How to Afford Family Caregiving, Part 3: Offset Some Costs of Caregiving

Being a family caregiver can be financially stressful. In addition to taking on the costs of caring for a close friend or family member, caregiving may make it difficult to work at a full time job. Caregivers may struggle to stay employed and be financially stable. This tip sheet is Part 3 of a series with information to help family caregivers with the financial side of caregiving.

Ways to offset some costs of caregiving:

If you care for another family member’s children, or the children of a close family friend (Kinship Care), you may qualify for benefits and resources through Washington’s Aging and Long-Term Support Administration (ALTSA). Childcare and financial help are two possible benefits, and a Kinship Navigator can tell you which benefits you are eligible for and help you apply.

  • This applies even if you are an informal kinship caregiver who is not a legal guardian or if you have not been appointed as a child’s foster parent.

Benefits: Local and state agencies can help with benefits you or the person you care for may qualify for, like financial support, services, or lower cost options.

  • Call Community Living Connections at 1-844-348-5464 to ask for assistance as an unpaid family caregiver.
  • 211 Washington (click on link OR phone 2-1-1) can also help you connect with state and local agencies.

Tax credits that refund some expenses of paying someone to care for a dependent family member while you work or are looking for work:

Caring for a veteran

Veterans Affairs offers different programs which support family members caring for a veteran. Some offer training and a wide range of supports such as peer mentor support (a caregiver who has ‘been there’ and can help you navigate caregiving), one-on-one or group coaching sessions, resource referral, and respite care. Learn about the different benefits at US Department of Veterans Affairs VA Caregiver Program.

One program offered through Department of Social and Health Services, and funded by the Veterans Administration, is Veteran Directed Care. This program may allow the family caregiver to be paid for caregiving work.

Getting Paid for your work as a family caregiver: If the family member or friend you care for qualifies, this may be an option for you.

Department of Social and Health Services (DHSS) -includes Developmental Disabilities Administration (DDA):  To be a Paid Caregiver for a Family Member or Friend

An exception to this is if the person needing care is using Veteran Directed Home Services.

To find out if the family member or friend is eligible:

To apply to be a paid caregiver for a family member or friend (Individual Provider) you can complete the CDWA application to begin the hiring process at any time. More information on the CDWA hiring process: see this Individual Provider Hiring Guide.

Get financial or volunteer assistance for other people to do caregiving tasks:

How to Afford Family Caregiving, Part 2: Job Flexibility

Being a family caregiver can be financially stressful. In addition to taking on the costs of caring for a close friend or family member, caregiving makes it difficult to work at a full time job. Caregivers may struggle to stay employed and be financially stable. This resource discusses job flexibility and possible options for getting paid for what you do as a family caregiver.
Job Flexibility:

Family caregivers can discuss several options with their employer that can make it easier to keep employment: flexible hours, remote work, job-sharing, or per diem work (by-the-day or on-call work). Not all employers will be open to these options, and family caregivers need to know that job-sharing and per diem work can cut down on the number of hours they will work and result in lower income. Important benefits like health insurance may not be available with job-shares and per-diem.

When looking for work, family caregivers can put an emphasis on finding an employer that will honor their work as a caregiver by allowing the options above. One course of action is looking for work for a non-profit, where employees and management know first-hand how vital unpaid caregivers can be for the safety and stability of those who need care.

The Nonprofit Association of Washington has a non-profit job page that can help.

Idealist.org, a 502(c)3 nonprofit, is a site dedicated to listing nonprofit and volunteer employment. Job listings can be filtered by location preferences, on-site or remote and hybrid work (part time on-site, part-time remote). Jobs may be full time or part time. Salary ranges are listed and organization information is included.

Flexjobs lists flexible jobs at both for-profits and nonprofits. It requires a paid subscription and states that it screens for scams.

An alternative to traditional workplaces that many caregivers have embraced is gig and freelance work. Gig work can be done with a single company or service or with several companies as freelance work. Well-known gig work employers include companies such as UberInstacartDoorDash, and Rover. These positions let caregivers decide their own hours. A smartphone and a car are required.

Freelance work is a bit different, with the companies and/or individuals that you work for changing regularly. Several websites cater to freelancers, such as fiverrtaskrabbit, and upwork. Flexjobs, noted above, also has freelance job offerings on its site.

Native Americans with Disabilities in Washington State may be eligible for Tribal Vocational Rehabilitation Services

Vocational Rehabilitation (VR) is a service provided to help someone with a disability get ready for work, access a job, maintain a job, and more. The right to VR services is guaranteed under federal law, the Rehabilitation Act of 1973, which grew from regulations in place since the Smith-Fess Act of 1920 established the first employment protections for people with disabilities.

The right to Tribal Vocational Rehabilitation (TVR) is newer and offers an option for some people who are members of a federally or state-recognized Native American Tribe.

Washington State’s Department of Services for the Blind (DSB), which offers VR to individuals who are blind or visually impaired, maintains a website page to help people find and contact Tribal Vocational Rehabilitation Organizations in many regions of Washington State.

Washington’s Division of Vocational Rehabilitation (DVR) also maintains a website page to help clients find information about Tribal Vocational Rehabilitation Programs.

TVR provides culturally supportive services

Tribal VR can provide services that are culturally supportive. Federal law (34 CFR, Subsection 371.41) allows AIVRS projects to include “expenditures for services reflecting the cultural background of the American Indians being served, including treatment provided by native healing practitioners who are recognized as such by the tribal vocational rehabilitation program when the services are necessary to assist an individual with disabilities to achieve his or her vocational rehabilitation objective.”

Christopher Zilar, who directs the Spokane Tribe Vocational Rehabilitation Program, provided information for this article. He shares an experience to help spread understanding about what cultural awareness can look like:

“In one case, a client felt the need for healing for his addiction to alcohol. His TVR counselor was able to set him up with a locally known spiritual healer. The counselor was able to provide smudge. Lastly, when the client asked the counselor to pray with him, the counselor was able to do so. This was a perfectly acceptable approach to helping the client stay on track with his employment goal, and yet not something one would experience in a traditional DVR setting.”

Washington is a leader in providing TVR Tribal Vocational Rehabilitation was not built into federal disability protections until 1992, when a section of the Rehabilitation Act was amended to establish American Indian Vocational Rehabilitation Services (AIVRS), which serves 91 programs in 25 states. The states with the most AIVRS programs are Alaska (12), Washington State (11), and Oklahoma (10). For a United States map and further information, visit aivrttac.org.

Below is a map that shows many of the tribes in Washington State. Of 574 federally recognized tribes, 29 are in WA State. Many of the state’s larger tribes have their own VR programs, and some smaller tribes belong to a cooperative of tribes that serve a sizeable area. Many AIVRS projects will serve members of any federally or state-recognized tribe.

List of Indian reservations in Washington

Historical Note: The long process that resulted in the establishment of AIVRS began in 1972, when Navajo Nation requested funds and authority from Arizona State Department of Labor to provide VR services to their tribal members.

As part of federal disability rights and protections, AIVRS programs now function much like state-run VR programs. Eligible participants build a plan for employment, and VR services are individualized to meet the person’s interests, strengths, and goals.

Here are a few unique aspects of AIVRS:

  • State-run programs, such as Washington’s DVR, are guaranteed funding and federal dollars fluctuate based on the state’s population. AIVRS projects must apply for five-year federal grants, and dollars are awarded for the grant period based on the application. An AIVRS project must re-apply every five years and is not guaranteed a grant.
  • Unlike programs that are contained within state borders, AIVRS projects may define their own service areas that consider reservation boundaries and/or ancestral lands. Service areas may overlap and clients living in areas where programs overlap may be served by overlapping programs. 
  • AIVRS projects only serve American Indians who are members of a federal or state recognized tribe.

TVR is unlikely to put you on a wait list

Order of Selection refers to a waiting list that goes into effect when there aren’t enough VR resources to meet the need. Washington’s DVR often operates with an Order of Selection process, which organizes applicants based on the severity of their disability condition and when they applied.  

Order of Selection is extremely rare among AIVRS projects, with no AIVRS projects in Washington State operating with a waiting list in Summer 2022. Tribal clients waiting for services from state agencies can request help from AIVRS, and professionals working for the state also can refer tribal clients to AIVRS.

Cultural awareness is key

The impetus for Navajo Nation to begin their own project 50 years ago remains the same for many today. AIVRS project counselors often live and/or work on the reservation. They understand the public transportation challenges their clients face. They know the local entertainment, shopping, social service, and employment opportunities that are available to their clients. Most importantly, they have a better idea of what cultural needs their clients might have.

For example, one TVR specialist recalls an appointment he supported for a Native client when an uninformed VR counselor attempted to show respect by discussing the local Pow Wow and said, “I really love the costumes you wear during the dances.”

The AIVRS counselor was able to correct the error and support the Native client by clarifying that Native Americans dance attire is not a costume: “What they wear is sacred, admired, maybe passed down through many generations. We call them regalia.” 

To learn more about Tribal rights under the Rehabilitation Act of 1973, as amended, search for “Tribal” throughout a downloadable transcript of the law.

COVID-19 and Disability: Access to Work has Changed

By Kyann Flint

The world of work is generally not built for the disability community. Federal laws guarantee the right to work and the right to accommodations, but modern-day jobs do not always give each person an opportunity to succeed. Many workers with disabilities must try harder to make the job fit, and some employers see accommodations as extra expenses or special rather than an investment for equal opportunity.

I have experienced this firsthand. My first employer told me that because of my legal blindness, he did not know what he would have me do. No empathy. No innovation. No Universal Design.

Universal Design is a plan for buildings, products, or environments that are accessible to all people, regardless of age, disability, or other factors. Universal Design accommodates everyone, reducing the need for anyone to need or request accommodations. My own opportunity to build a career was boosted by having a boss who is also disabled at an agency that incorporates Universal Design into our everyday work.

COVID-19 has reshaped many jobs and created opportunities for employers to see how Universal Design can benefit everyone. For example, the disability community has long advocated for work-from-home. Until organizations were driven by the need to keep everyone safe, the request for this accommodation did not seem like a good choice for many employers. Many now see the benefit of a work-from-home option.  

Because I cannot drive, working from home benefited me before the home office became common during COVID-19. My colleagues and I were already comfortable with Zoom and knew how to help our community adapt to using that online meeting platform and other tools to support the need for almost everyone to work from home.

Clearly, working from home is not just a disability accommodation but also provides access to jobs for more people. This change represents a benefit of Universal Design.

Curb cuts are another example of Universal Design. Curb cuts are built with wheelchair accessibility in mind, but they benefit everyone, making it easier for parents with strollers, people with leg injuries and anyone who might trip or fall because of a misstep over a curb. Ramps, elevators, and accessible websites are other examples of innovations that support everyone.

Better access for everyone means fewer people need to ask for accommodations. People with disabilities feel included. In a world built with Universal Design, disability is not a problem. When society gives people with disabilities access to work, we are all better off.

A lesson learned during COVID-19 is that accessibility is an investment, not an expense. Universal Design an everyday thing that creates equity and inclusion for all.

About the author: Kyann Flint, Director of Accessibility for Wandke Consulting, is a passionate advocate for the disability community. As a person with a disability, she strives to educate society on how social barriers, like ignorance and stereotypes, limit the disability community. Kyann loves coffee and travel.