Cochran Firm's Helping Hands Blog

physiciansCan I Keep My Insurance Coverage?

Many people with disabilities have questions about keeping their current insurance coverage after January 1, 2014.

After January 1, 2014 every citizen of the United States will be required to have health insurance. The frequently changing mandates and confusing instructions have left many people wondering if their current insurance coverage complies with the Health Care Reform Act. Mega Life and Health Insurance put together a comprehensive fact sheet explaining the rules concerning a person keeping their current coverage (

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Nami Walks are held around the country to help raise mental health awarenessNAMI Walks Coming Soon

NAMI Walks are fundraisers to raise awareness of mental health issues.

Dothan, AL – The National Association on Mental Illness (NAMI) has held walking fundraisers for the past 11 years, becoming instrumental in raising awareness of mental health. The walks show support for people who have mental illnesses and are helping to change the way mental illness is viewed in the United States.

Some studies have shown that one in four adults, or almost 60 million Americans, suffer from some type of mental illness. The World Health Organization reports that mental disorders are the leading cause of disability in the U.S. Mental illness affects all ages.

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Find benefitsGovernment Benefit Finder

The Government Benefit Finder help people find government benefits that may be available to them.

There are hundreds of benefits supplied by both the government and private entities available to people depending on the individual’s specific needs and circumstances. Sometimes finding benefits can be hard to do and extremely time consuming. Using the federal government’s benefits finder makes the task much easier as a list of benefits can be displayed within one or two minutes.

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file000914903923Utility Bill Assistance Programs in Alabama

This article highlights various public assistance programs offered to Alabama residents for utility payments.

Alabama residents who find themselves strapped for cash or unable to pay their utility bills have several options available to help. The federal government, the State of Alabama and the utility companies offer several assistance programs.

The largest program in Alabama is commonly known as LIHEAP. It is funded by a grant from the U.S. Department of Health and Human Services. In 2013 Alabama was awarded about $47 million to help low income residents who were 150% of the poverty level. The average assistance in 2009 was $348 and almost 110,000 families were helped during 2010. People who feel they may qualify for LIHEAP assistance should contact their local utility company to be directed to the agency in their area that oversees the program.

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house-1Home Ownership Options Without HUD

People with disabilities have options to assist in home purchases.

Although the federal government provides a home purchasing option through the Housing and Urban Development’s (HUD) Section 8 program, not everyone qualifies, the wait time for a housing voucher can be several years and some local Public Housing Authorities who oversee the program do not participate in the homeownership program. People with disabilities and who also have low or moderate incomes have other home ownership options they may not be aware of.

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