Don't Leave Benefits on the Table

Millions of older Americans are eligible for federal, state, and local financial assistance programs — yet many never apply, either because they don't know the programs exist or because they assume they won't qualify. If you or a loved one is on a fixed income, exploring these resources can meaningfully improve financial security and quality of life.

Here's an overview of key programs available to seniors.

Federal Programs

Medicare

Medicare is the federal health insurance program for people 65 and older (and some younger individuals with disabilities). It covers hospital care (Part A), medical services (Part B), and prescription drugs (Part D). Understanding your Medicare options — including whether Original Medicare or a Medicare Advantage plan (Part C) is better for your needs — is essential for managing healthcare costs.

Medicare Savings Programs (MSPs)

If your income and resources are limited, Medicare Savings Programs can help pay Medicare premiums, deductibles, and copayments. There are four levels of MSPs, each with different income limits. Apply through your state Medicaid office or at medicare.gov.

Extra Help / Low Income Subsidy (LIS)

The Social Security Administration's Extra Help program assists Medicare beneficiaries with limited income in paying for prescription drug costs under Part D, including premiums, deductibles, and copayments. Apply online at ssa.gov.

Supplemental Security Income (SSI)

SSI provides monthly cash payments to seniors aged 65 or older with limited income and resources. It is distinct from Social Security retirement benefits. SSI eligibility is based on financial need, not work history, so even those who didn't work or paid little into Social Security may qualify.

SNAP (Supplemental Nutrition Assistance Program)

Formerly known as food stamps, SNAP provides monthly benefits to purchase groceries. Many eligible seniors don't apply because they believe the benefit will be too small to matter — but even a modest monthly SNAP benefit can free up cash for other essential expenses. Apply through your state's social services agency.

LIHEAP (Low Income Home Energy Assistance Program)

LIHEAP helps eligible low-income households — including seniors — pay for home heating and cooling costs. Benefits and eligibility vary by state. Contact your local community action agency or visit the U.S. Department of Health & Human Services website for details.

State and Local Programs

Beyond federal programs, most states offer additional assistance for seniors, including:

  • Property tax relief programs: Many states offer property tax exemptions, freezes, or rebates for senior homeowners.
  • State pharmaceutical assistance programs: Some states supplement Medicare Part D to further reduce drug costs for low-income seniors.
  • Medicaid long-term care: For seniors who need nursing home or in-home care, Medicaid (a joint federal-state program) may cover costs for those who qualify financially.

Area Agencies on Aging (AAAs)

Every region in the U.S. has a federally funded Area Agency on Aging. These local agencies connect seniors with services including:

  • Meal delivery and congregate dining programs
  • Transportation assistance
  • Legal services
  • Benefits counseling (SHIP — State Health Insurance Assistance Program)
  • Caregiver support

Find your local AAA through the Eldercare Locator at eldercare.acl.gov or by calling 1-800-677-1116.

BenefitsCheckUp: A Useful Starting Point

The National Council on Aging operates BenefitsCheckUp.org, a free online screening tool that helps seniors identify federal, state, and local programs for which they may be eligible. It takes about 15 minutes and covers more than 2,000 programs nationwide.

Final Thoughts

Applying for government benefits is not a sign of weakness — it's making use of programs specifically designed to support older Americans. Take the time to explore what you're entitled to. Even if you're comfortably middle-income, you may qualify for property tax relief, prescription assistance, or Medicare savings programs that could save you hundreds or thousands of dollars each year.