Low Income

Check out the Benefits Checklist; See bottom of the page- how to pay for assisted living


from eHOW

  1. Request a senior discount wherever they are available. You will often find discounts at restaurants, coffee shops and cafes, grocery stores, clothing retailers, recreational activities, museums and movie theaters.
  2. Contact your utility, water, phone and cable companies about possibly getting a senior discount or a discount for being a low-income individual.
  3. Apply for nutritional supplement programs that are there to provide healthy meals to seniors who are not able to pay for nutritious foods. Meals on Wheels and SNAP, the Supplemental Nutrition Assistance Plan formerly known as food stamps, are two such programs.
  4. Apply for benefits that are available to help pay for groceries, utilities, medical expenses, transportation and other bills.


From Seniors Love to Know  
How to retire broke and survive


If you are accustomed to eating steak and seafood several times a week, cut back to only a couple of days each week. Choose foods that are less expensive such as pasta and chicken. You can find many recipes for both of these food items so you still have a variety of flavors to enjoy.  Also take advantage of any programs in your community such as free food from the food bank, free meals from churches or shelters.  Also consider Food Stamps and Meals on Wheels.

Choose Inexpensive Activities (i.e. Free)

Instead of going to an expensive show, look for community theatre or college productions. You could also start going to the movies, renting movies for home viewing or find senior centers that have many free or low-cost activities available.   What free activities does YOUR town offer?

Ask for generic drugs

Whenever your doctor writes you a prescription, ask for the generic of the medication.  Also look at the extra help program "Medicare beneficiaries can qualify for Extra Help with their Medicare prescription drug plan costs. The Extra Help is estimated to be worth about $4,000 per year.

See Consumer Reports article

Want to travel?

I use Youth Hostels - they’re not just for young folks. The young folks actually seem to enjoy talking with me, traveling with me (I have some experience and a car) so don’t think they’ll avoid you. On a budget? Look at the Lonely Planet travel guides for free and inexpensive attractions and low budget lodging.

If you can stand moving, consider Section 8 housing.  Do a search or have your librarian search for "section 8 housing in your state”

Use your skills to earn money

If you are physically able, you can babysit.  If you have sewing talent start offering to do mending or alterations for folks.  Can you cook?  Get paid to cook one day a week for a family where both folks work .  Handyman skills?  If you have transportation and a few tools you can do simple jobs like changing a faucet washer, replacing a light fixture, etc.  Make it clear that you only do small jobs.  Can you water someone’s garden or weed it?

HOUSING  from seniorslovetoknow

The housing choice voucher program is operated by the U.S. Department of Housing and Urban Development (HUD) and offers rental subsidies to elderly, disabled and low income families. This program was previously known as Section 8 housing.Visit the HUD Income Limits website to find out what the limits are in your state.

USDA Affordable Rural Housing

The United States Department of Agriculture (USDA) provides subsidies to more than 15,000 apartment complexes through its Section 515 Multi-Family Housing (MFH) program. Some of these properties are designated specifically for the elderly... All units are located in rural areas across all 50 states.

Use the USDA Multi-Family Housing Rentals search site.

Try your county’s housing authority or council on aging.


 The above link gives you 8 suggestions which you may not have considered

Leading Age Pathways A Framework for Addressing Americans Financial Risk for long term services and support

Five hearing tech announcements that could benefit older adultsPosted: 12 Sep 2016 07:20 AM PDTHearing technology advances -- the hearing aid industry considers changing. It’s a positive when you see disruption of industries that have too tight a lock on the consumer, whether it is in categories of health insurancetelecom carriers or hearing aids.  You spend time with people everywhere you go – those with significant hearing loss but no hearing aids; they have hearing aids, but hate to wear them.  According to a recent NY Times article, two-thirds of adults over 70, but only 15-30% of those wear them – and at $5000 a pair, no wonder. In recent years, personal sound amplification products(PSAPs) that are not classified as hearing aids and thus do not require the audiologist role, though the FDA may change that. Just asking, if the device is called a 'Wearable,' does Silicon Valley find it more worthy of funding?  But anyway. In July, Consumer Reports published an explanatory guide that should be required reading for organizations that serve older adults. It would seem to be the wild west of innovation.  Here is a sampling of five recent product announcements:ReSound. The firm "introduced a new model to the award-winning ReSound LiNX2™ family: the world's only mini behind-the-ear (BTE) model to feature Made for iPhone. In addition, the mini BTE also features telecoil capabilities. ReSound LiNX2 is the world’s first internet-connected hearing aid, connecting to the internet to locate misplaced hearing aids. This new model enhances the award-winning ReSound Smart Hearing portfolio, giving users even more choices to meet individual preferences and hearing loss needs." Learn more at Resound.Oticon. 

"Technological limitations of current hearing aids have led to the use of tunnel directionality: Speech coming from the front is clear, whereas the rest of the sound environment is suppressed. This results in a limited, narrowed and artificial listening experience. With new, groundbreaking technology, Oticon Opn™ is fast and precise enough to analyse and follow the soundscape and differentiate between sounds. Even in complex listening environments, this allows Oticon Opn™ to constantly open up and balance individual sounds to deliver a rich and meaningful soundscape, empowering the brain to choose on which sounds to focus." Learn more at Oticon.

Silicon Valley based startup that "offers an entry-level rechargeable hearing aid (FDA class I medical device) that it sells directly to consumers. Eargo is a near-invisible in-the-canal device offering four volume settings. Developed by a French ENT, it features patented silicone “flexi-fibers” that enable the device to sit comfortably deep in the ear canal while letting air and natural sound flow freely to the eardrum. At $1,980 per pair, the Eargo hearing aids are more expensive than many of the new off-the shelf “hearables” (classified as personal sound amplification products, or PSAPs, by the FDA), but less expensive than the higher end hearing aids fitted by audiologists." Learn more at

 "Cochlear Limited (ASX: COH), the global leader in implantable hearing solutions, announces today it has received U.S. Food and Drug Administration (FDA) approval for its newest innovative hearing loss solution, Kanso. The Kanso Sound Processor provides a distinct new way for cochlear implant users to hear. Unlike most hearing aids and current cochlear implant sound processors that are worn on the ear, Kanso is a small, off-the-ear hearing device  that provides a more discreet hearing solution and delivers the same hearing experience as a behind-the-ear sound processor." Learn more at Cochlear.

 "iHear® Medical announced today the launch of the world’s first online hearing solutions platform. The company begins taking orders today for its flagship invisible iHEARHD® hearing aid, and the iHearTest™, which recently received landmark FDA approval as the first and only home hearing screener. Delivery of iHear products starts July 15, 2016. The company also plans to launch the iHEARMAX™, a mini behind-the-ear hearing device, on August 15, 2016. iHear’s products are currently being offered in the U.S., with plans to introduce them in China and other markets in 2017." Learn more at iHearMedical.