Benefit programs for older adults

Medicare Savings Programs (QMB, SLMB, QI)

Your state pays your Medicare Part B premium, and sometimes your deductibles and copays too.

Typically worth $2,100 – $8,500 a year

Extra Help with Medicare Prescription Drug Costs (Low-Income Subsidy)

Cuts your prescription costs to a few dollars a drug and removes your Part D premium and deductible.

Typically worth $3,000 – $6,200 a year

Medicare Prescription Payment Plan (M3P)

Spreads what you owe for prescriptions across the year in equal monthly payments, with no interest and no fee.

SNAP Food Benefits for Seniors

Monthly money on a card for groceries. Older households get a special medical expense deduction that raises the benefit.

Typically worth $276 – $3,600 a year

LIHEAP Home Energy Assistance

Helps pay heating and cooling bills, and can stop a shut-off in an emergency.

Typically worth $200 – $1,200 a year

CSFP Senior Food Box

A free box of groceries every month, built for people 60 and older.

Typically worth $600 – $900 a year

Patient Advocate Foundation TotalAssist

Grants that pay the copays, deductibles, and travel costs that come with a serious diagnosis.

Typically worth $500 – $7,500 a year

HealthWell Foundation Copay Assistance

Pays prescription copays and insurance premiums for people with a specific diagnosis.

Typically worth $1,500 – $15,000 a year

Good Days Copay and Travel Assistance

Copay help and paid travel to treatment for people with a chronic or life-altering illness.

Typically worth $1,000 – $12,000 a year

Hospital Charity Care (Dollar For)

Nonprofit hospitals are required by law to wipe out bills for people who cannot pay. Dollar For helps you apply, free.

Typically worth $500 – $50,000 a year

Lifeline Phone and Internet Discount

Takes at least $9.25 a month off a phone or internet bill, more on tribal lands.

Typically worth $111 – $411 a year

Meals on Wheels and Your Area Agency on Aging

Hot meals delivered to the door, and one local office that knows every other program in your county.

Typically worth $1,500 – $4,000 a year

Nevada Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in Nevada, and how to reach them.

District of Columbia Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in District of Columbia, and how to reach them.

Delaware Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in Delaware, and how to reach them.

Connecticut Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in Connecticut, and how to reach them.

New Hampshire Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in New Hampshire, and how to reach them.

California Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in California, and how to reach them.

New Jersey Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in New Jersey, and how to reach them.

Arkansas Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in Arkansas, and how to reach them.

New Mexico Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in New Mexico, and how to reach them.

Arizona Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in Arizona, and how to reach them.

Alabama Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in Alabama, and how to reach them.

Texas Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in Texas, and how to reach them.

North Dakota Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in North Dakota, and how to reach them.

North Carolina Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in North Carolina, and how to reach them.

Minnesota Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in Minnesota, and how to reach them.

Massachusetts Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in Massachusetts, and how to reach them.

Colorado Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in Colorado, and how to reach them.

New York Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in New York, and how to reach them.

Maine Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in Maine, and how to reach them.

Vermont Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in Vermont, and how to reach them.

Ohio Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in Ohio, and how to reach them.

Oklahoma Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in Oklahoma, and how to reach them.

Michigan Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in Michigan, and how to reach them.

Oregon Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in Oregon, and how to reach them.

Pennsylvania Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in Pennsylvania, and how to reach them.

Rhode Island Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in Rhode Island, and how to reach them.

Mississippi Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in Mississippi, and how to reach them.

Alaska Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in Alaska, and how to reach them.

South Carolina Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in South Carolina, and how to reach them.

Missouri Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in Missouri, and how to reach them.

Montana Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in Montana, and how to reach them.

South Dakota Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in South Dakota, and how to reach them.

Maryland Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in Maryland, and how to reach them.

Iowa Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in Iowa, and how to reach them.

Kentucky Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in Kentucky, and how to reach them.

Tennessee Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in Tennessee, and how to reach them.

Kansas Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in Kansas, and how to reach them.

Utah Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in Utah, and how to reach them.

Virginia Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in Virginia, and how to reach them.

Louisiana Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in Louisiana, and how to reach them.

Washington Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in Washington, and how to reach them.

Indiana Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in Indiana, and how to reach them.

West Virginia Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in West Virginia, and how to reach them.

Illinois Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in Illinois, and how to reach them.

Idaho Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in Idaho, and how to reach them.

Hawaii Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in Hawaii, and how to reach them.

Georgia Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in Georgia, and how to reach them.

Wisconsin Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in Wisconsin, and how to reach them.

Wyoming Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in Wyoming, and how to reach them.

Nebraska Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in Nebraska, and how to reach them.

Florida Medicare Savings Programs: help paying the Part B premium

Who decides QMB, SLMB and QI in Florida, and how to reach them.

Utah SNAP food assistance for people 60 and older

How to apply for SNAP in Utah and claim the senior medical deduction.

Arkansas SNAP food assistance for people 60 and older

How to apply for SNAP in Arkansas and claim the senior medical deduction.

California SNAP food assistance for people 60 and older

How to apply for SNAP in California and claim the senior medical deduction.

Georgia SNAP food assistance for people 60 and older

How to apply for SNAP in Georgia and claim the senior medical deduction.

Nevada SNAP food assistance for people 60 and older

How to apply for SNAP in Nevada and claim the senior medical deduction.

Nebraska SNAP food assistance for people 60 and older

How to apply for SNAP in Nebraska and claim the senior medical deduction.

Montana SNAP food assistance for people 60 and older

How to apply for SNAP in Montana and claim the senior medical deduction.

Missouri SNAP food assistance for people 60 and older

How to apply for SNAP in Missouri and claim the senior medical deduction.

Delaware SNAP food assistance for people 60 and older

How to apply for SNAP in Delaware and claim the senior medical deduction.

Idaho SNAP food assistance for people 60 and older

How to apply for SNAP in Idaho and claim the senior medical deduction.

Mississippi SNAP food assistance for people 60 and older

How to apply for SNAP in Mississippi and claim the senior medical deduction.

Florida SNAP food assistance for people 60 and older

How to apply for SNAP in Florida and claim the senior medical deduction.

Hawaii SNAP food assistance for people 60 and older

How to apply for SNAP in Hawaii and claim the senior medical deduction.

Illinois SNAP food assistance for people 60 and older

How to apply for SNAP in Illinois and claim the senior medical deduction.

Michigan SNAP food assistance for people 60 and older

How to apply for SNAP in Michigan and claim the senior medical deduction.

Indiana SNAP food assistance for people 60 and older

How to apply for SNAP in Indiana and claim the senior medical deduction.

Massachusetts SNAP food assistance for people 60 and older

How to apply for SNAP in Massachusetts and claim the senior medical deduction.

Maryland SNAP food assistance for people 60 and older

How to apply for SNAP in Maryland and claim the senior medical deduction.

Kentucky SNAP food assistance for people 60 and older

How to apply for SNAP in Kentucky and claim the senior medical deduction.

Maine SNAP food assistance for people 60 and older

How to apply for SNAP in Maine and claim the senior medical deduction.

Oklahoma SNAP food assistance for people 60 and older

How to apply for SNAP in Oklahoma and claim the senior medical deduction.

North Dakota SNAP food assistance for people 60 and older

How to apply for SNAP in North Dakota and claim the senior medical deduction.

Louisiana SNAP food assistance for people 60 and older

How to apply for SNAP in Louisiana and claim the senior medical deduction.

Kansas SNAP food assistance for people 60 and older

How to apply for SNAP in Kansas and claim the senior medical deduction.

Iowa SNAP food assistance for people 60 and older

How to apply for SNAP in Iowa and claim the senior medical deduction.

District of Columbia SNAP food assistance for people 60 and older

How to apply for SNAP in District of Columbia and claim the senior medical deduction.

Pennsylvania SNAP food assistance for people 60 and older

How to apply for SNAP in Pennsylvania and claim the senior medical deduction.

Oregon SNAP food assistance for people 60 and older

How to apply for SNAP in Oregon and claim the senior medical deduction.

Ohio SNAP food assistance for people 60 and older

How to apply for SNAP in Ohio and claim the senior medical deduction.

Connecticut SNAP food assistance for people 60 and older

How to apply for SNAP in Connecticut and claim the senior medical deduction.

Wisconsin SNAP food assistance for people 60 and older

How to apply for SNAP in Wisconsin and claim the senior medical deduction.

West Virginia SNAP food assistance for people 60 and older

How to apply for SNAP in West Virginia and claim the senior medical deduction.

Washington SNAP food assistance for people 60 and older

How to apply for SNAP in Washington and claim the senior medical deduction.

Virginia SNAP food assistance for people 60 and older

How to apply for SNAP in Virginia and claim the senior medical deduction.

Minnesota SNAP food assistance for people 60 and older

How to apply for SNAP in Minnesota and claim the senior medical deduction.

Wyoming SNAP food assistance for people 60 and older

How to apply for SNAP in Wyoming and claim the senior medical deduction.

Tennessee SNAP food assistance for people 60 and older

How to apply for SNAP in Tennessee and claim the senior medical deduction.

Texas SNAP food assistance for people 60 and older

How to apply for SNAP in Texas and claim the senior medical deduction.

Colorado SNAP food assistance for people 60 and older

How to apply for SNAP in Colorado and claim the senior medical deduction.

Vermont SNAP food assistance for people 60 and older

How to apply for SNAP in Vermont and claim the senior medical deduction.

South Dakota SNAP food assistance for people 60 and older

How to apply for SNAP in South Dakota and claim the senior medical deduction.

Rhode Island SNAP food assistance for people 60 and older

How to apply for SNAP in Rhode Island and claim the senior medical deduction.

South Carolina SNAP food assistance for people 60 and older

How to apply for SNAP in South Carolina and claim the senior medical deduction.

North Carolina SNAP food assistance for people 60 and older

How to apply for SNAP in North Carolina and claim the senior medical deduction.

New York SNAP food assistance for people 60 and older

How to apply for SNAP in New York and claim the senior medical deduction.

New Mexico SNAP food assistance for people 60 and older

How to apply for SNAP in New Mexico and claim the senior medical deduction.

New Jersey SNAP food assistance for people 60 and older

How to apply for SNAP in New Jersey and claim the senior medical deduction.

Alabama SNAP food assistance for people 60 and older

How to apply for SNAP in Alabama and claim the senior medical deduction.

Alaska SNAP food assistance for people 60 and older

How to apply for SNAP in Alaska and claim the senior medical deduction.

Arizona SNAP food assistance for people 60 and older

How to apply for SNAP in Arizona and claim the senior medical deduction.

New Hampshire SNAP food assistance for people 60 and older

How to apply for SNAP in New Hampshire and claim the senior medical deduction.

Arkansas LIHEAP: help paying the heating and cooling bill

How Arkansas runs LIHEAP, who to call, and when applications open.

South Carolina LIHEAP: help paying the heating and cooling bill

How South Carolina runs LIHEAP, who to call, and when applications open.

Louisiana LIHEAP: help paying the heating and cooling bill

How Louisiana runs LIHEAP, who to call, and when applications open.

Illinois LIHEAP: help paying the heating and cooling bill

How Illinois runs LIHEAP, who to call, and when applications open.

Alaska LIHEAP: help paying the heating and cooling bill

How Alaska runs LIHEAP, who to call, and when applications open.

Tennessee LIHEAP: help paying the heating and cooling bill

How Tennessee runs LIHEAP, who to call, and when applications open.

New Jersey LIHEAP: help paying the heating and cooling bill

How New Jersey runs LIHEAP, who to call, and when applications open.

Arizona LIHEAP: help paying the heating and cooling bill

How Arizona runs LIHEAP, who to call, and when applications open.

Georgia LIHEAP: help paying the heating and cooling bill

How Georgia runs LIHEAP, who to call, and when applications open.

Utah LIHEAP: help paying the heating and cooling bill

How Utah runs LIHEAP, who to call, and when applications open.

Idaho LIHEAP: help paying the heating and cooling bill

How Idaho runs LIHEAP, who to call, and when applications open.

Iowa LIHEAP: help paying the heating and cooling bill

How Iowa runs LIHEAP, who to call, and when applications open.

Vermont LIHEAP: help paying the heating and cooling bill

How Vermont runs LIHEAP, who to call, and when applications open.

California LIHEAP: help paying the heating and cooling bill

How California runs LIHEAP, who to call, and when applications open.

Virginia LIHEAP: help paying the heating and cooling bill

How Virginia runs LIHEAP, who to call, and when applications open.

Washington LIHEAP: help paying the heating and cooling bill

How Washington runs LIHEAP, who to call, and when applications open.

West Virginia LIHEAP: help paying the heating and cooling bill

How West Virginia runs LIHEAP, who to call, and when applications open.

New Hampshire LIHEAP: help paying the heating and cooling bill

How New Hampshire runs LIHEAP, who to call, and when applications open.

Wisconsin LIHEAP: help paying the heating and cooling bill

How Wisconsin runs LIHEAP, who to call, and when applications open.

South Dakota LIHEAP: help paying the heating and cooling bill

How South Dakota runs LIHEAP, who to call, and when applications open.

Wyoming LIHEAP: help paying the heating and cooling bill

How Wyoming runs LIHEAP, who to call, and when applications open.

Colorado LIHEAP: help paying the heating and cooling bill

How Colorado runs LIHEAP, who to call, and when applications open.

Florida LIHEAP: help paying the heating and cooling bill

How Florida runs LIHEAP, who to call, and when applications open.

District of Columbia LIHEAP: help paying the heating and cooling bill

How District of Columbia runs LIHEAP, who to call, and when applications open.

Nevada LIHEAP: help paying the heating and cooling bill

How Nevada runs LIHEAP, who to call, and when applications open.

North Carolina LIHEAP: help paying the heating and cooling bill

How North Carolina runs LIHEAP, who to call, and when applications open.

Kentucky LIHEAP: help paying the heating and cooling bill

How Kentucky runs LIHEAP, who to call, and when applications open.

Kansas LIHEAP: help paying the heating and cooling bill

How Kansas runs LIHEAP, who to call, and when applications open.

Nebraska LIHEAP: help paying the heating and cooling bill

How Nebraska runs LIHEAP, who to call, and when applications open.

Montana LIHEAP: help paying the heating and cooling bill

How Montana runs LIHEAP, who to call, and when applications open.

Missouri LIHEAP: help paying the heating and cooling bill

How Missouri runs LIHEAP, who to call, and when applications open.

Mississippi LIHEAP: help paying the heating and cooling bill

How Mississippi runs LIHEAP, who to call, and when applications open.

Minnesota LIHEAP: help paying the heating and cooling bill

How Minnesota runs LIHEAP, who to call, and when applications open.

Indiana LIHEAP: help paying the heating and cooling bill

How Indiana runs LIHEAP, who to call, and when applications open.

Hawaii LIHEAP: help paying the heating and cooling bill

How Hawaii runs LIHEAP, who to call, and when applications open.

Michigan LIHEAP: help paying the heating and cooling bill

How Michigan runs LIHEAP, who to call, and when applications open.

New Mexico LIHEAP: help paying the heating and cooling bill

How New Mexico runs LIHEAP, who to call, and when applications open.

Connecticut LIHEAP: help paying the heating and cooling bill

How Connecticut runs LIHEAP, who to call, and when applications open.

New York LIHEAP: help paying the heating and cooling bill

How New York runs LIHEAP, who to call, and when applications open.

Texas LIHEAP: help paying the heating and cooling bill

How Texas runs LIHEAP, who to call, and when applications open.

North Dakota LIHEAP: help paying the heating and cooling bill

How North Dakota runs LIHEAP, who to call, and when applications open.

Maryland LIHEAP: help paying the heating and cooling bill

How Maryland runs LIHEAP, who to call, and when applications open.

Ohio LIHEAP: help paying the heating and cooling bill

How Ohio runs LIHEAP, who to call, and when applications open.

Alabama LIHEAP: help paying the heating and cooling bill

How Alabama runs LIHEAP, who to call, and when applications open.

Oklahoma LIHEAP: help paying the heating and cooling bill

How Oklahoma runs LIHEAP, who to call, and when applications open.

Maine LIHEAP: help paying the heating and cooling bill

How Maine runs LIHEAP, who to call, and when applications open.

Oregon LIHEAP: help paying the heating and cooling bill

How Oregon runs LIHEAP, who to call, and when applications open.

Delaware LIHEAP: help paying the heating and cooling bill

How Delaware runs LIHEAP, who to call, and when applications open.

Massachusetts LIHEAP: help paying the heating and cooling bill

How Massachusetts runs LIHEAP, who to call, and when applications open.

Pennsylvania LIHEAP: help paying the heating and cooling bill

How Pennsylvania runs LIHEAP, who to call, and when applications open.

Rhode Island LIHEAP: help paying the heating and cooling bill

How Rhode Island runs LIHEAP, who to call, and when applications open.

Connecticut winter shut-off protection and medical certification

What stops a disconnection in Connecticut, and how medical certification works.

Missouri winter shut-off protection and medical certification

What stops a disconnection in Missouri, and how medical certification works.

South Carolina winter shut-off protection and medical certification

What stops a disconnection in South Carolina, and how medical certification works.

Pennsylvania winter shut-off protection and medical certification

What stops a disconnection in Pennsylvania, and how medical certification works.

Washington winter shut-off protection and medical certification

What stops a disconnection in Washington, and how medical certification works.

Alabama winter shut-off protection and medical certification

What stops a disconnection in Alabama, and how medical certification works.

Alaska winter shut-off protection and medical certification

What stops a disconnection in Alaska, and how medical certification works.

Arizona winter shut-off protection and medical certification

What stops a disconnection in Arizona, and how medical certification works.

Florida winter shut-off protection and medical certification

What stops a disconnection in Florida, and how medical certification works.

Arkansas winter shut-off protection and medical certification

What stops a disconnection in Arkansas, and how medical certification works.

California winter shut-off protection and medical certification

What stops a disconnection in California, and how medical certification works.

Colorado winter shut-off protection and medical certification

What stops a disconnection in Colorado, and how medical certification works.

Delaware winter shut-off protection and medical certification

What stops a disconnection in Delaware, and how medical certification works.

District of Columbia winter shut-off protection and medical certification

What stops a disconnection in District of Columbia, and how medical certification works.

Illinois winter shut-off protection and medical certification

What stops a disconnection in Illinois, and how medical certification works.

Indiana winter shut-off protection and medical certification

What stops a disconnection in Indiana, and how medical certification works.

Iowa winter shut-off protection and medical certification

What stops a disconnection in Iowa, and how medical certification works.

Kansas winter shut-off protection and medical certification

What stops a disconnection in Kansas, and how medical certification works.

Kentucky winter shut-off protection and medical certification

What stops a disconnection in Kentucky, and how medical certification works.

Louisiana winter shut-off protection and medical certification

What stops a disconnection in Louisiana, and how medical certification works.

Maine winter shut-off protection and medical certification

What stops a disconnection in Maine, and how medical certification works.

Maryland winter shut-off protection and medical certification

What stops a disconnection in Maryland, and how medical certification works.

Georgia winter shut-off protection and medical certification

What stops a disconnection in Georgia, and how medical certification works.

Massachusetts winter shut-off protection and medical certification

What stops a disconnection in Massachusetts, and how medical certification works.

Michigan winter shut-off protection and medical certification

What stops a disconnection in Michigan, and how medical certification works.

Minnesota winter shut-off protection and medical certification

What stops a disconnection in Minnesota, and how medical certification works.

Hawaii winter shut-off protection and medical certification

What stops a disconnection in Hawaii, and how medical certification works.

Mississippi winter shut-off protection and medical certification

What stops a disconnection in Mississippi, and how medical certification works.

Montana winter shut-off protection and medical certification

What stops a disconnection in Montana, and how medical certification works.

Nebraska winter shut-off protection and medical certification

What stops a disconnection in Nebraska, and how medical certification works.

Nevada winter shut-off protection and medical certification

What stops a disconnection in Nevada, and how medical certification works.

New Hampshire winter shut-off protection and medical certification

What stops a disconnection in New Hampshire, and how medical certification works.

New Jersey winter shut-off protection and medical certification

What stops a disconnection in New Jersey, and how medical certification works.

New Mexico winter shut-off protection and medical certification

What stops a disconnection in New Mexico, and how medical certification works.

North Carolina winter shut-off protection and medical certification

What stops a disconnection in North Carolina, and how medical certification works.

North Dakota winter shut-off protection and medical certification

What stops a disconnection in North Dakota, and how medical certification works.

Ohio winter shut-off protection and medical certification

What stops a disconnection in Ohio, and how medical certification works.

Oklahoma winter shut-off protection and medical certification

What stops a disconnection in Oklahoma, and how medical certification works.

Virginia winter shut-off protection and medical certification

What stops a disconnection in Virginia, and how medical certification works.

Oregon winter shut-off protection and medical certification

What stops a disconnection in Oregon, and how medical certification works.

Rhode Island winter shut-off protection and medical certification

What stops a disconnection in Rhode Island, and how medical certification works.

Idaho winter shut-off protection and medical certification

What stops a disconnection in Idaho, and how medical certification works.

South Dakota winter shut-off protection and medical certification

What stops a disconnection in South Dakota, and how medical certification works.

New York winter shut-off protection and medical certification

What stops a disconnection in New York, and how medical certification works.

Tennessee winter shut-off protection and medical certification

What stops a disconnection in Tennessee, and how medical certification works.

Texas winter shut-off protection and medical certification

What stops a disconnection in Texas, and how medical certification works.

West Virginia winter shut-off protection and medical certification

What stops a disconnection in West Virginia, and how medical certification works.

Utah winter shut-off protection and medical certification

What stops a disconnection in Utah, and how medical certification works.

Vermont winter shut-off protection and medical certification

What stops a disconnection in Vermont, and how medical certification works.

Wisconsin winter shut-off protection and medical certification

What stops a disconnection in Wisconsin, and how medical certification works.

Wyoming winter shut-off protection and medical certification

What stops a disconnection in Wyoming, and how medical certification works.

Social Security Survivor Benefits

If your husband or wife has died, you may be owed a monthly benefit based on their record.

Typically worth $6,000 – $45,000 a year

Social Security Benefits From an Ex-Spouse's Record

If the marriage lasted ten years, you may be able to collect on your ex's record. They are never told, and their check is not reduced.

Typically worth $4,000 – $24,000 a year

Social Security Fairness Act: Benefits You Never Filed For

If a government pension once wiped out your spousal or survivor benefit, that rule is gone. Social Security will not come find you.

Typically worth $3,600 – $30,000 a year

Supplemental Security Income (SSI)

A monthly cash payment for people 65 and older with very little income, and the doorway to Medicaid in most states.

Typically worth $1,200 – $11,800 a year

State Unclaimed Property

Every state holds money in your name from old accounts, refunds, and paychecks. Searching is free.

PBGC Unclaimed Pensions

The federal pension agency is holding money for tens of thousands of people who never claimed it.

NAIC Life Insurance Policy Locator

A free national search that asks every major insurer whether a policy exists in your loved one's name.

Credit for the Elderly or Disabled, and Free Tax Preparation

A tax credit for people 65 and older, plus free tax help from IRS-certified volunteers.

Typically worth $100 – $1,125 a year

Senior Farmers' Market Nutrition Program

Coupons or a card for free fresh fruit and vegetables at farmers markets and farm stands.

Typically worth $30 – $80 a year

Weatherization Assistance Program

Free insulation, sealing, and heating repairs that permanently lower your energy bill.

Typically worth $300 – $600 a year

Help With Water and Sewer Bills

The federal water assistance program ended in 2024. Help now comes from your own water utility and local funds.

Typically worth $100 – $1,000 a year

Utility Hardship Funds and Senior Shut-Off Protections

Medical baseline rates, winter shut-off protection, hardship grants, and budget billing your utility rarely mentions.

Typically worth $150 – $1,500 a year

USDA Section 504 Home Repair Grants for Homeowners 62 and Older

Up to $10,000 that does not have to be paid back, to remove a health or safety hazard from your home.

Typically worth $2,000 – $10,000 a year

HUD Section 202 Supportive Housing for the Elderly

Apartment buildings built only for people 62 and older, where rent is set at 30 percent of your income.

Typically worth $4,800 – $18,000 a year

Housing Choice Voucher (Section 8)

A voucher that pays part of your rent in a regular apartment you choose yourself.

Typically worth $4,800 – $24,000 a year

Free Home Repairs and Safety Modifications (Rebuilding Together)

Volunteers install grab bars, ramps, and railings and make critical repairs, at no cost to the homeowner.

Typically worth $500 – $15,000 a year

Senior Property Tax Relief

Homestead exemptions, senior freezes, circuit breakers, and deferrals that can cut or pause your property tax bill.

Typically worth $200 – $4,000 a year

Medicaid Home and Community-Based Services, Including Paying a Family Caregiver

Medicaid can pay for help at home instead of a nursing home, and in most states it can pay your own family member to give that help.

Typically worth $6,000 – $60,000 a year

PACE: Program of All-Inclusive Care for the Elderly

One program that becomes your entire medical and home care team so you can stay out of a nursing home.

Typically worth $12,000 – $90,000 a year

Pennsylvania PACE and PACENET Prescription Assistance

Pennsylvania's state prescription program for residents 65 and older. Not the same thing as federal PACE.

Typically worth $500 – $5,000 a year

National Family Caregiver Support Program

Respite, training, counseling, and sometimes small grants for the family member doing the caring.

Typically worth $500 – $5,000 a year

GUIDE Model for Dementia Care

A Medicare program for people with dementia that assigns a care navigator and pays for respite.

Typically worth $1,000 – $6,000 a year

Low-Cost Dental, Vision, and Hearing Care

Medicare does not cover routine dental, vision, or hearing. These programs fill the gap.

Typically worth $300 – $8,000 a year

Free and Low-Cost Rides to Medical Appointments

If you have Medicaid, a ride to a covered appointment is a required federal benefit, not a favor.

Typically worth $300 – $3,000 a year

SHIP: Free, Unbiased Medicare Counseling

A trained local counselor who compares your Medicare options with you and sells nothing.

Typically worth $300 – $2,000 a year

Senior Medicare Patrol: Fraud and Billing Errors

Free help reading your Medicare statements and reporting charges for things you never received.

Free Legal Help for People 60 and Older

Free lawyers for benefit denials, evictions, debt collectors, guardianship, and elder abuse. No income test.

Typically worth $500 – $10,000 a year

Long-Term Care Ombudsman

A free advocate who investigates problems in a nursing home or assisted living facility and works only for the resident.

State Pharmaceutical Assistance Programs

About a dozen states run their own prescription help on top of Medicare Part D.

Typically worth $300 – $5,000 a year

VA Aid and Attendance, Housebound, and Veterans Pension

A monthly, tax-free VA payment for wartime veterans and surviving spouses who need help at home. We can point you to it; by law we cannot file it.

Typically worth $8,000 – $32,000 a year

New Mexico Medicaid home care waivers, including paying a family caregiver

Home and community-based care in New Mexico, and who to call to get on the list.

Oregon Medicaid home care waivers, including paying a family caregiver

Home and community-based care in Oregon, and who to call to get on the list.

Massachusetts Medicaid home care waivers, including paying a family caregiver

Home and community-based care in Massachusetts, and who to call to get on the list.

Pennsylvania Medicaid home care waivers, including paying a family caregiver

Home and community-based care in Pennsylvania, and who to call to get on the list.

Idaho Medicaid home care waivers, including paying a family caregiver

Home and community-based care in Idaho, and who to call to get on the list.

Alabama Medicaid home care waivers, including paying a family caregiver

Home and community-based care in Alabama, and who to call to get on the list.

South Carolina Medicaid home care waivers, including paying a family caregiver

Home and community-based care in South Carolina, and who to call to get on the list.

South Dakota Medicaid home care waivers, including paying a family caregiver

Home and community-based care in South Dakota, and who to call to get on the list.

Tennessee Medicaid home care waivers, including paying a family caregiver

Home and community-based care in Tennessee, and who to call to get on the list.

New Hampshire Medicaid home care waivers, including paying a family caregiver

Home and community-based care in New Hampshire, and who to call to get on the list.

Texas Medicaid home care waivers, including paying a family caregiver

Home and community-based care in Texas, and who to call to get on the list.

Arizona Medicaid home care waivers, including paying a family caregiver

Home and community-based care in Arizona, and who to call to get on the list.

Kansas Medicaid home care waivers, including paying a family caregiver

Home and community-based care in Kansas, and who to call to get on the list.

Nevada Medicaid home care waivers, including paying a family caregiver

Home and community-based care in Nevada, and who to call to get on the list.

North Carolina Medicaid home care waivers, including paying a family caregiver

Home and community-based care in North Carolina, and who to call to get on the list.

Utah Medicaid home care waivers, including paying a family caregiver

Home and community-based care in Utah, and who to call to get on the list.

Vermont Medicaid home care waivers, including paying a family caregiver

Home and community-based care in Vermont, and who to call to get on the list.

California Medicaid home care waivers, including paying a family caregiver

Home and community-based care in California, and who to call to get on the list.

Nebraska Medicaid home care waivers, including paying a family caregiver

Home and community-based care in Nebraska, and who to call to get on the list.

Virginia Medicaid home care waivers, including paying a family caregiver

Home and community-based care in Virginia, and who to call to get on the list.

Maine Medicaid home care waivers, including paying a family caregiver

Home and community-based care in Maine, and who to call to get on the list.

Indiana Medicaid home care waivers, including paying a family caregiver

Home and community-based care in Indiana, and who to call to get on the list.

Washington Medicaid home care waivers, including paying a family caregiver

Home and community-based care in Washington, and who to call to get on the list.

Montana Medicaid home care waivers, including paying a family caregiver

Home and community-based care in Montana, and who to call to get on the list.

West Virginia Medicaid home care waivers, including paying a family caregiver

Home and community-based care in West Virginia, and who to call to get on the list.

Connecticut Medicaid home care waivers, including paying a family caregiver

Home and community-based care in Connecticut, and who to call to get on the list.

Wisconsin Medicaid home care waivers, including paying a family caregiver

Home and community-based care in Wisconsin, and who to call to get on the list.

Wyoming Medicaid home care waivers, including paying a family caregiver

Home and community-based care in Wyoming, and who to call to get on the list.

Maryland Medicaid home care waivers, including paying a family caregiver

Home and community-based care in Maryland, and who to call to get on the list.

Delaware Medicaid home care waivers, including paying a family caregiver

Home and community-based care in Delaware, and who to call to get on the list.

Oklahoma Medicaid home care waivers, including paying a family caregiver

Home and community-based care in Oklahoma, and who to call to get on the list.

North Dakota Medicaid home care waivers, including paying a family caregiver

Home and community-based care in North Dakota, and who to call to get on the list.

Mississippi Medicaid home care waivers, including paying a family caregiver

Home and community-based care in Mississippi, and who to call to get on the list.

New York Medicaid home care waivers, including paying a family caregiver

Home and community-based care in New York, and who to call to get on the list.

Rhode Island Medicaid home care waivers, including paying a family caregiver

Home and community-based care in Rhode Island, and who to call to get on the list.

Alaska Medicaid home care waivers, including paying a family caregiver

Home and community-based care in Alaska, and who to call to get on the list.

Arkansas Medicaid home care waivers, including paying a family caregiver

Home and community-based care in Arkansas, and who to call to get on the list.

District of Columbia Medicaid home care waivers, including paying a family caregiver

Home and community-based care in District of Columbia, and who to call to get on the list.

Kentucky Medicaid home care waivers, including paying a family caregiver

Home and community-based care in Kentucky, and who to call to get on the list.

Iowa Medicaid home care waivers, including paying a family caregiver

Home and community-based care in Iowa, and who to call to get on the list.

Georgia Medicaid home care waivers, including paying a family caregiver

Home and community-based care in Georgia, and who to call to get on the list.

Hawaii Medicaid home care waivers, including paying a family caregiver

Home and community-based care in Hawaii, and who to call to get on the list.

Louisiana Medicaid home care waivers, including paying a family caregiver

Home and community-based care in Louisiana, and who to call to get on the list.

Minnesota Medicaid home care waivers, including paying a family caregiver

Home and community-based care in Minnesota, and who to call to get on the list.

Missouri Medicaid home care waivers, including paying a family caregiver

Home and community-based care in Missouri, and who to call to get on the list.

Illinois Medicaid home care waivers, including paying a family caregiver

Home and community-based care in Illinois, and who to call to get on the list.

New Jersey Medicaid home care waivers, including paying a family caregiver

Home and community-based care in New Jersey, and who to call to get on the list.

Florida Medicaid home care waivers, including paying a family caregiver

Home and community-based care in Florida, and who to call to get on the list.

Michigan Medicaid home care waivers, including paying a family caregiver

Home and community-based care in Michigan, and who to call to get on the list.

Colorado Medicaid home care waivers, including paying a family caregiver

Home and community-based care in Colorado, and who to call to get on the list.

Ohio Medicaid home care waivers, including paying a family caregiver

Home and community-based care in Ohio, and who to call to get on the list.

New York Senior Citizens Exemption for older homeowners

Homestead exemptions, senior freezes and deferrals in New York, and where to file.

North Carolina Elderly or Disabled Property Tax Homestead Exclusion for older homeowners

Homestead exemptions, senior freezes and deferrals in North Carolina, and where to file.

Pennsylvania Property Tax/Rent Rebate Program for older homeowners

Homestead exemptions, senior freezes and deferrals in Pennsylvania, and where to file.

Arkansas Homestead Property Tax Credit / Senior Freeze for older homeowners

Homestead exemptions, senior freezes and deferrals in Arkansas, and where to file.

Nebraska Nebraska Homestead Exemption for older homeowners

Homestead exemptions, senior freezes and deferrals in Nebraska, and where to file.

Rhode Island Property Tax Relief Credit for older homeowners

Homestead exemptions, senior freezes and deferrals in Rhode Island, and where to file.

Oklahoma Senior Valuation Freeze / Additional Homestead Exemption for older homeowners

Homestead exemptions, senior freezes and deferrals in Oklahoma, and where to file.

New Jersey Senior Freeze (Property Tax Reimbursement) for older homeowners

Homestead exemptions, senior freezes and deferrals in New Jersey, and where to file.

Utah Homeowner's Tax Credit (Circuit Breaker) for older homeowners

Homestead exemptions, senior freezes and deferrals in Utah, and where to file.

Indiana Over 65 Deduction / Over 65 Circuit Breaker Credit for older homeowners

Homestead exemptions, senior freezes and deferrals in Indiana, and where to file.

Mississippi Homestead Exemption for older homeowners

Homestead exemptions, senior freezes and deferrals in Mississippi, and where to file.

Connecticut Elderly/Disabled Homeowners (Circuit Breaker) Tax Relief Program for older homeowners

Homestead exemptions, senior freezes and deferrals in Connecticut, and where to file.

Delaware Senior School Property Tax Relief for older homeowners

Homestead exemptions, senior freezes and deferrals in Delaware, and where to file.

Wyoming Property Tax Refund Program for older homeowners

Homestead exemptions, senior freezes and deferrals in Wyoming, and where to file.

Massachusetts Senior Circuit Breaker Tax Credit for older homeowners

Homestead exemptions, senior freezes and deferrals in Massachusetts, and where to file.

Alabama Homestead Exemptions for older homeowners

Homestead exemptions, senior freezes and deferrals in Alabama, and where to file.

Alaska Senior Citizen Property Tax Exemption for older homeowners

Homestead exemptions, senior freezes and deferrals in Alaska, and where to file.

Arizona Senior Property Valuation Protection Option (Senior Freeze) for older homeowners

Homestead exemptions, senior freezes and deferrals in Arizona, and where to file.

California Property Tax Postponement Program for older homeowners

Homestead exemptions, senior freezes and deferrals in California, and where to file.

Colorado Senior Citizen Property Tax Exemption for older homeowners

Homestead exemptions, senior freezes and deferrals in Colorado, and where to file.

District of Columbia Homestead Deduction and Senior Citizen/Disabled Property Tax Relief for older homeowners

Homestead exemptions, senior freezes and deferrals in District of Columbia, and where to file.

Iowa Elderly and Disabled Property Tax Credit for older homeowners

Homestead exemptions, senior freezes and deferrals in Iowa, and where to file.

Idaho Property Tax Reduction (Circuit Breaker) Program for older homeowners

Homestead exemptions, senior freezes and deferrals in Idaho, and where to file.

Michigan Homestead Property Tax Credit for older homeowners

Homestead exemptions, senior freezes and deferrals in Michigan, and where to file.

Kansas Kansas Property Tax Relief for Low Income Seniors (SAFESR) for older homeowners

Homestead exemptions, senior freezes and deferrals in Kansas, and where to file.

Kentucky Homestead Exemption for older homeowners

Homestead exemptions, senior freezes and deferrals in Kentucky, and where to file.

Louisiana Special Assessment Level for Seniors for older homeowners

Homestead exemptions, senior freezes and deferrals in Louisiana, and where to file.

Maine State Property Tax Deferral Program for older homeowners

Homestead exemptions, senior freezes and deferrals in Maine, and where to file.

Maryland Homeowners' Property Tax Credit Program for older homeowners

Homestead exemptions, senior freezes and deferrals in Maryland, and where to file.

Georgia Homestead Exemptions (Senior School Tax Exemption) for older homeowners

Homestead exemptions, senior freezes and deferrals in Georgia, and where to file.

Minnesota Property Tax Deferral for Senior Citizens for older homeowners

Homestead exemptions, senior freezes and deferrals in Minnesota, and where to file.

Hawaii Home Exemption / Real Property Tax Credit for Elderly Homeowners for older homeowners

Homestead exemptions, senior freezes and deferrals in Hawaii, and where to file.

Missouri Property Tax Credit Claim ("Circuit Breaker") for older homeowners

Homestead exemptions, senior freezes and deferrals in Missouri, and where to file.

Montana Property Tax Assistance Program (PTAP) / Montana Elderly Homeowner/Renter Credit for older homeowners

Homestead exemptions, senior freezes and deferrals in Montana, and where to file.

Nevada Property Tax Cap / Property Tax FAQs for older homeowners

Homestead exemptions, senior freezes and deferrals in Nevada, and where to file.

New Hampshire Elderly Exemption (local option) / Exemptions and Veterans' Tax Credits for older homeowners

Homestead exemptions, senior freezes and deferrals in New Hampshire, and where to file.

New Mexico Limitation on Increase in Value for Low-Income Senior/Disabled Homeowners for older homeowners

Homestead exemptions, senior freezes and deferrals in New Mexico, and where to file.

Florida Additional Homestead Exemption for Persons 65 and Older for older homeowners

Homestead exemptions, senior freezes and deferrals in Florida, and where to file.

North Dakota Homestead Property Tax Credit for older homeowners

Homestead exemptions, senior freezes and deferrals in North Dakota, and where to file.

Ohio Homestead Exemption for older homeowners

Homestead exemptions, senior freezes and deferrals in Ohio, and where to file.

Oregon Property Tax Deferral for Disabled and Senior Homeowners for older homeowners

Homestead exemptions, senior freezes and deferrals in Oregon, and where to file.

South Carolina Homestead Exemption for older homeowners

Homestead exemptions, senior freezes and deferrals in South Carolina, and where to file.

Tennessee Property Tax Relief Program for older homeowners

Homestead exemptions, senior freezes and deferrals in Tennessee, and where to file.

Texas Age 65 or Older Homestead Exemption for older homeowners

Homestead exemptions, senior freezes and deferrals in Texas, and where to file.

Illinois Senior Citizens Homestead Exemption & Senior Citizens Assessment Freeze Homestead Exemption for older homeowners

Homestead exemptions, senior freezes and deferrals in Illinois, and where to file.

South Dakota Assessment Freeze for the Elderly & Disabled for older homeowners

Homestead exemptions, senior freezes and deferrals in South Dakota, and where to file.

Vermont Vermont Property Tax Credit for older homeowners

Homestead exemptions, senior freezes and deferrals in Vermont, and where to file.

Virginia Real Estate Tax Exemption or Deferral for the Elderly and Disabled for older homeowners

Homestead exemptions, senior freezes and deferrals in Virginia, and where to file.

Wisconsin Property Tax Relief Credits (Homestead Credit / Lottery and Gaming Credit) for older homeowners

Homestead exemptions, senior freezes and deferrals in Wisconsin, and where to file.

Washington Property Tax Exemption for Senior Citizens and People with Disabilities for older homeowners

Homestead exemptions, senior freezes and deferrals in Washington, and where to file.

West Virginia Senior Citizens Tax Credit (with Homestead Exemption) for older homeowners

Homestead exemptions, senior freezes and deferrals in West Virginia, and where to file.