For anyone over 65, or helping a parent who is
Eleven programs that cut bills most people over 65 just keep paying
69 pages. Eleven programs. The real limits, what each pays, and the office that takes the form in your state. Numbers pulled and checked in September 2026.
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Three bills, and the same story behind each one
The heating bill climbs every winter. The drug counter rings up the same three prescriptions. The property tax notice lands each fall.
There is a program for every one of them. Every one is real. Every one has published rules.
And every one waits for a form that nobody mentions.
The eleven programs
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Medicare Savings ProgramsThis one pays your Part B premium. Three levels. Income can start at $1,350 a month for one person.
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Extra Help (Part D)Your drug plan drops to $0. Generic drugs cost no more than $5.10.
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State drug assistanceSome states help again after Part D. Check if yours is one.
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SNAP at 60 and overThe rules get easier at 60. Medical bills over $35 a month come off. No limit on rent or heat.
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LIHEAPHelp with the heating bill. Also cooling, and shut-off notices. SSI or SNAP often counts you in.
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WeatherizationFree work on the home. It cuts the bill every year after. About $372 a year on average.
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Senior property tax reliefAt 65 many homeowners owe less. Nothing happens until you apply.
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Circuit-breaker credits29 states and D.C. Renters can claim in many of them.
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VA Aid and AttendanceUp to $29,093 a year for a veteran. Up to $18,697 for a surviving spouse.
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State unclaimed propertyFree. Five minutes. We give you the real site so you avoid the fee-charging fakes.
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SSI after 65No disability test once you are 65. Just your age. Up to $994 a month, and it unlocks five more on this list.
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What you get
A quick look inside
These are the three kinds of pages you will use most.
Short questions point you toward the programs worth checking first.
Each program puts the important number and next step together.
Use the state listing to find who to call.
How it works
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Take the 10-minute check firstA few questions up front. They point you to the two or three programs worth your time.
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Find your stateEvery program shows the 2026 limits and what it pays. Then it names the office near you.
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Collect your papers one timeThe same handful of documents covers most of them. The tracker keeps it all in one place.
How this was put together
The income limits and benefit amounts in this guide were checked against the agencies that run the programs.
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The sources are namedMedicare and CMS for the premium and the savings programs. Social Security for Extra Help. USDA for food benefits. The Energy Department for weatherization. The VA for Aid and Attendance.
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Every figure is datedAll limits and dollar amounts were pulled and checked in September 2026. The date is printed in the guide.
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The directory was checkedState office web addresses were tested one by one. Phone numbers were matched against federal directories and agency sites.
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We say what it cannot doIt will not apply for you. It cannot promise any office will say yes. And every program in it is free to apply for.
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It is kept currentMost limits change each January. SNAP changes in October. The 2027 edition comes to you free.
Published by Main Street Dollars.
The State Benefits Pack
Choose your state at checkout and you can add a separate, state-specific action pack. It goes beyond the nationwide guide with the current state limits, state-only programs, property-tax deadlines, direct phone numbers and simple call scripts.
- More than a dozen pages for the state you choose
- A separate PDF delivered with the three core files
- Completely optional; the main guide still works on its own
You see the exact state name and price before you pay. The box starts unchecked.
30-day money-back guarantee
Not useful? Reply to your receipt within 30 days. You get the money back, no questions asked. The download links stop working.
30-day refund — reply to the receipt
One month of the Part B premium is $202.90. The guide is $47.
Questions
Does buying this apply for me?
No. It is a guide. You send in the form yourself. Applying never costs money.
Is all this free somewhere else?
Yes. Every source is a government page, and we link them all. They sit on about forty different sites though, each with its own rules and forms.
Is this financial advice?
No. It explains rules that are already public. It does not tell you what to do with your money. Nobody can promise what an office will decide.
What about next year’s numbers?
Most change in January. SNAP changes in October. You get the 2027 edition free.
What if it does not help me?
Reply to your receipt within 30 days and we send the money back. No questions. The links stop working.
30-day refund — reply to the receipt
Instant download · PDF
We are not part of the government. We do not work for Social Security, Medicare, the VA or the IRS, and none of them endorse this. Every program in the guide is free to apply for. This is a guide, not financial, legal or tax advice. Each office decides your case after you apply. Figures checked against government sources in September 2026.
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