Senior benefits in Cumberland County, Tennessee
Seniors aged 65 and older living in Cumberland County, Tennessee have access to a wide range of benefit programs that can help with everyday needs. The Upper Cumberland Area Agency on Aging & Disability serves as a key local starting point, connecting older adults to Older Americans Act services covering meals, transportation, and more. UCHRA Public Transportation offers senior and disability rides for those who need help getting around the county. Help with home energy costs may be available through the Low Income Home Energy Assistance Program administered locally by UCHRA. Cumberland Medical Center through Covenant Health offers financial assistance for qualifying patients, and the Relative Caregiver Program provides support for families raising relatives' children. State programs such as the Tennessee Property Tax Freeze Program, OPTIONS for Community Living, TennCare CHOICES, and the Tennessee Family Caregiver Support Program may also apply. Dozens of federal programs are available here as well. Each listing on this page includes its official source and the date it was last verified, though the administering agency always makes the final eligibility decision.
5
Local programs
21
Tennessee programs
25
Federal programs
19
Categories
Last verified · September 29, 2026
Local starting point
Upper Cumberland Development District — Area Agency on Aging & Disability (AAAD)
1-931-432-4111
See which of these Cumberland County programs you may qualify for.
Find my benefitsHelping others? Print the Cumberland 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 Cumberland County
Run by the county, its Area Agency on Aging, or another agency serving Cumberland County. Start here.
Caregiver Support in Cumberland County
Relative Caregiver Program (Cumberland County)
CountySupport for grandparents and other relatives who are raising a relative's child because the parents no longer can. The Relative Caregiver Program offers monthly support groups (day and evening) in every Upper Cumberland county, groups and enrichment activities for the children and teens, educational workshops such as CPR classes and summer camps, short-term case management for the whole family, a resource manual of local help, and emergency material and financial assistance for unmet needs when program funds are available. Contact Melissa Allison at 931-476-4127 or mallison@ucdd.org.
Elder Services in Cumberland County
Programs here typically provide services worth $1,500–$6,000 a year to an eligible household.
Upper Cumberland Area Agency on Aging & Disability — Older Americans Act Services (Cumberland County)
CountyThe Upper Cumberland Area Agency on Aging & Disability, part of the Upper Cumberland Development District, serves older adults and adults with disabilities in Cumberland County. Help includes home-delivered and congregate meals, in-home and homemaker services, family caregiver support and respite, SHIP Medicare counseling, options counseling and long-term-care help, the CHOICES and OPTIONS programs, and legal help. Adults age 60 and over, and adults with disabilities, can call the aging and disability line at 931-432-4111, or the toll-free information and assistance line at 1-866-836-6678, to learn what local help is available.
Estimated service value: $1,500–$6,000 a year
Energy Assistance in Cumberland County
Programs here typically lower an eligible household's bills by $174–$750 a year.
Low-Income Home Energy Assistance (LIHEAP) — Cumberland County
CountyThe Low-Income Home Energy Assistance Program (LIHEAP) helps eligible households in Cumberland County pay heating and cooling bills and handle energy emergencies. In the Upper Cumberland region LIHEAP is funded by the Tennessee Housing Development Agency (THDA) and delivered by the Upper Cumberland Human Resource Agency (UCHRA). Payments average a few hundred dollars a year and are paid toward the energy bill. Households with an older adult (60+) or a person with a disability are encouraged to apply early. Apply through the UCHRA Community Services office at 931-528-1127, or dial 2-1-1 for the nearest intake site.
Estimated bill savings: $174–$750 a year
Healthcare in Cumberland County
Cumberland Medical Center (Covenant Health) — Financial Assistance (Cumberland County)
CountyCumberland Medical Center in Crossville, part of the Covenant Health system, is the main hospital for Cumberland County. Its financial assistance (charity care) program gives free or discounted care to patients who cannot pay in full. Households with income and assets up to 200% of the federal poverty level may receive a 100% discount, and those between 200% and 300% may receive a 90% discount. Call the Financial Counselors at 931-459-7281 (or Covenant Health financial assistance at 865-374-3000) to request an application.
Estimated bill savings: about $0 a year
In this county: Free or discounted care is based on household income and assets measured against the federal poverty level under Covenant Health's financial assistance policy. The hospital makes the final determination. Not legal or financial advice.
Transportation in Cumberland County
Programs here typically provide services worth $200–$1,200 a year to an eligible household.
UCHRA Public Transportation — Senior & Disability Rides (Cumberland County)
CountyUCHRA Public Transportation, run by the Upper Cumberland Human Resource Agency, provides public transit across the 14-county Upper Cumberland region, including Cumberland County. Rides go to medical appointments, shopping, senior centers, and other daily needs, and wheelchair-accessible vehicles are available. Anyone can ride: in-county trips are $2 per person one-way (out-of-county fares depend on how many counties you cross), with discounted fares for seniors age 60 and over, veterans, and people with disabilities. Call 1-833-828-7477 (or the UCHRA Cumberland County office, Office: (931) 456-0691) to confirm eligibility or schedule a ride.
Estimated service value: $200–$1,200 a year
Local agencies serving Cumberland 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.
Upper Cumberland Development District (UCDD), Housing & Family Services
Upper Cumberland Development District
Upper Cumberland Human Resource Agency (UCHRA)
Cumberland Medical Center
Upper Cumberland Human Resource Agency (UCHRA) Public Transportation
Tennessee and federal programs
Open to eligible households in Cumberland County and across the rest of Tennessee. Full details are on the Tennessee benefits page.
Caregiver Support
- Tennessee Family Caregiver Support ProgramStateabout $0/yrService valueOfficial source →
Employment
- Senior Community Service Employment Program (SCSEP)Federal$15,000–$17,000/yrCashOfficial source →
Energy Assistance
- Tennessee Low Income Home Energy Assistance Program (LIHEAP)State$174–$750/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
- TennCare Medicaid — Aged, Blind & DisabledState$4,000–$30,000/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 →
- Tennessee State Health Insurance Assistance Program (SHIP) — Medicare CounselingStateabout $0/yrLower billsOfficial source →
Home Care
- Tennessee Family Support ProgramState$0–$6,000/yrService valueOfficial source →
- OPTIONS for Community Living (Non-Medicaid In-Home Support)Stateabout $0/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 →
Housing Assistance
- Tennessee Emergency Repair Program (THDA) — grants for older and disabled homeownersState$500–$24,999/yrService valueOfficial 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 →
- TennCare CHOICES — Long-Term Services & SupportsState$10,000–$80,000/yrService valueOfficial source →
- PACE — Program of All-Inclusive Care for the Elderly (Tennessee)State$10,000–$80,000/yrService valueOfficial source →
- Tennessee State Veterans' Homes (Long-Term Care)StateOfficial 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 (Tennessee) — QMB / SLMB / QIState$2,100–$8,000/yrPremium savingsOfficial source →
Nutrition
- Tennessee Senior Farmers' Market Nutrition Program (SFMNP)Stateabout $40/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 →
- Tennessee Public Guardianship for the Elderly — Court-Appointed Conservator of Last ResortStateabout $0/yrService valueOfficial source →
- Tennessee State Veterans Cemeteries (No-Cost Burial Benefits)StateOfficial source →
- Tennessee Department of Veterans Services Claims Assistance (Free VA Claims Help)StateOfficial source →
- Tennessee Disabled Veteran Hunting & Fishing License ($10 One-Time, Permanent)StateOfficial source →
Tax Relief
- Federal Credit for the Elderly or the Disabled (IRS Schedule R)Federal$0–$1,125/yrLower billsOfficial source →
- Tennessee County Motor Vehicle Privilege Tax Exemption for Disabled VeteransStateOfficial source →
- Tennessee Property Tax Relief for Disabled Veteran HomeownersState$875–$1,225/yrLower billsOfficial source →
- Tennessee Property Tax Freeze ProgramState$50–$800/yrLower billsOfficial source →
- Tennessee Property Tax Relief ProgramState$100–$1,200/yrLower billsOfficial source →
Transportation
- MyRide TN — Volunteer Senior TransportationStateabout $0/yrService valueOfficial 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.
