The COVID-19 pandemic has created unique challenges for people with disabilities. Physical health struggles, emotional stress, and financial burdens have become part of daily life for many. If you're looking for ways to manage expenses, government aid, community programs, and title pawn loans can provide valuable assistance.

How COVID-19 Has Affected Disabled Individuals

Limited Access to Health Programs

When the pandemic led to global lockdowns and community quarantines, those with disabilities were unable to get proper medical care. This included physical therapy or speech therapy sessions, homeopathic pain management such as acupuncture, or other specialized programs. If the clinic you used to go to has closed or has shortened its operating hours, talk to your physician about more convenient alternatives. Are there exercises you can do at home?

Also reach out to your disability community, which has been very active in supporting each other during the COVID-19 pandemic. Organizations created information sheets, webinars, video tutorials and other free materials to support persons with disabilities, and their relatives and caregivers.

Social Isolation

Everyone struggled with the emotional effects of being stuck at home the whole day. But for many persons with disabilities, the repercussions were even greater. What if they need someone to help them move around? What if socialization is part of their therapy, such as children with special needs?

To add to this, social isolation can also trigger or heighten anxiety and depression—and all its physical effects, such as insomnia, high blood pressure, panic attacks, etc.

What You Can Do

Find ways to connect to people, either through online communities, or video calls with friends and relatives. Since it’s harder to find physical support, emotional support becomes even more important.

Health Vulnerabilities

Scientists are still doing research on whether or not some types of disabilities increase the risk for COVID-19. However, there are some conditions (or even some types of medications) that can compromise the immune system and increase your risk for “co-morbidities” or health issues that can make any COVID-19 infection potentially fatal. This includes high blood pressure and diabetes.

What You Can Do

Do what you can to improve your health and strengthen your immune system: stick to a proper diet, exercise, have enough sleep.

Financial Assistance Options for Disabled Individuals

Many people with disabilities lost their jobs during the pandemic. But when the disabled need help paying bills, what options are available?

1. Government Assistance

• Veteran disability compensation. This offers financial aid for people who were disabled during active duty. The program fast-tracks approval especially for those who are deemed 100% disabled. This is great news for the disabled who need help paying bills.
• Low Income Energy Assistance Program. When the disabled need help paying bills for heating and cooling, this program can be a great deal. You can apply for it through your local government office.

2. Community Programs

Local churches have limited resources, but they will do what they can for the disabled in need of help paying bills. They may also be able to connect you to people or organizations.

3. Associations

Another option to consider if you’re disabled and need help paying bills, is to look into the disability communities and associations. Contact your specific community about where to get medical subsidies, or organizations that offer part-time work.

4. Emergency Loans for Disabled Who Need Help Paying Bills

For urgent medical expenses or other financial emergencies, people with disabilities can also apply for an instant online title pawn.

What Is a Title Pawn and How Can It Help?

A title pawn is a secured loan where you use your vehicle's lien-free title as collateral. With Alabama Title Loans, Inc., you can borrow up to $15,000 without needing a high credit score or proof of employment.

How to Get an Instant Online Title Pawn

Alabama Title Loans, Inc. also offers instant online title pawn service. It is the easiest, most convenient application process, especially for people with limited mobility.

1. Get Started online. You do not need to go to an office and line up just to inquire. Just find a short inquiry form on our website and fill it out. Someone from the office will call you back shortly to explain more about the process and requirements as well as answer any questions you may have.
2. Prepare the requirements. All you need to apply for an instant online title pawn is a state-issued ID like a driver’s license, your lien-free vehicle title, and your vehicle inspection.
3. Submit requirements. You can either go to the nearest title pawn location (Alabama Title Loans, Inc. has multiple locations throughout the state) or arrange to meet up with the loan representative at a more convenient place for you. The loan representative will verify your documents and check the vehicle to determine the loan amount you qualify for. It takes less than 30 minutes!
4. Get the money. If you are approved for your Alabama title pawn, you will receive your cash either the same or next business day (bank delays may apply).

Why Choose Alabama Title Loans, Inc. for Your Title Pawn?

Alabama Title Loans, Inc. simplifies the application process for people with limited mobility. Our instant online title pawn service ensures fast approvals and quick access to funds, helping you handle emergencies with ease.

Submit Your Inquiry Today!

Unemployment, low credit score, or any physical limitations that would make it difficult to go to an office or get documents should NOT be a factor. Contact us to find out more about how you can get an instant online title pawn by calling us at 800-514-CASH (2274) or submit your inquiry online to get started!

To learn more about handling emergency expenses, read our other financial emergency articles.

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.