cover letter for financial program

Finance Cover Letter Example (w/ Templates for 2024)

You can navigate the landscape of numbers, investments, and economic intricacies.

You’re a financial pro, and you’ve got the expertise to prove it.

But there's just one thing standing between you and a successful job application – your cover letter.

Writing a compelling finance cover letter can feel more complicated than analyzing stock market trends. You might find yourself paralyzed with no idea how to prove your financial prowess.

Don’t worry! We’re here to guide you through it.

In this article, we’re going to cover:

• What an Amazing Finance Cover Letter Looks Like
• 5 Steps to Writing a Job-Winning Finance Cover Letter

3 Essential Finance Cover Letter Tips

Finance cover letter example.

5 Steps for the Perfect Finance Cover Letter

Now that you know what a great cover letter looks like, you're all set to write your own !

Just follow these straightforward steps:

#1. Put Contact Information in the Header

Start your finance cover letter by creating a header for your contact details, the same as on your resume .

Here's what you should have in there:

• First and Last Name. Make sure your full name is in plain view at the top.
• Professional Title. Match this with the specific finance role you're after. Hiring managers usually hire for several roles at once, so this will help them notice your application.
• Email Address. Keep it professional, like a combo of your names. The quirky high school email won't cut it. (e.g.: [email protected] is not a good look, but [email protected] is fine.)
• Phone Number. Ensure your phone number is accurate since employers need to reach you easily. A missed digit could mean a missed interview.
• Location. Usually, city and state/country are enough. But if you're open to relocating or working remotely, mention it.
• Relevant Links (optional). Share your LinkedIn or any other relevant social media that can back up your financial expertise.

Now, let's talk about reaching the hiring manager’s contact information :

• Company Name. Mention the financial institution you're applying to.
• Hiring Manager's Name. If you can find it, great! Check the job listing, the company's website, or LinkedIn profile.
• Hiring Manager's Title. If they've got a fancier title than “Hiring Manager”, such as “Chief Financial Officer”, address them accordingly.
• Location. City and state/country details are crucial, especially for global firms.
• Date of Writing (optional). Adding the date you penned your letter gives it a professional touch.

#2. Address the Hiring Manager

Once you've sorted out your finance cover letter's contact details, it's time to address it properly .

Say goodbye to the generic "To Whom It May Concern."

The right greeting can make a positive impression on the hiring manager and set the tone for your entire finance cover letter.

Start with some research. Check the job ad, the company's website, or their LinkedIn profile to identify the finance department's hiring manager. Find their name and use it.

Be sure to address them professionally. You can use “Ms.” or “Mr.”, followed by their last name. But if you're unsure about their gender or marital status, simply use their full name. For example:

• Dear Ms. Anderson
• Dear Emily Anderson

And if you can't find information about the hiring manager or the head of the finance department, address your letter to the department or the company as a whole:

• Dear Finance Department
• Dear Finance Hiring Team
• Dear Human Resources Team
• Dear Head of Finance

#3. Write an Eye-Catching Opening Statement

As the saying goes, time is money, and hiring managers value time a lot. In fact, it doesn’t take them more than a few seconds to decide if an application is worth reading in detail.

That's why writing a strong introductory paragraph in your finance cover letter is essential. Start by introducing yourself as a professional and clearly stating why you're enthusiastic about the position. Showing your passion for the finance industry or the specific role can instantly capture the hiring manager's attention.

But conducting some research on the company can significantly boost your chances, too. The more insights you gather about the employer, the better you can show them your alignment with their work culture or company goals. This shows that you're not applying randomly; you genuinely have your sights set on this specific opportunity, and you’re ready to put in the work.

Depending on your level of experience, you can also kick off your cover letter with an accomplishment or a skill that makes you an ideal fit for the role. Just make sure that this paragraph isn’t too lengthy. All you need to do is spark the hiring manager's curiosity and encourage them to explore your cover letter further.

#4. Use the Cover Letter Body for the Details

The body of your cover letter is where you have to prove you’re the ideal candidate for the position.

But don’t repeat what it says on your finance resume . This is your opportunity to really show your financial prowess and qualifications in a way that leaves a mark. Your mission is to persuade the hiring manager that you're the standout choice among the competition, even if they have similar experience and skills.

So shine a spotlight on any noteworthy achievements you have and use the job advertisement as inspiration.

Tailoring your cover letter to align with the specific job ad is crucial. You should emphasize skills and experiences that resonate with the company's needs. For example, if you're applying for a finance role in a tech-driven firm, focus on your tech-related financial skills rather than more generic experiences in finance.

Be sure to demonstrate your understanding of the company, its financial model, or the intricacies of the finance industry as a whole. If you're well-acquainted with the company's financial products or services, mention it in your cover letter to show how and why your financial expertise aligns seamlessly with the company’s mission and corporate culture.

Lastly, let your enthusiasm for the role shine through your words. Convey your genuine excitement for the position and your confidence in your ability to contribute to the company. Show them that you're not just another candidate but the financial talent that meets all their requirements.

If you need even more inspiration, check out our other cover letter examples !

#5. Wrap It Up and Sign It

The ending of your finance cover letter is your opportunity to leave a lasting impression on the hiring manager.

Start closing your finance cover letter by confidently reiterating why you’re the perfect fit for the role and giving a brief recap of your key skills that prove it.

After that, it’s time for a call to action. Encourage the hiring manager to take the next step, whether it's scheduling an interview or exploring your application in more detail. A well-placed call to action can make all the difference and get you closer to your dream job.

Finally, choose an appropriate closing line. And don’t forget to sign your full name underneath. Like so:

Please don't hesitate to reach out to me via the provided email or phone number so that we may further discuss my application. I eagerly await the opportunity to go over how I can help Company X on its mission to success.

Best regards,

And if you're seeking an alternative to "Best regards," consider these options:

• Warm regards,
• Respectfully yours,
• Thank you for your consideration,

You've got the basics of cover letter writing under your belt!

Now it's time to refine yours with some essential cover letter tips :

#1. Match Your Resume

Clarity is important in the finance industry, and the best place to start with it is on your cover letter.

You have to make sure your finance cover letter’s formatting and layout align with your finance resume as much as possible. This can convey a polished and well-organized image of you as a candidate and make it easier for the hiring manager to identify your application out of the bunch.

So keep your text neatly arranged on the page and maintain uniform font styles and sizes. Pay attention to the page margins and line spacing so your cover letter remains concise and still fits on a single page .

Or Use A Cover Letter Template Instead

Feeling overwhelmed?

Just try our resume builder and matching cover letter templates to make crafting your application easier.

Each template is crafted with input from hiring experts worldwide, so they meet all industry standards and look gorgeous.

#2. Mention Skills and Keywords

You don’t want your finance cover letter to come off as generic.

Try to mention as many keywords from the job advertisement as you can. Hiring managers already know what they want from a candidate, so you have to show them you meet all their criteria.

Doing this proves you’ve paid careful attention to the job advertisement, and it also directs hiring managers to the information they care the most about. Just don’t throw in those keywords randomly!

You want to build a narrative that shows your expertise. Focus on the most important skills mentioned in the job ad that match the ones you already have, and explain how they’ve helped you excel at your job.

#3. Add Any Relevant Links

Your finance cover letter should match your resume’s contact information down to a T.

So, if you added any relevant links to one, make sure the other has them, too. Specifically, when it comes to listing personal websites or social media profiles like LinkedIn, hiring managers appreciate it.

This gives them quick and easy access to see your previous work instead of having to circle back to your resume to find a link. They could even connect with you directly on LinkedIn, so this extra touch of accessibility and professionalism can leave a great impression on potential employers.

Key Takeaways

And you’re all set with writing your finance cover letter!

After reading our guide, we trust you’re well-equipped to secure the exact job you have your sights set on.

Before you head off, let’s summarize some main points from our article:

• Your finance cover letter’s look should match your resume since it shows professionalism, and attention to detail, and makes it easier for the hiring manager to spot your application. Use a resume builder with matching cover letter templates to save time.
• Keep your contact information factual and professional. You don’t want to use an immature email address from your high school years since it could leave a bad impression.
• Include any skills and other keywords from the job description in the body of your cover letter. Use them to illustrate how your experience matches what the employer is looking for and to present yourself as an ideal candidate.
• Wrap up your cover letter with an appropriate closing line, and don’t forget to sign your name at the bottom. This little detail is the bow that ties together a spotless application.

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How to Write a Financial Analyst Cover Letter (With Template)

Key takeaways

• A cover letter can be the most important element in a job application. Ensuring your profile stands out to recruiters is crucial to your professional success.
• A well-tailored cover letter should provide relevant information clearly and concisely. Focus on detailing your skills and why you are the right person for that specific role.
• The included Financial Analyst cover letter template provides an easy starting point to craft your own cover letters. Adapt and personalize it to fit your profile.

A well-written cover letter is key to quickly getting the attention of prospective employers. Among countless job seekers, resumes, and application letters, yours need to stand out on first impression if you want to ensure your job search   translates to a new role .

In this post, you will discover:

• Reasons why a well-crafted cover letter is key to professional success, from entry-level roles to senior positions
• Cover letter do’s and dont’s
• A Financial Analyst sample cover letter you can easily adapt and personalize

A well-tailored   cover letter : The key to   job application   success

Ensuring you know how to write a cover letter that is clear, informative, and tailored to the role you are applying to will benefit you in many ways. Well-crafted cover letters have many benefits, which include:

• Showcasing relevance:   Tailoring your cover letter allows you to emphasize the most relevant skills, experiences, and achievements that align with the specific job requirements. This immediately captures the attention of the   talent acquisition   team, recruiters, or human resources reps.
• Demonstrating research:   A good cover letter conveys your understanding of the organization's needs and illustrates how you can contribute to its success, signaling to potential employers that you've done your homework.
• Telling your story:   Each job application is unique, and a tailored cover letter enables you to craft a personalized narrative. It lets you connect your professional journey with the role's specific challenges and opportunities, making your application more compelling.
• Highlighting cultural fit:   Your cover letter allows you to address the company's values, mission, and culture. By aligning your experiences and values with those of the organization, you demonstrate a cultural fit and convey your enthusiasm for being part of the team.
• Addressing specific requirements:   Job postings often include   specific skills or qualifications   the employer is seeking. Tailoring your cover letter enables you to address these requirements directly, showcasing how you possess the desired attributes and can meet the company's expectations.

Cover letter tips

A great cover letter should reflect your professional profile and personality. However, no matter what your cover letter's content is, the tips below will help ensure the message you want to convey is clear and easily accessible to hiring managers.

• Keep it concise:   Aim for a cover letter length of 250-400 words. Be succinct in presenting your qualifications and experiences.
• Use a clean layout:   Opt for a professional and clean cover letter format with a standard font (e.g., Arial, Calibri, or Times New Roman) and a font size of 10-12 points.
• Include   contact information :   Provide your contact information at the top of the cover letter, including your name, phone number, and professional email address.
• Use   headers   and sections:   Organize your cover letter into clear sections with headers such as Introduction, Work Experience, and Achievements for easy readability.
• Maintain a professional tone:   Keep the tone of your cover letter professional and upbeat. Avoid overly casual language, and focus on showcasing your skills and experiences.
• Use keywords:   Incorporate relevant keywords from the Agile Project Manager   job description   and company website into your cover letter. This can help your application pass through   applicant tracking systems (ATS)   used by many employers.
• Highlight achievements with bullet points:   Use bullet points to list specific accomplishments or notable projects. This makes it easier for the reader to grasp your accomplishments quickly.
• Use quantifiable data:   Whenever possible, include quantifiable data to demonstrate the impact of your achievements. Numbers provide concrete evidence of your contributions.
• Match company tone:   Adapt your writing style to match the tone of the company and industry. Research the company's culture to strike the right balance between professionalism and personality.
• Showcase company knowledge:   Demonstrate your understanding of the company by referencing its values, mission, or recent achievements. Explain why you're excited about the opportunity to work for this specific organization.
• Address employment gaps (if applicable):   If you have employment gaps, briefly address them in a positive light, focusing on any skills or experiences gained during those periods.
• Proofread   thoroughly:   Eliminate typos and grammatical errors by proofreading your cover letter multiple times. Consider using tools like Grammarly to catch any overlooked mistakes and ensure your English (or any language you use) is correct.
• Include a   call to action :   Conclude your cover letter with a call to action, expressing your enthusiasm for the opportunity and indicating your readiness for an interview.
• Follow submission instructions:   If there are specific instructions for submitting the cover letter, such as naming conventions or document formats, ensure that you adhere to them.
• Save as a PDF:   Save your cover letter as a PDF before submitting it. This ensures that the formatting remains consistent across different devices and software.

While understanding the correct steps to write a cover letter is crucial to your professional success, knowing what mistakes to avoid is equally important. The best cover letter can easily be made useless by a tiny blunder. Avoid making the mistakes listed below; you will be halfway to your new job.

• Don't use a generic greeting:   Avoid generic salutations like "To whom it may concern," “Dear sir or madam, “ or “Dear hiring manager.“ Whenever possible, address the cover letter to a specific person.
• Don't repeat your resume:   An effective cover letter should complement your resume, not duplicate it. Focus on specific experiences and achievements that showcase your qualifications for the role.
• Don't exaggerate or lie:   Be truthful in your cover letter. Exaggerating your qualifications or providing false information can harm your chances and damage your professional reputation.
• Don't use unprofessional email addresses:   Ensure that the email address you use in your contact information is professional. Avoid using nicknames or unprofessional terms.
• Don't include irrelevant information:   Keep your cover letter focused on the job. Avoid including unrelated personal details or experiences that do not contribute to your suitability for the role.
• Don't use jargon unnecessarily:   While demonstrating your knowledge is essential, avoid unnecessary jargon that may confuse the reader. Use clear and straightforward language.
• Don't sound overly eager:   Expressing enthusiasm is positive but can easily feel unauthentic if overdone.

Remember, the goal of a practical cover letter is to present your qualifications in a clear, organized, and compelling manner while adhering to professional standards.

How to structure your Financial Analyst   cover letter

Express your genuine interest in the   Financial Analyst   position in the opening paragraph. Clearly convey your passion for financial analysis and your eagerness to contribute to a forward-thinking and analytical finance team. If applicable, acknowledge any referrals that have influenced your decision to pursue this specific role.

About your current role

Highlight your achievements that have positively impacted the financial decisions of your current team. Emphasize your role in implementing specific financial analysis methodologies or tools that contributed to informed decision-making, showcasing your proficiency in analyzing financial data.

Use this section to outline your current responsibilities and ongoing projects, emphasizing how they align with the requirements and objectives of the Financial Analyst role.

About your experience

Detail your hands-on experience in financial analysis, showcasing your ability to interpret complex financial data and provide actionable insights. Communicate that your financial analysis skills and readiness for the role are well-established. 

This section is also an opportunity to highlight the number of years you've spent in financial analysis roles and any additional skills acquired throughout your   career path .

Notable achievements

Highlight notable accomplishments that showcase your effectiveness as a Financial Analyst. Whether you played a key role in improving financial forecasting accuracy, conducting in-depth market analysis, or optimizing financial processes, use this section to concisely mention your achievements, how they were measured, and their impact on the financial performance of the team or organization.

Why you want to work there

Express your interest in the company by highlighting specific aspects of its practices, industry reputation, and values that resonate with you. Convey how these align with your professional goals and how you envision contributing to the company's success through your expertise in financial analysis. Be concise but articulate about your motivations.

Specific projects or initiatives that motivated you to apply

Demonstrate your understanding of the organization by referencing specific financial projects or initiatives that have captured your interest. Connect these initiatives to your skills and experiences, emphasizing how your contributions align with the company's financial goals. This shows your genuine interest and proactive approach to aligning with the company's mission.

In the closing paragraph, reiterate your enthusiasm to contribute to the company's financial success as a Financial Analyst. Express your eagerness to discuss how your skills align with the company's financial objectives and invite the reader to   reach out with any questions   they may have. 

Sign off with a professional salutation.

Financial Analyst   cover letter template

Dear [Hiring Manager’s name],

I am writing to express my interest in the Financial Analyst position at [Company Name]. With a comprehensive background in financial analysis and a proven track record of providing strategic insights, I am confident in my ability to contribute effectively to your organization.

About my current role

In my current position as a Financial Analyst at [Current Company], I have:

• Conducted in-depth financial modeling and analysis to support decision-making processes, resulting in [specific outcome, e.g., improved budgeting, cost savings, etc.].
• Collaborated with cross-functional teams to gather and interpret financial data, ensuring accurate and timely reporting.
• Prepared comprehensive financial reports and presentations for management, contributing to a deeper understanding of financial performance.

About my Financial Analyst experience

My experience extends to:

• Utilizing financial forecasting techniques to project future financial performance and identify potential areas for improvement.
• Analyzing key performance indicators (KPIs) and financial metrics to provide insights into the company's financial health.
• Communicating complex financial information clearly and concisely to various stakeholders.

Some of my notable achievements include:

• Developing and implementing a financial forecasting model that improved accuracy by [percentage], aiding in more informed strategic planning.
• Successfully leading the financial analysis for [specific project], resulting in [specific outcome, e.g., cost savings, increased revenue, etc.].
• Playing a pivotal role in the optimization of financial reporting processes, reducing reporting time by [percentage].

Why I want to work for [Company]

I am particularly drawn to [Company Name] due to its [mention aspects unique to the company and are a core part of its mission and values such as commitment to financial excellence, dedication to innovation, growth,...]. I am excited to apply my financial analysis skills to contribute to [Company Name]'s success in achieving its financial goals.

Specific projects or initiatives of [Company] that motivated me to apply

In researching [Company Name], I was impressed by your recent initiatives in [specific financial-related project or achievement]. I believe my experience in financial analysis aligns seamlessly with your organizational objectives. My commitment to providing valuable financial insights and my dedication to delivering high-quality results would make me a valuable addition to your team.

Thank you for considering my application. I am eager to further discuss how my skills and experiences align with the Financial Analyst role at [Company Name]. I look forward to contributing to your team's success.

[Your Full Name]

Get your career rolling with Deel

Your job application is your chance to tell your professional story, and a well-tailored cover letter is your narrative's opening chapter. Remember that personalization is key. Make each word count, emphasizing how your background uniquely positions you as the ideal candidate, and get your dream job. 

Looking for even more inspiration?   Discover how to write a stellar cover letter in 5 steps .

Discover more tips and tools to help boost your career further and climb the steps to your dream job on   the get-hired content hub .

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How to Write a Finance Cover Letter

Not all jobs need them, but for those that do, here are some guidelines from morgan stanley’s recruiters on how to write one..

Searching the internet for tips on how to write a cover letter will produce a litany of dos and don’ts: Flex your communication skills, but don’t go over three paragraphs; don’t recite a generic list of skills, but do speak to every requirement in the job description; be professional, but also be personal…the list goes on.

Truth be told, not all jobs need cover letters, but for the times when they’re required, it needn’t be so complicated to get them right.   Our recruiters say that applicants can hit the mark as long as they follow a few basic rules,  and refrain from quoting Shakespeare or likening their job search to Fantine’s demise in Les Miserable. (It happens). 

1. Why You Need One

They provide a missing link between the living-you and the formulaic resume or CV. Your cover letter conveys three important things:

• You understand what the firm is looking for.
• You’ve got the skills.
• You’re articulate.

2. What to Include

Write it like a letter—include your address, Dear Sir/Madam (or better still, the name of the person, if you know who the interviewer is), and make sure to end it with a closing (“Yours faithfully,” etc).

• First Paragraph: An opening statement that sets out why you’re writing the letter. Begin by stating the position you’re applying for and if you became aware of it by going to a recruiting event.
• Middle Paragraphs: Two or three paragraphs to explain what attracted you to the type of work, why you’re interested in working for the company, and why you think you’d be a good fit.
• Last paragraph: Thank the employer and say you’re looking forward to receiving a response.

Wanted: Non-Finance Graduates

5 business communication skills for your career, don’t let these common interview questions trip you up, 3. beware the generic cover letter.

Cover letters  can end up being deal-breakers if  they have mistakes in them, and most mistakes are made when a generic letter is used for every application. You’d be surprised by how many times people forget to switch out the name of one firm for ours. Not only do we know you’re applying elsewhere, but it shows lack of attention to detail.

4. Strike an Authentic Tone

Another reason not to use a generic cover letter: It just doesn’t sound authentic. Writing it from scratch will create  a warmer, more engaging tone—even if it’s just a few paragraphs.

5. No Need to Repeat

Don’t use the cover letter to repeat skills that you’ve already outlined in the resume, which speak specifically to the requirements in the job description. 

6. Make the Most of Your Experiences

Do include  experiences or skills that might not be specifically called for in the job description, but you believe will add to your appeal and help you excel in the role.  Examples could be collaborative, leadership or problem-solving skills from extracurricular activities or previous jobs. Just ensure that they’re truly relevant and compelling, and not a stretch. 

7. Get a Second Opinion

Whatever you end up putting in your cover letter, make sure to check for mistakes. Get someone to proofread your letter for typos, grammatical errors, the wrong firm name, and any Broadway Musical references that might have made their way in.

Good luck! And feel free to reach out to our campus recruiting team members if you have any questions. 

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Resume Worded   |  Career Strategy

5 financial analyst cover letters.

Approved by real hiring managers, these Financial Analyst cover letters have been proven to get people hired in 2024. A hiring manager explains why.

Table of contents

• Financial Analyst
• Senior Financial Analyst
• Alternative introductions for your cover letter
• Financial Analyst resume examples

Financial Analyst Cover Letter Example

Why this cover letter works in 2024, increase in efficiency.

Highlighting a specific accomplishment, like increasing efficiency by 25%, shows the tangible impact you have made in your previous roles. This will grab the hiring manager's attention and demonstrate your abilities.

Budget Management

By mentioning your experience in managing a significant budget, you showcase your responsibility and trustworthiness. This will make you an attractive candidate for a financial role, as companies value employees who can handle large budgets.

Gracious Closing

Ending the cover letter with a thank you and eagerness to discuss further is a polite and professional way to close. It leaves a positive impression and expresses your genuine interest in the role.

Show how you've mastered your role

By highlighting the complex tasks you've successfully handled in your previous roles, you show the potential employer that you're not afraid of challenges and you have the skills to excel. Sharing your real-life experience navigating the complexities of financial analysis for tech startups is a good move.

Does writing cover letters feel pointless? Use our AI

Dear Job Seeker, Writing a great cover letter is tough and time-consuming. But every employer asks for one. And if you don't submit one, you'll look like you didn't put enough effort into your application. But here's the good news: our new AI tool can generate a winning cover letter for you in seconds, tailored to each job you apply for. No more staring at a blank page, wondering what to write. Imagine being able to apply to dozens of jobs in the time it used to take you to write one cover letter. With our tool, that's a reality. And more applications mean more chances of landing your dream job. Write me a cover letter It's helped thousands of people speed up their job search. The best part? It's free to try - your first cover letter is on us. Sincerely, The Resume Worded Team

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Transforming Data Into Narratives

By stating how you turned data into narratives, it becomes clear that you have a knack for simplifying complex information. Explaining financial performances to stakeholders in an understandable way is a critical skill for a Financial Analyst. A talent for 'translating' intricate financial data into digestible insights can make a huge difference in decision-making.

Actionability of Data

Emphasizing that your experiences taught you to convert data into actionable strategies is a brilliant move. It's not enough to just find or analyze data; being able to use it to make informed decisions is the real game.

Expressing Eagerness for the Role

Expressing eagerness to apply your analytical skills and innovative mindset to the Financial Analyst role shows your enthusiasm for the job. This signals you're not just looking for any job, but the right job - one where you can fully utilize your talents and grow as a professional.

Aligning with Company's Initiatives

Specifically mentioning your interest in the company's initiatives around sustainable investment strategies demonstrates that you've done your homework. It also shows that you have a clear understanding of where you can contribute, making you a stronger candidate.

Closing with Warmth

Signing off with 'Warmest regards,' can leave a positive impression. It reflects your approachability and personability, traits that are highly valued in a team-oriented environment.

Senior Financial Analyst Cover Letter Example

Illustrate your impact with numbers.

Quantifying your accomplishments like reducing reporting errors by 30% and increasing efficiency by 20% makes a strong impression. It shows the tangible impact you had in your previous role and gives the hiring manager a clear picture of what you could bring to their team.

Highlighting Key Achievements

Pointing out that you led a team that increased forecast accuracy by over 30% is a concrete example of your capacity to make a significant impact. It's an achievement that speaks volumes about your analytical skills and leadership abilities.

Understanding the Bigger Picture

Noting that your roles have highlighted the impact insightful analysis can have on a company’s strategic direction indicates that you understand the broader implications of your work. This shows your ability to think beyond the immediate task at hand.

Appreciation for Company Initiatives

Expressing admiration for initiatives around leveraging technology to predict market trends suggests that you are in touch with the latest trends in the industry. It also shows that you share the company's vision for innovation and progress.

Enthusiasm to Contribute

Stating your eagerness to bring your skills, experience, and passion to the role shows your high level of motivation. It suggests that you are not just looking for a job, but are genuinely excited about the opportunity to contribute to the company's success.

Professional Closing

Closing your cover letter with 'Best regards,' is a professional and respectful way to sign off. It leaves a good impression and sets the right tone for future interactions.

Alternative Introductions

If you're struggling to start your cover letter, here are 6 different variations that have worked for others, along with why they worked. Use them as inspiration for your introductory paragraph.

Cover Letters For Jobs Similar To Financial Analyst Roles

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Entry Level Financial Analyst Cover Letter Example

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Start your Entry Level Financial Analyst cover letter by addressing the hiring manager directly, if possible. Then, introduce yourself and state the position you're applying for. Mention where you found the job posting to show you're actively seeking opportunities in this field. Next, briefly highlight your qualifications that make you a good fit for the role. For example, you could mention your degree in finance or a related field, any relevant internships or projects, and your analytical skills. Make sure to convey your enthusiasm for the role and the company. This will help you make a strong first impression and encourage the hiring manager to read the rest of your cover letter.

The best way for Entry Level Financial Analysts to end a cover letter is by expressing gratitude for the reader's time and consideration, reiterating their interest in the role, and conveying eagerness for the next steps. For example, "Thank you for considering my application. I am very interested in the Financial Analyst position and I am confident that my skills and passion make me a strong candidate. I look forward to the possibility of discussing my application with you further." This ending is professional, courteous, and shows enthusiasm for the role. It also opens the door for further communication, which is crucial in the job application process.

Entry Level Financial Analysts should include the following in their cover letter: 1. Contact Information: Start with your name, address, phone number, and email address at the top of the letter. 2. Professional Greeting: Address the hiring manager by name if possible. If not, use a professional greeting like "Dear Hiring Manager". 3. Introduction: In the first paragraph, mention the job you're applying for and where you found the job listing. 4. Relevant Skills and Qualifications: In the body of the letter, highlight your relevant skills and qualifications. As an entry-level financial analyst, these might include your analytical skills, attention to detail, knowledge of financial software, and understanding of financial models and forecasting. 5. Education and Certifications: Mention your degree in finance, economics, or a related field. If you have any certifications like the Chartered Financial Analyst (CFA) certification, be sure to include them. 6. Internship or Project Experience: If you have any internship or project experience related to financial analysis, describe it in detail, focusing on your responsibilities and achievements. 7. Soft Skills: Don't forget to mention soft skills like communication, teamwork, and problem-solving. These are important in any job, including financial analysis. 8. Enthusiasm for the Role: Show your enthusiasm for the role and the company. Explain why you're interested in the job and how you can contribute to the company's success. 9. Closing Statement: In the closing paragraph, thank the hiring manager for considering your application and express your interest in discussing your qualifications further. 10. Professional Closing: End the letter with a professional closing like "Sincerely" or "Best regards" and your full name. Remember, your cover letter should complement your resume, not duplicate it. It's your chance to tell a story about your qualifications and enthusiasm for the role, making the hiring manager want to learn more about you.

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Financial Analyst Cover Letter Sample

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Financial Analyst Cover Letter Sample (Full Text Version)

Vince Braun

Dear Recruiters, 

I am writing to express my deep interest in the Financial Analyst position at Waras Capital, Inc. and the opportunity to apply my field experience and knowledge. I was very pleased to discover that the requirements listed in the job description align well with what I offer as a professional.

To shortly introduce myself, I am the Certified Financial Planner with a license from The Chartered Institute for Securities & Investment and a Business Administration degree from Berkeley University. I am especially skilled in all aspects of detailed financial analysis and offer a proven track record of achievements in developing financial models and conducting accurate financial forecasts. Throughout my time in the finance industry, I have also been responsible for multiple other activities including:

• Management of a team of 5 other financial analysts; participation in weekly meetings with managers. 
• Collaboration with the Operations Department in order to increase efficiency and productivity.
• Creation of financial strategies, ensuring the compliance with company policies and procedures.

I succeed at working independently on in a team and enjoy being part of a fast-paced and deadline-driven business environments. I am thrilled at the prospect of bringing my qualities and expertise to the Waras Capital, Inc. Thank you very much for taking the time to read my resume and cover letter and I look forward to speaking to you soon.

Milan Šaržík, CPRW

Milan’s work-life has been centered around job search for the past three years. He is a Certified Professional Résumé Writer (CPRW™) as well as an active member of the Professional Association of Résumé Writers & Careers Coaches (PARWCC™). Milan holds a record for creating the most career document samples for our help center – until today, he has written more than 500 resumes and cover letters for positions across various industries. On top of that, Milan has completed studies at multiple well-known institutions, including Harvard University, University of Glasgow, and Frankfurt School of Finance and Management.

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7 Finance Officer Cover Letter Examples

Finance officer cover letter examples.

In today's competitive job market, it is crucial for finance officers to have a well-tailored cover letter that effectively highlights their skills and experiences. A cover letter serves as a first impression and can greatly influence a hiring manager's decision to invite a candidate for an interview. Therefore, it is essential to craft a cover letter that stands out from the crowd and showcases why you are the best fit for the finance officer position.

A well-written cover letter can demonstrate your qualifications and convey your enthusiasm for the role. It provides an opportunity to expand upon your resume and explain how your skills and experiences make you a strong candidate. In this article, we will provide you with examples of effective finance officer cover letters to help you create your own compelling document. By following these examples and incorporating the key takeaways, you can increase your chances of securing an interview and ultimately landing your dream job as a finance officer.

Example 1: Senior Finance Officer Cover Letter Example

Key takeaways.

Emily's cover letter effectively showcases her relevant experience and highlights her achievements in financial analysis, management, and leadership.

To stand out as a finance professional, it is crucial to emphasize your accomplishments and the impact of your work. Quantify your achievements whenever possible to demonstrate your value to potential employers.

She highlights her success in improving forecasting accuracy by 20% through the development of financial models, as well as leading a team in implementing cost-saving strategies that resulted in a 15% reduction in operational expenses.

Highlighting specific accomplishments and the quantifiable results you achieved demonstrates your ability to deliver tangible results and contribute to the financial success of an organization.

Emily could further strengthen her cover letter by aligning her experience and skills with J.P. Morgan Chase & Co's specific goals and values.

Research the company thoroughly to understand its mission, values, and strategic priorities. Tailor your cover letter to demonstrate how your skills and experience align with what the company is looking for in a Senior Finance Officer.

Example 2: Financial Planning and Analysis Cover Letter

Michael's cover letter effectively showcases his experience and skills in financial planning and analysis, positioning him as an ideal candidate for the role at Goldman Sachs Group Inc.

When applying for a financial planning and analysis position, it's crucial to highlight your expertise in financial modeling, budgeting, forecasting, and data analysis. These skills are highly valued in the industry and demonstrate your ability to contribute to the company's financial success.

He emphasizes his achievements in previous roles, such as improving decision-making and financial performance through effective financial analysis and reporting.

Quantify your achievements whenever possible. Highlight specific examples where your financial analysis skills have had a measurable impact on business outcomes. This demonstrates your ability to provide valuable insights and drive positive results.

Michael also mentions his experience in collaborating with cross-functional teams and implementing new systems, showcasing his ability to work effectively in a team and contribute to process improvements.

In addition to technical skills, emphasize your ability to collaborate and communicate effectively with stakeholders at all levels. This demonstrates your potential to work seamlessly with different teams and drive organizational success.

To further strengthen his cover letter, Michael could have specifically mentioned how his skills and experience align with the requirements and values of Goldman Sachs Group Inc.

Research the company's financial planning and analysis practices and values, and tailor your cover letter to show how your expertise aligns with their specific needs. This demonstrates your commitment and understanding of the company's goals.

Example 3: Treasury Analyst Cover Letter Example

Jennifer's cover letter effectively highlights her relevant experience and demonstrates her strong qualifications for the Treasury Analyst position at Bank of New York Mellon Corporation.

When applying for a position as a Treasury Analyst, it's crucial to showcase your expertise in financial analysis and treasury operations. This demonstrates your ability to analyze financial data and make informed decisions to optimize financial performance.

Jennifer emphasizes her experience as a Financial Analyst, where she developed strong analytical skills and provided valuable insights to senior management. This showcases her ability to identify risks and opportunities and make data-driven decisions.

Highlight your experience in financial analysis and your ability to provide strategic recommendations based on your analysis. This demonstrates your ability to contribute to the organization's financial success.

She also highlights her role as a Senior Treasury Analyst, where she successfully implemented cash management strategies and improved operational efficiency. This demonstrates her ability to manage liquidity and optimize working capital.

Showcase your experience in implementing cash management strategies and improving operational efficiency. This highlights your ability to effectively manage treasury operations and contribute to cost savings and operational effectiveness.

Overall, Jennifer's cover letter effectively positions her as a qualified candidate with the necessary skills and experience to excel in the Treasury Analyst role at Bank of New York Mellon Corporation.

Example 4: Risk Management Officer Cover Letter

Robert's cover letter effectively showcases his extensive experience and expertise in risk management, positioning him as a strong candidate for the Risk Management Officer position at BlackRock Inc.

When applying for a risk management role, it is crucial to highlight your experience in identifying, assessing, and mitigating risks. This demonstrates your ability to protect the company's assets and ensure compliance with regulatory requirements.

Robert emphasizes his accomplishments in previous roles, such as successfully implementing risk management frameworks and policies, leading cross-functional teams, and conducting risk assessments. These achievements demonstrate his ability to develop and execute effective risk management strategies.

Highlight specific achievements and responsibilities relevant to risk management. This shows your practical application of risk management principles and your ability to drive positive outcomes for the organization.

To further enhance his application, Robert could consider mentioning any industry-specific certifications or training he has acquired, as well as his knowledge of relevant regulations and compliance standards.

Highlighting relevant certifications and industry knowledge can reinforce your qualifications and demonstrate your commitment to staying up-to-date with industry best practices.

Overall, Robert's cover letter effectively communicates his qualifications and demonstrates his ability to contribute to BlackRock Inc.'s risk management efforts.

Example 5: Financial Compliance Cover Letter

Samantha's cover letter effectively showcases her extensive experience in financial compliance and highlights her strong track record of success in managing compliance programs, mitigating risks, and ensuring adherence to regulations.

As a financial compliance professional, it is crucial to demonstrate your experience in conducting risk assessments, implementing effective controls, and overseeing compliance programs. This establishes your credibility and ability to navigate complex regulatory landscapes.

Samantha quantifies her accomplishments by mentioning specific results, such as a 20% reduction in compliance violations and a 30% decrease in compliance incidents. This demonstrates her ability to deliver tangible results and drive positive change.

Whenever possible, include quantifiable achievements in your cover letter to demonstrate the impact of your work. This adds credibility to your claims and highlights your ability to make a measurable difference.

While Samantha mentions her experience at leading financial institutions, she could further strengthen her pitch by highlighting any relevant certifications or specialized training she has completed in the field of financial compliance.

Don't forget to emphasize any certifications or specialized training you have received in financial compliance. This demonstrates your commitment to professional development and reinforces your expertise in the field.

Example 6: Investment Banking Cover Letter Example

Christopher's cover letter effectively highlights his extensive experience and achievements in the investment banking industry, positioning him as a strong candidate for the Investment Banking position at Morgan Stanley.

When applying for a highly competitive role in investment banking, it is crucial to emphasize your experience and track record in executing complex transactions. This demonstrates your ability to handle the demands of the industry and generate value for clients.

Christopher showcases his expertise in financial modeling, valuation, and due diligence, which are essential skills for investment banking professionals. He also emphasizes his experience in managing key client relationships and executing capital raising and M&A transactions.

Highlighting your proficiency in financial modeling, valuation, due diligence, and relationship management can significantly enhance your application for an investment banking role. These skills are highly sought after in the industry and demonstrate your ability to contribute to the success of the organization.

While Christopher's cover letter effectively highlights his experience and achievements, he could further emphasize his specific contributions to deals and transactions, showcasing his individual impact on the success of projects.

When discussing your experience, be sure to provide specific examples of deals or transactions where you made a significant contribution. This demonstrates your ability to drive results and adds credibility to your application.

Example 7: Financial Controller Cover Letter Example

Jessica's cover letter effectively highlights her experience and achievements in financial management, positioning her as a strong candidate for the Financial Controller position at Bank of America.

Emphasize your experience and accomplishments in financial management, including financial planning, analysis, reporting, and controls. This demonstrates your ability to effectively oversee financial operations and drive strategic decision-making.

She quantifies her achievements, such as a 20% reduction in reporting time and successful implementation of a new financial software system. These tangible results showcase her ability to drive efficiency and improve accuracy in financial processes.

Whenever possible, include quantifiable achievements that demonstrate the impact of your work. This provides concrete evidence of your abilities and sets you apart from other candidates.

Jessica also highlights her experience in leading high-performing teams and mentoring finance professionals. This showcases her leadership skills and ability to motivate and develop talent.

Highlight your experience in leading and managing teams, as well as any mentoring or coaching experience. This demonstrates your ability to effectively lead and develop finance professionals, which is crucial for the Financial Controller role.

Overall, Jessica's cover letter effectively showcases her expertise in financial management and leadership, making her a strong candidate for the Financial Controller position at Bank of America.

Skills To Highlight

As a finance officer, your cover letter should highlight the unique skills that make you a strong candidate for the role. These key skills include:

Financial Analysis : Showcase your ability to analyze financial data and make informed decisions based on your analysis. Highlight any experience you have in conducting financial forecasting, budgeting, or variance analysis. Employers are looking for candidates who can provide valuable insights and recommendations based on their financial analysis.

Financial Planning and Analysis : Demonstrate your expertise in financial planning and analysis, including your ability to create financial models, perform financial forecasting, and conduct scenario analysis. Emphasize your proficiency in using financial planning software and tools to support strategic decision-making.

Treasury Management : Highlight your knowledge and experience in managing cash flow, liquidity, and funding for an organization. Showcase your ability to optimize working capital, manage foreign exchange risk, and develop effective cash management strategies. Employers are looking for finance officers who can efficiently manage the organization's financial resources.

Risk Management : Illustrate your understanding of financial risks and your ability to develop and implement risk management strategies. Discuss any experience you have in identifying and assessing financial risks, such as credit risk, market risk, or operational risk. Emphasize your ability to develop risk mitigation plans and monitor risk exposures.

Financial Compliance : Highlight your knowledge of financial regulations and your ability to ensure compliance with relevant laws and standards. Showcase your experience in conducting internal audits, implementing internal controls, and preparing financial statements in accordance with accounting principles. Employers value finance officers who can maintain financial integrity and adhere to regulatory requirements.

Investment Banking : If you have experience in investment banking, emphasize your expertise in financial modeling, valuation, and deal structuring. Highlight any successful transactions or deals you have been involved in and showcase your ability to analyze investment opportunities and provide strategic advice.

Financial Control : Showcase your ability to establish and maintain financial controls to safeguard the organization's assets. Discuss your experience in conducting financial audits, monitoring financial performance, and implementing corrective actions. Employers are looking for finance officers who can ensure the accuracy and reliability of financial information.

By highlighting these key skills in your cover letter, you can demonstrate your qualifications and suitability for a finance officer position. Tailor your examples and experiences to align with the specific requirements of the job you are applying for, and emphasize how your skills can contribute to the success of the organization.

Common Mistakes To Avoid In Cover Letters

When crafting your cover letter for a finance officer position, it's important to avoid these common mistakes:

Being Too Generic : Your cover letter should be tailored to the specific finance officer role and company to which you're applying. Avoid using a generic cover letter template and instead, customize it to showcase your relevant skills and experiences that align with the job requirements. Show that you've done your research on the company and understand its financial goals and objectives.

Failing to Highlight Specific Achievements : Don't simply restate the information from your resume in your cover letter. Instead, use it as an opportunity to highlight specific achievements and successes that demonstrate your expertise in finance. Focus on quantifiable results and provide examples of how you have positively impacted financial processes, improved financial performance, or implemented cost-saving measures in your previous roles.

Neglecting to Showcase Alignment with Company's Financial Goals : A strong finance officer cover letter should not only highlight your skills and experiences but also demonstrate how your expertise aligns with the company's financial goals and objectives. Research the company's financial standing, industry trends, and any recent financial developments. Use this information to explain how your skills and experience can contribute to the company's financial success.

Lack of Attention to Detail : Finance is a field that requires attention to detail, and your cover letter should reflect this. Avoid any spelling or grammatical errors, as they can create a negative impression of your attention to detail. Take the time to proofread your cover letter carefully, and consider asking a trusted friend or family member to review it as well.

Using Jargon or Acronyms Without Explanation : While it's important to showcase your knowledge and expertise in finance, avoid using excessive jargon or acronyms that may not be familiar to the reader. If you do use technical terms, be sure to provide explanations or context to ensure that the reader understands your message clearly.

Failing to Demonstrate Strong Communication Skills : As a finance officer, effective communication is essential. Your cover letter should demonstrate your ability to communicate clearly and concisely. Avoid lengthy paragraphs and use bullet points or short sentences to convey your key points. Additionally, make sure your cover letter is well-organized and easy to read, with a professional tone throughout.

By avoiding these common mistakes, you can create a strong and compelling cover letter that showcases your qualifications as a finance officer and increases your chances of landing an interview.

In conclusion, a well-crafted cover letter is essential for a finance officer's successful job application. It serves as a personalized introduction to the potential employer and highlights the candidate's qualifications and skills that make them a perfect fit for the position. A strong cover letter demonstrates professionalism, attention to detail, and a genuine interest in the company.

By showcasing specific achievements and experiences, the cover letter helps the finance officer stand out from other applicants and leaves a lasting impression on the hiring manager. It is an opportunity to present oneself as a strong candidate who can contribute to the organization's success.

Remember to tailor the cover letter to each specific job application, addressing the company's needs and requirements. Research the company beforehand to understand its values, goals, and culture, and incorporate this knowledge into the cover letter. This shows the employer that the candidate has taken the time and effort to understand the organization and is genuinely interested in becoming a part of it.

In summary, a well-written cover letter can greatly enhance a finance officer's chances of securing a rewarding position in the competitive field of finance. It is a powerful tool that should not be underestimated. So, take the time to create a unique and compelling cover letter that showcases your skills, experiences, and passion for the finance industry. Good luck with your job application!

Financial Aid Advisor Cover Letter Examples & Writing Tips

Use these Financial Aid Advisor cover letter examples and writing tips to help you write a powerful cover letter that will separate you from the competition.

Table Of Contents

• Financial Aid Advisor Example 1
• Financial Aid Advisor Example 2
• Financial Aid Advisor Example 3
• Cover Letter Writing Tips

Financial aid advisors help students and their families find and apply for financial aid. They work with colleges, government agencies, and private organizations to secure funding for students.

To be successful in this role, you need to be patient, organized, and have a strong knowledge of financial aid options.

Use these examples and tips to write a financial aid advisor cover letter that stands out from the competition.

Financial Aid Advisor Cover Letter Example 1

I am excited to be applying for the Financial Aid Advisor position at ABC University. I have more than five years of experience working in financial aid and I possess the skills and knowledge necessary to help students and their families navigate the complex financial aid process. I am confident that I can be an asset to ABC University and I am eager to join your team.

I have a proven track record of helping students secure the financial aid they need to attend college. I have experience working with a variety of financial aid programs, including grants, loans, and scholarships. I am also knowledgeable about the different types of financial aid available to students, including federal, state, and institutional aid. I am committed to helping students find the best financial aid package for their needs and I am confident that I can provide the guidance and support students need to make informed decisions about their education.

Thank you for your time and consideration. I look forward to speaking with you further about the Financial Aid Advisor position at ABC University. I am confident that I have the skills and experience necessary to be a valuable member of your team.

Financial Aid Advisor Cover Letter Example 2

I am writing to apply for the Financial Aid Advisor position that was recently advertised on your website. I am confident that I have the skills and qualifications that you are looking for, and I am eager to put my experience to work for your organization.

I have been working in the financial aid industry for the past three years and have gained a wealth of experience in the process. I have a deep understanding of the financial aid process and the various regulations that govern it. I am also an expert in the use of financial aid software and have experience in working with a variety of different institutions.

I am a highly organized and detail-oriented individual, and I have a track record of successfully meeting deadlines. I am also a skilled communicator and have a proven ability to build positive relationships with clients and colleagues.

I am confident that I have the skills and qualifications that you are looking for, and I would be proud to be a part of your team. I look forward to hearing from you soon.

Financial Aid Advisor Cover Letter Example 3

I am writing to express my interest in the Financial Aid Advisor position that you have posted. I believe that my experience as a financial aid advisor and my educational background make me an excellent candidate for this position.

I have been working as a financial aid advisor at the University of Michigan since 2005. My duties include advising students on how to apply for financial aid, determining their eligibility for different types of aid, and helping them understand the process of applying for and receiving aid. I also work with students who are having trouble paying their tuition bills or other school-related expenses. I help them find ways to pay these bills, such as applying for scholarships or grants, or finding part-time jobs.

I have been working in higher education for over 10 years now. I started out as a student assistant at the University of Michigan, where I worked in the Registrar’s office. After graduating from college, I became a financial aid advisor at the University of Michigan. I have been working in this capacity for the past eight years.

I am confident that my experience as a financial aid advisor will be an asset to your organization. I am also confident that my ability to communicate effectively with people from all walks of life will allow me to work well with your staff and students. I look forward to hearing from you soon.

Financial Aid Advisor Cover Letter Writing Tips

1. show your experience.

When applying for a job as a financial aid advisor, you need to show how well you communicate with people from all walks of life. You’ll be communicating with clients, opposing counsel, expert witnesses and your team on a regular basis. So it’s important that you show your strong communication skills to the hiring manager in the cover letter.

To do this, talk about how effective you are at verbal and written communication. The more examples of each type of communication (written and verbal) that you can provide in your cover letter the better!

2. Customize your cover letter

Law firms are used to receiving cover letters—so many of them in fact, that they’re often just skimmed over and not given the attention they deserve. To get noticed, you need a killer opening line and customized content outlining why you want to work for their firm.

To write an effective opening line for a law firm cover letter:

• Reach out to people working at the agency through LinkedIn and ask for advice or help in crafting your resume/cover letter.
• Use specific examples from past work experiences that highlight how you can contribute to this particular company’s goals.
• Ask someone who works there what aspect of the job they found most interesting/challenging. Use this information as inspiration when writing about why you want this position.

3. Highlight intellectual curiosity and motivation

Lawyers are always looking for candidates who have a strong track record of success, but they also want to make sure they’re hiring individuals with the drive to keep learning.

To show that you have what it takes to be successful as an attorney, highlight your intellectual curiosity and motivation in your cover letter. For example, explain how you prepared for exams by reading recent case precedent or how you regularly attend networking events hosted at local law firms.

4. Proofread your cover letter

When applying for a position as an attorney, it is crucial to have a strong understanding of grammar and proper sentence structure. In your cover letter, you’ll want to avoid any mistakes in spelling or grammar. Remember that employers will look at your writing style and see if you have the necessary skills needed for the job before inviting you for an interview.

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Here you’ll find answers to key questions about the HAF program. For any other questions, see additional details below or contact a HUD-approved housing counseling agency . They can help guide you through the application process.

The Homeowner Assistance Fund was established by the American Rescue Plan Act to help homeowners who have been financially impacted by COVID-19 with certain housing-related costs. The program’s goal is to prevent:

• Mortgage issues like delinquencies, defaults, or foreclosures
• Loss of power services or other home utilities
• Homeowners being displaced and losing the ability to live in their home

The HAF program available to you will depend on your area. Each state or territory developed its own program. Programs were also developed by Tribes (or their Tribally Designated Housing Entity), the Department of Hawaiian Home Lands, and the District of Columbia.

Many programs began accepting applications in early 2022. The money for this program is limited. It is scheduled to end in September 2026, or when state funds are exhausted. In total, approximately $10 billion will be disbursed to programs across the country.

To be eligible, you must:

• Have experienced a financial hardship associated with the COVID-19 pandemic.
• Apply for assistance for your primary residence.
• Have household income at or below your state’s program requirements. Most state programs limit eligibility to households with less than 150% of the median income in your area or $79,900, whichever is higher. Some programs have established lower limits, which might not be listed here, so it's important to check the specific state requirements. Your state may also choose to use a lower income limit than what is required. Check your program’s income requirements before applying .

You may also have to meet additional requirements specific to the program where you are applying.

Depending on the program, homeowners may use the funds for expenses such as:

• Mortgage payments, including past due payments
• Property taxes
• Homeowners insurance
• Homeowners association fees
• Utilities, such as electricity, gas, home energy (including firewood and home heating oil), water, and wastewater
• Internet service
• Certain home repairs

Not all programs will cover all of the expenses listed here. Check your local program for details .

Application processes may vary by location. You will need to verify that you meet income requirements and may need to provide additional necessary documentation. You must confirm that you have experienced a financial hardship after January 21, 2020 and describe the nature of that hardship, such as a job loss, reduction in income, or increased costs due to healthcare or the need to care for a family member.

To learn about your program, visit this site and select the appropriate state, district, or territory on the map . You will be able to navigate to a page for your area’s specific program where you may be able to apply immediately or sign up to receive alerts about when your program will be available.

If you are part of a Tribe or live on tribal lands, you can reach out to your affiliate tribal government to see what HAF resources may be available.

Additional details

In most cases, programs are providing money as a grant that does not need to be paid back. However, under some circumstances, individual programs may require the money to be repaid. For example, repayment may be requested if you sell your home before a specified date. Check your specific program requirements based on your area .

If you are still unsure about whether or not you have to repay any assistance you receive, contact a HUD-approved housing counseling agency .

Application submission does not guarantee you will receive financial assistance. Depending on your area, some programs may not have enough money to help every applicant. Some locations expect to receive more applications than can be funded by their program.

In most cases, if you are approved, money will be sent directly to your mortgage servicer, utility company, or contractor making repairs, if they participate in the HAF program. Your mortgage servicer is the company that sends your mortgage statements and to which you make your mortgage payments. If money is being used to help with mortgage payments, it’s a good idea to call your servicer to discuss the process, verify that they participate in the HAF program, and let them know that they will likely be receiving payment from the HAF program. HAF assistance can and should be used in addition to any other payment adjustment options provided by your mortgage servicer.

A HUD Certified Housing Counselor can assist you with the application process. Find a housing counselor near you .

Many states cover a wide variety of homes, including:

• Single-family homes
• Condominiums
• One-to-four-unit dwellings
• Manufactured homes

Check with your local program for details

If you are otherwise eligible for HAF, you can still apply for HAF even if the foreclosure process has started. Depending on who owns your mortgage , the foreclosure process could be paused while you are in the HAF application process, and if you are approved, the money could be used to bring your mortgage current and stop foreclosure altogether. For example, if Fannie Mae or Freddie Mac backs your mortgage, your servicer is generally required to pause foreclosure activities for up to 60 days once your HAF program has notified them of your application.

Other government agencies, such as FHA, VA, and USDA, strongly encourage servicers to pause the foreclosure process once they have been notified that a borrower has applied for HAF or been approved for assistance but do not require it. Some state HAF programs may require a servicer to pause foreclosure activity. Check with your HAF program to see if they have notified your servicer. Regardless of who backs your mortgage, it’s a good idea to let your servicer know that you have applied for HAF and ask if the foreclosure process can be paused.

If you are concerned about losing your home to foreclosure, contact a HUD-approved housing counseling agency who can help you develop a plan. If you need a lawyer, you may qualify for free legal services through your local bar association or legal aid. If you are a servicemember, contact your local Legal Assistance Office .

Yes, if you are struggling to pay your mortgage and are having difficulty with your servicer related to applying for HAF, you can submit a complaint online . We’ll forward it to the company and work to get you a response, generally within 15 days.

If you have been denied for HAF, you can try to get in contact with a representative from your local HAF program who can explain why you did not meet their eligibility criteria or if funds are no longer available for the program. Find your program by visiting this site and selecting the appropriate state, district, or territory on the map.

Scammers often target vulnerable homeowners who are in need of assistance or trying to stay in their homes. A common tactic scammers use is requiring you to pay an upfront fee before giving you any services. They may also try to charge you for applying to a free program. It is generally unnecessary and often illegal for a company to charge you upfront with a promise to help you get mortgage relief. Avoid any company that does this. There is no cost to apply for HAF.

Additionally, scammers may ask you to sign over the title to your property, ask you to sign papers that you do not understand, say you should start making payments to someone other than your servicer or lender, or tell you to stop making mortgage loan payments altogether. Be careful to avoid scammers who engage in these practices.

You should always make sure you are getting information and applying from official government websites (for example, with website addresses ending in “.gov”) and sources. Scammers will sometimes use websites that look similar to official government websites to trick consumers. If you are unsure if something is a scam, contact a HUD-approved housing counseling agency .

If you do not meet the eligibility requirements for HAF or your state no longer has funds available and are still concerned about losing your home, there may be other options available to you. Learn about some potential options for making up missed mortgage payments or contact a HUD-approved housing counseling agency. They can help you figure out your options and guide you through the paperwork and process of working with your servicer. Find a housing counselor near you .

Remember, help is free. You don’t have to pay anyone to help you avoid foreclosure.

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HHS Statement Regarding the Cyberattack on Change Healthcare

The U.S. Department of Health and Human Services (HHS) is aware that Change Healthcare – a unit of UnitedHealth Group (UHG) – was impacted by a cybersecurity incident in late February. HHS recognizes the impact this attack has had on health care operations across the country. HHS’ first priority is to help coordinate efforts to avoid disruptions to care throughout the health care system.

HHS is in regular contact with UHG leadership, state partners, and with numerous external stakeholders to better understand the nature of the impacts and to ensure the effectiveness of UHG’s response. HHS has made clear its expectation that UHG does everything in its power to ensure continuity of operations for all health care providers impacted and HHS appreciates UHG’s continuous efforts to do so. HHS is also leading interagency coordination of the Federal government’s related activities, including working closely with the Federal Bureau of Investigations (FBI), the Cybersecurity and Infrastructure Security Agency (CISA), the White House, and other agencies to provide credible, actionable threat intelligence to industry wherever possible.

HHS refers directly to UHG for updates on their incident response progress and recovery planning. However, numerous hospitals, doctors, pharmacies and other stakeholders have highlighted potential cash flow concerns to HHS stemming from an inability to submit claims and receive payments. HHS has heard these concerns and is taking direct action and working to support the important needs of the health care community.

Today, HHS is announcing immediate steps that the Centers for Medicare & Medicaid Services (CMS) is taking to assist providers to continue to serve patients. CMS will continue to communicate with the health care community and assist, as appropriate. Providers should continue to work with all their payers for the latest updates on how to receive timely payments.

Affected parties should be aware of the following flexibilities in place:

• Medicare providers needing to change clearinghouses that they use for claims processing during these outages should contact their Medicare Administrative Contractor (MAC) to request a new electronic data interchange (EDI) enrollment for the switch. The MAC will provide instructions based on the specific request to expedite the new EDI enrollment. CMS has instructed the MACs to expedite this process and move all provider and facility requests into production and ready to bill claims quickly. CMS is strongly encouraging other payers, including state Medicaid and Children’s Health Insurance Program (CHIP) agencies and Medicaid and CHIP managed care plans, to waive or expedite solutions for this requirement.
• CMS will issue guidance to Medicare Advantage (MA) organizations and Part D sponsors encouraging them to remove or relax prior authorization, other utilization management, and timely filing requirements during these system outages. CMS is also encouraging MA plans to offer advance funding to providers most affected by this cyberattack.
• CMS strongly encourages Medicaid and CHIP managed care plans to adopt the same strategies of removing or relaxing prior authorization and utilization management requirements, and consider offering advance funding to providers, on behalf of Medicaid and CHIP managed care enrollees to the extent permitted by the State. 
• If Medicare providers are having trouble filing claims or other necessary notices or other submissions, they should contact their MAC for details on exceptions, waivers, or extensions, or contact CMS regarding quality reporting programs.
• CMS has contacted all of the MACs to make sure they are prepared to accept paper claims from providers who need to file them. While we recognize that electronic billing is preferable for everyone, the MACs must accept paper submissions if a provider needs to file claims in that method.

CMS has also heard from providers about the availability of accelerated payments, like those issued during the COVID-19 pandemic. We understand that many payers are making funds available while billing systems are offline, and providers should take advantage of those opportunities. However, CMS recognizes that hospitals may face significant cash flow problems from the unusual circumstances impacting hospitals’ operations, and – during outages arising from this event – facilities may submit accelerated payment requests to their respective servicing MACs for individual consideration. We are working to provide additional information to the MACs about the specific items and information a provider’s request should contain. Specific information will be available from the MACs later this week.

This incident is a reminder of the interconnectedness of the domestic health care ecosystem and of the urgency of strengthening cybersecurity resiliency across the ecosystem. That’s why, in December 2023, HHS released a concept paper that outlines the Department’s cybersecurity strategy for the sector. The concept paper builds on the National Cybersecurity Strategy that President Biden released last year, focusing specifically on strengthening resilience for hospitals, patients, and communities threatened by cyber-attacks. The paper details four pillars for action, including publishing new voluntary health care-specific cybersecurity performance goals, working with Congress to develop supports and incentives for domestic hospitals to improve cybersecurity, increasing accountability within the health care sector, and enhancing coordination through a one-stop shop.

HHS will continue to communicate with the health care sector and encourage continued dialogue among affected parties. We will continue to communicate with UHG, closely monitor their ongoing response to this cyberattack, and promote transparent, robust response while working with the industry to close any gaps that remain.

HHS also takes this opportunity to encourage all providers, technology vendors, and members of the health care ecosystem to double down on cybersecurity, with urgency. The system and the American people can ill afford further disruptions in care. Please visit the  HPH Cyber Performance Goals website for more details on steps to stay protected.

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• Health and social care
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• National flu immunisation programme plan 2024 to 2025
• Department of Health & Social Care
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• UK Health Security Agency

National flu immunisation programme 2024 to 2025 letter

Updated 12 March 2024

© Crown copyright 2024

This publication is licensed under the terms of the Open Government Licence v3.0 except where otherwise stated. To view this licence, visit nationalarchives.gov.uk/doc/open-government-licence/version/3 or write to the Information Policy Team, The National Archives, Kew, London TW9 4DU, or email: [email protected] .

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This publication is available at https://www.gov.uk/government/publications/national-flu-immunisation-programme-plan-2024-to-2025/national-flu-immunisation-programme-2024-to-2025-letter

12 March 2024

Dear colleagues,

Flu vaccination remains a critically important public health intervention to reduce morbidity and mortality in those most at risk including older people, pregnant women and those in clinical risk groups. It helps the health and social care system manage winter pressures by helping to reduce demand for GP consultations and likelihood of hospitalisation. Vaccinating health and care workers also plays an important role in helping to prevent transmission of flu, protecting themselves and those they care for.

This letter sets out guidance for the 2024 to 2025 season and includes the next steps for regions and providers to take, including which flu vaccines to order. The letter confirms that there are no changes to the eligible cohorts for the coming year, although providers should read the section on the timing of the programme carefully.

Eligibility

Eligibility for flu vaccination is based on the advice and recommendations of the Joint Committee on Vaccination and Immunisation ( JCVI ). This includes a vaccination programme for children based on JCVI ’s 2012 recommendation , using live attenuated influenza vaccine ( LAIV ) which provides individual protection to the child and reduces transmission in the wider population.

The following groups are to be offered flu vaccination in line with the announced and authorised cohorts ( see timings section ):

From 1 September 2024:

• pregnant women
• all children aged 2 or 3 years on 31 August 2024
• primary school aged children (from Reception to Year 6)
• secondary school aged children (from Year 7 to Year 11)
• all children in clinical risk groups aged from 6 months to less than 18 years

From October 2024, exact start date to be confirmed by NHS England in due course:

• those aged 65 years and over
• those aged 18 years to under 65 years in clinical risk groups (as defined by the Green Book, Influenza Chapter 19 )
• those in long-stay residential care homes
• carers in receipt of carer’s allowance, or those who are the main carer of an elderly or disabled person
• close contacts of immunocompromised individuals
• frontline workers in a social care setting without an employer led occupational health scheme including those working for a registered residential care or nursing home, registered domiciliary care providers, voluntary managed hospice providers and those that are employed by those who receive direct payments (personal budgets) or Personal Health budgets, such as Personal Assistants

All frontline health care workers, including both clinical and non-clinical staff who have contact with patients, should be offered flu vaccine from October (exact start date to be confirmed in due course) as a vital part of the organisations’ policy for the prevention of the transmission of flu. Social care workers directly working with people clinically vulnerable to flu should also have the flu vaccine provided by their employer. There are circumstances where frontline staff, employed by specific social care providers without access to employer led occupational health schemes (see cohort  eligibility  above), can access the vaccine through the NHS free of charge. For NHS Standard Contract holders, further information about the 2024 to 2025 Commissioning for Quality and Innovation ( CQUIN ) scheme will be available shortly.

Providers are expected to deliver a 100% offer to eligible groups. They should ensure they make firm plans to equal or improve uptake rates in 2024 to 2025, particularly in those cohorts where uptake has traditionally been lower (clinical risk groups, children aged 2 and 3 years, and pregnant women). Providers should also ensure they have robust plans in place for tackling health inequalities for all underserved groups.

Based on the evidence that flu vaccine’s effectiveness can wane over time in adults JCVI have advised moving the start of the programme for most adults to the beginning of October. This is on the understanding that the majority of the vaccinations will be completed by the end of November, closer to the time that the flu season commonly starts. It is preferable to vaccinate individuals closer to the time when the flu virus is likely to circulate (which typically peaks in December or January), as this will provide optimal protection during the highest risk period. As flu circulation in children normally precedes that in adults, the Committee agreed that the children’s programme should continue to start in September as early as delivery and supply allows. No change in the timing of the offer for the maternal programme was advised (see paragraph on pregnant women below).

Protection from the vaccine lasts much longer in children, therefore the priority is to start vaccinating all children (including those in clinical risk groups) from 1 September, or as soon as vaccine becomes available, both to provide early protection to children and reduce transmission to the wider population. As the public health impact of vaccination is greater in younger children, where possible, school-aged immunisation providers are encouraged to schedule vaccination of primary school children early in the season. For school-aged cohorts, vaccination should be completed by the second Friday in December (13 December 2024).

Pregnant women are an exception to the advice on a later start date (see section on timing ). There are 3 clinical reasons to vaccinate pregnant women against flu:

• to protect the pregnant women themselves (they are at higher risk from complications from flu)
• to protect the baby during pregnancy (for example flu infection increases the risks of the baby being premature or stillborn)
• to protect the baby in the first few months of life (babies aged under 6 months are at high risk of complications from flu)

Although the first and second of these reasons would align with the advice to provide maximal protection during the expected flu season, the third reason requires women to be vaccinated prior to delivery and therefore vaccination of pregnant women should begin from 1 September. Pregnant women are not expected to lose protection as rapidly as the elderly population and therefore starting vaccination (particularly in those women who are in the later stages of pregnancy) earlier than for those in other clinical risk groups, will still offer protection to women themselves in the peak season. Commencing vaccination early will, however, ensure that as many newborn babies as possible are protected during the flu season and help to optimise uptake.

Following clinical assessment, there may be a small number of other adults for whom it would be better not to delay flu vaccination until October. For example, for those who are due to commence immunosuppressive treatment (such as chemotherapy) before October, having flu vaccine before they start treatment would allow them to make a better response to their vaccination. GPs should use clinical judgement to bring forward vaccination in exceptional circumstances, as outlined in the Green Book, and offer vaccination as soon as vaccine comes available in line with contractual arrangements.

Recommended vaccines

Every year JCVI reviews the latest evidence on flu vaccines and advises the type of vaccine to be offered to different age groups.

Adult vaccines eligible for reimbursement

No changes were recommended by JCVI for adult flu vaccines for 2024 to 2025. Providers should ensure that they have ordered adequate supplies of the recommended vaccines to vaccinate all eligible individuals included within this letter.

The following vaccines will be reimbursed for adults in the programme:

[note 1] As in previous years, aQIV may be offered ‘off-label’ to those who become 65 years of age before 31 March 2025.

If you have a supply of QIVr , preliminary UKHSA evidence in the UK from the 2022 to 2023 season and international evidence suggests that the potential additional benefit may be greatest in adults aged 65 years and older (compared to those aged 18 to 64 years). Therefore, the clinical recommendation would be to prioritise the use of any QIVr for use in the 65 years and over age group.

Contractual requirements for all commissioned NHS flu vaccination providers will state that to receive payment for flu vaccination and reimbursement of flu vaccine they will need to use the specific flu vaccines outlined above for the appropriate cohort and administer vaccines in line with the announced and authorised cohorts. Please note that commissioners will actively reclaim any payments made for the incorrect vaccine administered. The GP and Community Pharmacy service specifications will be updated and published in due course following usual engagement with relevant representative bodies.

Every effort should be made to use the best available flu vaccines. Providers should only purchase the alternative second line vaccines outlined above, if all attempts to secure the recommended first line vaccines have failed. Providers may be asked to provide evidence to show this upon request from their commissioner.

With the exception of frontline workers in certain social care settings (see paragraphs above on eligibility ), please be aware the vaccination of all other frontline health care staff (for example, those working in NHS Trusts, Primary Care organisations, and private sector health care organisations) will not be reimbursed and does not qualify for a payment under the NHS flu programme.

Due to manufacturing processes and commissioning arrangements, some vaccines may only be available in limited quantities or batches of vaccine may be subject to delay. Therefore, it is recommended that orders are placed with more than one manufacturer to ensure providers receive sufficient stock. Providers should remain flexible when scheduling vaccination sessions and be prepared to reschedule if necessary.

Children’s vaccines

No changes were recommended by JCVI for children’s flu vaccines for 2024 to 2025.The UK Health Security Agency ( UKHSA ) supplies all flu vaccines for the children’s programme and these will be available to order through ImmForm and are not reimbursable.

The following vaccines will be available to order:

[note 2] The egg-grown quadrivalent influenza vaccine ( QIVe ) can also be considered if QIVc is not available. As this is a second line vaccine, it is not supplied by UKHSA ’s ImmForm website.

As in previous seasons, ordering controls will be in place for LAIV in 2024 to 2025 to enable UKHSA to balance vaccine availability and demand appropriately across the programme. The latest information on ordering controls and other ordering advice for UKHSA supplied flu vaccines will be featured on the ImmForm news page, both prior to and during the flu vaccination period. Information will also be featured in Vaccine Update and disseminated via the National Immunisation Network as appropriate. It is strongly advised that all parties involved in the provision of flu vaccines to children ensure they remain up to date with this information at all times.

Co-administration

Further guidance will follow on how the flu programme should be aligned to any autumn COVID-19 vaccination programme. Providers are encouraged to align delivery of the flu vaccination programme with other commissioned vaccination programmes for which the patient may be eligible (for instance shingles, pertussis, or pneumococcal vaccines) where it is clinically acceptable, operationally feasible, and where the patient is content. Where co-administration may not be feasible providers must make every effort to encourage individuals to take up the offer of every vaccine they are eligible for.

Data collection

UKHSA is responsible for monitoring vaccine coverage and for publishing vaccine uptake for frontline healthcare workers ( HCWs ) (DAPB2204), school aged children (DAPB2195) and eligible GP registered patients (DCB2211 and DCB2205). These national Official Statistics collections are managed through the ImmForm website , reported to the World Health Organization and used in public notices. Providers should ensure they complete these data returns through ImmForm during the appropriate time windows throughout the season.

During the 2024 to 2025 flu immunisation programme monthly data collections for frontline HCWs and eligible GP registered patients will take place over 5 months (November to March publications), and for school aged children over 4 months (November to February publications).

The NHS England automated data collection to monitor uptake and inform payment of flu and COVID-19 vaccinations to frontline HCWs will continue in 2024 to 2025, as commissioned under the NHS Standard Contract (DAPB4075).

All corresponding Data Alliance Partnership Board (DAPB) approvals for the above collections are available.

• NHS Trusts delivering vaccinations must use an NHS-endorsed Point of Care ( PoC ) system for vaccination event data capture. This will feed back to relevant systems, such as the service user’s GP record, and national and local reporting tools. Primary care providers must use their relevant systems for vaccination event data capture and where required share the vaccination event details with the service user’s registered practice.

Further information

The influenza chapter in ‘Immunisation against infectious disease’ (the ‘Green Book’), gives detailed descriptions of the clinical risk groups and guidance for HCWs on administering the influenza vaccine.

See Annexe A for links to resources that will become available to support the 2024 to 2025 programme.

We would like to thank everyone for their continued hard work in support of the annual flu immunisation programme.

Yours sincerely,

Dr Thomas Waite, Deputy Chief Medical Officer for England

Dr Mary Ramsay, Director of Public Health Programmes, UK Health Security Agency

Steve Russell, National Director for Vaccinations and Screening, NHS England

Any enquiries regarding this publication should be sent to [email protected]  and [email protected] .

For operational immunisation queries, providers should contact their regional NHS England Public Health Commissioner.

Annexe A: Key resources to support the programme

Further information on the 2024 to 2025 programme will be available from:

Annual flu programme

Flu vaccines poster – aide memoire

Flu immunisation PGD templates

Flu immunisation training

e-learning programme

ImmForm Survey User guides

Flu vaccine uptake figures

Health Publications

Campaign Resource Centre

Future NHS – Collaboration platform

Vaccine Update – UKHSA monthly newsletter

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Medical Financial Assistance

Candace Maher struggled with high medical bills after several unexpected surgeries. Kaiser Permanente’s Medical Financial Assistance program helped pay for her medical care.

Improving health care access for people with limited incomes and resources is fundamental to Kaiser Permanente’s mission. Our Medical Financial Assistance program is open to patients with low incomes, whether they have health insurance or not.

The program provides temporary financial assistance to help qualified patients pay for health care based on their financial need. This includes emergency, urgent, or medically necessary care, as well as pharmacy services and products received from Kaiser Permanente providers or facilities.

Patients who qualify get some or all of their costs covered regardless of whether they have health care coverage, or are uninsured, or are underinsured. 

Am I eligible for Medical Financial Assistance?

• If your household income is at or below 300%, or in some regions up to 400%, of the  federal poverty guidelines , you may be eligible.
• If you’re experiencing high medical expenses as compared to your income, regardless of household income, you may be eligible.

How can I get more program information?

The policy, application, and plain language summary are available online, by email, in person, by telephone, or by U.S. mail.

Please select the region where you received your service below to find these resources

What does the MFA program cover?

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What isn't covered by the MFA program?

The MFA program does not cover:

• Health care premiums
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• Services that are not considered emergency or medically necessary as determined by a Kaiser Permanente provider including cosmetic surgery and services, infertility treatments, retail medical supplies, and surrogacy services
• Services related to third-party liability, or workers’ compensation cases

How do I apply for Medical Financial Assistance?

The  most convenient option for most people is to apply online.

Alternatively, you can apply via fax, mail, drop-off, or phone. 

For more details or to start the application online, see "Get Started" below and select the region where you received the services you need help paying for.

What information will I need to apply?

You'll need the following information to apply:

• Household size and income information for all adults in the household
• Health care costs 
• Proof of income

Income verification is part of determining eligibility for medical financial assistance. Including proof-of-income documentation with your application will help confirm your income accuracy during the review process. The table below lists the types of documents to submit.

What to expect after I apply?

We will make every reasonable effort to process your application promptly. Once we receive the completed application, we’ll send you a letter confirming the outcome within 30 business days. If it is not approved, we will provide a reason for the denial and instructions on how to appeal the decision if you disagree. 

Other beneficial programs and resources

Kaiser Permanente offers a variety of bill pay options and resources to help you manage your medical costs. You can pay your bill, set up a payment plan, or view other bill pay options at Help Paying Your Bills .

If you don’t have health care coverage and would like more information, call us at  1-800-479-5764  (TTY 711) Monday through Friday between 9 a.m. and 5 p.m. to learn more about coverage options.

We’re here to support you however we can. If you need help with essentials like food, housing, paying for internet or other utilities, and more, the  Kaiser Permanente Community Support Hub  can help connect you to resources in your community. Call  1-800-443-6328  (TTY 711), Monday through Friday between 8 a.m. and 5 p.m.

Get started

For program materials or to start the application process, please select the region where you received your service:

Apply online

To request a link to the online application, please provide your full name and email in the form below. Once submitted, you will receive instructions via email on how to start a new application.

You can also use the form to add information to an existing application. You can also use it to start an appeal.

How do I get program information?

You can  download the program application, plain-language summary, policy, and other documents. These include translated and screen reader-accessible versions. Program information is also available at the Admitting, Emergency Room, and Patient Financial Advisors departments at any Kaiser Permanente medical office in Northern California.

Counselors are available by telephone to provide information, determine MFA eligibility, or help with the MFA application process. Counselors can be reached at  1-800-390-3507 Monday through Friday, 8 a.m. to 5 p.m., Pacific time.

You can request program information by mail. Information requests can be mailed to:

Kaiser Permanente MFA Program P.O. Box 30006 Walnut Creek, CA 94598

Alternative ways to apply

Apply by fax

Fax your completed application to 1-800-687-9901.

Apply by mail

Mail completed application to:  

Kaiser Permanente MFA Program P.O. Box 30006 Walnut Creek, CA 94598.

Drop it off

Drop off your completed application at Patient Financial Operations at any Kaiser Permanente facility.

Further details

How are award amounts calculated.

Medical Financial Assistance award amounts are based on your household income as a percentage of the  federal poverty guidelines :

Past MFA award recipients aren’t guaranteed future awards. Kaiser Permanente reserves the right to change the terms and conditions of the MFA program at any time. An MFA award is not a covered benefit and does not change the services covered or cost-sharing owed under your plan.

Which providers are covered under the program?

See the list of providers for Northern California .

How do I file an appeal?

If your application was recently denied or you believe you qualify for a larger award, you can appeal the decision.

Start an appeal application by providing your full name and email address in the form . Once submitted, you will receive instructions via email on how to file an appeal.

You will need to provide:

• The reason why you’re appealing (job loss, for example) 
• Current financial documentation of your total gross household income to support your appeal (refer to the table shown in the “ What information will I need to apply ” section above for the required documentation of your income)

You may also file an appeal if your medical expenses exceed 10% of your annual gross household income over the previous 12 months.

To do this, you should provide the following:

• Proof of income for your annual gross household income
• Proof of non-Kaiser Permanente medical and/or dental expenses
• Provider’s name and address
• Patient’s name
• Description of services or supplies provided

You will not be refunded for any payments you make before an appeal is approved.

You have 30 days to file an appeal. After 30 days, you will be asked to submit a new application.

To appeal for a larger award, you may appeal at any time before the award end date. 

If you didn’t provide the requested financial documentation or if your income changed, you can submit additional documentation. See the “ What information will I need to apply ” section above for the required income documentation.

To submit your appeal via fax or mail, complete and return the Appeal Request form included with your award letter along with supporting documentation:

To submit your appeal letter and documentation, please fax or mail using the contact information below:

• By fax: 1-800-687-9901
• By mail: Kaiser Permanente MFA Program P.O. Box 30006 Walnut Creek, CA 94598

Send copies of official documents; originals are not required.

Write the following information on the first page of your proof of income:

• First and last name
• Medical record number (if any)
• Home address
• Date of birth

Once we receive the requested documentation, we’ll send you a letter regarding the decision on your appeal within 30 days. If you file an appeal without including any additional information with your request, we’ll automatically deny your appeal. All appeal decisions are final.

How much will patients who have no health insurance be charged for services? (Amounts generally billed)

" Amounts generally billed " or AGB, is based on the lowest average of the amounts that were paid to a Kaiser Permanente facility by private health insurers, Medicare fee-for-service and Medicaid fee-for-service (and co-pays and deductibles) for emergency or medically necessary services, based on actual claim data from October 1, 2022, to September 30, 2023, which is consistent with the look-back method. Total expected payment from allowed claims was divided by total billed charges for such claims, and that number was subtracted from 1 to calculate the AGB percentage. The 2024 AGB reduction to gross charges is 67%  for hospital charges.

Is there language assistance?

Interpreters are available to you at no cost. The application, policy, and policy summary may be available in your language. For more information, call  1-800-464-4000 .

Accessible alternative formats include large print, Braille , and audio.

Need more help?

For help or questions about the medical financial assistance application process or other questions, please call  1-800-390-3507  or speak to a financial counselor in the Admitting Department at any Kaiser Permanente medical facility.

Help paying your bill

There are free consumer advocacy organizations that will help you understand the billing and payment process. You may call the Health Consumer Alliance at  1-888-804-3536  (TTY 711) or go to  healthconsumer.org  for more information.

Hospital Bill Complaint Program

The Hospital Bill Complaint Program is a state program, which reviews hospital decisions about whether you qualify for help paying your hospital bill. If you believe you were wrongly denied financial assistance, you may file a complaint with the Hospital Bill Complaint Program. Go to  HospitalBillComplaintProgram.hcai.ca.gov  for more information and to file a complaint.

You can  download the program application, plain-language summary, policy, and other documents. These include translated and screen reader-accessible versions. Program information is also available at the Admitting, Emergency Room, and Patient Financial Advisors departments at any Kaiser Permanente medical office in Southern California.

Counselors are available by telephone to provide information, determine MFA eligibility, or help with the MFA application process. Counselors can be reached at  1-800-390-3507 Monday through Friday, 8 a.m. to 5 p.m., Pacific time

Kaiser Permanente MFA Program P.O. Box 7086 Pasadena, CA 91109-7086

Fax your completed application to 1-866-519-1693.

Drop off your completed application at your local Kaiser Permanente Hospital Admitting Department.

Meet with a financial counselor

Schedule an appointment with a financial counselor at one of our designated facilities, Monday through Friday, 8 a.m. to 5 p.m. Pacific time.  

Be prepared to provide all the information listed on your application.

Call us at 1-800-390-3507 (TTY 711), Monday through Friday, 8 a.m. to 5 p.m. Pacific time.

Medical Financial Assistance award amounts are based on your household income as a percentage of the  federal poverty guidelines : 

See the list of providers for Southern California .

• The reason why you’re appealing (job loss, for example)
• Current financial documentation of your total gross household income to support your appeal (refer to the table shown in the “ What information will I need to apply ” section above for the required documentation of your income)

To appeal for a larger award, you may appeal at any time before the award end date. 

To submit your appeal via fax or mail, complete and return the Appeal Request form included with your award letter along with supporting documentation:

• By fax: 1-866-519-1693
• By mail: Kaiser Permanente MFA Program​ P.O. Box 7086​ Pasadena, CA 91109-7086

" Amounts generally billed "  or AGB, is based on the lowest average of the amounts that were paid to a KP facility by private health insurers, Medicare fee-for-service and Medicaid fee-for-service (and co-pays and deductibles) for emergency or medically necessary services, based on actual claim data from October 1, 2022, to September 30, 2023,  which is consistent with the look-back method. Total expected payment from allowed claims was divided by total billed charges for such claims, and that number was subtracted from 1 to calculate the AGB percentage. The 2024 AGB reduction to gross charges is 65% for hospital charges.

Accessible alternative formats include large print, Braille, and audio.

You can  download the program application, plain-language summary, policy, and other documents. These include translated and screen reader-accessible versions. Program information is also available at Kaiser Permanente medical facilities.

Counselors are available by telephone to provide information, determine MFA eligibility, or help with the MFA application process. Counselors can be reached at  303-338-3555 ,  1-866-899-6018 , or TTY: 1-800-659-2656; Monday through Friday, 10 a.m. to 3 p.m. Mountain time.

Northfield Support Services Attention: MFA Program 11000 E. 45th Ave. Denver, CO 80239-3004

Fax your completed application to 1-855-300-3684.

Mail completed application to:

Northfield Support Services Attention: MFA Program 11000 E. 45th Avenue Denver, CO 80239-3004

Drop off your completed application at Patient Registration at any Kaiser Permanente medical office.

To appeal for a larger award you may appeal at any time before the award end date. 

• By fax: 1-855-300-3684
• By mail: Northfield Support Services ​ Attention: MFA Program​ 11000 E. 45th Avenue​ Denver, CO 80239-3004

Amounts Generally Billed apply to eligible hospital services rendered at a Kaiser Foundation Hospital only and do not apply to services provided by the Colorado Region.

Interpreters are available to you at no cost. The application, policy, and policy summary may be available in your language. For more information, call 1-866-899-6018  or TTY: 1-800-659-2656.

For help with the medical financial assistance application or other questions, please call  1-866-899-6018 (TTY: 1-800-659-2656 ) , or speak to a financial counselor or patient registration associate in the patient registration department at your local Kaiser Permanente medical office.

Counselors are available by telephone to provide information, determine MFA eligibility, or help with the MFA application process. Counselors can be reached at 404-949-5112 (TTY: 1-800-255-0056) Monday through Friday, 8:30 a.m. to 4:30 p.m. Eastern time.

Kaiser Permanente Attention: Patient Financial Services Nine Piedmont Center 3495 Piedmont Rd., NE Atlanta, GA 30305-1736

Fax your completed application to 1-877-899-5635

Kaiser Permanente MFA Program Nine Piedmont Center 3495 Piedmont Rd., NE Atlanta, GA 30305-1736

Drop off your completed application at the Patient Business Office at any Kaiser Permanente medical office.

• By fax: 1-877-899-5635
• By mail: Kaiser Permanente MFA Program Nine Piedmont Center 3495​ Piedmont Rd., NE Atlanta, GA 30305-1736

Amounts Generally Billed apply to eligible hospital services rendered at a Kaiser Foundation Hospital only and do not apply to services provided by the Georgia Region.

Interpreters are available to you at no cost. The application, policy, and policy summary may be available in your language. For more information, call 40 4-949-5112 .

For help with the medical financial assistance application or other questions, please call 404-949-5112, or speak to a business office supervisor in the Patient Business Office at your local Kaiser Permanente medical office.

Urgent: For patients affected by the wildfires on Maui

Patients affected by the wildfires on Maui are encouraged to contact us at  1-808-432-7940  or  1-800-598-5928  to speak with a financial counselor to determine eligibility and apply for Medical Financial Assistance.

See below for more information or to access program materials.

You can  download the program application, plain-language summary, policy, and other documents. These include translated and screen reader-accessible versions. Program information is also available at the Admitting, Emergency Room, and Patient Financial Advisors departments at any Kaiser Permanente medical office in Hawaii.

Counselors are available by telephone to provide information, determine MFA eligibility, or help with the MFA application process. Counselors can be reached at   808-432-7940  or  1-800-598-5928  Monday through Friday, 8:30  a.m. to 5 p.m, Hawaii time.

Kaiser Permanente Attention: MFA Program — Business Services  3288 Moanalua Road Honolulu, HI 96819

Fax your completed application to 808-432-7950.

Mail completed application to: Kaiser Permanente Attention: MFA Program — Business Services 3288 Moanalua Road Honolulu, HI 96819

Drop off your completed application at any Kaiser Permanente facility.

Meet with a financial counselor at the Moanalua Medical Center, or the Waipio, Honolulu, or Mapunapuna medical office buildings, Monday through Friday, 8:30 a.m. to 5 p.m. Hawaii time.  

Medical Financial Assistance award amounts are based on your household income as a percentage of the federal poverty guidelines :

See the list of providers for Hawaii .

• By fax: 808-432-7950​
• By mail: Kaiser Permanente Attention: MFA Program — Business Services​ 3288 Moanalua Road​ Honolulu, HI 96819​

" Amounts generally billed " or AGB, is based on the lowest average of the amounts that were paid to a Kaiser facility by Medicare fee-for-service and Medicaid fee-for-service (and co-pays and deductibles) for emergency or medically necessary services, based on actual claim data from October 1, 2022, to September 30, 2023, which is consistent with the look-back method. Total expected payment from allowed claims was divided by total billed charges for such claims, and that number was subtracted from 1 to calculate the AGB percentage. The 2024 AGB reduction to gross charges is 62% for hospital charges.

Interpreters are available to you at no cost. The application, policy, and policy summary may be available in your language. For more information, call  808-432-5955 .

For help with the medical financial assistance application or other questions, please call  808-432-7940  or  1-800-598-5928 , or speak to a financial counselor in the Business Services Department at the Kaiser Permanente medical facility.

You can download  the program application, plain-language summary, policy, and other documents. These include translated and screen reader-accessible versions. Program information is also available at Kaiser Permanente medical facilities.

Counselors are available by telephone to provide information, determine MFA eligibility, or help with the MFA application process. Counselors can be reached at  1-844-412-0919  Monday through Friday, 9:30 a.m. to 3:30 p.m. Eastern time.

Kaiser Permanente MFA Program 2101 East Jefferson St. Rockville, MD 20852-9468

Fax your completed application to 1-855-414-1713.

Kaiser Permanente MFA Program 2101 East Jefferson St. Rockville, MD 20852

Drop off your completed application at Member Services at any Kaiser Permanente medical center.

Medical Financial Assistance award amounts are based on your household income as a percentage of the  federal poverty guidelines .

Patients with Medicare Part D who are approved for a partial MFA award will be expected to pay the remaining pharmacy balance at the point of sale or when ordering by mail.

• Current financial documentation of your total gross household income to support your appeal (refer to the table shown in the  “ What information will I need to apply ” section above for the required documentation of your income)
• By fax: 1-855-414-1713
• By mail: Kaiser Permanente MFA Program​ 2101 East Jefferson St.​ Rockville, MD 20852 

Amounts Generally Billed apply to eligible hospital services rendered at a Kaiser Foundation Hospital only and do not apply to services provided by the Mid-Atlantic States Region.

Interpreters are available to you at no cost. The application, policy, and policy summary may be available in your language. For more information, call  1-844-412-0919 .

For help with the medical financial assistance application or other questions, please call  1-844-412-0919, or speak to an MFA specialist in the MFA Department or the Administration Office at your local Kaiser Permanente Medical Office.

You can  download   the program application, plain-language summary, policy, and other documents. These include translated and screen reader-accessible versions. Program information is also available at the Admitting, Emergency Room, and Patient Financial Advisors departments at any Kaiser Permanente medical office in Oregon or Southwest Washington.

Counselors are available by telephone to provide information, determine MFA eligibility, or help with the MFA application process. Counselors can be reached at  503-813-2000 or 1-800-813-2000 (TTY 711) . Monday through Friday, 8 a.m. to 6 p.m. Pacific time.

Kaiser Permanente Attention: Financial Counselors 500 NE Multnomah St. Portland, OR 97232

Fax your completed application to 1-877-829-3547.

Drop off your completed with the Registration (check-in) staff at any Kaiser Permanente facility, Monday through Friday, 8 a.m. through 6 p.m. Pacific time.

Medical Financial Assistance award amounts are based on your household income as a percentage of the federal poverty guidelines .

See the list of providers for the Northwest .

• By fax:  1-877-829-3547​
• By mail: Kaiser Permanente​ Attention: Financial Counselors​ 500 NE Multnomah St.​ Portland, OR 97232

Amounts generally billed  or AGB, is based on the lowest average of the amounts that were paid to a Kaiser facility by Medicare fee-for-service and Medicaid fee-for-service (and co-pays and deductibles) for emergency or medically necessary services, based on actual claim data from October 1, 2022, to September 30, 2023,  which is consistent with the look-back method. Total expected payment from allowed claims was divided by total billed charges for such claims, and that number was subtracted from 1 to calculate the AGB percentage. The 2024 AGB reduction to gross charges is 64% for hospital charges.

Interpreters are available to you at no cost. The application, policy, and policy summary may be available in your language. For more information, call  1-800-324-8010,   or TTY 711.

For help with the medical financial assistance application or other questions, please call  1-800-813-2000 .

Our staff is available by telephone to provide information, determine MFA eligibility, or help with the MFA application process. Staff can be reached at  1-800-442-4014  (TTY 711), Monday through Friday, 8 a.m. to 5 p.m., Pacific time.

Kaiser Permanente MFA Program P.O. Box 34584 Seattle, WA 98124-1584

Fax your completed application to 206-877-0640.

Mail completed application to: Kaiser Permanente MFA Program P.O. Box 34584 Seattle, WA 98124-1584

Drop off your completed application at the Business Office or check-in desk at any Kaiser Permanente facility. 

Meet with a financial counselor at the Business Office or check-in desk at any Kaiser Permanente facility.  

Staff is also available at the Bellevue, Capitol Hill, Olympia, Silverdale, and Tacoma medical centers.

See the list of providers for Washington .

• By fax: 206-877-0640
• By mail: Kaiser Permanente​ MFA Program P.O. Box 34584​​ Seattle, WA 98124-1584

" Amounts generally billed "  or AGB, is based on the lowest average of the amounts that were paid to a Kaiser Permanente facility by Medicare fee-for-service and Medicaid fee-for-service (and co-pays) for emergency or medically necessary services, based on actual claim data from October 1, 2022, to September 30, 2023, which is consistent with the look-back method. Total expected payment from allowed claims was divided by total billed charges for such claims, and that number was subtracted from 1 to calculate the AGB percentage. The 2024 AGB reduction to gross charges is 46% for hospital charges.

Interpreters are available to you at no cost. The application, policy, and policy summary may be available in your language. For more information, call  1-888-901-4636 .

For help with the medical financial assistance application or other questions, please call  1-800-442-4014  or speak to staff at the Business Office or at the check-in desk at any Kaiser Permanente medical facility.

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