BISMARCK, ND (KXNET) — Meet Toby Lunstad.She's a mom raising her daughter Addilynn who has a CACNA1A-related disorder.She says one challenge to raising a child with special needs is accessing funds to pay for equipment and services needed for everyday living.That's a common struggle parents in her situation face. "Being able to access cupboards, countertops, being able to elevate themselves in their home, to see themselves in the mirror, for brushing hair and teeth, services like that," Kurt Schmidt, ATP, CRTS, Great Plains Restorative Services, LLC said.Assistive Technology Professional Kurt Schmidt is all-too familiar with these challenges.He says insurance doesn't always cover the adaptive equipment many children with special needs require to accomplish their daily activities."Home and vehicle accessibility is typically never covered under insurance,” Schmidt explained. “So some families, they'll have a track system installed in their home to be able to transfer an individual, say, from bed to wheelchair. Or possibly, depending on how much they modify their home, they might just be able to slide them on this track system from bed all the way into the into the bathroom to be transferred into their bath system, or into the tub, however, it's non-covered."That's where CPable comes in.It's mission is to help families with expenses they face caring for a child, with childhood onset neurological problems such as cerebral palsy, muscular dystrophy, spina bifida and many other conditions.When insurance companies won't pay, families of children who qualify can apply for funds through CPable... to help off-set those costs.Schmidt sees just how grateful families are... when they're able to accomplish something as simple as bathing a child."I know the mom was just very, very happy to be able to bathe her child again, you know, without having to worry about supporting the individual,” Schmidt said. “You know, it's a lot of stress on the child as much as it is on the caregiver to do that, trying to go bent down in a basic tub and with the child that really can't support themselves either. So, it does make a huge difference there."There are also circumstances when a backup device may be needed but is often not covered by insurance."Manual backup wheelchairs are not considered a necessity,” Schmidt explained. “It would fall under the convenience category. But you know, if your child is without their power wheelchair for whether it be a day or three weeks, it's a necessity to have that device. So, it's nice for a company or an organization such as capable to fund those devices for them."Riding a bike is an activity enjoyed by many, but for children with conditions such as cerebral palsy or muscular dystrophy, that often requires adaptive equipment.The challenge?Schmidt says once again here... insurance doesn't offer coverage.But CPABLE, may.In addition to equipment, families can apply for funds to cover non-traditional therapies such as horse riding, stretch therapy or hydrotherapy by a licensed provider, as well as travel related expenses."They're definitely helping children throughout this part of the state to certainly get things that could benefit them anyhow and make their life a little bit better," Schmidt said.Helping one child and one family at a time. Family's like the Lunstad's.