Guide to Financial Assistance Options in Delaware

If you are an individual or family residing in Delaware and are experiencing financial hardship, there are several government assistance and subsidy programs available to help you get back on your feet. These programs aim to ensure that every Delaware resident has access to essential needs such as food, housing, healthcare, and education. This article will outline the main financial assistance programs available, the eligibility criteria, and how to apply.

Government Financial Assistance

Here are some primary government assistance programs available in Delaware:

Delaware's Assistance Programs (DSS)

The Delaware Department of Health and Social Services (DHSS), Division of Social Services (DSS) provides a range of assistance programs to address various needs. These include Temporary Assistance for Needy Families (TANF), General Assistance, food benefits (SNAP), and emergency assistance among others. Eligibility for these programs is generally determined based on income, assets, and residency status. You can apply online through the Delaware Assist website or visit the local DSS office in your county.

Delaware State Housing Authority (DSHA)

DSHA offers rental assistance programs such as Section 8 Housing Choice Voucher and Public Housing programs for individuals and families with limited income. Additionally, they also provide homebuyer programs for first-time buyers. Eligibility is based on income and family size, and applications are accepted through their website or local offices.

Low Income Home Energy Assistance Program (LIHEAP)

LIHEAP helps low-income households with their home energy bills. The program provides financial assistance to manage energy costs and weatherization services to improve energy efficiency. Income and household size determine eligibility, and you can apply at your local Energy Assistance Office.

Non-Profit Agencies

Several non-profit organizations in Delaware also provide various forms of financial assistance. Examples include:

The Salvation Army

They offer food assistance, utility bill assistance, emergency shelter, and various other support services. Applications can be made in person at their offices.

Delaware 2-1-1

An initiative by the United Way of Delaware, Delaware 2-1-1 provides free and confidential help for a variety of issues like housing, employment, food, financial assistance, and more. This service can be accessed by dialing 211 from your phone or visiting their website.

Strategies to Overcome Financial Need

In addition to the financial help available, consider implementing the following strategies to improve your financial situation:

Create a Budget

Learning how to manage your money effectively can make a massive difference. A budget can help you track your income and expenses, prioritize your spending, and save for emergencies.

Consider Education and Job Training

Improving your skills can lead to better job opportunities and increased income. Many government and non-profit programs provide free or low-cost education and job training.

Seek Financial Counseling

Non-profit agencies often provide free financial counseling to help you understand and manage debt, credit, and personal finances.

Remember, assistance is available, and there's no shame in seeking help. By leveraging these resources and implementing solid financial strategies, you can build a more secure future for you and your family.