This guide includes free or low-cost services available to older adults in the U.S., including Social Security, healthcare, housing, nutrition, and more. Most programs are administered at the federal or state level, with some available locally.
Social Security & Income Assistance
Social Security Retirement Benefits
Monthly income for eligible individuals based on work history (typically age 62+).
Apply online: https://www.ssa.gov
Phone: 1-800-772-1213
Supplemental Security Income (SSI)
Monthly cash assistance for low-income seniors (65+), as well as individuals of any age who are blind or have a disability.
More info: https://www.ssa.gov/ssi
Low-Income Home Energy Assistance Program (LIHEAP)
Helps pay for home heating and cooling costs.
Locate your local LIHEAP office: https://www.energyhelp.us
Healthcare Programs
Medicare
Federal health insurance for people age 65+ or under 65 with qualifying disabilities. Covers hospital care (Part A), medical services (Part B), prescription drugs (Part D), and preventive care.
More info or apply: https://www.medicare.gov
Medicare Savings Programs (MSPs)
State-run programs that help pay for Medicare premiums, deductibles, and copayments for those with limited income and resources.
Apply through your state’s Medicaid office.
Extra Help (Part D Low-Income Subsidy)
Assists with the cost of Medicare Part D prescription plans for those with low income.
Apply through Social Security: https://www.ssa.gov/benefits/medicare/prescriptionhelp
Medicaid
Health coverage for low-income individuals, including many seniors who need long-term care. Seniors may be eligible for both Medicare and Medicaid (dual eligibility).
Apply through your state’s Medicaid agency: https://www.medicaid.gov
State Health Insurance Assistance Program (SHIP)
Provides free, unbiased counseling for Medicare, Medicaid, and other insurance issues.
Find your local SHIP: https://www.shiphelp.org
Housing Assistance
Section 202 Supportive Housing for the Elderly
Subsidized apartments with on-site support services for very low-income individuals age 62 and older.
Program info: https://www.hud.gov/program_offices/housing/mfh/progdesc/eld202
Housing Choice Voucher Program (Section 8)
Rental assistance that can be used in privately owned housing. Some PHAs prioritize older adults and people with disabilities. Waitlists are common.
Apply through your local Public Housing Authority (PHA).
More info: https://www.hud.gov/topics/housing_choice_voucher_program_section_8
Nutrition & Meals
Senior Nutrition Program (Older Americans Act)
Provides free or low-cost meals at senior centers or through home delivery (includes Meals on Wheels).
Find services near you: https://eldercare.acl.gov or call 1-800-677-1116
Supplemental Nutrition Assistance Program (SNAP)
Monthly grocery benefits for low-income individuals and families. Many seniors qualify even if they have modest income or savings.
Apply through your state agency: https://www.fns.usda.gov/snap
Transportation & In-Home Support Services
Older Americans Act (OAA) Services
Includes free or low-cost transportation, homemaker support, legal aid, case management, and caregiver assistance.
Find local programs: https://eldercare.acl.gov
Long-Term Care Ombudsman Programs
Advocates for the rights of residents in nursing homes and assisted living facilities.
Learn more: https://ltcombudsman.org
Additional Senior Supports
Senior Community Service Employment Program (SCSEP)
Part-time job training and employment for low-income adults age 55 and older.
Program info: https://www.dol.gov/agencies/eta/seniors
Free Tax Help for Seniors (VITA/TCE Programs)
Free tax preparation assistance for low-income individuals and seniors through IRS-sponsored programs.
Locate a site: https://www.irs.gov/individuals/free-tax-return-preparation-for-qualifying-taxpayers
Key National Contacts
| Service | Phone Number | Website |
|---|---|---|
| Social Security Administration | 1-800-772-1213 | https://www.ssa.gov |
| Medicare Info Line | 1-800-MEDICARE | https://www.medicare.gov |
| Eldercare Locator | 1-800-677-1116 | https://eldercare.acl.gov |
| Medicaid (State Programs) | Varies by state | https://www.medicaid.gov |
