From energy bills to healthcare, these overlooked programs could put money back in your pocket. Here are 10 little-known government programs that could help you save thousands—without jumping through hoops.
10 Government Benefits That Will Help You Save
đź’ˇ 1. Low-Income Home Energy Assistance Program (LIHEAP)
Helps pay heating and cooling bills, sometimes offers emergency assistance
Available in all 50 states
Many seniors and families qualify—even if they’re not “low-income” on paper
🏥 2. Medicare Savings Programs
Covers Medicare premiums, deductibles, and co-pays
Many enrollees don’t realize they qualify
Could save seniors hundreds per month
📶 3. Affordable Connectivity Program (ACP)
Offers up to $30/month off internet bills
Up to $100 off a laptop or tablet
Perfect for students, seniors, and remote workers
🏚 4. Weatherization Assistance Program (WAP)
Free upgrades to make your home more energy-efficient
May include insulation, windows, roofing, and HVAC updates
Helps reduce energy bills for decades
🏠5. Section 504 Home Repair Grant (USDA)
Available to seniors 62+ in rural areas
Up to $10,000 in free funds to fix health/safety hazards (like roofs, plumbing, etc.)
No repayment required if you stay in the home for 3 years
🍽 6. Supplemental Nutrition Assistance Program (SNAP) – Expanded Access
SNAP now includes online grocery delivery in most states
Many working families and seniors now qualify under new income thresholds
🎓 7. Free Tuition Programs (State-Based)
Many states offer free or reduced community college tuition
Often available to adults returning to school or upskilling later in life
Great for job changers or second careers
đź’ł 8. Earned Income Tax Credit (EITC)
Offers thousands in refundable tax credits
Most powerful for working families and part-time earners
Many eligible people miss it because they don’t file taxes or use a paid service
đźš— 9. Transportation Vouchers or Rideshare Subsidies
Seniors and low-income individuals may get free rides to medical appointments
Available through local aging agencies, Medicaid, or non-profits
Some programs offer monthly credits for Uber/Lyft rides
🧾 10. Unclaimed Money Programs
Every state holds unclaimed property, often from utility refunds, old checks, or overpaid taxes
Takes 30 seconds to search your name
Average claims: $75–$1,000+
Exploring the Supplemental Security Income (SSI) Benefits
The Supplemental Security Income (SSI) program is an essential financial aid option for individuals with limited income and resources, particularly the elderly, blind, or disabled. This program not only provides monthly cash payments to help cover basic needs such as food, clothing, and shelter but also opens doors to additional benefits. Many SSI recipients qualify for Medicaid, which offers crucial healthcare coverage. It's important to note that SSI eligibility is determined by strict income and asset limits, but many who might not consider themselves low-income can still qualify based on their circumstances.
Understanding the Low-Income Housing Energy Assistance Program (LIHEAP)
The Low-Income Housing Energy Assistance Program (LIHEAP) is an invaluable resource for those struggling to pay their home energy bills. Beyond just cooling and heating assistance, LIHEAP also provides emergency funds for unexpected crises, such as a broken furnace during winter. It's designed to help households achieve energy security and reduce the risk of energy-related hardships. Many states offer additional programs that complement LIHEAP, such as energy audits or weatherization services, which can further enhance energy efficiency and reduce long-term costs. Knowing how to navigate these programs can lead to significant savings.
Unlocking the Benefits of the Child Tax Credit (CTC)
The Child Tax Credit (CTC) is a federal program aimed at supporting families with children by providing a substantial tax benefit. For many households, this credit can significantly reduce tax liability, resulting in a refund that can be used for education, childcare, and other essential expenses. Recent expansions have made the credit more accessible, with increased amounts for younger children and eligibility for families with lower incomes. Understanding the application process and how it interacts with other credits ensures that families maximize their financial benefits, potentially leading to thousands of dollars saved each year.
Discovering Community Health Centers for Affordable Care
Community Health Centers (CHCs) are a vital resource for individuals seeking affordable healthcare options. These centers provide comprehensive services, including primary care, dental care, and mental health services, often on a sliding fee scale based on income. They are especially beneficial for uninsured and underinsured individuals, making healthcare more accessible to those who might otherwise avoid seeking treatment due to cost. CHCs often have programs that cater specifically to seniors, helping them manage chronic conditions and maintain their well-being. Utilizing these centers can lead to significant savings and improved health outcomes.
Maximizing Benefits from the Supplemental Nutrition Program (SNAP)
The Supplemental Nutrition Assistance Program (SNAP) is designed to help low-income individuals and families purchase healthy food. With benefits accessible via an EBT card, SNAP allows recipients to buy groceries at participating retailers, making it easier to maintain a balanced diet. Recent policy changes have expanded eligibility and increased benefit amounts, which can significantly aid families during tough economic times. Additionally, many states offer nutrition education programs to help SNAP recipients make informed food choices, stretching their benefits further and promoting healthier lifestyles. Understanding how to leverage SNAP effectively can lead to substantial food security for families.
Utilizing Local Nonprofits for Financial Assistance Programs
Local nonprofits often serve as a lifeline for individuals and families in need, offering a range of financial assistance programs. These organizations may provide emergency funds for rent, utilities, and food, as well as job training programs and financial literacy workshops. Many nonprofits partner with government agencies to enhance their services, ensuring that they can address various community needs effectively. By reaching out to these organizations, individuals can access resources that empower them to overcome financial hardships and build sustainable futures. It's essential to research local nonprofits to find the right support tailored to specific needs.