Getting denied for benefits you believe you deserve is frustrating, but a denial is not the end of the road. Many denials are overturned on appeal. Here is how to fight back. Understand Why You Were Denied Read your denial notice carefully. It should explain the reason for denial and your appeal rights. Common reasons…
Legal problems do not wait for you to afford a lawyer. Whether you are facing eviction, dealing with a custody issue, or need help with benefits, free legal help may be available. Legal Aid Organizations Legal aid offices provide free civil legal services to low-income individuals. They handle cases involving housing, family law, consumer issues,…
Internet access is essential for job searching, education, healthcare, and staying connected. Several programs help low-income households get online at reduced or no cost. Affordable Connectivity Program (ACP) This federal program provides up to $30 per month discount on internet service (up to $75 on tribal lands). It also offers a one-time discount of up…
The Children’s Health Insurance Program (CHIP) provides low-cost health coverage for children in families that earn too much to qualify for Medicaid but cannot afford private insurance. Millions of children receive coverage through CHIP. Who Qualifies? Children under age 19 Family income above Medicaid limits but below CHIP limits (varies by state) Many states cover…
Without reliable transportation, getting to work, medical appointments, and grocery stores becomes a major challenge. Here are resources that can help with transportation when you cannot afford a car or cannot drive. Medicaid Transportation If you have Medicaid, you may be entitled to free transportation to medical appointments. This Non-Emergency Medical Transportation (NEMT) benefit covers…
Nutrition becomes even more important as we age, yet many seniors struggle to access healthy meals. Several programs provide nutritious food to older adults at no cost or very low cost. Meals on Wheels Home-delivered meals for seniors who have difficulty shopping or cooking. Beyond nutrition, regular delivery visits provide social contact and safety checks….
The Weatherization Assistance Program (WAP) provides free home energy improvements that reduce your utility bills and make your home more comfortable. These upgrades can save hundreds of dollars each year. Services Provided Insulation for attics, walls, and floors Air sealing to stop drafts Heating and cooling system repairs or replacement Water heater insulation or replacement…
If you have Medicare but struggle with premiums, deductibles, and copays, Medicare Savings Programs can help. These state-run programs pay some or all of your Medicare costs. Types of Programs QMB: Pays Part A & B premiums plus deductibles and copays SLMB: Pays Part B premium QI: Pays Part B premium for slightly higher income…
Having no credit history can be just as challenging as having bad credit. Without a credit score, you may struggle to rent an apartment, get utilities, or access affordable loans. Here is how to start building credit from scratch. Start with a Secured Credit Card Secured cards require a deposit that becomes your credit limit….
Quality childcare is expensive, often costing more than rent or college tuition. But assistance programs can help make childcare affordable so you can work or attend school. Child Care and Development Fund (CCDF) This federal program provides childcare subsidies to low-income families who are working or in education/training. Benefits go directly to childcare providers, and…
