Will
Insurance Companies Reimburse Me for Remedial Help or Academic Support Outside
of School?
Many hope that
their medical insurance coverage can help lessen the financial burden of
academic support for children with learning disabilities. Study skills, development of cognitive abilities and homework
help outside of school is often necessary for this population.
Although this appears to be a service that should be provided, particularly for
children that have a diagnosis, upon investigation, you will find that this is
not the case. Insurance companies will often accommodate psychological
services, but because tutors, learning specialists and educational therapists,
are trained in education, they don’t have the licensing credentials and codes
needed for insurance companies to foot the bill.
What
Can I Do If I Cannot Afford the Costs of Outside Help?
Before you
disregard this option all together, there is good news. According to the
IRS publication 502, under the heading Special Education, with a doctor’s note,
parents can use medical expense accounts or you can “write off” the costs for tutoring
by a teacher who is trained to work with learning disabilities. You can
even receive compensation for attending a school where the primary reason for
attendance is overcoming a learning disability. In addition, check with
your employer to see if they have any other options. Some large
companies, such as IBM offer financial support for these types of
services.
So
How Do I Decide on the Right Type of Services?
First off, make sure that you have pursued a
comprehensive psycho-educational assessment that offers a diagnosis and a
comprehensive report that discloses the underlying cognitive weaknesses
associated with the learning disability. Then, find a highly-trained
tutor, learning specialist or educational therapist in your area that can offer
the remedial help needed. Be sure to interview each potential
provider, so that you can find the best fit for your child.
Early intervention is key for students
with learning disabilities. If they get the right help and support, some areas
of weakness can be remediated and children can also develop compensatory and self
advocacy strategies that will help them to reach their highest potential.
Cheers,
Dr. Erica Warren, Learning
Specialist and Educational Therapist
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Your article is highly interesting. Thank you Erica!
Please consider § # 1 { 1.1, 1.2, 1.3 }, 2, 3, down below.
#1: On the cost and HOW-TO FINANCE the expense, I rewrite the 3 tacks:
#1.1: Use MEDICAL EXPENSE ACOUNTS: 'Parents can use MEA' (sic).
#1.2: 'WRITE OFF' the cost: 'You can 'write off' the cost for tutoring by a teacher who is trained to work with [ children having ] learning disabilities.' (sic)
#1.3: Receive COMPENSATION: 'You can receive compensation for [your disabed child] attending a [this sort of special] school.'.
Now, could you please...
- Explain #1.1: I have no idea of what a MEA could be.
Is it related with privatly subscribed INSURANCES contracts, or else?
- Precise #1.2: Is it meaning 'Write the expense off the due part to the TAX ON REVENUE' ?
Detail: Is it off the revenue (the basis) or off the due (the tax)? Fully or partly write-off?
[ My turn, I put it that, IN FRANCE, it works alike (and it's not limited to special education) but the 'write off' or refund ON PUBLIC MONEY is limited to a 50% write off on the global expense, and given the parent (the 'employer') has 'declared' the tutor (the 'employee') salary, which gesture involves a 'social charges' 83% additional cost to the global parent's expense.
- By the way, the 'REFUND' system (in case the taxpayer be NON TAXABLE) is in functional in your country?
- Precise #1.3: Who pays this 'compensation'? The public health fund?
#2: On the COST itself: Could you please give me an outlook: -Average tarifs of specialists going on site, -How much it beckons montly to a parent, given there may be several specialists at once on a children. In turn I will let you know same for France, if this interest you. [I have cases among my clientele]
#3: On HOME-STAY casual SCHOOL-SUPPORT: Do you have figures? Do same financial facilities apply as for upper-mentionned 'special education'?
I'm a tutor and e-tutor in math and languages (but not specialized in learning disabilities). scolaire75.blogspot.fr And you may ask for me at my Skype name scolaire75
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Jean-Yves Rollin, tutor and e-tutor, based in Paris, France.
scolaire75.blogspot.fr ; Skype scolaire75
Disabilities can sometimes hinder the child's learning process. In cases like these, you can also hire private tutors who can help your child to study. Tutors are trained to understand your child's needs and inspire them to study more. They can also motivate them to share their knowledge to others. :)
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