Opportunity Information: Apply for HHS 2018 ACL AOA FLFC 0309
The Strengthening the Financial Literacy and Preparedness of Family Caregivers grant opportunity (HHS-2018-ACL-AOA-FLFC-0309) is a discretionary funding program from the U.S. Department of Health and Human Services, Administration for Community Living (ACL). It is designed to address the financial strain faced by family caregivers who provide the majority of long-term services and supports in the United States. The opportunity is rooted in evidence that unpaid caregiving represents an enormous economic contribution (estimated at $470 billion in care, per a 2018 Bipartisan Policy Center report) while also creating serious financial harm for caregivers themselves, particularly those age 50 and older, who may lose around $304,000 in income and benefits over the course of caregiving. The basic premise of the grant is that strengthening caregivers' financial literacy and preparedness can help them sustain caregiving responsibilities while better anticipating and managing the personal economic impacts that often come with providing care.
This funding opportunity supports a three-year project focused on building knowledge and practical solutions. The target population is all eligible family caregivers as defined under Title III-E of the Older Americans Act, which generally covers family members and other unpaid individuals who provide care to older adults and related eligible groups. Rather than narrowly focusing on one diagnosis or caregiving situation, the program is framed broadly around the financial challenges that can arise across many caregiving contexts, including reduced work hours, job disruptions, out-of-pocket expenses, and longer-term impacts on savings, retirement security, and benefits.
The grant outlines three main objectives. First, it aims to advance understanding of what family caregivers need when it comes to financial literacy, including identifying what interventions already exist, where they fall short, and what gaps remain. This includes taking stock of current training, tools, and educational approaches and then developing a strategy for addressing unmet needs. Second, the program calls for the development and testing of new interventions that can improve or strengthen caregivers' financial literacy. In practice, this could mean creating new curricula, decision-support tools, workshops, counseling models, or other resources that help caregivers navigate budgeting, benefits, insurance, employment decisions, long-term care planning, and other financial topics directly affected by caregiving. Third, the opportunity emphasizes broad dissemination, meaning the recipient is expected to share findings, new tools, and best practices widely so that the field as a whole can adopt or adapt what is learned.
The anticipated outcomes reflect both learning and product creation. ACL expects the project to produce a clearer, evidence-informed understanding of caregivers' financial literacy needs, a sharper picture of where existing financial education and training efforts are insufficient, and measurable growth in the range of practical financial literacy materials available to family caregivers. In other words, the project is expected to generate both insights (what caregivers need and what is missing) and tangible deliverables (new or improved tools and interventions), along with an active plan to get those resources into the hands of organizations and caregivers who can use them.
Administratively, the award is offered as a cooperative agreement, which typically means the federal agency plans to have substantial involvement in the project beyond standard grant oversight, often through collaboration, guidance, and shared decision-making on key elements. The activity category is listed as Income Security and Social Services, and the CFDA number is 93.048. Eligibility is described as unrestricted, meaning it is open to many entity types (subject to any additional eligibility details in the full announcement). The opportunity anticipated making one award, with an award ceiling of $250,000. The notice was created June 11, 2018, with an original closing date of August 10, 2018, and applications were required to be submitted electronically by 11:59 p.m. Eastern Time on the due date.
Overall, this opportunity is essentially a targeted investment in reducing the economic fallout of unpaid caregiving by improving caregivers' ability to plan, make informed financial decisions, and access effective, relevant financial literacy supports. It recognizes that caregivers are a cornerstone of the long-term care system, but that their contributions can come at a high personal cost, and it funds work intended to close the gap between the financial challenges caregivers face and the resources currently available to help them manage those challenges.Apply for HHS 2018 ACL AOA FLFC 0309
- The Department of Health and Human Services, Administration for Community Living in the income security and social services sector is offering a public funding opportunity titled "Strengthening the Financial Literacy & Preparedness of Family Caregivers" and is now available to receive applicants.
- Interested and eligible applicants and submit their applications by referencing the CFDA number(s): 93.048.
- This funding opportunity was created on Jun 11, 2018.
- Applicants must submit their applications by Aug 10, 2018 Electronically submitted applications must be submitted no later than 1159 p.m., ET, on the listed application due date.. (Agency may still review applications by suitable applicants for the remaining/unused allocated funding in 2026.)
- Each selected applicant is eligible to receive up to $250,000.00 in funding.
- The number of recipients for this funding is limited to 1 candidate(s).
- Eligible applicants include: Unrestricted (i.e., open to any type of entity above), subject to any clarification in text field entitled Additional Information on Eligibility.
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Frequently Asked Questions (FAQs)
What is the Strengthening the Financial Literacy and Preparedness of Family Caregivers grant opportunity?
It is a discretionary funding opportunity from the U.S. Department of Health and Human Services (HHS), Administration for Community Living (ACL), titled "Strengthening the Financial Literacy and Preparedness of Family Caregivers" (funding opportunity number HHS-2018-ACL-AOA-FLFC-0309). The program is intended to reduce the financial strain experienced by unpaid family caregivers by improving financial literacy and preparedness related to caregiving.
Which federal agency is offering this grant?
The grant is offered by HHS through the Administration for Community Living (ACL).
What type of funding mechanism is used for this award?
The award is a cooperative agreement. This typically indicates substantial federal involvement in the project beyond standard grant monitoring, such as collaboration and guidance on major project components.
What is the overall purpose of the project?
The project is designed to strengthen family caregivers' financial literacy and preparedness so they can better anticipate, plan for, and manage the personal economic impacts that often accompany caregiving (for example, reduced work hours, job disruptions, out-of-pocket costs, and long-term impacts on savings, retirement security, and benefits).
Why is this opportunity focused on family caregivers?
The opportunity is grounded in evidence that unpaid caregiving represents a very large economic contribution while also causing serious financial harm for caregivers. The description cites an estimated $470 billion value of unpaid care (per a 2018 Bipartisan Policy Center report) and notes that caregivers age 50 and older may lose around $304,000 in income and benefits over the course of caregiving.
Who is the target population for the work funded by this grant?
The target population is all eligible family caregivers as defined under Title III-E of the Older Americans Act. This generally includes family members and other unpaid individuals who provide care to older adults and related eligible groups.
Is this program limited to caregivers dealing with a specific diagnosis or condition?
No. The opportunity is framed broadly and is not limited to a single diagnosis or caregiving scenario. It focuses on financial challenges that can arise across many caregiving contexts.
What are the main objectives of the grant?
The grant outlines three main objectives:
- Advance understanding of family caregivers' financial literacy needs, including identifying existing interventions, their shortcomings, and remaining gaps, and developing a strategy to address unmet needs.
- Develop and test new interventions that can improve or strengthen caregivers' financial literacy (for example, curricula, tools, workshops, or counseling models).
- Disseminate findings, tools, and best practices broadly so others can adopt or adapt what is learned.
What kinds of interventions or resources might be developed under this grant?
The opportunity suggests that interventions could include new curricula, decision-support tools, workshops, counseling models, or other resources. The resources may help caregivers navigate topics such as budgeting, benefits, insurance, employment decisions, and long-term care planning, especially as these issues are affected by caregiving responsibilities.
What outcomes does ACL expect from the project?
ACL anticipates outcomes that include:
- A clearer, evidence-informed understanding of caregivers' financial literacy needs.
- A sharper picture of where existing financial education/training efforts are insufficient and where gaps remain.
- Measurable growth in practical financial literacy materials available to family caregivers.
- Active dissemination of findings and tools so they can be used by organizations and caregivers.
How long is the funded project expected to last?
The grant supports a three-year project period.
How many awards were anticipated under this opportunity?
The opportunity anticipated making one award.
What is the maximum (ceiling) award amount?
The award ceiling is $250,000.
What is the activity category for this opportunity?
The activity category is listed as Income Security and Social Services.
What is the CFDA number associated with this opportunity?
The CFDA number is 93.048.
Who is eligible to apply?
Eligibility is described as unrestricted, meaning it is open to many entity types (subject to any additional eligibility details that may be included in the full funding announcement).
When was the notice created and when was the application due?
The notice was created on June 11, 2018. The original closing date was August 10, 2018.
How were applications required to be submitted?
Applications were required to be submitted electronically by 11:59 p.m. Eastern Time on the due date.
What problem is this grant trying to address in practical terms?
The grant targets the economic fallout that unpaid caregiving can create for individuals and families. It supports work that improves caregivers' ability to plan, make informed financial decisions, and access effective financial literacy supports so they can sustain caregiving responsibilities while better managing financial risk.
What does "broad dissemination" mean in the context of this project?
Broad dissemination means the recipient is expected to actively share findings, newly developed tools, and best practices widely so that the broader caregiving and aging-services field can adopt or adapt the outputs of the project.
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