Montgomery County, Maryland vs Palm Beach County, Florida

Aging and Disability Services is the Area Agency on Aging and Maryland Access Point (MAP) partner serving Montgomery: benefits counseling (Medicare/SHIP, energy assistance, SNAP), senior center and nutrition programs, home-delivered meals, caregiver support, Senior Care case management, and long-term-care options counseling. Services are free for adults 60 and over. Call 240-777-3000 or MAP statewide at 1-844-627-5465.

$200–$2,000/yr

The Office of Home Energy Programs helps low-income Marylanders pay heating and electric bills through the Maryland Energy Assistance Program (MEAP) and Electric Universal Service Program (EUSP), plus arrearage help and weatherization referrals. Apply once a year through myMDTHINK, by mail, or at the local home energy office in every county.

$100–$1,500/yr

Montgomery County Department of Health and Human Services takes Maryland Energy Assistance (MEAP) and Electric Universal Service Program applications for Montgomery residents — heating and electric bill help and arrearage assistance. Apply through myMDTHINK, by mail, or in person; call 240-777-4450 with questions.

$100–$1,500/yr

Maryland's Food Supplement Program (SNAP) puts monthly grocery money on an EBT card. Households with a member 60 or older or with a disability can deduct out-of-pocket medical expenses over $35 a month, which often raises the benefit, and Maryland supplements the minimum benefit for members age 62 and older. Apply at myMDTHINK or the local department of social services.

$300–$3,000/yr

Maryland Medical Assistance (Medicaid) covers doctor visits, hospital care, prescriptions, and long-term services for residents 65 or older, blind, or disabled with limited income and assets. Several pathways exist — SSI-related coverage, spend-down for higher incomes, and long-term-care rules with different limits. Apply through myMDTHINK (mymdthink.maryland.gov), a local department of social services, or with help from the local Area Agency on Aging.

$2,000–$15,000/yr

Maryland SHIP counselors give free, unbiased help with Medicare: comparing Part D and Advantage plans, applying for Extra Help and Medicare Savings Programs, and untangling bills and appeals. Counseling is delivered through every local Area Agency on Aging. Call 1-800-243-3425 to reach the program.

SPDAP pays up to $100 a month toward the Medicare Part D or Medicare Advantage drug-plan premium for moderate-income Maryland residents on Medicare. Members must live in Maryland (at least six months), be enrolled in a Part D plan, and not receive full federal Extra Help or Medicaid. Income must be under the program's cap (about three times the federal poverty level — call for the current dollar amounts). Apply by mail or phone: 1-800-551-5995.

$300–$1,200/yr

Uninsured and underinsured residents of Montgomery can apply for financial assistance (charity care) at Adventist HealthCare Shady Grove Medical Center for emergency and medically necessary care. Adventist HealthCare provides free care at or below 200% of the federal poverty level and sliding-scale discounts above that (per its assistance page). Maryland law requires every hospital to offer financial assistance with state-set minimums.

Maryland's Home and Community-Based Options Waiver and Community First Choice pay for help at home — personal assistance, nurse monitoring, home-delivered meals, equipment, and adult day services — so older adults who qualify for nursing-home level care can stay in the community. Eligibility takes a functional assessment plus long-term-care Medicaid financial rules. Start with the local Area Agency on Aging or Maryland Access Point or the waiver line 1-877-463-3464.

$5,000–$50,000/yr

Maryland's Medicare Savings Programs pay Medicare costs for residents with limited income: QMB pays Part A and B premiums plus deductibles and copays; SLMB and QI pay the Part B premium. Maryland has expanded these programs with higher income limits than the federal floor. Enrolling also brings federal Extra Help with prescription costs. Apply at a local department of social services or call 1-800-638-3403 for current limits.

$2,000–$8,000/yr

Maryland's Senior Call Check program — the first statewide program of its kind — gives residents 60 and older a free automated telephone check-in every day. If the participant does not answer their scheduled call (after retries), the program alerts a designated contact or emergency services. The expanded Social Connections side adds friendly conversation options. Register free at 1-866-502-0560 or online.

Maryland's Homeowners' Property Tax Credit caps the property tax owed based on income — if taxes exceed a percentage of household income, the state pays the difference. Combined gross household income must be $60,000 or less and net worth under $200,000 (not counting the home and retirement accounts). One application also triggers any county supplemental credit automatically. Apply to SDAT by October 1 each year.

$200–$2,000/yr

Maryland's Renters' Tax Credit pays up to $1,000 a year to renters — the renter's counterpart of the homeowners' credit, on the idea that rent indirectly pays property tax. Renters age 60 or older (or 100% disabled, or surviving spouses 50+) qualify based on an income chart; younger renters with children may also qualify. Apply to SDAT by October 1.

$100–$1,000/yr

Maryland gives residents 65 and older a nonrefundable state income-tax credit: $1,000 for single filers with federal adjusted gross income up to $100,000, and $1,750 for joint filers (both 65+) up to $150,000. Claim it on the Maryland income tax return — no separate application. Maryland also does not tax Social Security benefits.

$1,000–$1,750/yr

Montgomery is served by Ride On buses with reduced senior fares plus Call-n-Ride subsidized taxi service under MDOT MTA's Locally Operated Transit Systems program. Older adults and people with disabilities can use reduced fares, demand-response rides, or ADA paratransit for medical appointments, shopping, and errands — services and fares vary by system. The Area Agency on Aging (240-777-3000) helps arrange senior transportation.

$150–$1,500/yr

The Area Agency on Aging of Palm Beach/Treasure Coast is the Area Agency on Aging and Aging & Disability Resource Center (ADRC) serving Palm Beach County. As a one-call 'no wrong door' entry point, it connects older adults, caregivers, and people with disabilities to in-home care, home-delivered and congregate meals, transportation, caregiver support, benefits counseling, and Florida's Medicaid long-term-care and Community Care for the Elderly services. Services are for adults 60 and older, with priority for those in greatest need. Call Florida's Elder Helpline at 1-800-963-5337 to be connected to the Palm Beach County ADRC.

$500–$6,000/yr

Florida's Low-Income Home Energy Assistance Program (LIHEAP) helps income-eligible households pay home heating and cooling bills, with crisis help when a shutoff is imminent or service is already off. The program is funded federally and run statewide by FloridaCommerce, but you apply through your county's local provider — usually a Community Action Agency, council on aging, or local government office. Households qualify with income at or below 150% of the federal poverty guidelines (or 60% of the state median income); priority goes to households with a member 60 or older, a person with a disability, or a young child. Payments usually go straight to the utility company.

$350–$1,000/yr

Florida Medicaid for the Aged, Blind, and Disabled — commonly called MEDS-AD — is the state's comprehensive Medicaid coverage for low-income seniors 65 and older (and people who are blind or disabled at any age). It covers doctor visits, hospital care, prescription drugs, lab work, durable medical equipment, and community-based long-term care, and it works alongside Medicare to pay for what Medicare doesn't. Florida is a 1634 state, which means anyone who qualifies for federal SSI is automatically enrolled in Medicaid — no separate application is needed. Seniors who aren't on SSI can still qualify through the MEDS-AD pathway, which uses more generous income limits set at 88% of the federal poverty level (about $1,182/month for an individual or $1,596/month for a couple) with countable assets at or below $5,000 individual / $6,000 couple. Countable assets exclude the primary home and one vehicle. Seniors whose income is above the MEDS-AD limit may still qualify through Florida's Medically Needy 'share of cost' pathway, which lets you use unpaid medical expenses to reduce countable income below the standard each month.

$4,000–$12,000/yr

The Health Care District of Palm Beach County (HCD) is a public special taxing district created by special act of the Florida Legislature in 1988 and funded by countywide property tax — i.e., every Palm Beach County property owner already pays into it. HCD runs an integrated public health system that includes the C. L. Brumback Primary Care Clinics (a federally qualified health center serving uninsured and underinsured Palm Beach residents), the District Cares Specialty Benefits program (which provides no-cost specialty care to eligible uninsured Brumback patients), Lakeside Medical Center in Belle Glade (the western county public hospital), the Trauma Agency, and pharmacy services. Adults at any income level can receive care at a Brumback Clinic — the clinics treat patients with or without insurance, regardless of ability to pay. For low-income uninsured patients, the sliding-fee scale based on household size and income reduces the visit fee to as little as a nominal nominal co-pay. Community resource specialists at each clinic enroll qualifying patients into District Cares Specialty Benefits (free specialist visits, diagnostics, and outpatient procedures for eligible uninsured patients), Medicaid, the Health Insurance Marketplace, or other coverage. To schedule an appointment, call 561-642-1000. Walk-ins and same-day appointments are accepted.

$600–$20,000/yr

Florida's Alzheimer's Disease Initiative is the state's dedicated program for adults living with Alzheimer's disease or related dementias (ADRD) and the family members who care for them. It pays for the kinds of services that keep a person with memory loss safely at home and that give caregivers a break: in-home respite, model adult day care designed for dementia, emergency respite when a caregiver is hospitalized, and extended respite of up to about 30 days. ADI also funds case management, specialized medical equipment and supplies, caregiver counseling and support groups, and caregiver training. Connected to the program is the state-funded network of 17 Memory Disorder Clinics across 13 service areas, which provide diagnostic evaluation, research participation, and follow-up care for people with suspected or confirmed ADRD. Eligibility is built around a probable ADRD diagnosis with cognitive impairment that affects daily living — not a strict income test — but a sliding-fee co-pay applies above a base income threshold, and most regions operate a waitlist managed by the local Area Agency on Aging. To apply, contact the statewide Elder Helpline at 1-800-96-ELDER (1-800-963-5337) or your local Aging and Disability Resource Center.

$2,400–$18,000/yr

Community Care for the Elderly is Florida's broadest state-funded in-home services program for functionally impaired seniors aged 60 and older who want to stay in their own home instead of moving to a facility. CCE is not Medicaid — it is funded by the state through the Florida Department of Elder Affairs, which contracts with 11 Area Agencies on Aging and local Lead Agencies to deliver a wide menu of services. Eligible clients may receive case management, adult day care, adult day health care, personal care, homemaker and chore services, home-delivered meals, home health aide and home nursing, respite for family caregivers, emergency alert response systems, escort and shopping assistance, transportation, emergency home repair, consumable medical supplies, counseling, and other community-based supports. There is no rigid income or asset test, but most counties operate a waitlist and apply a sliding-fee co-payment scale once a participant's income rises above a base threshold — at or below roughly 150% of the Federal Poverty Level the participant typically pays nothing, and the co-pay rises in steps for higher-income participants. Priority for services goes to seniors referred by Adult Protective Services as victims of abuse, neglect, or exploitation, followed by those with the greatest functional impairment. Apply through the statewide Elder Helpline at 1-800-96-ELDER (1-800-963-5337) or your local Aging and Disability Resource Center.

$2,000–$15,000/yr

Home Care for the Elderly is a state-funded program that helps frail Florida seniors aged 60 and older stay in a private home with a non-spouse adult caregiver instead of moving to a nursing facility. Each enrolled participant receives a basic monthly subsidy of $160 paid to the caregiver to help offset the cost of food, household supplies, and personal care. The program can also authorize 'special subsidies' for specific needs — incontinence supplies, medications, medical and assistive devices, ramps and home accessibility modifications, nutritional supplements, home health aide visits, home nursing, and respite. To qualify, you must be at risk of nursing-home placement, have monthly income at or below the Institutional Care Program (ICP) standard (300% of the SSI federal benefit rate — about $2,901 a month for 2026), have countable assets at or below $2,000 ($3,000 for a couple), and live with an adult caregiver other than a spouse who is willing and able to provide or arrange care. HCE is administered statewide by the Florida Department of Elder Affairs through 11 regional Area Agencies on Aging, which contract with local Lead Agencies to manage cases and authorize subsidies. Apply through the statewide Elder Helpline at 1-800-96-ELDER (1-800-963-5337) or your local Aging and Disability Resource Center.

$1,920–$6,000/yr

PACE is a comprehensive, integrated care program for seniors who are certified as needing a nursing-home level of care but want to keep living in the community. A single PACE organization becomes the participant's complete medical home — primary care, specialists, hospital care, prescriptions, physical and occupational therapy, dental, vision, hearing, mental health, transportation to appointments, meals, and adult day care at a PACE center. For seniors who have both Medicare and Florida Medicaid, PACE replaces those benefits as one program with no out-of-pocket cost. PACE in Florida is operated by nonprofit organizations in designated service areas across the state; participants must be 55 or older, live within a PACE organization's service area, be able to live safely in the community at enrollment, and agree to use only PACE-network providers.

$30,000–$80,000/yr

Optional State Supplementation is a monthly cash payment from the State of Florida that supplements an SSI-eligible senior's income so they can afford the cost of an Assisted Living Facility (ALF), Adult Family Care Home (AFCH), or Mental Health Residential Treatment Facility. OSS is for low-income seniors and disabled adults who need help with the activities of daily living but who do not require nursing-home-level care. The state pays the difference between the resident's countable income and a published 'provider rate plus personal needs allowance' total — for an individual in an ALF the monthly income eligibility standard is $1,045.40 and the base provider rate is $991.40, plus a $160 monthly Personal Needs Allowance the resident keeps for incidentals (Florida Administrative Code 65A-2.036, effective June 24, 2025). To qualify, you must meet SSI's categorical eligibility (age 65+, blind, or disabled with countable income and resources below the SSI limits), be assessed as needing the level of care the facility provides, and reside in a state-licensed facility that accepts OSS payments. Eligibility is determined by DCF; payments are made monthly.

$1,200–$9,600/yr

Statewide Medicaid Managed Care Long-Term Care (SMMC LTC) is Florida's Medicaid program for people who need nursing-home-level care — whether they receive that care in a nursing facility, an assisted living facility, or in their own home. SMMC LTC pays for nursing facility care, assisted living, adult day health care, home health aide and personal care visits, homemaker and respite services, home-delivered meals, adult companion services, home accessibility modifications, medical equipment, and case management — all coordinated by a managed-care plan you choose at enrollment. To qualify, you must be age 65 or older (or 18+ with a disability), be financially eligible under Florida Medicaid's institutional-care income and asset rules (for 2026 that is monthly income at or below $2,901 — 300% of the SSI federal benefit rate — and countable assets at or below $2,000 for an individual, with special spousal-impoverishment protections for married couples), and be determined by DOEA's CARES (Comprehensive Assessment and Review for Long-Term Care Services) program to require nursing-facility level of care. A waitlist is the norm: CARES screens and prioritizes applicants for available enrollment slots through a wait-list release process. Apply through the Elder Helpline at 1-800-96-ELDER (1-800-963-5337) or the DCF ACCESS portal — eligibility is determined by DCF while CARES handles the medical level-of-care determination.

$20,000–$80,000/yr

Florida runs State Veterans' Nursing Homes around the state — including Daytona Beach, Land O' Lakes, Pembroke Pines, Panama City, Port Charlotte, St. Augustine, and Port St. Lucie — plus a veterans' assisted living facility in Lake City. They provide skilled nursing care or assisted living for veterans who need help with daily living, generally at below private-market rates because federal VA per-diem support helps cover the cost. Florida law also makes the spouse or surviving spouse of a veteran eligible, with admission priority behind eligible veterans. Admission requires Florida residency, needing the level of care, and approval by the U.S. Department of Veterans Affairs.

Palm Beach County's Older Americans Act Title III nutrition services are delivered through two paired lead agencies, divided geographically by Hypoluxo Road: the County Division of Senior and Veteran Services (DSVS) covers the area north of Hypoluxo Road, and the Mae Volen Center, Inc. (a nonprofit lead agency) covers the area south of Hypoluxo Road. Both deliver the same menu of services — congregate meals at neighborhood senior centers, home-delivered (Meals on Wheels) for seniors who cannot prepare their own meals, shop for food, and have no one to do that for them. Home-delivered meals come as a refrigerated or frozen tray plus milk, bread, and fruit, packaged separately and delivered on a regular schedule. Eligibility is age 60+ with no income or asset test, although for home-delivered the senior must meet the functional standard (inability to prepare meals or shop without help). To enroll, call the DSVS Senior Services Helpline at 561-355-4746 (north county) or Mae Volen Center at 561-395-8920 (south county); referrals to congregate sites and home-delivered providers happen through the same intake.

$1,800–$4,500/yr

Florida gives free hunting, freshwater fishing, and saltwater fishing licenses to resident veterans who were honorably discharged and have a VA service-connected disability rating of 50% or more. The license is good for 5 years and is reissued on request every 5 years after that. Bring the VA letter showing the rating and proof of Florida residency to a county tax collector's office. Florida residents certified as totally and permanently disabled by the VA, workers' compensation, or Social Security qualify for free licenses under the same law even without the 50% veteran rating.

$40–$50/yr

Florida law directs the Florida Department of Veterans' Affairs to help veterans, their spouses, and their dependents prepare and file claims for VA benefits — disability compensation, pension, Aid and Attendance, survivor benefits — at no charge. FDVA claims examiners work alongside County Veteran Service Officers available in counties across the state. Getting the VA rating right matters twice in Florida: the rating drives federal compensation AND unlocks state benefits like the disabled-veteran property tax exemptions and free licenses. No one needs to pay a private company to file a VA claim.

Florida residents who are active or retired members of the U.S. Armed Forces, the Reserves, the National Guard, or the Coast Guard can buy the Military Gold Sportsman's License for $18.50 a year — the same package that costs other residents $98.50. It bundles the hunting, freshwater fishing, and saltwater fishing licenses along with the deer, wildlife management area, archery, muzzleloading gun, crossbow, turkey, Florida waterfowl, snook, and spiny lobster permits. Show a current military ID at a county tax collector's office, or verify online through Florida's license portal.

$75–$85/yr

Florida gives veterans age 65 and older a discount on the property tax bill for their homestead when they have a permanent, combat-related, service-connected disability and were honorably discharged. The discount percentage equals the VA disability rating — a 70% rating means 70% off the ad valorem taxes on the home. This is one of the largest senior-specific veteran benefits in Florida. If the veteran dies, the discount carries over to a surviving spouse who keeps the home and does not remarry. Apply with the county property appraiser by March 1 using Form DR-501DV, the VA letter showing the percentage and the combat-related finding, proof of honorable discharge, and proof of age.

$150–$3,000/yr

A Florida veteran with a service-connected, total and permanent disability pays NO property tax on the homestead — the home is fully exempt. The veteran must have been honorably discharged, and a letter from the VA certifying total and permanent disability is the proof. This is one of the largest dollar benefits available to Florida veterans. A surviving spouse who holds title, lives in the home, and does not remarry keeps the full exemption, and can transfer a fixed dollar amount to a new home after a sale. Apply once through the county property appraiser.

$2,000–$5,000/yr

Florida exempts $5,000 of a disabled veteran's property value from taxation. It applies to an honorably discharged veteran who is a Florida resident and is disabled 10% or more from wartime service or by misfortune. The VA disability letter showing the rating counts as proof. An unremarried surviving spouse keeps the exemption. Apply once through the county property appraiser by March 1. This exemption stacks on top of the regular homestead exemption, and it is separate from the larger benefits for 100% disabled veterans and for combat-disabled veterans age 65 and older.

$40–$50/yr

Florida's Homestead Exemption reduces the taxable assessed value of an owner-occupied primary residence by up to $50,000. The first $25,000 is exempt from all ad-valorem property taxes (including school taxes). A second $25,000 exemption applies to the assessed value between $50,000 and $75,000 and is exempt from all property taxes except school district levies — so a homeowner whose home is assessed at $75,000 or more receives the full $50,000 reduction (with $25,000 of that not exempt from school taxes). Eligibility hinges on owning and making the home your permanent residence as of January 1 of the tax year. There is no age or income test for the base exemption. Once granted, the exemption automatically continues each year as long as the homeowner continues to occupy the home — re-application is only required if ownership or occupancy changes. The Homestead Exemption is also what unlocks the 'Save Our Homes' 3% annual assessment-increase cap, which protects long-time homeowners from large property-tax jumps when market values rise.

$200–$750/yr

On top of the base Florida Homestead Exemption and the $50,000 Senior Additional Homestead Exemption, Florida gives counties and cities the option to grant a Long-Term Resident Senior Homestead Exemption that can wipe out up to 100 percent of the assessed value of a qualifying low-income senior's home — paying $0 in the local property taxes the exemption applies to. To qualify you must be age 65 or older, hold the base homestead, have lived in the same home as your permanent residence for at least 25 years, have a household adjusted gross income at or below the same CPI-adjusted limit used for the $50,000 senior add-on ($38,686 for tax year 2026), and the home's just (market) value must be less than $250,000. Like the $50,000 senior add-on, this exemption is not automatic statewide — each county and each city has to adopt it by a super-majority ordinance, and adoption rates vary across Florida's 67 counties and 400+ municipalities. The exemption applies only to taxes levied by the adopting jurisdiction and does not apply to school district taxes. Apply by March 1 with your county Property Appraiser using the senior add-on application packet (typically Form DR-501SC plus a sworn statement of household income).

$800–$2,500/yr

Florida lets counties and municipalities grant an additional homestead exemption of up to $50,000 to homeowners age 65 and older with limited household income. This stacks on top of the base $25,000+$25,000 Homestead Exemption — so a qualifying low-income senior can shield up to $100,000 of assessed value from non-school property taxes in a county that adopts the maximum. The exemption applies only to taxes levied by the county or city that has adopted it; it does not apply to school district taxes. For the 2026 tax year, household income (the adjusted gross income of all household members, as defined by IRC §62) must not exceed $38,686 — a figure that the Florida Department of Revenue adjusts each January 1 by the change in the federal cost-of-living index from the statutory $20,000 base set in §196.075, Fla. Stat. Each county and city must adopt the exemption by ordinance, and the amount adopted (up to the $50,000 maximum) varies — many but not all Florida counties have adopted it, often at the full $50,000.

$300–$700/yr

Palm Tran Connection is Palm Beach County's ADA-mandated shared-ride paratransit service for riders whose disability prevents them from using fixed-route Palm Tran buses. As of January 18, 2026, Connection runs as two paired programs following an April 2025 Palm Beach BCC restructuring: Connection ADA provides door-to-door rides within the ¾-mile ADA service buffer around Palm Tran's fixed-route network (the federally mandated minimum); Connection Plus serves eligible customers whose trip origin or destination falls outside that ¾-mile area — a county-funded extension beyond ADA requirements. Both require an in-person eligibility determination through Palm Tran's existing certification procedure (a disability that functionally prevents fixed-route use; supporting medical documentation; in-person assessment). The standard fare is $4.00 per one-way trip; riders who qualify for a fare subsidy pay $3.50. Apply or ask questions through Palm Tran Connection Customer Service at 561-649-9838, Option 6.

$1,500–$8,000/yr

Palm Tran is Palm Beach County's public fixed-route bus system. Riders age 65 and older qualify for the reduced fare — $1.00 per single one-way ride, half the standard adult cash fare — by showing a valid Florida driver's license or Florida State ID card at the farebox. No advance application or specialty card is required: proof of age at boarding is enough. For frequent riders, an All-Day Pass costs $3.50 and a 31-Day Pass costs $55, both at the reduced-rate price. Passes are sold at Palm Tran kiosks, the Intermodal Transit Center, county libraries, the Palm Tran administrative office at 50 S. Military Trail, and online. Customer service: 561-841-4287 or toll-free 877-930-4287.

$100–$730/yr

The Palm Beach Emergency Home Energy Assistance Program (EHEAP) is a senior-specific utility crisis benefit administered by the County Division of Senior and Veteran Services for households with at least one member age 60 or older. It is distinct from the general-purpose LIHEAP run by Palm Beach Community Action — EHEAP is sized smaller (up to $400 per season) but is delivered through the senior-service network so seniors are not competing with the broader low-income pool for funds. Households may receive one EHEAP benefit per heating or cooling season: up to $400 between April 1 and September 30 for summer cooling, and up to $400 between October 1 and March 31 for winter heating. The household must have been residing in the Palm Beach EHEAP service area at the time the energy bill was incurred and must present a final fuel bill showing an energy crisis (shut-off notice or similar). Households living in government-subsidized housing where utilities are included in rent are not eligible. Apply at the DSVS Administration office (810 Datura Street, West Palm Beach, 561-355-4746) or at one of three regional senior centers: Mid County Senior Center (Lake Worth, 561-357-7100), North County Senior Center (Palm Beach Gardens, 561-694-5435), or West County Senior Center (Belle Glade, 561-996-4808).

$200–$800/yr