Benefits and Resources for Disabled Seniors in New York

Last updated: August 2025

Quick help box

Use these numbers and links first if you need help now.

Need Who to call or where to apply Details
Life-threatening emergency Call 911 Police, fire, ambulance
Mental health crisis or thoughts of suicide Call or text 988, or chat via the 988 Lifeline Free, 24/7 support. Learn more at the 988 Suicide & Crisis Lifeline
Adult abuse, neglect, self-neglect (not immediate danger) Contact your county’s Adult Protective Services (APS) via the OTDA APS page Investigation and support services. In NYC, contact HRA; elsewhere, your county DSS
Benefits screening and local guidance NY Connects at 1-800-342-9871 or visit NY Connects “No wrong door” for long-term care, benefits, and local services
Food help (SNAP) Apply at NY State myBenefits or NYC’s Access HRA SNAP application and recertification portals
Medicaid (new/renewals) NY State of Health for most; NYC Medicaid via HRA Health coverage and long-term care programs
Emergency cash assistance Statewide Emergency Assistance (OTDA) or NYC “One Shot Deal” One-time help for rent, heat, and other emergencies
Home energy help (HEAP) HEAP at NY OTDA Heating, cooling, and utility help
Free Medicare counseling HIICAP via the NYSOFA HIICAP page Unbiased help comparing Medicare, Part D, and EPIC

Tip: If you’re unsure where to start, call NY Connects at 1-800-342-9871. They will refer you to the right office in your county.


How to use this guide

  • This guide focuses on New York State programs for seniors with disabilities and their caregivers.
  • Each section explains what the program is, who it’s for, what it covers, and where to apply.
  • We include direct links to official sources so you can check details and apply online or by phone.
  • Look for “Reality check” notes for common snags and tips to avoid delays.

Table of contents

  • Emergency supports and urgent help
  • Healthcare and long-term care
  • Income and cash assistance
  • Food and nutrition
  • Housing and utilities
  • Transportation and mobility
  • Assistive technology and independent living
  • Caregivers, legal, and advocacy
  • Inclusive resources: LGBTQ+ seniors, veterans, tribal communities, rural areas
  • Resources by region in New York
  • How to apply: simple checklists
  • Frequently asked questions (FAQs)
  • Resources directory (quick reference)
  • Disclaimer
  • About this guide

Emergency supports and urgent help

  • Call 911 for immediate danger or medical emergencies.
  • For mental health crises, call or text 988 or use the 988 Lifeline chat via the 988 Suicide & Crisis Lifeline.
  • Suspect abuse, neglect, or self-neglect? Contact Adult Protective Services through the New York State Office of Temporary and Disability Assistance (OTDA) at the APS program page to find your local APS office. In NYC, use the Human Resources Administration’s APS page at NYC HRA APS.
  • For emergency cash help to prevent eviction, restore heat, or cover a crisis bill:
    • Statewide: See OTDA’s Emergency Assistance programs (EAF/EAA/ESNA).
    • In NYC: Apply for an “Emergency Assistance” or “One Shot Deal” at Access HRA.

Reality check:

  • Emergency aid is not guaranteed. You must show a real, sudden need and that you cannot meet it otherwise. Keep notices, bills, and proof of income and disability handy.

Healthcare and long‑term care in New York

Medicaid and long-term care programs

  • Medicaid provides health coverage and can pay for home care, nursing home care, and community supports. Learn more at New York State Department of Health Medicaid.
  • Apply or renew:
    • Most New Yorkers: Use NY State of Health.
    • NYC Medicaid (certain categories): See NYC HRA Health Assistance.

Key long-term care options:

  • Managed Long Term Care (MLTC): Plans that coordinate home care, therapies, and more for people who need long-term services. Overview at NYS DOH Long Term Care.
  • Consumer Directed Personal Assistance Program (CDPAP): Lets you recruit and supervise your own aides (including some relatives, subject to program rules). See NYS DOH CDPAP.
  • Nursing Home Transition and Diversion (NHTD) Waiver: Helps eligible adults avoid or leave nursing homes with services at home. See NYS DOH NHTD Waiver.
  • Traumatic Brain Injury (TBI) Waiver: Services to help people with a qualifying brain injury live in the community. See NYS DOH Medicaid Waivers overview.
  • PACE (Program of All‑Inclusive Care for the Elderly): Combines Medicare and Medicaid benefits and long-term care through one provider for those who qualify. See NYS DOH PACE.

Reality check:

  • Many home care programs require a nurse assessment to confirm “nursing home level of care.” Keep your medical records organized and bring a current medication list.

Medicare, EPIC, and help with costs

  • Medicare: Federal health insurance for most people 65+ and certain younger adults with disabilities. Start at Medicare.gov.
  • Medicare Savings Program (MSP): New York can pay your Medicare Part B premium (and sometimes other costs) if your income is within limits. See Medicare Savings Program at NYS DOH.
  • EPIC (Elderly Pharmaceutical Insurance Coverage): State program that helps New Yorkers 65+ with Medicare Part D drug costs. See EPIC at NYS DOH.

Free, unbiased counseling:

  • HIICAP (Health Insurance Information, Counseling and Assistance Program): One‑on‑one help comparing Medicare plans, MSP, and EPIC. Contact your local office via NYSOFA HIICAP.

Non-Emergency Medical Transportation (Medicaid)

  • If you have Medicaid, rides to covered medical appointments may be provided through the state’s transportation brokers:
    • Most counties: Medical Answering Services (MAS).
    • NYC: Modivcare.
      Details at NYS DOH Medicaid Transportation.

Income and cash assistance

Social Security benefits

  • SSDI and SSI: Social Security Disability Insurance and Supplemental Security Income provide monthly benefits if you meet disability and financial rules. Apply or manage benefits at the Social Security Administration.
  • New York State Supplement Program (SSP): New York adds a state-paid amount to SSI for many recipients, administered by OTDA. See the SSP program details and contact information at OTDA SSP.

Reality check:

  • SSI/SSP amounts and living arrangement categories are specific. Report address changes, marital status, and income changes quickly to avoid overpayments.

Emergency and short-term cash help

  • Statewide Emergency Assistance (EAF/EAA/ESNA): Help with rent arrears, utility shutoffs, and other urgent needs at OTDA Emergency Assistance.
  • NYC “One Shot Deal”: Apply via Access HRA for a one-time grant to stop eviction, restore heat, or cover other emergencies. See NYC HRA Emergency Assistance.

Tax relief for homeowners and renters

  • Enhanced STAR (school tax relief) for homeowners 65+: New York State Department of Taxation and Finance STAR.
  • Senior Citizens Homeowners’ Exemption (SCHE) and Disabled Homeowners’ Exemption (DHE): Property tax reductions for eligible households. See SCHE and DHE at NYS Tax and Finance.
  • NYC property tax exemptions: Contact the NYC Department of Finance for local applications. Start with NYC DOF Property Exemptions.
  • Real Property Tax Credit (IT‑214) for homeowners and renters with low‑to‑moderate incomes: See NYS Real Property Tax Credit.

Reality check:

  • Exemptions often require annual renewals and proof of income and disability. Mark your calendar to renew on time with your local assessor.

Food and nutrition

  • SNAP (Food Stamps): Monthly benefit on an EBT card. Apply at myBenefits (statewide) or Access HRA (NYC). Learn more at OTDA SNAP.
  • Senior Farmers’ Market Nutrition Program (SFMNP): Free coupon booklets for eligible older adults to buy fresh produce at approved markets. See NYS Department of Agriculture & Markets SFMNP.
  • Home-delivered and congregate meals: Available through local Offices for the Aging, often with a small suggested contribution. See NYSOFA Nutrition Services and contact your county Office for the Aging via NYSOFA Locations.

Reality check:

  • SNAP deductions for medical expenses can raise your benefit. Save receipts for prescriptions, copays, incontinence supplies, and dental bills to report allowable costs.

Housing and utilities

Rent help and tenant protections

  • NYC Rent Freeze for seniors and disabled tenants:
    • SCRIE (Senior Citizen Rent Increase Exemption): Freezes rent for eligible tenants age 62+. Apply via NYC Department of Finance SCRIE.
    • DRIE (Disability Rent Increase Exemption): Freezes rent for eligible tenants with qualifying disabilities. Apply via NYC Department of Finance DRIE.
  • Section 8 Housing Choice Vouchers: Subsidizes rent in private apartments. Administered locally. State info at NYS Homes and Community Renewal (HCR) Section 8; in NYC, see NYCHA Section 8.
  • Mitchell‑Lama housing: Middle-income rentals and co-ops, some accessible units. See HCR Mitchell‑Lama.

Reality check:

  • Many rental programs have waitlists or short application windows. Sign up for alerts and apply to multiple lists where eligible.

Home energy and repairs

  • HEAP (Home Energy Assistance Program): Help with home heating bills, emergency heat, and cooling assistance when open. See OTDA HEAP.
  • Weatherization Assistance Program (WAP): Free energy-saving upgrades for eligible households. See HCR Weatherization.
  • Access to Home: Grants to make homes safer and more accessible for people with disabilities and low incomes, including seniors. See HCR Access to Home.
  • RESTORE: Emergency home repairs for homeowners age 60+. See HCR RESTORE.
  • Utility affordability and protections:
    • State Energy Affordability Program aligns utility discounts for low-income customers; learn more at NYS Department of Public Service Energy Affordability Program.
    • Special Protections for serious medical conditions and other hardships: See NYS DPS Consumer Assistance and Special Protections.

Reality check:

  • HEAP typically opens in the fall. Funds are limited and close when money runs out. Apply early and ask your utility about company‑specific discounts.

Transportation and mobility

  • Reduced‑Fare MetroCard (MTA): Half‑fare on NYC subways and local buses for riders 65+ or with qualifying disabilities. See MTA Half Fare.
  • Access‑A‑Ride (NYC Paratransit): Door‑to‑door rides for people who cannot use subways or buses due to disability. Apply at MTA Paratransit (Access‑A‑Ride).
  • ADA Paratransit outside NYC: Check your local transit agency via your county’s Office for the Aging at NYSOFA Locations.
  • Medicaid Non‑Emergency Medical Transportation: See NYS DOH Medicaid Transportation for MAS or Modivcare contact and scheduling.
  • Parking permits for people with disabilities:
    • Statewide permits issued by local municipalities. Start at NYS DMV Parking for People with Disabilities.
    • Separate NYC Parking Permit for People with Disabilities (PPD) through NYC DOT—valid on many NYC streets. See NYC DOT PPD.

Reality check:

  • Paratransit eligibility requires an in‑person or phone assessment. Provide detailed examples of the barriers you face (stairs, distance, cognitive issues).

Assistive technology and independent living

  • TRAID (Technology-Related Assistance for Individuals with Disabilities): Device demonstration and loan programs statewide. Find your regional center at NYS Justice Center TRAID.
  • Centers for Independent Living (CILs): Peer-run agencies offering skills training, benefits help, housing search, and advocacy. Find your local CIL at NYSED ACCES‑VR Independent Living Centers.
  • Disability Rights New York (DRNY): Protection and advocacy for New Yorkers with disabilities, including help with service denials and discrimination. See DRNY.

Tip:

  • Ask your CIL or TRAID center about free loaner devices and reuse closets for walkers, shower chairs, and ramps.

Caregivers, legal, and advocacy

  • Caregiver support and respite: Contact NY Connects or your county’s Office for the Aging at NYSOFA Locations for caregiver counseling, respite, and support groups.
  • New York Paid Family Leave: Eligible workers can take paid leave to care for a seriously ill family member. Learn more and file at New York State Paid Family Leave.
  • Long Term Care Ombudsman Program: Independent advocates for residents of nursing homes and adult care facilities. See NYSOFA LTCOP.
  • Facility and home care lookups: Review inspection reports for nursing homes and home care agencies at NYS DOH Nursing Home Profiles and NYS DOH Home Care Profiles.
  • Planning forms:
    • Health Care Proxy (appoint someone to make medical decisions): NYS DOH Health Care Proxy form.
    • Power of Attorney (financial/other matters): NYS Department of State Power of Attorney.

Reality check:

  • Pick backups on your Health Care Proxy and Power of Attorney. Talk through your wishes before a crisis. Bring copies to your doctor and keep one on your fridge or in a “go bag.”

Program at a glance (New York)

Category Program What it does Who it helps Where to start
Healthcare Medicaid (including MLTC, CDPAP) Health coverage; home care and long-term services Low-to-moderate income; disability, seniors NYS DOH Medicaid; NY State of Health; NYC HRA Medicaid
Drug costs EPIC Helps pay Medicare Part D drug costs for 65+ Medicare enrollees 65+ with eligible income NYS DOH EPIC
Medicare costs Medicare Savings Program Pays Part B premium; may reduce drug costs Medicare enrollees with eligible income NYS DOH MSP
Transportation Medicaid NEMT Rides to covered medical visits Medicaid members NYS DOH Medicaid Transportation
Food SNAP Monthly food benefit on EBT card Eligible households OTDA SNAP; myBenefits; Access HRA (NYC)
Meals Home-delivered meals Hot/cold meals to home; congregate meals 60+ with need NYSOFA Nutrition; NYSOFA Locations
Rent SCRIE/DRIE (NYC) Freezes rent for eligible tenants 62+ (SCRIE) or disability (DRIE) NYC DOF SCRIE; NYC DOF DRIE
Housing Section 8 vouchers Subsidizes private rent Very low income households HCR Section 8; NYCHA Section 8
Utilities HEAP Heating/cooling help; emergencies Income-eligible households OTDA HEAP
Home repair RESTORE; Access to Home Emergency repairs; accessibility modifications Seniors 60+; people with disabilities HCR RESTORE; HCR Access to Home
Advocacy LTC Ombudsman Resolves issues in facilities Residents and families NYSOFA LTCOP
Assistive tech TRAID Device demos and loans People with disabilities Justice Center TRAID
Legal DRNY Disability rights and advocacy People with disabilities DRNY

Inclusive resources

LGBTQ+ seniors

  • SAGE (Services & Advocacy for LGBTQ+ Elders): Programs in NYC and statewide support; help with benefits, housing, and social support. See SAGE.
  • NYC Affirming Senior Centers: LGBTQIA+ affirming centers funded by NYC Aging. See NYC Aging LGBTQIA+ Senior Centers.
  • New York State protections: New York’s Human Rights Law prohibits discrimination based on sexual orientation and gender identity. File a complaint at the NYS Division of Human Rights.

Tip:

  • Ask your local Office for the Aging for LGBTQ+-affirming case managers and support groups. Start at NYSOFA Locations.

Veteran seniors

  • New York State Department of Veterans’ Services (DVS): Accredited claims help for VA disability, pension, and Aid & Attendance. See DVS and find your County Veterans Service Agency.
  • VA Aid & Attendance and Housebound: Extra monthly amounts for eligible veterans and surviving spouses who need help with daily activities. Details at VA Aid & Attendance.
  • Veterans can also access NY Connects for long-term care planning and caregiver support at NY Connects.

Reality check:

  • Bring your DD214 and medical evidence (doctor statements about daily care needs) to speed up Aid & Attendance applications.

Tribal-specific resources

  • St. Regis Mohawk Tribe Office for the Aging: Supports eligible elders with nutrition, transportation, and in-home help. Visit St. Regis Mohawk Office for the Aging.
  • Seneca Nation Elder Services: Meal programs, transportation, and caregiver support. See Seneca Nation Elder Services.
  • Oneida Indian Nation Aging: Services for tribal elders. See Oneida Nation Aging.
  • Indian Health Service (Nashville Area): Tribal health resources for eligible members in New York. See IHS Nashville Area.

Tip:

  • Tribal programs may coordinate with county Offices for the Aging and NY Connects. Ask about Title VI (Older Americans Act) services.

Rural seniors and families

  • NY Connects covers every county and can arrange in-home assessments for those far from service centers: NY Connects.
  • Broadband and devices: New York’s ConnectALL initiative works on affordable internet and devices; see New York State Broadband and ConnectALL.
  • Phone discounts: FCC Lifeline can lower phone or internet bills each month if you qualify; see Lifeline Support.
  • Home repairs in rural areas: USDA Section 504 Home Repair loans and grants (grants for eligible homeowners age 62+). See USDA Rural Development NY.

Reality check:

  • If transportation is the barrier, ask your Office for the Aging about volunteer driver programs, medical transport vouchers, or mobile benefit enrollments.

Housing and utilities quick compare

Need Program Key points Where to apply
Freeze NYC rent SCRIE (62+) / DRIE (disability) Freezes rent at current amount if eligible NYC DOF SCRIE; NYC DOF DRIE
Pay less rent Section 8 Voucher Pay ~30% of income; voucher pays rest (up to limits) HCR Section 8 (statewide); NYCHA Section 8 (NYC)
Heat/cooling help HEAP Regular benefits; emergency help; cooling assistance when open OTDA HEAP
Lower energy bills Utility EAP discounts Automatic for many who get HEAP/SNAP/SSI NYS DPS Energy Affordability Program
Home repairs RESTORE Emergency repairs for owners 60+ HCR RESTORE
Accessibility Access to Home Funds for ramps, grab bars, bathroom changes HCR Access to Home
Weatherization WAP Insulation, air sealing, safety checks HCR Weatherization

Transportation options at a glance

Option Who qualifies What you get Where to apply
Reduced‑Fare MetroCard 65+ or qualifying disability Half fare on MTA subways and local buses MTA Half Fare
Access‑A‑Ride (NYC) Unable to use subways/buses due to disability Door‑to‑door paratransit rides MTA Paratransit (Access‑A‑Ride)
ADA Paratransit (outside NYC) Varies by transit agency Door‑to‑door or curb‑to‑curb rides Contact local transit via NYSOFA Locations
Medicaid NEMT Medicaid members Rides to covered medical visits NYS DOH Medicaid Transportation (MAS/Modivcare)
Disability parking Disability affecting mobility Parking permits/placards NYS DMV Parking; NYC DOT PPD

Resources by region

Below are starting points for each region. For county-specific contacts, use NYSOFA Locations and NY Connects.

New York City (Bronx, Brooklyn, Manhattan, Queens, Staten Island)

  • NYC Aging (senior centers, caregiver support): NYC Aging.
  • Access HRA (SNAP, Cash Assistance, Medicaid, One Shot Deal): Access HRA.
  • SCRIE/DRIE (rent freeze): NYC DOF SCRIE and NYC DOF DRIE.
  • MTA Reduced‑Fare and Access‑A‑Ride: MTA Half Fare and MTA Paratransit.
  • APS (Adult Protective Services): NYC HRA APS.

Long Island (Nassau, Suffolk)

  • Offices for the Aging and NY Connects: NYSOFA Locations.
  • Medicaid Transportation: MAS (Nassau/Suffolk) via NYS DOH Medicaid Transportation.
  • Housing resources: Check county Housing offices and HCR programs (HCR Access to Home, HCR RESTORE).

Hudson Valley (Dutchess, Orange, Putnam, Rockland, Sullivan, Ulster, Westchester)

  • County Offices for the Aging and NY Connects: NYSOFA Locations.
  • Section 8 and Weatherization: HCR Section 8 and HCR Weatherization.

Capital Region (Albany, Rensselaer, Saratoga, Schenectady, others)

  • Offices for the Aging: NYSOFA Locations.
  • TRAID centers and CILs: Justice Center TRAID; ACCES‑VR CILs.

Central New York and Mohawk Valley

  • Offices for the Aging and NY Connects: NYSOFA Locations.
  • Medicaid Transportation broker: MAS (see NYS DOH Medicaid Transportation).

Finger Lakes and Southern Tier

  • Offices for the Aging and NY Connects: NYSOFA Locations.
  • Elder abuse support: Lifespan of Greater Rochester and local APS via OTDA APS.

Western New York and Niagara Frontier

  • Offices for the Aging and NY Connects: NYSOFA Locations.
  • Weatherization and RESTORE providers: HCR Weatherization and HCR RESTORE.

North Country and Adirondacks

  • Offices for the Aging and NY Connects: NYSOFA Locations.
  • Rural transport and medical rides: Ask NY Connects about volunteer and Medicaid options at NYS DOH Medicaid Transportation.

How to apply: simple checklists

Medicaid with long‑term care (MLTC/CDPAP/NHTD)

  1. Gather documents: ID, Social Security card, proof of NY address, income, resources, Medicare card (if you have it), and medical records.
  2. Apply for Medicaid at NY State of Health or via NYC HRA Health Assistance (if you’re in a category served by HRA).
  3. Ask for a home care assessment (MLTC/NYIA assessments in many areas).
  4. If you prefer to hire your own aides, ask about CDPAP (NYS DOH CDPAP).
  5. If you are in or at risk of nursing home care, ask about the NHTD Waiver (NYS DOH NHTD).

Reality check:

  • Keep a call log with dates and names. Missed calls can delay assessments; pick a backup contact who can answer the phone.

SNAP (Food Stamps)

  1. Screen eligibility and apply at myBenefits (statewide) or Access HRA (NYC).
  2. Upload ID, address proof, and medical expense receipts (if 60+ or disabled) to increase deductions.
  3. Complete your interview by phone.
  4. Check your case status online or ask your worker.

Tip:

  • Report high medical costs for seniors/disabled. It can raise your SNAP benefit. See OTDA SNAP.

NYC Rent Freeze (SCRIE/DRIE)

  1. Confirm eligibility (age 62+ for SCRIE, or qualifying disability for DRIE, and rent‑regulated unit with household income within limits).
  2. Apply online or by mail: NYC DOF SCRIE or NYC DOF DRIE.
  3. Include proof of income, age/disability, and rent.
  4. Track your application status and renew on time.

Tip:

  • Get help from a senior center or legal aid if your lease terms are confusing.

HEAP and home energy help

  1. Apply when HEAP opens at OTDA HEAP (or Access HRA in NYC).
  2. Ask about emergency HEAP and utility-specific discounts (NYS DPS Energy Affordability Program).
  3. Consider Weatherization (HCR Weatherization) for lasting savings.

Frequently Asked Questions (FAQs)

Q: What’s the fastest way to find out what I qualify for in New York?
A: Call NY Connects at 1-800-342-9871 or visit NY Connects. They are the state’s “no wrong door” for long‑term services, benefits, and local help.

Q: I’m disabled and on Medicare. Can New York help with my Part B premium?
A: Yes. The Medicare Savings Program may pay your Part B premium if your income fits the limits. See the NYS DOH Medicare Savings Program page to apply.

Q: I need help with my prescriptions. What’s EPIC and how does it work with Part D?
A: EPIC is a New York program that works with Medicare Part D to lower your out‑of‑pocket drug costs if you’re 65+ and meet income rules. Learn more and apply at NYS DOH EPIC.

Q: Can I hire my family member as my home care aide?
A: The Consumer Directed Personal Assistance Program (CDPAP) lets you recruit and supervise your own aides. Some relatives may qualify, subject to program rules. See NYS DOH CDPAP for current guidance.

Q: I live upstate and can’t drive. How do I get to doctor visits?
A: If you have Medicaid, use the state’s Non‑Emergency Medical Transportation (NEMT) broker (usually MAS). See NYS DOH Medicaid Transportation. If you don’t have Medicaid, ask your Office for the Aging about volunteer drivers or vouchers via NYSOFA Locations.

Q: Who should I call about elder abuse or neglect?
A: Contact Adult Protective Services through OTDA APS to find your county APS. If you’re in immediate danger, call 911. In facilities, you can also contact the Long Term Care Ombudsman at NYSOFA LTCOP.

Q: I rent in NYC and live on a fixed income. Can my rent be frozen?
A: Possibly. If you’re 62+ (SCRIE) or have a qualifying disability (DRIE), and meet income and housing rules, NYC can freeze your rent. Apply via NYC DOF SCRIE or NYC DOF DRIE.

Q: What is MLTC and how is it different from regular Medicaid?
A: Managed Long Term Care (MLTC) coordinates home care and other long‑term services for people who need help with daily activities. You still have Medicaid, but the plan manages your services. Start at NYS DOH Long Term Care.

Q: How do I get a disabled parking permit?
A: Apply with your city/town/village for the New York State Parking Permit for People with Disabilities (see NYS DMV Parking). In NYC, the NYC DOT PPD is a separate program.

Q: Where can I get unbiased Medicare advice?
A: Contact HIICAP via NYSOFA HIICAP for free counseling on Medicare, Part D, Advantage plans, MSP, and EPIC.

Q: Are there special resources for LGBTQ+ older adults?
A: Yes. SAGE offers programs and support (SAGE). In NYC, see the LGBTQIA+ friendly senior centers via NYC Aging.

Q: I’m a veteran needing help with daily care. Should I apply for Aid & Attendance?
A: If you need help with activities like bathing or dressing, you may qualify for Aid & Attendance (extra VA pension amounts). Get free claims help at the NYS Department of Veterans’ Services and see VA Aid & Attendance.

Q: I own my home. Can New York help with repairs or accessibility?
A: Yes. Check HCR RESTORE (emergency repairs for 60+) and HCR Access to Home (accessibility modifications). Also consider Weatherization at HCR Weatherization.

Q: My bills are piling up. Is there help with utilities?
A: Yes. Apply for HEAP at OTDA HEAP and ask your utility about low‑income discounts under the State’s Energy Affordability Program (NYS DPS Energy Affordability Program). Medical hardship protections may prevent shutoffs (NYS DPS Consumer Assistance).


Resources directory (quick reference)

Topic Resource Link
Benefits navigator NY Connects (statewide helpline 1-800-342-9871) NY Connects
Medicaid NYS Department of Health Medicaid NYS DOH Medicaid
Medicaid apply NY State of Health NY State of Health
NYC Medicaid NYC HRA Health Assistance NYC HRA Health Assistance
Long-term care MLTC, CDPAP, waivers NYS DOH Long Term Care
Medicare help HIICAP counseling NYSOFA HIICAP
Drug costs EPIC NYS DOH EPIC
SNAP State info and application OTDA SNAP; myBenefits
NYC benefits Access HRA Access HRA
Rent freeze (NYC) SCRIE/DRIE NYC DOF SCRIE; NYC DOF DRIE
Section 8 HCR (state) and NYCHA (NYC) HCR Section 8; NYCHA Section 8
Energy HEAP OTDA HEAP
Repairs RESTORE; Access to Home HCR RESTORE; HCR Access to Home
Weatherization HCR WAP HCR Weatherization
Paratransit Access‑A‑Ride (NYC) MTA Paratransit
Reduced fare MTA Half‑Fare MTA Half Fare
Disability parking NYS DMV; NYC DOT PPD NYS DMV Parking; NYC DOT PPD
APS Adult Protective Services OTDA APS
Ombudsman Long Term Care Ombudsman NYSOFA LTCOP
Advocacy Disability Rights New York DRNY
Veterans NYS Department of Veterans’ Services DVS
LGBTQ+ SAGE; NYC Aging LGBTQIA+ centers SAGE; NYC Aging LGBTQIA+
Tribal St. Regis Mohawk OA; Seneca Elder; Oneida Aging St. Regis Mohawk OA; Seneca Elder Services; Oneida Aging
Consumer protection NYS Attorney General (scams/fraud) NY AG Consumer Frauds

Reality checks, warnings, and tips

  • Keep copies: Save every application, notice, and receipt. Take photos with your phone.
  • Track deadlines: Benefits often require recertification. Put reminders on a calendar.
  • Report changes: Tell agencies right away about address, income, or household changes to avoid overpayments.
  • Ask for help: Free navigators are available through NY Connects, HIICAP, Offices for the Aging, veterans’ offices, and Centers for Independent Living.
  • Appeal denials: Most programs have an appeal or fair hearing process. Instructions are on your notice. Ask DRNY or legal aid for help.

About scams and fraud

  • If someone calls claiming to be from Social Security, Medicare, or “the county,” hang up and call the official number you find on the agency’s website.
  • Report scams to the New York State Attorney General’s office at NY AG Consumer Frauds.

Disclaimers and fine print

  • Program rules, amounts, and application methods can change. Always confirm details with the official agency using the links in this guide.
  • This guide provides general information. It is not legal advice or a decision on your eligibility.

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: August 2025
  • Sources Verified: August 2025
  • Next Review: February 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.


Links referenced above (for quick access):

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About the Authors

Analic Mata-Murray

Analic Mata-Murray

Managing Editor

Analic Mata-Murray holds a Communications degree with a focus on Journalism and Advertising from Universidad Católica Andrés Bello. With over 11 years of experience as a volunteer translator for The Salvation Army, she has helped Spanish-speaking communities access critical resources and navigate poverty alleviation programs.

As Managing Editor at Grants for Seniors, Analic oversees all content to ensure accuracy and accessibility. Her bilingual expertise allows her to create and review content in both English and Spanish, specializing in community resources, housing assistance, and emergency aid programs.

Yolanda Taylor

Yolanda Taylor, BA Psychology

Senior Healthcare Editor

Yolanda Taylor is a Senior Healthcare Editor with over six years of clinical experience as a medical assistant in diverse healthcare settings, including OB/GYN, family medicine, and specialty clinics. She is currently pursuing her Bachelor's degree in Psychology at California State University, Sacramento.

At Grants for Seniors, Yolanda oversees healthcare-related content, ensuring medical accuracy and accessibility. Her clinical background allows her to translate complex medical terminology into clear guidance for seniors navigating Medicare, Medicaid, and dental care options. She is bilingual in Spanish and English and holds Lay Counselor certification and CPR/BLS certification.