Financial Assistance Resources
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Financial Assistance Resources
The Pet Fund wishes to provide our applicants for funding with every possible resource with which to develop financial independence. The Pet Fund is not responsible for the outcome of any involvement with any financial service associated with our website, but we do welcome you to make responsible decisions about which services might be appropriate for your individual financial situation. While the staff of The Pet Fund is unable to advise you regarding financial matters, we do encourage you to explore positive solutions to avoid future fiscal crises. The following are services which may be helpful to you to develop your financial resources.
The following resources may be helpful solutions for financial difficulties:
Ask your veterinarian about setting up a payment plan for the needed medical treatment.
Register with a local temporary agency
to obtain employment on a “temp” basis, or to pick up a part-time or second job to generate additional income.
Exchange services with family, friends or neighbors—for example, doing home repair,
babysitting, or cleaning in exchange for payment for needed veterinary care.
Hold a garage sale to get rid of unused or unwanted appliances, furniture,
Ask your credit card companies for an increase in your available credit.
Consider meeting with a credit counseling service if your credit rating is
poor, or you have too much credit debt, to reduce your debt and arrange an affordable payment plan.
Consider consolidating your credit debt into a single loan, or
refinancing your home to lower your total debt/monthly payment amount.
Apply to your bank or credit union for a short-term loan.
Inquire about your retirement account or other tax-sheltered account, to find
out about penalties for early withdrawal of funds or increase in monthly dividends.
Temporarily reduce the amount of your paycheck going to employer contribution/retirement
accounts if you are currently employed.
Evaluating your monthly budget can be useful - cutting “extras” like cable television fees, eating out, etc. can add up quickly.
Make a list of essential needs; then temporarily cancel all extra expenditures.
Sell unwanted items of value on an internet auction site.
If you are employed, consider using a cash-advance service. Please be aware
that some of these agencies charge outrageous interest rates, so be cautious using these types of services.
If you are unemployed, contact your local Employment Development Department to see
if you qualify for benefits, including unemployment insurance, disability benefits, and employment assistance. Many EDD
offices also offer paid training in a variety of fields which may help you to find both training and employment
in a new field.
Check online employment sites for new job openings and opportunities. Updating your resume
and gathering letters of recommendation from previous employers and associates will help you in your job search.
Call businesses in your area to inquire about any positions which may be open. Networking with
your friends and family may also help you to find out about employment opportunities.
If you have to move or find an apartment with your dog, advice from Barbara Corcoran on getting approved:
Finally, the following are resources which may be helpful both to deal with financial crises and
to plan for the future. Consider meeting with a financial planning firm, credit counseling agency, insurance broker, or retirement
planning service to design realistic budgets and goals for the future which will enable you to become financially independent.
Set up a savings account to plan for all future emergencies, including veterinary care. Ideally
you should be able to save at least 10% of your monthly budget for this account.
Consider veterinary insurance – there are several pet insurance programs available nationally. Many
of these plans are very affordable and will enable you to avoid future financial crises involving veterinary care. However, coverage
is limited and these programs will not substitute for having a savings account in place.
Budget a monthly allowance for preventative veterinary care.
Regular "well-pet" checkups and good preventative care practices will help avoid medical crises for your pet in future.
The following links may be useful resources for emergency financial
assistance and access to health care services.
Women, Infants & Children: WIC provides Federal grants to
States for supplemental foods, health care referrals, and nutrition education
for low-income pregnant, breastfeeding, and non-breastfeeding postpartum women,
and to infants and children up to age five who are found to be at nutritional
Food Stamps: Food Stamps help low-income people buy food.
Although it is a federal government program, it is run by state or local
agencies. For information about applying, click here:
Avoiding Foreclosure: Federal programs which help with
assistance in avoiding foreclosure:
National School Lunch Program:
Temporary Assistance For Needy Families (TANF):
Medicare/Medicaid Eligibility Information:
http://www.medicare.gov/default.aspx; and http://www.medicare.gov/Publications/Pubs/pdf/11306.pdf
The Salvation Army offers programs to help with utilities
and housing nationwide:
Social Security and Supplemental Security Income disability
programs are two Federal programs that provide assistance to people with
CareCredit is the nation’s leading patient client plan. With CareCredit you can finance 100% of your vet care and there are no upfront costs, no annual fees, and no pre-payment penalties. So, you can begin treatment today and conveniently pay with low, monthly payments.
CareCredit offers several payment plans so you can find one that works best for you. With the popular No Interest Payment Plans* there are no interest charges if you pay your balance in full within the specified time period. Monthly payments can be as low as 3% of your balance. For treatment plans from $1,500 to $25,000, CareCredit offers 24, 36, and 48 month plan options with low monthly payments available.
CareCredit can be used for pet supplies, ongoing, or emergency treatment without
having to reapply. And by using CareCredit for your pet's health, you can save
your other credit cards for household or unplanned expenses. It only takes a few
minutes to apply for CareCredit and you'll receive an online decision in
LendUp Instant Loans is a trusted San Francisco-based lender dedicated to helping Californians meet their
short and long term financial needs. At LendUp we understand that a pet’s immediate medical
needs come first, which is why we offer instant decisioning on loans of up to $250 for 30
days, and offer proven borrowers up to $1,000. In the long term, LendUp helps its customers
build credit so that they can better weather future financial emergencies.
Applying for a LendUp Instant Loan is a simple, safe, and fast process. You find out instantly if you
are approved for a loan, and we have a California-based customer service team standing by should
you have questions along the way.
LendUp has been featured in publications such as CNN, TIME, NPR, and is a trusted lender
to thousands of Californians just like you.
Find out more or apply now at:
- Navigating Medicare and Medicaid, 2005 - A Resource Guide
for People with Disabilities, Their Families, and Their Advocates,
February 2005. An invaluable resource guide for persons with
disabilities covering all aspects of Medicare and Medicaid. Reprinted
with permission of the Henry J. Kaiser Family Foundation.
- Keeping Medicare and Medicaid When You Work, 2005 - A
Resource Guide for People with Disabilities, Their Families, and Their
Advocates, February 2005. A companion resource guide to
Navigating Medicare and Medicaid 2005. A critical tool for persons
or families who need information about guidelines for Medicare and
Medicaid while maintaining employment. Reprinted with permission of the
Henry J. Kaiser Family Foundation.
California Department of Social Services Assistance Dog Special
Allowance (ADSA) Program. The Assistance Dog Special Allowance (ADSA)
Program provides a monthly payment of $50 to eligible persons who use a
guide, signal, or service dog to help them with needs related to their
physical disabilities. The allowance is to help pay the costs of food,
grooming, and health care for the dogs. This program, available to
residents of California, will provide these funds monthly toward the care of
registered service dogs. Phone: (916) 657-2628
- The Assistance Dog United Campaign. Operated in association
with The Assistance Dog Institute, this nonprofit helps people with
disabilities find funding to purchase service dogs.