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

Maryland Senior Benefits Guide – Programs for Seniors (2025)

Last Updated: June 19, 2025

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Key Takeaways

Bottom Line Up Front: Maryland offers over 40 assistance programs for low-income older adults, but navigating the complex system requires understanding which programs provide the biggest impact and how to qualify despite strict eligibility requirements and limited funding.

️ Maryland’s Reality: With some of the nation’s highest living costs alongside robust senior programs, Maryland presents both opportunities and challenges. A senior earning $2,000/month might struggle with rent in Montgomery County but qualify for significant assistance through property tax credits, Community First Choice waiver services, and utility help.

Who This Guide Helps:

• Maryland 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)

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

• 1,066,638 older adults (17.3% of population)
• 9.5% live below poverty level
• 29% have disabilities
• 82.4% rely on Social Security
• Median household income: $73,200

Critical Maryland Realities:

• Geographic divide: Costs vary dramatically between Baltimore-Washington corridor and rural Eastern Shore
• Program complexity: Multiple agencies administer similar services with different eligibility requirements
• Waiting lists: Popular programs like housing vouchers have 2-5 year waits in high-demand counties
• Documentation burden: Many programs require extensive paperwork and regular recertification

Best Starting Points:

1. Contact Maryland Department of Aging: (410) 767-1100
2. Apply for Homeowners’ or Renters’ Property Tax Credit by September 1st
3. Check eligibility for Community First Choice waiver
4. Apply for SNAP food assistance if income-qualified

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Quick Reference: Major Programs

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What’s New in 2025

Major Program Updates:

• Community First Choice waiver expansion with 500 additional slots for in-home care services
• Property tax credit increases with higher income thresholds for both homeowners and renters
• Enhanced SNAP benefits for seniors 60+ with simplified application process
• New emergency cooling centers in Baltimore and Prince George’s County
• Increased LIHEAP funding due to extreme weather impacts on utility costs
• Prescription drug assistance expansion through Maryland Senior Rx Program

Maryland-Specific Improvements:

• Mobile healthcare units expanded to serve rural Eastern Shore communities
• Transportation voucher pilot program in Montgomery and Prince George’s counties
• Digital application assistance at all Area Agencies on Aging
• Enhanced coordination between state and county senior services

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Maryland’s Senior Landscape

Maryland’s unique geography and economy create distinct challenges and opportunities for older adults seeking assistance.

The Baltimore-Washington Corridor Challenge: Maryland’s proximity to Washington, D.C., drives up living costs throughout the Baltimore-Washington corridor. Montgomery County has a median home value of $542,000, while rent for a one-bedroom apartment averages $1,800/month. For seniors on fixed incomes, these costs consume most of their monthly budget, making assistance programs essential for basic survival.

Rural Eastern Shore Isolation: Counties like Dorchester, Somerset, and Caroline face different challenges: limited healthcare providers, no public transportation, and fewer social services. A senior in Crisfield may travel 45 minutes to reach a grocery store and over an hour for medical appointments. These geographic barriers make accessing assistance programs significantly more difficult.

Economic Disparities: Maryland’s median household income of $73,200 masks significant inequality. While affluent areas like Bethesda and Columbia offer extensive services, seniors in Baltimore City or rural areas may struggle to access basic healthcare and housing assistance. This divide affects program funding and availability across the state.

Healthcare Provider Shortages: Despite having excellent medical centers like Johns Hopkins and University of Maryland, many seniors face long waits for specialist appointments. The state has a shortage of geriatricians, with some seniors waiting 3-6 months for initial appointments. This shortage affects access to medical documentation required for disability-related programs.

️ Maryland Reality Check: A senior earning $1,800/month in Social Security might afford basic necessities in Cumberland but struggle with rent in Rockville. Program benefits must be understood within local cost contexts, and application strategies should account for county-specific resource availability.

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Healthcare & Long-Term Care Programs

Community First Choice (CFC)

Maryland’s Primary In-Home Care Program: Community First Choice is Maryland’s Medicaid waiver program providing comprehensive long-term care services to help older adults avoid nursing home placement. This program represents Maryland’s commitment to aging in place, offering everything from personal care to home modifications.

CFC Eligibility Requirements

2025 Eligibility Criteria:

• Age 65+ or adults 18+ with disabilities
• Income below $2,829/month individual (300% of SSI federal benefit rate)
• Assets under $2,000 individual, $3,000 couple (excluding home and one vehicle)
• Medical necessity: Must require nursing home level of care as determined by Maryland Department of Health assessment
• Maryland residency for at least 30 days

CFC Services Covered

Comprehensive Care Package:

• Personal care assistants (bathing, dressing, meal preparation, medication management)
• Adult day services providing supervised activities and social interaction
• Respite care giving family caregivers temporary relief
• Home modifications (ramps, stair lifts, accessible bathrooms, grab bars)
• Personal emergency response systems and medical alert devices
• Assistive technology (communication devices, mobility equipment)
• Environmental modifications for safety and accessibility
• Transportation to medical appointments and adult day programs

CFC Application Process

1. Initial Contact: Call Maryland Department of Health Community Services Locator at (410) 767-1739
2. Pre-screening Assessment: Phone interview to determine potential eligibility (30 minutes)
3. Medical Documentation: Gather records from all treating physicians showing need for daily assistance
4. Comprehensive Assessment: In-home evaluation by state assessor (2-3 hours)
5. Financial Eligibility Review: Submit income statements, bank records, and asset verification
6. Care Plan Development: Work with case manager to develop individualized service plan
7. Provider Selection: Choose from approved agencies or hire individual providers

⏰ CFC Reality: The application process typically takes 30-60 days, but high demand means services may not begin immediately upon approval. Urban areas like Baltimore and Montgomery County have more provider options but also longer wait lists. Rural Eastern Shore counties may have limited provider choices, requiring longer travel times for services.

Geographic Service Variations:

• Baltimore City: Full services available with 20+ provider agencies
• Montgomery/Prince George’s Counties: Extensive services but competitive market
• Anne Arundel County: Anne Arundel County Department of Aging – (410) 222-7441
• See Regional Resources for complete county contact information

️ Meals Reality: Demand consistently exceeds capacity across Maryland, creating waiting lists of 2-6 weeks in urban counties and longer waits in rural areas. Meals are designed to provide 1/3 of daily nutritional needs. Urban programs may offer 5-day service, while rural areas often provide only 1-2 days per week due to volunteer and funding limitations.

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Utility Assistance Programs

Low Income Home Energy Assistance Program (LIHEAP)

Essential Utility Bill Help: LIHEAP provides critical assistance with heating and cooling costs during Maryland’s hot, humid summers and cold winters. The program can prevent utility shutoffs and help seniors maintain safe temperatures year-round.

2025 Assistance Amounts:

• Regular energy assistance: $300-1,200 per household annually
• Crisis assistance: Up to $800 for emergency situations
• Equipment repair/replacement: Up to $1,500 for heating/cooling systems
• Weatherization services to improve home energy efficiency

Eligibility Requirements:

• Income below 175% of poverty level ($2,600/month individual, $3,526/month couple)
• Maryland residency and citizenship verification
• Responsible for paying home energy costs directly to utility company
• Priority given to households with adults 60+, disabled individuals, and children under 6

Application Periods:

• Regular LIHEAP: Applications accepted November 1 – April 30
• Crisis assistance: Available year-round for emergencies
• Cooling assistance: Available June 1 – September 30

How to Apply:

1. Contact your local Community Action Agency or health department
2. Provide income verification for all household members
3. Submit recent utility bills and shut-off notices if applicable
4. Complete home energy assessment if applying for weatherization
5. Assistance paid directly to utility company on your behalf

️ LIHEAP Survival Reality: LIHEAP funding operates on first-come, first-served basis and typically runs out before the end of each season. Urban areas have multiple application sites but high demand, while rural areas may have limited application locations. Crisis assistance is available year-round but limited to once per 12-month period.

Local LIHEAP Providers:

• Baltimore City: Baltimore City Health Department – (410) 396-6700
• Montgomery County: Montgomery County Health Department – (240) 777-1245
• Prince George’s County: Prince George’s County Health Department – (301) 883-7889
• Anne Arundel County: Anne Arundel County Health Department – (410) 222-7095

BGE and Pepco Energy Assistance Programs

Utility Company Assistance: Maryland’s major electric utilities operate assistance programs to help low-income customers manage energy bills and avoid service disconnection.

BGE Energy Assistance Program

Services Provided:

• Budget billing to spread costs evenly throughout the year
• Energy efficiency education and weatherization referrals
• Protection from disconnection during extreme weather
• Arrearage forgiveness for qualifying customers

Eligibility:

• Household income below 150% of federal poverty level
• Current BGE customer with outstanding balance
• Demonstrated financial hardship

Contact: BGE Customer Service – (800) 685-0123

Pepco Universal Service Program

Services Provided:

• Reduced rate electric service for income-qualified customers
• Budget payment plans to spread costs
• Energy conservation education and assistance
• Protection from service termination

Eligibility:

• Income below 150% of federal poverty level
• Current Pepco customer in good standing
• Maryland residency in Pepco service area

Contact: Pepco Customer Service – (202) 833-7500

Lifeline and Affordable Connectivity Program

Discounted Communications Services: Federal programs providing reduced-cost telephone and internet service for qualifying low-income seniors.

Lifeline Program

Benefits:

• $9.25 monthly discount on phone service OR broadband internet
• Available for landline, wireless, or internet service
• Cannot receive discount on both phone and internet simultaneously

Affordable Connectivity Program (ACP)

Benefits:

• Up to $30/month discount on broadband internet service
• Up to $75/month for households on qualifying Tribal lands
• One-time discount up to $100 for laptop, desktop, or tablet purchase

Combined Eligibility:

• Income below 135% of federal poverty guidelines ($1,773/month individual), OR
• Participation in qualifying programs (Medicaid, SNAP, SSI, LIHEAP)

Apply: Contact participating providers or visit GetInternet.gov

Low-Income Household Water Assistance Program (LIHWAP)

Water Bill Assistance: LIHWAP helps seniors pay outstanding water and wastewater bills to prevent service shutoffs and restore service after termination.

Services Provided:

• Payment of past-due water and wastewater bills
• Reconnection assistance after service termination
• Protection from future shutoffs through payment arrangements
• Assistance with water system repairs in some cases

Eligibility Requirements:

• Household income below 150% of federal poverty level
• Past-due water or wastewater bills or service termination
• Maryland residency and citizenship verification

Apply: Maryland Department of the Environment or call (410) 537-3084

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Dental Care Options

Mission of Mercy (MOM) Maryland

Free Dental Clinics: MOM provides comprehensive free dental care through large-scale volunteer clinics held annually across Maryland, bringing together hundreds of volunteer dentists to serve uninsured seniors.

Services Available:

• Dental cleanings and oral health examinations
• Basic fillings and tooth restorations
• Tooth extractions for damaged or infected teeth
• Basic oral surgery and emergency procedures
• Limited denture repairs and adjustments

2025 Clinic Schedule:

• Baltimore: Baltimore Convention Center – March 8-9, 2025
• Salisbury: Wicomico Youth & Civic Center – October 11-12, 2025
• Frederick: Frederick Fairgrounds – Date TBA

Access Requirements:

• No insurance verification or income documentation required
• Registration begins at 5:00 AM on clinic days
• Valid photo ID and list of current medications required
• First-come, first-served with limited daily capacity
• Patients typically wait 4-10 hours to be seen

MOM Reality: These clinics see 1,000-1,500 patients over two days, but demand far exceeds capacity. Seniors should arrive before 5:30 AM and bring water, snacks, folding chairs, and patience for very long waits. Complex procedures requiring multiple visits may need referrals to other providers.

Information: Mission of Mercy Maryland – (443) 984-3711

Donated Dental Services (DDS) Maryland

Volunteer Dentist Network: DDS connects eligible seniors with volunteer dentists who provide comprehensive dental care at no cost through a coordinated network.

Services Provided:

• Complete dental treatment including crowns, bridges, and dentures
• Oral surgery and specialized periodontal procedures
• Endodontic treatment and restorative care
• Follow-up care and ongoing maintenance

Eligibility Requirements:

• Age 65+ or permanently disabled
• Income below 200% of federal poverty level ($2,640/month individual)
• No dental insurance coverage or coverage that doesn’t meet needs
• Must be in reasonably good health to undergo treatment

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

University of Maryland School of Dentistry

Reduced-Cost Dental Care: The dental school provides comprehensive dental care by supervised students at significantly reduced costs compared to private practice.

Services Provided:

• Routine cleanings and preventive care
• Restorative dentistry including fillings and crowns
• Oral surgery and periodontal treatment
• Prosthodontics including dentures and bridges
• Emergency dental care

Costs:

• Cleanings: $30-50 (vs. $150-250 private practice)
• Fillings: $50-100 (vs. $200-400 private practice)
• Extractions: $75-150 (vs. $300-500 private practice)
• Dentures: $400-800 (vs. $1,500-3,000 private practice)

Contact: University of Maryland School of Dentistry – (410) 706-7101

Community Health Centers

Sliding Fee Dental Care: Federally Qualified Health Centers throughout Maryland provide dental care on sliding fee scales based on income and family size.

Major Community Health Centers:

Chase Brexton Health Care:

• Dental services at multiple Baltimore locations
• Sliding fee scale available for uninsured patients
• Contact: (410) 837-2050

Community Clinic Inc. (Silver Spring):

• Comprehensive dental services in Montgomery County
• Income-based fee discounts available
• Contact: (301) 879-6677

Tri-County Community Health Center (Lexington Park):

• Full dental services in Southern Maryland
• Accepts Medicaid and offers sliding fees
• Contact: (301) 862-3070

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Transportation Services

Maryland Transit Administration (MTA)

Public Transit Options: MTA provides bus, light rail, and subway service primarily in the Baltimore metropolitan area, with reduced fares for seniors.

MTA Services:

• Local Bus Service: Extensive routes throughout Baltimore City and suburbs
• Light Rail: Connects BWI Airport to downtown Baltimore and northern suburbs
• Metro Subway: Baltimore’s subway system serving key corridors
• MARC Train: Commuter rail connecting to Washington, D.C.

Senior Discounts:

• Reduced fare: $1.00 (vs. $2.00 regular fare) for adults 65+
• Free off-peak travel (9:30 AM – 3:30 PM weekdays, all day weekends)
• Senior ID required for discounts

Contact: MTA Customer Service – (410) 539-5000

Washington Metropolitan Area Transit Authority (WMATA)

Metro Service: WMATA provides bus and rail service in Montgomery and Prince George’s counties, connecting to Washington, D.C.

Services:

• Metrobus: Extensive bus network throughout Montgomery and Prince George’s counties
• Metrorail: Subway system with multiple lines serving Maryland suburbs
• MetroAccess: Paratransit service for disabled individuals

Senior Discounts:

• Half-fare on Metrobus and Metrorail for adults 65+
• Reduced-fare SmarTrip cards available
• Peak and off-peak pricing still applies

Contact: WMATA Customer Service – (202) 637-7000

Medicaid Non-Emergency Transportation

Healthcare Transportation: Maryland Medicaid provides transportation to medical appointments for eligible recipients through contracted transportation broker.

Services Provided:

• Transportation to medical appointments and procedures
• Pharmacy trips for prescription medications
• Transportation to medical equipment providers
• Wheelchair accessible vehicles when medically necessary
• Mileage reimbursement for family/friend drivers in some cases

How to Schedule:

1. Call LogistiCare at (844) 346-3434
2. Schedule trips at least 3 business days in advance
3. Provide Medicaid ID number and appointment details
4. Confirm pickup time and location (be ready 15 minutes early)
5. Call to cancel if appointment changes to avoid penalties

County Transportation Services

Local Senior Transportation: Several Maryland counties operate specialized transportation services for seniors and disabled residents.

Montgomery County

Call-n-Ride Service:

• Door-to-door transportation within Montgomery County
• $3.00 per trip for seniors 60+
• Advance reservations required
• Contact: (240) 777-0311

Senior Planet Ride Connect:

• Volunteer driver program for seniors
• Small fee or donation requested
• Contact: (301) 881-8940

Prince George’s County

TheBus Service:

• Fixed-route bus service throughout county
• Reduced fares for seniors 65+
• Contact: (301) 883-5656

Call-A-Bus:

• Demand-response service for seniors and disabled
• $2.50 per trip within county
• Contact: (301) 499-8603

Anne Arundel County

Senior Ride Program:

• Transportation for seniors 60+ to medical appointments and essential services
• Sliding fee scale based on income
• Contact: (410) 222-4464

Transportation Reality: Public transit in Maryland is excellent in the Baltimore-Washington corridor but extremely limited in rural areas. Many Eastern Shore and Western Maryland counties have no public transportation, creating significant barriers for seniors without cars. Urban seniors benefit from multiple options but may face long waits and complex scheduling requirements.

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Veteran Benefits

Maryland Department of Veterans Affairs (MDVA)

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

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
• State veteran property tax exemptions
• Emergency financial assistance for veterans in crisis
• Burial benefits and cemetery services coordination

MDVA Regional Offices:

• Baltimore (Main Office): 16 Francis Street – (410) 230-4444
• Cumberland: 701 Kelly Road – (301) 784-0367
• Salisbury: 1200 N Salisbury Boulevard – (410) 677-6020

VA Maryland Health Care System

Federal Medical Care: Provides comprehensive healthcare services to eligible veterans throughout Maryland and surrounding areas.

Services Provided:

• Primary care and specialty medical services
• Mental health and substance abuse treatment
• Prescription medications and medical equipment
• Emergency and urgent care services
• Rehabilitation and therapy services

Main Locations:

• VA Maryland Health Care System (Baltimore): (410) 605-7000
• Perry Point VA Medical Center: (410) 642-2411
• Fort Detrick VA Clinic (Frederick): (301) 695-1293
• Cambridge VA Clinic: (410) 228-6243

Eligibility:

• Honorable military discharge
• Enrollment in VA healthcare system required
• Some services available regardless of income level

VA Aid and Attendance Pension

Enhanced Pension for Care Needs: Aid and Attendance provides additional monthly payments to wartime veterans and surviving spouses who need assistance with daily activities or are homebound.

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 (one day during wartime)
• Discharged under conditions other than dishonorable
• Net worth below $138,489 (excluding home and reasonable living expenses)
• Need assistance with activities of daily living or homebound due to disability

Medical Eligibility Criteria:

• Requires regular assistance with bathing, dressing, eating, or toileting
• Confined to home due to permanent disability
• Lives in assisted living facility or nursing home
• Has corrected vision of 5/200 or less in both eyes

Application Process:

1. Contact MDVA for free assistance with application preparation
2. Gather military discharge papers (DD-214 or equivalent)
3. Collect medical records documenting care needs and physician statements
4. Complete VA Form 21-527EZ with detailed income and asset information
5. Submit application and wait 3-8 months for decision
6. Request MDVA help with appeals if initially denied

Maryland Veterans Homes

State-Operated Senior Care: Maryland operates veteran homes providing nursing care, assisted living, and independent living for veterans and their eligible family members.

Charlotte Hall Veterans Home

Services:

• 454 beds for nursing care, assisted living, and independent living
• Specialized dementia and memory care units
• Short-term rehabilitation services
• Adult day care program for community veterans

Contact:

• Address: 29449 Charlotte Hall Road, Charlotte Hall, MD 20622
• Phone: (301) 884-8171

Loch Raven VA Community Living Center

Services:

• 240 beds for skilled nursing and specialized care
• Rehabilitation services and therapy programs
• Hospice and palliative care services

Contact:

• Address: 3900 Loch Raven Boulevard, Baltimore, MD 21218
• Phone: (410) 605-7000

Admission Requirements:

• Honorable military discharge
• Maryland residency (may be waived for veterans needing specialized care)
• Medical assessment confirming appropriate level of care needed
• Financial assessment for payment determination

Costs and Payment Options:

• Private pay rates below comparable private facilities
• VA pension and disability compensation applied toward costs
• Aid and Attendance benefits can cover most expenses for eligible veterans
• Medicaid accepted for qualifying residents

Emergency Financial Assistance for Veterans

Maryland Veterans Trust Fund: Provides emergency financial assistance to veterans and military families facing temporary financial crises.

Assistance Available:

• Emergency rent or mortgage payments to prevent eviction/foreclosure
• Utility bills to prevent service disconnection
• Vehicle repairs necessary for employment or medical appointments
• Emergency medical expenses not covered by insurance or VA
• Temporary food and basic necessities assistance

Eligibility Requirements:

• Current or former military service member with honorable discharge
• Maryland residency for at least 6 months
• Facing temporary financial crisis beyond their control
• Have applied for or exhausted other available resources
• Demonstrate ability to maintain financial stability after assistance

Apply: Contact MDVA at (410) 230-4444 or visit regional offices

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Legal Assistance Programs

Maryland Legal Aid

Free Legal Services: Provides comprehensive legal assistance to low-income seniors on civil matters including housing, healthcare, benefits, and consumer protection issues.

Services for Seniors:

• Housing issues (evictions, unsafe conditions, landlord disputes, discrimination)
• Public benefits appeals and applications (SNAP, SSI, Medicaid, unemployment)
• Healthcare access problems and insurance coverage disputes
• Elder abuse and financial exploitation cases
• Consumer protection and debt collection defense
• Estate planning and advance directives

Eligibility Requirements:

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

Regional Offices:

• Baltimore: (410) 539-5340
• Rockville: (240) 295-2950
• Upper Marlboro: (301) 952-4160
• Salisbury: (410) 546-5511
• Cumberland: (301) 777-7474

Pro Bono Resource Center of Maryland

Volunteer Attorney Services: Connects eligible seniors with volunteer attorneys who provide free legal services on various civil matters.

Services Provided:

• Estate planning including wills and advance directives
• Social Security disability appeals and Medicare issues
• Housing problems and landlord-tenant disputes
• Consumer protection and bankruptcy guidance
• Family law matters affecting seniors

Eligibility:

• Income below 200% of federal poverty level
• Unable to afford private attorney fees
• Civil legal matters (not criminal cases)

Contact: (410) 837-9379 or probonomd.org

Senior Legal Helpline

Telephone Legal Advice: Provides free legal information and brief advice to Maryland seniors on various legal issues.

Services:

• Legal information on common senior issues
• Referrals to appropriate legal resources
• Brief advice on consumer problems
• Information about rights and options

Contact: Maryland State Bar Association – (410) 685-7878

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Regional Resources

Maryland Area Agencies on Aging Contact Directory

Area Agency on Aging Services

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

Standard AAA Services:

• Information and referral to local resources and programs
• Meals on Wheels and congregate nutrition programs
• Transportation assistance and coordination with local providers
• In-home services including homemaker and personal care assistance
• Caregiver support services and respite care coordination
• Health insurance counseling and Medicare assistance (SHIP)
• Legal assistance coordination and elder rights advocacy
• Senior center programming and social activities
• Emergency assistance and crisis intervention

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Emergency Resources

Important Notice: Program details and eligibility requirements change regularly. Always verify current information with Maryland Department of Aging at (410) 767-1100 or specific program contacts listed. This guide provides information for educational purposes only and is not affiliated with government programs.

Maryland Department of Aging

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

Services Provided:

• Comprehensive information about all available programs statewide
• Help navigating complex application processes and requirements
• Coordination between different service providers and agencies
• Advocacy for seniors’ rights and policy development
• Oversight of Area Agencies on Aging and service providers

Contact:

• Main Office: (410) 767-1100
• Toll-Free: (800) 243-3425
• Address: 301 West Preston Street, Suite 1007, Baltimore, MD 21201
• Email: mda.info@maryland.gov
• Website: aging.maryland.gov

Adult Protective Services (APS)

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

Types of Situations Investigated:

• Physical abuse and neglect by caregivers or family members
• Financial exploitation and scams targeting seniors
• Sexual abuse and inappropriate conduct
• Emotional or psychological abuse and intimidation
• Self-neglect in situations that pose serious health and safety risks

Reporting Process:

• 24-Hour Hotline: (800) 91-ADULTS (800-917-5400)
• Online Reporting: Available through Maryland Department of Human Services website
• Local APS offices: Contact information available through state hotline
• Anonymous reporting accepted though investigation may be limited

211 Maryland

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

Available 24/7 for Information About:

• Emergency food, shelter, and utility assistance programs
• Mental health crisis intervention and counseling referrals
• Healthcare resources and prescription assistance programs
• Transportation options for emergencies and medical appointments
• Legal assistance and advocacy resources
• Financial assistance and benefit programs

Contact Options:

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

Emergency Heating and Cooling Centers

Seasonal Emergency Shelter: During extreme weather events, emergency centers open throughout Maryland to provide safe shelter for seniors and other vulnerable populations.

Summer Cooling Centers:

• Activated when temperatures exceed 95°F with heat advisories issued
• Located at senior centers, libraries, community centers, and schools
• Provide air conditioning, water, basic amenities, and sometimes meals
• Transportation often available through local emergency management

Winter Warming Centers:

• Activated during sub-freezing temperatures and severe winter weather
• Located at churches, community centers, and emergency shelters
• Provide heated shelter, hot meals, and emergency supplies
• Extended hours during ice storms and power outages

Information Sources:

• Maryland Emergency Management Agency: (877) 636-2872
• Local emergency management offices in each county
• American Red Cross Maryland: (410) 837-5000
• Local Area Agencies on Aging for transportation to centers

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Application Success Strategies

Essential Documentation for Maryland Programs

Universal Documents Required:

• Maryland driver’s license or state-issued ID card
• Social Security card and current award letter showing benefits
• Birth certificate or U.S. passport for citizenship verification
• Proof of Maryland residency (utility bills, lease agreement, voter registration)
• Bank statements from all accounts (last 3 months minimum)
• Income verification from all sources (Social Security, pensions, employment, investments)

Program-Specific Documentation:

For Community First Choice Waiver:

• Complete medical records from all treating physicians
• Current medication list with dosages and prescribing physicians
• Functional assessment documentation showing need for daily assistance
• Power of attorney or guardianship documents if applicable
• Insurance cards (Medicare, Medicaid, private insurance)

For Housing Programs:

• Rental history with landlord contact information and references
• Credit report (obtainable free annually from annualcreditreport.com)
• Criminal background check results from state police
• Employment history for past 2 years with supervisor contacts
• Asset documentation including retirement accounts and investments

For Property Tax Credit Programs:

• Property tax bills and assessment notices
• Homeowners insurance documentation
• Rental receipts or lease agreements for renters
• Disability determination letters if claiming disability status

Navigating Maryland’s Regional Differences

Special Considerations by Region:

Baltimore-Washington Corridor (Montgomery, Prince George’s, Baltimore, Anne Arundel):

• Higher demand for services creates longer waiting lists
• More service providers available but also more competition
• Higher income limits due to increased cost of living
• Better public transportation access for appointments

Eastern Shore Counties:

• Limited service providers require advance planning
• Transportation barriers may require coordination with family or volunteers
• Some programs have shorter waiting lists due to lower population density
• Internet access may be limited for online applications

Western Maryland (Allegany, Garrett, Washington):

• Rural isolation similar to Eastern Shore challenges
• Harsh winter weather can delay services and appointments
• Limited specialist healthcare requiring travel to Baltimore or D.C.
• Strong community support networks often supplement formal programs

Recommended Application Timeline and Sequence

Priority Application Order:

1. Property Tax Credits (Apply by September 1) – Highest financial impact for homeowners/renters
2. Community First Choice (if needing daily care) – Start early due to assessment requirements
3. Medicaid/MSP – Essential for healthcare coverage and accessing other programs
4. SNAP – Quick approval process provides immediate food assistance
5. LIHEAP – Apply early in season before funding depleted
6. Housing assistance – Get on waiting lists immediately due to multi-year waits
7. Veterans benefits – Complex documentation process requires early start

Managing Multiple Applications:

• Create master document folder with copies for each application
• Maintain detailed spreadsheet tracking application dates, contacts, and status
• Set calendar reminders for renewal dates and recertification deadlines
• Request written confirmation receipts for all submitted applications
• Take photographs of important documents before submitting originals

Getting Professional Application Help

Free Application Assistance Sources:

• Area Agencies on Aging: Trained staff provide comprehensive help with all applications
• Senior centers: Often have volunteers specifically trained in benefit applications
• Maryland Legal Aid: Helps with complex cases, appeals, and legal issues
• MDVA: Specializes in veteran benefit applications and appeals
• Community health centers: Social workers assist with healthcare-related applications
• Libraries: Staff can help with computer access and online applications

When to Seek Professional Help:

• Multiple application denials for programs you believe you qualify for
• Complex family situations (disabled spouse, dependent children/grandchildren)
• Language barriers or difficulty understanding written materials
• Appeals processes for denied benefits or terminated services
• Legal issues related to elder abuse or exploitation

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Avoiding Scams

Maryland-Specific Senior Scams

Medicare Advantage Over-Enrollment Scams: Maryland’s large senior population makes it a prime target for aggressive Medicare marketing. Scammers use door-to-door sales, misleading seminars, and high-pressure phone calls to enroll seniors in Medicare Advantage plans without fully disclosing limitations or costs.

Property Tax Reassessment Scams: Criminals target seniors receiving property tax credit notifications, claiming they need to “verify” information or pay fees to maintain their credits. These scams exploit seniors’ concern about losing valuable tax benefits.

Utility Disconnection Scams: Fraudsters impersonate BGE, Pepco, or Washington Gas, claiming seniors’ utilities will be shut off immediately unless payment is made via gift cards or wire transfers. These scams create panic and urgency to bypass normal verification procedures.

Government Benefits “Application Services” Scams: Companies charge seniors large fees ($500-2,000) to help apply for benefits that are available for free through Area Agencies on Aging and other legitimate organizations. These services often provide no real assistance beyond filling out forms seniors could complete themselves.

Red Flags: How to Spot Scams

Warning Signs:

• Upfront fees required: Legitimate government programs never charge application fees
• Guaranteed benefit approval: No program can guarantee acceptance before reviewing eligibility
• Pressure to decide immediately: Real agencies allow time to review options and consult family
• Requests for Social Security numbers over phone: Always verify caller identity independently first
• Demands for gift cards or wire transfers: Government agencies never request these payment methods
• Door-to-door sales: Legitimate Medicare agents rarely use high-pressure door-to-door tactics

Protecting Yourself

Verification Steps:

1. Hang up on suspicious calls and call official numbers independently
2. Verify contractors through Maryland Home Improvement Commission: (410) 230-6309
3. Check company credentials with Better Business Bureau of Greater Maryland
4. Confirm Medicare communications by calling Medicare directly: (800) MEDICARE (800-633-4227)
5. Verify utility company communications by calling your utility company directly using numbers from your bill

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 members or friends
• Keep detailed records of all communications and transactions
• Never feel pressured to make immediate decisions

Report Scams To:

• Maryland Attorney General’s Consumer Protection Division: (410) 528-8662
• Federal Trade Commission: ReportFraud.ftc.gov
• Better Business Bureau of Greater Maryland: (410) 347-3990
• Medicare Fraud Hotline: (800) MEDICARE

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Frequently Asked Questions

Q: What’s the difference between Community First Choice and regular Maryland Medicaid? A: Maryland Medicaid is the state’s general Medicaid program providing basic healthcare coverage. Community First Choice is a special waiver program within Medicaid that provides long-term care services like in-home personal care, adult day services, and home modifications for seniors who need help with daily activities. You must qualify medically for nursing home level of care to get Community First Choice services.

Q: How long do I have to wait for Section 8 housing assistance in Maryland? A: Wait times vary dramatically by location. Urban areas like Baltimore City and Montgomery County have 3-5+ year waits, while some rural areas served by the Maryland Department of Housing may have 6 months to 2 years. Many housing authorities have closed their waiting lists indefinitely due to overwhelming demand. Frederick County currently has the shortest wait at 1-2 years.

Q: Can I qualify for both SSI and Social Security retirement benefits in Maryland? A: Yes, you can receive both, but SSI payments are reduced dollar-for-dollar by your Social Security amount. However, SSI recipients automatically qualify for Maryland Medicaid and often expedited SNAP processing, which may provide more value than the cash difference. Maryland also provides a small state supplement to SSI.

Q: I missed the September 1 deadline for property tax credits. Can I still apply? A: Unfortunately, no. The September 1 deadline for Maryland property tax credit applications is strictly enforced with no exceptions. Missing the deadline means losing the entire credit for that tax year. You can apply for the following year starting the next spring, but it’s critical to mark your calendar and apply early.

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

Q: I was denied for Community First Choice but think I should qualify. What can I do? A: You have the right to appeal the decision through Maryland Medicaid. Contact Maryland Health Connection at (855) 642-8572 to start the appeal process. Common reasons for denial include not meeting the medical criteria for nursing home level of care or having income/assets slightly over limits. An appeal allows you to present additional medical evidence or correct errors.

Q: Are there special programs for seniors in Baltimore City versus the counties? A: Yes, Baltimore City has additional programs due to its urban challenges, including enhanced transportation services, more food pantries, and specific housing programs. However, wealthy counties like Montgomery and Howard often have more extensive local programs. Each Area Agency on Aging administers different supplemental services based on local needs and funding.

Q: How can I get help with prescription drug costs in Maryland? A: Several options are available: Maryland Medicaid covers most medications with minimal copays, Medicare Savings Programs help with Medicare Part D premiums, pharmaceutical company patient assistance programs provide free medications, and community health centers offer discounted prescriptions through the 340B Drug Pricing Program.

Q: What happens if I’m hospitalized and can’t take care of myself when I get home? A: Hospital discharge planners should assess your needs and help arrange services. You may qualify for short-term Medicare home health services or expedited Community First Choice processing if you need longer-term care. Contact your Area Agency on Aging immediately if hospital staff aren’t providing adequate discharge planning assistance.

Q: I’m a veteran. Are there special programs for senior veterans in Maryland? 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), Maryland Veterans Homes, state property tax exemptions, and emergency financial assistance through the Maryland Veterans Trust Fund. Contact MDVA at (410) 230-4444 for free assistance with applications.

Q: How do I find a doctor who accepts Maryland Medicaid? A: Call Maryland Medicaid Provider Services at (410) 767-6860 for a current provider directory. Federally Qualified Health Centers like Chase Brexton often accept Medicaid and may have shorter wait times than private practice physicians. You can also search online through the Maryland Health Connection provider portal.

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, personalized 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 the Maryland Department of Aging at (410) 767-1100 for referrals.

Q: Can I apply for multiple programs at the same time? A: Yes, and it’s often recommended. Many programs use similar eligibility criteria and documentation. Applying for SSI, Medicaid, and SNAP together can streamline the process since qualification for one often leads to automatic or expedited approval for others. Keep copies of all documents as you’ll likely need them for multiple applications.

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Quick Contact Directory

Emergency Senior Help: Maryland Department of Aging – (410) 767-1100 Community First Choice/Medicaid: Maryland Health Connection – (855) 642-8572 Food/SNAP: myDHR Maryland – (800) 332-6347 Property Tax Credits: Maryland Department of Assessments & Taxation – (410) 767-1184 Housing Assistance: Maryland Department of Housing – (410) 514-7000 Veterans Services: Maryland Department of Veterans Affairs – (410) 230-4444 Elder Abuse Reporting: Adult Protective Services – (800) 91-ADULTS (800-917-5400) Crisis/Emergency: 211 Maryland – Dial 2-1-1 Legal Aid: Maryland Legal Aid – (410) 539-5340

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️ Stay Updated: Maryland’s senior programs evolve frequently with changing federal and state funding. Property tax credit amounts and income limits are adjusted annually. Bookmark this guide and check back quarterly for updates on program availability and benefit amounts. Subscribe to our senior benefits newsletter for Maryland-specific updates and new program announcements.

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For personalized guidance navigating Maryland’s senior services, contact your local Area Agency on Aging or the Maryland Department of Aging at (410) 767-1100. Trained specialists understand Maryland’s regional differences and can help you access programs in your specific county.

Program Disclaimer: Program details may change. Verify current information with Maryland Department of Aging (410) 767-1100 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. Grantsforseniors.org is not affiliated with government programs and provides information for educational purposes only.