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Top 10 Things Families Raising Kids with Disabilities Are Missing Out On


Published: Nov. 20, 2023Updated: Aug. 9, 2025

One of the most important things that Undivided Navigators help with is identifying what supports are available that a family might not even know about. From lesser-known funding programs to useful tools and resources, there are many supports in California for families raising kids with disabilities! We asked Jen and Swati, two Undivided Navigators and parents of kids with disabilities themselves, about the top 10 resources families should see if they are eligible for so that they don’t miss out.

Commonly overlooked public benefits for families of kids with disabilities in California

1. Do you know about these surprising Regional Center benefits after age 3?

Many parents have the misconception that after their child finishes the Early Start program, they are done with Regional Center. A lot of families don’t realize that their child could qualify for continued Regional Center benefits under the Lanterman Act. After age 3, eligibility requires a diagnosed developmental disability that constitutes a substantial disability for that child.

A child who qualifies for Regional Center after age 3 is likely to be eligible for Medi-Cal, respite services, social skills activities, and much more. Did you know that Regional Center can provide social-recreational funding for summer camps, increased benefits during breaks and summer, and educational therapy?

Keep in mind that each Regional Center has a slightly different process, and service coordinators don't always do a great job guiding parents through everything that’s available. Undivided Navigators help make sure families know all the requirements and what they’re eligible for, so they can get set up with more services.

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Explore Regional Center services
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What services may be available at your Regional Center, and how do you request them? Follow Undivided's step-by-step walkthrough!

2. Ditch the three-ring binder and organize everything you need digitally.

Having the right documents when you need them is absolutely essential. It’s so frustrating to meet with your Regional Center service coordinator, and they don't mention that you need something until you are sitting in front of them. And if you don't have it, it delays the process even further.

This is where Undivided’s digital binder comes in handy. You can store all your child’s important documents in here and access them from anywhere, whether that’s in the middle of a meeting, at the doctor’s office, or in an emergency.

Navigator Jen says, “I absolutely love the organization of the Undivided digital app! It's so convenient for on the go with our mobile app, and it’s awesome how I can share pieces of information and documents electronically with any provider I want. Total time saver!”

How Undivided helps parents organize

To get a quick tour of the Undivided app and binder, check out this video:

3. Should your child be on the Medi-Cal waiver?

Some parents think their child won’t qualify for Medi-Cal because their household makes too much money. The great news is that the Medi-Cal waiver bases eligibility on your child's disability, not your income. Accessing the Medi-Cal waiver also unlocks other benefits like In-Home Support Service (IHSS) and much more.
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Apply for the Medi-Cal waiver (HCBS-DD)
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If your child is a Regional Center client, they may qualify for the HCBS-DD Medi-Cal waiver. Follow Undivided's step-by-step walkthrough to apply and get expert tips for the enrollment process.

4. Don’t think Medi-Cal can benefit your family? Think again!

For many families of children with extra support needs, it can be overwhelming to enroll in public benefits like Medi-Cal. There are too many steps, too many forms! If you already have primary health insurance, do you really need Medi-Cal too?

We think it's worth it! We have seen Medi-Cal fund DME and incontinence supplies to save families a ton. Plus, Medi-Cal as secondary insurance can help cover co-pays that you would otherwise pay out of pocket.

If you’re still feeling a little overwhelmed, the great news is Undivided will break various programs down for you in a digestible way with a step-by-step guide. Your Navigator can hold you as accountable as you want to, so you’ll be able to complete the process in the most efficient way possible.

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Use Medi-Cal and private insurance together
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Get expert tips for using Medi-Cal as secondary insurance in Undivided's step-by-step guidance.

5. IHSS can provide up to $60,000 a year for some families — are you missing out?

So many parents don’t realize that their child would qualify for IHSS or that they can get paid as a parent provider to provide care in their home.

The Undivided platform has step-by-step guides for you to follow and get all the information you need to apply for IHSS protective supervision, paramedical services, become a parent provider, and more. We also have a Public Benefits Specialist on staff for members to consult with if they get denied and need to appeal an IHSS decision.

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Apply for In-Home Supportive Services (IHSS) after enrolling in Medi-Cal
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New to IHSS? Follow these simple steps with expert tips on all the forms you need to fill out, what to expect from the home visit, and more.

6. Are you paying for medical supplies out of pocket?

Regional Center or Medi-Cal might pay for diapers?! Yes! Most parents don’t know that specialized supplies prescribed by a doctor can be covered by public benefits as a payer of last resort — not only diapers but also incontinence supplies like mattress protectors, g-tube supplies, GPS devices for elopers, and much more.

The Undivided app has separate step-by-step guides for you to go through depending on whether you’re using Regional Center or Medi-Cal funding for supplies.

Public Benefits goal
Receive incontinence supplies from Regional Center (with Medi-Cal)
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Regional Center clients must meet certain criteria in order to have incontinence supplies covered. Learn what the requirements are and how to apply for this funding.
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Receive incontinence supplies from Regional Center (no Medi-Cal)
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Learn how to see if private insurance will cover incontinence supplies like diapers, and if not, review the process for requesting funding from Regional Center.
Jen says, “This is a huge money saver for parents! Diapers are so expensive!”

7. Not getting enough support from Regional Center? Self-Determination may be the answer.

Regional Center’s Self-Determination Program is available for every child who is eligible for services under the Lanterman Act. We know it can be intimidating to get started and set everything up to take advantage of this program. An Undivided Navigator can walk you through how the whole process works, and we even have a list of Independent Facilitators you can interview if you are ready to jump in! In fact, we previously had a live event on this exact subject. Check out the recap here in our resources library.
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Explore if the Self-Determination Program (SDP) is right for my child
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Wondering how SDP works, what the benefits are, and whether it's worth the effort to set up? Learn more in Undivided's step-by-step walkthrough.

8. You don't have to IEP alone!

As parents, we know we have rights to advocate for our children’s education, but it’s easy to feel intimidated by the professionals. Some parents do not feel confident in how to approach teachers and administrators without being adversarial. But remember: you are legally a member of the IEP team, and every decision must include you!

At Undivided, we have many guides that will walk you through how to prepare for your IEP, how to request a 1:1 aide, how to make sure your child's IEP is being followed, and so much more. Every Navigator’s goal is to help parents become confident advocates for their children! If you need a little extra support, we have an Education Advocate on staff. We also have a list of education attorneys we can recommend if legal help is needed.

Education goal
Prepare for my annual Individualized Education Program (IEP) meeting
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Have an IEP meeting coming up? Get all of Undivided's best tips for goals, services, accommodations, and more in our step-by-step walkthrough that will help you prepare for your IEP meeting like a pro.

9. Get help tackling that stack of insurance paperwork.

If your child’s physician recommends a therapy, you may have no idea whether your health plan covers it. And how does your plan work with Medi-Cal as secondary insurance? Benefits are already tricky, and when your child has a disability and/or health issues, it can be overwhelming to understand the coverage for your child's therapies — not to mention the appeal process for a denied claim!

Undivided’s Director of Health Plan Advocacy is available for members to hire for help with private insurance and Medi-Cal. She will not only help you understand your coverage and provide advice, but she can also do an audit of your past claims and even submit them for you!

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Review insurance coverage
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What does your health plan cover, and how do you keep track of deductibles, session limits, and preauthorization requirements? Follow Undivided's step-by-step guidance with a worksheet and expert tips to help you understand your coverage.

10. Does planning for your child’s future keep you up at night? It doesn't have to.

Parents don’t want to worry about what will happen to their children in unforeseen circumstances. Maybe you have heard of a special needs trust, ABLE account, or conservatorship, but you don’t know if it’s something that you should set up for your child.

It's so reassuring to have peace of mind that your child’s needs will be taken care of! Check out our future and financial planning articles that will explain all of these topics with easy-to-understand examples and insights from professionals in the field. Undivided members also benefit from a list of attorneys who come highly recommended from families in our community.

Family & Life goal
Plan for my child's financial future
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Follow Undivided's step-by-step walkthrough to learn more about ABLE accounts, special needs trusts, and other estate planning tools so that you feel confident setting up everything your child will need for their future.

The most important thing to remember as a parent is that you don’t have to do this alone. Undivided is here with expert-backed resources, 1:1 coaching when you need it, and a supportive community to help you.

If you don’t have an Undivided account already, get started here!

Contents


Overview

1. Do you know about these surprising Regional Center benefits after age 3?

2. Ditch the three-ring binder and organize everything you need digitally.

3. Should your child be on the Medi-Cal waiver?

4. Don’t think Medi-Cal can benefit your family? Think again!

5. IHSS can provide up to $60,000 a year for some families — are you missing out?

6. Are you paying for medical supplies out of pocket?

7. Not getting enough support from Regional Center? Self-Determination may be the answer.

8. You don't have to IEP alone!

9. Get help tackling that stack of insurance paperwork.

10. Does planning for your child’s future keep you up at night? It doesn't have to.
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Author

Brittany OlsenUndivided Content Editor

Reviewed by: Lindsay Crain, Head of Content and Community at Undivided

Contributors:

  • Jennifer Newsome, Undivided Navigator
  • Swati Vembakkottai, Undivided Navigator

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Each piece of content has been rigorously researched, edited, and vetted to bring you the latest and most up-to-date information. Learn more about our content and research process here.
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