AMERICANS WITH DISABILITIES SECTION
Information for specific States/Commonwealths/D.C/Puerto Rico are on their specific pages.
PLEASE READ THIS BEFORE YOU CONTACT US:
DISCLAIMER
Homeless To Independence Inc. is a 501©3 non-profit organization. We are self supporting and we do NOT receive any government grant funding what-so-ever to pay bills for anyone in any situation. We do not give away money. We do not give out loans against any money.
This ministry is supported with generous financial donations that are used to help keep us functioning. Our purpose is to help supply individuals and families with personal needs such as food, toiletries, clothing, household items and baby/adult diapers/wipes both locally and to areas affected by disasters . At this time, we do not offer any shelter or transitional housing services. Again, we DO NOT pay any bills. We DO NOT pay any rents or mortgages.
If you are actually homeless, or about to be homeless or need emergency assistance of any kind, DIAL “211” from a land-line telephone. This will not work from a cell telephone. Tell the receiver your situation and what you need. They will give you information specific for the location you are currently in plus any referrals you may need. They have the most up to the minute information for your specific area. Dialing “211” will get you help and much more info than this office can provide. Homeless to Independence wants you to have all the information you need to get through the situation you are in.
Don’t have a land-line telephone??? Go to your local police department, library, or house of worship and ask to use their land-line telephone. They may even make the call on your behalf.
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For those of you looking for employment through-out the United States, District of Columbia or Puerto Rico, simply;
2. CHOOSE YOUR STATE/COMMONWEALTH/TERRITORY;
3. CHOOSE THAT STATE/COMMONWEALTH/TERRITORY’S EMPLOYMENT PAGE.
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Homeless To Independence Inc. is not responsible for misprints or cancellations of events by the event holders, landlord and/or their agent, or ourselves. Homeless to Independence Inc. also reserves the right to “NOT” offer services to people and/or persons that are rude, unpleasant, and untruthful in any way shape or form, belligerent and the like.
OCCASIONALLY, THERE WILL BE ARTICLES BY OTHER WRITERS. HOMELESS TO INDEPENDENCE MAY NOT NECESSARILY AGREE WITH THEIR VIEWPOINTS, BUT WE DO RESPECT THEM. THANK YOU FOR YOUR COOPERATION!
OFFICE CONTACT INFO:
HOMELESS TO INDEPENDENCE INC., 201 STATION ROAD #258, QUAKERTOWN, PA 18951
THE VERY BEST WAY TO CONTACT ME IS TO SEND ME AN EMAIL: ANN@HOMELESSTOINDEPENDENCE.ORG
OFFICE NUMBER IS: 1-908-454-1500 LISTEN TO THE RECORDING
Please note that our office does have very limited volunteer staff and if we are one telephone line we cannot answer the other line. There is simply not enough time in the day to answer and/or return each and every telephone call.
THANK YOU!!!
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Understanding Your Explanation of Benefits (EOB)
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| If you’ve ever opened an envelope from Medicare or your insurance plan and seen a document labeled “This Is Not a Bill,” and then panicked anyway, you’re not alone. The Explanation of Benefits, or EOB, is one of the most misunderstood pieces of mail seniors receive. Here’s what it actually means, and why it’s worth a quick read each time one arrives. |
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What an EOB Is (and Isn’t)
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| An EOB is a summary of a medical claim that’s already been processed. It shows what your doctor or provider billed, what Medicare or your plan paid, and what, if anything, you may owe. It is not a bill. Think of it as a receipt confirming that a claim was reviewed, not a request for payment. |
How to Read the Key Sections
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| Most EOBs follow a similar layout, even if the wording varies by plan: |
- Provider & Service Date — who you saw and when.
- Amount Billed — what the provider originally charged.
- Plan Discount / Allowed Amount — the negotiated rate your plan actually recognizes, often lower than the billed amount.
- Amount Paid by Plan — what Medicare or your plan covered.
- Your Responsibility — any copay, coinsurance, or deductible amount you may owe the provider directly.
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| If a separate bill arrives from your provider, that’s the one to pay, not the EOB itself. |
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Why It’s Worth Checking
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- Catch billing errors early. Wrong dates, duplicate charges, or services you never received can show up here before they become bigger problems.
- Track your deductible and out-of-pocket spending. EOBs are a running record of where you stand for the year.
- Spot potential fraud. If you see a service listed that you don’t recognize, it’s worth a call to your plan or provider.
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What to Do If Something Looks Off
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| Call the customer service number on the EOB or your plan card. Have the claim number handy, it makes the conversation faster. If it turns out to be an error, your plan will typically correct it and reissue a corrected EOB. |
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A Few Tips
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- Keep EOBs in a folder or binder by year, they’re handy for tax time and for tracking healthcare spending.
- Compare your EOB to your provider’s bill before paying anything.
- If the wording feels confusing, most plans have a member services line specifically for questions like this.
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| Reading your EOB doesn’t have to be stressful. A quick five-minute check each time one arrives can save you money and give you peace of mind. |
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| Click on the image for more information. Contact us with any questions or if you would like to enroll. |
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| Whether you’re new to Medicare or reviewing your current coverage, we’re here to provide trusted local support and personalized service. Do you know someone who is navigating Medicare for the first time? Forward them this email. They’ll thank you for it! |
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© 2026 Medicare Minutes
PO Box 32
Fogelsville, PA 18051, United States |
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The Northeast ADA Center provides information, guidance, and training on the Americans with Disabilities Act and related disability issues throughout New York, New Jersey, Puerto Rico and the US Virgin Islands.
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August 2026 News Bulletin
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Updates from the Northeast ADA Center
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Free Webinar | October 1, 2026 | 2-3 p.m. ET
Achieving Employment First goals requires strong partnerships with the business community.
Hosted by the Yang-Tan Institute on Employment and Disability in Cornell University’s ILR School, this webinar will explore practical business engagement strategies that help state agencies, employment service providers, and workforce partners build pathways toward meaningful relationships with employers while advancing competitive integrated employment opportunities for people with disabilities.
Participants will:
- Learn about how employer engagement efforts align with New York’s Employment First policy objectives
- Identify approaches for understanding and meeting business needs
- Develop partnerships that create sustainable employment outcomes
Through examples and promising practices, the session will highlight strategies that support both employers and job seekers, demonstrating how effective business engagement can translate Employment First policy into successful employment outcomes.
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The Northeast ADA Center has produced a series of animated cartoons designed for children about the ADA and the experiences of people with disabilities. The videos also have a companion curriculum with ten categories that parents, teachers, and others can use to engage kids more deeply in the subject areas. You can visit the animated school series on NortheastADA.org or watch the cartoons on YouTube in English or in Spanish.
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08-14-26 HAPPENING IN COLORADO
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Image description: An emergency preparedness graphic featuring “Prepare Today. Be Ready Tomorrow.” An emergency backpack and supplies are shown alongside icons representing making a plan, building a go-bag, staying informed, communicating, and evacuating safely. A callout highlights free emergency supplies and a backup power generator raffle.
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The Center for People With Disabilities (CPWD) in partnership with Xcel Energy, is hosting three free disaster preparedness trainings this fall for people with disabilities, older adults, caregivers, family members, friends, and community members.Emergencies can create additional challenges for people with disabilities and older adults. These workshops will provide practical, easy-to-understand information and resources to help you prepare for emergencies and create a plan that meets your individual needs.
What You’ll Learn
During the workshop, participants will learn how to:
- Create a personalized emergency plan
- Build an emergency kit or go-bag
- Sign up for emergency alerts
- Communicate during an emergency
- Safely evacuate
- Stay connected with family, caregivers, and support networks
Participants will also receive emergency preparedness supplies to help start building a go-bag. Supplies will vary by event. |
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Gilpin County
 Saturday, September 26, 2026 11:00 a.m.–1:00 p.m.
 Gilpin Community Center – Multi-Purpose Room
250 Norton Drive, Black Hawk, CO 80422
Register for the Gilpin training |
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Broomfield County
Saturday, October 17, 2026 1:00–3:00 p.m.
Broomfield Health and Human Services Building – Heritage Room
100 Spader Way, Broomfield, CO 80020
Register for the Broomfield training |
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Raffle – Win a Backup Battery!
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Image description: Image of a portable backup battery. Image is for illustrative purposes only; the brand, model, size, and features may vary from the actual raffle prize available.
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Registered participants will receive emergency supplies and be entered into a raffle to win a portable backup power generator.
Who Should Attend?
These free workshops are open to anyone interested in being better prepared, including:
- People with disabilities
- Older adults
- Caregivers
- Family members
- Friends and neighbors
- Community members and support networks
Registration is required
Need help registering or have questions? Contact our Community Organizer, Sasha, at sasha@cpwd.org or (303) 442-8662.
Learn more about CPWD and our programs and services at www.cpwd.org.
We hope you’ll join us and take the next step toward being prepared! |
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| Learn More About CPWDFor more information about CPWD please visit our website below or call us at (303) 442-8662www.cpwd.org |
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Medicare Part D Is Changing in 2027
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What the End of the Premium Stabilization Program Could Mean for You
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| If you have Medicare prescription drug coverage, there is an important change coming in 2027 that you should know about before you simply renew your current plan. |
| A temporary federal program that has helped stabilize premiums for Medicare Part D prescription drug plans is ending after 2026. This means insurance companies will no longer receive the same additional support to help limit premium increases. |
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Could Your Prescription Drug Costs Go Up?
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| Possibly. But not necessarily. |
| The end of the stabilization program does not mean that everyone’s Part D premium will increase. Each insurance company will set its 2027 premiums based on its expected costs, the medications its members use, and other factors. |
| However, because the temporary premium stabilization assistance is ending, some stand-alone Part D plans could have higher premiums in 2027. |
| That’s why it will be important to look beyond your current plan and compare your options during Medicare’s Annual Enrollment Period. |
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Your Current Plan May Not Be Your Best Plan for 2027
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| Prescription drug plans can change from year to year. Even if your plan worked well for you in 2026, your: |
- Monthly premium
- Deductible
- Copayments and coinsurance
- Covered medications
- Preferred pharmacies
- Formulary tiers
- Out-of-pocket costs
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| A plan that was affordable this year may not be the most cost-effective choice next year. |
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Don’t Just Look at the Premium
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| When comparing Part D plans, it’s important to consider your total prescription drug costs, not just the monthly premium. |
| A plan with a lower premium isn’t necessarily the least expensive option if your medications have higher copayments or aren’t covered at the same level. |
| That’s where reviewing your specific prescriptions and preferred pharmacy can make a big difference. |
What Should You Do?
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| During the Medicare Annual Enrollment Period, October 15 through December 7, take a few minutes to review your Medicare prescription drug coverage for 2027. |
| Don’t automatically assume your current plan is still your best option. |
| We can help you compare available Medicare options based on your medications, pharmacies, and individual needs. |
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Have Questions About Your 2027 Medicare Coverage?
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| Let us help you review your options before you renew. |
Silent Partner Insurance Solutions
Medicare Insurance Specialists
610-366-0124
contact@silentpartnerins.com
silentpartnerins.com |
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| Click on the image for more information. Contact us with any questions or if you would like to enroll. |
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| Whether you’re new to Medicare or reviewing your current coverage, we’re here to provide trusted local support and personalized service. Do you know someone who is navigating Medicare for the first time? Forward them this email. They’ll thank you for it! |
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Brand-Name vs. Generic Medications.
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What’s the Difference and Can You Save Money?
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| If you’ve ever picked up a prescription and noticed your medication looks different than before, you may have received a generic version instead of the brand-name drug. Many Medicare beneficiaries wonder whether generic medications work as well as brand-name medications. The good news is that, in most cases, the answer is yes. Understanding the difference can help you make informed decisions and potentially save hundreds, or even thousands of dollars each year. |
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What Is a Generic Medication?
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| A generic medication contains the same active ingredient as its brand-name counterpart. Before a generic drug can be approved, the U.S. Food and Drug Administration (FDA) requires it to meet the same standards for: |
- Safety
- Effectiveness
- Quality
- Strength
- Dosage form
- Route of administration
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| Generic medications must work the same way in the body as the brand-name version. |
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Why Do Generic Drugs Cost Less?
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| Brand-name drug manufacturers invest years developing and testing new medications. During that time, they are protected by patents that prevent other companies from making the same drug. Once those patents expire, other manufacturers can produce generic versions. Because they don’t have the same research and development costs, generic medications are usually available at a much lower price. Lower costs don’t mean lower quality. They simply reflect lower development expenses and increased competition. |
Are Generic Medications Always Identical?
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| While the active ingredient is the same, generic medications may look different. |
| You may notice differences in: |
- Color
- Shape
- Size
- Inactive ingredients (such as fillers or dyes)
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| These differences generally do not affect how the medication works. If you have allergies or sensitivities to certain inactive ingredients, let your doctor or pharmacist know. |
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When Might a Brand-Name Medication Be Recommended?
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| Although generics work well for most people, there are situations where your healthcare provider may recommend staying with a brand-name medication. |
| Examples include: |
- Certain seizure medications
- Some thyroid medications
- Drugs with a very narrow therapeutic range
- When a patient has experienced problems after switching versions
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| Always follow your healthcare provider’s recommendations before making any changes to your medications. |
Tips to Lower Your Prescription Costs
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| Here are a few simple ways to save money: |
- Ask your doctor if a generic option is available.
- Use your plan’s preferred pharmacy whenever possible.
- Review your medications each year during Medicare Annual Enrollment.
- Ask about a 90-day supply if appropriate.
- Take medications exactly as prescribed to help avoid unnecessary healthcare costs.
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Medicare and Generic Medications
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| Many Medicare Part D and Medicare Advantage prescription drug plans encourage the use of generic medications because they often have lower copays than brand-name drugs. Choosing a generic medication when appropriate may help reduce your out-of-pocket costs while providing the same therapeutic benefit. |
Talk With Your Healthcare Team
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| Never stop taking a medication or switch between brand-name and generic versions without speaking with your doctor or pharmacist. They can help determine which option is safest and most effective for your individual health needs. |
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| Click on the image for more information. Contact us with any questions or if you would like to enroll. |
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| Whether you’re new to Medicare or reviewing your current coverage, we’re here to provide trusted local support and personalized service. Do you know someone who is navigating Medicare for the first time? Forward them this email. They’ll thank you for it! |
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The Joys (and Health Perks) of Gardening in Your Golden Years
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| There’s something special about getting your hands in the soil. Whether you’re tending a few pots on the porch or a full backyard bed, gardening is one of the best hobbies you can pick up, or keep up, at any age. It’s not just relaxing. It’s genuinely good for you. |
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Why Gardening Is a Great Fit for Seniors
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| Gardening keeps your body moving in gentle, low-impact ways. Digging, weeding, and watering work your muscles and joints without the strain of a gym workout. Many studies have linked regular gardening to improved flexibility, better balance, and even a lower risk of falls. |
| It’s good for your mind, too. Spending time outdoors and focusing on a simple task like planting or pruning can ease stress and lift your mood. Some research suggests gardening may even support brain health as we age. |
| And let’s not forget the social side. Community gardens, garden clubs, and swapping tips with neighbors are all easy ways to stay connected. |
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Tips for Easier, Safer Gardening
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- Raise your beds. Raised garden beds or large containers mean less bending and kneeling and easier on the back and knees.
- Choose the right tools. Look for lightweight tools with cushioned, ergonomic grips. A garden stool or kneeling pad can be a game-changer.
- Pace yourself. Garden during the cooler parts of the day, take breaks often, and keep water nearby.
- Start small. A few pots of herbs or tomatoes on a patio can bring just as much joy as a big plot, with a lot less work.
- Protect your skin. Wear a wide-brimmed hat, sunscreen, and gloves to guard against sun and irritation.
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Easy Plants for Beginners (or Anyone Who Wants Low-Maintenance Beauty)
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- Marigolds — cheerful, hardy, and great at keeping pests away
- Herbs like basil and mint — perfect for containers and cooking
- Tomatoes — satisfying to grow and even more satisfying to eat
- Hostas — shade-loving and nearly foolproof
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Getting Ready for Fall Planting
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| Late summer is the perfect time to start thinking ahead. Cooler-weather crops like lettuce, spinach, and kale can go in the ground now for a fall harvest. It’s also a great time to plant spring-blooming bulbs like daffodils and tulips, tuck them into the soil before the first frost, and they’ll reward you with color come spring. A little planning now means more to enjoy later. |
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Bringing the Garden to the Table
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| One of the simplest pleasures of gardening is eating what you grow. A handful of fresh basil and homegrown tomatoes can turn an ordinary dinner into something special, no fancy recipe required. Even a small windowsill herb garden can add fresh flavor to your meals year-round. |
A Little Sunshine Goes a Long Way
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| You don’t need a green thumb to enjoy gardening, just a little curiosity and a willingness to get a bit dirty. Whether it’s a single pot of flowers or a full vegetable patch, the benefits to your body, mind, and mood are well worth it. |
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| Click on the image for more information. Contact us with any questions or if you would like to enroll. |
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| Whether you’re new to Medicare or reviewing your current coverage, we’re here to provide trusted local support and personalized service. Do you know someone who is navigating Medicare for the first time? Forward them this email. They’ll thank you for it! |
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Financial Fraud Red Flags
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| Scammers are becoming more sophisticated every year, and unfortunately, older adults are often targeted because they are perceived as having savings, good credit, or a trusting nature. The good news is that knowing what to watch for can help you avoid becoming a victim. |
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Common Red Flags
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| If someone contacts you unexpectedly and any of the following happen, take a step back before responding. |
They Create a Sense of Urgency
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| Scammers often pressure people into making quick decisions. |
| You may hear: |
- “Your account will be closed today.”
- “You must act immediately.”
- “This offer expires in the next hour.”
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| Legitimate businesses and government agencies rarely demand immediate action without giving you time to verify the information. |
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They Ask for Personal Information
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| Never give out your: |
- Medicare number
- Social Security number
- Bank account information
- Credit card numbers
- Online banking passwords
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| If someone claims to be from Medicare, your bank, or an insurance company, hang up and call the official phone number you already have on file. |
They Request Unusual Forms of Payment
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| Be suspicious if you’re asked to pay using: |
- Gift cards
- Cryptocurrency
- Wire transfers
- Payment apps to someone you don’t know
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| These payment methods are difficult to recover once the money is sent. |
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They Promise Something That Sounds Too Good to Be True
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| Be cautious of offers such as: |
- Free medical equipment with “no strings attached”
- Large cash prizes
- Guaranteed investment returns
- “Exclusive” Medicare benefits available only today
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| If it sounds too good to be true, it probably is. |
They Want Remote Access to Your Computer
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| No legitimate company will unexpectedly call and ask to take control of your computer or phone. Never download software or grant remote access unless you initiated the request with a trusted company. |
Medicare Scam Alert
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| Medicare will not call you out of the blue to: |
- Verify your Medicare number
- Offer a new Medicare card for a fee
- Sell Medicare Advantage or Part D plans
- Threaten to cancel your benefits
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| If you receive one of these calls, hang up immediately. |
How to Protect Yourself
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| A few simple habits can make a big difference: |
- Don’t answer calls from unknown numbers if you’re unsure who is calling.
- Let unexpected calls go to voicemail.
- Verify requests by contacting the company directly using an official phone number.
- Review your bank and credit card statements regularly.
- Check your Medicare Summary Notice or Explanation of Benefits for services you didn’t receive.
- Talk with a trusted family member or advisor before making major financial decisions.
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If You Think You’ve Been Scammed
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| Act quickly. |
- Contact your bank or credit card company immediately.
- Change any compromised passwords.
- Report Medicare-related fraud to 1-800-MEDICARE.
- Report identity theft at IdentityTheft.gov.
- Notify your local law enforcement agency if money has been stolen.
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| The sooner you report suspected fraud, the better your chances of limiting the damage. |
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| Click on the image for more information. Contact us with any questions or if you would like to enroll. |
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| Whether you’re new to Medicare or reviewing your current coverage, we’re here to provide trusted local support and personalized service. Do you know someone who is navigating Medicare for the first time? Forward them this email. They’ll thank you for it! |
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FYI
If someone in your family has a mobility disability, be ready for disasters: 
Have extra batteries for a power wheelchair or other battery-operated medical devices Keep an extra mobility device such as a cane or walker Have a family emergency plan http://ready.gov/disability https://pic.twitter.com/5UrQprzenQ
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A VERY SPECIAL THANK YOU TO CHRISTY FROM WONDERMOMS FOR SENDING ME THIS WEALTH OF INFORMATION.
THERE ARE TIMES WHEN FAMILY MEMBERS WILL LOOK AFTER OUR CHILD(REN) WITH SPECIAL NEEDS AND I AM HOPING THAT ALL OF THIS WONDERFUL INFORMATION WILL HELP THEM TO HAVE THEIR HOMES PREPARED AND INVITING TO THE YOUNGER ONES …
THERE IS NOTHING WE WILL NOT DO WHEN WE CARE FOR ANOTHER HUMAN…. KUDOS CHRISTY!
POSTED 04-15-20
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On January 29, 2020, HUD issued updated guidance on the topic of assistance animals as a reasonable accommodation. The new guidance provides clarity on some of the complex issues that property owners, property managers, and tenants have encountered. This updated guidance can be found on HUD’s website at https://www.hud.gov/sites/dfiles/PA/documents/HUDAsstAnimalNC1-28-2020.pdf (PDF).
HUD also released a fact sheet to accompany the new guidance. This additional document can be found on HUD’s website at https://www.hud.gov/sites/dfiles/PA/documents/AsstAnimalsGuidFS1-24-20.pdf (PDF).
This new guidance should be of wide interest to many of TDHCA’s program participants.
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Tips for Your Best Day Out with Your Kid with Autism
BY EILEEN SHAKLEE Published: March 29, 2019
https://www.njfamily.com/tips-for-your-best-day-out-with-your-kid-with-special-needs/#
POSTED 04.12.19
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POSTED 03.19.19
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08-20-18 ASSISTED LIVING BENEFITS FOR VETERANS
THIS INFORMATION HAS BEEN PROVIDED BY THE ASSISTED LIVING RESEARCH INSTITUTE –
THANK YOU DONNA VILLAR FOR REACHING OUT TO US TO HELP GET THE WORD OUT!
https://www.assistedliving.org/assisted-living-benefits-for-veterans
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08-20-18 KNOW THE LAW: SERVICE AND SUPPORT ANIMALS
What’s the difference between an emotional support animal and a service animal? And what kinds of accommodations are landlords required to provide?
GET THE LOWDOWN…
https://www.zillow.com/rental-manager/resources/landlord-laws-support-animal/?utm_source=email&utm_medium=email&utm_campaign=emm_zrm_0818_augustbatchnl&utm_content=herobutton
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02-10-20 update… CALLING ALL FOOT AMPUTEES AND AMPUTEES GROUPS!
HOMELESS TO INDEPENDENCE, INC. IS EXPANDING OUR OUTREACH …
WITH OFFERING ALL AMPUTEES NATIONWIDE A NEW VANS SNEAKER.
UNFORTUNATELY, WE DO NOT HAVE FUNDS TO COVER POSTAGE. POSTAGE WILL BE A FLAT FEE OF $7.10 FOR USPS PRIORITY PADDED FLAT RATE ENVELOPE OUTSIDE OF NEW JERSEY.
CHILDREN, MEN AND WOMEN SIZES AVAILABLE!
EMAIL: ANN@HOMELESSTOINDEPENDENCE.ORG
WITH THE SIZE NEEDED, RIGHT OR LEFT FOOT
AND I WILL SEND YOU PICTURES OF WHAT I HAVE AVAILABLE IN THE SIZE AND FOOT REQUESTED.
WE DO NOT HAVE EVERY SINGLE SIZE, HOWEVER, WE DO HAVE AND EXTREME AMOUNT OF THESE VANS TO ASSIST THE AMPUTEE COMMUNITY.
THANK YOU EVERYONE FOR SUPPORTING HOMELESS TO INDEPENDENCE, INC. AND THE PEOPLE WE SERVE!
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Disability.GOV information that pertains to individual states are listed on the individual state’s page – Thank you!
and…
Disability.gov’s Guides to Information & Resources
https://www.disability.gov/disability-govs-guides-to-information/
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Back to School: Teaching Kids How to Handle Bullying
Back to School Teaching Kids How to Handle Bullying
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Disability Connection: 10 Things You Need to Know for Back-to-School
Disability
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WE LEAVE NO STONE UNTURNED WHEN IT COMES TO HELPING OTHERS!!
