Senior benefits in Worcester County, Massachusetts
Not in Massachusetts? Worcester County, Maryland
Seniors living in Worcester County, Massachusetts have access to a wide range of benefit programs that can help with health care, housing, energy costs, transportation, and more. Elder Services of Worcester Area, Inc. is the local Area Agency on Aging serving this county and is a strong starting point for connecting with services. Locally, the Worcester Regional Transit Authority (WRTA) offers reduced-fare transit options for seniors and people with disabilities, and the Worcester Community Action Council delivers Energy Assistance (LIHEAP) to help with heating costs. UMass Memorial Medical Center provides a Hospital Financial Assistance program for those who need help covering medical bills. At the state level, programs like SHINE Medicare Counseling, the Senior Circuit Breaker Tax Credit, MassHealth Standard, and the Frail Elder Waiver may also be available to eligible residents. Dozens of federal programs apply here as well. Every program listed on this page includes its official source and the date it was last verified. The administering agency always makes the final eligibility decision.
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Local programs
19
Massachusetts programs
25
Federal programs
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Categories
Last verified · October 8, 2026
Local starting point
Elder Services of Worcester Area, Inc. — Massachusetts Aging Services Access Point / AAA network (Executive Office of Aging & Independence)
1-508-756-1545
See which of these Worcester County programs you may qualify for.
Discover my benefitsHelping others? Print the Worcester 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 Worcester County
Run by the county, its Area Agency on Aging, or another agency serving Worcester County. Start here.
Elder Services in Worcester County
Programs here typically provide services worth $500–$6,000 a year to an eligible household.
Area Agency on Aging (Elder Services of Worcester Area, Inc.) — Worcester
County · MassachusettsElder Services of Worcester Area, Inc. is the Area Agency on Aging for Worcester County. It is the local starting point that connects older adults and caregivers to Home care program, senior nutrition (home-delivered and congregate meals), options counseling, family caregiver support, money management, protective services, ADRC information and referral. Most services are for adults 60 and older; adults with disabilities may also qualify for some services. Call 1-508-756-1545 to get started.
Estimated service value: $500–$6,000 a year
Energy Assistance in Worcester County
Programs here typically lower an eligible household's bills by $300–$1,000 a year.
Energy Assistance (LIHEAP) — Worcester
County · MassachusettsFuel Assistance (LIHEAP) helps income-eligible households in Worcester County pay home heating bills from November 1 through April 30, with extra protection against winter shut-offs. The Commonwealth funds the program, and Worcester Community Action Council, Inc. (WCAC) takes applications for this county. Homeowners and renters can qualify, including renters whose heat is included in rent. Call (508) 754-1176 x110 to apply.
Estimated bill savings: $300–$1,000 a year
Healthcare in Worcester County
Hospital Financial Assistance (UMass Memorial Medical Center) — Worcester
County · MassachusettsUninsured and underinsured residents of Worcester County can apply for financial assistance (charity care) at UMass Memorial Medical Center for emergency and medically necessary care. Discounts are based on household size and income compared with the Federal Poverty Level. Financial counseling for uninsured/underinsured patients; financial assistance policy summaries and application instructions are linked from this page. umassmemorialhealthcare.org now redirects to ummhealth.org. Massachusetts also runs the statewide Health Safety Net, which pays for eligible services for low-income uninsured/underinsured patients at Massachusetts hospitals and community health centers (cited separately at the state level).
Estimated bill savings: about $0 a year
Transportation in Worcester County
Programs here typically provide services worth $150–$1,500 a year to an eligible household.
Senior & Disabled Transit (Worcester Regional Transit Authority (WRTA)) — Worcester
County · MassachusettsWorcester Regional Transit Authority (WRTA) serves Worcester County with WRTA is currently fare-free systemwide, so no senior fare applies. Northern Worcester County (Fitchburg, Leominster, Gardner) is served by the Montachusett RTA (MART), not WRTA. WRTA also runs ADA/non-ADA paratransit and council-on-aging Elderbus demand-response service, likewise fare-free during the suspension. 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 1-508-791-9782 for schedules, eligibility, or to book a ride.
Estimated service value: $150–$1,500 a year
Local agencies serving Worcester 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.
Elder Services of Worcester Area, Inc.
Runs: Area Agency on Aging (Elder Services of Worcester Area, Inc.)
UMass Memorial Medical Center
Runs: Hospital Financial Assistance (UMass Memorial Medical Center)
Worcester Regional Transit Authority (WRTA)
Runs: Senior & Disabled Transit (Worcester Regional Transit Authority (WRTA))
Massachusetts and federal programs
Open to eligible households in Worcester County and across the rest of Massachusetts. Full details are on the Massachusetts benefits page.
Money & income2 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 (QMB / SLMB / QI) — Massachusetts
- MassHealth Standard for Seniors 65+
- Health Safety Net (Hospital & Health Center Care)
- SHINE — Medicare Counseling (Serving the Health Insurance Needs of Everyone)
- Extra Help (Part D Low-Income Subsidy)
- Qualifying Individual (QI)
- Qualified Medicare Beneficiary (QMB)
- Specified Low-Income Medicare Beneficiary (SLMB)
- State Health Insurance Assistance Program (SHIP)
Food6 programs
SNAP (food stamps), meals, and farmers market coupons.
Home, bills & taxes11 programs
Help with heating and electric bills, rent, property taxes, and home repairs.
- Fuel Assistance (HEAP / LIHEAP) — Massachusetts
- Weatherization Assistance Program — Massachusetts
- Senior Circuit Breaker Tax Credit
- Local Senior Property Tax Exemptions & Deferral (Town-by-Town)
- Local Property Tax Exemptions for Veterans (Clause 22 Series)
- Congregate Housing — Shared Affordable Housing with Services
- 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.
- Home Care Program (State-Funded, via the ASAPs)
- Frail Elder Waiver (MassHealth Long-Term Care at Home)
- Massachusetts Veterans Homes (Chelsea & Holyoke)
- Family Caregiver Support Program — Massachusetts
- 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.
- Community Transition Liaison Program — Help Leaving a Nursing Facility
- Money Management Program — Free Bill-Paying Help for Older Adults
- Massachusetts Veterans Memorial Cemeteries (Agawam & Winchendon)
- Older Americans Act Supportive Services (Title III-B)
- Long-Term Care Ombudsman Program
- Senior Medicare Patrol (SMP)
Veterans4 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.
Compare Worcester County side by side
Not legal or financial advice. The agency makes the final eligibility decision.
