Delaware Senior Assistance Programs, Benefits, and Grants (2025)

Delaware Senior Benefits Guide 2025

Last Updated: June 18, 2025 | Sources verified monthly

---

Quick Start Guide

Need Help Now? Start with Delaware’s primary access point:

1. Delaware Aging and Disability Resource Center (ADRC): Call (800) 223-9074 – your one-stop entry point for all senior services
2. Delaware ASSIST Portal: assist.dhss.delaware.gov – apply for SNAP, Medicaid, and cash assistance online
3. Senior School Property Tax Relief: Up to $500 credit annually for homeowners 65+

Emergency Contacts:

• Delaware ADRC: (800) 223-9074
• Crisis Help: Dial 2-1-1
• Elder Abuse: (800) 223-9074

---

Key Takeaways

Bottom Line Up Front: Delaware offers over 30 assistance programs for low-income seniors, with the state’s small size creating a unique advantage – centralized services that are easier to navigate than larger states, but limited by smaller program budgets and fewer specialized options.

️ Delaware’s Reality: As the second-smallest state, Delaware runs a centralized system through the Aging and Disability Resource Center (ADRC) that serves as a single entry point for most senior services. This creates efficiency but also bottlenecks – one phone number gets you started, but wait times can be longer during peak periods.

Who This Guide Helps:

• Delaware residents aged 60+ with limited income
• Those earning less than 200% of federal poverty level
• Individual income under $31,200/year (2025)
• Couples earning under $42,480/year (2025)

Delaware Senior Demographics (U.S. Census Bureau, 2024):

• 219,957 seniors (21.3% of population – 4th highest percentage nationally)
• 7.9% live below poverty level
• 30.2% have disabilities
• 88.7% receive Social Security income
• Median age: 72.9 years

Critical Delaware Realities:

• High senior concentration: Sussex County is 30% seniors, creating both resources and competition
• Tax advantages: No sales tax, Social Security not taxed, low property taxes
• Limited urban transport: Outside Wilmington, seniors need cars or family support
• Centralized system: Most services funnel through ADRC, creating efficiency but potential delays
• Beach state costs: Coastal areas have seasonal price spikes affecting year-round seniors

Best Starting Points:

1. Call Delaware ADRC: (800) 223-9074 – single entry point for most services
2. Apply for Senior Property Tax Relief: Up to $500 annually
3. Use Delaware ASSIST Portal: Online application for multiple programs
4. Check Diamond State Health Plan eligibility: Delaware’s Medicaid program

---

Quick Reference: Major Programs

Income Eligibility Comparison Table

Note: Income limits are for individuals (2025). Couple limits are typically 135% of individual amounts. Asset limits exclude primary home and one vehicle.

---

What’s New in 2025

Program Updates and Enhancements:

• DEAP funding increased by 8% due to rising energy costs affecting Delaware seniors
• Senior Property Tax Relief maximum increased from $400 to $500 annually
• DPAP income limits raised to $45,900 individual, $62,100 couples
• ADRC expanded hours now available 8 AM – 5 PM weekdays
• Delaware ASSIST portal enhanced with simplified senior application process
• Transportation voucher program launched in Sussex County for medical appointments

Delaware-Specific Improvements:

• Mobile health clinics expanded to serve rural Sussex and Kent County areas
• Enhanced coordination between three Area Agencies on Aging
• New emergency assistance program for seniors affected by coastal flooding
• Prescription delivery program expanded statewide during severe weather

---

Delaware’s Unique Senior Advantages

Delaware offers distinct benefits for seniors that stem from its small size, strategic location, and business-friendly policies.

Tax Benefits for Seniors: Delaware provides significant tax advantages that make retirement income stretch further. Social Security benefits are completely exempt from state income tax, and there’s no state sales tax. Property taxes are among the lowest in the region, averaging $1,300 annually compared to $4,000+ in neighboring states. The Senior School Property Tax Relief Program provides additional savings of up to $500 annually.

Small State Efficiency: Delaware’s compact size creates operational advantages. The entire state is served by one centralized Aging and Disability Resource Center, making navigation simpler than states with dozens of regional agencies. Most state offices are within driving distance, and the three Area Agencies on Aging coordinate closely rather than competing for resources.

Strategic Location Benefits: Delaware seniors benefit from proximity to major metropolitan areas without paying their costs. Wilmington provides urban amenities and medical specialists, while remaining 30 minutes from Philadelphia’s world-class hospitals. Southern Delaware offers beach communities with lower costs than neighboring Maryland or New Jersey coastal areas.

Challenges of Scale: Delaware’s small size also creates limitations. Specialized programs that larger states can fund may not be cost-effective with Delaware’s senior population of 220,000. Wait times for services can be longer because there are fewer providers, and rural areas of Sussex County may lack the service density found in northern Delaware.

️ Delaware Reality Check: A senior living in Bethany Beach benefits from no sales tax and ocean access but may pay 40% more for housing than someone in inland Kent County. The same ADRC system serves both, but coastal seniors compete with seasonal residents for services, while rural seniors may drive an hour to reach specialized care.

---

Primary Access Points

Delaware Aging and Disability Resource Center (ADRC)

Your Single Entry Point for Senior Services: The ADRC serves as Delaware’s centralized access point for virtually all senior services, from initial information gathering to comprehensive care coordination.

ADRC Services and Coordination

Primary Functions:

• Comprehensive information and referral for all senior services
• Initial screening and eligibility determination for state programs
• Care coordination and service planning for complex needs
• Benefits counseling and application assistance
• Caregiver support and respite care coordination
• Long-term care options counseling and transition planning

Specialized Services:

• Home and community-based services assessment
• Nursing home transition assistance
• Medicare and insurance counseling through SHIP program
• Legal assistance referrals and advocacy
• Emergency response coordination for at-risk seniors
• Adult protective services intake and investigation coordination

How ADRC Works

Initial Contact Process:

1. Call the main number: (800) 223-9074 during business hours (8 AM – 5 PM, weekdays)
2. Screening conversation: ADRC staff will assess your immediate needs and situation
3. Service coordination: Based on needs, you’ll be connected to appropriate programs and providers
4. Follow-up planning: ADRC coordinates between different agencies and tracks your progress
5. Ongoing support: ADRC remains your primary contact for changes or additional needs

Service Areas and Coordination:

• New Castle County: Direct ADRC services plus coordination with urban providers
• Kent County: ADRC services with local senior center partnerships
• Sussex County: ADRC services plus coordination with beach community programs

ADRC Reality: The ADRC system works efficiently for straightforward needs like meal delivery or transportation, typically connecting seniors to services within 1-2 weeks. Complex cases requiring multiple services (like transitioning from hospital to home with care needs) may take 4-6 weeks to coordinate fully. During peak times (Monday mornings, post-holiday periods), phone wait times can extend to 20-30 minutes.

Contact Information:

• Statewide Hotline: (800) 223-9074
• Email: delawareadrc@delaware.gov
• Website: Delaware ADRC
• Physical Address: 1901 N. DuPont Highway, New Castle, DE 19720

Delaware ASSIST Portal {#assist-portal}

Online Application System for Multiple Benefits: Delaware ASSIST is the state’s integrated online portal for applying to multiple assistance programs simultaneously, designed to streamline the application process.

ASSIST Portal Programs

Available Applications:

• Supplemental Nutrition Assistance Program (SNAP/Food Supplement)
• Temporary Assistance for Needy Families (TANF)
• Delaware Medicaid (Diamond State Health Plan)
• Low Income Home Energy Assistance Program (LIHEAP/DEAP)
• Child Care Assistance Programs

Senior-Specific Features:

• Simplified application flow for seniors 60+
• Pre-populated fields based on Social Security information
• Document upload capability for required verification
• Application status tracking and updates
• Direct connection to ADRC for additional services

Using the ASSIST Portal

Getting Started:

1. Create account: Visit assist.dhss.delaware.gov
2. Identity verification: Provide Social Security number and basic information
3. Select programs: Choose which benefits to apply for (can select multiple)
4. Complete application: Answer questions for each selected program
5. Upload documents: Submit required verification documents
6. Submit and track: Monitor application status online

Required Documentation:

• Social Security card and Medicare card
• Photo identification (driver’s license or state ID)
• Proof of Delaware residency (utility bills, lease, voter registration)
• Income verification from all sources
• Bank statements from all accounts (most recent 3 months)
• Medical insurance information

ASSIST Portal Reality: The online system works well for seniors comfortable with technology, typically processing applications within 10-15 business days. However, approximately 40% of Delaware seniors prefer phone or in-person assistance due to digital literacy challenges. The system can be slow during peak application periods (beginning of month, after benefit announcements), and complex cases often require follow-up phone calls to resolve documentation issues.

Technical Support:

• ASSIST Help Desk: (302) 255-9500
• In-person assistance: Available at all Division of Social Services offices
• Senior-specific help: ADRC staff can assist with ASSIST applications

---

Financial Assistance Programs

Senior School Property Tax Relief Program

Delaware’s Premier Senior Tax Benefit: This state-funded program provides annual property tax credits directly reducing school property taxes for eligible senior homeowners, offering significant financial relief in a state known for tax-friendly policies.

Property Tax Relief Eligibility

2025 Eligibility Requirements:

• Age 65+ by December 31st of tax year
• Own and occupy property as primary residence
• Delaware residency for at least 3 consecutive years
• Total household income below $40,000 annually
• Property must be assessed at less than $200,000

2025 Credit Amounts:

• Maximum credit: $500 annually
• Sliding scale based on income and property value
• Applied directly to school property tax bill
• Reduces taxes dollar-for-dollar, not as percentage

Application Process

How to Apply:

1. Application period: January 1 – July 1 annually (strict deadline)
2. Where to apply: County Assessment Office in your county of residence
3. Required documents: Income verification, property deed, identification
4. Processing time: 30-45 days after submission
5. Credit applied: Appears on fall property tax bill

County Assessment Offices:

• New Castle County: (302) 395-5555 – 87 Read’s Way, New Castle
• Kent County: (302) 744-2305 – 555 Bay Road, Dover
• Sussex County: (302) 855-7878 – 2 The Circle, Georgetown

Property Tax Reality: This credit provides substantial relief, but the application deadline is firm – no late applications accepted. The income limit of $40,000 excludes many middle-income seniors who still struggle with property taxes. The program served approximately 8,500 seniors in 2024, with average credits of $385. Coastal property owners often exceed the $200,000 assessment limit due to beach proximity premiums.

Credit Calculation Example:

• Senior with $35,000 income, $150,000 assessed home
• School property taxes: $1,200 annually
• Tax relief credit: $450
• Net school property taxes: $750 (37.5% reduction)

Supplemental Security Income (SSI)

Federal Cash Assistance for Delaware’s Most Vulnerable Seniors: SSI provides monthly cash payments to seniors with extremely limited income and resources, serving as the foundation of support for Delaware’s poorest older adults.

2025 SSI Benefits:

• Maximum federal payment: $967/month for individuals
• Maximum for couples: $1,450/month
• Delaware provides no state supplement (unlike neighboring states)
• Average payment in Delaware: $634/month

Eligibility Requirements:

• Age 65+ or disabled
• Income below $1,255/month (includes Social Security, pensions, work earnings)
• Assets below $2,000 individual, $3,000 couple
• U.S. citizenship or qualified immigrant status
• Delaware residency established

Apply: Social Security Administration or call (800) 772-1213

SSI Reality in Delaware: While Delaware’s lack of state supplement means lower payments than neighboring Maryland or Pennsylvania, SSI recipients automatically qualify for Diamond State Health Plan (Medicaid), SNAP, and utility assistance. The combination of benefits often provides more value than the cash payment alone. Delaware’s efficient processing through the Wilmington Social Security office typically results in faster determinations than the national average.

Senior Community Service Employment Program (SCSEP) {#scsep}

Part-Time Work for Older Adults: SCSEP provides paid training and employment opportunities for low-income adults 55+ in Delaware, offering work experience while building skills for permanent employment.

Program Benefits:

• Paid training at Delaware minimum wage ($11.75/hour in 2025)
• Work up to 20 hours per week ($235/week maximum)
• Skills development in areas like computer literacy, customer service, and administration
• Resume writing assistance and interview preparation
• Job placement assistance for permanent employment
• Annual physical exam and supportive services

Eligibility Requirements:

• Age 55 or older
• Unemployed at time of enrollment
• Family income below 125% of poverty level ($1,640/month individual)
• Not receiving other federal employment training assistance

Host Sites in Delaware:

• State and local government offices (clerical and administrative work)
• Public schools and libraries (educational support)
• Senior centers and community organizations (program assistance)
• Nonprofit organizations (various support roles)
• Healthcare facilities (non-medical support positions)

Apply: Contact Delaware Division of Services for Aging or call (302) 255-9390

SCSEP Work Reality: Delaware’s small size means fewer host sites than larger states, with most positions concentrated in Wilmington and Dover. Participants must actively seek permanent employment throughout the program, and Delaware’s strong job market provides good transition opportunities. The 20-hour limit ensures participants can maintain other benefits like SNAP and Medicaid.

Delaware Prescription Assistance Program (DPAP)

State Prescription Drug Assistance: DPAP helps eligible Delaware seniors reduce prescription drug costs through state subsidies and coordination with pharmaceutical assistance programs.

2025 Eligibility Requirements:

• Age 65+ or disabled adults
• Income below $45,900/year individual, $62,100/year couple
• Delaware residency for at least 6 months
• Not enrolled in Medicare Part D with adequate coverage
• Assets below specified limits (excludes home, car, personal items)

Program Benefits:

• Annual prescription assistance up to $3,000 per person
• Minimum copayment: $5 or 25% of prescription cost (whichever is higher)
• Coverage for most medications on Delaware Medicaid formulary
• Coordination with pharmaceutical manufacturer patient assistance programs
• Emergency prescription assistance for urgent needs

Application Process:

1. Complete DPAP application form
2. Provide income verification and medication list
3. Submit to Delaware Division of Medicaid and Medical Assistance
4. Receive approval notification within 30 days
5. Present DPAP card at participating pharmacies

DPAP Reality: While DPAP provides significant savings, the program operates on a first-come, first-served basis and funding can be exhausted before the end of the fiscal year. The income limits are relatively generous compared to other states, but the $3,000 annual limit may not cover seniors with multiple expensive medications. Approximately 2,400 Delaware seniors used DPAP in 2024, with average annual savings of $1,850.

Apply: Delaware Division of Medicaid and Medical Assistance or call (800) 996-9969

---

Healthcare & In-Home Care Programs

Diamond State Health Plan (Delaware Medicaid)

Comprehensive Healthcare Coverage: Diamond State Health Plan is Delaware’s Medicaid program providing healthcare coverage for eligible low-income seniors, often serving as secondary insurance alongside Medicare.

Diamond State Health Plan Eligibility

2025 Eligibility Criteria:

• Age 65+ or disabled adults
• Income below $1,732/month individual, $2,340/month couple
• Assets below $2,000 individual, $3,000 couple (home and car excluded)
• Delaware residency established
• U.S. citizenship or qualified immigrant status

Diamond State Health Plan Coverage

Comprehensive Benefits Include:

• Primary care physician visits and specialist consultations
• Hospital emergency room and inpatient care
• Prescription medications with minimal copays ($1-3 per prescription)
• Preventive services including annual wellness visits and screenings
• Mental health and substance abuse treatment
• Dental coverage (cleanings, extractions, emergency care, limited restorative)
• Vision care (eye exams, glasses when medically necessary)
• Medical transportation to appointments
• Durable medical equipment and supplies

Enhanced Services for Seniors:

• Care coordination for complex medical conditions
• Transition planning from hospital to home
• Coordination with Medicare for dual-eligible seniors
• Access to geriatric specialists and memory care

Application Process

1. Apply Online: Delaware ASSIST Portal
2. By Phone: Delaware Division of Social Services at (302) 255-9500
3. In Person: Visit local Division of Social Services office
4. Through ADRC: Call (800) 223-9074 for application assistance
5. Processing Time: 30-45 days for standard applications, 10 days for expedited cases

Diamond State Health Plan Reality: Delaware’s managed care approach provides good coordination of services, but the limited number of providers in the state can create longer wait times for specialists, particularly in Sussex County. Urban seniors in Wilmington have access to multiple hospitals and specialists, while rural seniors may travel 30+ miles for specialized care. The program works efficiently with Medicare for dual-eligible seniors.

Lifespan Waiver Program

Delaware’s Premier In-Home Care Program: The Lifespan Waiver provides comprehensive long-term care services to help seniors remain in their homes and communities rather than entering nursing facilities.

Lifespan Waiver Eligibility

Financial Criteria:

• Income below $2,829/month individual (300% of SSI federal benefit rate)
• Assets under $2,000 individual, $3,000 couple
• Must qualify for nursing home level of care medically
• Delaware residency required
• Age 65+ (or disabled adults 18+)

Medical Eligibility:

• Need assistance with 2+ activities of daily living (bathing, dressing, eating, toileting, mobility)
• Cognitive impairment requiring supervision and safety oversight
• Medical conditions requiring skilled nursing oversight or monitoring
• Assessment by state-certified evaluation team confirming nursing home level need

Lifespan Waiver Services

Comprehensive Care Package:

• Personal care assistants (up to 40 hours/week for intensive needs)
• Adult day services and respite care for family caregivers
• Home modifications (wheelchair ramps, grab bars, accessible bathrooms)
• Medical equipment and assistive technology (hospital beds, wheelchairs, communication devices)
• Emergency response systems and medical alert devices
• Transportation to medical appointments and essential services
• Case management and care coordination

Specialized Services:

• Skilled nursing visits for medication management and health monitoring
• Physical, occupational, and speech therapy services
• Nutritional counseling and meal planning assistance
• Medication management and organization support

Application Process

1. Contact ADRC: Call (800) 223-9074 for initial screening
2. Medical Assessment: Comprehensive evaluation by certified assessment team (2-3 hours)
3. Financial Review: Submit income, asset, and insurance documentation through ASSIST portal
4. Service Plan Development: Work with case manager to create individualized care plan
5. Provider Selection: Choose from approved service providers in your area
6. Service Authorization: Begin receiving approved services

⏰ Lifespan Waiver Reality: Delaware’s small size means fewer waiver slots relative to demand, with waiting lists of 60-180 days common. The state serves approximately 2,100 seniors through the waiver program, with priority given to those at immediate risk of nursing home placement. Rural areas face provider shortages, potentially limiting service hours or requiring longer travel times for caregivers.

Service Areas:

• New Castle County: Full provider network, moderate wait times
• Kent County: Adequate providers, some travel required for specialized services
• Sussex County: Limited providers, longer wait times, may require travel from other counties

Medicare Savings Programs (MSP)

Medicare Premium and Cost-Sharing Assistance: MSPs help eligible Delaware seniors pay Medicare premiums, deductibles, and copayments, significantly reducing out-of-pocket healthcare costs.

MSP Program Types (2025)

Additional Benefits:

• QMB recipients cannot be balance-billed by Medicare providers
• Automatic enrollment in Medicare Part D Extra Help
• Protection from Medicare premium increases

Apply: Through Delaware ASSIST Portal or contact ADRC at (800) 223-9074

---

Housing Assistance Programs

Delaware State Housing Authority (DSHA) Programs

Federal and State Housing Assistance: DSHA administers multiple housing programs to help Delaware seniors afford safe, decent housing throughout the state.

Section 8 Housing Choice Vouchers

How the Program Works: Delaware seniors receive portable vouchers allowing them to pay only 30% of their income toward rent, with the program covering the remainder up to fair market rent limits.

2025 Program Details:

• Income limits: 50% of Area Median Income (varies by county)
• New Castle County: $31,200 individual, $35,650 couple
• Kent County: $28,400 individual, $32,450 couple
• Sussex County: $29,100 individual, $33,250 couple

Current Wait Times:

• Statewide voucher program: 3-5 years (waiting list currently closed)
• Senior-specific developments: 2-4 years
• Emergency priority: 6-12 months for seniors facing homelessness

2025 Fair Market Rents:

• New Castle County: $1,285/month (1-bedroom), $1,542/month (2-bedroom)
• Kent County: $1,156/month (1-bedroom), $1,387/month (2-bedroom)
• Sussex County: $1,198/month (1-bedroom), $1,438/month (2-bedroom)

Section 8 Reality Check: Delaware’s small rental market creates challenges finding landlords who accept vouchers, particularly in desirable areas near beaches or Wilmington. The waiting list reopens periodically for brief periods, often filling within hours. Seniors should apply to multiple programs and consider relocating within Delaware to areas with better housing availability.

Contact: Delaware State Housing Authority – (302) 577-5001

Senior Housing Developments

Age-Restricted Affordable Housing: Delaware operates and coordinates several housing developments specifically designed for seniors with income restrictions and supportive services.

Major Senior Housing Developments:

Marydale Retirement Village (Wilmington):

• 108 one-bedroom affordable apartments for seniors 62+
• Income limit: $35,400 individual, $40,400 couple
• Monthly rent: $650-850 (includes utilities)
• On-site services: meal programs, transportation, social activities
• Wait time: 18-24 months
• Contact: (302) 368-2784

Canterbury Manor (Dover):

• 65 units for seniors 55+
• Income limit: $32,100 individual, $36,700 couple
• Monthly rent: $575-725 (utilities separate)
• On-site services: community center, health screenings
• Wait time: 12-18 months
• Contact: (302) 734-1849

Beach Housing Options (Sussex County):

• Multiple small developments near coastal areas
• Higher income limits due to area costs: $42,000-48,000 individual
• Monthly rent: $800-1,200 (premium for beach proximity)
• Limited availability due to high demand from retirees
• Wait times: 2-4 years

️ Senior Housing Reality: Coastal Sussex County housing fills quickly due to Delaware’s popularity as a retirement destination. Inland options in Kent County offer shorter waits and lower costs but less access to amenities. New Castle County provides best access to medical services but highest competition for units.

Delaware Emergency Housing Programs

Crisis Housing Assistance: Multiple programs provide emergency housing support for seniors facing immediate homelessness or housing crises.

Available Programs:

Delaware Emergency Housing Program:

• Emergency shelter placement for up to 90 days
• Rental assistance to prevent eviction
• Security deposit assistance for new housing
• Coordination with Salvation Army and other shelters
• Contact: (302) 255-9875

Rapid Rehousing for Seniors:

• Short-term rental assistance (3-12 months)
• Case management and supportive services
• Priority for seniors 62+ experiencing homelessness
• Income requirements: below 30% Area Median Income
• Contact: Through ADRC (800) 223-9074

Housing Alliance Delaware:

• Emergency financial assistance for rent and utilities
• Homeless prevention services
• Coordination with faith-based organizations
• Volunteer housing placement program
• Contact: (833) 346-2333

---

Food Assistance Programs

SNAP (Food Supplement Program)

Monthly Food Benefits: Delaware’s Food Supplement Program provides monthly electronic benefits for purchasing food, with special provisions for seniors that make qualification easier and benefits more generous.

2025 Maximum Monthly Benefits:

• Individual seniors: $291/month
• Senior couples: $535/month
• Average benefit in Delaware: $198/month individual

Senior-Specific Eligibility (60+):

• Gross income below $1,732/month individual, $2,340/month couple
• Net income below $1,331/month individual after deductions
• Assets below $4,500 individual, $7,250 couple (higher than non-seniors)
• Work requirements waived for adults 60+

Important Deductions for Delaware Seniors:

• Medical expenses over $35/month (including Medicare premiums, prescriptions)
• Standard medical deduction of $250/month for adults 60+ with qualifying expenses
• Shelter costs over 50% of income
• Standard utility allowance if responsible for utilities
• Dependent care costs if applicable

Application Process:

1. Apply online at Delaware ASSIST Portal
2. Complete phone interview within 7 days of application
3. Provide income verification, medical bills, and asset documentation
4. Receive Delaware Food First Card within 7-10 days if approved
5. Recertify every 24 months (vs. 12 months for younger adults)

SNAP Reality for Delaware Seniors: Many eligible seniors don’t apply due to stigma or misconceptions about eligibility. Delaware’s efficient processing typically approves applications within 15 days. The medical expense deduction is particularly valuable, as Medicare premiums and prescription costs can significantly increase benefits. Benefits are accepted at all major grocery stores and many farmers markets throughout Delaware.

Where to Use SNAP in Delaware:

• All major grocery stores (Acme, Giant, Food Lion, Walmart, Royal Farms)
• Farmers markets with SNAP/EBT acceptance (12 locations statewide)
• Online purchases from Amazon and Walmart for grocery delivery
• Select convenience stores for emergency food purchases

Senior Farmers Market Nutrition Program (SFMNP)

Fresh Produce Vouchers: SFMNP provides $50 in annual vouchers for purchasing fresh fruits, vegetables, and herbs from authorized farmers markets and farm stands throughout Delaware.

Voucher Details:

• $50 in vouchers per eligible person annually
• Valid June 1 through October 31 each year
• Can purchase fresh fruits, vegetables, cut herbs, and honey
• Cannot purchase processed foods, plants, seeds, or prepared foods

Eligibility:

• Age 60+, income below 185% of poverty level ($2,430/month individual)
• Delaware residency required
• First-come, first-served distribution at participating sites

Distribution Sites (2025):

• New Castle County: 6 senior centers (approximately 800 vouchers available)
• Kent County: 4 senior centers (approximately 500 vouchers available)
• Sussex County: 8 senior centers and community centers (approximately 1,200 vouchers available)
• Statewide total: Approximately 2,500 seniors served annually

Authorized Farmers Markets:

• Wilmington Farmers Market (Saturdays, Tubman-Garrett Riverfront Park)
• Dover Farmers Market (Saturdays, Legislative Mall)
• Bethany Beach Farmers Market (Thursdays, Town Hall)
• Lewes Farmers Market (Saturdays, Zwaanendael Park)
• Various farm stands throughout Kent and Sussex counties

SFMNP Reality: Vouchers are distributed in late May and often run out within hours at popular sites, particularly in Sussex County where competition from seasonal residents is high. The program’s short season (June-October) limits usefulness for year-round fresh produce needs. Distribution is coordinated through Area Agencies on Aging.

Congregate and Home-Delivered Meals {#meals-program}

Nutrition Services for Delaware Seniors: Delaware provides both congregate meals at senior centers and home-delivered meals for homebound seniors throughout the state.

Congregate Meal Program:

• Hot, nutritious meals served at senior centers and community sites
• Social interaction and community engagement opportunities
• Nutrition education and health screenings
• Suggested donation of $3.50 but no one refused service
• Serves approximately 1,200 meals daily statewide

Home-Delivered Meals:

• Hot meals delivered to homebound seniors’ residences
• Typically 5 meals per week (Monday through Friday)
• Includes safety check and social contact
• Special diets available (diabetic, low-sodium, pureed textures)
• Emergency meals available during severe weather

Eligibility:

• Age 60+ (priority to 75+ and minorities)
• For home-delivered meals: homebound due to illness, disability, or lack of transportation
• No income requirements but suggested donations based on ability to pay
• Spouse of any age eligible if living with eligible senior

Service Areas:

• New Castle County: Daily congregate meals at 15 sites, home delivery countywide
• Kent County: Daily congregate meals at 8 sites, home delivery countywide
• Sussex County: Daily congregate meals at 12 sites, home delivery with some rural gaps

️ Meals Reality: Demand often exceeds capacity, particularly for home-delivered meals which have waiting lists of 2-4 weeks in New Castle County. Rural Sussex County areas may have limited delivery due to distance and volunteer availability. The program serves approximately 450,000 meals annually to Delaware seniors.

Contact: Through Delaware ADRC or local Area Agency on Aging

---

Utility Assistance Programs

Delaware Energy Assistance Program (DEAP)

Critical Energy Bill Support: DEAP provides essential assistance with heating and cooling costs during Delaware’s temperature extremes, helping prevent utility shutoffs and maintain safe home temperatures.

2025 Assistance Amounts:

• Regular energy assistance: $200-1,200 per household annually
• Crisis assistance: Up to $600 for emergency situations
• Equipment repair/replacement: Up to $1,500 for heating/cooling system repairs
• Weatherization services to improve energy efficiency

Eligibility Requirements:

• Income below 200% of poverty level ($3,081/month individual, $4,160/month couple)
• Delaware residency and responsibility for paying energy costs
• Priority given to seniors 60+, disabled individuals, and households with children under 6

Application Periods:

• Regular DEAP: November 1 – March 31 annually
• Crisis assistance: Available year-round for emergencies
• Summer cooling assistance: June 1 – August 31 for extreme heat

How to Apply:

1. Contact Delaware Division of Social Services at (302) 255-9500
2. Apply online through Delaware ASSIST Portal
3. Provide income verification for all household members
4. Submit recent utility bills and shutoff notices if applicable
5. Receive assistance paid directly to utility company

️ DEAP Reality: Delaware’s smaller program means funding can be exhausted by February in high-demand years. Applications should be submitted in November for best chances. The state’s mild climate means lower heating costs than northern neighbors, but summer cooling needs have increased with climate change. Crisis assistance remains available year-round but is limited to once per 12-month period.

Local DEAP Offices:

• New Castle County: (302) 255-9500 – 1901 N. DuPont Highway, New Castle
• Kent County: (302) 744-9600 – 805 River Road, Dover
• Sussex County: (302) 856-5720 – 546 S. Bedford Street, Georgetown

Good Neighbor Energy Fund

Utility Company Assistance: A collaborative program between Delmarva Power and community organizations providing emergency energy assistance.

Program Benefits:

• Bill payment assistance for Delmarva Power customers experiencing hardship
• Emergency assistance to prevent utility shutoffs
• Weatherization education and referrals
• Energy efficiency program coordination

Eligibility:

• Current Delmarva Power customer
• Demonstrated financial hardship
• Delaware residency
• Must have exhausted other assistance options first

Application Process:

1. Contact Delmarva Power Customer Service at (800) 375-7117
2. Request Good Neighbor Energy Fund application
3. Provide income verification and utility bills
4. Submit completed application to Salvation Army for review
5. Receive assistance paid directly to utility account

⚡ Good Neighbor Fund Reality: This program relies on customer donations and may have limited funding during economic downturns. Response times are typically faster than government programs, often providing assistance within 48-72 hours of approval. The program serves approximately 800 Delaware households annually.

Lifeline and Affordable Connectivity Programs

Discounted Phone and Internet Service: Federal programs providing reduced-cost telecommunications for qualifying low-income Delaware seniors.

Program Benefits:

• Lifeline: $9.25 monthly discount on phone or internet service
• Affordable Connectivity Program: Up to $30 monthly internet discount (if funding continues)
• Emergency Broadband Benefit: Additional support during emergencies
• Device discounts available through participating providers

Eligibility:

• Income below 135% of federal poverty guidelines, OR
• Participation in qualifying programs (Diamond State Health Plan, SNAP, SSI, DEAP)
• Delaware residency required

Participating Providers in Delaware:

• Verizon Wireless
• Xfinity/Comcast
• T-Mobile
• AT&T

Apply: Contact participating providers directly or visit GetEmergencyBroadband.org

---

Dental Care Options

Delaware Technical Community College Dental Programs

Low-Cost Dental Care: Delaware Tech provides dental services through its dental hygiene and dental assisting programs, offering affordable care provided by supervised students.

Services Available:

• Dental cleanings and oral health screenings
• Basic restorative care (fillings, simple extractions)
• Oral health education and preventive care
• Limited emergency dental services

Costs:

• Cleanings: $25-35 (vs. $150-200 at private practices)
• Basic fillings: $45-75 (vs. $200-300 private)
• X-rays: $15-25 (vs. $80-120 private)
• Emergency extractions: $65-85 (vs. $250-400 private)

Locations:

• Wilmington Campus: 300 N. Orange Street – (302) 571-5343
• Dover Campus: 100 Campus Drive – (302) 857-1240
• Georgetown Campus: 21179 College Drive – (302) 259-6150

Appointment Scheduling:

• Academic calendar affects availability (limited summer/winter sessions)
• Initial appointments typically scheduled 3-4 weeks out
• Complex treatments may require multiple visits over several months
• Priority given to Delaware residents and seniors

Delaware Tech Reality: Student clinics operate on academic schedules with reduced availability during breaks. Appointments take longer than private practice due to educational requirements, but care quality is high under faculty supervision. Wait times can extend to 6-8 weeks during peak academic periods.

Westside Family Healthcare

Community Health Center Dental Services: Provides dental care at multiple locations throughout Delaware with sliding fee scales based on income.

Locations and Services:

• Dover: 18 S. New Street – (302) 678-3020
• Newark: 1802 W. Newport Pike – (302) 366-1590
• Wilmington Northeast: 2101 N. Lincoln Street – (302) 656-4855
• Wilmington Central: 1802 W. 4th Street – (302) 654-5623

Services Provided:

• Comprehensive dental cleanings and exams
• Restorative care (fillings, crowns, bridges)
• Emergency dental treatment
• Oral surgery referrals for complex cases
• Dentures and partial dentures

Sliding Fee Scale:

• Based on federal poverty guidelines
• Seniors below 100% FPL: $25-40 per visit
• Seniors 100-200% FPL: $45-75 per visit
• Maximum fees: 60% below private practice rates

Diamond State Health Plan Dental Coverage

Medicaid Dental Benefits: Diamond State Health Plan provides dental coverage for eligible seniors, with enhanced benefits for preventive care.

Covered Services:

• Preventive care (cleanings, exams, fluoride treatments) – fully covered
• Basic restorative care (fillings, simple extractions) – $5-15 copay
• Emergency dental treatment – covered in full
• Dentures (full and partial) – $25-50 copay
• Limited oral surgery – prior authorization required

Finding Providers:

• Use Diamond State Health Plan provider directory online
• Community health centers often accept Medicaid dental
• Limited number of private dentists accept Medicaid patients

Medicaid Dental Reality: While coverage is comprehensive, finding providers who accept Medicaid can be challenging. Urban areas have better provider networks, while rural Sussex County may require travel to Dover or Wilmington for specialized care. Wait times for non-emergency appointments can extend to 6-8 weeks.

---

Transportation Services

DART First State Public Transportation

Statewide Transit Services: Delaware’s public transportation system offers various options with significant discounts and specialized services for seniors.

Senior Benefits:

• Reduced fares: 50% discount on all regular routes (age 65+)
• Paratransit services: Door-to-door service for seniors unable to use regular buses
• Free rides: Available on specific senior appreciation days
• Route planning assistance: Staff help with trip planning

Service Areas:

• New Castle County: Comprehensive bus network serving Wilmington and suburbs
• Kent County: Limited routes connecting Dover to major destinations
• Sussex County: Beach area seasonal service plus year-round routes to medical facilities

Paratransit Services:

• Advanced reservation required (24-48 hours)
• $3.00 per trip (vs. $6.00 regular rate for seniors)
• Wheelchair accessible vehicles available
• Service area covers ¾ mile radius of fixed bus routes

Contact: DART First State – (302) 760-2900

Transportation Reality: Delaware’s rural areas, particularly western Sussex County, have very limited public transit. Many seniors rely on family, volunteer drivers, or medical transport services. Paratransit service can have longer wait times during peak medical appointment hours (9 AM – 3 PM).

Medical Transportation Services

Non-Emergency Medical Transportation (NEMT): Available for Diamond State Health Plan recipients who have no other means of transportation to medical appointments.

Services Provided:

• Transportation to doctor appointments and medical procedures
• Pharmacy trips for prescription medications
• Medical equipment pickup and delivery
• Wheelchair accessible vehicles when needed

How to Schedule:

1. Call Delaware NEMT provider at (302) 571-4454
2. Schedule trips at least 24 hours in advance (48 hours preferred)
3. Provide Diamond State Health Plan ID number and appointment details
4. Confirm pickup time and location

Service Limitations:

• Limited to medical necessity transportation only
• May require advance notice for wheelchair accessible vehicles
• Service availability varies by region and weather conditions
• No transportation for family members unless medically necessary

Sussex County Transportation Innovation

Rural Transportation Solutions: Sussex County has developed specialized transportation programs to serve its large senior population.

Senior Medical Transport Voucher Program:

• $40/month in transportation vouchers for medical appointments
• Can be used with approved volunteer driver programs
• Available to seniors 65+ with income below 150% poverty level
• Covers transportation to medical appointments within 50 miles

Volunteer Driver Programs:

• Faith-based transportation networks
• Senior center volunteer programs
• Neighbor-to-neighbor ride coordination
• Background-checked volunteer drivers

Contact: Sussex County Office on Aging – (302) 855-7878

---

Veteran Benefits {#veteran-benefits}

Delaware Commission of Veterans Affairs

State-Level Veteran Support: Provides comprehensive assistance helping veterans access federal benefits and Delaware-specific programs.

Primary Services:

• VA disability compensation claims assistance and appeals
• Help applying for VA pension benefits and Aid and Attendance
• Healthcare enrollment and coordination with VA medical centers
• Emergency financial assistance for veterans in crisis
• Property tax exemptions and other state benefits

Delaware Veterans Programs:

• Property tax exemption: Up to $2,500 assessed value exemption for disabled veterans
• Emergency financial assistance: Up to $1,500 for housing, utilities, medical expenses
• Employment assistance: Job placement and training programs
• Legal assistance: Free legal aid for service-connected issues

Contact:

• Main Office: (302) 739-2792 – 802 Silver Lake Blvd, Dover
• New Castle County: (302) 323-4430 – Wilmington VA Medical Center
• Sussex County: (302) 515-3040 – Georgetown State Service Center

VA Delaware Healthcare System

Federal VA Medical Care: Delaware is served by the Wilmington VA Medical Center and community-based outpatient clinics.

Main Locations:

• Wilmington VA Medical Center: (302) 994-2511 – 1601 Kirkwood Highway
• Dover VA Clinic: (302) 678-3080 – 1198 S. Governors Avenue
• Georgetown VA Clinic: (302) 515-3060 – 16746 S. DuPont Highway

Services Provided:

• Primary care and specialty medical services
• Mental health and substance abuse treatment
• Prescription medications at reduced costs ($8-11 copays)
• Emergency and urgent care services
• Rehabilitation therapy and prosthetic services

VA Aid and Attendance Pension

Enhanced Pension for Care Needs: Provides additional monthly payments to veterans and surviving spouses who need assistance with daily activities.

2025 Maximum Monthly Benefits:

• Veteran without dependents: $1,936
• Veteran with one dependent: $2,266
• Surviving spouse: $1,244
• Married couple (both veterans): $2,846

Eligibility Requirements:

• Wartime veteran with at least 90 days active duty
• Discharged under conditions other than dishonorable
• Income and net worth below $138,489 (2025 limit)
• Medical eligibility: needs help with daily activities or homebound

Application Process:

1. Contact Delaware Commission of Veterans Affairs for free assistance
2. Gather military discharge papers (DD-214 or equivalent)
3. Collect comprehensive medical records documenting care needs
4. Complete VA Form 21-527EZ with detailed income and asset information
5. Submit application and await decision (typically 4-8 months)

️ Aid and Attendance Reality: Delaware’s efficient veterans service system typically processes applications faster than the national average. The benefit can be combined with other veteran programs and isn’t counted as income for most other benefits. Approximately 1,200 Delaware veterans receive Aid and Attendance benefits.

Delaware Veterans Trust Fund

State Emergency Assistance: Nonprofit organization providing emergency financial assistance to Delaware veterans and their families.

Available Assistance:

• Emergency rent and mortgage payments
• Utility bills to prevent service disconnection
• Medical expenses not covered by insurance
• Vehicle repairs necessary for work or medical appointments
• Emergency food and clothing assistance

Eligibility:

• Delaware veteran or family member
• Demonstrated financial emergency
• Have exhausted other available resources
• Emergency situation (eviction notice, utility shutoff, etc.)

Application Process:

1. Contact Delaware Veterans Trust Fund at (302) 644-9401
2. Complete emergency assistance application
3. Provide documentation of emergency and financial situation
4. Receive decision within 48-72 hours
5. Assistance paid directly to creditors when possible

Contact: Delaware Veterans Trust Fund – (302) 644-9401

---

Legal Assistance Programs

Delaware Legal Services Programs

Free Legal Aid for Low-Income Seniors: Multiple organizations provide legal assistance to low-income Delaware seniors on civil matters affecting their housing, benefits, healthcare, and safety.

Community Legal Aid Society (CLASI):

• Housing issues (evictions, unsafe conditions, landlord-tenant disputes)
• Public benefits appeals (SNAP, Diamond State Health Plan, SSI)
• Healthcare access and insurance problems
• Consumer protection and debt collection defense
• Estate planning and advance directives

Eligibility:

• Income below 200% of federal poverty level ($2,640/month individual)
• Delaware residency required
• Priority given to seniors 60+ and disabled adults

Contact Information:

• New Castle County: (302) 575-0660 – 100 W. 10th Street, Wilmington
• Kent County: (302) 678-8870 – 840 Walker Road, Dover
• Sussex County: (302) 856-0038 – 204 N. Bedford Street, Georgetown

Delaware Legal Services for Seniors

Specialized Elder Law Services: Funded through the Delaware Division of Services for Aging, providing targeted legal assistance for seniors.

Services:

• Social Security and Medicare problems
• Age discrimination cases
• Elder abuse and financial exploitation
• Nursing home rights and quality issues
• Guardianship and conservatorship matters

Eligibility:

• Age 60+ (priority given to seniors 65+)
• Income below 150% of federal poverty level
• Delaware residency for at least 6 months

Contact: Through Delaware ADRC or legal aid organizations above

Delaware Attorney General’s Office

Consumer Protection and Elder Abuse Prevention: Provides resources and assistance for seniors facing scams, fraud, and financial exploitation.

Services:

• Consumer complaint investigation and mediation
• Elder abuse reporting and investigation coordination
• Educational resources on common scams targeting seniors
• Healthcare fraud reporting and investigation
• Identity theft assistance and recovery

Contact:

• Consumer Protection Unit: (302) 577-8600
• Elder Abuse Hotline: (800) 223-9074 (through ADRC)
• Online: Delaware Attorney General

---

County Resources

Delaware Area Agencies on Aging

County-Specific Services

New Castle County Services:

• 15 senior centers with daily programming
• Extensive public transportation network
• Multiple hospitals and specialist care
• Urban meal delivery and congregate dining
• Enhanced volunteer programs due to population density

Kent County Services:

• 8 senior centers serving rural communities
• Mobile health clinics and outreach programs
• Agricultural community connections
• Transportation assistance for medical appointments
• Coordination with Dover-area medical facilities

Sussex County Services:

• 12 senior centers plus seasonal beach programs
• Specialized services for year-round vs. seasonal residents
• Beach community transportation during summer months
• Coordination with resort area healthcare
• Volunteer programs utilizing retiree population

County Reality: New Castle County offers the most comprehensive services due to urban density and proximity to major medical centers. Kent County balances rural challenges with central location advantages. Sussex County manages seasonal population fluctuations that can strain services during summer months but provide volunteer resources year-round.

---

Emergency Resources

Delaware Adult Protective Services

Elder Abuse Prevention and Response: Investigates reports of abuse, neglect, and exploitation of vulnerable adults, including seniors with disabilities or cognitive impairment.

Types of Situations Investigated:

• Physical abuse, neglect, and endangerment
• Financial exploitation and scams targeting seniors
• Sexual abuse and inappropriate conduct
• Emotional abuse, intimidation, and isolation
• Self-neglect creating dangerous living conditions

Reporting Requirements:

• 24-Hour Reporting Hotline: (800) 223-9074 (through ADRC)
• Online reporting portal: Available through Delaware DHSS website
• Mandatory reporters: Healthcare workers, financial institutions, caregivers
• Anonymous reporting: Accepted but may limit investigation options

Delaware Emergency Management Agency

Emergency Preparedness for Seniors: Coordinates emergency response and provides resources for seniors during natural disasters and emergencies.

Senior-Specific Emergency Services:

• Emergency shelter coordination for seniors with medical needs
• Medication and medical equipment assistance during evacuations
• Transportation for seniors during mandatory evacuations
• Coordination with nursing homes and assisted living facilities

Coastal Emergency Considerations:

• Hurricane evacuation assistance for seniors
• Flood emergency response in coastal areas
• Severe weather sheltering for seniors without family support
• Emergency generator programs for medical equipment

Contact:

• Emergency Management: (302) 659-3362
• Emergency Shelter Information: (800) 223-9074 (through ADRC)

211 Delaware

Comprehensive Crisis Information: 211 provides 24/7 access to information about local resources for seniors facing any type of crisis or emergency need.

Available 24/7 Services:

• Emergency food, shelter, and utility assistance
• Mental health crisis intervention and suicide prevention
• Healthcare resources and prescription assistance programs
• Transportation for emergency medical appointments
• Legal assistance and domestic violence resources
• Disaster relief and emergency shelter information

Contact Methods:

• Phone: Simply dial 2-1-1 from any phone
• Online: 211Delaware.org
• Text: Text your ZIP code to 898211 for local resources

---

Application Success Strategies

Essential Documentation for Delaware Programs

Universal Documents Required:

• Delaware driver’s license or state-issued identification card
• Social Security card and current award letter showing benefit amounts
• Birth certificate or U.S. passport for citizenship verification
• Proof of Delaware residency (utility bills, lease, voter registration)
• Bank statements from all accounts (most recent 3 months)
• Income verification from all sources (Social Security, pensions, employment)

Program-Specific Documentation Requirements:

For Diamond State Health Plan and Lifespan Waiver:

• Medicare cards and supplement insurance information
• Complete medical records from all treating physicians
• List of current medications and dosages
• Documentation of functional limitations for waiver services

For Housing Programs:

• Rental history with landlord contact information
• Credit reports (available free annually from each credit bureau)
• Employment history for previous 2 years
• Asset verification including retirement accounts

For Energy Assistance:

• Recent utility bills from all energy providers
• Shut-off notices if applicable
• Lease agreement or mortgage statement
• Income verification for all household members

Navigating Delaware’s Centralized System

Starting with ADRC: The Delaware ADRC system is designed as a single entry point, but understanding how to use it effectively can save time and ensure comprehensive service:

1. Prepare before calling: Have basic information ready (income, medical conditions, living situation)
2. Be specific about needs: Describe immediate concerns first, then broader needs
3. Ask about coordination: Request that ADRC coordinate multiple services rather than calling separate agencies
4. Request follow-up: Ask for a case manager if you have complex needs
5. Document conversations: Keep notes on who you spoke with and what was discussed

Using Delaware ASSIST Effectively:

• Create account during off-peak hours (mid-week, mid-day) for better performance
• Save application frequently to avoid losing information
• Upload documents in recommended formats (PDF preferred)
• Complete all sections before submitting to avoid delays
• Check application status weekly online

Recommended Application Sequence

Priority Application Order:

1. Diamond State Health Plan – Essential for healthcare coverage
2. SNAP – Quick processing provides immediate food assistance
3. Senior Property Tax Relief – Apply during annual window (January-July)
4. DEAP – Apply early in season (November) before funding depleted
5. Housing assistance – Get on waiting lists immediately
6. Lifespan Waiver – Begin early if needing care assistance due to lengthy process

Timeline Management:

• Submit applications at least 60 days before urgent need when possible
• Track renewal dates and recertification deadlines carefully
• Request written confirmation of all application submissions
• Set calendar reminders 45 days before renewal deadlines

Getting Help with Applications

Free Application Assistance:

• Delaware ADRC: Primary source for application help across all programs
• Senior centers: Often have trained volunteers to assist with paperwork
• Community Legal Aid Society: Helps with complex applications and appeals
• Division of Social Services offices: Staff assistance with ASSIST portal applications

When to Seek Professional Help:

• Multiple application denials for programs you believe you qualify for
• Complex family situations (disabled spouse, caring for grandchildren)
• Language barriers or difficulty understanding written materials
• Appeals processes for denied benefits requiring legal knowledge

---

Avoiding Scams

Delaware-Specific Senior Scams

Beach Property Investment Scams: Delaware’s coastal popularity creates opportunities for real estate investment scams targeting seniors. Scammers offer “guaranteed” rental income properties or vacation home investments that don’t exist or are vastly overvalued.

Medicare Advantage Marketing Scams: Delaware’s high senior concentration attracts aggressive Medicare marketing. Scammers use high-pressure tactics, particularly targeting beach communities and senior housing developments.

Utility Shutoff Scams: Scammers impersonate Delmarva Power, claiming seniors’ power will be shut off unless immediate payment is made through gift cards or wire transfers. These scams spike during summer months when cooling costs rise.

Government Benefits Application Scams: Companies charge seniors large fees to help apply for benefits that are available for free through ADRC and other legitimate organizations. These particularly target seniors unfamiliar with Delaware’s centralized system.

Hurricane/Storm Recovery Scams: Following coastal storms, scammers offer immediate home repairs or storm damage restoration, often targeting seniors in coastal communities with door-to-door solicitation.

Warning Signs and Red Flags

Immediate Danger Signals:

• Upfront fees required for government benefits: Legitimate programs never charge application fees
• Guaranteed approval promises: No legitimate service can guarantee benefit approval
• High-pressure tactics: Legitimate agencies allow time to review options
• Unsolicited contact requesting personal information: Government agencies don’t call asking for Social Security numbers
• Payment demands via gift cards or wire transfers: Government agencies never request these payment methods

Protection Strategies

Verification Procedures:

1. Hang up on suspicious calls and independently call official numbers to verify
2. Check contractor licenses through Delaware Division of Professional Regulation: (302) 744-4500
3. Verify Medicare communications by calling Medicare directly: (800) 633-4227
4. Confirm utility emergencies by calling Delmarva Power using numbers from bills

Safe Practices:

• Never provide personal information to unsolicited callers
• Get all service agreements in writing before paying anything
• Take time to review contracts with trusted family members or friends
• Keep detailed records of all communications and transactions
• Be especially cautious during times of crisis or emergency

Report Scams To:

• Delaware Attorney General’s Office: (302) 577-8600
• Federal Trade Commission: ReportFraud.ftc.gov
• Delaware Better Business Bureau: (302) 737-4996
• Adult Protective Services: (800) 223-9074 for financial exploitation

---

Frequently Asked Questions

Q: What’s the difference between Delaware ADRC and calling individual agencies? A: The ADRC is designed as your single entry point for all senior services in Delaware. Rather than calling multiple agencies, the ADRC can assess your needs, determine eligibility for multiple programs, and coordinate services. This saves time and ensures you don’t miss programs you’re eligible for. Individual agencies may only focus on their specific services.

Q: How long will I wait for Lifespan Waiver services if approved? A: After Lifespan Waiver approval, service start times vary by region and provider availability. New Castle County typically has 2-4 week waits, while Kent and Sussex counties may have 4-8 week waits. The program prioritizes seniors at immediate risk of nursing home placement. Delaware serves approximately 2,100 seniors through the waiver with waiting lists of 60-180 days.

Q: Can I receive both SSI and Delaware Senior Property Tax Relief? A: Yes, you can receive both if you meet the separate eligibility requirements for each program. SSI is federal cash assistance, while property tax relief is a Delaware state program for homeowners. However, if you receive SSI, you automatically qualify for Diamond State Health Plan (Medicaid) and SNAP, which may provide more total value than the tax relief.

Q: I live in Sussex County where costs are higher due to the beach. Are there special programs? A: While most programs have statewide eligibility, Sussex County has some unique resources due to its large senior population. The county offers transportation voucher programs, enhanced volunteer driver networks, and seasonal services that account for beach community needs. However, housing assistance income limits are the same statewide, which can make programs less accessible in high-cost coastal areas.

Q: What should I do if my DEAP application is denied or funding runs out? A: First, appeal the DEAP decision through the Division of Social Services – many denials are due to missing paperwork. For immediate assistance, contact the Good Neighbor Energy Fund through Delmarva Power at (800) 375-7117. Local churches and community organizations also provide emergency utility assistance, coordinated through 211 Delaware.