Time Frame Breakdown

10:00 AM - 10:03 AM: Introduction and Session Overview

1. Welcome and Introduction:
   • “Good morning, everyone! I’m [Therapist’s Name]. Thank you for joining today’s session. We have 30 minutes to cover some valuable financial wellness strategies.”
2. Overview of Today’s Topics:
   • “We’ll focus on budgeting basics, reducing unnecessary expenses, and saving strategies. Let’s dive in!”

10:03 AM - 10:10 AM: Creating a Monthly Budget

1. Why Budgeting Matters:
   • “A solid budget is key to financial success. It helps you track your income and plan for expenses, so there are no surprises.”
2. Quick Guide to Budgeting:
   • “List your income sources, then list your essential expenses. For example, if your income is $2,500, allocate funds to rent, utilities, groceries, etc.”
3. Budgeting Tools:
   • “Using budgeting apps or spreadsheets can make this process easier. We’ll send out some recommended tools after the session.”

10:10 AM - 10:18 AM: Identifying and Reducing Unnecessary Expenses

1. Tracking Spending:
   • “Keep track of where your money goes. Use a notebook, app, or bank statements to see where you might be overspending.”
2. Common Expense Pitfalls:
   • “Things like daily coffee, dining out, or unused subscriptions can add up. Consider cutting or reducing these to save money.”
3. Practical Tips for Reducing Costs:
   • “Try a ‘no-spend day’ once a week or cancel subscriptions you don’t use. These small changes make a big difference.”

10:18 AM - 10:25 AM: Tips for Effective Saving Strategies

1. Set Realistic Savings Goals:
   • “Start small. Even saving $20 a week adds up over time. The key is to make saving a habit.”
2. Automate Your Savings:
   • “Set up automatic transfers to your savings account. If the money is out of sight, it’s out of mind and saved!”
3. The Importance of an Emergency Fund:
   • “Aim to save three to six months of expenses for emergencies. This can prevent financial stress during unexpected situations.”

10:25 AM - 10:30 AM: Q&A and Session Wrap-Up

1. Questions and Answers:
   • “If you have any questions or need clarification, now is the time to ask. Feel free to raise your hand.”
2. Recap:
   • “We discussed budgeting, cutting expenses, and saving money effectively. Remember, small consistent actions lead to big changes.”
3. Final Reminders:
   • “Complete the post-session questionnaire within 48 hours to stay on track. Thank you for your participation, and I’ll see you in the next session!”

End of Session

To qualify, you must be actively enrolled in Medicaid or Medicare. There is no additional income verification required beyond your enrollment in these programs. Once you apply, our team will review your eligibility and guide you through the next steps.

We offer a range of indirect payment programs to help with housing, utilities, childcare, transportation, nutrition, and healthcare support. Our goal is to provide comprehensive assistance tailored to each family's needs, ensuring a holistic approach to wellness.

To get started, you’ll need to apply for our wellness programs. Make sure you’re enrolled in Medicaid or Medicare, as this is a requirement. You can apply directly through our website or contact our team for assistance with the application process.

If the total indirect payment amount exceeds the required funds for housing and utilities, the remainder will be applied to other needs, such as childcare, transportation, or nutritional assistance, depending on your family's specific situation and needs.

Example: Let's say your total indirect payment amount is $2,500 per month. Here’s how the funds might be split:

• Housing: If your rent is $1,500 per month, 100% of your rent would be covered with $1,500 allocated for housing.
• Utilities: If your utility bills total $600 per month, 100% of the utility costs would be covered with $600 allocated.
• Childcare: The remaining amount of $400 would be allocated to cover childcare expenses.

Indirect payments can range from $200 to $3,000 per month, depending on your family size and what you qualify for. The exact amount is determined based on your specific situation and needs.

The timing of indirect payments may vary due to the number of recipients in each group and the administrative processing time required. In some months, the payment may be delayed if there is a high volume of recipients or if processing takes longer than usual. This variability can mean payments might be issued from the 1st to the 15th or from the 15th to the 28th.

If you haven't received your payment within the expected range (either by the 15th or 28th, depending on your group), please ensure you have completed all your required questionnaires and attended your sessions. If everything is in order and there is still a delay, it is likely due to administrative processing. We ask for your patience as our team works to resolve it.

You must actively check your designated accounts to verify the arrival of funds. Since payments are made without notice, it is your responsibility to keep track of them. If you have multiple accounts due to funding for different programs, ensure you check each account carefully.

Missing sessions will directly impact your funding. Since there are 12 sessions each month, missing multiple sessions means you will receive a reduced payment. For example, if you only attend 6 out of 12 sessions, you will only receive half of your indirect payment. It is essential to make every effort to attend all scheduled sessions to receive the full amount.

If you do not complete the questionnaire within 48 hours, your funding will be delayed. Completing the questionnaires on time is crucial for ensuring that payments are processed without disruptions. Delays in submission may push back your funding schedule.

• Yes, your family can join the financial therapy sessions together. You do not need to log in separately; everyone can participate on the same call. This makes it easier for families to stay engaged and receive the support they need.

To receive the full indirect payment, you must:

• Attend all 12 financial therapy sessions each month.
• Complete and submit the weekly questionnaires on time.
• Participate in the monthly group follow-up session.
• Following these steps will ensure that your funding is not reduced and arrives as scheduled.

• If you need to miss a session due to an emergency or unavoidable conflict, notify us as soon as possible. While missed sessions will affect your funding, communicating in advance may allow us to accommodate you in some way or provide alternative options.

If you have any questions about your payments or the program, please reach out to our support team. We are here to assist you with understanding the process, ensuring your documentation is complete, and helping with any issues that may arise.

Not completing questionnaires or missing sessions can result in delayed or reduced payments. You must complete all required forms and attend your sessions to ensure timely and full funding.

If processing times extend beyond 15 days, it is important to be patient. Delays can occur due to high volumes of recipients and administrative processing. Please be assured that our team is working diligently to complete payments as quickly as possible.

• Sessions are short, lasting no more than 45 minutes. Missing sessions will result in a reduction of your funding. To maximize your indirect payment, it is important to attend all scheduled sessions.

Attending all scheduled sessions is crucial because missed sessions will directly decrease your funding. Each month, there are 12 scheduled financial therapy sessions. If you only attend 6 sessions, you will only receive half of the indirect payment. Showing up to all appointments ensures you receive the full amount.

Completing your weekly questionnaires is essential for processing your paperwork. If questionnaires are submitted late, your funding will be delayed until the paperwork is complete. You have 48 hours to complete any questionnaires before it begins to affect your payment schedule.

Due to the variability in payment dates, it’s crucial to plan accordingly and pay your bills on time. Payments may take longer than expected, especially if processing times extend beyond 15 days. It’s important to be patient and allow the processing team to complete their work.

Funds are deposited directly into one of your designated accounts without notice. It is your responsibility to check and verify that the funds have been received. If you are receiving funding for multiple programs, make sure to check all relevant accounts.

Indirect payments typically arrive between the 1st and 15th of the month, depending on your group date. However, in some cases, payments may be made between the 15th and 28th. The timing can vary based on the number of recipients in the group and the processing time.

Indirect payments begin after the first month, which is a trial period. You will start receiving payments monthly from the second month onward.

Yes, all of your feedback will be kept strictly confidential. We use your responses only to improve our programs and ensure that your experience is as beneficial and supportive as possible.

You will need to have the Zoom app installed on your device. Make sure your software is up-to-date to avoid any technical issues when joining the sessions. If you need help installing or using Zoom, please contact our support team.

Absolutely! We encourage you to save the weekly emails for reference, as they contain important information, links, and resources that you may need throughout the week.

Your feedback will be used to assess the program’s impact on your stress and overall well-being. It will also help us make any necessary adjustments to ensure the sessions continue to meet your needs and promote your health effectively.

If you’re unable to complete the sheet on time, please let us know. While it’s important to keep up with progress tracking, we understand that unexpected circumstances can arise, and we are here to accommodate as needed.

Yes, we ask that you submit the completed question and answer sheet by the end of each week, typically by Sunday night. This helps us review your feedback and plan for the following week’s sessions.

The questions are simple and straightforward, focusing on your experiences, challenges, and how the program has helped manage your stress. Examples may include, "What strategies from this week’s session helped you the most?" or "How would you rate your stress levels this week?"

The weekly question and answer sheet helps us track your growth in financial therapy and evaluate how the program is impacting your overall well-being, especially your stress levels. This information is crucial for tailoring the program to your needs and ensuring its effectiveness.

• If you don’t receive the email by Sunday evening, please check your spam or junk folder first. If you still can’t find it, reach out to our support team, and we will resend the information promptly.

Yes, and it’s very important! We value your honest feedback on how the program is helping to manage your stress. This information helps us understand the effectiveness of our sessions and allows us to make any necessary adjustments to better support you.

• If you experience any technical difficulties, please contact us immediately so we can assist you. We want to ensure everyone has a smooth experience and can fully participate in the program.

• The sheet is designed to be brief and easy to fill out, taking just a few minutes of your time. It’s a simple but crucial part of tracking your journey and ensuring the program is effective for you.

The question and answer sheet is a short, simple form that helps us monitor your progress and gather feedback on how the financial therapy is benefiting you. The most important question on the sheet asks how the program is helping to reduce your stress.

Yes, after each week, you will need to complete a weekly question and answer sheet. This sheet is designed to track your progress in financial therapy and understand how the program is impacting your stress levels.

To join the sessions, simply click on the Zoom link provided in the weekly email at the scheduled time. There’s no need for any additional steps—just click and join!

Every Sunday, you will receive an email containing the weekly schedule. This email will include:

• The Zoom link for all your financial therapy and group follow-up sessions.
• An email summary of the upcoming lesson.
• Additional resources to support your wellness journey.

The financial therapy and group follow-up sessions are designed to provide consistent support, promote financial wellness, and encourage community engagement. Your participation is essential for achieving the program’s goals.

The program includes 12 financial therapy sessions per month, held three times a week, and one group follow-up session every month on the weekend.

To maintain privacy during the group follow-up session, you can choose to keep your video off, and your microphone will be muted throughout. This ensures a comfortable environment for all participants.

Yes, family members can join the financial therapy sessions together. There is no need to log in separately; everyone can be on the call at the same time, making it more convenient for families to participate.

If your question cannot be answered during the session, you are encouraged to leave feedback on our website so we can follow up and provide a detailed response.

The 45-minute group follow-up session, held once a month on a weekend, is also mandatory. However, for privacy, you are allowed to keep your video off, and your microphone will remain muted at all times. If you have a question during the session, you can raise your hand, and the provider will try to address it.

Yes, the 30 to 45-minute financial therapy sessions held three times a week are mandatory. These sessions aim to provide essential financial wellness support and are a core component of our program.

• The program consists of monthly family assistance, financial therapy sessions, and a group follow-up session. Specifically, participants will engage in:
  • 12 financial therapy Zoom sessions (30-45 minutes each), held 3 times a week.
  • One 45-minute group follow-up session each month, scheduled on a weekend.

After submitting your application and documentation, our team will review your information and notify you of your eligibility status. If approved, we will guide you through the enrollment process and explain how to get started with our wellness services.

Yes, as long as you are enrolled in Medicaid or Medicare and space is available, you can participate in multiple programs that align with your health and wellness needs.

Once your eligibility has been confirmed, you will receive a notification via email or mail. This message will include details on the next steps and how to begin participating in our programs.

Some of our wellness programs may have a waiting list due to high demand. If there is a waiting list, you will be informed and given an estimate of how long it might take before you can start participating.

No referral is needed to enroll in our wellness programs. Simply being enrolled in Medicaid or Medicare is sufficient to qualify.

If your Medicaid or Medicare coverage changes or is discontinued, please notify us immediately. Continued eligibility for our wellness programs requires active enrollment in either Medicaid or Medicare.

To apply, visit our website or contact us directly. You’ll be asked to fill out an application form and provide proof of your Medicaid or Medicare enrollment. Our team will review your application and notify you about your status.

Unfortunately, our wellness programs are currently only available to individuals enrolled in Medicaid or Medicare. If you have private insurance or no insurance, you will not qualify.

No, there is no additional income requirement for our wellness programs beyond your enrollment in Medicaid or Medicare. If you are eligible for these benefits, you qualify for our programs.

Yes, you will need to provide documentation, such as your Medicaid or Medicare benefits card or an official letter of enrollment, to verify your eligibility for our wellness programs.

To qualify for our wellness programs, you must be currently enrolled in Medicaid or Medicare. Our programs are designed specifically to support individuals who receive these forms of health coverage.

Yes, the summary letter can be downloaded or printed directly from the website for your convenience. Look for a download or print option in the footer section where the letter is posted.

The summary letter provides essential information for clients who are enrolled in government assistance programs, ensuring they understand how our services are structured and how they can participate without affecting their benefits. It also offers guidance on how to seek personalized advice from the Social Security Administration (SSA).

The letter includes an overview of our wellness programs, details about the indirect payment structure, guidance on maintaining SSDI benefits, and contact information for further support. It is designed to provide transparency and assist clients in understanding how their benefits may be affected.

Scroll to the very bottom of the home page, and you will find the footer section. The summary letter will be listed there, clearly labeled for easy access.

The summary letter outlining how our wellness programs and indirect payments interact with Social Security Disability Insurance (SSDI) benefits is located at the bottom of our website in the footer section.

No, the SSA provides information about your SSDI benefits and program participation free of charge. Be cautious if anyone outside the SSA requests a fee for this information.

While we can provide documentation and verification letters, Comprehensive Healing Solutions Foundation does not provide legal support. If you face issues with your benefits, consider consulting a qualified attorney or benefits advisor who specializes in SSDI.

Without notifying the SSA, they may interpret wellness participation differently during a review. To be proactive, we suggest informing them to ensure your benefits stay aligned with your health activities, which reduces potential issues.

Generally, participating in wellness programs should not affect Medicare coverage linked to SSDI. However, if your SSDI status changes, your eligibility for Medicare could also be impacted. It’s advisable to discuss any concerns with the SSA to avoid interruptions in coverage.

If the SSA determines that participation in wellness programs impacts your SSDI benefits, you may be able to appeal the decision rather than reapply. Contact the SSA directly to understand your options and confirm steps to retain your benefits.

The SSA periodically reviews benefits eligibility. Review frequency can vary based on individual circumstances, typically occurring every few years. During reviews, it’s important to have documentation like this letter on hand to clarify program participation.

The decision to notify the SSA is yours; however, informing them can prevent any misunderstandings during a future benefits review. We recommend consulting the SSA on whether they need documentation of your participation to avoid surprises.

If the SSA asks for details, let us know, and we can provide a summary letter explaining the purpose of our programs. Our team is here to support you in ensuring the SSA understands these programs are designed to improve health, not employment.

When discussing your wellness program participation with the SSA, emphasize that the program is strictly for health and wellness support, not employment. State clearly that this is not income-generating activity, and confirm with them if further documentation is needed.

While we provide wellness programs designed not to impact SSDI, only the SSA can confirm your benefits status. For absolute certainty, contact the SSA directly, as they have the final say regarding your benefits.