Senior benefits in St. Clair County, Michigan
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Seniors aged 65 and older in St. Clair County, Michigan have access to a wide range of benefit programs that can help with everyday needs, medical costs, home care, and more. A strong local starting point is AgeWays Nonprofit Senior Services (Area Agency on Aging 1-B), which coordinates services in this county including Older Americans Act Services, the Community Living Program for free in-home support, and the Veteran Directed Care program for eligible veterans. Family caregivers can also access a Free Trualta Caregiver Training Subscription through AgeWays. Other local resources include Home Heating and Energy Assistance through Blue Water Community Action and reduced-fare rides through Blue Water Area Transit. At the state level, programs like MI Choice Waiver, MMAP Medicare counseling, and Michigan Caregiver Support may also apply. Federal programs add another layer of potential help. Every listing on this page includes its official source and the date it was last verified. The sponsoring agency always makes the final eligibility decision.
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Local programs
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Michigan programs
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Federal programs
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Categories
Last verified · October 3, 2026
Local starting point
AgeWays Nonprofit Senior Services (Area Agency on Aging 1-B)
1-800-852-7795
See which of these St. Clair County programs you may qualify for.
Find my benefitsHelping others? Print the St. Clair 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 St. Clair County
Run by the county, its Area Agency on Aging, or another agency serving St. Clair County. Start here.
Caregiver Support in St. Clair County
Free Trualta Caregiver Training Subscription (St. Clair County)
County · MichiganIf you are looking after an older adult, AgeWays gives you a free subscription to Trualta, an online training and support service you would otherwise pay for. You get expert guidance on things like preventing falls and handling difficult behaviour, training matched to your own situation, peer support groups, webinars and a community chat. You can watch videos, read articles or join live sessions whenever it suits you. Register through AgeWays or call them to set it up.
In this county: This is for the family caregiver, not the older adult — so it can help an adult child or spouse doing the caring. AgeWays offers it to caregivers in Livingston, Macomb, Monroe, Oakland, St. Clair and Washtenaw counties. The FAQ says caregivers living in the region, or caring for someone 60 or older who lives there, qualify. No income test is published.
Elder Services in St. Clair County
Programs here typically provide services worth $1,500–$6,000 a year to an eligible household.
AgeWays Nonprofit Senior Services (Area Agency on Aging 1-B) — Older Americans Act Services (St. Clair County)
County · MichiganAgeWays Nonprofit Senior Services (Area Agency on Aging 1-B) serves older adults in St. Clair County. Services include home-delivered and congregate meals, in-home and personal care, caregiver support, Medicare/Medicaid counseling (MMAP), long-term care options counseling, and help applying for the MI Choice waiver. Older adults age 60 and over, and adults with disabilities, can call 1-800-852-7795 to ask what help is available.
Estimated service value: $1,500–$6,000 a year
Energy Assistance in St. Clair County
Programs here typically lower an eligible household's bills by $200–$1,500 a year.
Home Heating & Energy Assistance — Blue Water Community Action (St. Clair County)
County · MichiganBlue Water Community Action, the Community Action Agency for St. Clair County, helps income-eligible households with heat, electricity, and water bills and shutoff protection. The first step is to apply for State Emergency Relief on MI Bridges; BWCA navigators can help. Apply through MI Bridges, dial 211 for referrals, or call BWCA at 810-982-8541.
Estimated bill savings: $200–$1,500 a year
Healthcare in St. Clair County
McLaren Financial Assistance — McLaren Port Huron (St. Clair County)
County · MichiganMcLaren Port Huron offers financial assistance for emergency, catastrophic, and medically necessary care in St. Clair County. Discounts are based on the federal poverty guidelines, with eligibility extending up to 400% of the federal poverty level depending on family size and income. Ask a financial counselor or call 1-844-321-1557 to apply.
Estimated bill savings: about $0 a year
Home Care in St. Clair County
Community Living Program — Free In-Home Support (St. Clair County)
County · MichiganThe Community Living Program helps older adults stay safely at home, at no cost. A care team works out a plan with you and anyone helping look after you. Services can include in-home support such as medication reminders, short-term family respite so your caregiver can rest, help identifying assistive devices, light housekeeping, simple meal preparation, and help with shopping and errands. State and federal money pays for it. Voluntary contributions are welcome but never required, and refusing to contribute does not affect the care you get.
In this county: Available to eligible residents of Livingston, Macomb, Monroe, Oakland, St. Clair and Washtenaw counties. There is no cost and contributions are never required, but the services you receive depend on the care plan AgeWays agrees with you and on available funding — this is not an entitlement.
Veteran Directed Care (VDC) — St. Clair County
County · MichiganIn-home services for veterans using a self-directed model: the veteran has a say in who provides the care and how it is delivered. Standard supports can include a care assessment, ongoing case management, help with personal care and homemaking, a personal emergency response system, transportation, and fiscal-intermediary services that handle paying the workers. AgeWays receives referrals from the Detroit and Ann Arbor VA Medical Centers; veterans interested in VDC should ask their VA care team for a referral. AgeWays: (800) 852-7795.
Transportation in St. Clair County
Programs here typically provide services worth $150–$900 a year to an eligible household.
Blue Water Area Transit — Reduced Fare for Older Adults and Riders with Disabilities (St. Clair County)
County · MichiganBlue Water Area Transit runs fixed-route buses and accessible ramp-equipped service across the St. Clair County region around Port Huron. Riders age 60 and over, Medicare card holders, and people with a disability or ADA card pay a reduced fare. Reserve an accessible ride or ask about fares by calling dispatch at 810-987-7373.
Estimated service value: $150–$900 a year
In this county: Reduced fare requires proof of age, Medicare, or a disability/ADA card. Fares and service rules are set by the Blue Water Area Transportation Commission and can change. Not legal or financial advice.
Local agencies serving St. Clair 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.
Blue Water Community Action (BWCA)
McLaren Health Care (McLaren Port Huron)
Blue Water Area Transportation Commission (Blue Water Area Transit)
Runs: Blue Water Area Transit
AgeWays Nonprofit Senior Services (Area Agency on Aging 1-B)
Runs: Free Trualta Caregiver Training Subscription, AgeWays Nonprofit Senior Services (Area Agency on Aging 1-B), Community Living Program
AgeWays Nonprofit Senior Services (Area Agency on Aging 1-B, Southfield), a VDC contractor for the Detroit and Ann Arbor VA Medical Centers
Michigan and federal programs
Open to eligible households in St. Clair County and across the rest of Michigan. Full details are on the Michigan benefits page.
Caregiver Support
- Michigan Caregiver Support (Family Caregiver Services)State · Michiganabout $0/yrService valueOfficial source →
Emergency Aid
- Michigan Veterans Trust Fund Emergency GrantsState · MichiganOfficial source →
Employment
- Senior Community Service Employment Program (SCSEP)Federal$15,000–$17,000/yrCashOfficial source →
Energy Assistance
- Michigan Home Heating CreditState · Michigan$100–$600/yrLower billsOfficial source →
- State Emergency Relief — Energy & Heat (LIHEAP) + MEAPState · Michigan$175–$1,200/yrLower billsOfficial source →
Food Assistance
- Commodity Supplemental Food Program (CSFP) Senior Food BoxFederal$240–$600/yrService valueOfficial source →
- Congregate Meals at Senior CentersFederal$1,000–$2,500/yrService valueOfficial source →
- Home-Delivered Meals (Meals on Wheels)Federal$1,500–$4,000/yrService valueOfficial source →
- Senior Farmers' Market Nutrition Program (SFMNP)Federal$35–$50/yrCashOfficial source →
- SNAP (Supplemental Nutrition Assistance Program) for SeniorsFederal$280–$2,400/yrCashOfficial source →
Health Coverage
- Michigan Medicaid — Aged, Blind & Disabled (AD-Care)State · Michigan$4,000–$30,000/yrService valueOfficial source →
- MI Coordinated Health (Medicare-Medicaid Integrated Plan, formerly MI Health Link)State · Michiganabout $0/yrService valueOfficial source →
Healthcare
- CHAMPVA (Civilian Health and Medical Program of the VA)Federal$3,000–$15,000/yrLower billsOfficial source →
- State Health Insurance Assistance Program (SHIP)FederalOfficial source →
- VA Health CareFederal$5,000–$20,000/yrLower billsOfficial source →
- MMAP — Michigan's State Health Insurance Assistance Program (Medicare Counseling)State · Michiganabout $0/yrLower billsOfficial source →
Home Care
- Home Help Program (Medicaid Personal Care)State · Michigan$3,000–$20,000/yrService valueOfficial source →
Housing
- Housing Choice Voucher (Section 8)Federal$8,000–$20,000/yrLower billsOfficial source →
- HUD Section 202 Supportive Housing for the ElderlyFederal$5,000–$15,000/yrLower billsOfficial source →
Income Support
- Supplemental Security Income (SSI)Federal$11,928–$17,892/yrCashOfficial source →
Long Term Care
- PACE — Program of All-Inclusive Care for the ElderlyFederal$6,000–$40,000/yrService valueOfficial source →
- MI Choice Waiver Program (Home & Community-Based Services)State · Michigan$10,000–$60,000/yrService valueOfficial source →
- PACE — Program of All-Inclusive Care for the Elderly (Michigan)State · Michigan$10,000–$80,000/yrService valueOfficial source →
- Michigan Veteran Homes (State Long-Term Care)State · MichiganOfficial source →
Medicare Savings
- Extra Help (Part D Low-Income Subsidy)Federal$4,000–$5,300/yrPremium savingsOfficial source →
- Qualifying Individual (QI)Federalabout $2,435/yrPremium savingsOfficial source →
- Qualified Medicare Beneficiary (QMB)Federal$2,435–$3,500/yrPremium savingsOfficial source →
- Specified Low-Income Medicare Beneficiary (SLMB)Federalabout $2,435/yrPremium savingsOfficial source →
- Medicare Savings Program (Michigan) — QMB / SLMB / QIState · Michigan$2,100–$8,000/yrPremium savingsOfficial source →
Nutrition
- Senior Project FRESH / Market FRESH (Senior Farmers' Market Nutrition Program)State · Michiganabout $25/yrService valueOfficial source →
Supportive Services
- Long-Term Care Ombudsman ProgramFederalOfficial source →
- National Family Caregiver Support Program (OAA Title III-E)Federal$1,000–$5,000/yrService valueOfficial source →
- Older Americans Act Supportive Services (Title III-B)Federal$500–$3,000/yrService valueOfficial source →
- Senior Medicare Patrol (SMP)FederalOfficial source →
- Michigan Free Hunting and Fishing Licenses for 100% Disabled VeteransState · MichiganOfficial source →
- Michigan Veterans Affairs Agency Claims Assistance (Free VA Claims Help)State · MichiganOfficial source →
Tax Relief
- Federal Credit for the Elderly or the Disabled (IRS Schedule R)Federal$0–$1,125/yrLower billsOfficial source →
- Michigan Disabled Veterans Property Tax Exemption (Full Homestead Exemption)State · Michigan$2,000–$5,200/yrLower billsOfficial source →
- Michigan Homestead Property Tax CreditState · Michigan$100–$1,900/yrLower billsOfficial source →
Utility Assistance
- Federal LifelineFederal$111–$411/yrLower billsOfficial source →
- Weatherization Assistance Program (WAP)Federal$3,000–$8,000/yrLower billsOfficial source →
Veteran Benefits
- VA Aid & Attendance (Improved Pension)Federal$12,000–$34,488/yrCashOfficial source →
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.
