Common Questions and Concerns

It’s natural to have questions when exploring new financial territory. Here are answers to some of the most common concerns seniors have about applying for government benefits.

Will receiving these benefits affect my Social Security payments?

In almost all cases, the answer is no. Benefits like SNAP, LIHEAP, Medicare Savings Programs, and Extra Help are not considered income for Social Security purposes and will not reduce your monthly Social Security check. The one exception is Supplemental Security Income (SSI), which is a different program from Social Security retirement benefits. SSI is a needs-based program, and other income and benefits can affect your SSI payment amount. But for your standard Social Security retirement or disability benefits, you do not need to worry.

I own my home. Does that mean I won’t qualify for help?

This is a very common misconception. For most benefit programs, the value of your primary residence is not counted as an asset when determining your eligibility. The same often applies to your primary vehicle. These programs are designed to help people who may be “house rich but cash poor”—that is, you own a valuable asset but have a limited monthly income to pay for your living expenses. So, being a homeowner should absolutely not stop you from looking into programs like SNAP, LIHEAP, or MSPs.

Is it worth applying if I think my income is just over the limit?

Yes, it is always worth applying. There are several reasons for this. First, the income limits you see online are often based on gross income (your total income before any deductions). Many programs, however, use your net income, allowing you to deduct certain expenses, such as high medical costs, which could bring you below the threshold. Second, the rules can be complex and can change. The only way to know for sure if you qualify is to submit an application. The worst they can say is no, but if you are approved, the benefits to your budget and well-being can be enormous.

I’m not very comfortable with computers. How can I apply for these benefits?

While many programs offer online applications, they are almost never the only option. You can always apply by mail, by phone, or in person. This is where your Area Agency on Aging is so valuable. They can mail you paper applications or help you complete the process over the phone or in their office. Many local senior centers also offer application assistance. Never let a lack of computer skills prevent you from accessing the support you have earned.