Curriculum Money Planning with a Disability
Money Planning with a Disability
Practical money know-how for people with disabilities and their families in India - the extra costs of disability, the UDID card, tax relief, ADIP, pensions, scholarships, jobs, insurance, guardianship and planning for the future.
- The Extra Cost of Living with a Disability Why disability usually raises a household's living costs while often lowering its income, and why good money planning matters so much. 📄 Read-aloud
- The UDID Card and Disability Certificates How the Unique Disability ID card works, why the 40 percent benchmark matters, and how the certificate unlocks almost every benefit. 📄 Read-aloud
- Tax Relief: Sections 80U, 80DD and 80DDB How Indian income tax law gives fixed deductions to taxpayers with disabilities and to families supporting a dependant with a disability. 📄 Read-aloud
- ADIP and Getting Assistive Devices How the government's ADIP scheme provides free or subsidised aids and appliances, and other ways to fund assistive devices. 📄 Read-aloud
- Disability Pensions and State Allowances How the national disability pension and state disability allowances work, who qualifies, and why amounts vary so much between states. 📄 Read-aloud
- Scholarships for Students with Disabilities The national scholarships, reservations and exam accommodations that help students with disabilities study from school to university. 📄 Read-aloud
- Money Planning with a Disability: Checkpoint 1 Quick checkpoint - five questions on disability costs, the UDID card, tax relief, ADIP and scholarships. 5 questions
- Jobs, Reservation and Workplace Rights How job reservation, reasonable accommodation and anti-discrimination rules help people with disabilities earn a living. 📄 Read-aloud
- Loans and Self-Employment How concessional loans from NDFDC and other schemes help people with disabilities start businesses and become self-employed. 📄 Read-aloud
- Health Insurance and the Niramaya Scheme How people with disabilities can get health insurance, including the National Trust's Niramaya scheme and government schemes such as Ayushman Bharat. 📄 Read-aloud
- The National Trust Act and Legal Guardianship How families of adults with intellectual and developmental disabilities can arrange legal guardianship to manage money and make decisions. 📄 Read-aloud
- Planning a Dependant's Future: Wills, Trusts and Family Pension How parents can secure lifelong financial support for a child with a disability through wills, private trusts, insurance and family pension rules. 📄 Read-aloud
- Travel Concessions and Everyday Savings The railway, bus and other concessions available to people with disabilities in India, how to claim them, and a recap of the whole module. 📄 Read-aloud