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Financial Literacy & Capability

An important focus of the LEAD Center’s mission is to increase the financial literacy and financial capability of people with disabilities. Participation in the workforce, which produces increased income, is a vital first step for working-age adults with disabilities to build economic self-sufficiency. Employment also serves as an important gateway for individuals to further explore tools and strategies to improve their economic stability and security. The LEAD Center works to foster pathways to economic advancement for people with disabilities to improve their present and long-term financial well-being, while supporting the workforce development, Home and Community Based Services, and other systems that share this mission.

 
LEAD Center - A Resource Developed by LEAD Center for ODEP
 

Consumer Financial Protection Bureau

Website

Established by Congress in 2011, the Consumer Financial Protection Bureau (CFPB) is the federal agency charged with protecting and educating consumers regarding financial products and services through enforcement of federal consumer financial prot

National Disability Institute

Website

National Disability Institute (NDI) is national non-profit organization dedicated to building a better economic future for people with disabilities and the principal organization driving the LEAD Center.

Financial Education, Asset Development, and Work and Tax Incentives

Website | U.S. Department of Labor, Office of Disability Employment Policy (ODEP)

This website section of the Office of Disability Employment Policy (ODEP), U.S. Department of Labor, showcases economic advancement resources for people with disabilities.

Financial Wellness Among Individuals Living with Multiple Sclerosis (MS)

September 2012 | Report/Brief

National Disability Institute and Multiple Sclerosis Association of America, September 2012 - A groundbreaking survey conducted by National Disability Institute and the Multiple Sclerosis Association of America (MSAA) revealed three out of four...

Municipal Financial Empowerment: A Supervitamin for Public Programs

January 2012 | Report/Brief

New York City Department of Consumer Affairs, Office of Financial Empowerment, 2012 - This report documents how New York City introduced professional financial counseling into key city services to achieve better social service outcomes.

Advancing Financial Literacy for Individuals with Disabilities

April 18, 2018

On April 18, National Disability Institute (NDI), the LEAD Center and Municipal Securities Rulemaking Board (MSRB) partnered for the webinar/in-person event, Advancing Financial Literacy for Individuals with Disabilities, to commemorate National...

Financial Health Assessment for Counseling and Guidance

December 7, 2017

PART THREE OF THREE:

The ABLE Act: A Tool for Financial Stability and Employment Outcomes

April 27, 2017

The LEAD Center, in collaboration with the ABLE National Resource Center, will be holding a webinar focused on how individuals with disabilities, and their families, can use ABLE Accounts to increase their financial stability and produce more...

Integrating Employment and Financial Capability Services: New Pathways to Economic Stability

February 26, 2014

The US Department of Labor, Office of Disability Employment Policy and the Consumer Financial Protection Bureau have entered into a partnership to advance positive financial behavior and greater economic self-sufficiency for individuals with disab

MyFreeTaxes – Free Tax Preparation for AJCs and Community Based Organizations

January 22, 2014

Join us for a timely conversation on MyFreeTaxes, a free, inclusive tax preparation tool in which taxpayers earning $58,000 or less can prepareand file their federal and state taxes online in all 50 states.

Promoting Economic Advancement - Using Work Incentives to Build Financial Stability

April 24, 2013

Discover opportunities for individuals with disabilities to increase income through the use of Social Security (SSDI and SSI) work incentives, including work incentives that support savings above the $2,000 SSI asset limit.

Promoting Economic Advancement – Financial Education

March 27, 2013

Explore why financial education is important and how it can benefit customers served at American Job Center. Learn about curriculum options and resources as well as strategies for local implementation.

Promoting Economic Advancement – Implementing Free Tax Prep Services

February 27, 2013

Learn about three free tax preparation models for American Job Center professionals to implement to further advance economic stability for their customers. Presenters included the IRS as well as local AJCs implementing free tax prep at their local...

First ABLE Account Programs Open in Ohio and Tennessee

June 29, 2016

On June 1, 2016, the state of Ohio became the first state to launch a disability savings account program authorized by the federal Achieving a Better Life Experience Act (ABLE), which passed in December 2014.

ABLE Act Celebrates Its 1st Anniversary

January 29, 2016

December 19, 2015 marked the one-year anniversary of President Obama’s signing of the Achieving a Better Life Experience (ABLE) Act into law.

Opportunity for Public Input into IRS’ Proposed Regulations for Implementing ABLE Act

September 25, 2015

On June 19, 2015, the Internal Revenue Service (IRS) posted in its Notice of Proposed Rulemaking (NPR) its recommended approach for implementing the Achieving a Better Life Experience (ABLE) Act of 2014.

Following Supreme Court Ruling on Same-Gender Marriage, Advocates Highlight Marriage Penalty and Income Limits on Disability Benefits

July 31, 2015

In the wake of the Supreme Court’s decision in Obergefell on same-gender marriage, advocates with disabilities in the LGBTQ community have raised concerns about continued barriers to marriage for couples who rely on Supplemental Security Income (S

IRS Releases Proposed ABLE Act Regulations

June 30, 2015

On Friday June 19th, the Internal Revenue Service (IRS) released the highly anticipated Notice of Proposed

Virginia is First State to Pass ABLE Act Implementation Legislation to Lessen Financial Strains for Those with Disabilities

May 29, 2015

In April, Virginia governor Terry McAuliffe signed into law the state’s Achieving A B

NDI Unveils ABLE Resource Center and Update on ABLE Implementation

February 27, 2015

National Disability Institute (NDI) announced a new Achieving a Better Life Experience (ABLE) Resource Center to consolidate information, resources and advocacy materials on state implementation of the ABLE Act.

LEAD Activities During Financial Capability Month in April

June 28, 2018

To commemorate Financial Capability Month, and learn more about the challenges and opportunities to address the needs of Americans with disabilities to become more financially capable, the LEAD Center, Municipal Securities Rulemaking Board (MSRB),

ABLE Update: Social Security Administration’s Updated Guidance for SSI Beneficiaries

March 28, 2018

On March 8, 2018, the Social Security Administration (SSA) published an updated version of its Program Operations Manual System (POMS) regarding the ABLE Act and ABLE accounts.

Financial Integration Team – Pioneering Pathways to Economic Advancement

December 19, 2017

The LEAD Center continues to support National Disability Institute’s Financial Integration Team (FIT) Community of Practice.

The FDIC Promotes the Economic Inclusion of People with Disabilities

December 19, 2017

The Federal Deposit Insurance Corporation (FDIC) seeks to improve the financial inclusion of underserved populations, particularly those that are not using mainstream financial services, through the Alliance for Economic Inclusion (AEI).

ABLE Accounts Give People with Disabilities the Power to Save

September 27, 2017

This summer, the ABLE National Resource Center (ANRC) launched a month-long public awareness campaign called “#ABLEtoSave.” The national grassroots camp

LEAD Focuses on the Connection between the ABLE Act and Employment

June 29, 2017

This past quarter, the LEAD Center conducted substantial work to educate disability-related stakeholders about how having an ABLE account can assist a person with obtaining and maintaining competitive integ

LEAD PARTNER: ABLE National Resource Center

June 29, 2017

The ABLE National Resource Center (ANRC) is a collaborative that brings together the investment, support, and resources of some of the country's most influential national disability organizations to accelerate the design and availability of ABLE a

Financial Integration Team – A Community of Practice of Economic Advancement Change Agents

September 30, 2016

Communities of Practice (CoPs) align individuals with a shared interest to share common practices, individual experiences, innovative ideas, and experiential knowledge.

ABLE Account Funds Could Help Individuals with Disabilities Achieve Employment Outcomes

June 30, 2016

June 2016 marked the launch of the country’s first ABLE programs.

Video Released of Advancing Financial Literacy for Individuals with Disabilities Event

May 3, 2018

On April 18, National Disability Institute (NDI), the LEAD Center and Municipal Securities Rulemaking Board (MSRB) partnered for the webinar/in-person event, Advancing Financial Literacy for Individuals with Disabilities, to commemorate National F

LEAD Center Hosts National Dialogue on Financial Literacy Education for People with Disabilities

April 18, 2018

In recognition of Financial Literacy Month, the LEAD Center today launched a two-week national dialogue called Money Matters.

LEAD Participates in Louisville Financial Empowerment Summit

November 4, 2014

On October 30th, LEAD staff returned to Louisville, Ky. to participate in the city's 2nd Annual Financial Empowerment Summit.

ODEP and CFPB Issue Memorandum Promoting Financial Capability of Workers with Disabilities

August 14, 2014

The U.S. Department of Labor’s Office of Disability Employment Policy (ODEP) and the Consumer Financial Protection Bureau (CFPB) released a joint memorandum calling on state and local governments, community development organizations, employers and...

LEAD Center Hosts Louisville Economic Advancement Assembly

May 22, 2014

In collaboration with Louisville Metro Government Community Services and Revitalization and Bank on Louisville, the LEAD Center hosted an Economic Advancement Assembly in Louisville, Ky. on May 13.

Louisville Metro Government Joins With National Disability Institute’s LEAD Center to Improve Financial Health for Kentuckians with Disabilities

May 12, 2014

Assembly brings disability advocates, community and thought leaders together to discuss current activities and opportunities to build the financial capability of people with disabilities throughout the Louisville Area

Assistant Secretary Kathy Martinez, U.S. Department of Labor, Office of Disability Employment Policy, Joins LEAD Center to Facilitate Strategic Planning at CFE Forum

March 26, 2013

ODEP and National Disability Institute’s LEAD Center joined Cities for Financial Empowerment for a brainstorming session to begin designing a national integration strategy to build the financial capability of individuals and families through touch...

President’s Advisory Council on Financial Capability Releases Final Report

March 12, 2013

This new report delivered through the U.S. Department of the Treasury highlights many recommendations to help improve the financial lives of individuals and families across America.

Census Bureau Report Shows 30 Percent of Adults Receiving Government Assistance have a Disability

February 26, 2013

This U.S. Census Bureau report – Disability Characteristics of Income-Based Government Assistance Recipients in the United States: 2011 – reveals that 30.4 percent of the more than 46 million adults who received income-based government assistance in...

Employer Credit Checks: A Barrier to Employment for Many, Including People with Disabilities

March 30, 2014

Checking the personal credit history of job applicants is a common practice for employers today. According to a survey of human resources professionals, nearly half of employers check an employee’s credit history when hiring for some or all...

Categories - LG Tablet

 
LEAD Center - A Resource Developed by LEAD Center for ODEP
 

Consumer Financial Protection Bureau

Website

Established by Congress in 2011, the Consumer Financial Protection Bureau (CFPB) is the federal agency charged with protecting and educating consumers regarding financial products and services through enforcement of federal consumer financial prot

National Disability Institute

Website

National Disability Institute (NDI) is national non-profit organization dedicated to building a better economic future for people with disabilities and the principal organization driving the LEAD Center.

Financial Education, Asset Development, and Work and Tax Incentives

Website | U.S. Department of Labor, Office of Disability Employment Policy (ODEP)

This website section of the Office of Disability Employment Policy (ODEP), U.S. Department of Labor, showcases economic advancement resources for people with disabilities.

Financial Wellness Among Individuals Living with Multiple Sclerosis (MS)

September 2012 | Report/Brief

National Disability Institute and Multiple Sclerosis Association of America, September 2012 - A groundbreaking survey conducted by National Disability Institute and the Multiple Sclerosis Association of America (MSAA) revealed three out of four...

Municipal Financial Empowerment: A Supervitamin for Public Programs

January 2012 | Report/Brief

New York City Department of Consumer Affairs, Office of Financial Empowerment, 2012 - This report documents how New York City introduced professional financial counseling into key city services to achieve better social service outcomes.

Advancing Financial Literacy for Individuals with Disabilities

April 18, 2018

On April 18, National Disability Institute (NDI), the LEAD Center and Municipal Securities Rulemaking Board (MSRB) partnered for the webinar/in-person event, Advancing Financial Literacy for Individuals with Disabilities, to commemorate National...

Financial Health Assessment for Counseling and Guidance

December 7, 2017

PART THREE OF THREE:

The ABLE Act: A Tool for Financial Stability and Employment Outcomes

April 27, 2017

The LEAD Center, in collaboration with the ABLE National Resource Center, will be holding a webinar focused on how individuals with disabilities, and their families, can use ABLE Accounts to increase their financial stability and produce more...

Integrating Employment and Financial Capability Services: New Pathways to Economic Stability

February 26, 2014

The US Department of Labor, Office of Disability Employment Policy and the Consumer Financial Protection Bureau have entered into a partnership to advance positive financial behavior and greater economic self-sufficiency for individuals with disab

MyFreeTaxes – Free Tax Preparation for AJCs and Community Based Organizations

January 22, 2014

Join us for a timely conversation on MyFreeTaxes, a free, inclusive tax preparation tool in which taxpayers earning $58,000 or less can prepareand file their federal and state taxes online in all 50 states.

Promoting Economic Advancement - Using Work Incentives to Build Financial Stability

April 24, 2013

Discover opportunities for individuals with disabilities to increase income through the use of Social Security (SSDI and SSI) work incentives, including work incentives that support savings above the $2,000 SSI asset limit.

Promoting Economic Advancement – Financial Education

March 27, 2013

Explore why financial education is important and how it can benefit customers served at American Job Center. Learn about curriculum options and resources as well as strategies for local implementation.

Promoting Economic Advancement – Implementing Free Tax Prep Services

February 27, 2013

Learn about three free tax preparation models for American Job Center professionals to implement to further advance economic stability for their customers. Presenters included the IRS as well as local AJCs implementing free tax prep at their local...

First ABLE Account Programs Open in Ohio and Tennessee

June 29, 2016

On June 1, 2016, the state of Ohio became the first state to launch a disability savings account program authorized by the federal Achieving a Better Life Experience Act (ABLE), which passed in December 2014.

ABLE Act Celebrates Its 1st Anniversary

January 29, 2016

December 19, 2015 marked the one-year anniversary of President Obama’s signing of the Achieving a Better Life Experience (ABLE) Act into law.

Opportunity for Public Input into IRS’ Proposed Regulations for Implementing ABLE Act

September 25, 2015

On June 19, 2015, the Internal Revenue Service (IRS) posted in its Notice of Proposed Rulemaking (NPR) its recommended approach for implementing the Achieving a Better Life Experience (ABLE) Act of 2014.

Following Supreme Court Ruling on Same-Gender Marriage, Advocates Highlight Marriage Penalty and Income Limits on Disability Benefits

July 31, 2015

In the wake of the Supreme Court’s decision in Obergefell on same-gender marriage, advocates with disabilities in the LGBTQ community have raised concerns about continued barriers to marriage for couples who rely on Supplemental Security Income (S

IRS Releases Proposed ABLE Act Regulations

June 30, 2015

On Friday June 19th, the Internal Revenue Service (IRS) released the highly anticipated Notice of Proposed

Virginia is First State to Pass ABLE Act Implementation Legislation to Lessen Financial Strains for Those with Disabilities

May 29, 2015

In April, Virginia governor Terry McAuliffe signed into law the state’s Achieving A B

NDI Unveils ABLE Resource Center and Update on ABLE Implementation

February 27, 2015

National Disability Institute (NDI) announced a new Achieving a Better Life Experience (ABLE) Resource Center to consolidate information, resources and advocacy materials on state implementation of the ABLE Act.

LEAD Activities During Financial Capability Month in April

June 28, 2018

To commemorate Financial Capability Month, and learn more about the challenges and opportunities to address the needs of Americans with disabilities to become more financially capable, the LEAD Center, Municipal Securities Rulemaking Board (MSRB),

ABLE Update: Social Security Administration’s Updated Guidance for SSI Beneficiaries

March 28, 2018

On March 8, 2018, the Social Security Administration (SSA) published an updated version of its Program Operations Manual System (POMS) regarding the ABLE Act and ABLE accounts.

Financial Integration Team – Pioneering Pathways to Economic Advancement

December 19, 2017

The LEAD Center continues to support National Disability Institute’s Financial Integration Team (FIT) Community of Practice.

The FDIC Promotes the Economic Inclusion of People with Disabilities

December 19, 2017

The Federal Deposit Insurance Corporation (FDIC) seeks to improve the financial inclusion of underserved populations, particularly those that are not using mainstream financial services, through the Alliance for Economic Inclusion (AEI).

ABLE Accounts Give People with Disabilities the Power to Save

September 27, 2017

This summer, the ABLE National Resource Center (ANRC) launched a month-long public awareness campaign called “#ABLEtoSave.” The national grassroots camp

LEAD Focuses on the Connection between the ABLE Act and Employment

June 29, 2017

This past quarter, the LEAD Center conducted substantial work to educate disability-related stakeholders about how having an ABLE account can assist a person with obtaining and maintaining competitive integ

LEAD PARTNER: ABLE National Resource Center

June 29, 2017

The ABLE National Resource Center (ANRC) is a collaborative that brings together the investment, support, and resources of some of the country's most influential national disability organizations to accelerate the design and availability of ABLE a

Financial Integration Team – A Community of Practice of Economic Advancement Change Agents

September 30, 2016

Communities of Practice (CoPs) align individuals with a shared interest to share common practices, individual experiences, innovative ideas, and experiential knowledge.

ABLE Account Funds Could Help Individuals with Disabilities Achieve Employment Outcomes

June 30, 2016

June 2016 marked the launch of the country’s first ABLE programs.

Video Released of Advancing Financial Literacy for Individuals with Disabilities Event

May 3, 2018

On April 18, National Disability Institute (NDI), the LEAD Center and Municipal Securities Rulemaking Board (MSRB) partnered for the webinar/in-person event, Advancing Financial Literacy for Individuals with Disabilities, to commemorate National F

LEAD Center Hosts National Dialogue on Financial Literacy Education for People with Disabilities

April 18, 2018

In recognition of Financial Literacy Month, the LEAD Center today launched a two-week national dialogue called Money Matters.

LEAD Participates in Louisville Financial Empowerment Summit

November 4, 2014

On October 30th, LEAD staff returned to Louisville, Ky. to participate in the city's 2nd Annual Financial Empowerment Summit.

ODEP and CFPB Issue Memorandum Promoting Financial Capability of Workers with Disabilities

August 14, 2014

The U.S. Department of Labor’s Office of Disability Employment Policy (ODEP) and the Consumer Financial Protection Bureau (CFPB) released a joint memorandum calling on state and local governments, community development organizations, employers and...

LEAD Center Hosts Louisville Economic Advancement Assembly

May 22, 2014

In collaboration with Louisville Metro Government Community Services and Revitalization and Bank on Louisville, the LEAD Center hosted an Economic Advancement Assembly in Louisville, Ky. on May 13.

Louisville Metro Government Joins With National Disability Institute’s LEAD Center to Improve Financial Health for Kentuckians with Disabilities

May 12, 2014

Assembly brings disability advocates, community and thought leaders together to discuss current activities and opportunities to build the financial capability of people with disabilities throughout the Louisville Area

Assistant Secretary Kathy Martinez, U.S. Department of Labor, Office of Disability Employment Policy, Joins LEAD Center to Facilitate Strategic Planning at CFE Forum

March 26, 2013

ODEP and National Disability Institute’s LEAD Center joined Cities for Financial Empowerment for a brainstorming session to begin designing a national integration strategy to build the financial capability of individuals and families through touch...

President’s Advisory Council on Financial Capability Releases Final Report

March 12, 2013

This new report delivered through the U.S. Department of the Treasury highlights many recommendations to help improve the financial lives of individuals and families across America.

Census Bureau Report Shows 30 Percent of Adults Receiving Government Assistance have a Disability

February 26, 2013

This U.S. Census Bureau report – Disability Characteristics of Income-Based Government Assistance Recipients in the United States: 2011 – reveals that 30.4 percent of the more than 46 million adults who received income-based government assistance in...

Employer Credit Checks: A Barrier to Employment for Many, Including People with Disabilities

March 30, 2014

Checking the personal credit history of job applicants is a common practice for employers today. According to a survey of human resources professionals, nearly half of employers check an employee’s credit history when hiring for some or all...

Categories - SM Tablet

Resources

 
LEAD Center - A Resource Developed by LEAD Center for ODEP
 

EQUITY the Book

October 2015 | Tool/Manual
World Institute on Disability

Asset Building Strategies for People with Disabilities, A Guide to Financial Empowerment covers all topics that are important for people with disabilities in their quest for strong finances and asset building.

A Fair Shot for Workers with Disabilities

January 2015 | Report/Brief
Center for American Progress

This report examines the intersection of disability and poverty and provides an insightful perspective on what our country and its leaders can do to remedy this disability-non disability pay gap.

Assets & Opportunity Scorecard

Website
CFED

The Assets & Opportunity Scorecard is a comprehensive look at Americans’ financial security today and their opportunities to create a more prosperous future.

Enabling Financial Capability Along the Road to Financial Inclusion

September 2013 | Report/Brief
Center for Financial Inclusion and Accion

The Roadmap to Financial Inclusion outlines the milestones along the road to achieving full financial inclusion.

Financial Education, Asset Development, and Work and Tax Incentives

Website
U.S. Department of Labor, Office of Disability Employment Policy (ODEP)

This website section of the Office of Disability Employment Policy (ODEP), U.S. Department of Labor, showcases economic advancement resources for people with disabilities.

  •  

Categories - Phablet

Resources

 
LEAD Center - A Resource Developed by LEAD Center for ODEP
 

EQUITY the Book

October 2015 | Tool/Manual
World Institute on Disability

Asset Building Strategies for People with Disabilities, A Guide to Financial Empowerment covers all topics that are important for people with disabilities in their quest for strong finances and asset building.

A Fair Shot for Workers with Disabilities

January 2015 | Report/Brief
Center for American Progress

This report examines the intersection of disability and poverty and provides an insightful perspective on what our country and its leaders can do to remedy this disability-non disability pay gap.

Assets & Opportunity Scorecard

Website
CFED

The Assets & Opportunity Scorecard is a comprehensive look at Americans’ financial security today and their opportunities to create a more prosperous future.

Enabling Financial Capability Along the Road to Financial Inclusion

September 2013 | Report/Brief
Center for Financial Inclusion and Accion

The Roadmap to Financial Inclusion outlines the milestones along the road to achieving full financial inclusion.

Financial Education, Asset Development, and Work and Tax Incentives

Website
U.S. Department of Labor, Office of Disability Employment Policy (ODEP)

This website section of the Office of Disability Employment Policy (ODEP), U.S. Department of Labor, showcases economic advancement resources for people with disabilities.

  •  

Categories - Phone

Resources

 
LEAD Center - A Resource Developed by LEAD Center for ODEP
 

EQUITY the Book

October 2015 | Tool/Manual
World Institute on Disability

Asset Building Strategies for People with Disabilities, A Guide to Financial Empowerment covers all topics that are important for people with disabilities in their quest for strong finances and asset building.

A Fair Shot for Workers with Disabilities

January 2015 | Report/Brief
Center for American Progress

This report examines the intersection of disability and poverty and provides an insightful perspective on what our country and its leaders can do to remedy this disability-non disability pay gap.

Assets & Opportunity Scorecard

Website
CFED

The Assets & Opportunity Scorecard is a comprehensive look at Americans’ financial security today and their opportunities to create a more prosperous future.

Enabling Financial Capability Along the Road to Financial Inclusion

September 2013 | Report/Brief
Center for Financial Inclusion and Accion

The Roadmap to Financial Inclusion outlines the milestones along the road to achieving full financial inclusion.

Financial Education, Asset Development, and Work and Tax Incentives

Website
U.S. Department of Labor, Office of Disability Employment Policy (ODEP)

This website section of the Office of Disability Employment Policy (ODEP), U.S. Department of Labor, showcases economic advancement resources for people with disabilities.

  •