Service Tree

The Service Tree lists all services in "branched" groups, starting with the very general and moving to the very specific. Click on the name of any group name to see the sub-groups available within it. Click on a service code to see its details and the providers who offer that service.

Disability Savings Accounts

Programs that provide opportunities for people with disabilities to establish special accounts where they can save money to pay for education, health care, transportation, housing and other expenses. Individuals can deposit up to $14,000 annually under current gift-tax limitations and accrue as much as $100,000 without risking their eligibility Social Security and other government benefits. People with disabilities can also retain Medicaid coverage no matter how much is deposited.

Education Savings Accounts

Organizations that provide opportunities for families to open tax-advantaged bank accounts which encourage savings to cover future education expenses (elementary, secondary and/or college); or which open and "seed" accounts for children of a designated age or grade in anticipation of ongoing contributions. Withdrawals are generally tax-free if used for approved educational expenses. Funds in seeded accounts cannot be withdrawn until an established time, e.g., after the child's high school graduation. Included are Qualified Tuition Programs (QTPs) known informally as "529 plans" operated by a state or educational institution, with tax advantages and potentially other incentives to make it easier to save for college and other post-secondary training for a designated beneficiary (such as a child or grandchild); Cloverdell Education Savings Accounts (ESAs) for designated beneficiaries established by individuals whose modified adjusted gross income is below the established amount; other plans recognized by the IRS; and locally established plans that provide a small monetary contribution but no tax advantages.

Individual Development Accounts

Organizations that provide access to an asset building tool that is designed to enable low-income families to save towards a targeted amount, usually used for building assets in the form of home ownership, post-secondary education and small business ownership. States are authorized by the Personal Responsibility and Work Opportunity Reconciliation Act of 1996 to create community-based IDA programs with TANF block grant funds, and to disregard all money saved in IDAs when determining eligibility for means tested government assistance. Although the program requirements vary from state to state, most are offered through a collaboration of organizations in a community including nonprofit organizations which recruit participants and provide financial planning services, banks or credit unions which provide matching funds (usually one or two dollars for every dollar saved), and foundations, state or federal government which provide financial support for the matching funds. The latter are also known as "matched savings accounts".