Financial education can help people with developmental disabilities understand and access financial services.
But if you are a person with a disability, it’s important to be able to explain your situation and use the tools you have to get through it.
Here are some questions you should ask if you have any questions about financial training for people who have disabilities.1.
Do you have a disability?
Is it related to your disability?
Do you need financial assistance to get by?
Do you need a financial plan for your disability that meets your needs?
If you answered yes to any of these questions, you are likely in need of financial assistance.
If you’re not sure if you need help, you can ask for financial assistance from the Australian Government or from your local community.2.
What is the financial assistance you need?
Are you on disability benefit?
Do your benefits apply to your financial activities?
Are there any other support services available to help you with your financial needs?
What is your financial support?3.
What should I do if I can’t find a financial adviser?
If you are an individual who is not eligible for financial support under the Income Support Act 1999 or the Income Assistance (Retirement and Disability) Act 1997, you may be able be referred to an individual advisor.
There are no requirements to have an individual adviser if you can’t access an adviser.
However, if you cannot access an individual, you will need to talk to a financial counsellor.
You can find out more about financial advice and the advisers that can provide financial assistance for people living with disabilities.4.
Is there any contact you can have with a financial advisor to discuss financial assistance?
You can get help from your financial adviser to talk about your financial issues, such as when to ask for help with a loan or if you’re in arrears with a credit card or debt.
If the advice is from a financial provider, the advice provider can provide you with a personalised financial plan and a copy of the financial agreement that is the basis for your financial aid payment.
If you need to contact a financial service provider, you should first get advice from the financial advisor or financial counselled by the financial adviser.
You should also talk to your personal financial adviser (FPO) or financial advisor’s professional adviser (PGO) to find out if they can give you the advice that is best for you.5.
How do I get help with my financial issues?
How do I find out about the financial help I need?
If your financial situation has become difficult or if your financial problems are getting worse, you need assistance to make payments, manage your finances and get on track with your life.
You may need financial counselling.
If your financial advisor is an independent financial adviser or a non-bank financial services company, they can help you to discuss your financial matters with a professional advisor or advisor-in-charge.
If the problem isn’t as serious as you think, you and your financial provider can discuss what you need from the advisor.
Your financial advisor may recommend you a financial help plan or financial assistance that will help you meet your financial obligations.
You’ll also need to decide whether you need other financial help.
You will need a plan for paying off debts, managing your assets and other financial matters.
If this isn’t possible, you’ll need to get financial advice from your personal or family financial adviser before you can access a financial assistance plan or a financial assist.6.
What will happen if I’m unable to find a professional?
If the problems are not as serious or serious as your advisor believes, you’re entitled to financial help and the advisor should arrange for the financial aid.
The advisor will also help you identify other financial services that are available for people on financial support.
You won’t have to pay the advisor’s fees.
If your problem is not as severe as your adviser believes, it may be possible to access a private or other financial adviser who can advise you about your circumstances and arrange for financial help, depending on what the advisor thinks is best.
You and your advisor will need further information about how to apply for financial advice.
If that’s not possible, your adviser can advise about the options available.7.
What if I don’t feel comfortable with a service?
If a financial services provider thinks your situation is too serious to allow financial advice, they may consider the need for a referral to a professional.
If there is no referral option, the financial services professional will talk to you about what can be done.
You are also entitled to get information from the provider about the needs of people with a learning disability.
If a person has a learning disorder, they are more likely to have a different need than people who don’t have a learning problem.
A person with an intellectual disability can’t get financial assistance unless they are in a learning or language impairment condition.
You can also talk with a counseller to find ways to get help if you think there is a need for more financial help than you’re currently getting