Introduction: Everything You Need to Know on Disability Rights, Disability Grants, and Disability Loans


Living with a disability brings a whole set of challenges and difficulties. Our entire society is structured in such a way to make even the easiest of tasks close to impossible for people with disabilities. In recent years, however, the disability rights movement has successfully lobbied for important and ground-breaking changes in disability law.

There are several important changes that have come about in disability law in recent years, including disability housing programs, special loans for people on disability, grants for disabled people, and others.

In this brief article, AdvisoryHQ will give you a thorough overlook of everything related to these changes in disability law. We will begin by explaining the basic disability rights before explaining certain programs that offer housing for disabled people. We then turn our attention to programs offering loans for people on disability and other loans for disabled people.

Disability Rights

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Next, we offer detailed information on where to find grants for disabled people. For those who want to know more about all of the programs that exist, we also offer detailed information on where you can look online for information on disability housing and disability loans.

Living with a disability is certainly a challenge, but with so many resources out there, you are sure to find ways to help you demand your disability rights.

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What Are the Basic Disability Rights?

The disability rights movement is a global movement whose main goal is to work together to improve disability law so that everyone can enjoy equal opportunities. The scope of disability rights is large and includes everything from access to housing for disabled people, to disability loans to improve access to credit to safer transportation options for peoples with disabilities.

In the United States, the first signs of disability rights appeared in 1817 with the founding of the American School for the Deaf in Hartford, Connecticut. Though change has come about slowly through the dedicated advocacy work of thousands of people, in 1990, the United States Congress passed the Americans with Disability Act.



According to Wikipedia, this groundbreaking law “is a US labor law that prohibits unjustified discrimination based on disability. It affords similar protections against discrimination to Americans with disabilities as the Civil Rights Act of 1964, which made discrimination based on race, religion, sex, national origin, and other characteristics illegal. In addition, unlike the Civil Rights Act, the ADA also requires covered employers to provide reasonable accommodations to employees with disabilities, and imposes accessibility requirements on public accommodations.”

This is the main piece of disability law in the United States that protects the disability rights of people who live with disabilities. There are five main titles, or parts, to this disability law, which include: 

  • Title I — employment
  • Title II — public entities (and public transportation)
  • Title III — public accommodations (and commercial facilities)
  • Title IV — telecommunications
  • Title V — miscellaneous provisions

Additionally, other pieces of law that are considered to be disability law include the Fair Housing Act and the Telecommunications Act. Since disability law is rather hard to understand, the government-run ADA has published a short booklet that succinctly explains the different disability laws and how they protect disability rights. You can find that booklet for free here.

Disability Rights

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Are There Special Programs for Housing for Disabled People?

One of the main things that many people with disability search for is housing for disabled people. Because of the unique difficulties of mobility and access to jobs, many times people with disabilities are stuck without adequate or affordable housing options.

Luckily, there are a number of government and non-government programs that are specially designed to offer disability housing that is both affordable and adequate for people with different types of disabilities.

The Housing and Urban Development (HUD) program of the U.S. government offers certain development vouchers, which are specifically designed and oriented toward helping people with disabilities gain access to housing for disabled people.



According to their website, these certain development vouchers“ enable non-elderly families having a person with disabilities, who do not currently receive housing assistance in certain developments where owners establish preferences for, or restrict occupancy to, elderly families, to obtain affordable housing.”

Furthermore, the section 811 Program is another piece of disability law that is designed to help create more access for disability housing options. This program and unique disability law helps people with disabilities to live as independently as possible through offering subsidies for rental housing with important and appropriate supportive services.

You can apply for either interest-free capital advances to help you pay your rent for your disability housing or through the U.S. government-funded, state-run programs offering disability housing.

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Loans for People on Disability and Other Loans for Disabled People

Having access to credit is one of the most important aspects of maintaining a strong financial livelihood. Unfortunately, banks are often overly strict when it comes to who they do and don’t offer loans to.

Many times, disabled people are turned down for a personal loan, a car loan or a mortgage because of discrimination in the workplace and a job market that does not allow them access to a decently paying, steady job.

Fortunately, there are a number of programs that are designed to help people with disabilities gain access to disability loans. There are many types of loans for disabled people, but often small, hometown banks and credit unions may offer special loan programs with quality terms, interest rates, and other perks.

The Fair Housing Act is a disability law that is designed to stop lenders of any kind from discriminating against you because you are disabled. If you feel that the bank is turning you down for a loan just because you are disabled, you should see a lawyer and ask about this disability law.

Furthermore, Social Security has a program called SSI that acts as loans for people on disability. This program will help you pay for certain expenses such as housing, heating bills, grocery shopping, and other needed living accommodations. These disability loans depend on your personal financial situation.



Also, you can apply for special disability loans from Fannie Mae. These disability loans are actually specialty mortgages that are designed to help people with disabilities to become homeowners. This program offers low down payments which might be a necessity for disabled people who don’t have a lot of extra cash savings but do have steady income that will allow them to make payments on a mortgage.

Another non-profit organization called Habitat for Humanity is also heavily involved in helping low-income people and disabled people gain access to housing. You can reach out to your local Habitat for Humanity chapter to see if they have any current programs for disability loans.

Disability Loans

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Where to Find Grants for Disabled People?

The nonprofit organization sector is continually growing, and disability grants are getting easier and easier to find every year. If you have a quality idea to help your family and other people with disabilities, you might be able to find grants for disabled people.

One of the best websites to search for disability grants is Grant Watch. This program has a wealth of information on different disability grants that are available from both private and public donors. You can narrow your search for grants for disabled people by geographic region and also choose which type of funding source you are most interested in finding.

Another great resource for disability grants is through Ability Mission. This independent organization offers a free, downloadable e-book that will walk you through the process of finding and applying for grants for disabled people.

According to Ability Mission“No matter what type of grant you’re seeking, you must make your case in writing. And you must do it well. This is where we can give you real, concrete help, all at no cost to you. We know for a fact from the 2,000+ stories we’ve published that many visitors just want to fill out a simple government grant application and get some quick money. It just ain’t that simple, but we can help you through the process.”



Where Can You Find Information on Disability Housing and Disability Loans?

One of the most important aspects of defending your disability rights is through learning what benefits disability law offers. Once you have learned what disability law says, you will also need to know where you can go to find information on disability housing and disability loans.

It can be confusing trying to navigate through so many different government and non-government programs with seemingly unlimited amounts of requirements, conditions, and obligations. In many cases, applying for disability loans could take you months of applications if you don’t know what to look for.

Fortunately, there are a few disability rights websites that keep up-to-date information on the different disability loans and other programs that are available.

Disabled-World.com is one of the leaders in disability rights. Their website is loaded with tons of information to help you find the right program you are looking for. With this website you can search an A-to-Z menu with pretty much everything you need to know about how to defend your disability rights.

Another organization that exists to help protect disability rights and ensure that disability law is upheld is the U.S. Department of Labor. Their website also offers up-to-date information on governmental programs that currently exist to help people with any sort of disability, though their focus is on employment-related topics.

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Conclusion – Know Your Disability Rights and Disability Law to Get Access to Disability Loans and Disability Grants

Living with a disability shouldn’t mean that you can’t enjoy the same opportunities as other people. While having a disability does present serious challenges, there have been major gains regarding disability law and disability rights during the last decades.

The passing of the Americans with Disability Act was a milestone in disability law and forms the groundwork for the protection and defense of disability rights. Furthermore, numerous non-profit organizations and other associations exist to help people with disabilities find ways to gain access to employment, fair and affordable housing, grants, and other benefits.

If you live with a disability, in this article you will find more than enough information to help you start on the path of finding the funding, resources, and tools you need to defend your disability rights. If you still feel that you need more information, any of the websites that we linked to throughout the article should also give you detailed information on the different disability laws and programs that exist to benefit you.

The best way to continue to advocate for disability rights is through demanding that your rights continue to be respected and upheld. And one of the best ways to do that is through finding programs that offer you equal opportunities for a fulfilled life.



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