DRFM Knowledge-Base

Disability-Related Financial Management Knowledge-Base (DFMKB)

Having a disability can be very costly. Disability-related expenses include:

1. personal assistant services,
2. durable medical equipment,
3. long term therapies,
4. maintenance drugs
5. wage replacement
6. adaptive equipment
7. accessible transportation
8. home accessibility improvements
9. workplace accessibility improvement

Many government and non-government agencies offer disability benefits to pay for these expenses. These disability benefits are often based upon a person with a disability's attributes including;

1. where the person lives (U.S., state, county, city)
2. age (<18, 18-26, 27-64, >64)
3. disability ( developmental disabilities, visual disabilities, deaf or hard of hearing, spinal cord injuries, autism, mental health, cognition, emotional, drug addiction
4. reason for disability (work related, crime-related, military related, accident, birth, genetic, aging)
5. disability onset age (birth, <18, <27, 27-65, >65)
6. work status (never worked, working, “on disability,” retired
7. income
8. assets

Each disability benefits from each agency usually have its own conditions including;

1. Definition of products and services offered
2. Definition of terms
3. Eligibility criteria for beginning to receive a disability benefit
4. Criteria for continuing to receive a disability benefit
5. Application process
6. Reporting requirements
7. Restrictions
8. Exceptions
9. Interrelationships with other disability benefits and agencies

A comprehensive systematic approach is needed to build a Disability-Related Financial Management Knowledge-Base (DFMKB) to understand which disability benefits are available to an individual given his/her needs and attributes, and the conditions under which the disability benefits can be recognized.

Most, if not all, of the information, can be found on websites. Using AI, the Google Search Engine, the Disability Financial Management Forum, and disability benefits subject matter experts, this can be accomplished. Using the DFMKB, providing financial advice to the Disability Community can be a profitable business.

Please let me know if you or anyone you know may be interested in investing and/or managing this exciting endeavor.