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Diane DresslerSenior AssociateCommunity Life [email protected]
Exploring Housing Options and Getting Your First Place
People control where and with whom they live.
People live in inclusive communities.
People choose who will best support them to meet their goals and needs.
Environments support the person.
We believe that…
Apply for services Apply for SSI Create a circle of support Establish credit Create a budget Identify financial resources Make a housing plan Find support staff
Laying the Groundwork
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Consider support/service resources• Apply to DDA for services
– “DD” Eligibility• Transitioning Youth funding for DAY services
only• Must demonstrate need for in-home
supports available through the Medicaid Waiver
– “Supports only” eligibility• DDA priorities for services
Developmental Disabilities Administration (DDA) http://dda.dhmh.maryland.gov
Laying the Groundwork – Step #1
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Additional resources for paid supports– Community First Choice:
https://mmcp.dhmh.maryland.gov/longtermcare/SitePages/Community%20First%20Choice.aspx
– MD Dept. of Disabilities Attendant Care Program: www.mdod.maryland.gov
• Natural supports (family, friends, neighbors)
Laying the Groundwork – Step #1
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Apply for SSI one month following the young adult’s 18th birthday
www.ssa.gov
• Benefits Information/Counseling:Local Center for Independent Living (CIL)
• Maryland Department of Disabilitieswww.mdod.maryland.gov/disability%20benefits
%20home.aspx
Laying the Groundwork – Step #2
Form a circle of support• Invite family, support staff, friends and
resource coordinator• Meet regularly to create a person-
centered plan and to talk about how things are going
• Use circle to problem solve
• Keep notes about decisions and check with circle to make sure tasks are accomplished
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Laying the Groundwork – Step #3
Establish credit
• Open a checking/savings account• Apply for credit card, personal loan• Open a cell phone account• Pay for room and board with a check,
obtain a receipt and track payments
Laying the Groundwork – Step #4
www.fdic.gov/consumers/consumer/ccc/establish.html
www.bankrate.com/finance/credit-cards/best-ways-to-establish-credit.aspx
Credit Resources
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Helpful websites for learning to establish credit
Make a budget• List all income• List all expenses• Include savings• Do not exceed the SSI asset and resource
limit ($2,000)
Laying the Groundwork – Step #5
Assess Financial Resources• Special Needs Trust• Long term financial planning• Family resources
Laying the Groundwork – Step #6
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Housing Strategies
Bundled housing and services
• Group home
• Individual family care
• Residential supports through MHA
Housing Strategies
• Must be “DD Eligible”
• Also called Alternative Living Unit (3 or fewer unrelated persons)
• Services are funded by DDA – housing is NOT
• Controlled by service provider (owned or leased)
• Choice limitations– Where to live– With whom to live
DDA - Group Home/ALU
• Must be “DD Eligible”
• Person lives with a caregiver in the caregiver’s home
• Caregiver is trained to provide supports
• Similar to adult foster care
DDA: Individual Family Care (IFC)
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• Medical Assistance number is needed to access resources
• Each county has a Core Service Agency that helps people find resources
http://dhmh.maryland.gov/mha/SitePages/csa.aspx
• Resources– “Navigating the Transition Years”
www.mdtransition.org/uploadedfiles/MHNavigation
– On Our Own of Maryland – statewide self-advocacy and peer support organizationhttp://www.onourownmd.org/msh.html
Residential Supports through Mental Hygiene Administration
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Housing separate from services• Family home
• Rented room, apartment or house
• Homeownership
• Shared home
• Informal arrangement with family or friends
Housing Strategies
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• In-home supports• Natural• Paid
• Environmental modifications• MD Technical Assistance Program www.mdtap.org • Dept. of Rehabilitation Services: www.dors.state.md.us• Dept. of Housing and Community Development:
www.mdhousing.org• Local governments• Creative Housing Solutions, LLC http://gbcchs.com
Family Home
Housing Choice Voucher (Section 8)• HUD Rental assistance program administered by local
public housing agencies (PHA)
• Household pays 30% of income for rent and utilities, voucher pays the rest
• Will provide an extra bedroom (no additional rent) for a live-in care giver if medical documentation supports the need.
• Section 8 Made Simple: www.tacinc.org/knowledge-resources/publications/manuals-guides/section-8-made-simple
Renting
• Apply when young adult is 18
• Apply at the public housing agency where the young adult lives and/or works: – Find your local PHA here:
www.hud.gov/offices/pih/pha/contacts/states/md.cfm
• Provide a secondary contact: family member, resource coordinator
• Identify applicant as a person with a disability
• Notify the housing office of any change in address!
Housing Choice Voucher
Public Housing• Through local public housing agency• Some counties have this, some don’t
Project-based rental assistance• Resources vary by local area• Listed on www.mdhousingsearch.org
Renting
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Area Median Income - Thresholds
1-Person Household
2-Person Household
Jurisdiction Area MedianIncome (AMI)
IncomeLimit30%
IncomeLimit30%
BaltimoreMetro Area $85,600 $18,000 $20,600
Washington, D.C.Metro Area $107,300 $22,550 $25,800
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Weinberg Apartments• $2 million grant from Harry and Jeanette
Weinberg Foundation to State of MD for affordable housing for people with disabilities
• Eligibility– Adults age 18 to 62– Income between 15% and 30% of area median
income (AMI)– In need of permanent supportive housing
• Application– Resource coordinator/case manager/CIL must place
person on registry
Renting
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HUD 811 PRA (Project Rental Assistance)– New program – Registry opens November 3 at
8:00 a.m. • Resource coordinator/case manager/CIL staff
must place person on registry
– Provides rental assistance to people with disabilities with income at or below 30% of median (includes people receiving SSI/SSDI)
– Household pays 30% of income for rent and utilities, PRA pays remaining rent
Renting
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811 PRA Eligible Population
Non-elderly adults between 18 and 62 years of age
Disabled as defined by HUD
Income at or below 30% AMI
Eligible for Long Term Supports & Services through Medicaid or other state funded program
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• Priority populations: People with disabilities who are:– Transitioning from institutions/nursing
facilities– At risk of institutionalization due to housing
situation– Transitioning to independent renting from
ALU/group home– Homeless
HUD 811 PRA (Project Rental Assistance)
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Voluntary Support Services
3 DHMH Medicaid Waivers
Community
Options – adults with
disabilities
Brain
Injury – adults with
TBI
Community
Pathways –
adults with
developmental disability
Medical
Day waiver
Medicaid State Plan Services
CFC MAPC
Behavioral Healt
h
MDOD
Attendant Care Program
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Services must be available, participation is optional
Renting
Affordable “Flat” Rent Programs• A property owner commits to providing a certain number of
units at a rent that is lower than the market rent
• In exchange, owner receives capital dollars, tax credits, or other benefits
• Rent is set at a level affordable to persons in a certain income group (i.e., 30% to 60% area median income)
• Rent payment is established by area median income, not adjusted based on household income
• Find these units in MD under “Recipient Lists and Awards Summaries” at http://dhcd.maryland.gov/Website/programs/lihtc/Default.aspx#recipient
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• Go Section 8www.gosection8.com
• MD Housing Search www.mdhousingsearch.org • Realtors, newspapers, Craig’s List
• Public Housing Authority office (if person has a voucher)
Finding affordable housing
“A change in rules, policies, practices, or services so that a person with a disability will have an equal opportunity to use and enjoy a dwelling unit or common space.”
• Section 504 of Rehab Act• Fair Housing Act• Americans with Disabilities Act
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Reasonable Accommodation
• Examples• Extra bedroom if medical documentation
supports need– Live-in care giver– Medical equipment
• Additional time to transition & find unit
• Adjustment to rent payment standard• Up to 110% FMR without special HUD
permission
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Reasonable Accommodation
JUST DO IT!
Explanation of renter’s insurance: www.mdinsurance.state.md.us/sa/docs/doc
uments/consumer/publications/rentersinsurance.pdf
Renter’s Insurance
• Owning a home does not affect Medicaid, SSI or SSDI benefits!!– Paying roommate is allowed – roommate contribution
cannot be more than an equal/fair share of room and board (mortgage, utilities and food).
• Can be owned by the person or the special needs trust
• Information from SSI: http://www.ssa.gov/ssi/text-living-ussi.htm
• Maryland Homeownership for Individuals with Disabilities Program www.dhcd.maryland.gov/Website/programs/hidp/Default.aspx
Homeownership
Resources– Planning Now (a publication from the MD
Developmental Disabilities Council): http://md-council.org/publications/planning_now.html
– Special Needs Trust: A Guide for Trustees, Administration Manual, 2005 Edition
– Special Needs Alliance: www.specialneedsalliance.org/the-voice/special-needs-trusts-and-home-ownership-a-trustees-concerns/
Special Needs Trust and Homeownership
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Resources• MD Technical Assistance Program
www.mdtap.org • Dept. of Rehabilitation Services www.dors.state.md.us• Dept. of Housing and Community Development
www.mdhousing.org• Local governments• DDA Low Intensity Supports & Services (LISS)
– Up to $3,000 annually– Apply July 1
• Creative Housing Solutions http://gbcchs.com/
Environmental Modifications
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• Kennedy Krieger Resource Finder
http://resourcefinder.kennedykrieger.org
• Technical Assistance Collaborative www.tacinc.org
Additional information…
• National Low Income Housing Coalition http://nlihc.org
• National Resource Center on Supportive Housing and Home Modifications
www.usc.edu/dept/gero/nrcshhm
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Additional information…
• Assistive Technology www.mdod.maryland.gov/MTAPHome.aspx
• Maryland Housing and Disability Services Resource Guide www.kennedykrieger.org/sites/kki2.com/file/housing_resource_2011update.pdf
• Maryland Community Services Locator www.mdcsl.org
Additional information…
• Maryland transitioning youth websitewww.mdtransition.org
• Howard County Department of Housing and Community Developmentwww.howardcountymd.gov/Departments.aspx?ID=2232
Additional information…
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