If you had a Federal Housing Administration (FHA) insured mortgage, you may be eligible for a refund of part of your insurance premium and/or a share of any excess earnings from the FHA’s Mutual Mortgage Insurance Fund. What is a FHA Loan? The FHA is a part of the Department of Housing and Urban Development...Read More

The Weatherization Assistance Program (WAP) helps low-income households reduce their energy costs by making their homes more energy efficient. The program is funded by the U.S. Department of Energy, and is often administered by the same agency that offers the Low Income Home Energy Assistance Program (LIHEAP).Once approved, your local WAP provider will conduct a...Read More

The Commodity Supplemental Food Program (CSFP), often referred to as the “the senior box program”, helps low-income individuals at least 60 years of age by supplementing their diets with nutritious food. CSFP serves approximately 600,000 low‐income people each month, and provides more than just food and nourishment. The program has also been shown to help...Read More

The Coronavirus Aid, Relief, and Economic Security (CARES) Act provides many homeowners with protection against foreclosure, as well as the right to pause mortgage payments during times of financial hardship.A federal law put in place during the COVID-19 pandemic offers two protections for homeowners with federally or Government Sponsored Enterprise (GSE) backed mortgages. How To...Read More

Medicaid is a public assistance healthcare program available to all low-income Americans. Unlike Medicare, which guarantees coverage for individuals ages 65 and older and with certain disabilities, Medicaid determines coverage based largely on financial need. Medicaid is paid for with public funds collected through income taxes. Specific eligibility requirements are determined at a state level,...Read More

Medicare is federal health insurance for seniors 65 or older, persons with specific disabilities and also individuals who’ve been diagnosed with End Stage Renal Disease.Medicare has two parts: Part A, which is hospital insurance, and Part B, which is medical insurance. In most cases, Part A is covered under Medicare and Part B is available...Read More

The Low Income Home Energy Assistance Program (LIHEAP) helps families in need afford home energy services and reduce the health and safety concerns that can be caused by unsafe heating and cooling practices. LIHEAP is a federally funded program with budget and coverage specifics that are determined by each state. In general, LIHEAP assists low...Read More

In response to concerns about long wait periods for disability benefit determination, the Compassionate Allowances program is available to applicants whose medical conditions are so serious that they are clearly qualified for disability benefits. This allows the most obviously disabled applicants to receive benefits within a quicker timeline—often 3 to 6 weeks after applying for...Read More

The Supplemental Nutrition Assistance Program (SNAP — formerly the Food Stamp program) is an important federal program that provides low income adults and people with disabilities with a monthly benefit that they can use to purchase food. This program is especially important for low income seniors who often live on fixed budgets and are forced...Read More

The Temporary Assistance for Needy Families (TANF) program provides temporary financial assistance for pregnant women and families with one or more dependent children. TANF uses state funds to provide up to 5 years of cash assistance along with work readiness, training and job placement services.  The primary purposes of TANF are to provide families in...Read More