智力和发育障碍儿童的父母之间的财务规划
Rumi Agarwal1, Laura M Heron2, Shanna L Burke3
1Rumi Agarwal, FIU Embrace, Florida International University.
Intellectual and developmental disabilities
|June 11, 2023
概括
智力和发育障碍 (IDD) 儿童的父母面临财务压力,但未充分利用财务规划和像ABLE这样的账户. 存在障碍,需要改变政策和计划,以提高这些家庭的财务安全.
科学领域:
- 关于残疾人的研究.
- 家庭财务规划 家庭财务规划
- 公共政策 公共政策
背景情况:
- 智力和发育障碍 (IDD) 儿童的家庭经历了重大的经济困难.
- 财务规划和使用专业账户 (例如,实现更好的生活体验 (ABLE) 账户) 可以减轻财务压力.
- 有证据表明,残疾人银行账户使用率较低,但在患有残疾儿童的家庭中没有专门研究过这一点.
研究的目的:
- 检查养育IDD儿童的父母的财务规划和账户利用经验.
- 找出阻碍参与财务规划和利用金融工具的障碍.
主要方法:
- 一项涉及176名患有IDD儿童的家长的横截面研究.
- 收集关于财务规划行为,银行和储蓄账户 (包括ABLE账户和特殊需要信托) 的使用情况以及感知到的障碍的数据.
主要成果:
- 父母对孩子的财务未来表示严重的担忧.
- 尽管有担忧,但父母对财务规划的参与度较低.
- 对于ABLE账户,支票/储蓄账户和特殊需要信托基金的利用率特别低.
结论:
- 存在一种悖论,即IDD儿童的父母担心财务问题,但没有计划或利用可用的财务工具.
- 程序和个人障碍严重阻碍了财务规划和账户利用.
- 研究结果表明,需要有针对性的干预措施,计划调整和政策考虑,以支持IDD儿童家庭的财务福祉.
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