Important Financial Considerations for Parents of Disabled Children

Having a child with a disability is both enjoyable and tough. You can love your child and all their uniqueness but still struggle with their care. Apart from the emotional strain of caring for a disabled child, it can also be a financial burden. Children and adults with disabilities often have extra expenses, from transport costs to care. It’s important to consider these costs so that they can be factored into a household budget. You can also look at government benefits or charitable services that might be able to help you. These are some of the financial concerns a parent of a disabled child might have.

Daily Expenses

Every child has daily, weekly and monthly expenses, including food and clothing. However, a child with a disability can have more complicated needs with further costs. For example, they might need medication on a regular basis. They may need accessible transport to get to school or perhaps be on a special diet. These costs can add up and become difficult to deal with for any family. Researching your eligibility for child disability tax credit can provide one solution. It can help to supplement other available benefits so that parents and guardians are better able to care for their child.


Photographer: Steve Ford Elliott


Schooling can often be a major financial concern for parents of disabled children. Many children with disabilities are able to attend integrated schools. However, for others, the resources may be unavailable, or they might not flourish in a standard school. Parents often look at alternative options, such as special education schools or perhaps homeschooling. However, these choices can be expensive and funding them can be difficult. It is sometimes possible to seek funding for school places or related schooling costs. In particular, grants and loans for college education are often available.

Care Needs

Caring for a child with a disability can require more time and effort. It might mean one parent staying at home with their child instead of working. There could also be extra costs to pay for outside care. Some parents may even decide that it is best for their child to be in full-time, live-in care. It can be tough to cover these expenses. However, there are ways to get help. Disability benefits can contribute toward care facilities, respite care, or the costs of being a carer.

Your Child’s Care as an Adult

One of the most difficult things for parents to think about is their child’s future. Many children with disabilities will be able to live independent lives as adults. However, some may never be able to do so. Even those who can be independent could need help getting there or require extra support. If your child will outlive you, you might need to think about the cost of their care in the future. It’s best to plan far in advance so that something is in place.

If you are struggling with the costs of caring for your child, it’s always a good idea to find out what help you can get. Even if you think you are ineligible, you should check to make sure.


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