Middlesex County, Massachusetts vs Palm Beach County, Florida

Massachusetts' Family Caregiver Support Program is free for unpaid caregivers 18 and older who care for someone 60 or older, or anyone living with Alzheimer's disease or a related dementia. It also supports grandparents and relatives 55+ raising children or caring for adults with disabilities. Caregiver specialists at the regional ASAP offer counseling, training, support groups, workshops, and respite care. Call MassOptions at 1-800-243-4636.

Springwell, Inc. is the Area Agency on Aging for Middlesex County. It is the local starting point that connects older adults and caregivers to ASAP/AAA services: care advice and planning, caregiver support, home-delivered meals and community dining, in-home services, money management, long-term-care ombudsman, protective services, friendly visitor and shopping assistance. Most services are for adults 60 and older; adults with disabilities may also qualify for some services. Call 1-617-926-4100 to get started.

$500–$6,000/yr

Fuel Assistance helps income-eligible Massachusetts households pay heating costs from November 1 through April 30 — homeowners and renters alike, including renters whose heat is in the rent. Household income must be at or below 60% of the state median: $53,585 for one person or $70,073 for two under the current guidelines. Payments go straight to the heating vendor, and the same application covers heating-system repair (HEARTWAP) and weatherization. Apply online starting October 1, or through the local fuel-assistance agency; call the Cold Relief Heatline at 1-800-632-8175.

$300–$1,500/yr

Fuel Assistance (LIHEAP) helps income-eligible households in Middlesex County pay home heating bills from November 1 through April 30, with extra protection against winter shut-offs. The Commonwealth funds the program, and Community Teamwork, Inc. (CTI) - Fuel Assistance (LIHEAP) takes applications for this county. Homeowners and renters can qualify, including renters whose heat is included in rent. Call 1-978-459-6161 to apply.

$300–$1,000/yr

Each summer, Massachusetts seniors 60 and older with limited income can get a farmers'-market coupon booklet (about $25 in recent seasons) to buy fresh fruits, vegetables, herbs, and honey from participating farmers markets and farm stands. Income must be under $29,526 a year for one person or $40,034 for two (effective July 1, 2026 - June 30, 2027). Coupons go out first come, first served through the local elder-services agency or council on aging.

$25/yr

MassHealth Standard gives Massachusetts residents 65 and older complete health coverage — doctors, hospitals, prescriptions, and long-term-care services. For 2026, monthly income must be at or below 100% of the federal poverty level ($1,330 for one person, $1,804 for a couple, effective March 1, 2026) with countable assets of $2,000 or less ($3,000 for a couple). Seniors over the income limit may still qualify through a six-month spend-down or long-term-care rules. Apply with the SACA-2 application — it screens for every senior coverage type, including the Medicare Savings Programs. Call 1-800-841-2900 for help.

$4,000–$15,000/yr

The Health Safety Net pays acute-care hospitals and community health centers for care to uninsured and underinsured Massachusetts residents. Residents with income up to 150% of the poverty level get services with no deductible; from above 150% up to 300% FPL ($3,990 a month for one person in 2026), a deductible applies. It also fills gaps for people with Medicare or private insurance, and Medicare Savings Program members are enrolled automatically. Seniors are screened through the same SACA-2 application as MassHealth. It works only at hospitals and community health centers — it is not insurance.

$500–$8,000/yr

IMPORTANT: Prescription Advantage stops accepting new applications after September 11, 2026 — apply before then; current members continue. Massachusetts' state pharmacy assistance program wraps around Medicare Part D: it caps annual out-of-pocket drug spending by income category, allows a once-a-year special enrollment to switch Part D plans, and covers one-time emergency prescriptions. No monthly premium. Income can be up to $79,800 a year for a single person ($108,200 married); under-65 members with disabilities have lower limits. Call 1-800-243-4636 (option 3).

$200–$3,000/yr

SHINE provides free, unbiased health-insurance counseling to Massachusetts residents on Medicare and their caregivers. Certified counselors — reached through local councils on aging or MassOptions at 1-800-243-4636 — help compare Medicare plans, find prescription savings, and apply for assistance programs like the Medicare Savings Programs and Extra Help.

Uninsured and underinsured residents of Middlesex County can apply for financial assistance (charity care) at Lahey Hospital & Medical Center (Burlington) for emergency and medically necessary care. Discounts are based on household size and income compared with the Federal Poverty Level. Beth Israel Lahey Health offers 'a wide variety of financial assistance programs'; financial services staff screen eligibility and help apply, with per-hospital Financial Assistance Policy PDFs (Lahey Burlington included). Massachusetts' statewide Health Safety Net also covers eligible low-income patients at all acute-care hospitals and community health centers (https://www.mass.gov/info-details/health-safety-net-for-patients). Other major Middlesex hospitals: Lowell General (Tufts Medicine), Mount Auburn Hospital (BILH, Cambridge), Newton-Wellesley (Mass General Brigham).

Massachusetts' state-funded Home Care Program helps adults 60 and older (and younger people with Alzheimer's disease needing respite) stay at home with care management, homemaker and personal care, chore services, home-delivered meals, adult day health, respite, and transportation. Households with annual gross income under $35,784 (calendar year 2026) pay small fixed monthly co-payments; higher-income households can still receive services on a sliding fee of 50-100% of service cost — there is no absolute income cut-off. A free in-home assessment by the regional ASAP sets the service plan. Call MassOptions at 1-800-243-4636.

$500–$8,000/yr

The Frail Elder Waiver lets Massachusetts residents 60 and older (60-64 with a disability) who qualify for nursing-facility care stay at home instead — personal care, homemaker help, home-delivered meals, respite, adult day programs, transportation, home adaptations, and dementia supports. For 2026, monthly income must be $2,982 or less (300% of the federal benefit rate) with assets of $2,000 or less ($3,000 for a couple; spousal protections apply). The local Aging Services Access Point assesses clinical eligibility. Call MassOptions at 1-800-243-4636.

$10,000–$60,000/yr

The Massachusetts Veterans Homes at Chelsea and Holyoke (formerly the Soldiers' Homes) provide long-term nursing care, memory care, and hospice for eligible veterans — Chelsea also offers a residential (domiciliary) campus. Applicants must be Massachusetts residents, medically suitable for long-term care, and meet the state's veteran definition (broadened by the HERO Act). Chelsea's long-term care fee is $30 a day with income exemptions. Admissions: Chelsea 617-887-7146; Holyoke 413-552-4764.

$10,000–$40,000/yr

Massachusetts pays Medicare costs for residents with limited income — with no asset test, so savings do not count. QMB (monthly income at or below 190% of the poverty level: $2,527 single / $3,427 couple) pays Part A and B premiums plus deductibles, coinsurance, and copays; SLMB/QI (up to 225% FPL: $2,993 / $4,058) pays the Part B premium. Both levels add Health Safety Net coverage and automatic Extra Help with drug costs. The standalone application takes about 5 minutes — no need to be on MassHealth.

$2,400–$8,000/yr

The state veterans cemeteries in Agawam and Winchendon offer free burial for eligible veterans — open to all veterans, not just Massachusetts residents — with a nominal fee for spouses and dependents ($300 casket burial, $150 cremation interment). Eligibility follows an other-than-dishonorable discharge or 20 years of Guard/Reserve service with retirement pay. Agawam: 413-821-9500; Winchendon: 978-297-9501.

Massachusetts residents 65 and older whose property tax (or 25% of rent) exceeds 10% of their income can claim a refundable state income tax credit of up to $2,820 (tax year 2025). Total Massachusetts income must not exceed $75,000 for a single filer, $94,000 for a head of household, or $112,000 for a married couple filing jointly, and the home's assessed value must be $1,298,000 or less. Renters qualify too. Claim it on Schedule CB with the state return — refundable even with no tax due, and claimable up to three years back.

$100–$2,820/yr

Massachusetts law lets every city and town offer property-tax help to seniors: exemptions of $500 up to $1,000 for homeowners 70 or older (65+ where the town has voted it) under Clause 41C, a $175 exemption under Clause 17D, and a tax deferral under Clause 41A that lets homeowners 65+ postpone taxes at up to 8% interest until the home is sold. Each town chooses which options to adopt and sets its own income and asset limits, so amounts vary by town. Apply each year with the local board of assessors.

$175–$1,000/yr

Massachusetts law provides property-tax exemptions for veterans with service-connected disabilities and certain survivors: $400 (10%+ disability, Purple Heart recipients, Gold Star parents), $750, $1,000 (100% disability), $1,250, $1,500, up to a full exemption for paraplegic veterans or 100% service-connected blindness. Under the HERO Act, towns may double these amounts or tie them to inflation. Apply with the local board of assessors.

$400–$1,500/yr

MBTA serves Middlesex County with MBTA subway, bus, and commuter rail cover most of Middlesex County; Senior CharlieCard gives roughly half-price one-way fares, and The RIDE ADA paratransit (TRAC 844-427-7433) serves the MBTA district. Greater Lowell also has the Lowell Regional Transit Authority (LRTA) local bus network (not separately verified in this pass).. Older adults and people with disabilities can use reduced fares or demand-response rides for medical appointments, shopping, and other essential trips. Rides are free or low-cost depending on the service. Call 1-617-222-3200 for schedules, eligibility, or to book a ride.

$150–$1,500/yr

Massachusetts' Weatherization Assistance Program makes free home energy-efficiency improvements — an average of $4,725 in insulation, air sealing, and related measures — for households eligible for Fuel Assistance (income at or below 60% of the state median; households receiving SSI or TAFDC qualify automatically). Priority goes to households with elderly members or people with disabilities. The Fuel Assistance application is also the weatherization application; homeowners and tenants with the landlord's permission can apply.

$1,000–$4,725/yr

Massachusetts' Chapter 115 program pays needs-based financial assistance to veterans and their dependents facing hardship — help with daily living expenses, medical costs, rent, and outpatient behavioral health care. Every city and town has a Veterans' Service Officer who takes applications and determines benefits under the state's budget standards. The HERO Act broadened who counts as a veteran, including anyone the U.S. VA recognizes. Contact the local VSO to apply; the MassVets Benefit Estimator at vets.mass.gov gives a quick preview.

$1,000–$15,000/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