Benefits You May Be Missing: A Simple Checklist
Billions of dollars in help go unclaimed every year. Use this checklist to see what you might qualify for.
Dottie’s take: Most folks don’t miss out because they don’t qualify. They miss out because nobody told them to check.
Many programs exist to help older adults with everyday costs — health care, food, energy and housing. But many people never apply, often because they assume they won’t qualify. Rules differ by state and income, so the only way to know is to check.
✓ Medicare Savings Programs
These state programs can help pay your Medicare Part B premium — and sometimes deductibles and copays, too. That can put real money back in your monthly Social Security check. Contact your state Medicaid office to apply.
✓ Extra Help with drug costs
Helps pay Medicare Part D premiums and copays for people with limited income. Apply through Social Security. More on prescription savings →
✓ SNAP (food assistance)
SNAP helps pay for groceries. Older adults may be able to deduct some medical expenses when figuring eligibility, which can help more people qualify. Apply through your state’s SNAP office.
✓ Energy assistance (LIHEAP)
The Low Income Home Energy Assistance Program helps with heating and cooling bills. Read our energy bill guide →
✓ Lifeline phone or internet discount
A federal program that lowers the monthly cost of phone or internet service for eligible households. See how it works →
✓ Property tax relief
Many states and counties offer exemptions, freezes or credits for older homeowners. Ask your county assessor.
✓ Free help finding benefits
- BenefitsCheckUp — a free online screening tool from the National Council on Aging.
- Eldercare Locator — call 1-800-677-1116 to find your local Area Agency on Aging.
- Your State Health Insurance Assistance Program (SHIP) — free Medicare counseling.
Remember: You never have to pay anyone to apply for a government benefit. If someone asks for a fee, walk away.
Dottie’s 30-second benefits check
Answer 2 quick yes-or-no questions to see which benefits you may qualify for. Free, no forms. Tap your age:
Under 65? Tap hereThis guide is for general information only. Program rules, dates and amounts can change and may vary by state. Please confirm details with the official program or a trusted advisor.
