Emergency Assistance, Resources, and Programs for Seniors in Maryland (2025)

Last updated: August 2025

— Use this practical, Maryland‑specific guide to get help fast, understand your options, and apply for benefits with fewer surprises. All links open to official or well‑established sources.

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Quick Help Box (keep these handy)

• Call 911 for any life‑threatening emergency.
• Dial 988 for the Suicide & Crisis Lifeline (24/7, free, confidential) Learn more at 988 Lifeline.
• Dial 211 to reach 211 Maryland for food, housing, utility help, and crisis resources (24/7). Search 211 Maryland.
• Report suspected abuse, neglect, or exploitation of a vulnerable adult: contact Adult Protective Services through your local Department of Social Services. Adult Protective Services – Maryland DHS
• Start or check benefit applications online (SNAP, cash assistance, energy help, Medicaid): myMDTHINK (Maryland’s benefits portal)
• Find local aging help (Maryland Access Point/MAP): Maryland Department of Aging (click “Access Point/MAP” to connect to your county office)
• Energy help (MEAP/LIHEAP, EUSP): Maryland Office of Home Energy Programs (OHEP)
• Medicare questions and plan counseling: Maryland SHIP (State Health Insurance Assistance Program) (choose Maryland to find your local SHIP)

At‑a‑Glance Emergency Contacts

Reality check: Phone lines can be busy during storms or funding crunches. If you can’t get through, try calling early morning, use online portals, or ask your local library or senior center for help applying online.

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How to Use This Guide

• Start with “Emergency Help Now” if you need immediate assistance today.
• Then check “Core Programs” (food, housing, utilities, health, money).
• Use the tables to compare options and click through to apply.
• See “Inclusive Support” for resources tailored to LGBTQ+ seniors, veterans, tribal communities, and rural areas.
• Scroll to “Resources by Region” for county‑level contacts.
• Review FAQs for Maryland‑specific answers.
• Always confirm details on official websites—funding and eligibility change during the year.

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Emergency Help Now (First 24–72 hours)

1) Safety, Abuse, and Urgent Care

• Life‑threatening situations: call 911.
• Crisis counseling: dial 988 or visit the 988 Lifeline.
• Vulnerable adult abuse/neglect/financial exploitation: report to Adult Protective Services (MD DHS). APS is handled by your local Department of Social Services (DSS).
• Domestic or intimate partner violence: find confidential help and shelters via the Maryland Network Against Domestic Violence or the National Domestic Violence Hotline.

Tip: If it’s unsafe to speak, 911 in many areas accepts texts. If you can’t safely call for help, use a trusted neighbor or ask a pharmacist or librarian to help you contact services.

2) Food Today

• Call 211 or search the Maryland Food Bank – Find Food map for nearby pantries and meal sites.
• Home‑delivered meals: contact your local Area Agency on Aging through Maryland Department of Aging (look for Maryland Access Point/MAP), or check Meals on Wheels of Central Maryland for service areas.

Reality check: Some pantries run out or limit visits. Bring ID and a bag. If transportation is a problem, ask about delivery or a mobile pantry.

3) Shelter and Eviction Emergencies

• For shelter beds and eviction prevention, call 211 and your local DSS. Courts may have same‑day assistance desks. See Maryland Courts – Housing and Landlord/Tenant Help.
• If you received a court notice, don’t ignore it. Show up, bring papers (lease, receipts, notices), and ask about free legal help (see Maryland Legal Aid and Maryland Courts Self‑Help Centers).

Reality check: Emergency rental funds come and go. If funds are out, ask your local DSS about short‑term motel placement, rapid rehousing, or referrals to nonprofits.

4) Utilities at Risk of Shutoff

• Contact your utility immediately to ask for a payment plan or medical hardship hold.
• Apply for energy help right away via OHEP (MEAP/LIHEAP & EUSP).
• Weatherization and energy efficiency upgrades for long‑term savings: check Maryland Department of Housing and Community Development (DHCD) – Energy Efficiency Programs.

Tip: Keep your application receipt or confirmation number. Ask the utility to “note the account” that an assistance application is pending.

5) Medications and Medical Appointments

• Call your pharmacy to ask about emergency refills and contact your doctor’s office for samples or urgent prescriptions.
• If you have Medicare, your plan’s 24/7 customer service can advise on network urgent care. For counseling and plan comparisons, contact Maryland SHIP.

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Maryland’s Core Programs for Seniors

The programs below are the heart of emergency and ongoing support. Use the “What it covers” and “How to apply” columns to move quickly.

Table 1: Key Benefits and Where to Apply

Reality check: Many programs need proof of identity, income, and residency. If papers were lost in a crisis, ask for “reasonable verification” options—agencies can often accept statements, benefits letters, or help you request replacements.

Documents commonly requested:

• Photo ID (MD ID, driver’s license, passport)
• Social Security number (or proof of application)
• Proof of Maryland address (lease, utility bill)
• Income (Social Security award letter, pension, pay stubs)
• Medical expenses (for SNAP deductions), utility bills, eviction/shutoff notices

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Food and Nutrition in Maryland

• SNAP (Food Stamps): Funds are put on the Maryland Independence Card each month. Apply at myMDTHINK and learn details at MD SNAP – DHS.
• Senior Farmers’ Market Nutrition Program (SFMNP): Seasonal checks or electronic benefits for fresh produce from local markets to eligible seniors. See the Maryland Department of Agriculture for current details and distribution: MD Dept. of Agriculture – Nutrition Programs.
• Home‑Delivered Meals & Congregate Dining: Provided through county Area Agencies on Aging and partner nonprofits; includes nutrition counseling for those who need it. Start via Maryland Department of Aging or check Meals on Wheels of Central Maryland.
• Emergency Food: Use Maryland Food Bank’s “Find Food” map or dial 211.

Tip: If you have high medical costs, tell SNAP during your interview—allowable medical expenses can increase your food benefit.

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Housing and Homelessness Support

• Local Departments of Social Services coordinate shelter placements and homelessness prevention. Find your office here: Maryland DHS – Local Offices.
• Court help and tenant resources: Maryland Courts – Housing.
• Public Housing and Housing Choice Vouchers (Section 8): Check with your local Public Housing Agency (waitlists open/close). Use HUD’s tool to locate PHAs: HUD – PHA Contacts.
• Home repairs and accessibility:
  • Maryland DHCD’s programs (including accessible home modifications) are listed here: Maryland DHCD – Residents.
  • Some counties run emergency repair or ramp programs through their AAAs or community action agencies (ask your local MAP/AAA).

Reality check: Voucher waitlists are often long. If a list is closed, ask to be added to the notification list, and apply to multiple PHAs if possible.

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Energy, Utilities, and Water Assistance

Table 2: Energy and Utilities Help in Maryland

Tip: Apply to OHEP early in the season. If you have a shutoff notice, upload it with your application and tell your utility you applied—ask for a hold while it’s reviewed.

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Health Coverage, Long‑Term Services, and Medicare Help

Table 3: Health and Long‑Term Care Programs

• Need help choosing or changing a Medicare plan? Call your local SHIP for free counseling: Find Maryland SHIP.
• Medical billing or insurance denial complaints: Maryland Attorney General’s Health Education and Advocacy Unit can assist consumers with health plan disputes: HEAU – Office of Attorney General.

Reality check: Medicaid LTSS and some waivers have waitlists. Ask about “priority categories,” interim services (like CFC or CPAS), or short‑term home care through your AAA while you wait.

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Money, Taxes, and Consumer Protection

• Social Security and SSI: Apply/manage benefits at SSA.gov. For in‑person help, find your local office via the SSA Office Locator on that site.
• Property Tax Credits (Homeowners & Renters): Maryland’s credits can reduce your annual costs if your income is within the limits. Learn and apply through the Department of Assessments & Taxation: SDAT – Tax Credit Programs. Deadlines and documentation matter—don’t wait.
• Lifeline (phone/Internet discount): The federal Affordable Connectivity Program (ACP) has ended due to lack of funding; Lifeline remains for eligible low‑income households. See FCC Lifeline.
• Consumer scams and fraud: File complaints and get education through the Maryland Attorney General’s Consumer Protection Division: Consumer Protection Division. For identity theft, see the AG’s resources and consider a fraud alert with the credit bureaus.

Tip: Keep a folder with benefit letters (Social Security, pensions), tax returns, and receipts for medical costs—these help with SNAP and tax credits.

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Transportation and Mobility

• Mobility/Paratransit: In the Baltimore region, MTA MobilityLink provides ADA paratransit: MTA Mobility. Other counties run their own services (contact your county DOT or AAA/MAP).
• Reduced Fare: Many local transit systems offer senior discounts—check your local transit agency.
• Volunteer Rides and Call‑N‑Ride: Ask your AAA/MAP or 211 about local ride programs for medical appointments or groceries.

Reality check: Paratransit requires eligibility and scheduling ahead. If you have a same‑day medical need, ask your doctor if they can arrange a medical transport or telehealth visit.

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Inclusive Support

Maryland’s seniors are diverse. These resources are tailored to specific communities.

LGBTQ+ Seniors

• Maryland Access Point (MAP): Welcomes all; ask your local office about LGBTQ+ affirming providers. Start at Maryland Department of Aging.
• SAGE National LGBTQ+ Elder Hotline: Peer support and referrals: SAGE Hotline (see website for current contact options).
• Chase Brexton Health Care – Center for LGBTQ Health Equity: Inclusive primary care and support services in Maryland: Chase Brexton – LGBTQ Health.

Tip: If you’ve experienced discrimination, report it to your provider’s patient relations and consider filing with the Maryland Office of Civil Rights or contacting legal aid.

Veteran Seniors

• Maryland Department of Veterans Affairs (MDVA): Service officers help file VA claims, pensions, and Aid & Attendance: MDVA – Service & Benefits Program.
• VA Maryland Health Care System (Baltimore, Perry Point, Loch Raven): VA Maryland Health Care System.
• VA Pensions & Aid and Attendance: For low‑income wartime veterans and survivors needing help with daily activities. Learn at VA Pension.

Tip: Bring your DD‑214 and medical records to MDVA or VA appointments. If denied, appeal deadlines are strict—ask MDVA or legal aid right away.

Tribal and Urban Indian Resources

• Baltimore Native American LifeLines: Health and social services for Urban Indian communities (Title V Urban Indian organization): Native American LifeLines – Baltimore.
• Indian Health Service (IHS): For program information and eligibility: IHS – For Patients.

Note: Maryland has state‑recognized tribal communities; services vary. Urban Indian programs may offer care coordination, behavioral health, and cultural services.

Rural Seniors (Western MD, Lower Shore, Southern MD)

• Transportation and broadband are common hurdles. Use 211 and your local AAA/MAP for ride options, food deliveries, and mobile services.
• Ask your library about help applying online for benefits at myMDTHINK.
• Energy efficiency programs can reduce ongoing costs in rural homes; see DHCD – Energy Efficiency Programs.

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Disaster Readiness and Extreme Weather

• Maryland Department of Emergency Management (MDEM): Alerts, preparedness checklists, and shelter info: MDEM.
• Cooling and warming centers: Listed by local health departments and emergency management; dial 211 for nearest location.
• Power outages: Report to your utility; for medical devices, tell your utility you have “life‑support” equipment and ask about priority restoration programs.

Tip: Keep a “go bag” with medications, copies of IDs, a list of doctors and prescriptions, water, and a small amount of cash.

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County and Regional Contacts (Where to Start Locally)

Use your county’s aging office (AAA/MAP) and local DSS for most services. Below are major starting points.

Table 4: Local Starting Points by Region

Tip: If a county page changes, use the site’s search bar (“aging,” “disabilities,” “senior services”), or call 211 for the current number.

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Practical Steps: Apply Faster and Avoid Delays

1. Make a “document pack”

• ID, Social Security card/number, proof of address.
• Social Security/pension award letters; two months of bank statements.
• Utility bills, lease, eviction/shutoff notices, medical bills.

2. Apply online when possible

• myMDTHINK lets you apply for SNAP, Medicaid, and energy help in one place. Save your login.

3. Tell your story clearly

• Use notes to explain a crisis (job loss, medical emergency, disaster). Upload notices. This helps with emergency processing.

4. Follow up

• If you don’t hear back in the expected time, call the agency with your confirmation number. Keep a simple call log (date, who you spoke with, what they said).

5. Appeal if denied

• Every denial letter explains appeal rights and deadlines. Get free help from Maryland Legal Aid or a local legal clinic.

Reality check: Some programs take weeks. Ask about “expedited SNAP,” emergency utility assistance, or short‑term supports while your main application is pending.

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Specific Situations and Where to Turn

A. I got a shutoff notice for electricity or gas

• Call the utility right away to request a payment plan or medical hold.
• Apply to OHEP – MEAP/EUSP.
• Ask about EmPOWER Maryland improvements via DHCD.

B. I can’t afford food this week

• Use the Maryland Food Bank map and dial 211.
• Apply for SNAP at myMDTHINK—ask about expedited service if your income is very low.

C. I’m facing eviction

• Show up on the court date and bring all papers.
• Ask the court about onsite legal help; contact Maryland Legal Aid.
• Check Maryland Courts – Housing Help for tenant resources.

D. I need help with Medicare decisions

• Contact Maryland SHIP for unbiased counseling.
• If a claim is denied, the AG’s HEAU can assist with plan disputes.

E. I need home care to stay independent

• Ask about CFC/CPAS and waiver options through Maryland Medicaid.
• Call your local AAA/MAP via Maryland Department of Aging for care coordination and caregiver support.

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Tools and Checklists

Table 5: What to Have Ready When You Apply

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Frequently Asked Questions (Maryland‑Specific)

Q1) How do I apply for SNAP benefits in Maryland online?

• Use myMDTHINK to apply or check your case online. Maryland’s program details are at MD SNAP – DHS.

Q2) Does Maryland offer a property tax break for seniors?

• Yes. Maryland’s Homeowners’ Property Tax Credit and the Renters’ Tax Credit are income-based. See programs and forms at  SDAT – Tax Credit Programs.

Q3) Where do I get help with an electric or gas shutoff notice?

• Apply with the Office of Home Energy Programs (OHEP) and contact your utility about payment options. For long-term savings, explore EmPOWER Maryland energy efficiency programs via DHCD.

Q4) Who can help me choose a Medicare plan or appeal a bill?

• Contact Maryland SHIP for free, unbiased Medicare counseling. For plan disputes and medical billing problems, the Attorney General’s Health Education and Advocacy Unit (HEAU) can help.

Q5) I live alone. Is there a free daily check‑in service in Maryland?

• Yes. The Maryland Department of Aging operates the free daily “Senior Call Check” program. Visit the Maryland Department of Aging website and search “Senior Call Check” for current enrollment details.

Q6) I need home care to avoid a nursing home. What should I ask about?

• Ask your local AAA/MAP and Medicaid office about Community First Choice (CFC), Community Personal Assistance Services (CPAS), and Medicaid waiver options. Start via Maryland Medicaid and the Maryland Department of Aging.

Q7) Does Maryland still have Internet discounts like ACP?

• The federal Affordable Connectivity Program (ACP) has ended due to lack of funding. Eligible households may still receive a phone/Internet discount through FCC Lifeline.

Q8) Can I get help the same day for food or shelter?

• Often yes for food (pantries) and sometimes for shelter depending on availability. Call 211 for the fastest referrals and contact your local DSS for shelter coordination. See Maryland DHS – Local Offices.

Q9) Where do I report elder financial exploitation?

• Contact Adult Protective Services through your local DSS (MD DHS APS). For scams and consumer complaints, reach out to the Attorney General’s Consumer Protection Division.

Q10) I’m a veteran. Who helps with benefits in Maryland?

• The Maryland Department of Veterans Affairs (MDVA) has service officers who file claims at no cost. Start at MDVA – Service & Benefits. For health care, see VA Maryland Health Care System.

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Reality Checks, Warnings, and Tips

• Funding runs out: Energy and housing funds can run dry before year‑end. Apply early and ask to be waitlisted if needed.
• Keep records: Save every letter and confirmation number. If you call an agency, jot down the date, the name of the person you spoke to, and what they said.
• Scams pick up during crises: Government agencies won’t ask for gift cards or bank logins. Verify callers before sharing info. Use the AG’s Consumer Protection Division to report scams.
• Appeal rights: If you’re denied benefits, you usually have the right to appeal. Appeals must be filed fast—don’t wait. Courts often have self‑help resources: Maryland Courts Self‑Help.
• Caregiver strain is real: Caregivers can get respite and support groups through local AAAs/MAP. Start at Maryland Department of Aging.

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Resources (Official and Well‑Established)

• 24/7 Helplines
  • 911 – Emergencies
  • 988 – Suicide & Crisis Lifeline
  • 211 – 211 Maryland
• Statewide
  • Maryland Department of Aging
  • Maryland DHS – Local Offices Directory
  • myMDTHINK Benefits Portal
  • OHEP – Energy Assistance
  • DHCD – Residents & Energy Efficiency
  • Maryland Medicaid
  • Maryland SHIP
  • SPDAP – Senior Prescription Drug Assistance
  • SDAT – Tax Credit Programs
  • Maryland Courts – Legal Help
  • Maryland Legal Aid
  • Attorney General – Consumer Protection Division
  • Adult Protective Services (MD DHS)
  • MDEM – Emergency Management
  • Maryland Food Bank – Find Food
  • Meals on Wheels of Central Maryland
  • HUD – Public Housing Agency Contacts
  • FCC Lifeline
• Veterans & Special Populations
  • Maryland Department of Veterans Affairs
  • VA Maryland Health Care System
  • Baltimore Native American LifeLines
  • Chase Brexton – LGBTQ Health
  • Maryland Network Against Domestic Violence
• Local Water/Utility Examples
  • Baltimore City: Water4All Program
  • WSSC Water (Montgomery/Prince George’s): Customer Assistance Program
  • BGE Assistance: BGE Customer Support & Assistance

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Disclaimer

Program details, eligibility rules, funding levels, and contact information can change at any time. Always confirm the latest information directly with the relevant agency or official website before you apply or make decisions.

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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: August 2025
• Sources to Verify: Use the official links provided throughout this guide to confirm current rules and contacts.
• 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.