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What should I do if I'm having trouble paying my mortgage?

The Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA) and U.S. Department of Housing and Urban Development (HUD) have partnered to launch a new mortgage and housing assistance website to help homeowners and renters during the COVID-19 pandemic.

Currently, banks are required to offer flexibility to borrowers who are having trouble paying their mortgage as a result of the COVID-19 crisis. NDI has created a document that offers action steps to help you negotiate with your home mortgage lender.

Contact your home mortgage lender.

Can my landlord evict me if I can't pay my rent?

Federal, state and local governments are taking action to offer relief and, in some instances, this includes helping and protecting many renters. The Coronavirus Aid, Relief and Economic Security (CARES) Act provides certain protections from eviction and late fees due to nonpayment of rent for most tenants in federally subsidized or federally backed housing.

Learn more about protections for renters.

Can the energy company disconnect my power if I can't pay my bill?

Many utilities that sell electricity and gas around the United States are suspending disconnections of customers who do not pay their bills during the Coronavirus crisis, or are being ordered to suspend disconnections by regulators or other government officials. But this varies by state and locality.

Learn what’s happening in your area.

What should I do if I have experienced housing discrimination during the COVID-19 pandemic?

Federal fair housing laws protect people from discrimination, including harassment and intimidation, in housing and related services on the basis of race, color, religion, national origin, sex, familial status and disability. Laws prohibit discrimination in nearly all housing transactions and residential settings across the nation, including rental housing, nursing homes, permanent shelters and other places where people live and receive services together.

If you feel you have been a victim of discrimination, this document linked below provides information about your rights during the COVID-19 pandemic and explains how to file a complaint.

Will the stimulus payment, or the extra unemployment payment of $600 per week, change my HUD assistance?

Explore HUD guidance for renters and homeowners.

How can I find free food assistance near where I live?

Feeding America is the nation’s largest domestic hunger relief organization and provides a tool to help locate a food bank in your area. Enter your zip code in the box and the site will show you the location, opening times and contact information for food banks near you.

Before visiting your food bank location, contact the food pantry by phone and/or email to verify that their information is correct and receive any updates.

How do I see if free or reduced-priced meals are available for my child?

With schools closed during the COVID-19 pandemic, children who rely on free or reduced-priced meals at school may be able to continue to get meals that they would have normally received at school. USDA has put together a USDA Meals for Kids Site Finder.  Families can use this tool to find directions to nearby sites as well as hours of operation and contact information. Rules vary by location but generally meals may be taken home, and parents or guardians may pick meals for their children if the state allows.

Check out the link below to find meals for kids. USDA also provide a National Hunger Hotline and can be reached Monday through Friday between 7 a.m. to 10 p.m. at 1-866-3-HUNGRY (1-866-348-6479) or 1-877-8-HAMBRE (1-877-842-6273) [Spanish].

What is covered under Medicaid related to COVID-19?

Medicaid and CHIP provide benefits to people who are determined eligible by states. Some benefits are required and some are optional. For information on benefits offered in your state, where to access services and how to apply for coverage in your state, see Medicaid.gov.

Take Action: If you receive Medicaid or CHIP review the fact sheet and and contact your state’s Medicaid program for additional details.

I bought my health insurance through the Marketplace. What will it cover? How do I get coverage?

All Marketplace plans cover treatment for pre-existing medical conditions and can’t terminate coverage due to a change in health status, including diagnosis or treatment of COVID-19. While your coverage benefits will remain the same, you should log in to update your Marketplace application if COVID-19 impacts your income or household. You may be able to change your plan if certain situations apply.

If you do not have medical insurance sign up for a plan now. This resource below links to your state program.

I did not previously enroll in Medicare, but I need to enroll now. Where do I find information?

The National Center on Law and Elder Rights has released new COVID-19 Medicare Enrollment Information. Because of the COVID-19 crisis, people who are eligible for Medicare may need to enroll in coverage for the first time. This includes people who have lost employer-based coverage and people who missed other enrollment periods. Other individuals who are already enrolled in Medicare may need to switch Medicare Advantage or Part D prescription drug plans to better meet their needs.

Explore Medicare open enrollment options during COVID-19.

What are some options if I lose my health insurance during COVID-19? Is there someone to help me to understand my options?

It is important to have health insurance coverage during the pandemic or find a program you are eligible to enroll in, particularly if you have a disability or other chronic health condition. In most cases, you should be able to complete one application to find what’s available through the health insurance exchange. And, if you need help, there are navigators or certified application counselors affiliated with local nonprofits to help you.

Find help if you’ve lost your health insurance.

How can I get medical care while maintaining social distancing?

Learn more about telehealth services as an option to maintain medical care while social distancing.

Are there any resources available to obtain free or low-cost health and dental coverage for children and teens?

Learn more about possible assistance with health and dental services for your children in your state.

Are there any resources available to provide free counseling and emotional support?

There are a variety of help lines which provide support in a variety of ways. Many provide support 24/7 via telephone and some use private messaging, TTY or help in Spanish.

Find free counseling and emotional support.

As a result of the pandemic, I feel stressed and need tips or actions I can take to help me to feel better and more in control emotionally. Can you help?

You are not alone in finding these times stressful. Getting our lives back into a comfortable routine takes time. Review how you may be feeling and which actions on the checklist you can do now to feel more in control. If you cannot do it alone, there are resources to help you!

Each positive action you take can help you feel better and more in control.

I have issues wearing a face mask due to my disability. What are my rights under the ADA?

Some states and local governments are requiring the use of face masks when in public spaces. Wearing a face mask is one way to slow the spread of COVID-19, but wearing a face mask may be difficult for some people with a disability.

The Southeast ADA Center has created a fact sheet to answer questions about wearing face masks and the legal rights that a person has under the Americans with Disabilities Act (ADA).

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Employment + Unemployment

COVID-19 Stimulus

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Managing Money

National Disability Institute
AFCPE
LifeCents
Wells Fargo Foundation

The Financial Resilience Center was developed by National Disability Institute with generous funding from the Wells Fargo Foundation.

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