Financial Assistance Guide for Individuals and Families in Norfolk, Virginia

In the climate of economic uncertainty, many residents of Norfolk, Virginia can find themselves in financial distress. If you or your family is facing such circumstances, this guide delineates the various government financial assistance programs available, as well as the eligibility criteria and application information. It also lists specific non-profit agencies that can provide aid and offers strategies to help manage and overcome financial need.

Government Financial Assistance Options

There are several programs in place to help members of the Norfolk community.

Temporary Assistance for Needy Families (TANF)

TANF provides financial assistance to families with dependent children when the parents or other relative responsible for the care of the children are unable to provide for the family's basic needs. The maximum benefit is $389 for a family of three. To be eligible, a family must have at least one child in the home under age 18, who is a U.S. citizen, legal alien or permanent resident.

Supplemental Nutrition Assistance Program (SNAP)

Formerly known as the Food Stamp Program, SNAP provides a means for eligible low-income individuals and families to afford nutritious food. The amount of benefits you can receive is based on the U.S Department of Agriculture's Thrifty Food Plan and varies based on household size, income, and expenses. Eligibility is determined by considering the total income and assets of a household. The easiest way to apply for SNAP benefits is online at the Virginia Department of Social Services CommonHelp website.

Medicaid

Medicaid is a health coverage program operated in partnership between states and the Federal government. Medicaid provides free or low-cost health coverage for some low-income adults, children, pregnant women, elderly adults, and people with disabilities. Medicaid programs must meet federal requirements, but they vary somewhat from state to state.

Non-Profit Assistance

In Norfolk, several non-profit organizations are in place to assist residents facing financial struggles.

Norfolk Emergency Shelter Team (NEST)

NEST provides temporary housing and meals to the homeless during the winter months. In addition, they offer links to community resources for long-term assistance. Learn more at the NEST website.

ForKids

ForKids is a Norfolk-based organization dedicated to breaking the cycle of homelessness and poverty for families and children. Services include housing, education and wrap-around services. Reach out to ForKids for assistance or to learn more.

Strategies to Overcome Financial Need

Even with these assistance programs, overcoming financial need is often a long process. Here are a few strategies to consider:

Develop a Budget

Knowing exactly how much money you have coming in and where it’s going can ease your stress and keep you focused. There are several free online budgeting tools that can help with this process.

Consider Debt Counselling

Working with a reputable debt counseling agency can help you address your financial struggles. These organizations can help you manage your debt, develop a budget, and provide educational materials and workshops.

Finding Additional Employment

Taking on part-time work or gig jobs can be a way to increase your household income. Job markets fluctuate, but looking for additional employment might be a viable option.

As a resident of Norfolk, help is available to you during times of financial distress. Taking the first step in reaching out can lead to the assistance you need.