TABLE 4 - State Assistive Technology Loan Programs - Loan Criteria
STATE |
WHO IS ELIGIBLE |
CONSUMER INVOLVEMENT IN PROGRAM OPER. |
DEVICES MOST FREQUENTLY REQUESTED |
DEVICES OR SERVICES NOT COVERED |
MIDDLE AND LOW INCOME SERVED |
COMMENTS AND EXPLANTION |
Alabama |
Individuals/ Families |
Yes, through Board members |
1. Modified Vans 2. Personal Comput's 3. Misc equipment for the visually challenged |
None |
Yes |
Arrangement with Bank allows a 15:1 leveraging of funds. Bank is very involved in the program & cooperative |
Alaska |
Individuals |
Yes. Individuals with disabilities, involved on consumer advisory panel |
1. Vehicles 2. Vehicle Mod's 3. Housing access modifications |
For vehicles, must show 90 days steady employment |
No |
None |
Arkansas |
Individuals/ Families/ Businesses |
Nine members on board, majority are indiv. with a disability |
1. Computers 2. Home Modifications |
Vehicles and depending on the assisitive componet, PC's. |
Yes |
68% need AT devices that they don’t have, 69% are unable to pay for the equipment, and 68% paid for AT mainly thru personal funds. |
California |
Individuals w/disability, families, employer |
Project Advisory Board |
Modified Vehicles |
No vehicle repairs |
Yes |
If applicant meets requirements and has sufficient income to make monthly payments, the applicant's loan is guaranteed. |
Connecticut |
Individuals |
Yes-initial regulations, loan process revs, and Bank rejection appeals |
1. Computers 2. Mobility related 3. Vans |
No vehicle repairs |
Yes |
Bank sees this as a community service, and their fees for servicing loans are kept to a break-even point. They don't see this as a profit center |
Hawaii |
Individuals/ Groups |
No |
No Data |
Also includes vehicle & equipment repairs |
Yes |
None |
Idaho |
Individuals/ Families--anyone with a disability( or acting on behalf) |
IA AT Consumer Board. Program overright, fundraising, guarantee approvals |
1. Computer 2. Vehicle Mod's 3. Housing access modifications |
Vehicles |
Yes |
If applicant does not meet FSB criteria when applying, automatically forward application for guarantee consideration |
Iowa |
Individuals/ Families |
The Iowa Able Foundation Board has 6 members--5 consumers and 1 parent of a child with a disability |
1. Home Modifications 2. Van Lifts 3. Hearing aids |
Vehicles, and Service animals |
Yes |
None |
Illinois |
Individuals |
No |
1. Vehicles and Lifts 2. Scooters 3. Electric Wheelchairs |
None |
Yes |
None |
Kansas |
Individuals |
No |
No Data |
None |
No Data |
None |
Kentucky |
Individuals/ Families/ Non-Profit Invol with Disabilities |
Yes. 5 Board members |
No Data |
No Data |
Yes |
No Data |
Maine |
Individuals/ Businesses |
Majority of Loan Board members are people with disabilities |
1. Hearing aids 2. Adapted vehicles 3. Scooters |
None |
Yes |
Consumer directed Alpha One co-administers the program, provides information to consumers, distributes and processes loan applications |
Maryland |
Individuals/ Families |
No |
1. Vehicles 2. Computers 3. Mobility Aids |
None |
Yes, provided they meet income and credit criteria |
MD TAP persuaded Bank to consider income from Plans for Achieving Self Suppt (PASS), Blind Wrk Exp (BWE) and Impair Related Wrk Expen (IRWE) when determining income eligibility |
Minnesota |
Individuals |
Yes, application review. Consumers on ATMN's board |
No Data |
None |
Yes |
No Data |
Missouri |
Individuals/ Families |
No |
1. Home Modifications 2. Vans and Lifts 3. Computers |
None |
Yes |
None |
Montana |
MT residents who meet eligibility req. |
No |
No Data |
None |
Yes |
None |
Nevada |
Individuals |
Committee reviews all policies & procedure, & makes decisions |
No Data |
None |
Yes |
Loan recipients provide 1 monthly & 6 month follow-up to be integrated into program reports & policy changes annually |
New Hampshire |
Individuals |
Advisory Committee, but not involved in daily activity of the program |
1. Wheelchairs and adaptions 2. Computers 3. Telesensory device |
No vehicle purchase or repairs |
Yes |
None |
New Jersey |
No Data |
No Data |
No Data |
No Data |
No Data |
No Data |
New Mexico |
Individuals/ Families |
Yes. Consumer is involved in financial loan choices during the in-take process |
1. Adapted Vans (lifts) 2. Computers 3. Wheelchairs |
Vehicles |
Yes |
We have advertised our Loan Program through pub's for NM's disability community, as well as A.T. Life Reporter (NMTAP's quarterly newsletter). Also we will launch an ad campaign to address the med equip and suppliers in NM |
New York |
No Data |
No Data |
No Data |
No Data |
No Data |
No Data |
North Carolina |
Individuals/ Families |
All loans are approved by a Consumer Review Board, with Monthly Meetings |
1. Adapted Vans 2. Computers 3. Hearing Aids |
None |
Yes |
We find that consumers who live in outlying & rural areas are pleased to know they can go to their local NationsBank branch & don't have to travel to a large city |
North Dakota |
Individuals/ Families |
Yes |
1. Computers 2. Hearing Aides 3. Van |
Vehicles |
Yes |
None |
Ohio |
Any person with a disability in the state of Ohio |
No |
1. Mobility Devices 2. Hearing Aids 3. Computer Hardware & Software |
Vehicles |
Yes |
As of Aug. 28, we were able to put $22,000 back into the loan program from paid back loans |
Oklahoma |
Individuals/ Families |
No |
No Data Yet |
None |
Yes |
Stillwater National Bank dropped the AT loan program in the spring of 98. ABLE Tech coordinated the start of a new traditional program with BancFirst fall of 98. Loan amount info is based on Stillwater statistics, BancFirst hasn't received any applications yet |
Pennsylvania |
Individuals/ Families, & Primary Caregivers |
Yes, more than 1/2 of Board are people with disabilt's or family membr of people with disabilities. Extensive involvement |
1. Vans 2. Computers 3. Stair Glides |
None |
Yes |
The Department of Community and Economic Development is the state entity that administers the loan guarantee and monitors the PA AT Foundation activities. Our Foundation makes recommendations to First Union, and agrees to access the state guarantee should the borrower default |
South Dakota |
South Dakotans w/disabilities or their family |
More than 1/2 of Loan Committee are people with disabilities or family members. |
1. Vans with lifts. 2. Computers & Software. 3. Mobility/Sensory Aids |
None |
Yes, there are no income limits. |
None |
Utah |
Indiv/ Families/ & others who borrow in behalf of someone with a disability |
Yes. On the Governing Board |
1. Computers/Software 2. Scooters 3. Vehicles |
None |
Yes |
No |
Vermont |
Individuals/ Non-Profits |
4 of 5 Board members are consumers w/disability or family members of a person w/disability |
1. Power wheelchairs 2. Computers 3. Adaptive vehicles |
None |
Yes |
None |
Virginia |
Individuals/ Families |
Board has 12 members. Over past three years, ~10 members either have had a disability or have a child with a disability. |
1. Vehicles 2. Home mod's & scooters 3. Computers with modifications |
None |
Yes and they receive the interest rate buy-down as well |
None |
West Virginia |
No Data |
No Data |
No Data |
No Data |
No Data |
No Data |