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

Maine Senior Benefits Guide – Programs for  Seniors (2025)

Last Updated: June 19, 2025

---

Key Takeaways {#key-takeaways}

Bottom Line Up Front: Maine offers over 35 assistance programs for low-income older adults, but the state’s rural geography, harsh winters, and status as having the oldest median age in the nation (22.9% of population is 65+) create unique challenges requiring specialized navigation strategies.

Maine’s Reality: As the oldest state in America with extensive rural areas, Maine seniors face distinct challenges including winter heating costs, limited rural transportation, and isolation from services. The Property Tax Fairness Credit and winter heating assistance programs are often the difference between staying in their homes or losing them.

Who This Guide Helps:

• Maine older adults 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)

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

• 320,120 older adults (22.9% of population – highest in nation)
• 9.4% live below poverty level
• 29.2% have disabilities
• 88.2% rely on Social Security
• Median age: 73.1 years

Critical Maine Realities:

• Oldest state in America: Highest concentration of seniors with unique needs
• Rural isolation: Many live far from services, healthcare, and support
• Harsh winters: Heating costs can consume 25-40% of senior income
• Limited transportation: Most rural areas have no public transit
• Healthcare access: Limited specialists and long travel distances

Best Starting Points:

1. Apply for Property Tax Fairness Credit if you pay property tax or rent: Up to $2,000 cash refund for seniors 65+
2. Contact Maine Office of Aging and Disability Services: (207) 287-9200
3. Apply for HCBS Waiver if you need daily care assistance
4. Check winter heating assistance: Apply for HEAP before winter

---

Quick Reference: Major Programs {#quick-reference}

---

What’s New in 2025 {#whats-new-2025}

Program Updates and Enhancements:

• Property Tax Fairness Credit increased to $2,000 for seniors 65+ (up from $1,500 in 2024)
• Property Tax Deferral Program expanded with income limit raised to $80,000 and assets to $100,000
• Property Tax Stabilization Program eliminated – replaced with enhanced Fairness Credit and Deferral
• HCBS Waiver capacity increased with new service slots available
• Enhanced winter heating assistance through expanded HEAP program
• Streamlined MaineCare applications with improved online portal

Maine-Specific Improvements:

• Expanded rural broadband access improving telehealth options
• Additional home weatherization funding for energy efficiency
• Enhanced transportation services in rural counties
• Simplified applications for seniors who don’t typically file taxes

---

Maine’s Unique Senior Challenges {#maine-challenges}

Maine presents distinct obstacles for older adults that require specialized program responses and community solutions.

The Nation’s Oldest Population: Maine has the highest percentage of seniors (22.9%) of any state in America, creating unprecedented demand for senior services. This aging population often lives in older homes requiring expensive maintenance and heating, on fixed incomes that haven’t kept pace with rising costs.

Rural Isolation and Service Deserts: Two-thirds of Maine is rural, with many seniors living in isolated areas far from medical care, grocery stores, and social services. Some rural residents live 30-60 minutes from the nearest hospital, and winter weather can make travel impossible for days.

Harsh Winters and Energy Costs: Maine’s long, cold winters create life-threatening situations for seniors who can’t afford heating fuel. Heating oil, propane, and wood costs can consume 25-40% of a senior’s income during winter months. Power outages during ice storms can be deadly for seniors dependent on electric medical equipment.

Limited Transportation Infrastructure: Outside of Portland and a few other cities, Maine has virtually no public transportation. Many seniors must rely on family, friends, or volunteer drivers for essential trips. Winter driving conditions make travel dangerous for older adults with slower reflexes.

Healthcare Access Challenges: Rural Maine faces critical shortages of healthcare providers, particularly specialists. Seniors may travel 2-3 hours for specialized care, creating barriers to regular medical management of chronic conditions.

Economic Pressures: While Maine’s cost of living is generally lower than urban areas in other states, seniors on fixed incomes struggle with property taxes, heating costs, and limited employment opportunities for supplemental income.

Maine Reality Check: A senior living in rural Aroostook County may face a 2-hour drive to Bangor for specialty medical care, $3,000+ annual heating costs, and property taxes that have doubled in recent years. Winter isolation can last for months, making programs like Meals on Wheels and emergency heating assistance literal lifelines.

---

Property Tax Relief {#property-tax-relief}

Property Tax Fairness Credit {#property-tax-fairness-credit}

Maine’s Most Valuable Senior Benefit: The Property Tax Fairness Credit (often called the “Circuit Breaker”) is a refundable tax credit that provides direct cash refunds to Maine residents whose property taxes or rent consume too large a portion of their income. For seniors 65+, the maximum credit is $2,000 annually.

Property Tax Fairness Credit Eligibility Requirements

2025 Eligibility Criteria:

• Maine residency during any part of the tax year
• Own or rent a home in Maine as primary residence
• Property tax exceeds 4% of adjusted gross income (homeowners)
• Rent exceeds 40% of adjusted gross income (renters)
• Income limits vary by household size (see table below)

2025 Income Limits:

• Single person: $50,000 adjusted gross income
• Married couple: $65,000 adjusted gross income
• Each additional dependent: +$10,000

How the Property Tax Fairness Credit Works

For Homeowners:

• Credit equals 50% of property taxes exceeding 4% of income
• Maximum credit: $1,000 general population, $2,000 for seniors 65+
• Example: Senior with $25,000 income and $2,500 property tax
  • 4% of income = $1,000 threshold
  • Excess property tax = $1,500
  • Credit = 50% of $1,500 = $750

For Renters:

• 15% of annual rent considered “property tax equivalent”
• Same formula applies to this calculated amount
• Must pay rent exceeding 40% of income to qualify

Property Tax Fairness Credit Application Process

How to Apply:

1. File Maine income tax return (Form 1040ME)
2. Complete Schedule PTFC (Property Tax Fairness Credit)
3. Submit by April 15 or request extension
4. You can file even if you don’t owe income tax
5. Refund issued if credit exceeds tax owed

Required Documentation:

• Property tax bills or rent receipts
• Income documentation (Social Security statements, pensions, work income)
• Maine residency verification

Fairness Credit Reality: Many seniors who don’t normally file taxes miss this benefit. You can file Form 1040ME solely to claim this credit, even with zero tax liability. The application process can take 3-6 months, and you can claim credits for up to 3 years retroactively if you missed filing.

Get Help Filing:

• Free tax preparation available at senior centers statewide
• AARP Tax-Aide volunteers trained on senior tax issues
• Maine Revenue Services: (207) 624-9784

Property Tax Deferral Program {#property-tax-deferral}

Lifeline Loan Program: The Property Tax Deferral Program allows eligible seniors to defer paying property taxes by having the state pay them as a loan that’s repaid when the property is sold or becomes part of an estate.

2025 Program Enhancements:

• Income limit raised to $80,000 adjusted gross income
• Asset limit increased to $100,000 (excluding home and car)
• Interest rate remains at market rates

Eligibility Requirements:

• Age 65+ or permanently disabled
• Own and occupy home as primary residence
• Income below $80,000 annually
• Assets below $100,000 (excluding home, car, personal property)
• Current on all property taxes

How It Works:

• State pays your annual property tax bill
• Amount becomes a lien on your property
• Loan accumulates interest at state-set rate
• Repayment required when property sold or owner dies
• No monthly payments required

Application Process:

1. Apply to Maine Revenue Services between January 1 – April 1
2. Submit to local tax assessor for verification
3. Assessor forwards to state for final approval
4. Approval allows deferral for current and future years

Apply: Contact Maine Revenue Services Property Tax Division: (207) 624-5600

Homestead Exemption

Universal Property Tax Reduction: The Homestead Exemption reduces property taxes for all Maine homeowners by exempting $25,000 of assessed value from taxation.

Benefits:

• $25,000 reduction in taxable property value
• Available to all homeowners regardless of age or income
• Must own and occupy home for 12 months
• Saves $300-600 annually depending on local tax rates

Apply: Contact your local tax assessor by April 1st annually

---

Healthcare Programs {#healthcare-programs}

Home and Community Based Services (HCBS) Waiver {#hcbs-waiver}

Maine’s Premier In-Home Care Program: The HCBS Waiver (officially called the MaineCare Elderly and Adults with Disabilities Waiver) provides comprehensive long-term care services to help older adults remain in their homes and communities rather than entering nursing facilities.

HCBS Waiver Eligibility Requirements

2025 Financial Eligibility:

• Income below $2,901/month for individuals (300% of Federal Benefit Rate)
• Assets below $10,000 individual, $15,000 couple
• Maine residency required
• Must require nursing home level of care
• Age 65+ or disabled adults 21-64

Spousal Protections:

• Non-applicant spouse minimum income allowance: $2,555/month
• Community Spouse Resource Allowance: up to $157,920 in assets
• Non-applicant spouse income not counted

HCBS Waiver Services Covered

Core Services Available:

• Personal care assistance (bathing, dressing, meal preparation)
• Homemaker services (light housekeeping, laundry, shopping)
• Adult day services and respite care
• Personal emergency response systems (PERS)
• Home modifications (ramps, grab bars, stair lifts)
• Assistive technology and adaptive equipment
• Home-delivered meals
• Non-emergency medical transportation
• Nursing services and skilled therapy
• Case management and care coordination

Participant-Directed Services:

• Option to hire your own caregivers, including adult children
• More flexibility in service delivery and scheduling
• Cannot hire spouses as caregivers
• Financial management assistance provided

HCBS Waiver Application Process and Wait Lists

Current Wait List Status: Maine’s HCBS Waiver has approximately 3,900 funded slots with waiting lists in most regions. Wait times vary significantly:

• Urban areas (Portland, Bangor, Lewiston): 6-12 months typical wait
• Rural areas: 12-24 months or longer
• Priority populations: Immediate or expedited placement available

Priority Categories for Immediate Placement:

1. People at risk of abuse or neglect
2. Individuals with ALS (Lou Gehrig’s disease)
3. People transitioning from nursing facilities
4. Those losing other critical supports

Application Process:

1. Contact Maine DHHS Office of Aging and Disability Services: (207) 287-9200
2. Complete MaineCare Long Term Care application
3. Medical assessment to determine nursing home level of care
4. Financial eligibility review
5. If eligible but no slots available, placed on waiting list by date of application

⏰ HCBS Waiver Reality: The waiting list operates strictly by date of application, with some seniors waiting 18-24 months in rural areas. Priority categories can receive immediate placement. While waiting, seniors may qualify for Consumer Directed Attendant Services (CDAS) which has shorter wait times but more limited services.

Alternative While Waiting:

• Consumer Directed Attendant Services (CDAS): Personal care with shorter wait times
• Private duty nursing: For complex medical needs
• Adult day services: Available in some areas without waiver

MaineCare (Maine Medicaid) {#mainecare}

Healthcare Coverage for Low-Income Seniors: MaineCare is Maine’s version of Medicaid, providing comprehensive healthcare coverage for eligible older adults.

Eligibility for Seniors (65+):

• Income below $1,677/month individual, $2,266/month couple (2025)
• Assets below $2,000 individual, $3,000 couple
• Maine residency and U.S. citizenship or qualified immigration status

Coverage Includes:

• Primary care and specialist visits
• Hospital emergency and inpatient care
• Prescription medications with small copays
• Preventive services and screenings
• Mental health and substance abuse treatment
• Dental care (limited to emergency and basic services)
• Vision care (eye exams, basic glasses)
• Medical equipment and supplies
• Non-emergency medical transportation

Apply: My Maine Connection portal or call (855) 797-4357

Drugs for the Elderly and Disabled (DEL) Program {#del-program}

Prescription Drug Assistance: The DEL Program provides significant discounts on prescription medications for eligible Maine seniors and disabled adults.

Program Benefits:

• 25-60% savings on most prescription medications
• Coverage for medications not covered by Medicare Part D
• No enrollment fee or monthly premium
• Works alongside other insurance

Eligibility Requirements:

• Age 62+ or disabled adults
• Income between 175-350% of federal poverty level
• Maine residency for at least 6 months
• Medicare Part D enrollment may affect eligibility

2025 Income Limits:

• 175% FPL: $2,305/month individual, $3,116/month couple
• 350% FPL: $4,610/month individual, $6,232/month couple

Apply: Contact Maine Department of Health and Human Services: (207) 287-3707

Maine Health Access Foundation Programs

Additional Healthcare Support: Various programs provide healthcare access and prescription assistance for uninsured and underinsured seniors.

Available Programs:

• Free and charitable care at hospitals (for income under 150% FPL)
• Prescription assistance through pharmaceutical companies
• Community health centers with sliding fee scales
• Specialty care access programs

---

Financial Assistance Programs {#financial-assistance}

Supplemental Security Income (SSI) {#ssi}

Federal Cash Assistance: SSI provides monthly cash payments to older adults with limited income and resources to help cover basic needs. Maine SSI recipients automatically qualify for MaineCare and often SNAP.

2025 SSI Benefits:

• Maximum monthly payment: $967 for individuals, $1,450 for couples
• Average payment in Maine: $618/month
• Automatic qualification for MaineCare and often SNAP

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 immigration status
• Maine residency established

Apply: SSA.gov or call 1-800-772-1213

Senior Community Service Employment Program (SCSEP)

Part-Time Work for Older Adults: SCSEP provides paid training and employment opportunities for low-income adults 55+ who want to continue working.

Program Benefits:

• Paid training at federal minimum wage ($7.25/hour for 20 hours/week = $290/month)
• Skills development and job training
• Resume writing and interview preparation
• Job placement assistance for permanent employment
• Annual physical exam and supportive services

Eligibility Requirements:

• Age 55 or older
• Unemployed and seeking work
• Family income below 125% of poverty level ($1,640/month individual)
• Not receiving other government employment assistance

Apply: Contact your local Area Agency on Aging

General Assistance Program

Emergency Financial Aid: Maine’s General Assistance provides emergency help with basic necessities for residents facing immediate crises.

Available Assistance:

• Emergency rent or mortgage payments
• Utility bills to prevent shutoff
• Heating fuel assistance
• Emergency food assistance
• Medical expenses not covered by insurance

Eligibility:

• Maine residency
• Income and assets below program limits
• Demonstrated immediate need
• Have applied for all other available assistance

Apply: Contact your municipal General Assistance office

---

Housing Assistance Programs {#housing-assistance}

MaineHousing Programs

State Housing Authority: MaineHousing administers multiple programs to help seniors with housing costs, repairs, and accessibility modifications.

Section 8 Housing Choice Vouchers

Rental Assistance: Section 8 vouchers allow seniors to pay only 30% of their income toward rent in qualified rental properties.

2025 Income Limits (Maine):

• Cumberland County (Portland): $42,350 individual, $48,400 couple
• Penobscot County (Bangor): $35,200 individual, $40,200 couple
• Rural areas: $31,850 individual, $36,400 couple

Current Wait Lists:

• Greater Portland: 2-4 years
• Bangor area: 1-3 years
• Rural areas: 6 months-2 years

Apply: Contact MaineHousing: (207) 624-5700

Home Repair and Weatherization Programs

Critical Home Repairs: MaineHousing provides grants and low-interest loans for essential home repairs and energy improvements.

Available Programs:

• Emergency Repair Program: Up to $15,000 for critical health and safety repairs
• Accessibility Modifications: Ramps, grab bars, stair lifts for aging in place
• Weatherization Assistance: Free energy efficiency improvements
• Lead Paint Removal: For homes built before 1978

Eligibility:

• Income below 80% area median income
• Own and occupy home as primary residence
• Home must be primary residence for at least one year

USDA Rural Development Programs

Rural Housing Assistance: Federal programs specifically for rural Maine residents help with home repairs and housing costs.

Section 504 Home Repair Program

Home Repair Grants and Loans: Provides funding for essential home repairs in rural areas.

Program Benefits:

• Grants up to $10,000 for seniors 62+ (very low income)
• Loans up to $40,000 at 1% interest
• Combination loans and grants available
• 20-year repayment terms for loans

Eligible Repairs:

• Accessibility modifications (ramps, grab bars, wider doorways)
• Roof and structural repairs
• Plumbing and electrical updates
• Heating system repairs and improvements
• Well and septic system repairs

Eligibility:

• Age 62+ for grants, any age for loans
• Income below 50% area median income for grants
• Own and occupy home in rural area (population under 35,000)
• Unable to obtain affordable credit elsewhere

Apply: USDA Rural Development Maine: (207) 990-9106

Emergency Shelter and Housing Programs

Crisis Housing Assistance: Various programs provide emergency shelter and housing for homeless seniors or those at risk.

Available Services:

• Emergency shelter placement
• Transitional housing programs
• Rapid rehousing assistance
• Housing stability case management
• Connection to permanent housing resources

Contact: Maine Coalition for Housing and Homelessness: (207) 623-2981

---

Food Assistance Programs {#food-assistance}

Supplemental Nutrition Assistance Program (SNAP) {#snap}

Monthly Food Benefits: SNAP provides monthly electronic benefits for purchasing food at grocery stores and farmers markets. Maine seniors often qualify for simplified application processes.

2025 Maximum Monthly Benefits:

• Individual older adults: $291/month
• Senior couples: $535/month
• Average benefit in Maine: $164/month individual

Eligibility for Adults 60+:

• Gross income below $2,600/month individual, $3,526/month couple
• Net income below $2,000/month individual after deductions
• Assets below $4,500 individual, $7,250 couple (higher than younger adults)
• Work requirements waived for adults 60+

Allowable Deductions:

• Medical expenses over $35/month (including Medicare premiums)
• Rent or mortgage payments over half of income
• Utilities (standard deduction or actual expenses)
• Dependent care costs

Application Process:

1. Apply online at My Maine Connection
2. Complete phone interview within 7 days
3. Provide income verification and medical bills
4. Receive EBT card within 7-10 days if approved
5. Recertify eligibility every 24 months for seniors

SNAP Shopping Reality: SNAP benefits work at all major Maine grocery stores (Hannaford, Shaw’s, Walmart, IGA) and participating farmers markets. Benefits typically last 2-3 weeks of the month for most seniors, requiring careful meal planning.

Commodity Supplemental Food Program (CSFP)

Monthly Food Boxes for Seniors: CSFP distributes USDA commodity foods specifically designed for seniors 60+.

What’s Included:

• Canned fruits and vegetables (6-8 cans)
• Protein items like canned chicken, tuna, peanut butter
• Grains including pasta, rice, cereal
• Dairy products when available (cheese, powdered milk)
• Items specifically selected for senior nutritional needs

Eligibility:

• Age 60+
• Income below 130% of poverty level ($1,715/month individual)
• Maine residency

Distribution Sites: Available through most Area Agencies on Aging and food banks statewide

Maine Senior FarmShare Program

Fresh Local Produce: This program connects eligible seniors with shares of fresh, locally grown produce from Maine farms.

Program Benefits:

• Weekly shares of fresh fruits and vegetables during growing season
• Support for local Maine farmers
• Nutrition education and cooking tips
• Community connections through farm visits

Eligibility:

• Age 60+
• Income below 185% of poverty level ($2,430/month individual)
• Maine residency

Meals on Wheels and Senior Nutrition Programs

Home-Delivered and Congregate Meals: Comprehensive nutrition programs provide meals and social interaction for Maine seniors.

Home-Delivered Meals:

• Hot meals delivered to homebound seniors
• Typically 1-5 days per week depending on funding
• Special diets available (diabetic, low-sodium, texture-modified)
• Emergency meals during severe weather and power outages

Congregate Meals:

• Meals served at senior centers and community sites
• Social interaction and activities
• Nutrition education and health screenings
• Transportation often provided

Eligibility:

• Age 60+ (priority given to those 75+)
• Homebound status for home-delivered meals
• Suggested donation but no one turned away

Available Through: All Area Agencies on Aging statewide

---

Winter Heating Assistance {#winter-heating}

Home Energy Assistance Program (HEAP) {#heap}

Critical Winter Survival Program: HEAP provides essential assistance with heating costs during Maine’s long, cold winters – often the difference between staying warm and facing hypothermia for seniors on fixed incomes.

HEAP Program Components

Regular HEAP Benefits:

• One-time annual payment toward heating bills
• Amount varies by household size, income, and fuel type
• Covers heating oil, propane, natural gas, electricity, wood, coal
• Applications accepted September through April

Emergency HEAP:

• Emergency fuel delivery when tank empty or near empty
• Crisis intervention for heating system repairs
• Available year-round for heating emergencies
• Priority for households with members 60+ or disabled

2025 HEAP Benefit Amounts:

• Household of 1: $300-1,200 depending on income and fuel costs
• Household of 2: $400-1,500 depending on circumstances
• Additional amounts for extreme cold weather periods

HEAP Eligibility Requirements

Income Limits (2025):

• 60% of State Median Income or lower
• Household of 1: $3,400/month
• Household of 2: $4,450/month
• Limits increase with household size

Priority Groups:

• Households with members 60+ or under 6
• Disabled individuals
• Households with high energy burden (heating costs >20% of income)

HEAP Application Process

How to Apply:

1. Contact your local Community Action Program office
2. Complete HEAP application with required documentation
3. Provide income verification and heating bills
4. Benefits paid directly to fuel vendor or utility company

Required Documentation:

• Recent heating bills or fuel delivery receipts
• Income verification for all household members
• Social Security cards for all members
• Proof of Maine residency

❄️ HEAP Winter Reality: HEAP is often oversubscribed, with funding running out before the end of winter. Apply as early as possible when applications open in September. Emergency HEAP requires 48-72 hours for processing, which can be life-threatening during extreme cold snaps.

Local HEAP Providers:

• Aroostook County: Aroostook County Action Program: (207) 768-3301
• Cumberland County: Community Concepts: (207) 799-9082
• Penobscot County: Penquis: (207) 973-3500
• Washington County: Sunrise County Economic Council: (207) 255-0983

Utility Assistance Programs

Additional Winter Heating Help: Various utility companies and nonprofits provide emergency heating assistance.

Central Maine Power (CMP) Programs:

• Low Income Assistance Program: Monthly bill credits
• Arrearage Management Program: Help with past-due bills
• Emergency assistance: For immediate shutoff threats
• Contact: (800) 696-1000

Versant Power (formerly Bangor Hydro):

• Low Income Discount: Monthly rate reductions
• Payment arrangement plans
• Emergency assistance programs
• Contact: (855) 363-7211

Northern Utilities (Natural Gas):

• Residential Low Income Program: Rate discounts
• Budget billing plans
• Emergency assistance
• Contact: (800) 282-8610

Weatherization Assistance Program

Free Energy Efficiency Improvements: Weatherization provides permanent improvements to reduce heating costs for qualifying seniors.

Services Provided:

• Insulation installation (attic, wall, basement)
• Air sealing to reduce drafts
• Heating system tune-ups and minor repairs
• Window and door weatherization
• Programmable thermostats
• Energy-efficient lighting

Eligibility:

• Income below 200% of federal poverty level
• Priority for seniors 60+ and disabled individuals
• Own or rent home (landlord permission required)

Apply: Contact your local Community Action Program

Emergency Fuel Programs

Crisis Heating Assistance: Various organizations provide emergency fuel delivery for seniors facing immediate heating crises.

Available Programs:

• Keep Maine Warm: Statewide emergency fuel fund
• Good Shepherd Food Bank: Emergency heating assistance
• Local churches and nonprofits: Community-specific programs
• Salvation Army: Emergency fuel vouchers

---

Dental Care Options {#dental-care}

Donated Dental Services (DDS)

Free Comprehensive Dental Care: DDS connects seniors with volunteer dentists who provide comprehensive dental care at no cost.

Services Provided:

• Complete dental treatment including crowns, bridges, dentures
• Oral surgery and specialized procedures
• Restorative care and extractions
• Follow-up care and maintenance

Eligibility:

• Age 65+ or permanently disabled
• Income below 200% of federal poverty level ($2,640/month individual)
• No dental insurance coverage

Apply: Dental Lifeline Network Maine or call (303) 534-5360

DDS Reality: While services are comprehensive and free, waiting lists can be 4-8 months. Emergency dental care is not available through this program. Rural seniors may need to travel to urban areas for treatment.

Community Dental Programs

Sliding Fee Dental Care: Federally Qualified Health Centers and community clinics provide dental care on sliding fee scales.

Major Providers:

Eastern Maine Healthcare Systems:

• Dental clinics in Bangor, Ellsworth, and rural locations
• Sliding fee scale based on income
• Contact: (207) 973-7088

HealthReach Community Health Centers:

• Dental services at multiple rural locations
• $50 fee for income-eligible seniors with remaining balance covered
• Contact: (207) 445-4777

Penobscot Community Health Care:

• Comprehensive dental services in Greater Bangor area
• Income-based fee reductions
• Contact: (207) 992-7200

MaineCare Dental Coverage

Limited Medicaid Dental: MaineCare provides basic dental coverage for eligible seniors.

Covered Services:

• Emergency dental treatment
• Tooth extractions
• Basic cleanings (limited frequency)
• Dentures (partial coverage)
• Pain management for dental emergencies

Limitations:

• No coverage for routine preventive care
• Limited provider network
• Long wait times for non-emergency procedures

---

Transportation Services {#transportation}

Regional Transportation Programs

Limited Public Transit: Maine has very limited public transportation, particularly in rural areas, creating significant challenges for seniors accessing healthcare, shopping, and social services.

Urban Transit Options:

Greater Portland Metro (Portland area):

• Fixed-route bus service throughout Greater Portland
• Reduced fares for seniors 65+ ($0.75 vs. $1.50)
• ADA paratransit services available
• Contact: (207) 774-0351

Bangor Community Connector:

• Bus service throughout Bangor area
• Senior discounts available
• Limited rural route connections
• Contact: (207) 992-4670

Lewiston-Auburn City Link:

• Local bus service for Twin Cities area
• Senior and disabled discounts
• Contact: (207) 333-3663

Rural Transportation Solutions

Community-Based Transportation: Rural Maine relies heavily on volunteer and community-based transportation programs.

Western Maine Transportation Services (WMTS):

• Scheduled and demand-response service
• Covers Franklin, Oxford, and parts of Androscoggin counties
• 50% senior discounts on many routes
• Some free routes for medical appointments
• Contact: (207) 369-2020

Downeast Transportation:

• Serves Washington County and eastern Hancock County
• Door-to-door service for seniors and disabled
• Medical appointments prioritized
• Contact: (207) 546-2997

York County Community Action:

• Transportation services throughout York County
• Priority for medical appointments and essential services
• Contact: (207) 324-5762

MaineCare Transportation

Medical Transportation: MaineCare provides non-emergency medical transportation for eligible members.

Services Provided:

• Transportation to medical appointments
• Pharmacy trips for prescription medications
• Rides to medical equipment providers
• Wheelchair accessible vehicles when needed

How to Schedule:

1. Call MaineCare transportation broker: (207) 287-5221
2. Schedule rides at least 48 hours in advance (72 hours preferred)
3. Provide MaineCare ID number and appointment details
4. Confirm pickup time and location

Limitations:

• Limited to medical appointments only
• Long advance notice required
• Service may be unavailable in very remote areas

Volunteer Driver Programs

Community Transportation: Many communities have volunteer driver programs specifically for seniors.

Faith-Based Programs:

• Most churches throughout Maine provide volunteer drivers
• Particularly strong in rural communities
• Contact local churches directly

Area Agency on Aging Programs:

• Most AAAs coordinate volunteer driver networks
• Priority for medical appointments and grocery shopping
• Contact your local Area Agency on Aging

Independent Transportation Network (ITN):

• Available in select Maine communities
• Membership-based service with volunteer drivers
• Contact: (207) 857-9001

Transportation Reality: Rural Maine seniors often face 30-60 minute drives to reach medical care, with winter weather making travel dangerous or impossible. Many rely on family members or neighbors, creating isolation when these supports aren’t available. Planning medical appointments during good weather and arranging transportation well in advance is essential.

---

Veteran Benefits {#veteran-benefits}

Maine Bureau of Veterans’ Services (MBVS)

State-Level Veteran Support: MBVS provides comprehensive assistance to help veterans access federal benefits and state-specific programs.

Primary Services:

• Assistance with VA disability compensation claims and appeals
• Help applying for VA pension benefits and Aid and Attendance
• Healthcare enrollment and coordination with VA medical centers
• Burial benefits and cemetery services coordination
• State veteran property tax exemptions
• Emergency financial assistance

MBVS Regional Offices:

• Augusta (Main Office): 117 State House Station – (207) 430-6035
• Bangor: 35 State Street – (207) 941-4620
• Caribou: 456 York Street – (207) 493-3461
• Portland: 151 Jetport Boulevard – (207) 780-4416

Veterans’ Emergency Financial Assistance (VEFA)

Emergency Aid for Veterans: VEFA provides up to $2,000 annually in emergency financial assistance for qualifying veterans facing crises.

Available Assistance:

• Emergency rent or mortgage payments
• Utility bills to prevent shutoff
• Emergency medical expenses
• Food assistance
• Transportation costs for medical care

Eligibility:

• Honorably discharged veteran
• Maine residency for at least 6 months
• Household income below 400% of federal poverty level
• Demonstrated emergency need
• Have applied for all other available assistance

Apply: Contact Maine Bureau of Veterans’ Services: (207) 430-6035

VA Aid and Attendance Pension

Enhanced Pension for Care Needs: Aid and Attendance provides additional monthly payments to veterans and surviving spouses who need help 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 asset limits apply (net worth below $138,489)
• Need assistance with activities of daily living or homebound

Maine Veterans’ Homes

State-Operated Senior Care: Maine operates six veterans’ homes providing nursing care, assisted living, and memory care.

Maine Veterans’ Home Locations:

Augusta Veterans’ Home:

• 310 beds for nursing care and memory care
• Specialized PTSD and TBI programs
• Contact: (207) 622-2454

Bangor Veterans’ Home:

• 120 beds for comprehensive care
• Alzheimer’s and dementia care units
• Contact: (207) 942-0336

Caribou Veterans’ Home:

• 40 beds serving northern Maine
• Rural location serving Aroostook County
• Contact: (207) 498-6077

Machias Veterans’ Home:

• 40 beds serving Downeast Maine
• Community-based care model
• Contact: (207) 255-0162

Scarborough Veterans’ Home:

• 120 beds near Portland
• Short-term rehabilitation services
• Contact: (207) 883-7184

South Paris Veterans’ Home:

• 120 beds serving western Maine
• Memory care and skilled nursing
• Contact: (207) 743-6333

Admission Requirements:

• Honorable military discharge
• Maine residency (waived for veterans needing care)
• Medical assessment confirming appropriate level of care
• Financial assessment for payment determination

VA Home and Community Based Services

VA Home Care Programs: Various VA programs provide in-home care and support services for eligible veterans.

Available Programs:

• Home Based Primary Care: Medical care in the home
• Skilled Home Health Care: Nursing and therapy services
• Homemaker and Home Health Aide Services: Personal care assistance
• Adult Day Health Care: Day programs with medical supervision

Apply: Contact VA Medical Center: (207) 623-8411

---

Legal Assistance Programs {#legal-assistance}

Legal Services for the Elderly (LSE)

Free Legal Services: LSE provides comprehensive legal assistance to low-income seniors throughout Maine.

Services for Seniors:

• Healthcare and insurance issues
• Social Security and Medicare problems
• Housing issues (evictions, landlord disputes)
• Consumer protection and elder abuse cases
• Estate planning and advance directives
• Nursing home residents’ rights

Eligibility:

• Age 60+ (some services available to younger disabled adults)
• Income below 125% of federal poverty level
• Maine residency required

Contact:

• Statewide: (800) 750-5353
• Portland: (207) 774-8211
• Bangor: (207) 942-8241

Long-Term Care Ombudsman Program

Nursing Home Advocacy: Ombudsmen investigate and resolve complaints regarding long-term care facilities and advocate for residents’ rights.

Services Provided:

• Investigation of complaints about nursing homes and assisted living
• Resident rights education and advocacy
• Assistance with facility transfers
• Mediation between residents and facilities
• Elder abuse reporting and prevention

Contact: Maine Long-Term Care Ombudsman – (800) 499-0229

Pine Tree Legal Assistance

General Legal Aid: Provides free legal assistance to low-income Mainers on various civil legal issues.

Services for Seniors:

• Housing and utilities issues
• Public benefits appeals and denials
• Healthcare access problems
• Consumer protection cases
• Family law issues

Eligibility:

• Income below 125% of federal poverty level
• Maine residency required
• Priority given to seniors and disabled individuals

Contact: (207) 774-8211 – Statewide helpline

Elder Abuse Prevention and Reporting

Protection Services: Maine has comprehensive elder abuse prevention and reporting systems.

Types of Abuse:

• Physical abuse and neglect
• Financial exploitation and scams
• Sexual abuse
• Emotional abuse and intimidation
• Self-neglect in dangerous situations

Reporting Elder Abuse:

• Adult Protective Services: (800) 624-8404
• Law enforcement: For immediate danger situations
• Long-Term Care Ombudsman: For facility-related abuse

---

Regional Resources {#regional-resources}

Maine Area Agencies on Aging Contact Directory

Maine has five Area Agencies on Aging that provide comprehensive services to seniors throughout the state.

Area Agency Services

Comprehensive Regional Support: Each Area Agency provides essential coordination and services for seniors in their designated counties.

Standard AAA Services:

• Information and referral to local resources
• Meals on Wheels and senior nutrition programs
• Transportation assistance and coordination
• In-home services and homemaker assistance
• Caregiver support and respite services
• Health insurance counseling (SHIP program)
• Legal assistance and advocacy
• Senior center programming and activities
• Case management services
• Emergency assistance programs
• Benefits application assistance

Rural Service Challenges

Service Delivery in Remote Areas: Rural Maine faces unique challenges in providing services to seniors due to geographic isolation and limited resources.

Common Rural Challenges:

• Limited or no public transportation
• Fewer healthcare providers and specialists
• Longer distances to services and shopping
• Limited internet access for online applications
• Fewer volunteer and community resources
• Harsh winter weather limiting access

Rural Solutions:

• Mobile services when available
• Telehealth and telemedicine programs
• Community volunteer networks
• Church-based assistance programs
• Coordinated group trips to urban centers
• Emergency communication systems

---

Emergency Resources {#emergency-resources}

Important Notice: Program details and eligibility requirements may change. Always verify current information with Maine Department of Health and Human Services at (207) 287-3707 or specific program contacts listed. This guide provides information for educational purposes only.

Maine Department of Health and Human Services Office of Aging and Disability Services (OADS)

Central State Coordination: OADS serves as Maine’s primary agency for aging services, providing information, referrals, and program coordination statewide.

Services Provided:

• Comprehensive information about all available programs
• Help navigating complex application processes
• Coordination between different service providers
• Advocacy for seniors’ rights and needs
• Policy development and program oversight
• Winter emergency preparedness coordination

Contact:

• Main Office: (207) 287-9200
• Toll-Free: 1-800-262-2232
• Address: 11 State House Station, Augusta, ME 04333-0011
• Email: DHHS.OADS@maine.gov

Adult Protective Services (APS)

Elder Abuse Prevention: APS investigates reports of abuse, neglect, and exploitation of vulnerable adults including seniors.

Types of Abuse Investigated:

• Physical abuse and neglect
• Financial exploitation and scams
• Sexual abuse
• Emotional abuse and intimidation
• Self-neglect in dangerous situations

Reporting:

• 24-Hour Hotline: (800) 624-8404
• Online reporting: Available through Maine DHHS website
• Local APS offices: Contact information available through hotline

211 Maine

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

Available 24/7 for:

• Emergency food, shelter, and utility assistance
• Mental health crisis intervention and counseling referrals
• Healthcare resources and prescription assistance
• Transportation options for emergencies
• Legal assistance and advocacy resources
• Winter emergency resources

Contact:

• Phone: Simply dial 2-1-1
• Online: 211maine.org
• Text: Text your ZIP code to 898211

Winter Emergency Resources

Seasonal Emergency Coordination: Maine has specialized emergency response systems for seniors during harsh winter weather.

Emergency Shelters:

• Warming centers: Activated during extreme cold
• Emergency shelters: For those who lose heat or power
• Generator programs: Emergency power for medical equipment

Emergency Contacts:

• Maine Emergency Management Agency: (207) 624-4400
• Red Cross Maine: (207) 874-1192
• Salvation Army Maine: (207) 774-4719

---

Application Success Strategies {#application-strategies}

Essential Documentation for Maine Programs

Universal Documents Needed:

• Maine driver’s license or state-issued ID card
• Social Security card and current award letter
• Birth certificate or passport for citizenship verification
• Proof of Maine residency (utility bills, lease, voter registration)
• Bank statements from all accounts (last 3 months)
• Income verification from all sources (Social Security, pensions, work)

Program-Specific Documentation:

For HCBS Waiver:

• Complete medical records from all treating physicians
• List of current medications and dosages
• Documentation of daily care needs (physician assessment)
• Power of attorney documents if applicable

For Property Tax Fairness Credit:

• Property tax bills or rent receipts for the year
• All income documentation (Social Security, pensions, work)
• Maine income tax forms (even if you don’t normally file)

For Heating Assistance:

• Recent heating bills or fuel delivery receipts
• Shut-off notices if applicable
• Income verification for all household members

Navigating Maine’s Unique Challenges

Special Considerations for Maine Seniors:

Winter Weather Planning:

• Apply for heating assistance before cold weather arrives
• Keep important documents accessible during power outages
• Have backup communication plans during storms
• Apply for multiple programs before winter isolation

Rural Area Considerations:

• Many rural areas lack reliable internet access
• Consider applying at libraries or senior centers with internet
• Ask family members to help with online applications
• Contact agencies by phone rather than online when possible

Seasonal Access Issues:

• Some rural offices have limited winter hours
• Plan appointments during good weather when possible
• Ask about home visits for assessments
• Consider telehealth options when available

Recommended Application Order

Priority Application Sequence:

1. Property Tax Fairness Credit (if you pay property tax or rent) – File with tax return by April 15
2. HEAP heating assistance (apply early September) – Critical for winter survival
3. HCBS Waiver (if needing daily care) – Start early due to waiting lists
4. MaineCare – Essential for healthcare coverage
5. SNAP – Apply early as benefits begin quickly after approval
6. Housing assistance – Get on waiting lists even if not immediate need
7. Veterans benefits – Begin early due to complex documentation requirements

Managing Multiple Applications:

• Use same documentation package for multiple programs when possible
• Keep detailed notes on application dates and contact persons
• Set calendar reminders for renewal dates and recertification
• Request confirmation receipts for all submitted applications
• Plan around seasonal deadlines (heating assistance, tax credits)

Getting Help with Applications

Free Application Assistance:

• Area Agencies on Aging: Provide free help with all applications
• Senior centers: Often have trained volunteers to assist
• Legal Services for the Elderly: Help with complex cases and appeals
• Maine Bureau of Veterans’ Services: Specializes in veteran benefit applications
• AARP Tax-Aide: Free tax preparation including Property Tax Fairness Credit

When to Seek Professional Help:

• Multiple application denials for programs you believe you qualify for
• Complex family situations (caring for disabled spouse)
• Difficulty understanding written materials
• Appeals processes for denied benefits
• Winter emergency situations requiring immediate assistance

---

Avoiding Scams {#scam-prevention}

Maine-Specific Senior Scams

Heating Oil and Home Repair Scams: Maine’s harsh winters create opportunities for scammers offering emergency heating system repairs, chimney cleaning, or roof snow removal. These scams often target seniors after major storms, demanding large upfront payments for work never completed.

Medicare Advantage Marketing Scams: Maine’s large senior population makes it a target for aggressive Medicare marketing, particularly in rural areas where seniors have limited internet access to verify information. Scammers use high-pressure tactics during open enrollment periods.

Property Tax Relief Scams: Companies target seniors who may qualify for the Property Tax Fairness Credit, charging fees to file applications that seniors can complete for free themselves or with free assistance.

Prescription Drug Scams: With many Maine seniors struggling to afford medications, scammers offer fake prescription assistance programs or online pharmacies selling counterfeit drugs.

Utility Impostor Scams: Scammers impersonate Central Maine Power, Versant Power, or heating fuel companies, claiming seniors’ service will be disconnected unless immediate payment is made via gift cards or wire transfers.

Red Flags: How to Spot Scams

Warning Signs:

• Upfront fees required: Legitimate government programs never charge application fees
• Door-to-door sales after storms: Legitimate contractors don’t solicit after emergencies
• Pressure to decide immediately: Real agencies allow time to review options
• Requests for Social Security numbers over phone: Always verify caller identity first
• Demands for gift cards or wire transfers: Government agencies never request these
• Promises of immediate heating assistance: Real programs have application processes

Protecting Yourself

Verification Steps:

1. Hang up on suspicious calls and call official numbers independently
2. Verify contractors through Maine Department of Professional and Financial Regulation: (207) 624-8603
3. Check company credentials with Better Business Bureau
4. Confirm Medicare communications by calling Medicare directly: 1-800-MEDICARE
5. Verify heating assistance programs through your local Community Action Agency

Safe Practices:

• Never provide personal information to unsolicited callers
• Get all service agreements in writing before paying anything
• Take time to review all contracts with trusted family or friends
• Keep records of all communications and transactions
• During winter emergencies, verify assistance through official channels

Report Scams To:

• Maine Attorney General’s Office: (207) 626-8800
• Federal Trade Commission: ReportFraud.ftc.gov
• Maine Better Business Bureau: (207) 878-2715
• AARP Fraud Watch Network: 1-877-908-3360

---

Frequently Asked Questions {#faqs}

Q: What’s the difference between the HCBS Waiver and regular MaineCare? A: MaineCare is Maine’s general Medicaid program providing basic healthcare coverage. The HCBS (Home and Community Based Services) Waiver is a special program within MaineCare that provides long-term care services like in-home care, adult day services, and case management for seniors who need help with daily activities. You must qualify medically for nursing home level of care to get the HCBS Waiver, and there’s often a waiting list.

Q: How much money can I get from the Property Tax Fairness Credit? A: The Property Tax Fairness Credit can provide up to $2,000 annually for seniors 65+ (up to $1,000 for younger residents). The actual amount depends on your income and how much you pay in property taxes or rent. For example, a senior with $25,000 income paying $2,500 in property taxes could receive $750 (50% of the amount above 4% of income).

Q: How long is the waiting list for the HCBS Waiver in Maine? A: Waiting times vary significantly by region. Urban areas like Portland and Bangor typically have 6-12 month waits, while rural areas can have 12-24 month waits or longer. Priority groups (abuse victims, ALS patients, people transitioning from nursing homes) may receive immediate placement. The waiting list operates strictly by application date.

Q: What should I do if I live in rural Maine and can’t get to application offices? A: Contact your local Area Agency on Aging for transportation assistance or home visits. Many agencies can conduct phone interviews or send representatives to rural areas. Libraries and senior centers often have internet access and staff to help with online applications. Some programs accept applications by mail or phone.

Q: How do I prepare for winter heating costs in Maine? A: Apply for HEAP (heating assistance) as early as September when applications open. Consider the Property Tax Deferral Program if you’re asset-rich but cash-poor. Apply for weatherization assistance to improve your home’s energy efficiency. Keep emergency contact information for fuel dealers and utility companies. Consider joining a fuel buying co-op for better prices.

Q: I was denied for SNAP benefits but think I should qualify. What can I do? A: You have the right to appeal the decision within 90 days. Contact Maine DHHS at (855) 797-4357 to request an appeal hearing. Common reasons for denial include not reporting all allowable deductions (medical expenses over $35/month, utilities) or documentation issues. Legal Services for the Elderly can help with appeals at (800) 750-5353.

Q: Are there special programs for veterans in Maine? A: Yes, veterans may qualify for both regular senior programs and veteran-specific benefits. Key programs include VA Aid and Attendance pension (up to $1,936/month), Maine Veterans’ Homes, Veterans’ Emergency Financial Assistance (up to $2,000/year), and property tax exemptions. Contact Maine Bureau of Veterans’ Services at (207) 430-6035 for free assistance.

Q: What happens if my heating system breaks down in winter? A: Contact Emergency HEAP immediately for crisis assistance: call your local Community Action Agency. If you’re in immediate danger, call 911. Emergency HEAP can provide fuel delivery within 48-72 hours and help with heating system repairs. Keep contact information for emergency heating repair services accessible during winter.

Q: How do I find a doctor who accepts MaineCare in rural Maine? A: Contact MaineCare Member Services at (855) 797-4357 for a provider directory. Federally Qualified Health Centers like Eastern Maine Healthcare and HealthReach often accept MaineCare and serve rural areas. Telemedicine is increasingly available for routine care. Your Area Agency on Aging may know local providers accepting new MaineCare patients.

Q: What if I need help understanding all these programs and don’t know where to start? A: Contact your local Area Agency on Aging – they provide free, comprehensive assistance to help you understand which programs you might qualify for and help you apply. You can find your AAA in the Regional Resources section or call Maine OADS at (207) 287-9200 for referral to your local agency.

Q: Can I qualify for both the Property Tax Fairness Credit and Property Tax Deferral? A: Yes, you can potentially qualify for both programs. The Property Tax Deferral Program allows the state to pay your property taxes as a loan, while the Property Tax Fairness Credit provides a refund based on taxes or rent paid. Even if you defer your property taxes, you can still claim the fairness credit based on the amount of taxes that would have been due.

Q: What help is available if I’m caring for my spouse with dementia? A: Several programs can help: HCBS Waiver respite services provide temporary relief for caregivers; Adult Day Services offer supervised care while you work or rest; Alzheimer’s Association Maine Chapter provides support groups and resources; Family Caregiver Support Programs offer counseling and assistance. Contact your Area Agency on Aging to connect with local caregiver resources.

---

Quick Contact Directory

Emergency Senior Help: Maine Office of Aging and Disability Services – (207) 287-9200 HCBS Waiver/MaineCare: Maine DHHS – (855) 797-4357 Food/SNAP: My Maine Connection – (855) 797-4357 Property Tax Relief: Maine Revenue Services – (207) 624-9784 Winter Heating Assistance: Contact your local Community Action Agency Housing Assistance: MaineHousing – (207) 624-5700 Veterans Services: Maine Bureau of Veterans’ Services – (207) 430-6035 Elder Abuse Reporting: Adult Protective Services – (800) 624-8404 Crisis/Emergency: 211 Maine – Dial 2-1-1 Legal Aid: Legal Services for the Elderly – (800) 750-5353

---

Stay Updated: Maine’s harsh winters and rural geography require ongoing program adaptations. Bookmark this guide and check back quarterly for updates on program availability and funding changes. Subscribe to our senior benefits newsletter for Maine-specific updates including winter preparedness reminders.

Share This Guide:

• Share on Facebook
• Share on Twitter
• Email This Guide

For personalized guidance navigating Maine’s senior services landscape, contact your local Area Agency on Aging or Maine Office of Aging and Disability Services at (207) 287-9200. Trained specialists understand Maine’s unique challenges including harsh winters, rural isolation, and transportation barriers, and can help you access available programs in your area.

Program Disclaimer: Program details may change. Verify current information with Maine Department of Health and Human Services (207) 287-3707 or listed program contacts. Grant amounts and eligibility requirements are subject to change based on funding availability. This information is current as of June 2025. This guide provides information for educational purposes only.

Winter Safety Reminder: Maine’s winters can be life-threatening for seniors. Ensure you have emergency heating plans, adequate fuel supplies, and emergency contact information readily available. Apply for heating assistance early in the fall, and never use unsafe heating methods during power outages.