If you're over 60, you've earned access to dozens of benefit programs that can save you hundreds — or even thousands — of dollars every month. The problem? Most seniors don't know these programs exist, or they assume they won't qualify. Here are 10 benefits every senior should check, and how to claim them.

1. Medicare Extra Help (Low-Income Subsidy)

If you're on Medicare and struggling with prescription drug costs, Extra Help can save you an average of $5,300 per year. The program reduces your Part D premiums, deductibles, and copays to minimal amounts. In 2026, individuals with income below $22,590 and resources below $17,220 qualify. Apply at ssa.gov/extrahelp or call 1-800-772-1213.

2. SNAP Benefits for Seniors

Seniors are the most under-enrolled group in SNAP. Many seniors over 60 qualify for simplified application processes and higher benefit amounts due to medical expense deductions. If you're living on Social Security alone, you almost certainly qualify. The average senior SNAP benefit is $104/month — that's $1,248/year in grocery money.

3. LIHEAP (Heating & Cooling Assistance)

The Low Income Home Energy Assistance Program helps pay heating and cooling bills. Seniors on fixed incomes are prime candidates. Benefits average $500-$1,000 per year, and some states offer additional weatherization services that permanently reduce your energy bills. Apply through your local Community Action Agency.

4. Property Tax Exemptions

Nearly every state offers property tax relief for seniors, but you have to apply — it's not automatic. Common programs include:

  • Homestead exemptions that reduce your assessed value by $25,000-$50,000
  • Tax freezes that lock your property tax at the current rate regardless of value increases
  • Tax deferrals that let you postpone payment until you sell the home

Contact your county tax assessor's office to find out what's available in your area.

5. Free Cell Phone (Lifeline Program)

The FCC's Lifeline program provides a free or heavily discounted cell phone and monthly service to qualifying low-income individuals. In 2026, many providers offer smartphones with unlimited talk, text, and data through the program. If your income is at or below 135% of the federal poverty level, or you participate in Medicaid, SNAP, SSI, or other assistance programs, you qualify.

6. Senior Transit and Paratransit

Most public transit systems offer reduced fares (typically 50% off) for seniors 60-65+. Many communities also provide free or low-cost door-to-door paratransit services for seniors who can't use regular bus routes. Contact your local Area Agency on Aging to learn about transportation options in your community.

7. PACE (Program of All-Inclusive Care for the Elderly)

PACE provides comprehensive medical and social services to frail elderly individuals who would otherwise need nursing home care, allowing them to remain in the community. Services include adult day care, medical care, physical therapy, prescriptions, transportation, meals, and home care. If you're 55+ and need nursing-home-level care, PACE may cover everything with zero out-of-pocket cost if you're on Medicaid.

8. Veterans Benefits

If you served in the military, you may qualify for benefits you've never claimed:

  • VA Pension: Tax-free monthly payment for wartime veterans with limited income
  • Aid & Attendance: Additional monthly payment if you need help with daily activities
  • VA healthcare: Comprehensive medical care at VA facilities
  • Burial benefits: Free burial in a national cemetery, headstone, and flag

9. SSI (Supplemental Security Income)

SSI provides monthly cash payments to seniors 65+ with limited income and resources. The 2026 federal benefit is $943/month for individuals. Many states add a supplement. SSI recipients automatically qualify for Medicaid in most states, giving you comprehensive health coverage too. Apply at your local Social Security office or at ssa.gov.

10. Medicare Savings Programs

If you're on Medicare, these programs can pay your Part B premiums ($185/month in 2026), deductibles, and coinsurance:

  • QMB: Pays all Medicare cost-sharing for individuals with income under ~$1,275/month
  • SLMB: Pays Part B premium for income under ~$1,526/month
  • QI: Pays Part B premium for income under ~$1,715/month

Apply through your state Medicaid office. These programs save qualifying seniors $2,000-$5,000+ per year.

How to Get Started

The fastest way to check all your benefits at once is to visit BenefitsCheckUp.org (operated by the National Council on Aging). Answer a few questions and get a personalized list of every program you may qualify for. You can also call your local Area Agency on Aging at 1-800-677-1116 — they'll walk you through everything available in your community.