Understanding Your Financial Assistance Options in Hawaii

Life is full of uncertainties, one of which is financial hardship. Individuals and families living in Hawaii who find themselves in financial need, regardless of the reason, can turn to several government financial assistance options and non-profit agencies. This article lists those options, their eligibility criteria and how to apply.

Government Financial Assistance

The Hawaii government provides several financial assistance options to help its residents through difficult times. Depending on your specific needs and circumstances, you might be eligible for one or more of the programs listed below.

Temporary Assistance for Needy Families (TANF)

This program provides temporary financial help to low-income families with dependent children. To be eligible, you must be a U.S. national, citizen, legal alien, or permanent resident, and have low or very low income. You can apply online or in person at the local Department of Human Services office.

Supplemental Nutrition Assistance Program (SNAP)

This program provides funds to buy groceries and help feed your family. Eligibility is determined by your household's income and assets. Applications can be submitted online or in person.

Medicaid

Medicaid provides health coverage for some low-income people, families and children, pregnant women, the elderly, and people with disabilities. Applications are accepted online or in person at the Medicaid office.

Government Subsidies

Gaining access to government subsidies can also help ease financial burden. These include housing assistance such as the Section 8 Housing Choice Voucher program and Low-Income Home Energy Assistance Program (LIHEAP), which helps households with their energy bills and energy crises. Your eligibility for subsidies is calculated based on income, and application can typically be done in person or online.

Non-Profit Agencies

Aside from government programs, several non-profit agencies in Hawaii also assist individuals and families in need. Catholic Charities Hawaii provides a wide range of social services. Hawaii Food Bank offers food to individuals and families who are hungry. The Salvation Army provides services such as food distribution, disaster relief, rehabilitation centers, anti-human trafficking efforts, and a wealth of children's programs.

Strategies to Overcome Financial Hardship

In addition to these resources, there are also several practical strategies you may consider to overcome financial hardship:

• Taking on temporary or part-time work: If you can manage it, consider supplementing your income by taking on a part-time job or doing freelance work.
• Implementing a budget: Budgeting helps you keep track of your finances. It might help you recognize where you can cut back and save.
• Downsize: Whether it's a move to a smaller home or selling off unnecessary items, downsizing can provide extra funds.
• Seek financial advice: Many organizations provide free or low-cost financial counselling.

Financial hardship is a distressing experience. However, awareness about the support and resources available can help lift the burden of financial insecurity. Everyone's situation is unique, and it pays to investigate each available option and apply to any that you may qualify for. Remember, asking for help is not a sign of weakness but a decisive step towards reclaiming your financial independence.