Did you know that over 11 million seniors in the United States live alone? And contrary to what some might think, there’s plenty of low income resources available, even if you don’t have children or family who are available to help you.
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This article is specifically designed for seniors aging solo. We’ll provide a guide to the many assistance programs that can help you thrive.
Cash Benefits & Financial Assistance
Living independently often means managing your finances carefully. Here are some programs that can provide a financial helping hand.
Supplemental Security Income (SSI)
What it is: SSI provides monthly payments to adults aged 65 or older, as well as to people of any age with blindness or a disability, who have limited income and resources. This is a crucial safety net for those who haven’t worked enough to qualify for Social Security Disability benefits.
Eligibility: You must meet strict income and asset limits, and you cannot have been denied Social Security disability benefits within the last year.
How to apply: Contact the Social Security Administration (SSA) online at SSA.gov or by calling 1-800-772-1213.
Social Security Disability Income (SSDI)
What it is: If you worked and paid Social Security taxes but are now unable to work due to a disability, you may qualify for SSDI. This program provides monthly benefits based on your work history.
Eligibility: You must have a qualifying disability that prevents you from working, and you must have earned enough work credits through your employment history.
How to apply: Contact the SSA online at SSA.gov or by calling 1-800-772-1213.
Low Income Home Energy Assistance Program (LIHEAP)
What it is: Winter heating bills and summer cooling costs can put a strain on a fixed income. LIHEAP helps low-income households pay for these expenses.
Eligibility: Income limits apply, and the program may prioritize seniors and those with disabilities.
How to apply: Contact your local LIHEAP office. You can find their contact information through the LIHEAP website or by calling the National Energy Assistance Referral (NEAR) hotline at 1-866-674-6327.
Property Tax Relief Programs
What it is: Many states and local governments offer property tax reductions, deferrals, or exemptions for seniors with limited income. This can be a significant help in making homeownership more affordable.
Eligibility: Requirements vary by location, but typically involve age and income limits.
How to apply: Contact your local tax assessor’s office for information on programs in your area.
Home Repair Grants
What it is: Maintaining a safe and comfortable home is essential for independent living. Various government agencies and nonprofits offer grants to help seniors with necessary home repairs or modifications.
Eligibility: Programs may target specific needs (e.g., accessibility modifications) or income levels. It’s decided locally by program.
How to apply: Search our home repair grants list to find programs in your area. You can also contact your local Area Agency on Aging for guidance.
Help with Food
Eating healthy, nutritious meals is essential for well-being at any age. But for seniors living alone, grocery shopping and cooking can sometimes be challenging. Here are some programs that can help ensure you have access to the nourishment you need.
Supplemental Nutrition Assistance Program (SNAP)
What it is: SNAP, formerly known as food stamps, provides monthly benefits to help low-income individuals and households buy groceries.
Eligibility: You must meet certain income and resource limits. Since SNAP is administered at the state level, specific requirements may vary.
How to apply: Visit your local SNAP office or apply online through your state’s SNAP website. You can find links to state websites and more information on the USDA SNAP website.
Commodity Supplemental Food Program (CSFP)
What it is: This program provides monthly boxes of nutritious USDA foods to low-income seniors at no cost. The boxes typically include items like canned fruits, vegetables, protein sources, cereal, and shelf-stable milk.
Eligibility: You must be at least 60 years old and meet certain income guidelines.
How to apply: Contact your local senior center or Area Agency on Aging to find out if this program is available in your area and how to apply.
Senior Farmers Market Nutrition Program (SFMNP)
What it is: This program provides coupons that can be used to purchase fresh, locally grown fruits, vegetables, herbs, and honey at farmers’ markets, roadside stands, and community-supported agriculture (CSA) programs. It’s a great way to support local farmers and enjoy seasonal produce.
Eligibility: You must be at least 60 years old and meet certain income requirements.
How to apply: Contact your local Area Agency on Aging to find out if this program is available in your area and how to apply.
Meals on Wheels
What it is: If you have difficulty shopping or cooking, Meals on Wheels can deliver nutritious meals directly to your home. This service not only provides nourishment but also offers a vital social connection for seniors who may be isolated.
Eligibility: Meals on Wheels programs typically serve homebound seniors aged 60 or older. Some programs may have income guidelines or prioritize those with the greatest need.
How to apply: Contact your local Meals on Wheels program. You can find programs in your area through the Meals on Wheels America website.
Food Banks & Other Resources
What it is: Food banks are community-based organizations that distribute food to those in need. They offer a variety of options, including food pantries where you can select groceries, drive-through distributions, and home delivery for those with limited mobility.
Eligibility: Most food banks have open eligibility criteria, serving anyone facing food insecurity.
How to apply: You can call 211 or check our free food directory. Find a food bank near you by searching online, contacting local churches or social service agencies, or visiting the Feeding America website.
Housing Resources
Having a safe, affordable place to call home is crucial for peace of mind and well-being. Whether you’re looking for independent living with some extra support or assistance with rent in your current home, these programs can help:
Section 202 Housing
What it is: This program provides affordable rental housing for seniors with low incomes. What sets it apart is the supportive services offered, which may include meals, housekeeping, transportation, and social activities. This can be a great option for those who need a little extra help to maintain their independence.
Eligibility: You must be at least 62 years old and have a low income. Priority is often given to those with the greatest need, such as those who are currently homeless or at risk of homelessness.
How to apply: Contact your local public housing agency (PHA) to find out about Section 202 properties in your area and how to apply. You can find your local PHA through the HUD website.
Section 8 Housing
What it is: This program helps low-income individuals, including seniors who do not have children in their homes, afford decent, safe, and sanitary housing in the private market. You receive a voucher that covers a portion of your rent, and you can choose where you want to live, as long as the landlord accepts Section 8 vouchers.
Eligibility: You must meet certain income limits and family size requirements. Preference may be given to those who are elderly, disabled, or experiencing homelessness.
How to apply: Contact your local public housing agency (PHA) to apply for a Section 8 voucher. Waiting lists can be long, so it’s important to apply as soon as possible.
Healthcare Resources
Healthcare costs can be a major concern for seniors, especially those living on a fixed income. Thankfully, there are programs to help you access the care you need and manage those expenses.
Medicare
What it is: Health insurance provided by the federal government for people 65 or older and some younger people with disabilities. It helps cover hospital stays (Part A), medical services (Part B), and prescription drugs (Part D).
Eligibility: You are generally eligible if you are 65 or older and a U.S. citizen or permanent resident who has lived in the U.S. for at least five years. You or your spouse must also have worked and paid Medicare taxes for at least 10 years. Some younger people with disabilities also qualify.
How to apply: Visit Medicare.gov or call 1-800-MEDICARE.
Medicaid
What it is: A joint federal and state program that helps people with limited income and resources pay for healthcare costs, including doctor visits, hospital stays, long-term care, and medications.
Eligibility: Eligibility varies by state, but generally, you must have a low income and limited assets.
How to apply: Contact your state Medicaid office. You can find their contact information on the Medicaid.gov website.
Medicare Savings Programs
What they are: State-run programs that help pay for some or all of your Medicare premiums, deductibles, and copayments if you have limited income and resources.
Eligibility: You must meet certain income and resource limits, which vary by state and program.
How to apply: Contact your state Medicaid office.
Extra Help
What it is: A federal program that helps people with limited income and resources pay for their Medicare Part D prescription drug plan costs.
Eligibility: You must meet certain income and resource limits.
How to apply: You can apply online at SSA.gov, by calling Social Security at 1-800-772-1213, or by contacting your local Social Security office.
Other Help for Seniors without Kids
There are other resources that may be able to assist you as well!
Transportation Programs
Maintaining independence often means being able to get around your community – to doctor’s appointments, grocery stores, social events, and more. If driving is no longer an option or you prefer alternatives, here are some resources to explore.
More Resources
While this article provides a helpful overview of resources, remember that your local Area Agency on Aging (AAA) is a treasure trove of information and support. They can provide personalized guidance and connect you to even more programs and services tailored to your specific needs and circumstances.
This nationwide service can help you find your local AAA. Visit the Eldercare Locator website or call 1-800-677-1116.
Relief Recap
Living alone doesn’t mean you have to go it alone. As you’ve seen, a wide range of programs and services are available to support seniors without kids in their homes. Whether you need help with finances, food, housing, healthcare, or transportation, there are resources to make life easier and more fulfilling.
Nicole is the founder and lead researcher of Low Income Relief. After a personal experience with poverty and homelessness following her husband's sudden medical discharge from the U.S. Army, Nicole discovered the life-changing impact of community resources. This experience ignited her passion for empowering others to navigate similar crises.
Nicole launched her writing career at age 16, working for various newspapers and publications. Her commitment to in-depth research and accessible content has been recognized by Google for Publishers and other industry leaders. For over 20 years, she has applied her investigative skills to uncover the most helpful, up-to-date information on benefits programs and community resources, ensuring Low Income Relief maintains the most extensive resource databases available.
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thank you from n y c