Senior benefits in Humphreys County, Tennessee

This program helps family and unpaid caregivers with counseling and support groups, caregiver training, respite care, personal care, homemaker services, and adult day care. It serves caregivers of adults age 60 and over, caregivers of adults with Alzheimer's or a related disorder (any age), and grandparents or relatives 55+ raising a minor child. Contact your Area Agency on Aging & Disability.

The Greater Nashville Area Agency on Aging and Disability serves older adults age 60 and older, adults with disabilities, and family caregivers in Humphreys County. Services include congregate and home-delivered meals, family caregiver support and respite, SHIP Medicare counseling, options counseling for long-term care, the long-term care ombudsman, the OPTIONS in-home services program, and public guardianship. Call the Information and Assistance line to learn what is available locally.

$1,000–$6,000/yr

SCSEP places low-income job seekers age 55 and older into paid part-time community service assignments at nonprofits and public agencies — schools, libraries, food pantries, senior centers, parks departments, and similar host sites. Participants typically work 20 hours per week and earn at least the federal, state, or local minimum wage (in California, $16.50/hour in 2026, which works out to roughly $17,000 per year before taxes). The placement is paired with skills training, computer literacy, resume help, and one-on-one coaching aimed at moving the participant into unsubsidized employment within the broader job market. SCSEP is administered nationally by the Department of Labor and locally by AARP Foundation, the National Council on Aging, Goodwill, the National Caucus and Center on Black Aging, and state agencies; coverage exists in every California county though slot availability and the host-site mix vary by grantee.

$15,000–$17,000/yr

LIHEAP helps Tennessee households pay heating and cooling utility bills, with extra help in an energy crisis. Eligibility is based on income at or below 60% of the State Median Income — in federal fiscal year 2026 that is about $32,053/year for one person, $41,915 for two, $51,778 for three, and $61,641 for a household of four (higher for larger households). Benefits range from about $174 to $750. Apply online through the agency that serves your county.

$174–$750/yr

Tennessee's Low-Income Home Energy Assistance Program (LIHEAP) helps pay heating and cooling costs for income-eligible households. In Humphreys County, LIHEAP is delivered by Highland Rim Economic Corporation. Households with an older adult (60+) or a person with a disability get priority. Apply through Highland Rim Economic Corporation, and call 2-1-1 Tennessee for referral help. The Tennessee Housing Development Agency (THDA) administers the program statewide.

$300–$1,500/yr

CSFP gives low-income adults 60 and older a free monthly box of nutritious USDA foods — items like canned fruits and vegetables, juice, cereal, pasta, peanut butter, canned protein, and cheese. It's meant to round out the diet, not replace all groceries. You qualify at 60 or older with household income at or below 130% of the federal poverty level. CSFP operates in most (but not all) states and tribal areas, and some local sites keep a waiting list when boxes are full.

$240–$600/yr

Funded under Older Americans Act Title III-C1 and run locally by Area Agencies on Aging, the Congregate Nutrition Program serves hot meals to seniors age 60 and older at senior centers, community centers, places of worship, and similar gathering sites. Most sites serve lunch on weekdays; some serve dinner or weekend meals as well. There is no income test. A voluntary contribution (typically $2–$4 per meal) is suggested but never required, and no senior is turned away for inability or unwillingness to contribute. Beyond the meal itself, sites typically offer health screenings, nutrition counseling, social activities, transportation assistance, and a built-in social network that reduces the isolation that contributes to depression and accelerated cognitive decline in older adults.

$1,000–$2,500/yr

Federally authorized under the Older Americans Act and locally operated by Area Agencies on Aging and Meals on Wheels affiliates, the Home-Delivered Meals Program brings hot or frozen meals — typically five to seven per week — to seniors age 60 and older who are homebound or have difficulty preparing meals safely on their own. There is no income test; the program is open to all qualifying seniors regardless of wealth. A voluntary contribution is suggested (a few dollars per meal) but never required, and no senior is turned away for inability or unwillingness to pay. Beyond the meals themselves, the daily home visit functions as a wellness check — drivers are trained to notice changes in health, mood, or living conditions and to alert local care coordinators when something looks wrong.

$1,500–$4,000/yr

SFMNP gives low-income seniors annual vouchers — roughly $40 per eligible person in California in 2026 — to buy fresh, unprepared, locally-grown fruits, vegetables, herbs, and honey at participating farmers' markets, roadside stands, and community-supported agriculture (CSA) programs. The federal program is funded by USDA and distributed locally by the California Department of Food and Agriculture through county and nonprofit partners (food banks, area agencies on aging, senior centers). Vouchers are typically distributed once per year between May and October. SFMNP is small in dollar value relative to other senior benefits but pairs well with CalFresh because it lets recipients buy farmers'-market produce that traditional grocery-store benefits don't always cover well.

$35–$50/yr

SNAP (formerly food stamps) puts money on a card each month to buy groceries. Households with a member who is 60 or older (or who has a disability) get special rules: only the net-income test applies, medical expenses over $35 a month can be deducted, and the countable-asset limit is higher at $4,500. Many seniors who assume they earn too much still qualify once those deductions are counted. Benefits average well over $1,000 a year for a single senior. You apply through your state's SNAP office; many states offer a simplified application for seniors.

$280–$2,400/yr

TennCare is Tennessee's Medicaid program. The Aged, Blind & Disabled (ABD) category covers people who are 65 or older, blind, or disabled, with low income. In 2026 the income limit is $994/month for one person and $1,491/month for a couple, with a resource limit of $2,000 (one person) or $3,000 (couple). People who receive SSI are enrolled automatically. Apply through TennCare Connect.

$4,000–$30,000/yr

CHAMPVA is the VA's health-care program for spouses, surviving spouses, and dependent children of veterans who are rated 100% permanently and totally disabled from a service-connected condition, who died of a service-connected condition, or who died on active duty. CHAMPVA shares the cost of covered services — inpatient and outpatient care, prescriptions, durable medical equipment, mental health, and skilled nursing care — typically paying 75% of the VA-allowable amount after a small annual deductible. Once a beneficiary becomes Medicare-eligible at 65, CHAMPVA functions as a secondary payer that picks up most of what Medicare doesn't cover, including Part B coinsurance and many Part D-equivalent prescriptions. CHAMPVA is administered out of the VA Health Administration Center in Denver and is separate from TRICARE; a person eligible for TRICARE cannot use CHAMPVA.

$3,000–$15,000/yr

SHIP provides free, unbiased, one-on-one Medicare counseling to anyone with Medicare and to their families and caregivers. A trained SHIP counselor — not a salesperson and not paid on commission — will sit down with you to compare Original Medicare, Medicare Advantage, Part D drug plans, and Medigap policies, sort out enrollment deadlines and late-enrollment penalties, untangle a denied claim or an appeal, and check whether you qualify for cost-saving programs like the Medicare Savings Programs or Extra Help. There is no income test and the service is always free. SHIP is run by the federal Administration for Community Living and delivered through a local office in every state — in California it is called HICAP, in Florida it is called SHINE — so the counselor knows both the national rules and the local plans available where you live.

VA Health Care covers primary care, specialty care, mental health, hospital stays, prescriptions, and preventive services at the nationwide network of VA medical centers and community-based outpatient clinics. Most veterans with an other-than-dishonorable discharge are eligible to enroll. After enrollment the VA assigns the veteran a Priority Group (1 through 8) based on service-connected disability rating, special circumstances (former POW, Purple Heart, catastrophic disability), and income relative to the geographic-means-test threshold. Priority Groups 1 through 5 receive most care at no cost; higher priority groups pay copays that are still well below typical Medicare and private-insurance cost-sharing. VA Health Care does not replace Medicare for most senior veterans — most enroll in both — but it can substantially reduce out-of-pocket costs for care received at VA facilities, especially prescriptions ($0–$11 per fill versus typical Medicare Part D copays).

$5,000–$20,000/yr

Tennessee's SHIP gives free, unbiased Medicare counseling to Medicare-eligible Tennesseans, their families, and caregivers. Counselors help compare Original Medicare, Medicare Advantage, and Part D drug plans, understand Medigap, and enroll in programs that lower Medicare costs. Counselors do not sell or endorse any plan. Call 1-877-801-0044.

Ascension Saint Thomas Three Rivers in Waverly is the hospital in Humphreys County. Ascension is committed to caring for all patients regardless of ability to pay and offers financial counseling and charity care for emergency and medically necessary services. Ask the hospital's billing office for a financial assistance application, or apply through Ascension's financial assistance program.

OPTIONS is Tennessee's state-funded (non-Medicaid) home and community based services program. It provides homemaker services, personal care, and home-delivered meals to help adults with physical or cognitive disabilities stay in their own home. There is no income limit — a sliding fee based on income applies. Contact your Area Agency on Aging & Disability.

The Housing Choice Voucher program (commonly called Section 8) helps very-low-income households rent housing in the private market. The household generally pays about 30% of its adjusted income toward rent and the voucher covers the rest, up to a local payment standard, so housing cost scales to income instead of market rent. Unlike Section 202, a voucher is not tied to one building — it can be used at any rental whose owner accepts it and that meets program rent and quality standards, and in California source-of-income discrimination law requires most landlords to consider voucher holders. Vouchers are administered by local Public Housing Agencies, each with its own waiting list; many California PHAs maintain senior or senior/disabled preference categories. The benefit is large in high-rent California markets, but voucher waiting lists are among the longest of any benefit — frequently 5 to 10+ years, and many are closed except during brief lottery openings.

$8,000–$20,000/yr

Section 202 funds nonprofit-owned apartment communities built specifically for low-income seniors age 62 and older, paired with on-site supportive services (a service coordinator, transportation, meal programs, light housekeeping referrals) designed to let residents age in place. Residents generally pay 30% of their adjusted income toward rent and HUD covers the rest, so the out-of-pocket housing cost scales down with income rather than tracking market rent. For a low-income senior in a high-rent California market this is one of the largest single dollar-value benefits available — but Section 202 properties are individually owned, have limited units, and almost always carry multi-year waiting lists, so it is best understood as something to get on the list for now rather than a benefit that starts quickly.

$5,000–$15,000/yr

SSI is a federal monthly cash benefit for people 65 and older (or blind / disabled at any age) with very limited income and resources. It's a separate program from Social Security retirement — you can qualify for SSI even if you never worked enough to get Social Security, and many people qualify for both. In California, SSI recipients also get the State Supplementary Payment (SSP) on top, which adds several thousand dollars a year to the federal benefit. SSI is also a gateway: it can automatically open the door to Medi-Cal, CalFresh, and Extra Help.

$11,928–$17,892/yr

PACE provides all the medical and long-term care an older adult needs to keep living at home instead of moving to a nursing home — doctors, prescriptions, adult day health, in-home aides, therapy, and transportation, all coordinated by one team. To join you must be 55 or older, live in a PACE organization's service area, need a nursing-home level of care (certified by the state), and be able to live safely in the community with PACE's help. For people who have both Medicare and Medicaid, PACE is usually free; others may pay a monthly premium.

$6,000–$40,000/yr

TennCare CHOICES is Tennessee's Medicaid long-term-care program. It pays for nursing-home care and home & community based services (personal care, home care, adult day care) for older adults (65+) and adults with physical disabilities (21+) who need a nursing-home level of care, so many can stay in their own home. In 2026 income can't be more than $2,982/month and countable assets can't be more than $2,000 (your home doesn't count). Apply through your Area Agency on Aging & Disability.

$10,000–$80,000/yr

PACE provides all the medical and supportive care a frail older adult needs to keep living in the community instead of a nursing home — doctors, prescriptions, therapy, adult day care, transportation, and in-home help — coordinated by one team. To join you must be 55 or older, need a nursing-home level of care, and be able to live safely in the community. In Tennessee, PACE is offered by Alexian PACE and is available ONLY in Hamilton County (Chattanooga).

$10,000–$80,000/yr

Extra Help (also called the Part D Low-Income Subsidy or LIS) lowers your prescription drug costs under Medicare Part D. It can pay your Part D premium, cap copays at a few dollars per prescription, and eliminate the coverage gap. The Social Security Administration estimates Extra Help is worth about $5,300 a year for people who qualify. It's frequently bundled with QMB / SLMB / QI but you can apply independently.

$4,000–$5,300/yr

QI is the top income tier of the Medicare Savings Programs. Like SLMB, it pays the Medicare Part B premium (around $202.90/month, roughly $2,435/year) — but for households whose income is too high for SLMB. Eligibility falls between 120% and 135% of the federal poverty level. QI funding is a federal block grant awarded on a first-come, first-served basis each calendar year, and enrollment must be renewed every year. QI is mutually exclusive with full Medi-Cal — anyone already receiving Medi-Cal benefits is not eligible for QI but typically gets the Part B premium covered by Medi-Cal directly.

$2,400–$2,435/yr

QMB pays your Medicare Part A and Part B premiums, deductibles, coinsurance, and copayments. If you qualify, you should not be billed for any Medicare-covered services. It's the most generous of the four Medicare Savings Programs and is widely under-enrolled — the federal government estimates millions of eligible Americans are not enrolled.

$2,435–$3,500/yr

SLMB pays your Medicare Part B premium (currently around $202.90/month, ~$2,435/year) if your income is too high for QMB but still below 120% of the federal poverty level. It's the middle tier of the Medicare Savings Programs and is widely under-enrolled — when income is just above the QMB cutoff, SLMB usually applies. Asset limits are the same as QMB.

$2,400–$2,435/yr

Medicare Savings Programs help people with Medicare pay their Part B premium, and (at the QMB level) also deductibles, coinsurance, and copays. Tennessee has three levels — QMB, SLMB, and QI — with rising income limits. As currently published, the highest level (QI) reaches $1,761/month for one person and $2,380/month for a couple; the resource limit is $9,950 (one person) or $14,910 (couple). Apply through TennCare Connect.

$2,100–$8,000/yr

This seasonal program gives eligible Tennessee seniors age 60 and older $40 in vouchers (eight $5 checks) to buy fresh, Tennessee-grown produce from authorized farmers, issued in July and August. Household income must be at or below 130% of the federal poverty guidelines. It operates in a limited set of participating counties, so check whether yours takes part.

$40/yr

A Long-Term Care Ombudsman is a free, confidential advocate for anyone who lives in a nursing home, assisted living community, or board-and-care home — and for their family. If you or a loved one is a resident, the Ombudsman will listen to concerns about care quality, safety, dignity, resident rights, billing, or a discharge or eviction notice, and then work directly with the facility to resolve them. They can sit in on care-plan meetings, explain your rights as a resident, and escalate serious problems to state regulators. The service is independent of the facility, costs nothing, and the Ombudsman works only for the resident — never the home. This is the program to call before you tour a facility, when a placement is being arranged, or any time something feels wrong in a current placement.

Title III-E of the Older Americans Act funds support specifically for the family members and informal caregivers who look after an older adult — not the senior, the person caring for them. Through the local Area Agency on Aging, an unpaid family caregiver (an adult child, a spouse, or another relative) of a person 60 and older can access respite care that gives them a break, individual counseling and caregiver support groups, training on safe transfers, medication management and dementia care, information and assistance navigating other programs, and limited supplemental services like consumable supplies or minor home modifications. There is no income test for the caregiver. Caregiver burnout is one of the leading reasons a senior ends up institutionalized, so this program protects both the caregiver's health and the senior's ability to stay home.

$1,000–$5,000/yr

Title III-B of the Older Americans Act funds a broad menu of non-medical supportive services that help seniors age 60 and older stay independent in their own homes and communities. Through the local Area Agency on Aging, eligible seniors can access subsidized or free transportation to medical appointments and grocery stores, homemaker and chore help, personal care, friendly-visitor and telephone-reassurance programs, adult day care, home repair and modification (grab bars, ramps), legal assistance for non-criminal matters like benefits appeals and consumer fraud, and case management to coordinate all of it. There is no income test, though local agencies target services to those in greatest social and economic need and a voluntary contribution may be requested. The same Area Agency on Aging that runs senior meals administers these services, so one phone call opens the door to the whole package.

$500–$3,000/yr

The Senior Medicare Patrol helps people with Medicare — and their families and caregivers — spot, stop, and report Medicare fraud, errors, and abuse. A trained SMP team member will help you read a confusing Medicare Summary Notice or Explanation of Benefits, check whether you were billed for a service or device you never received, recognize the phone and door-to-door scams that target seniors (fake 'new Medicare card' calls, free-brace or free-test schemes), and report anything suspicious to the right investigators. The service is free and available to everyone on Medicare regardless of income. SMP is run by the federal Administration for Community Living and operates a local program in every state. Catching one bogus charge can save you hundreds of dollars and protects the Medicare Trust Fund for everyone.

The Credit for the Elderly or the Disabled is a nonrefundable federal income tax credit, claimed on IRS Schedule R, for taxpayers who are age 65 or older (or who are permanently and totally disabled) and have low income. The maximum credit is $750 for a single filer and up to $1,125 for a married couple (both age 65 or older), but the actual amount is reduced — often to zero — by any nontaxable Social Security benefits and by adjusted gross income above a low threshold. Because the income limits have not been updated since the 1980s, the credit most often produces a real dollar benefit for low-income seniors whose income comes from small pensions or wages rather than Social Security, and for people under 65 retired on permanent disability. It is one of the most under-claimed line items on the senior tax return, in part because the seniors it targets frequently are not required to file at all.

up to $1,125/yr

The Property Tax Freeze Program locks in the property tax amount on the home of a homeowner age 65 or older whose income is at or below a limit set for their county. It is a local-option program — each county or city chooses whether to offer it — and the income limit varies by county (the standard minimum for 2026 is $38,470, higher in some counties, up to a $63,470 local-option tier). Apply each year through your county trustee.

$50–$800/yr

Tennessee's Property Tax Relief Program reimburses part of the property tax paid by low-income homeowners who are 65 or older or disabled (and disabled veterans, with no income limit). For the 2026 program, elderly and disabled homeowners must have had 2025 income of $38,470 or less; relief is calculated on up to $33,600 of the home's market value. Apply through your county trustee after you get your property tax bill.

$100–$1,200/yr

Mid-Cumberland Public Transit, run by the Mid-Cumberland Human Resource Agency (MCHRA), provides curb-to-curb rural public transportation for Humphreys County residents of all ages, giving priority to older adults and people with disabilities. It started as a senior transit service for people age 60 and older and now offers rides for medical appointments, shopping, and services. Call the MCHRA operations center to schedule a ride and confirm the current fare.

$200–$1,500/yr

Federal Lifeline is a Universal Service Fund program that discounts a single phone or internet (or bundled) service line by $9.25 per month for low-income households — and by up to $34.25 per month for residents of qualifying Tribal lands. Eligibility has two paths: an income test (household income at or below 135% of the federal poverty level) and a program-based path (current participation in Medicaid/Medi-Cal, SNAP/CalFresh, SSI, federal public housing assistance, or the Veterans Pension or Survivors Pension Benefit). Either path qualifies the household — both don't have to be met. The federal Lifeline discount is separate from but designed to stack with California LifeLine, so most California seniors who qualify for one will qualify for the other.

$111–$411/yr

WAP funds free home energy upgrades for income-eligible households to reduce energy bills, improve comfort, and address health-and-safety hazards. After a free professional energy audit, local providers install whatever the audit identifies — typically attic and wall insulation, air-sealing, weatherstripping, duct sealing, water-heater wraps, LED lighting, smart thermostats, refrigerator replacement (for very old high-draw units), HVAC tune-ups or replacement, ventilation upgrades, and carbon-monoxide detector installation. Average per-home investment in California ranges from $3,000 to $8,000 depending on the home's condition. WAP is open to homeowners AND renters (rental units require landlord written consent). The program is one-time per home (typically), though homes can sometimes be re-weatherized after 15 years if a new audit identifies additional measures. WAP is funded primarily by the U.S. Department of Energy with additional layered funding from HHS (LIHEAP-Wx) and state utility programs, all delivered by the same local providers.

$3,000–$8,000/yr

Aid & Attendance is a tax-free monthly benefit added on top of the basic VA pension for wartime veterans (or their surviving spouses) who need help with daily activities like bathing, dressing, eating, or managing medications — or who are housebound, in a nursing facility, or have very limited eyesight. The benefit is widely under-claimed because many veterans assume their non-service-connected condition disqualifies them. Eligibility requires the veteran to have served at least 90 days of active duty with at least one day during a recognized wartime period, plus income and net worth below VA limits. VA uses a special income calculation that subtracts unreimbursed medical expenses from gross income before applying the limit — so the income test here is approximate.

$12,000–$34,488/yr