Senior benefits in St. Louis County, Minnesota
Not in Minnesota? St. Louis County, Missouri
Seniors in St. Louis County, Minnesota have access to a wide range of benefit programs that can help with health care, housing costs, food, energy bills, and more. The Arrowhead Area Agency on Aging (ARDC) is a strong local starting point — it can connect you to services and guide you through your options. Locally, the Arrowhead Economic Opportunity Agency handles Energy Assistance Program intake to help with heating costs, Essentia Health St. Mary's Medical Center in Duluth offers hospital financial assistance for those who qualify, and the Duluth Transit Authority provides public and Dial-a-Ride transit options. State programs available here include Medical Assistance, the Elderly Waiver, Alternative Care, Medicare Savings Programs, SNAP, and property tax relief programs for both homeowners and renters. Dozens of federal programs also apply in this county. Each listing on this page includes its official source and the date it was last verified. The agency behind each program makes the final eligibility decision.
4
Local programs
11
Minnesota programs
25
Federal programs
15
Categories
Last verified · October 3, 2026
Local starting point
Arrowhead Area Agency on Aging (ARDC)
1-218-722-5545
See which of these St. Louis County programs you may qualify for.
Find my benefitsHelping others? Print the St. Louis 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. Louis County
Run by the county, its Area Agency on Aging, or another agency serving St. Louis County. Start here.
Elder Services in St. Louis County
Programs here typically provide services worth $200–$2,000 a year to an eligible household.
Area Agency on Aging services (Arrowhead Area Agency on Aging (ARDC)) — St. Louis
County · MinnesotaArrowhead Area Agency on Aging (ARDC) is the Minnesota Board on Aging's designated Area Agency on Aging for St. Louis County. It administers Older Americans Act services for adults 60 and over and family caregivers — benefits counseling, caregiver support, home-delivered and congregate meals, chore and homemaker help, and local aging services. Call 218-722-5545 or Minnesota Aging Pathways (formerly the Senior LinkAge Line) at 800-333-2433 to get connected.
Estimated service value: $200–$2,000 a year
Energy Assistance in St. Louis County
Programs here typically lower an eligible household's bills by $200–$1,400 a year.
Energy Assistance Program intake (Arrowhead Economic Opportunity Agency) — St. Louis
County · MinnesotaArrowhead Economic Opportunity Agency takes Minnesota Energy Assistance Program applications for St. Louis County residents — help paying heating bills, crisis help, and emergency furnace repair. Household income must be at or below 50% of the state median income (see the statewide Energy Assistance record for details). The heating season program runs October 1 through May 31. Call 218-749-2912 to apply through the local provider.
Estimated bill savings: $200–$1,400 a year
Healthcare in St. Louis County
Hospital Financial Assistance (Essentia Health St. Mary's Medical Center (Duluth)) — St. Louis
County · MinnesotaUninsured and underinsured residents of St. Louis County can apply for financial assistance (charity care) at Essentia Health St. Mary's Medical Center (Duluth) for emergency and medically necessary care. Free or discounted care is based on household income and size under the hospital's financial assistance policy.
Estimated bill savings: about $0 a year
Transportation in St. Louis County
Programs here typically provide services worth $150–$1,500 a year to an eligible household.
Public & Dial-a-Ride Transit (Duluth Transit Authority) — St. Louis
County · MinnesotaDuluth Transit Authority provides public transit service for St. Louis County riders under MnDOT's Greater Minnesota / metro transit program — typically dial-a-ride or deviated-route buses usable for medical appointments, shopping, and errands. Reduced fares for seniors and ADA paratransit vary by system. Call 218-722-7283 to schedule a ride or ask about senior fares.
Estimated service value: $150–$1,500 a year
Local agencies serving St. Louis 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.
Essentia Health St. Mary's Medical Center (Duluth)
Runs: Hospital Financial Assistance (Essentia Health St. Mary's Medical Center (Duluth))
Duluth Transit Authority
Runs: Public & Dial-a-Ride Transit (Duluth Transit Authority)
Arrowhead Area Agency on Aging (ARDC)
Runs: Area Agency on Aging services (Arrowhead Area Agency on Aging (ARDC))
Arrowhead Economic Opportunity Agency (local EAP service provider)
Runs: Energy Assistance Program intake (Arrowhead Economic Opportunity Agency)
Minnesota and federal programs
Open to eligible households in St. Louis County and across the rest of Minnesota. Full details are on the Minnesota benefits page.
Elder Services
- Minnesota Aging Pathways (formerly Senior LinkAge Line)State · Minnesota$100–$2,000/yrService valueOfficial source →
Employment
- Senior Community Service Employment Program (SCSEP)Federal$15,000–$17,000/yrCashOfficial source →
Energy Assistance
- Energy Assistance Program (EAP)State · Minnesota$200–$1,400/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 →
- SNAP (Supplemental Nutrition Assistance Program)State · Minnesota$300–$3,500/yrCashOfficial source →
Health Coverage
- Medical Assistance for people 65+, blind, or disabled (MA)State · Minnesota$2,000–$15,000/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 →
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 →
- Alternative Care program (home & community services for 65+)State · Minnesota$1,000–$15,000/yrService valueOfficial source →
- Elderly Waiver (home & community-based services)State · Minnesota$5,000–$30,000/yrService valueOfficial 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 Programs (QMB / SLMB / QI)State · Minnesota$2,100–$5,200/yrPremium savingsOfficial 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 →
Tax Relief
- Federal Credit for the Elderly or the Disabled (IRS Schedule R)Federal$0–$1,125/yrLower billsOfficial source →
- Homestead Credit Refund (Homeowner's Property Tax Refund)State · Minnesota$100–$3,500/yrLower billsOfficial source →
- Senior Citizens Property Tax DeferralState · Minnesota$200–$2,000/yrLower billsOfficial source →
- Renter's Credit (Property Tax Refund for Renters)State · Minnesota$100–$2,720/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 →
- MDVA Soldiers Assistance Program (veterans financial help)State · Minnesota$500–$5,000/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.