Wallet-friendly senior care resources for those needing financial assistance

Nov. 5, 2019

This list of affordable senior care resources can help you research and understand what programs and resources are available if the senior you are caring for has limited means.

Financial benefits (Medicare & Medicaid)

  • Cash and Counseling Program
    Contact your local Area Agency on Aging and ask who to call to learn about direct payment programs for in-home care.
  • Medicare
    The U.S. Government Site for Medicare website provides general information on Medicare/Medicaid benefits as well as quality data on nursing homes.
  • PACE - The Program of All-Inclusive Care for the Elderly
    This program provides financial assistance for care for seniors who would otherwise require nursing home care. PACE is only available in certain areas of some states, and eligibility is restricted to low-income seniors who are eligible for both Medicare and Medicaid.
  • SHIP - State Health Insurance Assistance Program
    Find free health insurance counseling, answers about Medicare & Medicaid, PACE, or Cash and Counseling programs coverage, and provides additional resources for assistance.
  • Benefits Check Up
    Use this web-based questionnaire by the National Council on Aging that helps determine eligibility for benefits programs for seniors with limited income and resources. It takes about 20 minutes to complete.
  • Medicare Rights Center
    This group works to ensure access to affordable health care for older adults and people with disabilities through counseling and advocacy, educational programs and public policy initiatives. You can also call their helpline at 800-333-4114 and ask for a Medicare specialist.

Legal assistance

Long-term care

Respite care

Local care resources

  • Care.com Local Senior Resources Directory
    Find local experts and resources geared toward financial planning, health care, home care, housing resources, legal advice and transportation options.
  • Eldercare locator
    Use this tool to see listings of local eldercare services around the country across various topics such as financial, long-term care, legal, transportation, abuse prevention and others. Call 1.800.677.1116 (M-F 9am - 8pm ET).
  • Family Caregiver Alliance Family Care Navigator
    Sort through your local caregiver resources and find useful advice.

General caregiving support

  • AARP
    Gather helpful information on how to plan, prepare and succeed as a caregiver.
  • Care.com Community
    Share stories, tips, resources, and advice among caregivers of aging loved ones.
  • End of Life Care 
    Learn more about the various end-of-life care resources for families including information about hospice, how to cope with grief and much more.
  • National Family Caregivers Association
    See helpful resources and find community support for caregivers.
  • Next Step in Care
    Find easy-to-use guides for family caregivers and health care providers to work closely together to plan and implement safe and smooth transitions for chronically or seriously ill patients.

Senior housing

Tiffany Smith is the senior associate editor here at Care.com. She has written for All You, Time for Kids and the Boston Globe. And as a former babysitter, she knows a lot about fun games to play with kids. Getting them to eat their veggies -- that’s a different story! Follow her on Twitter at @tiffanyiswrite

Tips and stories from parents and caregivers who’ve been there.

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