The charity Contact a Family, which supports and advises families who have a child with a disability, said the impact of the global recession meant families who were already under strain were now at "breaking point".
The charity asked 88 families in Scotland about their financial situation as part of a UK-wide survey.
A total of 19% said they had gone without food to try and make ends meet, while 14% said they had sacrificed heating. Three-quarters missed out on days out, while two-thirds said they did not go on holidays. Nearly half - 46% - said they had fallen behind with loan payments, with 24% saying they needed to borrow money for basic household goods.
42% admitted borrowing money from family and friends to pay for groceries, household goods and heating. Meanwhile 44% of those surveyed said they feared their future financial situation would get worse. The charity said there were a number of reasons why families with a child with a disability were likely to suffer financial hardship, but a key reason was the difficulty of juggling caring and work.
"Time and time again research shows that families with disabled children have an above-average risk of living in poverty. Steps must be taken to address this imbalance..." Ellenor Anwyl, director of Contact a Family Scotland said
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