This program helps unpaid caregivers of older adults, people with dementia of any age, people with disabilities, and older adults who are raising minor children. It offers access to resources and services, counseling, caregiver and dementia education, support groups, respite care (a break from caregiving), and assistive supplies. There is no low-income requirement. Contact your local Area Agency on Aging to apply, or call the Division of Aging and Adult Services at 801-538-3910.

Estimated service value: $0–$3,000 a year

Utah's State Health Insurance Assistance Program (SHIP) gives local, in-depth, and objective insurance counseling and help to people who have or will soon have Medicare, and to their families and caregivers. Call 800-541-7735 or contact your local Area Agency on Aging.

Estimated service value: $100–$2,000 a year

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, whichever is highest. 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 state, though slot availability and the host-site mix vary by grantee.

Estimated cash: $15,000–$17,000 a year

HEAT is Utah's Low-Income Home Energy Assistance Program (LIHEAP). It gives eligible households a one-time payment each program year to help with home energy costs. To qualify, total household income must be at or below 150% of the Federal Poverty Level, the household must be responsible for paying its home energy costs, it must have at least one adult, and at least one person must be a U.S. citizen or qualified non-citizen. The monthly income limits (effective March 1, 2026) are $1,995 for 1 person, $2,705 for 2, $3,415 for 3, $4,125 for 4, $4,835 for 5, $5,545 for 6, $6,255 for 7, and $6,965 for 8 (add $710 for each extra person). The program year runs October 1 to September 30, or until federal LIHEAP funds run out. Households with someone who is disabled, age 60 or older, or a child under 6 can apply starting October 1; other households can apply starting November 1. The payment is based on income, energy costs, and household members; households with someone 60 or older or disabled get an extra $150, and households heating mainly with propane get another $150. Apply online through myCase or through your local HEAT office. If you face a shut-off, ask your local HEAT office about crisis help.

Estimated bill savings: $250–$800 a year

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.

Estimated service value: $1,000–$2,500 a year

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. To apply, contact your state CSFP agency; it can tell you whether boxes are handed out where you live.

Estimated service value: $240–$600 a year

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.

Estimated service value: $1,500–$4,000 a year

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 SNAP because it lets recipients buy farmers'-market produce that traditional grocery-store benefits don't always cover well.

Estimated cash: $35–$50 a year

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 most states have no asset limit at all (where one applies, it is $4,750 for these households). 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.

Estimated cash: $280–$2,400 a year

SNAP (formerly food stamps) gives a monthly benefit on an EBT card to help buy food. Workforce Services looks at your household's income and resources. Most households must pass a gross income test (usually up to 130% of the poverty level) and a net income test, but if someone in the household is 60 or older or receives certain disability payments, the household only has to meet the net income test (after deductions such as part of your rent and certain expenses). Households with at least one person who is 60 or older or disabled can have up to $4,500 in countable resources, such as money in the bank; most other households can have up to $3,000. Cars and other vehicles are usually not counted. As of October 1, 2026, the maximum monthly benefit is $306 for 1 person and $562 for 2. People who are elderly or have a disability and no earned income may be approved for three years at a time under the Elderly Simplified Application Process. Apply online at jobs.utah.gov/mycase, at an employment center, or call 801-526-0950 or toll free 866-435-7414 to ask for a paper application. Benefits start on the day you apply.

Estimated cash: $300–$3,672 a year

Utah's Aged, Blind or Disabled Medicaid programs are medical assistance programs for people who are 65 or older, blind, or disabled, and who have low income and limited resources. You must also meet Utah residency, income, and citizenship rules. People who get SSI or Social Security Disability benefits meet the disability condition; if you do not get those benefits, the State Medicaid Medical Review Board may make a disability decision. If your monthly income is over the Medicaid limit, you may still qualify through the Spenddown (Medically Needy) program, where you pay the amount over the limit to the state or toward medical bills. Most Medicaid programs can also cover medical care for up to three months before the month you apply. Apply online through myCase, by mail, by fax, or at any DWS office. For help applying, call DWS at 801-526-0950 in Salt Lake County or toll free 1-866-435-7414.

Estimated service value: $2,000–$15,000 a year

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.

Estimated bill savings: $3,000–$15,000 a year

Community health centers are local clinics funded or approved by the federal Health Center Program. They offer medical, dental, mental health, and substance use care, and many have discounted pharmacies and help with rides. Every health center must lower its fees based on your income and family size. If your yearly household income is at or below the federal poverty level, your visit is free or costs only a small flat fee. If your income is between 100% and 200% of the poverty level, you pay a reduced fee on a sliding scale. Health centers must serve everyone, even people who cannot pay, and you can use one whether or not you have insurance. If you have Medicare or other insurance, the health center cannot charge you more out of pocket than the sliding fee would. Services differ from center to center, so call ahead to ask what your nearest center offers.

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).

Estimated bill savings: $5,000–$20,000 a year

The Aging Waiver is a Utah Medicaid home and community-based services waiver that helps adults 65 and older stay in their homes or other community settings instead of a nursing home. To qualify you must be 65 or older, need nursing facility level of care, and meet Medicaid financial eligibility rules. Services may include adult companion services, adult day health, case management, chore and homemaker services, emergency response systems, home changes for accessibility, home-delivered meals, medication reminders, personal attendant services, respite care, medical equipment, and non-medical transportation. The waiver serves a limited number of people, and you get only the services you are assessed as needing. Contact your local Area Agency on Aging to start, or call the Division of Aging and Adult Services at 801-538-3910.

Estimated service value: $2,000–$20,000 a year

The New Choices Waiver is a Utah Medicaid waiver for people who live long term in a nursing facility, licensed assisted living facility, licensed small health care (Type N) facility, or another Utah licensed medical institution (except institutions for mental disease). It helps them move into a home or other community setting if they wish and if their needs can be safely met there. Participants must meet nursing facility level of care when they apply and the whole time they are in the program. Once enrolled, they can get an expanded package of supportive services through Medicaid based on their assessed needs, along with a case management agency they choose. People who do not currently live in one of these facilities cannot apply, and there is a minimum length of stay in each type of setting. Apply online (a UtahID account is needed) or contact the New Choices Waiver Program at 801-538-6155, option 6, from the Salt Lake City area, or 800-662-9651, option 6, from elsewhere.

Estimated service value: $2,000–$20,000 a year

The Home and Community Based Alternatives Program is for low-income aging adults who need in-home services planned around their needs, to help them stay in their own home and keep their independence. It is run through local Area Agencies on Aging and is separate from Medicaid. Contact your local Area Agency on Aging to ask about an assessment, or call the Division of Aging and Adult Services at 801-538-3910.

Estimated service value: $500–$5,000 a year

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.

Estimated bill savings: $8,000–$20,000 a year

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.

Estimated bill savings: $5,000–$15,000 a year

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. Some states add a State Supplementary Payment (SSP) on top of the federal benefit — in California that adds several thousand dollars a year. SSI is also a gateway: it can automatically open the door to Medicaid, SNAP, and Extra Help.

Estimated cash: $11,928–$17,892 a year

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.

Estimated service value: $6,000–$40,000 a year

Utah has four state veterans nursing homes for veterans who need long-term care. The Utah Department of Veterans and Military Affairs oversees them, and a contracted private health care provider runs them day to day. In general, a veteran can be admitted if they served on active duty or deployed while serving in the reserves. Care is free for veterans with a service-connected disability rating of 70% or higher. For veterans with no service-connected disability or a rating under 70%, the VA helps pay with a per diem of about $120 a day. Spouses of veterans and Gold Star Parents can also be admitted, but the VA does not cover or help pay for their care. The homes are: William E. Christoffersen Salt Lake Veterans Home, 700 S. Foothill Drive, Salt Lake City (801-584-1900); George E. Wahlen Ogden Veterans Home, 1102 North 1200 West, Ogden (801-334-4300); Mervyn Sharp Bennion Central Utah Veterans Home, 1551 North Main Street, Payson (801-465-5400); and Southern Utah Veterans Home, 160 N. 200 E Street, Ivins (435-634-5220). Contact the home you are interested in to ask about admission.

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.

Estimated premium savings: $4,000–$5,300 a year

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 Medicaid — anyone already receiving Medicaid benefits is not eligible for QI, but Medicaid typically covers the Part B premium directly instead.

Estimated premium savings: about $2,435 a year

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.

Estimated premium savings: $2,435–$3,500 a year

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.

Estimated premium savings: about $2,435 a year

Utah has three Medicare cost-sharing programs for people with Medicare Part A and low income. The Qualified Medicare Beneficiaries (QMB) program pays Medicare Part B premiums, deductibles, and Part A and Part B co-payments, and can also pay Part A premiums. The Specified Low-Income Medicare Beneficiaries (SLMB) program pays the Part B premium only, for people with income above 100% and not more than 120% of the Federal Poverty Level. The Qualifying Individual (QI) program pays the Part B premium for people with income above 120% and not more than 135% of the Federal Poverty Level who are not on Medicaid; QI funds are limited each calendar year. About three months after you qualify, the state starts paying your Part B premium and your Social Security check goes up, and Social Security pays you back for months a premium was taken out. Apply through the Department of Workforce Services online at myCase, by mail, by fax, or at a DWS office, or call 801-526-0950 in Salt Lake County or toll free 1-866-435-7414.

Estimated premium savings: $2,400–$5,000 a year

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.

Estimated service value: $1,000–$5,000 a year

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.

Estimated service value: $500–$3,000 a year

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.

A Utah resident with a service-connected disability of 20% or greater can buy a discounted hunting, fishing, or combination license from the Utah Division of Wildlife Resources. You must show verification of the disability: an official letter, statement, or card from the U.S. Department of Veterans Affairs or a branch of the Armed Forces that says your service-connected disability rating is 20% or higher. Once you are approved and buy your first discounted veteran license, you can renew or buy it again at the discounted rate without reapplying. For questions, call the Division of Wildlife Resources at 801-538-4700.

The Utah Department of Veterans and Military Affairs offers free help to veterans and their family members with claims, applications, and appeals to the VA, such as disability compensation, pension, and Aid and Attendance. Its Veteran Service Officers are trained and accredited by the VA to represent Utah veterans when filing claims and during appeals. You can meet with a Veteran Service Officer in person, by phone, or by video. Find a regional office or call the main office at 801-326-2372. Accredited representatives from Disabled American Veterans (801-326-2375), the American Legion (801-326-2380), and Veterans of Foreign Wars (801-326-2385) can also help.

The Utah Veterans Cemetery and Memorial Park is a state-run cemetery at 17111 South Camp Williams Road in Bluffdale. It is a burial ground for veterans, their spouses, and dependent children. There are no fees for a veteran's burial; there is a small fee for burying an eligible veteran's spouse or dependent child. Options include in-ground urn burial, niches in a granite columbarium, and a Memorial Garden for scattering ashes. To arrange a burial, choose any funeral home or mortuary and bring the veteran's DD-214 or other military discharge papers; the mortuary sends the DD-214 to the cemetery and reserves a date for the service. You can also call the cemetery at 801-254-9036. The office is open Monday to Friday, 9:00 a.m. to 4:30 p.m.

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.

Estimated bill savings: $0–$1,125 a year

Utah's Homeowner's Credit, often called the Circuit Breaker, lowers property tax for homeowners with low income. To qualify you must own and live in your home (including a manufactured home), have owned it the entire calendar year, have lived in Utah the entire year, and have 2025 total household income less than $44,221. You must also meet one of these: you qualified for the credit in 2025, you are at least 67 years old, or you are an unmarried surviving spouse. Up to $1,412 of property tax can be abated, based on income, plus an additional credit equal to the tax on 20 percent of the home's fair market value. Complete an application and submit it to your county government by September 1. You must be able to prove Utah residency and household income, and be a U.S. citizen or legally present. Renters 66 and older have a separate Renter Credit through the Utah State Tax Commission.

Estimated bill savings: $100–$1,412 a year

Utah exempts part of the taxable value of the home of a veteran disabled in military service with a service-connected disability rating of at least 10 percent. The veteran's unmarried surviving spouse or minor orphans can also qualify. The exemption is up to $535,459 of taxable value of a residence, based on the percentage of disability incurred in the line of duty and on the unemployability classification. It can also be applied to tangible personal property such as motor vehicles. No exemption is allowed for a disability below 10 percent. There is no income or age limit, and U.S. citizenship is not required for this exemption. An application with proof of military service and proof of disability (or death) must be on file with the county where the property is located.

Estimated bill savings: $100–$4,000 a year

Utah counties can lower or delay property tax for homeowners with low income. The Low-income (indigent) Abatement is granted by your county's legislative body. To qualify you must own and live in your home (including a manufactured home) for at least 10 months, have 2025 income less than $44,221, and either have qualified for the credit in 2025, be at least 67 years old, or show a disability or extreme hardship. The abatement is 50 percent of the total tax for the current year or $1,412, whichever is less. Counties may also offer low-income deferral programs that let you delay paying property taxes; interest builds up but no late penalties are charged during the deferral. Under the Mandatory Senior Deferral Program, homeowners 75 or older with 2025 total household income not more than $88,442 who meet other rules can defer taxes on their single-family primary home each year they apply. File with your county by September 1 each year.

Estimated bill savings: $100–$1,412 a year

Utah's Renter Credit (part of the Circuit Breaker program) helps renters with low income, including manufactured homeowners who rent a lot. To qualify, your 2025 total household income must have been less than $44,221, you must have been a Utah resident for the entire year, and you must be at least 66 years old or an unmarried surviving spouse. A credit of up to $1,412 is available, based on income and a percentage of rent paid. Apply online at tap.utah.gov (click "File your current renter's credit") or send form TC-90CB to the Utah State Tax Commission, 210 N 1950 W, Salt Lake City UT 84134, by December 31. You must be able to prove Utah residency and household income. For help, call the Tax Commission at 801-297-6254 or 1-800-662-4335 ext 6254.

Estimated bill savings: $100–$1,412 a year

Two Utah income tax credits can lower state income tax for retirees. The Social Security Benefits Credit (code AH on form TC-40A) is for people with taxable Social Security benefits on their Utah return. The Retirement Credit (code 18) is up to $450 per person ($900 for a couple when both qualify) for people born on or before Dec. 31, 1952. Both credits shrink as income goes up, and you may not claim both: if you take the Social Security Benefits Credit or the Military Retirement Credit, you cannot take the Retirement Credit. The credits cannot lower your tax below zero. Claim them on form TC-40A with your Utah income tax return.

Estimated bill savings: $100–$1,500 a year

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, SNAP, 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.

Estimated bill savings: $111–$411 a year

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. Households that get weatherized save an average of $372 or more a year on energy bills, according to the Department of Energy. 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.

Estimated service value: $3,000–$8,000 one-time

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.

Estimated cash: $12,000–$34,488 a year