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Deal reached to help disabled people in disasters

LARRY NEUMEISTER
Associated Press

NEW YORK (AP) — Advocates and city officials on Wednesday said they’ve struck a deal to protect nearly 900,000 residents with disabilities during disasters.

The deal resulted from a federal class action lawsuit brought in 2011, a year before Superstorm Sandy left many disabled residents stranded in high-rise buildings and other areas, unsure where to turn for help. It calls for disaster centers to be upgraded to accommodate 120,000 disabled people by September 2017, with improvements to accommodate from 10,000 to 17,000 people by the middle of this month, advocates said.

“We think this is really significant,” said Christine Chuang, senior staff attorney at Disability Rights Advocates, a nonprofit law firm that pursues litigation to help the disabled in a city with the most high-rise buildings in America.

She said the dramatic increase in available shelter space and improved communications would make the city better equipped to care for those with special needs during emergencies than any other U.S. city.

Among improvements, the plan calls for the city by August 2017 to have in place a canvassing operation in which people will go door to door after a disaster to assess the needs of the disabled, including their access to food, water, electricity, medical care and medical equipment.

The city’s top attorney, Zachary Carter, said in a statement he was “extremely pleased.” He said the deal will put “our city at the forefront of emergency preparedness nationwide in assuring that individuals with disabilities will have meaningful access to essential services during emergencies.”

Victor Calise, commissioner of Democratic Mayor Bill de Blasio’s Office for People with Disabilities, said the city hoped to be “the leader in providing equal access to emergency services for every individual regardless of their ability.”

The lawsuit that spurred the deal was filed by two nonprofit groups — the Center for the Independence of the Disabled and the Brooklyn Center for Independence of the Disabled — and two disabled people.

Last year, U.S. District Judge Jesse Furman, who must approve the agreement, ruled the city of about 8.5 million residents had violated the Americans with Disabilities Act and the New York City Human Rights Law by failing to ensure people with disabilities can evacuate before or during an emergency.

“Hurricane Sandy dramatically demonstrated the consequences of this failure,” the judge said. “Plaintiffs provided substantial evidence that people with disabilities … remained trapped in high-rise buildings for days after the storm.”

The judge said there was no evidence the city intentionally discriminated against people with disabilities. But he said laws “seek to prevent not only intentional discrimination against people with disabilities, but also — indeed, primarily — discrimination that results from ‘benign neglect.'”

He questioned the city’s planning priorities, noting that the special needs coordinator within the city’s Office of Emergency Management has no staff.

The deal calls for the city to hire a disability and access and functional needs coordinator to ensure emergency plans adequately accommodate people with disabilities. A special task force will create and implement a high-rise evacuation plan by September 2018.

Copyright 2014 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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