Benefits and Resources for Disabled Seniors in North Carolina

Last updated: January 27, 2026

Quick help box

• Emergencies (police, fire, ambulance): Call 911
• Mental health crisis line: Call or text 988, or use the chat at the 988 Suicide & Crisis Lifeline (free, 24/7) — see details at the official 988 Lifeline site: https://988lifeline.org
• Find local help (food, housing, bills, care): Call 2‑1‑1 or visit NC 211: https://nc211.org
• Report abuse, neglect, or exploitation of a disabled or older adult: Contact your County Department of Social Services (APS). Learn how and find your county office via NC DHHS: https://www.ncdhhs.gov/divisions/aging-and-adult-services/adult-protective-services
• Medicare counseling (free, unbiased): SHIIP through NC Department of Insurance: https://www.ncdoi.gov/consumers/medicare-and-senior-health-insurance-information-program-shiip
• Apply for Medicaid, Food & Nutrition Services (SNAP), or energy help online: ePASS (NC’s official portal): https://epass.nc.gov

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What this guide covers (and how to use it)

• This is a practical, state-specific guide for disabled seniors in North Carolina and their caregivers.
• We give direct links to official sources (state/federal/established nonprofits).
• Start with the “Emergency and urgent help” section if you’re in crisis or at risk of losing housing, food, or power.
• Use the tables to quickly find where to apply, who to call, and what you get.

Reality check: Many programs have waitlists, annual funding windows, and paperwork. County rules and processes can vary. Always confirm details with the official source we link to, because program rules change.

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Emergency and urgent help first

• Utility shutoff, no heat, or extreme weather: The Crisis Intervention Program (CIP) may help with disconnection or heating/cooling emergencies through your county DSS. Program details at NC DHHS: https://www.ncdhhs.gov/divisions/social-services/energy-assistance
• No food: Apply for Food and Nutrition Services (SNAP) and ask for expedited processing if you have very low income/resources. Apply at ePASS: https://epass.nc.gov or contact your county DSS. Program info: https://www.ncdhhs.gov/assistance/low-income-services/food-nutrition-services-food-stamps
• Unsafe at home (abuse, neglect, exploitation): Report to Adult Protective Services via your county DSS. Info and county contacts: https://www.ncdhhs.gov/divisions/aging-and-adult-services/adult-protective-services
• Homeless or at risk: Contact your local Continuum of Care for Coordinated Entry. For most rural counties (Balance of State CoC), start here: NC Coalition to End Homelessness (NC BoS CoC): https://www.ncceh.org/bos/
• Medicare billing or coverage problems: Get free counseling from SHIIP: https://www.ncdoi.gov/consumers/medicare-and-senior-health-insurance-information-program-shiip
• Scam or fraud: Report Social Security scams to SSA: https://www.ssa.gov/scam. Report Medicare fraud to the Senior Medicare Patrol via SHIIP: https://www.ncdoi.gov/consumers/medicare-and-senior-health-insurance-information-program-shiip

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Who to call for what (fast lookup)

Sources: NC DHHS, NC Department of Insurance, NC Housing Finance Agency, NC 211.

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Benefits checklist for disabled seniors in NC

• Health coverage and costs:
  • Medicare + Extra Help for prescriptions: https://www.ssa.gov/benefits/medicare/prescriptionhelp/
  • Medicaid for Aged, Blind, and Disabled (ABD): https://medicaid.ncdhhs.gov/beneficiaries/get-started/medicaid-eligibility
  • Medicare Savings Programs (QMB, SLMB, QI) to pay Medicare costs: https://medicaid.ncdhhs.gov/beneficiaries/get-started/medicare-savings-programs
  • Long-term services at home: CAP/DA waiver: https://medicaid.ncdhhs.gov/medicaid/get-started/find-programs-and-services/capda
  • PACE (all‑inclusive care for frail seniors): https://ncpace.org
• Food:
  • SNAP (Food and Nutrition Services): https://www.ncdhhs.gov/assistance/low-income-services/food-nutrition-services-food-stamps
  • Congregate and home-delivered meals (via Area Agencies on Aging): https://www.ncdhhs.gov/divisions/aging-and-adult-services/nutrition-services-programs
  • Senior Farmers’ Market Nutrition Program: USDA overview and state contacts: https://www.fns.usda.gov/sfmnp/senior-farmers-market-nutrition-program
  • Commodity Supplemental Food Program (CSFP): USDA state contacts: https://www.fns.usda.gov/csfp/contacts
• Housing and utilities:
  • Property tax relief (homestead exclusion, circuit breaker, disabled veteran exclusion): https://www.ncdor.gov/taxes-forms/property-tax/property-tax-relief-programs
  • Home repairs and accessibility (URP, ESFR, SFR-VP): https://www.nchfa.com/home-owners/repairing-your-home
  • Energy help (CIP, LIEAP): https://www.ncdhhs.gov/divisions/social-services/energy-assistance
  • Weatherization Assistance Program: https://deq.nc.gov/energy-climate/energy/information-resources/weatherization-assistance-program
• Transportation and independence:
  • Medicaid Non-Emergency Medical Transportation (NEMT): https://medicaid.ncdhhs.gov/beneficiaries/get-started/using-medicaid-benefits/transportation-non-emergency-medical-transportation-nemt
  • Disabled parking placard or plate (NCDMV): https://www.ncdot.gov/dmv/title-registration/plates/Pages/disabled-plates-placards.aspx
  • Public transit directory (county systems): https://www.ncdot.gov/divisions/public-transit/Pages/default.aspx
• Cash and money management:
  • Social Security, SSDI, SSI: https://www.ssa.gov
  • Representative payee info: https://www.ssa.gov/payee/
  • Unclaimed money (NCCash): https://www.nccash.com
  • Lifeline phone/internet discount: https://www.fcc.gov/lifeline
• Help at home and caregiver support:
  • Personal Care Services (Medicaid): https://medicaid.ncdhhs.gov/medicaid/get-started/find-programs-and-services/personal-care-services-pcs
  • Adult Day Services: https://www.ncdhhs.gov/divisions/aging-and-adult-services/adult-day-services
  • Family Caregiver Support and Project C.A.R.E. (respite for dementia caregivers): https://www.ncdhhs.gov/divisions/aging-and-adult-services/family-caregiver-support

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Health coverage and long-term care, in plain language

Medicare and free counseling (SHIIP)

• What it is: Medicare is federal health insurance for most people age 65+ and some younger people with disabilities. You may add drug coverage (Part D) and/or Medicare Advantage.
• Why it matters: Plans change each year. Picking the right plan can save you money.
• Get help: The State Health Insurance Information Program (SHIIP) provides free, unbiased counseling in all 100 counties. They can screen you for Extra Help and Medicare Savings Programs. Learn more or find your SHIIP counselor: https://www.ncdoi.gov/consumers/medicare-and-senior-health-insurance-information-program-shiip

Official info: Medicare basics at SSA and Medicare.gov. Extra Help (Low-Income Subsidy) details and application: https://www.ssa.gov/benefits/medicare/prescriptionhelp/

Reality check: Keep your annual drug list and preferred pharmacies on hand. Re‑check plans every fall because drug formularies and costs change.

Medicaid for older adults and adults with disabilities (NC)

• What it is: NC Medicaid helps with medical costs for eligible older adults and people with disabilities. Some people can have both Medicare and Medicaid (“dual eligible”).
• Apply: Online at ePASS: https://epass.nc.gov, or through your county DSS. See who qualifies: https://medicaid.ncdhhs.gov/beneficiaries/get-started/medicaid-eligibility
• SSI and Medicaid: In North Carolina, most Supplemental Security Income (SSI) recipients are automatically eligible for Medicaid. See SSI details at SSA: https://www.ssa.gov/ssi/
• Medicare Savings Programs (QMB, SLMB, QI): Help pay Medicare Part A/B premiums and sometimes deductibles/coinsurance for eligible individuals. Details: https://medicaid.ncdhhs.gov/beneficiaries/get-started/medicare-savings-programs
• Non-emergency medical transportation (NEMT): If you have Medicaid and need a ride to covered appointments, contact your health plan or county DSS for NEMT. Program info: https://medicaid.ncdhhs.gov/beneficiaries/get-started/using-medicaid-benefits/transportation-non-emergency-medical-transportation-nemt
• Mental health, intellectual/developmental disability, and substance use services: Some beneficiaries are in Tailored Plans. Learn how Tailored Plans work in NC: https://www.ncdhhs.gov/tailored-plans

Long-term services and supports (LTSS)

• Personal Care Services (PCS): In‑home help with daily activities (bathing, dressing, meals) for eligible Medicaid beneficiaries. Program overview: https://medicaid.ncdhhs.gov/medicaid/get-started/find-programs-and-services/personal-care-services-pcs
• CAP/DA waiver (Community Alternatives Program for Disabled Adults):
  • What it does: Lets eligible adults who meet nursing home level of care get services at home or in the community (like personal care, home modifications, respite).
  • Why it matters: Helps you avoid or delay nursing home placement.
  • Learn more and ask about waitlists: https://medicaid.ncdhhs.gov/medicaid/get-started/find-programs-and-services/capda
• PACE (Program of All‑inclusive Care for the Elderly):
  • What it is: A Medicare/Medicaid program for adults who need a nursing home level of care but can safely live in the community with wrap‑around support. Transportation, medical care, therapies, and social activities are included.
  • How to find a site: NC PACE Association: https://ncpace.org and Medicare PACE overview: https://www.medicare.gov/health-drug-plans/pace
• Special Assistance (SA) and Special Assistance In‑Home (SA-IH):
  • What it is: North Carolina’s State/County Special Assistance provides a cash supplement for eligible older adults and people with disabilities in licensed Adult Care Homes or, in some counties, to help you remain at home (SA‑IH).
  • Learn more and apply through county DSS: https://www.ncdhhs.gov/divisions/aging-and-adult-services/state-county-special-assistance
• Long-Term Care Ombudsman:
  • What they do: Advocate for residents of nursing homes and adult care homes; help resolve complaints about care, rights, or discharge.
  • Contact: https://www.ncdhhs.gov/divisions/aging-and-adult-services/long-term-care-ombudsman

Reality check: CAP/DA and SA-IH can have waitlists and county-by-county availability. Get on the list early and ask your caseworker what to do while you wait (e.g., PCS, adult day, caregiver support).

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Food and nutrition

• Food and Nutrition Services (FNS/SNAP):
  • What it is: Monthly benefit to buy groceries. In NC it’s FNS. Apply online via ePASS: https://epass.nc.gov
  • Program info: https://www.ncdhhs.gov/assistance/low-income-services/food-nutrition-services-food-stamps
  • Tip: Ask about expedited processing if you have very low income or are facing a crisis.
• Meals and nutrition for older adults:
  • Congregate meals (senior centers) and home-delivered meals (“Meals on Wheels”) are available in most counties through the Area Agencies on Aging. Overview: https://www.ncdhhs.gov/divisions/aging-and-adult-services/nutrition-services-programs
  • Find a nearby Meals on Wheels provider: Meals on Wheels America “Find Meals”: https://www.mealsonwheelsamerica.org/find-meals
• Senior Farmers’ Market Nutrition Program (SFMNP):
  • What it is: Seasonal benefit for eligible older adults to buy fresh fruits and vegetables from approved farmers’ markets/stands.
  • Learn how it works nationally and find the state contact: https://www.fns.usda.gov/sfmnp/senior-farmers-market-nutrition-program
  • In NC, SFMNP is coordinated with local agencies; ask your AAA or senior center.
• Commodity Supplemental Food Program (CSFP):
  • What it is: Monthly USDA food package for income‑eligible adults age 60+.
  • NC’s state agency is the NC Department of Agriculture & Consumer Services (Food Distribution). Find the NC state contact via USDA: https://www.fns.usda.gov/csfp/contacts and visit NCDA&CS Food Distribution: https://www.ncagr.gov/divisions/food-distribution

Reality check: Farmer’s market and CSFP benefits are seasonal or limited by funding. Apply early and check with your AAA or county DSS for waitlists.

Food programs at a glance

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Housing, safety, and energy

Home repair and accessibility

North Carolina funds several repair and accessibility programs through the NC Housing Finance Agency (NCHFA):

• Urgent Repair Program (URP): Small, critical repairs and accessibility modifications for very low‑income homeowners, including seniors and people with disabilities. https://www.nchfa.com/home-owners/repairing-your-home/urgent-repair-program
• Essential Single-Family Rehabilitation (ESFR) Loan Pool: Larger repairs for major systems and safety issues. https://www.nchfa.com/home-owners/repairing-your-home/essential-single-family-rehabilitation-loan-pool
• Single‑Family Rehabilitation: Vulnerable Populations (SFR‑VP): Accessibility and hazard reduction for high‑need homeowners. https://www.nchfa.com/home-owners/repairing-your-home/single-family-rehabilitation-program-vulnerable-populations

Tip: These programs are delivered by local partners (counties/nonprofits) and often use waiting lists. Contact the administering agency listed on each program page.

Property tax relief

North Carolina offers three main programs (apply with your county tax office):

• Elderly or Disabled Homestead Exclusion (G.S. 105‑277.1)
• Property Tax Homestead Circuit Breaker Deferment (G.S. 105‑277.1B)
• Disabled Veteran Homestead Exclusion (G.S. 105‑277.1C) for qualifying veterans or surviving spouses

Program summaries and eligibility details: NC Department of Revenue overview page: https://www.ncdor.gov/taxes-forms/property-tax/property-tax-relief-programs

Note: Income limits and deadlines are updated annually. Call your county tax office early each year to confirm.

Rental housing and assistance

• Housing Choice Voucher (Section 8) and Public Housing: Apply with your local Public Housing Agency (PHA). Find NC PHA contacts here: https://www.hud.gov/program_offices/public_indian_housing/pha/contacts/nc
• Eviction prevention and legal help: Legal Aid of North Carolina may assist with housing issues for eligible clients: https://www.legalaidnc.org

Reality check: Section 8 and many senior housing communities have long waitlists. Apply to multiple PHAs if possible and keep your contact info updated.

Energy and weatherization

• Crisis Intervention Program (CIP) and Low‑Income Energy Assistance Program (LIEAP): Help with heating/cooling crises and seasonal energy costs. Program info and how to apply: https://www.ncdhhs.gov/divisions/social-services/energy-assistance
• Weatherization Assistance Program (WAP): Improves home energy efficiency to lower bills and improve comfort. Administered through local agencies; details: https://deq.nc.gov/energy-climate/energy/information-resources/weatherization-assistance-program

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Transportation and mobility

• Medicaid Non‑Emergency Medical Transportation (NEMT): Free rides to Medicaid‑covered medical appointments for eligible members. How it works in NC: https://medicaid.ncdhhs.gov/beneficiaries/get-started/using-medicaid-benefits/transportation-non-emergency-medical-transportation-nemt
• Public transit and paratransit:
  • Most counties have a public transit system; many offer ADA paratransit for riders whose disabilities prevent using regular buses. Find your local system via NCDOT Public Transportation: https://www.ncdot.gov/divisions/public-transit/Pages/default.aspx and ask about ADA paratransit eligibility.
• Disabled parking placards/plates:
  • Apply through NCDMV with your medical provider’s certification. Forms and instructions: https://www.ncdot.gov/dmv/title-registration/plates/Pages/disabled-plates-placards.aspx
• Volunteer driver programs:
  • Many senior centers and nonprofits provide volunteer rides to medical visits and grocery trips. Ask your Area Agency on Aging: https://www.ncdhhs.gov/divisions/aging-and-adult-services/area-agencies-aging

Transportation options at a glance

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Communication, assistive tech, vision and hearing

• NC Assistive Technology Program (NCATP):
  • What it does: Device demonstrations, short‑term loans, reuse/refurbished equipment, and assessments to help you choose the right aids (e.g., mobility, vision/hearing, communication, home access).
  • Locations statewide; mobile services available. Learn more: https://www.ncdhhs.gov/divisions/vocational-rehabilitation-services/nc-assistive-technology-program
• Division of Services for the Blind (DSB):
  • Services include rehabilitation, independent living skills, and assistive devices for people with vision loss. https://www.ncdhhs.gov/divisions/services-blind
• Division of Services for the Deaf and Hard of Hearing (DSDHH):
  • Regional centers, interpreting resources, and equipment distribution (amplified and captioned phones, alerting devices). Equipment Distribution Service: https://www.ncdhhs.gov/divisions/services-deaf-and-hard-hearing/equipment-distribution-service
• Accessible Books and Library Services (State Library of NC):
  • Free audiobooks, braille, large print, and players for eligible residents. https://statelibrary.ncdcr.gov/libraries/accessible-books-and-library-services
• Phone and internet discount:
  • Lifeline offers a monthly discount for qualifying low‑income consumers: https://www.fcc.gov/lifeline
  • Note: The federal Affordable Connectivity Program stopped accepting new enrollments due to lack of funding. See current status at the FCC: https://www.fcc.gov/acp

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Money, income, and taxes

• Social Security, SSDI, and SSI:
  • Apply or manage benefits online: https://www.ssa.gov
  • SSI (for low‑income seniors and people with disabilities): https://www.ssa.gov/ssi/
  • SSDI (for workers with disabilities): https://www.ssa.gov/benefits/disability/
• Medicare drug cost help (Extra Help/Low‑Income Subsidy):
  • Reduces Part D premiums and copays if you qualify. Check and apply at SSA: https://www.ssa.gov/benefits/medicare/prescriptionhelp/ or ask SHIIP to screen you: https://www.ncdoi.gov/consumers/medicare-and-senior-health-insurance-information-program-shiip
• Representative payee (if you need help managing SSA benefits): https://www.ssa.gov/payee/
• Property tax relief (homestead exclusion, circuit breaker, disabled veteran exclusion): Program details and forms are at NC Department of Revenue: https://www.ncdor.gov/taxes-forms/property-tax/property-tax-relief-programs
• Unclaimed money:
  • Check the NC Department of State Treasurer’s official site (NCCash) for unclaimed refunds, accounts, or deposits: https://www.nccash.com
• ABLE accounts (for people with disabilities with age of onset rules):
  • NC ABLE may help some adults with disabilities save for qualified expenses without harming SSI/Medicaid eligibility. Review rules carefully (including disability onset age requirements) at NC ABLE: https://www.ncable.org
  • Note: Many seniors won’t qualify due to age‑of‑onset rules; check the official site for current eligibility.

Money and tax programs at a glance

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Work, purpose, and community

• Senior Community Service Employment Program (SCSEP):
  • Paid part‑time training for unemployed, low‑income adults 55+. Offered in NC by the Division of Aging and Adult Services and national partners. Overview: https://www.ncdhhs.gov/divisions/aging-and-adult-services/senior-community-service-employment-program-scsep
• Vocational Rehabilitation Services (VRS):
  • Job counseling, training, assistive tech for people with disabilities seeking work, including older adults. https://www.ncdhhs.gov/divisions/vocational-rehabilitation-services
• Senior centers and AAAs:
  • Exercise, classes, benefits counseling, caregiver support, and social connection. Find your Area Agency on Aging: https://www.ncdhhs.gov/divisions/aging-and-adult-services/area-agencies-aging

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Caregiving and staying at home

• Family Caregiver Support Program:
  • Local AAAs offer caregiver education, support groups, respite vouchers (when available), and help finding services. https://www.ncdhhs.gov/divisions/aging-and-adult-services/family-caregiver-support
• Project C.A.R.E. (for dementia caregivers):
  • Care consultation and respite assistance for caregivers of people with Alzheimer’s and related dementias. https://www.ncdhhs.gov/divisions/aging-and-adult-services/family-caregiver-support/project-care-caregiver-alternatives-restorative-encouragement
• Adult Day Services:
  • Supervised daytime care, activities, and health monitoring; helps caregivers work or rest. https://www.ncdhhs.gov/divisions/aging-and-adult-services/adult-day-services

Reality check: Respite funds are limited. Ask to be placed on waitlists early, and ask your AAA about other local grants or faith‑based programs.

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Inclusive supports: veterans, tribal communities, LGBTQ+, and rural seniors

Veteran seniors

• NC Department of Military and Veterans Affairs (NCDMVA):
  • County Veterans Service Officers can help you apply for VA benefits, pensions, and health care. Find your county office: https://www.milvets.nc.gov/services/county-veterans-service-offices
• VA Aid and Attendance and Housebound benefits:
  • Can increase your VA pension if you need help with daily activities or are housebound. Official details and how to apply: https://www.va.gov/pension/aid-attendance-housebound/
• Disabled Veteran Property Tax Relief:
  • NC’s Disabled Veteran Homestead Exclusion may lower or eliminate property taxes for qualifying veterans or surviving spouses. Details at NC DOR: https://www.ncdor.gov/taxes-forms/property-tax/property-tax-relief-programs

Tip: Bring your DD‑214 and medical records when meeting your County Veterans Service Officer.

Tribal-specific resources

• Eastern Band of Cherokee Indians (EBCI):
  • EBCI members should contact tribal programs for senior services, benefits navigation, and health services. EBCI official site: https://www.ebci-nsn.gov
  • Cherokee Indian Hospital Authority (for eligible members): https://cherokeehospital.org
• Lumbee Tribe of North Carolina:
  • Tribal programs may include elder services, housing, and case management for Lumbee members. Official site: https://www.lumbeetribe.com

Note: Eligibility for tribal services varies (membership, residence). State programs listed in this guide are open to eligible North Carolina residents regardless of tribal status.

LGBTQ+ seniors

• SAGE National LGBTQ+ Elder Hotline: 877‑360‑LGBT (5428), 24/7. Info and resources: https://www.sageusa.org
• LGBT Center of Raleigh:
  • Community programs, support groups, and social activities including for older adults. https://www.lgbtcenterofraleigh.com
• Long‑term care rights:
  • Federal rules protect residents from discrimination. If you experience issues in a facility, contact the NC Long‑Term Care Ombudsman: https://www.ncdhhs.gov/divisions/aging-and-adult-services/long-term-care-ombudsman

Tip: Tell your SHIIP counselor your providers and medications. If specific LGBTQ‑competent clinics or pharmacies matter to you, ask about plan networks before enrolling.

Rural seniors and limited access areas

• NC Office of Rural Health:
  • Helps connect residents with primary care, dental, behavioral health, and telehealth options; supports rural clinics and networks. https://www.ncdhhs.gov/divisions/office-rural-health
• Community Health Centers (FQHCs):
  • Sliding‑fee primary care and pharmacy services. Find a clinic via the NC Community Health Center Association: https://www.ncchca.org
• Transportation:
  • Call your county transit system (find via NCDOT): https://www.ncdot.gov/divisions/public-transit/Pages/default.aspx and ask about demand‑response rides.
• Broadband and phone:
  • If internet is unaffordable, check Lifeline eligibility: https://www.fcc.gov/lifeline

Reality check: Rural areas may have fewer providers and longer wait times. Ask your AAA or 2‑1‑1 to help you layer supports (e.g., home‑delivered meals, telehealth, mail‑order pharmacy, volunteer drivers).

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Step-by-step: applying for key benefits in North Carolina

One portal for many benefits: ePASS

• What you can do: Apply for Medicaid, Food and Nutrition Services (SNAP), and some other benefits; upload documents; check application status.
• Website: https://epass.nc.gov

Basic documents to gather:

• Proof of identity and NC residence
• Proof of income (Social Security letter, pension, pay stubs)
• Bank statements (if needed)
• Medicare card and any other insurance cards
• Medical bills or pharmacy receipts (if asked)

Tips:

• If traveling is hard, ask your county DSS for a phone interview or reasonable accommodation.
• Keep copies of everything you submit.
• Ask about expedited SNAP if food is very limited.

Property tax relief

• Call your county tax office and ask for the “Homestead Exclusion,” “Circuit Breaker,” or “Disabled Veteran Exclusion” application.
• Confirm deadline (often by June 1; counties vary). Program details: https://www.ncdor.gov/taxes-forms/property-tax/property-tax-relief-programs

CAP/DA or SA-In-Home

• Ask your county DSS or AAA to screen you for CAP/DA or Special Assistance In‑Home.
• If there’s a waitlist, ask what services you can get now (PCS, adult day, caregiver respite) and how to keep your place on the list. CAP/DA info: https://medicaid.ncdhhs.gov/medicaid/get-started/find-programs-and-services/capda

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Legal and advocacy help

• Legal Aid of North Carolina: Civil legal help (housing, benefits, consumer issues) for eligible North Carolinians. https://www.legalaidnc.org
• Disability Rights North Carolina: Protection and advocacy for people with disabilities, including facility rights and access barriers. https://disabilityrightsnc.org
• Long‑Term Care Ombudsman: Resident rights in nursing and adult care homes. https://www.ncdhhs.gov/divisions/aging-and-adult-services/long-term-care-ombudsman

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Regional resource highlights

Note: Every county is covered by an Area Agency on Aging (AAA). Find yours here: https://www.ncdhhs.gov/divisions/aging-and-adult-services/area-agencies-aging

• Charlotte/Mecklenburg and surrounding (Centralina, Mecklenburg County)
  • Centralina AAA (regional services): https://www.centralina.org/what-we-do/aging-programs-services/
  • Mecklenburg County Senior & Social Services: https://www.mecknc.gov
  • Charlotte Area Transit System (CATS) and ADA Paratransit (STS): https://charlottenc.gov/cats
• Triangle (Wake, Durham, Orange, Johnston)
  • Triangle J AAA: https://www.tjcog.org/area-agency-on-aging
  • Wake County Health & Human Services (aging): https://www.wake.gov
  • GoTriangle regional transit: https://gotriangle.org
• Triad (Guilford, Forsyth, Davidson, Randolph)
  • Piedmont Triad Regional Council AAA: https://www.ptrc.org/services/area-agency-on-aging
  • Greensboro Transit and Access GSO (ADA): https://www.greensboro-nc.gov/departments/transportation/greensboro-transit-agency
  • Winston‑Salem Transit and Trans‑AID: https://www.wstransit.com
• Western NC (Asheville, Buncombe, WNC)
  • Land of Sky AAA: https://www.landofsky.org/aaa.html
  • Asheville Rides Transit and ADA paratransit: https://www.ashevillenc.gov/department/transit/
  • Weatherization and home repair partners: check NCHFA program pages: https://www.nchfa.com/home-owners/repairing-your-home
• Eastern NC (Greenville, New Bern, Kinston)
  • Eastern Carolina Council AAA: https://eccog.org/area-agency-on-aging/
  • RiverRide/County transit systems via NCDOT: https://www.ncdot.gov/divisions/public-transit/Pages/default.aspx
• Sandhills/Fayetteville and counties
  • Mid‑Carolina AAA: https://www.mccog.org/area-agency-on-aging
  • FAST Transit and ADA service (Fayetteville): https://www.fayettevillenc.gov/city-services/transit
• Cape Fear/Coastal (Wilmington, Brunswick, Pender)
  • Cape Fear AAA: https://www.capefearcog.org/area-agency-on-aging
  • Wave Transit and paratransit: https://www.wavetransit.com

For rural counties not listed, use NC 211 (https://nc211.org) and the AAA directory to find local senior centers, transit, and meal providers.

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Program tables you can scan quickly

Health and long-term care programs

Housing, repairs, and energy

Food and nutrition

Transportation and access

Devices, communication, and advocacy

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Frequently Asked Questions (North Carolina specific)

Q: How do I apply for Medicaid as a disabled senior in NC?

• A: Apply online at ePASS (https://epass.nc.gov) or through your county DSS. Review eligibility: https://medicaid.ncdhhs.gov/beneficiaries/get-started/medicaid-eligibility. If you receive SSI, you’re typically eligible for NC Medicaid; confirm with DSS or see SSI details at https://www.ssa.gov/ssi/.

Q: What’s the difference between CAP/DA and PCS?

• A: PCS provides in-home help with daily tasks for eligible Medicaid beneficiaries (info: https://medicaid.ncdhhs.gov/medicaid/get-started/find-programs-and-services/personal-care-services-pcs). CAP/DA is a waiver for people meeting nursing home level of care needing broader home- and community-based services (info: https://medicaid.ncdhhs.gov/medicaid/get-started/find-programs-and-services/capda).

Q: How can I lower my Medicare costs?

• A: Ask SHIIP to screen you for Medicare Savings Programs (QMB, SLMB, QI): https://medicaid.ncdhhs.gov/beneficiaries/get-started/medicare-savings-programs and Extra Help: https://www.ssa.gov/benefits/medicare/prescriptionhelp/. NC SHIIP contact: https://www.ncdoi.gov/consumers/medicare-and-senior-health-insurance-information-program-shiip.

Q: Is there help with my property taxes?

• A: Yes. NC offers Homestead Exclusion and other relief for older adults, people with disabilities, and disabled veterans. Details/forms: https://www.ncdor.gov/taxes-forms/property-tax/property-tax-relief-programs. Apply through your county tax office before the annual deadline.

Q: How do I get a disabled parking placard?

• A: Have your healthcare provider complete the NCDMV form and submit it to NCDMV. Instructions and forms: https://www.ncdot.gov/dmv/title-registration/plates/Pages/disabled-plates-placards.aspx.

Q: Does NC have free phones or internet for seniors?

• A: The federal Lifeline program offers monthly discounts on phone or internet: https://www.fcc.gov/lifeline. The Affordable Connectivity Program stopped new enrollments; check current status: https://www.fcc.gov/acp.

Q: Who can help if my parent is being mistreated in a nursing home?

• A: Contact the Long-Term Care Ombudsman: https://www.ncdhhs.gov/divisions/aging-and-adult-services/long-term-care-ombudsman. For immediate danger, call 911 and report to Adult Protective Services via your county DSS: https://www.ncdhhs.gov/divisions/aging-and-adult-services/adult-protective-services.

Q: Where do I find home-delivered meals in my county?

• A: Start with your Area Agency on Aging: https://www.ncdhhs.gov/divisions/aging-and-adult-services/area-agencies-aging, or search Meals on Wheels providers: https://www.mealsonwheelsamerica.org/find-meals.

Q: I’m a veteran. Who can help me apply for VA Aid & Attendance?

• A: Your County Veterans Service Office can assist with claims: https://www.milvets.nc.gov/services/county-veterans-service-offices. Program details: https://www.va.gov/pension/aid-attendance-housebound/.

Q: Is there help with home repairs to keep me safe at home?

• A: See NCHFA’s Urgent Repair Program and other rehab options: https://www.nchfa.com/home-owners/repairing-your-home. If you have Medicaid and qualify for CAP/DA, ask about home modifications through the waiver: https://medicaid.ncdhhs.gov/medicaid/get-started/find-programs-and-services/capda.

Q: What if I can’t get to doctor’s appointments?

• A: If you have Medicaid, ask about NEMT: https://medicaid.ncdhhs.gov/beneficiaries/get-started/using-medicaid-benefits/transportation-non-emergency-medical-transportation-nemt. If not, check county transit (https://www.ncdot.gov/divisions/public-transit/Pages/default.aspx) and ask your AAA about volunteer driver programs.

Q: Where can I get help filling out applications?

• A: Your county DSS and local senior center can help. Call NC 211 for referrals: https://nc211.org. For Medicare forms and plan help, contact SHIIP: https://www.ncdoi.gov/consumers/medicare-and-senior-health-insurance-information-program-shiip.

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Practical tips and reality checks

• Keep a simple benefits folder with copies of your IDs, Social Security letters, Medicare card, and recent bank statements.
• If you move or change your phone number, call your county DSS, PHA, and any program waitlists right away so you don’t lose your spot.
• When you call a program, write down the date, the person’s name, and what they said.
• Ask for reasonable accommodations if disability makes paperwork, travel, or phone calls hard. Agencies must work with you to provide access.

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Resources (official and statewide)

• NC Department of Health and Human Services (DHHS): https://www.ncdhhs.gov
• ePASS (apply for Medicaid, FNS, etc.): https://epass.nc.gov
• NC Department of Insurance SHIIP (Medicare help): https://www.ncdoi.gov/consumers/medicare-and-senior-health-insurance-information-program-shiip
• NC Division of Aging and Adult Services (programs, AAAs): https://www.ncdhhs.gov/divisions/aging-and-adult-services
• NC 211 (find local help): https://nc211.org
• NC Housing Finance Agency (home repair): https://www.nchfa.com/home-owners/repairing-your-home
• NC Department of Revenue (property tax relief): https://www.ncdor.gov/taxes-forms/property-tax/property-tax-relief-programs
• NC DEQ Weatherization Assistance: https://deq.nc.gov/energy-climate/energy/information-resources/weatherization-assistance-program
• NCDOT Public Transportation: https://www.ncdot.gov/divisions/public-transit/Pages/default.aspx
• NCDMV Disabled Placards/Plates: https://www.ncdot.gov/dmv/title-registration/plates/Pages/disabled-plates-placards.aspx
• NC Assistive Technology Program: https://www.ncdhhs.gov/divisions/vocational-rehabilitation-services/nc-assistive-technology-program
• Division of Services for the Blind: https://www.ncdhhs.gov/divisions/services-blind
• Division of Services for the Deaf and Hard of Hearing: https://www.ncdhhs.gov/divisions/services-deaf-and-hard-hearing
• Legal Aid of North Carolina: https://www.legalaidnc.org
• Disability Rights North Carolina: https://disabilityrightsnc.org
• NC Office of Rural Health: https://www.ncdhhs.gov/divisions/office-rural-health
• NC Community Health Center Association (find clinics): https://www.ncchca.org
• NC PACE Association: https://ncpace.org
• SSA (Social Security, SSI, SSDI): https://www.ssa.gov
• VA Aid & Attendance: https://www.va.gov/pension/aid-attendance-housebound/
• NC Department of Military and Veterans Affairs: https://www.milvets.nc.gov
• NCCash (Unclaimed Property): https://www.nccash.com
• FCC Lifeline: https://www.fcc.gov/lifeline
• USDA SFMNP: https://www.fns.usda.gov/sfmnp/senior-farmers-market-nutrition-program
• USDA CSFP contacts (NC): https://www.fns.usda.gov/csfp/contacts
• Eastern Band of Cherokee Indians: https://www.ebci-nsn.gov
• Lumbee Tribe: https://www.lumbeetribe.com
• 988 Suicide & Crisis Lifeline: https://988lifeline.org

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Disclaimer

Program details, contact information, and eligibility rules change. Always verify the latest information with the official agency or website we link to. This guide is for general information and is not legal, financial, or medical advice.

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About this guide

by the GrantsForSeniors.org Editorial Team

The GrantsForSeniors.org editorial team has been building benefit and assistance resources for seniors nationwide since 2020. We research programs across all 50 states by reviewing government websites, checking agency updates, and gathering information from available sources.

Our Commitment to You:

• Experience & Expertise: The information in this guide is compiled and reviewed by a team with experience in senior services and financial aid programs. We are committed to sharing our knowledge to help you find the support you need.
• Authority & Trust: We rely on verified sources, including government agencies, non-profit organizations, and official program websites, to ensure the accuracy of our content. Our goal is to be a trusted authority you can rely on for credible information.
• Clarity & Accessibility: We understand that seeking financial assistance can be challenging. This guide is designed to be clear and easy to understand, breaking down complex topics into actionable steps.

While we work hard to provide the most accurate information available, please note that program details and eligibility requirements can change. We recommend always checking with the official program source or agency website for the most current information, as we are not official agencies but rather compile available information.

• Last Updated: January 2026
• Sources Verified: January 2026
• Next Review: May 2026

If you find outdated information, discover new resources, or have questions, please contact us at info@grantsforseniors.org. We’re here to help seniors find resources that can make a real difference in their daily lives.