Emergency Assistance for Seniors in Tennessee
Emergency Assistance, Resources, and Programs for Seniors in Tennessee (Authority Hub Guide)
Last updated: August 2025
Quick Help Box (always visible)
If you are in immediate danger, call 911.
Need | What to do right now | Official link |
---|---|---|
Medical or safety emergency | Call 911 | Your local emergency services |
Mental health crisis | Call or text 988 (or Tennessee’s Statewide Crisis Line 855-274-7471) | 988 Suicide & Crisis Lifeline: https://988lifeline.org/ • TN Crisis Services: https://www.tn.gov/behavioral-health/crisis-services.html |
Abuse, neglect, or exploitation of an older adult | Call Adult Protective Services at 888-277-8366 | TN Adult Protective Services: https://www.tn.gov/humanservices/adults/adult-protective-services.html |
Disaster help (storms, flooding, tornadoes) | Check TEMA updates; if a federal disaster is declared, apply at DisasterAssistance.gov | TEMA: https://www.tn.gov/tema.html • FEMA TN: https://www.fema.gov/locations/tennessee • DisasterAssistance.gov: https://www.disasterassistance.gov/ |
Food, shelter, bills, local help | Call 211 or search online | Tennessee 211: https://tn211.org/ |
TennCare (Medicaid) eligibility or help | Call TennCare Connect at 855-259-0701 or apply online | TennCare Connect: https://tenncareconnect.tn.gov/ |
Medicare counseling (SHIP) | Free, unbiased help | TN SHIP: https://www.tn.gov/aging/our-programs/state-health-insurance-assistance-program–ship-.html |
Reality check: In real emergencies, start with 911 or 988. For resources like SNAP, LIHEAP, or TennCare, applications can take time—apply as soon as you can and ask about “expedited” pathways where available.
About Tennessee Seniors: A Snapshot
- People age 65+ make up about one in five Tennesseans. See the latest Census QuickFacts for Tennessee for official figures: https://www.census.gov/quickfacts/TN
This guide focuses on Tennessee-specific programs, the real steps to take, and direct links to official sources. Expect both quick actions and longer-term solutions.
How to Use This Guide
- Start with the Emergency section for same-day help.
- Then use the topic sections (healthcare, money and bills, food, housing, transportation, legal).
- Check inclusive resources (veterans, LGBTQ+ seniors, rural seniors, Native/tribal).
- Use the Resources by Region to find local contacts.
- Verify details at the official links provided; programs change over time.
Emergency Help First: What To Do Today
1) Safety, Medical, and Mental Health
- Dial 911 for any life-threatening emergency.
- Mental health crisis:
- Call or text 988 for the Suicide & Crisis Lifeline: https://988lifeline.org/
- Tennessee’s Statewide Crisis Line is available 24/7 at 855-274-7471: https://www.tn.gov/behavioral-health/crisis-services.html
Tip: If you’re calling for a loved one, have their medication list and doctor names nearby.
2) Abuse, Neglect, Exploitation
- Report suspected abuse of any adult age 18+ who is vulnerable, including seniors:
- Tennessee Adult Protective Services (APS): 888-277-8366
- Official info and online reporting: https://www.tn.gov/humanservices/adults/adult-protective-services.html
Reality check: You do not need proof—report what you see or suspect. APS will determine next steps.
3) Disaster and Severe Weather
- Tennessee Emergency Management Agency (TEMA): updates, shelters, readiness: https://www.tn.gov/tema.html
- FEMA for individuals when federal disasters are declared: https://www.disasterassistance.gov/ and Tennessee page: https://www.fema.gov/locations/tennessee
- Small Business Administration disaster loans (homeowners and renters can qualify): https://disasterloanassistance.sba.gov/
Tip: Keep a list of medications and doctors in your go-bag. After disasters, beware of contractor and charity scams—verify with TEMA/FEMA and the Tennessee Attorney General: https://www.tn.gov/attorneygeneral/working-for-tennessee/consumer.html
4) Same-Day Food and Shelter
- Dial 211 for nearest food pantries and shelters: https://tn211.org/
- Feeding America food banks serving Tennessee:
- Mid-South (Memphis region): https://www.midsouthfoodbank.org/
- Second Harvest of Middle Tennessee: https://www.secondharvestmidtn.org/
- Chattanooga Area Food Bank: https://chattfoodbank.org/
- Second Harvest of East Tennessee: https://secondharvestetn.org/
5) Homelessness Prevention and Re-Housing
- HUD Continuum of Care (CoC) coordinates shelter intake and housing help. Find Tennessee CoC contacts: https://www.hud.gov/program_offices/comm_planning/coc/contact/coccontacts
- Emergency Solutions Grants (ESG) programs are often accessed through your local CoC and 211.
6) Lost Medications or Medical Supplies
- Talk to your pharmacist. After declared disasters, emergency refills may be allowed. Keep your prescription info handy.
- Medicare coverage info for emergencies: https://www.medicare.gov/
7) Urgent Utility Shutoff
- LIHEAP may help with energy bills (details below), but it is not instant. Ask your utility about emergency assistance and medical necessity protections.
- See links for major utility assistance programs in the “Money & Bills” section.
Emergency Aid at a Glance (What, Who, How)
Situation | First step | Next steps | Official source |
---|---|---|---|
Immediate danger | Call 911 | Follow responders’ instructions | Local emergency services |
Mental health crisis | Call/text 988 or 855-274-7471 | Ask about mobile crisis team | 988 Lifeline: https://988lifeline.org/ • TN Crisis: https://www.tn.gov/behavioral-health/crisis-services.html |
Abuse/neglect | Call APS 888-277-8366 | Provide details; you can remain confidential | TN APS: https://www.tn.gov/humanservices/adults/adult-protective-services.html |
Disaster damage | Check TEMA | If eligible, apply at DisasterAssistance.gov | TEMA: https://www.tn.gov/tema.html • FEMA: https://www.disasterassistance.gov/ |
No food today | Call 211 | Visit nearest pantry; apply for SNAP | TN 211: https://tn211.org/ • SNAP TN: https://www.tn.gov/humanservices/for-families/supplemental-nutrition-assistance-program-snap.html |
Power shutoff notice | Call your utility | Ask about hardship funds and LIHEAP | LIHEAP (THDA): https://thda.org/energy-programs/liheap |
Documents to Gather (Saves Time)
- Photo ID, Social Security number
- Proof of Tennessee address (bill, lease)
- Proof of income (Social Security, pensions, pay stubs), bank statements
- Medical bills (for some programs), list of medications
- Utility bills (for LIHEAP)
- For disasters: photos of damage, insurance info
Tip: Keep copies in a safe, waterproof folder and digital photos on your phone or emailed to yourself.
Healthcare and Long-Term Care
TennCare (Medicaid) for Older Adults
- What it is: Medicaid in Tennessee for low-income residents. It can cover doctor visits, hospital care, and long-term services at home or in nursing facilities.
- Who it helps: Low-income Tennesseans; seniors who meet income and asset rules; people who need long-term services and supports (LTSS).
- How to apply:
- Online at TennCare Connect: https://tenncareconnect.tn.gov/
- TennCare info: https://www.tn.gov/tenncare.html
- Reality check: LTSS eligibility looks at income, assets, and medical need. It takes time. Apply early and keep records.
CHOICES in Long-Term Services & Supports (LTSS)
- What it is: A TennCare program that provides care in nursing facilities or at home (personal care, homemaker, respite, adult day care).
- Who it helps: Seniors and adults with disabilities who qualify for Medicaid and meet medical level of care.
- Learn more and how to apply: https://www.tn.gov/tenncare/long-term-services-supports/choices-in-long-term-services-and-supports.html
- Tip: If you’re not on TennCare yet, apply through TennCare Connect. Your Area Agency on Aging & Disability (AAAD) can help you understand options: https://www.tn.gov/aging.html
ECF CHOICES (for Adults with Intellectual/Developmental Disabilities)
- What it is: TennCare’s Employment and Community First CHOICES offers home and community supports for people with intellectual/developmental disabilities.
- Learn more: https://www.tn.gov/tenncare/long-term-services-supports/employment-and-community-first-choices.html
Medicare, Extra Help, and Medicare Savings Programs
- SHIP (free, unbiased Medicare counseling): https://www.tn.gov/aging/our-programs/state-health-insurance-assistance-program–ship-.html
- Extra Help (Medicare Part D costs): https://www.ssa.gov/benefits/medicare/prescriptionhelp/
- Medicare Savings Programs (help with Part A/B premiums and more): General info from Medicare.gov: https://www.medicare.gov/basics/costs/help/medicare-savings-programs
- In Tennessee, these are administered through TennCare. Ask SHIP or TennCare for help applying.
Long-Term Care Ombudsman (Problems in Facilities)
- What it is: A free, independent advocate for residents in nursing homes, assisted living, and similar facilities.
- File concerns or get advice: https://www.tn.gov/aging/our-programs/long-term-care-ombudsman.html
Family Caregiver Support
- Respite, education, and limited help for caregivers of seniors: https://www.tn.gov/aging/our-programs/national-family-caregiver-support-program.html
Money and Bills (Energy, Repairs, Phones, Taxes)
Energy Help: LIHEAP and Weatherization
- LIHEAP (Low-Income Home Energy Assistance Program)
- What it does: Helps pay utility bills; sometimes crisis help for disconnection.
- Who it helps: Low-income households (eligibility varies by household size/income).
- How to apply: Through local agencies funded by the Tennessee Housing Development Agency (THDA). Program info and local contacts: https://thda.org/energy-programs/liheap
- Reality check: Funds are limited each year. Apply early and ask about crisis appointments.
- Weatherization Assistance Program (WAP)
- What it does: Free energy-saving home improvements (insulation, air sealing, minor repairs) to reduce bills.
- Administered by THDA with local agencies: https://thda.org/energy-programs/weatherization-assistance-program
- Tip: Weatherization can take time. Get on the waiting list.
Emergency Home Repairs for Seniors
- THDA Emergency Repair Program for the Elderly (ERP)
- What it is: Grants for essential repairs to keep seniors safe at home (e.g., heating, roof, accessibility).
- Who it helps: Low-income homeowners age 60+ (income and repair criteria apply).
- Learn more and find the local contact on THDA’s site (search “Emergency Repair Program for the Elderly”): https://thda.org/
- Reality check: ERP funds are competitive and limited; apply early each program year.
Telephone and Internet Discounts
- Lifeline (phone/internet discount for low income): https://www.lifelinesupport.org/
- Reality check: The separate Affordable Connectivity Program (ACP) ended due to lack of funding in 2024. Some households may still get help through Lifeline or provider-based low-cost plans. Check with your provider and Lifeline.
Property Tax Relief and Freeze (Seniors)
- Tennessee Property Tax Relief (state program)
- What it does: Pays a portion of property taxes for low-income elderly homeowners, disabled homeowners, and disabled veteran homeowners/surviving spouses.
- Official: Tennessee Comptroller’s Office: https://comptroller.tn.gov/office-functions/pa/property-taxes/property-tax-relief-program.html
- Property Tax Freeze (local option)
- What it does: Freezes your property tax amount if you’re a qualifying senior; available in participating cities/counties.
- Official info: https://comptroller.tn.gov/office-functions/pa/consumers/property-tax-freeze-program.html
Reality check: You must apply every year and meet income/age requirements. Bring proof of income and property info to your county trustee’s office.
Major Utility Hardship Funds (Examples)
Not every utility offers the same help. Start by calling your provider and ask for “hardship assistance” or “third-party charity funds.” Some examples:
Utility | Program | Details | Link |
---|---|---|---|
Memphis Light, Gas and Water (MLGW) | Plus-1 | Emergency energy assistance funded by donations; apply through partner agencies | https://www.mlgw.com/residential/plus-1 |
Nashville Electric Service (NES) | Project Help | Emergency energy assistance via NeedLink Nashville | https://www.nespower.com/project-help/ |
Knoxville Utilities Board (KUB) | Project Help | Energy assistance for households in crisis | https://www.kub.org/accounts-billing/assistance/project-help/ |
EPB (Chattanooga) | Power Share/assistance resources | Works with local partners; also efficiency support | https://epb.com/home-customer-support/energy-assistance/ |
Tip: If you use medical equipment at home, ask your utility about medical necessity flags to help avoid shutoffs.
Food and Nutrition
SNAP (Food Stamps) for Seniors
- What it does: Monthly benefits on an EBT card to buy groceries.
- Tennessee info and application: https://www.tn.gov/humanservices/for-families/supplemental-nutrition-assistance-program-snap.html
- Apply online via One DHS: https://onedhs.tn.gov/
- Expedited SNAP: If your income/resources are very low, you may qualify for expedited processing within 7 days under federal rules (USDA SNAP policy): https://www.fns.usda.gov/snap/expedited-service
- Tip: Medical expenses over $35/month can sometimes increase SNAP for seniors. Ask the caseworker how to report them.
Meals at Home and Community Dining
- Home-delivered meals and community dining are coordinated by Area Agencies on Aging & Disability (AAADs).
- Program info: https://www.tn.gov/aging/our-programs/nutrition-services.html
- Find your AAAD via TCAD: https://www.tn.gov/aging.html
Commodity Supplemental Food Program (CSFP)
- What it is: Monthly food packages for low-income older adults (age 60+).
- Tennessee participates; find state contacts via USDA FNS: https://www.fns.usda.gov/csfp/state-contact-list
Seniors Farmers’ Market Nutrition Program (SFMNP)
- What it is: Vouchers for low-income seniors to buy fresh fruits and vegetables from authorized farmers’ markets.
- Tennessee program (administered through TCAD/local partners). Learn more and check availability: https://www.tn.gov/aging.html (search “Senior Farmers’ Market Nutrition Program”)
Housing: Rent, Vouchers, and Homelessness Prevention
Reality check: Rental assistance funds that started during COVID-19 have largely ended. Today, help often comes from standard programs like housing vouchers, public housing, ESG prevention, and local charities. Waitlists can be long—get on them as soon as you can.
- Housing Choice Vouchers (Section 8) and Public Housing
- Apply with your local Public Housing Agency (PHA). HUD’s Tennessee PHA list: https://www.hud.gov/program_offices/public_indian_housing/pha/contacts/tn
- THDA administers vouchers in many counties; check availability and instructions at https://thda.org/ (search “Housing Choice Voucher”)
- HUD Continuum of Care (CoC) for Coordinated Entry
- Contact your region’s CoC to access prevention, rapid re-housing, or shelter: https://www.hud.gov/program_offices/comm_planning/coc/contact/coccontacts
- USDA Rural Rental Housing (often has senior-designated complexes)
- Find affordable rural apartments: https://rdmfhrentals.sc.egov.usda.gov/
- Fair Housing Help
- If you believe you were discriminated against in housing: HUD Fair Housing: https://www.hud.gov/program_offices/fair_housing_equal_opp
Tip: Keep copies of all letters and notices. If you get an eviction notice, contact Legal Aid immediately (see Legal section) and 211.
Transportation
- TennCare Non-Emergency Medical Transportation (NEMT)
- If you have TennCare and need a ride to covered medical appointments, you can request NEMT at no cost.
- Learn more and find your transportation broker via TennCare: https://www.tn.gov/tenncare.html (search “Transportation”)
- MyRide TN (Volunteer Senior Transportation)
- State-supported volunteer driver programs in several counties for non-emergency rides (groceries, doctor, pharmacy): https://www.tn.gov/aging/our-programs/transportation-assistance/myride-tn.html
- Public Transit in Tennessee
- Find local transit providers (fixed route and demand-response): Tennessee DOT Public Transit: https://www.tn.gov/tdot/multimodal-transportation-resources/public-transit.html
Tip: Schedule rides early and ask about accessibility if you use a walker or wheelchair.
Legal and Consumer Protection
- Tennessee Alliance for Legal Services (TALS) and Help4TN
- Legal information and referrals; helpline 844-HELP4TN (844-435-7486)
- https://www.tals.org/ • https://www.help4tn.org/
- Regional Legal Aid Providers
- Legal Aid Society of Middle TN & the Cumberlands: https://las.org/
- Legal Aid of East Tennessee: https://www.laet.org/
- Memphis Area Legal Services: https://www.malsi.org/
- West Tennessee Legal Services: https://www.wtls.org/
- Consumer Protection (Scams, Disaster Fraud, Contractor Issues)
- Tennessee Attorney General Consumer Protection: https://www.tn.gov/attorneygeneral/working-for-tennessee/consumer.html
- File a complaint: https://www.tn.gov/attorneygeneral/working-for-tennessee/consumer/file-a-complaint.html
- Federal identity theft recovery: https://www.identitytheft.gov/
- Long-Term Care Ombudsman (facility complaints): https://www.tn.gov/aging/our-programs/long-term-care-ombudsman.html
Tip: Never pay for help to apply for TennCare, SNAP, or LIHEAP. Application help is free through official agencies and AAADs.
Veteran Seniors (Tennessee-Specific Help)
- Tennessee Department of Veterans Services (TDVS)
- County and field offices help with benefits, pensions, and state veteran programs.
- Office finder and contacts: https://www.tn.gov/veteran.html
- VA Health and Housing
- Tennessee Valley Healthcare System (Middle TN): https://www.va.gov/tennessee-valley-health-care/
- Memphis VA Medical Center: https://www.va.gov/memphis-health-care/
- VA Homeless Veterans programs and hotline 877-424-3838: https://www.va.gov/homeless/
- Supportive Services for Veteran Families (SSVF): https://www.va.gov/homeless/ssvf/
Reality check: VA benefits can be complex. Bring your DD-214 and use TDVS or a VA-accredited representative to file claims correctly the first time.
LGBTQ+ Seniors
- Your rights: Programs like TennCare, Medicare, and AAAD services are available regardless of sexual orientation or gender identity.
- Support and crisis resources:
- 988 Lifeline LGBTQ+ support: https://988lifeline.org/help-yourself/lgbtq/
- SAGE National LGBT Elder Hotline (peer support): https://www.sageusa.org/what-we-do/sage-national-lgbt-elder-hotline/ (877-360-5428)
Tip: If you face discrimination in a care setting, contact the Long-Term Care Ombudsman: https://www.tn.gov/aging/our-programs/long-term-care-ombudsman.html
Native/Tribal Resources
Reality check: Tennessee does not have federally recognized tribes within the state. Many American Indian/Alaska Native elders in Tennessee are members of tribes based elsewhere. If this is you:
- Indian Health Service (IHS), Nashville Area: https://www.ihs.gov/nashville/
- United South and Eastern Tribes (USET) Headquarters (Nashville): https://www.usetinc.org/
- You can use Medicare, Medicaid (TennCare), and tribal/IHS resources for which you are eligible. Contact your tribe for enrollment and benefits documents.
Rural Seniors and Limited Access
- Broadband and Phones
- Lifeline discount (phone/internet): https://www.lifelinesupport.org/
- Tennessee Broadband Office (service and grants info for communities): https://www.tn.gov/ecd/rural-development/tn-broadband.html
- Telehealth and Transportation
- Ask your clinic about telehealth options. For TennCare members, check coverage details at https://www.tn.gov/tenncare.html
- MyRide TN and local transit demand-response services can help with long trips: https://www.tn.gov/aging/our-programs/transportation-assistance/myride-tn.html
- Food Access
- Use 211 to find nearby pantries that serve rural routes or mobile distributions: https://tn211.org/
- Seniors Farmers’ Market Nutrition Program (seasonal): see TCAD via https://www.tn.gov/aging.html
Reality check: In rural areas, there may be waitlists or fewer providers. Apply early, ask about waitlists, and use multiple options (churches, food banks, AAADs).
Key Tennessee Programs at a Glance
Program | What it provides | Who it helps | How to apply/learn more |
---|---|---|---|
TennCare (Medicaid) | Health coverage and LTSS | Low-income Tennesseans; seniors meeting criteria | TennCare Connect: https://tenncareconnect.tn.gov/ |
CHOICES (LTSS) | Home care, nursing facility care | Seniors needing long-term care | https://www.tn.gov/tenncare/long-term-services-supports/choices-in-long-term-services-and-supports.html |
LIHEAP | Energy bill help | Low-income households | THDA LIHEAP: https://thda.org/energy-programs/liheap |
Weatherization (WAP) | Free energy-saving home upgrades | Low-income households | https://thda.org/energy-programs/weatherization-assistance-program |
Emergency Repair Program for the Elderly (ERP) | Essential home repairs | Low-income homeowners 60+ | THDA: https://thda.org/ (search “Emergency Repair Program”) |
SNAP | Monthly food help | Low-income individuals/families | https://www.tn.gov/humanservices/for-families/supplemental-nutrition-assistance-program-snap.html |
CSFP | Monthly senior food package | Low-income adults 60+ | USDA contacts: https://www.fns.usda.gov/csfp/state-contact-list |
SHIP | Medicare counseling | Medicare beneficiaries | https://www.tn.gov/aging/our-programs/state-health-insurance-assistance-program–ship-.html |
Long-Term Care Ombudsman | Help with facility issues | Residents of long-term care | https://www.tn.gov/aging/our-programs/long-term-care-ombudsman.html |
Property Tax Relief | Pays part of property tax | Qualifying seniors | https://comptroller.tn.gov/office-functions/pa/property-taxes/property-tax-relief-program.html |
Practical Steps: From Crisis to Stability
- Today
- Safety first (911, 988, APS).
- Call 211 to find immediate food and shelter.
- Contact your utility for hardship assistance and request a medical necessity flag if applicable.
- This week
- Apply for SNAP (ask about expedited service if income/resources are low): https://onedhs.tn.gov/
- Start LIHEAP application for energy help: https://thda.org/energy-programs/liheap
- If long-term care is a concern, call AAAD or TennCare for CHOICES.
- This month
- If a homeowner age 60+, ask about THDA Emergency Repair Program for the Elderly.
- Review Medicare costs; check for Extra Help and Medicare Savings Programs through SHIP.
- Apply for Property Tax Relief/Freeze if eligible.
- Ongoing
- Keep documents organized.
- Re-certify benefits on time.
- Use your AAAD as a hub for information and referrals: https://www.tn.gov/aging.html
Health, Safety, and Special Situations
- Alzheimer’s/dementia safety and wandering
- 24/7 Helpline (Alzheimer’s Association): https://www.alz.org/help-support/resources/helpline (800-272-3900)
- Ask your local AAAD about respite and caregiver support.
- Dialysis and emergencies
- ESRD Network 8 (TN/AL/MS): https://www.esrdnetwork8.org/
- Keep your dialysis center’s emergency plan and contacts in your go-bag.
- Replacement documents
- Social Security card/Medicare card replacement: https://www.ssa.gov/ (My Social Security)
- Tennessee driver license/ID: https://www.tn.gov/safety/driver-services.html
- Fraud after disasters
- Verify contractors’ licenses and references.
- Report scams to the Tennessee Attorney General: https://www.tn.gov/attorneygeneral/working-for-tennessee/consumer.html
Resources by Region (Find Your Local Aging Office and Key Help)
Your Area Agency on Aging & Disability (AAAD) is your best local starting point for meals, in-home help, caregiver support, and benefits counseling. If a link below changes, use TCAD’s website to find the current contact: https://www.tn.gov/aging.html
Region | Counties (examples) | AAAD/Key Site |
---|---|---|
Memphis/Shelby & surrounding | Shelby, Fayette, Lauderdale, Tipton | Aging Commission of the Mid-South: https://agingcommission.org/ |
Northwest Tennessee | Obion, Weakley, Henry, Dyer, Lake, Carroll, Benton, Gibson | Northwest TN AAAD (NWTDD): https://www.nwtdd.org/area-agency-on-aging-disability/ |
Southwest Tennessee | Hardeman, Haywood, Chester, Decatur, Hardin, Henderson, Madison, McNairy | Southwest TN AAAD (SWTDD): https://swtdd.org/aaad/ |
Middle Tennessee (Nashville area) | Davidson, Sumner, Robertson, Wilson, Cheatham, Dickson, Rutherford, Williamson, Maury | Greater Nashville Regional Council Aging & Disability: https://www.gnrc.org/aging-disability |
Mid-Cumberland | Surrounding Middle TN counties (outside Metro) | Mid-Cumberland HRA Aging & Disability: https://www.mchra.com/aging-and-disability-programs |
South Central | Giles, Hickman, Lawrence, Lewis, Marshall, Perry, Wayne | South Central TN AAAD (SCTDD): https://www.sctdd.org/aaad |
Upper Cumberland | Putnam, Cumberland, DeKalb, Fentress, Jackson, Overton, Pickett, Smith, Van Buren, Warren, White | Upper Cumberland AAAD (UCDD): https://www.ucdd.org/aaad/ |
East Tennessee | Anderson, Blount, Campbell, Claiborne, Grainger, Knox, Loudon, Monroe, Morgan, Roane, Scott, Sevier, Union | ETHRA Aging Services: https://www.ethra.org/programs/aging/ |
Southeast Tennessee | Hamilton (Chattanooga), Bradley, McMinn, Meigs, Polk, Rhea | Southeast TN AAAD (SETAAAD): https://www.setaaad.org/ |
Northeast Tennessee (Tri-Cities) | Washington, Sullivan, Carter, Greene, Hancock, Hawkins, Johnson, Unicoi | First TN AAAD (FTDD): https://www.ftdd.org/area-agency-on-aging-disability/ |
Additional local resources:
- Knoxville/Knox County CAC Office on Aging: https://www.knoxseniors.org/
- Davidson County (Nashville) services via GNRC: https://www.gnrc.org/aging-disability
- United Way/211 regional searches: https://tn211.org/
Frequently Asked Questions (Tennessee-Specific)
Q: I can’t pay my power bill and got a shutoff notice. What can I do today?
- Call your utility immediately to request hardship assistance and ask about medical necessity protections if you use essential medical equipment.
- Apply for LIHEAP with your local agency: https://thda.org/energy-programs/liheap
- Call 211 for emergency funds and cooling/warming centers: https://tn211.org/
Q: How fast can I get SNAP?
- If income and resources are very low, you may qualify for expedited service with benefits within 7 days. Apply at One DHS: https://onedhs.tn.gov/ and review USDA expedited guidelines: https://www.fns.usda.gov/snap/expedited-service
Q: My mom needs help at home. Is CHOICES faster than a nursing home?
- CHOICES can fund care at home or in a facility if TennCare financial and medical criteria are met. Neither option is “fast,” so apply early via TennCare Connect and ask your AAAD for help: https://tenncareconnect.tn.gov/ • https://www.tn.gov/aging.html
Q: Are there any emergency cash programs for seniors in Tennessee?
- Tennessee’s main supports are SNAP, LIHEAP, housing programs, and TennCare—not general cash aid. Some counties offer limited emergency funds through charities. Use 211 to locate options: https://tn211.org/
Q: Who can help me understand Medicare Advantage vs. Medigap?
- Contact Tennessee SHIP for free, unbiased counseling: https://www.tn.gov/aging/our-programs/state-health-insurance-assistance-program–ship-.html
Q: My landlord is evicting me. Where do I go?
- Call Legal Aid right away (check your regional office). Ask your local HUD Continuum of Care about prevention help: https://www.hud.gov/program_offices/comm_planning/coc/contact/coccontacts
- Dial 211 for shelters or short-term assistance.
Q: I’m a veteran and behind on rent. Is there veteran-specific help?
- Yes. SSVF programs can help with rent, utilities, and re-housing for eligible veterans: https://www.va.gov/homeless/ssvf/
- Contact TDVS for claims and benefits assistance: https://www.tn.gov/veteran.html
Q: I live in a rural county without transportation. What are my options?
- Check MyRide TN volunteer driver programs: https://www.tn.gov/aging/our-programs/transportation-assistance/myride-tn.html
- Call your AAAD and local transit provider for demand-response rides: https://www.tn.gov/tdot/multimodal-transportation-resources/public-transit.html
Q: How do I report suspected elder abuse?
- Call Tennessee Adult Protective Services at 888-277-8366 or file online: https://www.tn.gov/humanservices/adults/adult-protective-services.html
Q: Can I get help lowering my property taxes?
- Tennessee’s Property Tax Relief program helps qualifying seniors pay part of their property taxes. Review eligibility and how to apply: https://comptroller.tn.gov/office-functions/pa/property-taxes/property-tax-relief-program.html
Q: Does Tennessee have senior home repair programs?
- THDA’s Emergency Repair Program for the Elderly funds critical repairs for qualifying seniors. Start at https: https://thda.org/ and ask your AAAD about local partners.
Q: I lost my Medicare card in a storm. How do I replace it quickly?
- Create or log in to your Social Security account to print a replacement Medicare card: https://www.ssa.gov/
Q: Are there resources for LGBTQ+ seniors?
- Yes. 988 offers LGBTQ+ support: https://988lifeline.org/help-yourself/lgbtq/ and SAGE’s elder hotline provides peer support and resources: https://www.sageusa.org/what-we-do/sage-national-lgbt-elder-hotline/
Tables You Can Use
Table: Who to Call for Different Emergencies
Emergency | Call/Action | Source |
---|---|---|
Life-threatening | 911 | Local |
Mental health | 988; Tennessee Crisis 855-274-7471 | https://988lifeline.org/ • https://www.tn.gov/behavioral-health/crisis-services.html |
Elder abuse | APS 888-277-8366 | https://www.tn.gov/humanservices/adults/adult-protective-services.html |
Disaster | TEMA; FEMA if declared | https://www.tn.gov/tema.html • https://www.disasterassistance.gov/ |
No food today | 211; local food banks | https://tn211.org/ |
Utility shutoff | Your utility; LIHEAP | https://thda.org/energy-programs/liheap |
Table: Energy and Home Repair Programs
Program | What it covers | Admin | Link |
---|---|---|---|
LIHEAP | Heating/cooling bills; crisis help | THDA/local agencies | https://thda.org/energy-programs/liheap |
Weatherization | Insulation, air sealing, minor energy repairs | THDA/local agencies | https://thda.org/energy-programs/weatherization-assistance-program |
ERP for the Elderly | Critical home repairs for 60+ | THDA/local partners | https://thda.org/ |
Table: Food Assistance Options for Seniors
Program | What you get | Who qualifies | Where to start |
---|---|---|---|
SNAP | Monthly benefits to buy food | Income-based; seniors get deductions for medical expenses | https://onedhs.tn.gov/ |
Home-delivered meals | Meals to your home | Varies by AAAD availability | https://www.tn.gov/aging/our-programs/nutrition-services.html |
CSFP | Monthly food box (60+) | Low-income seniors | https://www.fns.usda.gov/csfp/state-contact-list |
SFMNP | Farmers’ market produce vouchers | Low-income seniors (seasonal) | https://www.tn.gov/aging.html |
Table: Medicare and Long-Term Care Help
Need | Program | Contact |
---|---|---|
Medicare billing/plan choices | SHIP counseling | https://www.tn.gov/aging/our-programs/state-health-insurance-assistance-program–ship-.html |
Help with Medicare drug costs | Extra Help (SSA) | https://www.ssa.gov/benefits/medicare/prescriptionhelp/ |
Help paying Medicare premiums | Medicare Savings Programs | https://www.medicare.gov/basics/costs/help/medicare-savings-programs |
Long-term care at home/facility | CHOICES (TennCare) | https://www.tn.gov/tenncare/long-term-services-supports/choices-in-long-term-services-and-supports.html |
Table: Property Tax Relief and Consumer Protection
Topic | Resource | Link |
---|---|---|
Property Tax Relief | TN Comptroller program | https://comptroller.tn.gov/office-functions/pa/property-taxes/property-tax-relief-program.html |
Property Tax Freeze | Local option | https://comptroller.tn.gov/office-functions/pa/consumers/property-tax-freeze-program.html |
Consumer scams/fraud | TN Attorney General Consumer Protection | https://www.tn.gov/attorneygeneral/working-for-tennessee/consumer.html |
Reality Checks, Warnings, and Tips
- Benefits take time. Start now, even if you’re still gathering documents.
- Don’t pay anyone to “guarantee” benefits. Official application help is free.
- After storms, verify contractors and never sign under pressure. Check with your city/county codes and the TN Attorney General’s site.
- For housing, get on multiple waitlists (PHAs, USDA, senior complexes) and keep your contact info updated with each office.
Resources (Official and Well-Established)
- Tennessee Commission on Aging & Disability (TCAD): https://www.tn.gov/aging.html
- TennCare (Medicaid): https://www.tn.gov/tenncare.html • Apply: https://tenncareconnect.tn.gov/
- TN Adult Protective Services: https://www.tn.gov/humanservices/adults/adult-protective-services.html
- TEMA (state emergencies): https://www.tn.gov/tema.html
- FEMA (federal disasters): https://www.disasterassistance.gov/ • TN: https://www.fema.gov/locations/tennessee
- THDA (LIHEAP, Weatherization, Housing & Repairs): https://thda.org/
- TN SNAP: https://www.tn.gov/humanservices/for-families/supplemental-nutrition-assistance-program-snap.html • Apply: https://onedhs.tn.gov/
- SHIP (Medicare counseling): https://www.tn.gov/aging/our-programs/state-health-insurance-assistance-program–ship-.html
- Long-Term Care Ombudsman: https://www.tn.gov/aging/our-programs/long-term-care-ombudsman.html
- HUD PHA contacts (TN): https://www.hud.gov/program_offices/public_indian_housing/pha/contacts/tn
- HUD CoC contacts: https://www.hud.gov/program_offices/comm_planning/coc/contact/coccontacts
- USDA Rural Rentals: https://rdmfhrentals.sc.egov.usda.gov/
- TALS/Help4TN (legal): https://www.tals.org/ • https://www.help4tn.org/
- TN Attorney General Consumer Protection: https://www.tn.gov/attorneygeneral/working-for-tennessee/consumer.html
- 988 Lifeline: https://988lifeline.org/
- TN Crisis Services: https://www.tn.gov/behavioral-health/crisis-services.html
- 211 Tennessee: https://tn211.org/
- Lifeline phone/internet: https://www.lifelinesupport.org/
- Census QuickFacts Tennessee: https://www.census.gov/quickfacts/TN
- VA Homeless Veterans and SSVF: https://www.va.gov/homeless/ • https://www.va.gov/homeless/ssvf/
- IHS Nashville Area: https://www.ihs.gov/nashville/
- USET: https://www.usetinc.org/
Disclaimer
Program details, eligibility rules, phone numbers, and links can change. Always verify information with the official agency or program website provided here. This guide is for general information and is not legal, medical, or financial advice.
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.