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Older adults using computers to research benefits programs, with a smiling senior man in focus, highlighting resources available to help seniors access government assistance.

Check Out Senior Benefits Available Through Government Programs

Senior Living

Inflation, Financial Security, and Benefits for Seniors

Inflation is putting financial pressure on many older Americans. Living on a fixed income can make rising costs feel overwhelming. While cutting back on non-essential expenses helps, many retirees and near-retirees overlook a key resource — government benefits programs that can ease the strain.

The National Council on Aging (NCOA) partners with thousands of organizations nationwide to promote health and financial security for older adults. One of their best tools is the free online BenefitsCheckUp®, which quickly shows whether you qualify for federal, state, and local assistance programs.

Billions in Benefits Go Unclaimed

Every year, billions of dollars in benefits go unused. Many adults over 55 simply don’t know they qualify — or they find the process confusing and give up.

The good news:

  • No registration is required to use the tool.

  • Minimal personal data is needed.

  • Confidentiality is guaranteed.

  • It’s completely free.

If you find forms overwhelming or are worried about making a mistake, an elder law or estate planning attorney can help. In many cases, there’s little to no upfront cost, and professional guidance can ensure you get every benefit available.

What the BenefitsCheckUp® Offers

When you complete the questionnaire, NCOA mails or emails you a confidential, personalized report listing every program you may qualify for, along with application instructions.

Since its launch in 2001, BenefitsCheckUp® has helped millions of older adults pay for:

  • Food and nutrition

  • Medications and health care

  • Housing and utilities

  • In-home care and aging-in-place support

  • Disability services

  • Skilled nursing and long-term care

  • Tax relief and legal assistance

  • Veterans’ programs

  • Recreation, discounts, and community activities

The website was recently redesigned to be more user-friendly. You can correct errors, add information, and even save your results as a PDF to share with your attorney or a trusted family member.

Why You Should Talk to an Attorney

Before applying for new programs, review your eligibility with an elder law or estate planning attorney. If you already receive SSDI, SSI, or other benefits, additional assistance could unintentionally affect your eligibility. Your attorney can coordinate your benefits so that one program does not disqualify you from another.

Barriers to Enrollment

Despite the availability of more than 2,000 benefits programs, only about 60–65% of eligible seniors participate. Barriers include:

  • Lack of awareness about available programs

  • Complicated application processes

  • Concerns about stigma related to receiving assistance

Ramsey Alwin, President and CEO of NCOA, explains:

“In today’s economy, inflation is taking a bigger and bigger bite out of people’s incomes. We completely redesigned BenefitsCheckUp to make it even easier — no one should have to choose between paying for medications or food.”

Take Action Now

Knowing your options can help you worry less and age better. Visit NCOA’s BenefitsCheckUp® website to see what assistance is available for you or a loved one.

Then, talk with an elder law attorney to make sure any new assistance works with your existing estate or financial plan. The right benefits can be the difference between thriving and simply surviving in retirement.

📞 Questions? Call us at (207) 848-5600 or visit our CONTACT page.

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