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Financial assistance for pregnant mothers offers support during a critical time. Find twenty-seven resources that could make your budget stretch further.
Help with money could mean finding ways to replace income if you cannot work or make your dollars last longer by reducing expenses for critical needs.
Free programs make it easier to get prenatal care and safely deliver your baby in a hospital setting without large medical bills to pay after birth.
Help with housing makes it easier to afford a decent, safe place to live but may require you to find a local agency or non-profit with availability.
Pregnant and Need Help with Money
Women who are pregnant and need help with money can find many possible resources. The financial assistance could replace lost income or reduce monthly expenses that stretch your dollars further.
Request a personal loan (Affiliate Link) if you are pregnant and need money fast. Private lenders can move more quickly than government agencies. If approved, you could have cash in your checking account within days instead of weeks or months.
To speed the process up, make sure to have these items handy.
- Employer name and address
- Driver’s license number
- Bank account and routing number
Be careful about borrowing money as you will need to repay the loan with interest, which requires an ongoing income source.
Women who are pregnant and need money can obtain cash benefits more slowly by applying for Temporary Assistance for Needy Families (TANF) through their local government agency.
TANF provides monetary aid to pregnant women and families with dependent children to help pay for food, shelter, utilities, and other expenses. Each state administers the program locally.
Help with Income
Pregnant mothers have multiple resources that could help with money by replacing a portion of income if you are unable to work or lost your job recently.
State short-term disability could help expectant mothers replace a portion of their income if a pregnancy-related medical condition made it impossible for them to continue working.
- Medical complications that occur before her due date
- Recovery from labor and delivery (childbirth)
- Postpartum medical disorders that delay return to work
Only eight states have a temporary disability program, but they combine to cover about 26% of workers because of their large populations: CA, HI, MA, NJ, NY, RI, and WA.
Maternity leave laws in the USA help pregnant women with money in three critical areas. It pays to learn about these regulations because geography and employer size could affect your legal rights.
- Paid family leave benefits to replace income while caretaking
- Job protections lasting twelve weeks or longer while taking time off
- Continuation of job-based group health insurance
Unemployment compensation can help pregnant mothers by replacing a portion of their income while they are not working. However, the reason you are unemployed affects your eligibility.
- Women laid off qualify for unemployment provided they remain physically capable of working
- Women who quit their jobs for a medical reason will be ineligible until they recover
- Collecting unemployment during maternity leave is never viable because you still have a job under the law
The key to making money while pregnant and unemployed is a self-help approach that all mothers-to-be can embrace. A side gig puts you in control of your destiny.
A low-stress computer-based task can help you earn money while unemployed on bed rest: research online and offline gig opportunities. Companies are always happy to pay reliable freelancers who do quality work.
Help with Expenses
Pregnant mothers also have multiple resources to help with money by reducing many of their everyday living expenses. Apply at the appropriate government agency to see if you qualify.
The Supplemental Nutrition Assistance Program (SNAP), better known as Food Stamps, can help pregnant women lower their grocery expenses. Unemployed mothers-to-be frequently meet the criteria.
- $2,250 limit in countable resources
- Gross monthly income under 130% of the poverty level
- Net monthly income under 100% of the poverty level
The Special Supplemental Nutrition Program for Women, Infants, and Children (WIC) can help single moms with groceries if they are pregnant, breastfeeding, or care for offspring up to age five – and they are at nutritional risk.
Pregnant mothers who are unemployed might qualify for the Low-Income Energy Assistance Program (LIHEAP). LIHEAP seeks to lower home heating and cooling costs through bill payment help and energy-saving home repairs.
Pregnant women who are employed often qualify for Child Care Assistance Programs. Federal money flows to state and county agencies that dole out the benefits to mothers-to-be who need the help during their workday.
- Childcare subsidies or vouchers
- Early Head Start
- State-funded Prekindergarten
- Military fee assistance
Free Programs for Expectant Mothers
Free programs for expectant mothers are another category of possible financial assistance. While free baby stuff via coupons and rewards schemes might save you a few dollars, your health is far more critical.
Free pregnancy clinics are an excellent resource for uninsured expectant mothers. However, the possible benefit goes far beyond the services that these programs provide at no charge.
Most free clinics will perform a pregnancy test at no charge to uninsured women. Yes, you can pick up a cheap test at the local pharmacy and see the result in the privacy of your home.
However, sometimes, you need someone to talk to who has no stake in deciding what to do next.
Many free pregnancy clinics will perform an ultrasound at no charge to uninsured women. You can hear the baby’s heartbeat for the first time and verify fetal viability and age.
Most importantly, you can get indisputable visual evidence of twins or triplets – if you carry more than one baby.
Proof of Pregnancy
Most free women’s clinics can provide you with positive proof of pregnancy documentation to assist you when applying for Medicaid (see below).
Plus, proof of multiple gestations via an ultrasound makes it much easier to meet the income guidelines, as your unborn babies count as household members!
Free insurance is the most critical need for expectant mothers. Once you have your proof of pregnancy documentation, the door opens to numerous programs that offer financial support.
Apply for free coverage at healthcare.gov to see if you qualify.
Pregnancy Medicaid works like free health insurance for almost 40% of women having babies in the USA. This government-funded program supports low-income families below a specified percentage of the Federal Poverty Level (FPL).
Your free ultrasound could be the critical factor when enrolling in Medicaid because FPL incomes rise with household size. Your unborn babies count as household members.
For example, a single mother carrying twins counts as three people!
Medicaid might also provide free dental insurance to expecting mothers. Extra hormones can make you more susceptible to gum disorders such as gingivitis. Therefore, proper oral care is critical.
- Women under the age of 21 automatically enjoy comprehensive dental care under the EPSDT program.
- Women over the age of 21 sometimes enjoy oral care benefits depending on their resident state’s coverage rules.
Grants can work like free money for pregnant moms-to-be because you do not have to repay the agency. However, the government does not provide grants to individuals for personal use outside of higher education.
Therefore, you might have to stretch the program definitions to make them fit.
Pregnancy grants for unemployed women fall into the elastic definition category. A better approach might be to look into other free programs.
- Unemployment benefits help if laid off from work
- Jobless mothers often meet low-income criteria
The USA federal government provides maternity grants to support low-income women pursuing a college education. Mothers-to-be can use this free money to pay for tuition, textbooks, and other schooling expenses.
Under federal student aid rules, your pregnancy could improve your chances of qualifying for a Pell grant award by lowering your expected family contribution.
- File as an independent if your due date falls in the grant semester
- Your unborn babies count as additional household members
Pregnancy Assistance Fund
The Pregnancy Assistance Fund (PAF) a competitive grant program run by the Office of Population Affairs. Like most government grants, the free money flowed to states and tribes rather than directly to individuals for personal use.
Authorizations and appropriations for the PAF ceased at the end of the 2019 fiscal year. Therefore, this resource is no longer available. However, former grantees might still be in operation.
Free apartments for pregnant women will prove challenging to find because property owners need to collect rent to remain viable. However, every rule has an exception, and you could get lucky and find a decent place to call home at no charge.
- Faith-based non-profits often provide free living accommodations to women with nowhere else to stay – but demand often exceeds supply.
- Emergency shelters for women also provide free living arrangements but are not a long-term solution in most cases.
- Section 8 vouchers subsidize up to 70% of your rent, but other programs that help with income and expenses could cover the remaining 30%.
Pregnant and Need Help with Housing
Women who are pregnant and need help with housing have numerous places to turn. Sometimes, too many options make it more challenging to find the financial assistance you need.
While we cannot point you to a single resource that helps with housing, we can direct you to the best starting points. Good luck with your search.
Emergency shelters can provide pregnant moms and their children a decent, safe place to stay for a brief period (days or weeks). Low-income women often turn to these facilities first during a financial or domestic crisis, such as abuse.
The Department of Housing and Urban Development (HUD) publishes a comprehensive online directory of homeless shelters organized by the state.
Maternity Group Homes
The Family and Youth Services Bureau operates the Maternity Group Home projects, which helps pregnant youth between the ages of sixteen and twenty-two avoid homelessness.
Like most federal initiatives, grant money flows to states and charitable organizations that provide transitional housing in their area.
Housing vouchers can help pregnant women with low-incomes by covering a large portion of their apartment rental payments. The voucher might pay for 70% of the monthly rent for a “market rate” unit in your neighborhood.
The Section 8 voucher money flows from the federal government to states and then to county agencies. Therefore, you need to apply through your county public housing agency.
Many non-profit and faith-based organizations provide housing help to women who are pregnant. Mothers who choose life for their babies can find assistance with their living arrangements from charities that support their decision.
Most of these organizations serve small geographic areas, although several have offices throughout the country. Therefore, you may have to search locally.
- Socialserve: Nationwide bilingual call center
- Covenant House: Nationwide (search name and location)
- Catholic Charities: Nationwide (search name and location)
- The Salvation Army: Nationwide (search name and location)
- After Hours Ministry: publishes an extensive listing for California
- Home-Start: San Diego, California
- Precious Life Shelter: Los Alamitos, California
- Saint Ann’s: Hyattsville, Maryland
- Birth Haven: Newton, New Jersey
- Bright Hope Centers: Allentown, Bethlehem, Easton Pennsylvania