Two out of three seniors who qualify for food assistance never apply. Many also don’t realize they may qualify for housing help, transportation programs, or even free home repairs.
Getting older has its joys, but it also brings challenges. Rising grocery prices, medical bills, and heating costs can make every month feel like a careful balancing act.
The good news is there are government programs designed to help seniors stay independent and secure. You may qualify for more support than you expect.
Why We Recommend BenefitsCheckUp.org
At OurSeniorSafety.com, we look for resources that make a real difference for older adults and caregivers. One of our favorites is BenefitsCheckUp.org.
This free site, created by the National Council on Aging (NCOA), helps seniors and families find programs they may qualify for in minutes.
This tool helped someone I know who was living alone and struggling to keep up with daily tasks. Within weeks of using BenefitsCheckUp, they were connected with meal delivery, weekly house cleaning, in-home care, and even a friendly visitor service. These programs restored independence and gave peace of mind to them and our entire family.
How to See What You Qualify For
Follow these simple steps to get started:
- Visit BenefitsCheckUp.org
- Enter your ZIP code
- Select the types of help you need such as food, housing, or transportation
- Review your personalized list of programs
If you are unsure about next steps or need additional help, contact their team.
7 Free Government Programs Every Senior Should Know
1. SNAP (Supplemental Nutrition Assistance Program)
What is it?
SNAP provides monthly funds on an EBT card to help pay for groceries. The benefits can be used at most grocery stores, farmers markets, and some online retailers.
Who qualifies?
Seniors 60 and older with income at or below federal limits. Owning a home or car does not disqualify you.
How to apply?
Start your application at fns.usda.gov/snap.
2. Meals on Wheels
What is it?
Nutritious meals delivered directly to your home, often paired with wellness check-ins.
Who qualifies?
Seniors 60 and older who have difficulty preparing meals or shopping for groceries.
How to apply?
Find local programs using Meals on Wheels America.
3. LIHEAP (Low Income Home Energy Assistance Program)
What is it?
This program helps pay for heating and cooling bills, especially during extreme weather.
Who qualifies?
Seniors with income below federal limits or those facing shut-off notices.
How to apply?
Apply through your local social services office or learn more at USA.gov Energy Help.
4. Medicare Savings Programs
What is it?
Programs that help pay Medicare premiums, deductibles, and coinsurance.
Who qualifies?
Seniors enrolled in Medicare with low to moderate incomes.
How to apply?
Find details and apply at Medicare.gov Savings Programs.
5. Housing Assistance Programs
What is it?
Includes Section 8 housing vouchers and Home and Community-Based Waiver Programs to support in-home care.
Who qualifies?
Seniors with limited income or those needing home modifications.
How to apply?
Find your local housing authority at HUD’s Office Finder.
6. Transportation Services
What is it?
Free or reduced-cost rides to medical appointments, grocery stores, and community centers.
Who qualifies?
Seniors who no longer drive or do not have access to reliable transportation.
How to apply?
Find services using the National Aging and Disability Transportation Center or Eldercare Locator.
7. VA Disability Housing Grants (For Veterans)
What is it?
Grants for home modifications such as ramps, wider doorways, and bathroom safety updates.
Who qualifies?
Veterans with service-related disabilities.
How to apply?
Check eligibility at VA Housing Grants.
Frequently Asked Questions
What is considered low income for seniors?
This depends on the program and your location. Many programs use the Federal Poverty Guidelines. For example, a single senior earning less than about $1,255 per month in 2025 may qualify for Medicaid or SNAP.
Can seniors get extra money from the government?
Yes. SSI, SSDI, and certain veterans benefits provide monthly payments. Programs for housing, utilities, and food can also provide financial relief.
How can I get free food right now?
Use the Feeding America Food Bank Locator or contact your Area Agency on Aging for Meals on Wheels options.
What happens to seniors with no money?
Seniors with little or no income can qualify for programs that cover food, housing, healthcare, and utilities. Start by checking BenefitsCheckUp.org.
How can seniors get help paying utility bills?
Apply for LIHEAP at USA.gov Energy Help.
Can seniors get help with home repairs?
Yes. Many states offer Home and Community-Based Services waivers and repair programs. Contact your local HUD office or Area Agency on Aging.
Where can I find transportation help for seniors?
Use national resources like NADTC or connect with your local Area Agency on Aging through the Eldercare Locator.
Quick Comparison of Popular Programs
| Program | Benefit | Who Qualifies | Apply at |
|---|---|---|---|
| SNAP | Monthly grocery funds (EBT) | Seniors with low income | fns.usda.gov/snap |
| Meals on Wheels | Home-delivered meals | Seniors 60+ unable to shop or cook | mealsonwheelsamerica.org |
| LIHEAP | Heating and cooling help | Seniors with low income | usa.gov |
| Medicare Savings Programs | Medicare cost coverage | Low-income Medicare enrollees | medicare.gov |
| VA Disability Housing Grants | Home accessibility updates | Veterans with service-related needs | va.gov |
Take the First Step Today
If you’re living on a fixed income or helping a loved one who is, don’t leave money on the table. These programs exist to help you stay healthy, safe, and independent.
Take five minutes today to see what’s available. It could mean extra groceries each month or relief from rising utility bills.
Check Your Benefits Now at BenefitsCheckUp.org