Senior benefits in Clay County, Iowa
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Seniors in Clay County, Iowa, can look into a mix of local, state, and federal benefit programs. A good first stop is Elderbridge Agency on Aging, the local Area Agency on Aging, which can point you to in-home support and caregiver help. The Iowa HHS local office in Clay County is another place to ask about programs like Medicaid and SNAP food assistance. Other local help includes Hospital Financial Assistance through Spencer Hospital, LIHEAP heating assistance through Upper Des Moines Opportunity, and public transit from RIDES Regional Transit Authority. Veterans and their families can contact the Clay County Commission of Veteran Affairs. Iowa also offers property tax credits, Medicare Savings Programs, and free Medicare counseling through SHIIP. Federal programs may apply as well. The page below lists each program with its official source and the date it was last verified. Keep in mind that the agency running each program makes the final decision on whether you qualify.
6
Local programs
20
Iowa programs
26
Federal programs
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Categories
Last verified · October 22, 2026
Local starting point
Elderbridge Agency on Aging
1-800-243-0678
See which of these Clay County programs you may qualify for.
Discover my benefitsHelping others? Print the Clay County benefits checklist — free to hand out.
When benefit rules change, it’s tracked here
Income limits, new requirements, how to apply — see what’s changed across senior benefit programs, from the official source in plain English.
Programs run in Clay County
Run by the county, its Area Agency on Aging, or another agency serving Clay County. Start here.
Elder Services in Clay County
Programs here typically provide services worth $200–$2,000 a year to an eligible household.
Area Agency on Aging services (Elderbridge Agency on Aging) — Clay
County · IowaElderbridge Agency on Aging is the Area Agency on Aging for Clay County and 28 other counties in north central, northwest and central Iowa. Its services include information and assistance, options counseling, case management, congregate and home-delivered meals, nutrition counseling, falls prevention classes, family caregiver support (support groups, training and help finding respite care), help for grandparents and older relatives age 55 and up who are raising a child, elder abuse prevention, legal assistance on elder rights issues, and Medicare help. Meals can have a wait list. Elderbridge has offices in Mason City, Fort Dodge, Carroll and Spencer. Call 800-243-0678.
Estimated service value: $200–$2,000 a year
Energy Assistance in Clay County
Programs here typically lower an eligible household's bills by $80–$800 a year.
LIHEAP heating assistance (Upper Des Moines Opportunity) — Clay
County · IowaThe Low-Income Home Energy Assistance Program (LIHEAP) makes a one-time payment to your heating company to help with winter heating costs, no matter what fuel you use. In Clay County, Upper Des Moines Opportunity (UDMO) takes applications at its outreach office at 19 10th St. SW in Spencer; call 712-262-7409 for an appointment. Households with a member age 60 or older, a disabled member, or a crisis can apply starting October 1; everyone else can apply November 1 through April 30. Both homeowners and renters can qualify. Approved households are also protected from gas or electric shut-off during the winter moratorium, November 1 through April 1. Applying for LIHEAP also signs you up for weatherization.
Estimated bill savings: $80–$800 a year
General Assistance in Clay County
Iowa HHS local office — Clay
County · IowaIowa Health and Human Services (HHS) has a local office in Clay County at 1900 North Grand Ave., Suite E-8 in Spencer. It serves Clay and Osceola counties. Call 712-262-3586. Iowa HHS runs help programs such as SNAP food assistance (formerly food stamps), LIHEAP heating help, rent assistance and WIC.
Estimated bill savings: about $0 a year
Healthcare in Clay County
Hospital Financial Assistance (Spencer Hospital) — Clay
County · IowaSpencer Hospital in Spencer has a Patient Assistance Program: depending on your income, you may qualify for extra help paying your bill, and a financial counselor can help with the application. Call a financial counselor at 712-264-6148 or email SPH_counselor@spencerhospital.org.
Estimated bill savings: about $0 a year
Transportation in Clay County
Programs here typically provide services worth $150–$1,500 a year to an eligible household.
Public transit (RIDES Regional Transit Authority) — Clay
County · IowaRIDES (Regional Transit Authority) is the public transit system for Clay County and eight other northwest Iowa counties. It offers door-to-door demand-response rides to the general public, including people with disabilities. In Clay County, rides in Spencer run Monday through Friday 8:00 a.m. to 5:00 p.m. (general public fare $4.00). Trips outside city limits are billed by the mile. Call dispatch toll free at 800-358-5037, Monday through Friday 8:00 a.m. to 4:00 p.m.; booking 24 hours ahead is recommended.
Estimated service value: $150–$1,500 a year
Veteran Benefits in Clay County
County veterans affairs office — Clay
County · IowaThe Clay County Veterans Affairs office is at 505 2nd Ave W., Suite C in Spencer (Monday through Friday, 8:00 a.m. to 4:30 p.m.). The office gives emergency help to qualifying veterans with money hardships, under Iowa Code chapter 250. It also helps veterans and their dependents apply for VA medical care, disability compensation, pensions, Aid and Attendance, the Iowa Veterans Home and nursing home care, military records, burial benefits, education and home loan benefits. Call 712-262-5547.
Estimated cash: about $0 a year
Local agencies serving Clay County
Who runs the county programs above, and how to reach them. Every line comes from a program record on this page — nothing is added that the catalog does not cite.
Upper Des Moines Opportunity, Inc. (UDMO)
Runs: LIHEAP heating assistance (Upper Des Moines Opportunity)
Iowa Department of Health and Human Services (HHS)
Runs: Iowa HHS local office
Spencer Hospital
Regional Transit Authority (RIDES)
Clay County Commission of Veteran Affairs
Elderbridge Agency on Aging
Runs: Area Agency on Aging services (Elderbridge Agency on Aging)
Iowa and federal programs
Open to eligible households in Clay County and across the rest of Iowa. Full details are on the Iowa benefits page.
Money & income3 programs
Cash paid to you, and emergency help when money runs short.
Health & Medicare costs9 programs
Medicaid, Medicare savings, and help with drug and doctor bills.
- Medicare Savings Programs in Iowa (QMB, SLMB, E-SLMB)
- Iowa Medicaid for people who are aged (65+), blind, or disabled
- Iowa SHIIP: free Medicare and health insurance counseling (Senior Health Insurance Information Program)
- Extra Help (Part D Low-Income Subsidy)
- Qualifying Individual (QI)
- Qualified Medicare Beneficiary (QMB)
- Specified Low-Income Medicare Beneficiary (SLMB)
- Community Health Center Sliding Fee Discount
- State Health Insurance Assistance Program (SHIP)
Food6 programs
SNAP (food stamps), meals, and farmers market coupons.
Home, bills & taxes13 programs
Help with heating and electric bills, rent, property taxes, and home repairs.
- Iowa Low-Income Home Energy Assistance Program (LIHEAP)
- Iowa Disabled Veteran Homestead Property Tax Credit (100% of property tax)
- Iowa Property Tax Credit for Senior and Disabled Citizens (Elderly and Disabled Property Tax Credit)
- Iowa Homestead Tax Exemption for homeowners 65 and older
- Iowa Military Service Property Tax Exemption for veterans
- Iowa retirement income exclusion (no state income tax on pensions, IRAs, and 401(k)s at 55+)
- Iowa property tax credit for homeowners 70 and older (property tax freeze)
- Iowa Rent Reimbursement for renters 65 and older or with a disability
- Federal Lifeline
- Weatherization Assistance Program (WAP)
- Federal Credit for the Elderly or the Disabled (IRS Schedule R)
- Housing Choice Voucher (Section 8)
- HUD Section 202 Supportive Housing for the Elderly
Care at home & long-term care6 programs
Help staying in your home, nursing home alternatives, and support for family caregivers.
- Iowa in-home support services for older adults (Area Agencies on Aging case management, homemaker, and personal care)
- Iowa Medicaid HCBS Elderly Waiver (in-home care for people 65 and older)
- Iowa Veterans Home (Marshalltown): nursing and residential care for veterans and spouses
- Iowa family caregiver support through the Area Agencies on Aging
- PACE — Program of All-Inclusive Care for the Elderly
- National Family Caregiver Support Program (OAA Title III-E)
Help, advice & legal6 programs
Free counseling, legal help, rides, and other senior services.
- Iowa lifetime hunting and fishing license for disabled veterans ($7)
- Iowa Veterans Cemetery (Van Meter / Adel): burial for veterans, spouses, and dependent children
- Free veterans benefits and VA claims help in Iowa (County Veterans Service Offices and IDVA)
- Older Americans Act Supportive Services (Title III-B)
- Long-Term Care Ombudsman Program
- Senior Medicare Patrol (SMP)
Veterans3 programs
Benefits for veterans and their surviving spouses.
Nearby counties
Local programs differ from one county to the next. If you live near a county line, or you are helping a parent who lives in one of these, it is worth checking there too.
Not legal or financial advice. The agency makes the final eligibility decision.
