live & love well™ Scholarship Programs

My Commitment

At live & love well™, I believe that everyone deserves access to authentic, compassionate, high-quality therapeutic care — regardless of financial circumstances.

To honor this commitment, I created the live & love well™ Scholarship Program, offering discounted therapy services to individuals and couples in need of financial assistance.

How the Scholarship Program Works

Scholarships are awarded on a first-come, first-served basis depending on my availability. To apply, new clients must complete an application, provide income verification, and clearly communicate their care needs.

If I am unable to offer a scholarship spot at the time of your application, I will assist you with a referral to trusted community programs offering reduced-fee psychological services.

Dr Rae Sandler Simon, denver marriage & family therapy, hawaii mental health

Scholarships are granted for six months at a time and reviewed biannually. If your financial situation changes during that period, please inform me, so another individual can access fee-reduced, high-quality care.

Statements and Insurance

Service statements are securely emailed to you monthly.
If you have insurance, I strongly encourage you to explore your out-of-network benefits. Many clients successfully obtain partial reimbursement by submitting these monthly statements, which include all necessary service and diagnostic codes.

How Financial Need is Determined

Scholarship eligibility is based on your annual household income and family size. I use income guidelines inspired by the U.S. Census Bureau’s median family income data for Hawaii — with adjustments to reflect the unique cost of living challenges in both Hawaii and Colorado.

Scholarship Options

Household Income-Based Scholarship

Clients qualify for reduced rates based on their total household income and number of dependents.

Public Service Scholarship

A 25% needs-based discount is available for public service employees, including police, EMTs/paramedics, firefighters, teachers, and active or retired military personnel.

Kanaka / Native Hawaiian Scholarship

In recognition of the Kanaka Maoli, the original stewards of Hawai'i, I offer customized, respectful service fees for Native Hawaiian individuals and families. Please contact me directly to discuss options.

Kōkua aku, kōkua mai (Help given, help received.)

Scholarship Qualifications and Required Documentation

To apply for a scholarship, you will need to provide:

Verification of household income (recent pay stubs, a tax return, or a letter from a certified accountant).
Documentation must include all sources of household income, including salary, financial assistance, child support, dividends, unemployment, and financial gifts.

Important:

Young adults receiving financial support from parents/guardians must submit the supporting party's income verification.
Scholarship rates are re-evaluated every six months.
I reserve the right to modify, deny, or discontinue scholarship awards at my sole discretion.

Final Thoughts

It is a privilege to offer these scholarships as part of my commitment to community wellness. If you have any questions about the application process or your eligibility, please don't hesitate to reach out.

I look forward to supporting your journey toward living and loving well