
• Participants reported teaching material used for financial education was not understandable or accessible.
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Financial Education for Persons with Disabilities
• Need a framework for building financial relationships with non-traditional partners in the community.
• Professionals in financial services need education about the specific needs of individuals with disabilities on public benefits who are working.
• Employers of individuals with disabilities need information and guidance in assisting workers with various options for employee benefits.
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Tips for Providing Financial Education to Persons with Disabilities
• Disability Etiquette & Use People First Language
• Complex roadmap in navigating public benefit system – important to be mindful of this
• Relevant topics to individuals ex. 401 K may not be as important due to resource limits
• Be creative and make it interactive
• Incorporate financial institutions and non-traditional partners in the delivery of the curriculum
• Make materials accessible
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Disability Etiquette: Additional Resources
• For Additional Information on Disability Etiquette please check out the following links:– “At Your Service: Welcoming Customers with
Disabilities” – this self-paced web course was designed for front-line staff in a One-Stop Career Center however it has many general guidelines on serving people with may different disabilities http://www.wiawebcourse.org/
– Job Accommodation Network – This website has an abundance of resources and information about serving and accommodating people with disabilities. http://www.jan.wvu.edu/
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People First Language• Positive language empowers.
• When writing or speaking about people with disabilities, it is important to put the person first.
• Group designations such as "the blind," "the retarded" or "the disabled" are inappropriate because they do not reflect the individuality, equality or dignity of people with disabilities.
• Further, words like "normal person" imply that the person with a disability isn't normal, whereas "person without a disability" is descriptive but not negative.
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Making Materials Accessible & Providing Accommodations
• Alternative Formats (examples)– Braille– Large print
• Accommodations (examples)– American Sign Language Interpreters– Additional time for tests– Reading questions aloud
• Technology (examples)– Screen readers– Closed captioning for videos
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Community Resources that Support Persons with Disabilities
• Center for Independent Living• Goodwill Industries• Rehabilitation Services• Easter Seals• One Stop Career Centers• American Council of the Blind• Developmental Disabilities Council• Center for Autism and Related Disorders
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Resources and Tools• National Disability Institute www.realeconomicimpact.org
• VISA Financial Soccer (REI Tour version)www.realeconomicimpact.org
• FDICs Money Smart Curriculum www.fdic.org
• Practical Money Skills for Life www.practicalmoneyskills.com/games
• Doorways to Dreams ww.d2d.org
• Job Accommodation Network www.askjan.org
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Best Practices
• 30-second Financial Education Trainings
• Building Economic Strength Together (BEST)
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30-Second Financial Education Trainings
• The purpose of the 30-Second Trainings is that they are designed to be short, easy and fun, they are not designed to be a test but rather to increase knowledge of financial education, they should only take about 30 seconds to review and that they Include national, reputable resources for follow up information.
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Building Economic Strength Together (B.E.S.T.) Program
• To convene groups of citizens with and without disabilities for the purpose of increasing their economic self sufficiency.
• Customized a six part financial and asset building curriculum for three target audiences; Students with intellectual disabilities; veterans with disabilities and the employment provider network.
• Adopted study circle model that promotes interactive and participatory learning and invites experts in the community to deliver content subjects.
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The Arc Jacksonville On Campus Transition at UNFNDI BEST Jacksonville Project Graduates
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Questions