Senior benefits in Essex County, Massachusetts
4
Local programs
17
Massachusetts programs
25
Federal programs
17
Categories
Local starting point
AgeSpan — Massachusetts Aging Services Access Point / AAA network (Executive Office of Aging & Independence)
1-978-683-7747
See which of these Essex County programs you may qualify for.
Find my benefitsHelping others? Print the Essex 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 Essex County
Run by the county, its Area Agency on Aging, or another agency serving Essex County. Start here.
Elder Services
Programs here are typically worth $500–$6,000 a year to an eligible household.
Area Agency on Aging (AgeSpan) — Essex
CountyAgeSpan is the Area Agency on Aging for Essex County. It is the local starting point that connects older adults and caregivers to ASAP and AAA (formerly Elder Services of the Merrimack Valley and North Shore): care coordination, nutrition/Meals on Wheels, housing support, Medicare/SHINE counseling, behavioral health, protective services, family caregiver support, long-term-care ombudsman. Toll-free 800-892-0890. Most services are for adults 60 and older; adults with disabilities may also qualify for some services. Call 1-978-683-7747 to get started.
$500–$6,000/yr
Energy Assistance
Programs here are typically worth $300–$1,000 a year to an eligible household.
Energy Assistance (LIHEAP) — Essex
CountyFuel Assistance (LIHEAP) helps income-eligible households in Essex County pay home heating bills from November 1 through April 30, with extra protection against winter shut-offs. The Commonwealth funds the program, and Greater Lawrence Community Action Council (GLCAC) - Home Energy Assistance takes applications for this county. Homeowners and renters can qualify, including renters whose heat is included in rent. Call 1-978-681-4950 to apply.
$300–$1,000/yr
Healthcare
Hospital Financial Assistance (Salem Hospital) — Essex
CountyUninsured and underinsured residents of Essex County can apply for financial assistance (charity care) at Salem Hospital for emergency and medically necessary care. Discounts are based on household size and income compared with the Federal Poverty Level. Salem Hospital uses the system-wide Mass General Brigham financial assistance program: 70-100% low-income discounts on emergency/medically necessary care for household income below 301% of the Federal Poverty Guidelines, plus enrollment help for MassHealth and the statewide Health Safety Net (https://www.mass.gov/info-details/health-safety-net-for-patients). Other Essex hospitals: Lawrence General, Anna Jaques (Newburyport, BILH), Beverly Hospital and Addison Gilbert (BILH).
Transportation
Programs here are typically worth $150–$1,500 a year to an eligible household.
Senior & Disabled Transit (MBTA / MeVa / CATA) — Essex
CountyMBTA / MeVa / CATA serves Essex County with MBTA commuter rail and bus serve much of Essex County (Senior CharlieCard, roughly half-price fares; The RIDE paratransit in the MBTA district). Merrimack Valley Transit (MeVa) buses in Lawrence/Haverhill/Methuen and surrounds are permanently fare-free - its board 'voted 15-0 on February 6, 2025, with one abstention, to adopt a permanent fare-free policy' (https://mevatransit.com/in-a-historic-move-the-meva-advisory-board-voted-on-02-06-25-to-adopt-a-permanent-fare-free-policy/). Cape Ann Transportation Authority (CATA) Dial-A-Ride offers door-to-door service for 'eligible seniors (60+) and adults with disabilities' in Gloucester, Rockport, Ipswich, Essex, Hamilton, and Manchester-by-the-Sea (https://www.canntran.com/dial-a-ride, 978-283-7916).. 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 and federal programs
Open to eligible households in Essex County and across the rest of Massachusetts. Full details are on the Massachusetts benefits page.
Caregiver Support
Employment
- Senior Community Service Employment Program (SCSEP)Federal$15,000–$17,000/yrOfficial source →
Energy Assistance
- Fuel Assistance (HEAP / LIHEAP) — MassachusettsState$300–$1,500/yrOfficial source →
Food Assistance
- Commodity Supplemental Food Program (CSFP) Senior Food BoxFederal$240–$600/yrOfficial source →
- Congregate Meals at Senior CentersFederal$1,000–$2,500/yrOfficial source →
- Home-Delivered Meals (Meals on Wheels)Federal$1,500–$4,000/yrOfficial source →
- Senior Farmers' Market Nutrition Program (SFMNP)Federal$35–$50/yrOfficial source →
- SNAP (Supplemental Nutrition Assistance Program) for SeniorsFederal$280–$2,400/yrOfficial source →
- Senior Farmers' Market Coupons — MassachusettsState$25/yrOfficial source →
Health Coverage
- MassHealth Standard for Seniors 65+State$4,000–$15,000/yrOfficial source →
Healthcare
- CHAMPVA (Civilian Health and Medical Program of the VA)Federal$3,000–$15,000/yrOfficial source →
- State Health Insurance Assistance Program (SHIP)FederalOfficial source →
- VA Health CareFederal$5,000–$20,000/yrOfficial source →
- Health Safety Net (Hospital & Health Center Care)State$500–$8,000/yrOfficial source →
- Prescription Advantage (State Prescription Drug Help)State$200–$3,000/yrOfficial source →
- SHINE — Medicare Counseling (Serving the Health Insurance Needs of Everyone)StateOfficial source →
Home Care
- Home Care Program (State-Funded, via the ASAPs)State$500–$8,000/yrOfficial source →
Housing
- Housing Choice Voucher (Section 8)Federal$8,000–$20,000/yrOfficial source →
- HUD Section 202 Supportive Housing for the ElderlyFederal$5,000–$15,000/yrOfficial source →
Income Support
- Supplemental Security Income (SSI)Federal$11,928–$17,892/yrOfficial source →
Long Term Care
- PACE — Program of All-Inclusive Care for the ElderlyFederal$6,000–$40,000/yrOfficial source →
- Frail Elder Waiver (MassHealth Long-Term Care at Home)State$10,000–$60,000/yrOfficial source →
- Massachusetts Veterans Homes (Chelsea & Holyoke)State$10,000–$40,000/yrOfficial source →
Medicare Savings
- Extra Help (Part D Low-Income Subsidy)Federal$4,000–$5,300/yrOfficial source →
- Qualifying Individual (QI)Federal$2,400–$2,435/yrOfficial source →
- Qualified Medicare Beneficiary (QMB)Federal$2,435–$3,500/yrOfficial source →
- Specified Low-Income Medicare Beneficiary (SLMB)Federal$2,400–$2,435/yrOfficial source →
- Medicare Savings Programs (QMB / SLMB / QI) — MassachusettsState$2,400–$8,000/yrOfficial source →
Supportive Services
- Long-Term Care Ombudsman ProgramFederalOfficial source →
- National Family Caregiver Support Program (OAA Title III-E)Federal$1,000–$5,000/yrOfficial source →
- Older Americans Act Supportive Services (Title III-B)Federal$500–$3,000/yrOfficial source →
- Senior Medicare Patrol (SMP)FederalOfficial source →
- Massachusetts Veterans Memorial Cemeteries (Agawam & Winchendon)StateOfficial source →
Tax Relief
- Federal Credit for the Elderly or the Disabled (IRS Schedule R)Federalup to $1,125/yrOfficial source →
- Senior Circuit Breaker Tax CreditState$100–$2,820/yrOfficial source →
- Local Senior Property Tax Exemptions & Deferral (Town-by-Town)State$175–$1,000/yrOfficial source →
- Local Property Tax Exemptions for Veterans (Clause 22 Series)State$400–$1,500/yrOfficial source →
Utility Assistance
- Federal LifelineFederal$111–$411/yrOfficial source →
- Weatherization Assistance Program (WAP)Federal$3,000–$8,000/yrOfficial source →
- Weatherization Assistance Program — MassachusettsState$1,000–$4,725/yrOfficial source →
Veteran Benefits
- VA Aid & Attendance (Improved Pension)Federal$12,000–$34,488/yrOfficial source →
- Chapter 115 Veterans' Benefits (Financial Assistance)State$1,000–$15,000/yrOfficial source →
Not legal or financial advice. The agency makes the final eligibility decision.
