Financial help for pregnant mothers comes in many forms. Find twenty-three resources that could make your budget stretch further during this critical time.
Help with money could mean finding ways to replace income if you cannot work or make your dollars last longer by reducing expenses for essentials.
Grants for pregnant women require creativity as the federal government offers money on the house to individuals only in rare cases.
Free programs make scarce dollars go further for ultrasounds, baby stuff, and apartments for you and your baby.
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.
- Pregnant and Need Help with Money
- Grants for Pregnant Women
- Free Programs for Expectant Mothers
- Pregnant and Need Help with Housing
Request a personal loan (Sponsored Link) if you are pregnant and need money now. 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 get the funding ASAP, make sure to have these items handy.
- Employer name and address
- Driver’s license number
- Bank account and routing number
Be careful about borrowing emergency money as you will need to repay the loan with interest, which requires an ongoing income source.
Temporary Assistance for Needy Families (TANF) offers free money to pregnant moms-to-be. However, the process takes longer because the government moves slowly.
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 their situation makes it challenging to work.
State short-term disability could help expectant mothers replace a portion of their income if a pregnancy-related medical condition makes 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
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 Special Supplemental Nutrition Program for Women, Infants, and Children (WIC) can help working moms with groceries if they are pregnant, breastfeeding, or caring for offspring up to age five – and they are at nutritional risk.
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
Grants for Pregnant Women
Pregnant women can tap into a variety of grants by having an open mind to alternative labels. The federal government doles out this free money to universities, state agencies, and non-profit organizations – rather than individuals in most cases.
Grants for Unemployed
Pregnancy grants for unemployed mothers will require a dose of creative thinking to unearth every possible resource. Expectant women without a job often fit into the low-income category.
Therefore, the benefits you can claim while pregnant and unemployed go far beyond the obvious.
Unemployment compensation can work as a grant for 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
Pregnancy Medicaid can works as a grant for unemployed mothers by covering their healthcare expenses. This government-funded program supports low-income families below a specified percentage of the Federal Poverty Level (FPL).
Each state sets a different (higher) income cutoff for women carrying a baby.
Medicaid dental coverage extends the pregnancy grant for unemployed mothers to critical oral care needs. Expectant mothers should see their dentist regularly for cleanings to prevent gingivitis.
Each state determines the rules for the type of dental care provided to women expecting a baby.
The Supplemental Nutrition Assistance Program (SNAP), better known as Food Stamps, can offer pregnant women a grant by lowering their grocery expenses. Unemployed mothers-to-be frequently meet the earnings 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
Pregnant mothers who are unemployed might qualify for the Low-Income Energy Assistance Program (LIHEAP). LIHEAP grant money seeks to lower home heating and cooling costs through bill payment help and energy-saving home repairs.
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 Grant
The Pregnancy Assistance Fund (PAF) is 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.
Title V Grant
The Title V Maternal and Child Health Services Block Grant Program supports the well-being of the nation’s mothers and children. However, federal money flows to state agencies and jurisdictions rather than individuals for personal use.
State agency grantees operate local programs designed to meet Title V objectives.
- Access to quality health care
- Reduce infant mortality and the incidence of preventable diseases
- Access to comprehensive prenatal and postnatal care
- Toll-free hotlines and assistance in applying for services
The Internal Revenue Service offers three different government grants for pregnant women open to alternative labels. Many maternity-related expenses are tax-deductible, which translates into free money for those prepared to take advantage.
- Schedule A deductions offer savings for mothers who itemize and have medical and dental expenses that exceed 7.5% of adjusted gross income
- Healthcare Flexible Spending Accounts (FSA) provide first dollar tax reductions for prenatal care, labor and delivery, and postpartum medical expenses
- Health Savings Accounts (HSA) allow women to pay for any maternity-related expenses using pre-tax dollars – if they have a qualifying high-deductible health insurance plan
Free Programs for Expectant Mothers
Expectant mothers can tap into a variety of free programs. This form of financial assistance makes limited budget dollars stretch much further because you avoid spending money unnecessarily.
Free Baby Stuff
Low-income pregnant mothers on Medicaid have boundless opportunities to find programs offering free baby stuff. Other parents with older children often need to make room for age-appropriate items and are thankful when another family will take gently used things off of their hands.
Online marketplaces abound with free baby stuff available to anyone willing to pick it up and take it away.
- Cribs and bassinets
- Car seats
- Infant clothing
- Diaper bags
Free pregnancy clinics for expectant mothers do not charge for services because they want to encourage women to bring their babies to full term. Many faith-based organizations operate clinics across the USA.
- Ultrasounds at no charge to determine fetal viability
- Costless STD testing to uncover sexually transmitted infections
Free pregnancy vouchers are also easy to find. Retailers love giving away items to expectant mothers because they represent profitable future customers of all things baby-related.
Expect a flood of free vouchers or coupons after volunteering your name, address, and the fact that you are expecting a baby. Vendors covet your business and are willing to sacrifice a few dollars upfront to win you over to their product line.
These companies recognize that parents spend lots of money on their children, and they want a share of that outflow. Vouchers get you hooked.
Free housing for pregnant mothers will prove challenging to find because apartment 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 costless living accommodations to women with nowhere else to stay – but demand often exceeds supply.
- Emergency shelters for women also provide living arrangements gratis 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