Tag Archives: Financing Options

The Benefits of Owning a Wheelchair Van

Even though wheelchair-accessible minivans can offer greater independence, many wheelchair users are afraid to switch from their car to a mobility vehicle. For some, a car is more fun and the idea of driving a minivan is not all that appealing. Cars also offer a bit of a challenge and are generally less expensive than wheelchair vans, so there is often hesitation to make the change.

Unfortunately, wheelchair users and their caretakers usually have to deal with the hassles of transfers and chair loading when they use a car to get around. This can cause back or shoulder pain for those having to make the transfer and after a while, this can be quite physically taxing.

For those dealing with these daily struggles or those who want to prevent them, switching to a wheelchair-accessible van becomes an easy choice. Take a look at the following benefits and see why you might want to buy a wheelchair van.

Reduced Pain and Fatigue
When a car is the main vehicle used to transport someone in a wheelchair, pain and fatigue can be a serious problem caused by frequent seat transfers. It’s hard to get close enough to a car to make a smooth transfer and if the height of the car seat doesn’t match that of the wheelchair, it can put a lot of stress on the shoulders, back and neck. What could result is joint and muscle pain and eventually arthritis and tendinitis. If getting into your vehicle is too much work or too painful, you might give up doing the things you love to do after a while.

Fortunately, a wheelchair-accessible van can give you your freedom back so you can do all of your favorite things. Because a wheelchair van uses a ramp for entry, there are no transfers from outside of the vehicle and you don’t have to separately load your chair. Once inside the vehicle, the transfer from your wheelchair to the driver or passenger position is much easier since you can pull right up to the seat. Plus, some wheelchair vans even let you drive or sit in the front from your wheelchair, completely removing any need to transfer.

Greater Freedom and Independence
While many people may argue driving a minivan isn’t the “coolest” thing you can do, sometimes other things are more important than image. A mobility van may not always be sporty, fun or stylish, but it offers maximum freedom and independence. Actually getting where you need to go without too much assistance or a physical struggle is more important than how you are able to do it.

Helpful Financing Options
A converted van will most likely cost several thousand dollars more than a standard car, as the conversion price plus higher fuel and insurance costs increase your total spend. While this might deter many people from making the switch to a van, it’s important to consider what you get for the price – greater health, happiness and overall well-being.

Even though a wheelchair-accessible van may seem out of reach, there are programs available that can help you pay for a mobility vehicle. Government programs like Worker’s Compensation, Medicaid Waivers, Vocational Rehabilitation and those with the VA may all be able to help with funding. There are also charities or nonprofits that may be able to help provide fund raising opportunities and some banks or Independent Living Centers offer extended loans or lower interest rates. Used vehicles are an option as well, as many dealers sell old rental vans after a year of use.

People will always have a reason to avoid buying a mobility van, but it might be worth serious consideration. Think about your quality of life and whether easier mobility may improve it. If so, it might be time to make the change.

Adaptive Mobility Equipment Financing Options

Adaptive equipment describes an installed device, in addition to a structural modification, that is necessary for a person with a permanent physical disability to drive or be transported in a vehicle.

Some equipment not thought of as typical adaptive equipment, or equipment which is not available from the factory, that serves a need to operate or ride in a vehicle for persons with disabilities such as but not limited to: assist handles, keyless entry, keyless ignition switch, lumbar support, headrest adjustment, pedal extensions power seats, remote liftgate opener, running boards, seat belt extenders, seat modifications, and special mirrors may be eligible for reimbursement and require additional documentation. You will be notified if additional documentation is needed such as a letter or prescription clearly describing the permanent physical disability requiring this equipment, prepared by a licensed or certified medical professional.

Factory installed options such as air conditioning, running boards, lumbar seats and power windows are not considered eligible under the terms of the program.

Driving is a privilege for people stroke survivors with limited mobility; it provides a sense of stability in their lives so they can regain their independence. They love the flexibility their adaptive mobility equipment provides, but they often face exorbitant costs when it comes to financing the purchase of the equipment.

“The number one reason people with disabilities don’t have access to adequate transportation is because they cannot afford it.” The good news is that funding assistance to purchase adaptive equipment is becoming increasingly available.

Sources of funding determine a person’s “buying power.” Unlike the financing options provided by original equipment manufacturers, Mobility Equipment Dealers, such as such as ourselves, have access to financing options specifically for adaptive equipment purchases; they offer options and solutions for the customer.

Veterans
The Department of Veterans Affairs (VA) offers grants enabling 100% service related disabled veterans to purchase a new or used modified vehicle and adaptive equipment. Automobile grants are available once in the service member’s lifetime and adaptive equipment grants are available for special equipment that may used more than once.  For more information, call 1-800-827-1000 or read the VA’s “Automobile and Special Adaptive Equipment Grants” fact sheet.

State Programs

  • State Vocational Rehabilitation (Voc Rehab) Agencies may be able to assist with the costs associated with purchasing an adaptive vehicle (or adding adaptive equipment to an existing one) if the vehicle is necessary in order for a person to get to and from work.
  • State Assistive Technology Loan Programs may also be able to provide assistance to help pay for modifications to the vehicle.
  • Center for Independent Living (CIL) can provide additional information on programs that may be available in your state.

Government Programs

  • Medicaid: Medicaid is a jointly administered federal and state program that helps with medical costs for some people with limited income and resources. Medicaid benefits differ by state and are approved on a case-by-case basis when a request for funding is presented through a prior approval.
  • Medicare: Medicare is a federal program and in some instances they will pay for adaptive equipment following a specialty evaluation performed by a qualified practitioner. For more information, call 1-800-633-4227.
  • Supplemental Security Income (SSI): SSI offers a Plan to Achieve Self-Support program, or PASS, which helps those with disabilities pay for items or services needed to achieve a specific employment goal – to ultimately return to work.
  • Internal Revenue Service (IRS): Often sales-tax exemptions on equipment purchases and other out-of-pocket costs can qualify for tax deductions as medical expenses. Contact a tax adviser or get literature from the IRS that outlines the tax code for medical equipment by calling 1-800-829-1040 and asking for publications with extensions 3966, 907 and 502.

Workman’s Compensation:
Your insurance or workman’s compensation policies may also pay for vehicle adaptation. Check with your HR department or workman’s comp. organization for more information.

Fundraisers, Charitable Organizations/Churches
These may not be for everyone, but they can be effective and many people have successfully raised the money to pay for a wheelchair accessible vehicle and adaptive equipment using these options.

Automakers Rebate Programs
Many automobile makers are providing people with disabilities a wide range of rebates and incentive programs to cover adaptive equipment installation. Below is an overview of some programs offering rebates or reimbursements for adaptive mobility equipment.

  • Ford Motor Company: The Ford Mobility Motoring adaptive equipment reimbursement offers up to $1,000 off for a vehicle modification. You may also qualify for up to $200 for alert hearing devices, lumbar support, or running boards installed on any new Ford or Lincoln vehicle purchased or leased from a U.S. Ford or Lincoln dealer during the program period.
  • Daimler Chrysler Corporation: Once you have a 2010-2013 Chrysler, Jeep, Dodge, Ram or FIAT vehicle that fits your transportation needs, contact a reputable and qualified adaptive equipment installer to ensure that it can be adapted to meet your needs.
  • General Motors Company Reimbursement Program:  New vehicle purchasers/lessees who install eligible adaptive mobility equipment on their new Chevrolet, Buick or GMC vehicles can receive up to a $1,000 reimbursement for the cost of the equipment.
  • Toyota: The Toyota Mobility Assistance Program provides cash reimbursement of up to $1,000 of the cost of any aftermarket adaptive equipment or conversion, for drivers and/or passengers, when installed on any eligible purchased or leased new Toyota vehicle within 12 months of vehicle purchase or lease.

The decision to purchase adaptive mobility equipment stems from a need for mobility freedom for people with disabilities, including stroke survivors. The purchase process begins with selecting a reputable dealer to provide the adaptive equipment and installation, locating options to finance the purchase, and ends with insuring the adaptive equipment.

Make sure the after-market mobility modifications are professionally installed by a NMEDA mobility dealer. Once the adaptive mobility equipment is financed and installed, notify your insurance agent with a full disclosure of all adaptive mobility equipment installed in the vehicle.

Make sure your auto insurance company provides coverage for the conversion and adaptive equipment. Make sure you request coverage for “special” equipment, not just “handicapped” equipment.

  • “Handicapped equipment” covers only basic equipment such as the ramp or lift, not the lowered floor, kneeling system, lockdown system or other adaptive equipment.
  • “Special equipment” covers the conversion in its entirety. Be sure and send your insurance company an itemized list of every modification (which you can get from the mobility dealership that performed the conversion).

VMi New England Mobility Center is an advocate for mobility and accessibility for drivers with disabilities. If you need help with converting or buying a wheelchair accessible car, truck or van, please contact us at 508-697-6006  info@newenglandwheelchairvan.com

The Benefits of Owning a Wheelchair Van

Even though wheelchair-accessible minivans can offer greater independence, many wheelchair users are afraid to switch from their car to a mobility vehicle. For some, a car is more fun and the idea of driving a minivan is not all that appealing. Cars also offer a bit of a challenge and are generally less expensive than wheelchair vans, so there is often hesitation to make the change.

Unfortunately, wheelchair users and their caretakers usually have to deal with the hassles of transfers and chair loading when they use a car to get around. This can cause back or shoulder pain for those having to make the transfer and after a while, this can be quite physically taxing.

For those dealing with these daily struggles or those who want to prevent them, switching to a wheelchair-accessible van becomes an easy choice. Take a look at the following benefits and see why you might want to buy a wheelchair van.

Reduced Pain and Fatigue
When a car is the main vehicle used to transport someone in a wheelchair, pain and fatigue can be a serious problem caused by frequent seat transfers. It’s hard to get close enough to a car to make a smooth transfer and if the height of the car seat doesn’t match that of the wheelchair, it can put a lot of stress on the shoulders, back and neck. What could result is joint and muscle pain and eventually arthritis and tendinitis. If getting into your vehicle is too much work or too painful, you might give up doing the things you love to do after a while.

Fortunately, a wheelchair-accessible van can give you your freedom back so you can do all of your favorite things. Because a wheelchair van uses a ramp for entry, there are no transfers from outside of the vehicle and you don’t have to separately load your chair. Once inside the vehicle, the transfer from your wheelchair to the driver or passenger position is much easier since you can pull right up to the seat. Plus, some wheelchair vans even let you drive or sit in the front from your wheelchair, completely removing any need to transfer.

Greater Freedom and Independence
While many people may argue driving a minivan isn’t the “coolest” thing you can do, sometimes other things are more important than image. A mobility van may not always be sporty, fun or stylish, but it offers maximum freedom and independence. Actually getting where you need to go without too much assistance or a physical struggle is more important than how you are able to do it.

Helpful Financing Options
A converted van will most likely cost several thousand dollars more than a standard car, as the conversion price plus higher fuel and insurance costs increase your total spend. While this might deter many people from making the switch to a van, it’s important to consider what you get for the price – greater health, happiness and overall well-being.

Even though a wheelchair-accessible van may seem out of reach, there are programs available that can help you pay for a mobility vehicle. Government programs like Worker’s Compensation, Medicaid Waivers, Vocational Rehabilitation and those with the VA may all be able to help with funding. There are also charities or nonprofits that may be able to help provide fund raising opportunities and some banks or Independent Living Centers offer extended loans or lower interest rates. Used vehicles are an option as well, as many dealers sell old rental vans after a year of use.

People will always have a reason to avoid buying a mobility van, but it might be worth serious consideration. Think about your quality of life and whether easier mobility may improve it. If so, it might be time to make the change.

Financing Options for Wheelchair Vans Massachusetts and New England

Financing Options

The New VMI Northstar Wheelchair van Conversion Toyota Sienna financing options

DID YOU KNOW? In most towns you are exempt from excise tax if you don’t pay state sales tax on your mobility van. See the bottom of this page for a list of most cities and towns in MA and RI for you to check on your options.

VMi New England offers on-site bank financing. Our goal is to provide you with the vehicle that will fit your needs. Here are some financing options we have available for you on-site:

CONSUMER LOANS – We offer adaptive mobility van banking programs that can offer up to 10 years financing on a wheelchair handicap van. Even if your credit is less than perfect we will work hard to get you financed!!

INDEPENDENT LIVING CENTERS – A nonprofit organization that helps grant people money so they can maintain an independent lifestyle.

INDEPENDENT MOBILITY SYSTEMS – IMS used to offer long-term financing on all new purchases. All loan transactions are done on-site and guaranteed to help fit your needs.

INSURANCE COMPANIES – We will help you work with your insurance company to make sure you are receiving the maximum your benefits allow.

KNIGHTS OF COLUMBUS – May be able to help to familles that have children with disabilities. (up to age 20)

MANUFACTURERS REBATES – Major manufacturers often offer rebates. We’ll help you process all paperwork.

MEDICAID – In certain instances, Medicaid will pay for vehicle adaptive equipment. This falls under the “Medicaid waiver” and each state administers this program differently. We will be able to process you Medicaid claims for you as of January 2003.

PFS – Patient Financing offers long-term financing fit for your budget. PFS will finance any medical related equipment up to $25,000.00.

TOYOTA FINANCING– We can now get financing on Toyota Sienna wheelchair vans.

VETERANS ADMINISTRATION – Provides help for veterans.

VOCATIONAL REHABILITATION – A State funded organization that’s goal is to provide individuals with the means they need to get back into the workforce.