Often in “young dementia”, the person with dementia is working and contributing financially to his/her own well being or to his/her family. As the dementia progresses, it becomes more and more difficult to continue working which can cause a financial strain on an individual or family.

With a dementia diagnosis, an individual may qualify for disability benefits. One place to start is the Social Security Administration (SSA). This link will direct you to information about qualifying for Disability Benefits: http://www.ssa.gov/pubs/10029.html#part1 The web site explains, “Social Security pays benefits to people who cannot work because they have a medical condition that is expected to last at least one year or result in death.” This site walks you through the steps of applying for Social Security Disability Benefits.

Also, check for private disability insurance through an employer or other third party.

It is important to have as much diagnostic information as possible when applying for disability benefits. Having documentation in writing that describes the medical diagnosis and dementia in detail, as well as how the dementia is affecting an individuals daily performance, is critical. Consider the following types of evaluations to assist in this process:

• Documentation from a physician that states the medical diagnosis and dementia symptoms. This can be a primary care physician or a specialist like a neurologist.
   
• An evaluation from a neuropsychologist is helpful in outlining an individual's cognitive functioning (thinking and memory skills) that will support the physician’s diagnosis.
   
• An occupational therapist specializes in daily living skills (or occupations) and task analysis, and can provide information regarding what an individual can do for themselves and the areas where help is needed. This type of information further supports the medical diagnosis and will help to clarify the level of disability an individual is experiencing.
   
• Gather medical articles about the specific diagnosis that is causing the dementia. Look for information that specifically outlines the prognosis - a prediction of the probable course and outcome of a disease or the likelihood of recovery from a disease. Your physician or other health professional should be able to assist you in finding this information.

This type of information is also helpful when considering work accommodations through the Americans with Disabilities Act.

Besides the routine financial obligations, individuals with dementia may incur medical expenses that are beyond their means, putting a further strain on financial resources. Be creative and resourceful and don’t be afraid or embarrassed to ask for what you need. Consider the following resources:

• Your local church
   
• Local community organizations
   
• Salvation Army