Government Funded Programs
The government has provided us with many welfare programs over the years. These programs are great because they help lower-class citizens in times of trouble. Eighty billion dollars for education grants was raised in 2014 alone (Oliff et al. 2017). This is not including other extraneous programs offered by our government. There are many of these programs and it’s hard to keep track. In this essay we will go over six of what I view as the most beneficial programs offered by our government.
SNAP “Supplemental Nutrition Assistance Program” is a program that is used to help people that can’t afford food. SNAP provides food stamps for citizens that are under a specified income level. Food stamps help families get the food they need when they go through times that they can’t afford it. Food stamps are usually issued in card form that can be used at grocery stores for only food items. Before receiving food stamps, you must meet certain requirements before applying for SNAP. If you are a non-citizen, that obtained permanent residency in the United States, you are eligible for food stamps. If you’re pregnant, disabled, elderly, or under 18 you don’t have to have employment. However that comes with a few exceptions (Eligibility, 2017). The Center on Budget and Policy Priorities states that gross assets and resources must also be under $2,250 at the time (2018). Food stamps are considered to be a non-contributory welfare program. You would not have to pay tax towards the program, and non-citizens are also able to have these benefits. Food stamps are an awesome program that helps millions of people every year. But you must be careful because there are many limits on eligibility. When applying, you are required to be 130% below the poverty line or lower (Budget and Policy Priorities, 2018). And there’s a limit for how much money in assets you can have. For example, if your house is worth over a certain amount, it is possible that you may not be eligible for receiving SNAP (Hirby, 2018) If I were to change something about the program and its requirements, I would alter the income requirement.
Medicaid is a welfare program that offers affordable health care for low income families. Before 2010, when the Affordable Care Act was implemented, income eligibility was limited and it alienated those that needed the government assistance the most. When applying for Medicaid, citizenship isn’t required, although there are a few exceptions for non U.S. citizens when applying (Medicaid, 2018). The official U.S. Government Medicaid website states that, applicants must be under the age of 65 and be 133% below the poverty line in order to have the benefits (2018). Medicaid is a non-contributory program that is not funded by state and federal taxes (Medicaid, 2016). Medicaid is important for low income families that struggle to make enough money to survive. Removing that benefit would be dangerous and could be a matter of life or death. Health is more important than money and Medicare helps you take care of your health, even when you can’t afford it. I love this program and wouldn’t make any changes to it.
WIC “Women, Infants, and Children” is a government funded, non-contributory welfare program. WIC offers Federal grants for health care referrals, supplemental foods, education and nutrition. This program is for low-income pregnant, postpartum women, breastfeeding, non-breastfeeding, children up to age five and infants who have nutritional deficits. Some of the requirements for this program consist of nutritional risk, between 100% and 185% of the federal poverty income (USDA 2018). Applicants don’t have to be U.S. citizens for this program. Under certain residency requirements they can get the benefits without citizenship (USDA 2018). Another requirement is that mothers must have poor nutritional health. This is a requirement that I would change in this program. This program also doesn’t require taxpayers’ money for funding, which makes this a non-contributory program. This program has a great need in our country. Pregnant women should be given top priority because they are carrying life.
The Pell grant is a grant for college students that they are not required to pay back (The Pell Grant,1999). However, you must meet the requirements of the program and stay enrolled for the grant period (The Pell Grant,1999). The Pell grant helps students of low income to be able to have the same opportunity for education as someone with a higher income. To apply for the Pell grant, you must submit a FAFSA free application for federal student aid. This will determine the students financial need and the expected family contribution (The Pell Grant,1999). In order to receive the Pell Grant you must meet the following conditions. You must be an undergraduate student enrolled in a college or university and cannot have a bachelor degree. You must have a good academic standing and have at least one credit each term (Empire State College,2018). You must have a social security number and you must be a national or permanent resident and citizen (Empire State College, 2018). The EFC ” Expected Family Contribution” should determine their financial need in accordance to, attendance cost, and enrollment status. You cannot own money on federal loans or owe refunds to any financial aids (Empire State College, 2018). You must comply with registration requirements and have a general education diploma or a high school graduation certificate. Lastly you must not have passed the federal Pell lifetime eligibility limit (Empire State College, 2018). The Pell Grant is an awesome way for students to have the opportunity to go to the college they want without feeling the pressure of a loan they must pay off. It is a necessary program and I would not make any changes to it.
Unemployment insurance helps people who have been lost their job through no fault of their own (Unemployment Compensation, n.d). It gives them payments for a limited time until they find a new job. This provides a way for the worker to look for a job without suffering financial loss (Unemployment Compensation, n.d). In order to qualify for unemployment insurance you must meet these requirements; you must be partially or completely unemployed, during your unemployment you must work twenty hours in covered employment (Ohio Department of Job.., n.d). You must also be unemployed through no fault of your own. And if at some point you have a benefit account, you must reestablish as a worker and work the appropriate amount time since the account began (Ohio Department of Job.., n.d). This program is contributory and is funded by taxes on employers. If I could change something, I would change the fact that you can be partially unemployed and make it so that you must be completely unemployed. (Unemployment Compensation, n.d)
The FHA “Federal Housing Administration” is an administration that gives loans though the approved FHA lenders throughout the United States on mortgage insurance (HUD, n.d). To get this loan you must meet sufficient credit requirement and have a consistent payment history. You must be able to put a down payment of at least 3.5% (Davis, 2013). Also, you can only have a housing ratio of 30% maximum on home loans (Davis, 2013). Your DTI “debt to income” ratio has a maximum of 36% (Davis, 2013). You must be able to meet the required interest rates and mortgage insurance premiums rates of 1.75% upfront (Davis, 2013). Your home must pass a home inspection in order to receive the loan. The FHA is a contributory administration that if funded when you buy a mortgage from the FHA. I believe this is a necessary administration because it helps people become homeowners and would change anything.
As much as we can have distain and disapproval for our government. We must admit that the administrations they provide benefit its citizens. And these administrations are in the best interest of its citizens.
Oliff, P., Robyn, M., & Thiess, R. (2017, March 7). Federal Support for Higher Education
Comes From Spending Programs and the Tax Code. Retrieved from https://www.pewtrusts.org/en/research-and-analysis/articles/2017/03/07/federal-support-for-higher-education-comes-from-spending-programs-and-the-tax-code
Eligibility for Food Stamps, or the Supplemental Nutrition Assistance Program (SNAP). (2017,
October 25). Retrieved from https://eligibility.com/food-stamps
A Quick Guide to SNAP Eligibility and Benefits. (2018, October 16). Retrieved from
Hirby, J. (2018, May 21). When You Apply for Food Stamps, Do You Need to Account for
Expenses Like Life Insurance and Phone Bills? Retrieved from https://thelawdictionary.org/article/when-you-apply-for-food-stamps-do-you-need-to-account-for-expenses-like-life-insurance-and-phone-bills/
Eligibility. (2018). Retrieved from https://www.medicaid.gov/medicaid/eligibility/index.html
Finance (2016, October 4). Retrieved from
USDA (2018, October 17). Retrieved from
Davis, C. (2013, January 16). Your Guide to FHA Loans. Retrieved from
Federal Pell Grant Eligibility Requirements. (2018). Retrieved from
Employment Compensation. (n.d.). Retrieved from
Establishing Eligibility for Benefits. (n.d.). Retrieved from
The Pell Grant. (1999). Retrieved from http://www.collegescholarships.org/grants/pell.htm