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

20

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 benefits

Helping 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.

Benefit changes →

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 · Iowa

Elderbridge 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

How to apply →Official source →1-800-243-0678Last verified · October 21, 2026

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 · Iowa

The 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

How to apply →Official source →1-712-262-7409Last verified · October 21, 2026

General Assistance in Clay County

Iowa HHS local office — Clay

County · Iowa

Iowa 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

How to apply →Official source →1-712-262-3586Last verified · October 21, 2026

Healthcare in Clay County

Hospital Financial Assistance (Spencer Hospital) — Clay

County · Iowa

Spencer 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

How to apply →Official source →1-712-264-6148Last verified · October 21, 2026

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 · Iowa

RIDES (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

How to apply →Official source →1-800-358-5037Last verified · October 21, 2026

Veteran Benefits in Clay County

County veterans affairs office — Clay

County · Iowa

The 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

How to apply →Official source →1-712-262-5547Last verified · October 21, 2026

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.

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.

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.

Care at home & long-term care6 programs

Help staying in your home, nursing home alternatives, and support for family caregivers.

Help, advice & legal6 programs

Free counseling, legal help, rides, and other senior services.

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.

← All Iowa counties

Not legal or financial advice. The agency makes the final eligibility decision.