National Disability Institute (2018). Information Brief: Addressing the Needs of Americans with Disabilities in Financial Capability Programs. Authored by N. Goodman, N. Canfield and M. Morris. Washington DC: National Disability Institute and FINRA Investor Education Foundation. https://www.nationaldisabilityinstitute.org/reports/fin-found-fin-cap-brief/.
Americans with disabilities face significant barriers to financial wellness. They are less likely than those without disabilities to be employed, and more likely to have low incomes, have difficulty making ends meet, have past due medical bills, lack access to emergency funds, use non-bank borrowing methods and have a lower level of financial knowledge.
These findings—described in detail in Financial Capability of Adults with Disabilities, a 2017 report by National Disability Institute (NDI) based on the FINRA Investor Education Foundation’s National Financial Capability Study—identify challenges to financial well-being for people with disabilities that go above and beyond the challenges faced by others with similar incomes.