Rumi Agarwal, FIU Embrace, Florida International University.
Laura M. Heron, Florida International University.
Intellect Dev Disabil. 2023 Jun 1;61(3):211-223. doi: 10.1352/1934-9556-61.3.211.
Families of children with intellectual and developmental disabilities (IDD) experience significant financial hardship, which could improve through financial planning and utilization of accounts such as the Achieving a Better Life Experience (ABLE). Unfortunately, current rates of banking are low among individuals with disabilities, and no study has examined this phenomenon specifically among families of children with IDD. In this cross-sectional study, 176 parents shared their financial planning and utilization experience. Findings indicate that parents worry about their child's financial future, however, paradoxically, are not engaging in financial planning. Utilization of ABLE, checking and savings accounts, and special needs trusts are also low. Parents reported several programmatic and personal barriers which could inform immediate programmatic changes and long-term policy considerations.
智障和发育障碍（IDD）儿童的家庭面临着巨大的经济困难，如果能够进行财务规划并利用 ABLE 账户等方式，这种情况可能会得到改善。然而，不幸的是，残疾人的银行开户率目前很低，而且还没有研究专门针对智障儿童家庭来探讨这一现象。在这项横断面研究中，176 名家长分享了他们的财务规划和使用经验。研究结果表明，家长们担心孩子的未来财务状况，但矛盾的是，他们并没有进行财务规划。此外，家长们对 ABLE 账户、支票和储蓄账户以及特殊需要信托的利用率也很低。家长们报告了一些项目和个人障碍，这些障碍可以为当前的项目变革和长期的政策考虑提供信息。
