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This section will provide you with resources about financial issues after a natural disaster.
1. Immediate Cash Assistance: You can apply for disaster assistance by calling 1-800-621-FEMA (3362). You can also register online at

Families in need can also call the Red Cross 1-800-975-7585 to apply for aid. You may be entitled to receive up to $26,200 in grant money from FEMA.

HOPE Coalition America also offers free financial counseling and assistance to individuals and small businesses affected by disasters. For more information you can call: 1-888-388-HOPE (4673).

If you don't currently have a photo ID or ATM card, you may still be able to cash checks and withdraw cash at your bank. Most banks in affected areas have waived the usual documentation. To find out what banks are open and what services are available, you can either visit or call 1-877-ASK FDIC.
2. Social Security Benefits: Go to the nearest office of the Social Security Administration. To find those locations, call 800-772-1213. You'll be able to get emergency payments if necessary. For more information, visit the Social Security website.
3. Lost Documents: If you need to replace you ATM card, credit card, drivers license, visa, passport or medical records, immediately contact your bank and call your credit-card company to get new cards. If you lost your license, you can go to the DMV office and get a new license free of charge. The DMV can retrieve your information and compare your signature electronically for verification. For more information visit Florida's DMV website. To replace vital documents like visas, passports, and medical records, visit the USA Government website.
4. Tapping Retirement Funds: The IRS may have eased restrictions for storm survivors who wish to take loans or make early withdrawals from their 401(k)s and other workplace retirement plans. Visit this special section of the IRS website to find details that may relate to your situation.
5. Legal Help: After the President declares a disaster, you may be able to get free legal advice through the American Bar Association. Thousand of lawyers have volunteered to assist people with insurance claims, home repair contracts, licensing, wills and other documents. For more information visit the American Bar Association's website.

Legal advice is limited to cases that will not produce a fee. This means you can't ask advice about a personal injury lawsuit. To find a lawyer, contact the American Bar Association. The toll free hotline in Florida is 800-342-8011
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