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Financing Options for Adaptive Mobility Equipment

Discussing financing options for adaptive mobility equipment for stroke survivorsDriving is a privilege for people stroke survivors with limited mobility; it provides a sense of stability in their lives so they can regain their independence. They love the flexibility their adaptive mobility equipment provides, but they often face exorbitant costs when it comes to financing the purchase of the equipment.

According to The National Mobility Equipment Dealers Association, “The number one reason people with disabilities don’t have access to adequate transportation is because they cannot afford it.” The good news is that funding assistance to purchase adaptive equipment is becoming increasingly available.

Sources of funding determine a person’s “buying power.” Unlike the financing options provided by original equipment manufacturers, Mobility Equipment Dealers, such as Ride-Away and Mobility Freedom, have access to financing options specifically for adaptive equipment purchases; they offer options and solutions for the customer.

Veterans

The Department of Veterans Affairs (VA) offers grants enabling 100% service related disabled veterans to purchase a new or used modified vehicle and adaptive equipment. Automobile grants are available once in the service member’s lifetime and adaptive equipment grants are available for special equipment that may used more than once.  For more information, call 1-800-827-1000 or read the VA’s “Automobile and Special Adaptive Equipment Grants” fact sheet.

State Programs

  • State Vocational Rehabilitation (Voc Rehab) Agencies may be able to assist with the costs associated with purchasing an adaptive vehicle (or adding adaptive equipment to an existing one) if the vehicle is necessary in order for a person to get to and from work.
  • State Assistive Technology Loan Programs may also be able to provide assistance to help pay for modifications to the vehicle.  
  • Center for Independent Living (CIL) can provide additional information on programs that may be available in your state.

Government Programs

  • Medicaid: Medicaid is a jointly administered federal and state program that helps with medical costs for some people with limited income and resources. Medicaid benefits differ by state and are approved on a case-by-case basis when a request for funding is presented through a prior approval.  
  • Medicare: Medicare is a federal program and in some instances they will pay for adaptive equipment following a specialty evaluation performed by a qualified practitioner. For more information, call 1-800-633-4227.
  • Supplemental Security Income (SSI): SSI offers a Plan to Achieve Self-Support program, or PASS, which helps those with disabilities pay for items or services needed to achieve a specific employment goal – to ultimately return to work.  
  • Internal Revenue Service (IRS): Often sales-tax exemptions on equipment purchases and other out-of-pocket costs can qualify for tax deductions as medical expenses. Contact a tax adviser or get literature from the IRS that outlines the tax code for medical equipment by calling 1-800-829-1040 and asking for publications with extensions 3966, 907 and 502.

Workman’s Compensation:

Your insurance or workman’s compensation policies may also pay for vehicle adaptation. Check with your HR department or workman’s comp. organization for more information.

Fundraisers, Charitable Organizations/Churches

These may not be for everyone, but they can be effective and many people have successfully raised the money to pay for a wheelchair accessible vehicle and adaptive equipment using these options. 

Automakers Rebate Programs

Many automobile makers are providing people with disabilities a wide range of rebates and incentive programs to cover adaptive equipment installation. Below is an overview of some programs offering rebates or reimbursements for adaptive mobility equipment.

  • Ford Motor Company: The Ford Mobility Motoring adaptive equipment reimbursement offers up to $1,000 off for a vehicle modification. You may also qualify for up to $200 for alert hearing devices, lumbar support, or running boards installed on any new Ford or Lincoln vehicle purchased or leased from a U.S. Ford or Lincoln dealer during the program period.
  • Daimler Chrysler Corporation: Once you have a 2010-2013 Chrysler, Jeep, Dodge, Ram or FIAT vehicle that fits your transportation needs, contact a reputable and qualified adaptive equipment installer to ensure that it can be adapted to meet your needs.
  • General Motors Company Reimbursement Program:  New vehicle purchasers/lessees who install eligible adaptive mobility equipment on their new Chevrolet, Buick or GMC vehicles can receive up to a $1,000 reimbursement for the cost of the equipment.
  • Toyota: The Toyota Mobility Assistance Program provides cash reimbursement of up to $1,000 of the cost of any aftermarket adaptive equipment or conversion, for drivers and/or passengers, when installed on any eligible purchased or leased new Toyota vehicle within 12 months of vehicle purchase or lease.  

The decision to purchase adaptive mobility equipment stems from a need for mobility freedom for people with disabilities, including stroke survivors. The purchase process begins with selecting a reputable dealer to provide the adaptive equipment and installation, locating options to finance the purchase, and ends with insuring the adaptive equipment.

Make sure the after-market mobility modifications are professionally installed by a NMEDA mobility dealer. Once the adaptive mobility equipment is financed and installed, notify your insurance agent with a full disclosure of all adaptive mobility equipment installed in the vehicle.

Make sure your auto insurance company provides coverage for the conversion and adaptive equipment. Make sure you request coverage for “special” equipment, not just “handicapped” equipment.

  • “Handicapped equipment” covers only basic equipment such as the ramp or lift, not the lowered floor, kneeling system, lockdown system or other adaptive equipment.
  • “Special equipment” covers the conversion in its entirety. Be sure and send your insurance company an itemized list of every modification (which you can get from the mobility dealership that performed the conversion).

NMEDA is an advocate for mobility and accessibility for drivers with disabilities. If you need help with converting or buying a wheelchair accessible car, truck or van, please consider one of the NMEDA mobility equipment dealers. The National Mobility Equipment Dealers Association provides a list of questions to assure the dealer meets the high standards of the NMEDA.

By: Nancy Carey, Sales Consultant, Ride-Away

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"The number one reason people with disabilities don’t have access to adequate transportation is because they cannot afford it."

Professional Resources:

If you think you’re ready to drive again, consulting these professionals could be the next step to getting back on the road.

  • Contact your State Department of Motor Vehicles / Office of Driver Safety. Ask them what requirements apply to people who’ve had a stroke.
  • Have your driving tested by a Professional Driving Evaluation Specialist. This will provide an accurate evaluation of your driving ability.
  • Enroll in a Driver Training Program. For a fee, you may receive a driving assessment, classroom instruction and suggestions for vehicle modifications.
  • Contact a mobility equipment dealer in your area. Browse the Stroke-Network.com directory here for regional listings.
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