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Special Needs Financing

Families who are coping with a special needs child face enormous challenges. These challenges can range from the physical, the emotional, AND the financial. From a physical standpoint, many special needs children struggle to sleep thus making for very taxing sleepless nights for parents who have to handle it. Emotionally, married couples face very long odds against divorce. Statistics vary but approximately 80% of all married couples with a special needs child end in divorce. It is fair to wonder if the inability to access the funds necessary to lessen the challenges brought on by special needs children is a big factor in this.

Many states do not mandate health insurers provide coverage for treatment of many special needs. Take autistic children as an example. Many require, at a minimum, speech, occupational, and physical therapies. Add to this, medication, some of which are extremely expensive and enormous financial strain follows. Particularly in a sluggish economy. For some parents, many of these treatments are simply not an option.

Some parents are also proponents of alternative homeopathic treatments. Although, they are quite different from a mainstream approach as listed above, they are no less expensive and often times more. Many in the autism community believe that the root cause of autism are toxins brought on by immunizations at very early ages.

Whether parents try to attack special needs cases from a main stream or alternative perspective, the costs can quickly balloon into the tens of thousands of dollars. With no insurance to help out, many parents are left out in the cold. Early interventions are critical for these type of children. Do not let an inability to access funds prevent you from getting your child the help they deserve. Prosper is ready and willing to make loans for this purpose.

Some Common Types of Special Needs


Autism Spectrum Disorder (A.S.D.) – group of developmental brain disorders. Diagnosis can run from mild impairment to severe. Many autistic children are non-verbal and this ailment is now afflicting 1 in 88 children.

Attention Deficit Hyperactivity Disorder (AD/HD) – neurodevelopmental disorder in which significant problems of attention, hyperactivity, or impulsive activity occur.

Down Syndrome – genetic disorder caused by the presence of all or part of a third copy of Chromosome 21. Typically associated with physical growth delays, a particular set of facial characteristics, and severe intellectual disability.

Epilepsy – group of long term neurological disorders characterized by epileptic seizures. Cause of most cases is unknown. Controllable but largely incurable.

Spina Bifida -developmental congenital disorder caused by the incomplete closing of the embryonic neural tube. 60% of these children have subsequent learning disabilities.

These are just a few of many various special needs ailments. All of these issues bring on the need for extra medical and developmental attention.

Special needs children generally need some combination of the treatments listed below.

ABA Therapy Costs


One intervention that has been picking up momentum for its effectiveness in helping autistic children and kids suffering from Asperger’s is Applied Behavior Analysis.

Behavior analysis focuses on the principles that explain how learning takes place. Positive reinforcement is one such principle. When a behavior is followed by some sort of reward, the behavior is more likely to be repeated. Through decades of research, the field of behavior analysis has developed many techniques for increasing useful behaviors and reducing those that may cause harm or interfere with learning.

Applied behavior analysis (ABA) is the use of these techniques and principles to bring about meaningful and positive change in behavior. Today, ABA is widely recognized as a safe and effective treatment for autism. It has been endorsed by a number of state and federal agencies, including the U.S. Surgeon General and the New York State Department of Health. Over the last decade, the nation has seen a particularly dramatic increase in the use of ABA to help persons with autism live happy and productive lives. In particular, ABA principles and techniques can foster basic skills such as looking, listening and imitating, as well as complex skills such as reading, conversing and understanding another person’s perspective.

ABA, unfortunately, is a very expensive procedure for parents to provide for their children.

There are several other treatments for special needs children. Just a few of these treatments are listed below.

  • Speech Therapy
  • Occupational Therapy
  • Physical Therapy
  • Social Integration
  • Alternative treatments (Chelation, Hyperbaric Oxygen, Vitamins)
  • Significantly expensive¬†special diets