View financial assistance programs for specific needs:


Assisted Living
Medicaid (Medical Assistance) Waiver
Harford County Office on Aging
145 N. Hickory Ave.
Bel Air, MD 21014
410.638.4283
Fax: 410.893.8239

 Provided through the Harford County Office on Aging. The waiver assists with the cost of assisted living. Must be age 50 or over. The monthly income guidelines is three times the Supplemental Security Income (SSI) guidelines which is currently $698 for one person, so the maximum monthly income would be $2,094. Level of care guidelines are the same as the guidelines for Nursing Home Medical Assistance (Medicaid). 

Senior Assisted Living Group Home Subsidy Program
Harford County Office on Aging
410.638.3025

 Provided through the Harford County Office on Aging. It can assist with a maximum subsidy of $650.00 a month minus a $64.00 allowance and medical expenses. ass A waiting list may also apply.  Income and asset guidelines are:

 

  Income Assets
Individual $2,637.00 $11,000.00
Couple $3,448.00 $14,000.00
 
General Financial Assistance Programs
Accessible Homes for Seniors
http://www.mdhousing.org
1-866-602-0064
410-638-3025

Provides zero interest loans to modifiy home space in order to make the home more accessible.  Loan payments are deferred for 30 years or until the sale or transfer of the ownership of the home.  Applications can be obtained at the Harford County Office on Aging or the maryland Dept. of Housing & Community Development.

Must be age 55 or older and meet income eligibility.

  annual income assets
Individual $46,032 No test
Couple $52,608 No test
Food Stamps
Department of Social Services
2 S. Bond St.
Bel Air, MD 21014
410.836.4700

This program assists families with the cost of food. Income and asset eligibility guidelines apply.

 

Reverse Mortgage
Harford County Housing Agency
15 South Main Street, Suite 106
Bel Air, MD 21014
http://www.harfordcountymd.gov/housing/
410.638.3045
Reverse mortgages help homeowners remain in their homes by tapping into the equity of the home. Equity is then paid to them by the lending institution, usually in monthly payments. Participants must be 62 years of age or older for HUD (federal) funding or 65 or older for state funding. The home must be generally free of debt. Participants must be financially eligible and must own the home.
Supplemental Security Income (SSI)
Social Security Administration
3435-A Box Hill Corp. Ctr. Dr.
Abingdon, MD 21009
1.800.772.1213
410.569.9971

SSI makes monthly payments to people who are 65 or older, disabled or blind and who have limited assets and/or incomes. If eligible, SSI recipients also receive Medical Assistance.  A $20 disregard may apply.   Income guidelines are as follows:

Size of Household

Monthly Income

Assets

Apply At

1 person $698.00 $2,000 Social Security
2 persons $1048.00 $3,000 Social Security

 

 

 
Energy and Fuel Assistance Programs
Electric Universal Service Program 410.612.9909

Assistance is provided toward monthly electric bills to income eligible participants. Income guidelines are as follows:

Size of Household

Monthly Income

Assets

Apply At

1 person $1,588.20 N/A Community Action Agency
2 persons $2,142.20 N/A Community Action Agency
Fuel Fund 410.612.9909

A one time grant may be provided each year to help with turn-off notices. Recipients must be income eligible.

Maryland Energy Assistance Program (MEAP) 410.612.9909

This program provides one grant annually to income eligible participants to assist them with energy bills. Income guidelines are as follows:

Size of Household

Monthly Income

Assets

Apply At

1 person $1,588.20 N/A Community Action Agency
2 persons $2,142.20 N/A Community Action Agency
Weatherization Assistance Program 410.612.1649

The Weatherization Assistance Program provides materials and services necessary to make homes more livable and energy efficient. Eligible residents may receive insulation and caulking, as well as energy saving modifications to furnaces. Homes previously weatherized are not eligible. Participants must own or rent a house or apartment and must be income eligible.

Size of Household

Monthly Income

Assets

Apply At

1 person $2,520.00 N/A MEAP
2 persons $3,296.00 N/A MEAP
 
Financial Counseling Assistance
Consumer Credit Counseling
http://www.cccs-inc.org/
1.800.642.2227
410.879.7349
Free debt counseling is provided and arrangements for debt elimination programs are available. This service will handle monthly payments.
Financial Counseling Services 410.638.3255
University of Maryland Cooperative Extension Service trained volunteers provide debt and financial counseling.
 
Housing Assistance Programs
Accessible Homes for Seniors
http://www.mdhousing.org
1-866-602-0064
410-638-3025

Provides zero interest loans to modifiy home space in order to make the home more accessible.  Loan payments are deferred for 30 years or until the sale or transfer of the ownership of the home.  Applications can be obtained at the Harford County Office on Aging or the maryland Dept. of Housing & Community Development.

Must be age 55 or older and meet income eligibility.

  annual income assets
Individual $46,032 No test
Couple $52,608 No test
Harford County Housing Program
Harford County Housing Agency
15 South Main Street, Suite 106
Bel Air, MD 21014
http://www.harfordcountymd.gov/housing/
410.638.3045; 3046; 3050

This program is very similar to the Subsidized Housing Program. Individuals must be 62 or older or disabled, and Harford County residents for at least the past consecutive five years. A waiting list may apply.

Renter's Assistance Program (RAP)
Harford County Housing Agency
15 South Main Street, Suite 106
Bel Air, MD 21014
http://www.harfordcountymd.gov/housing/
410.638.3045; 3046; 3050
RAP provides a rent subsidy to low income residents who are either homeless or in need of temporary emergency housing. They cannot be eligible for any other housing assistance program and must be capable of returning to self-sufficiency. There is a one year maximum period for the subsidy. Funding is limited.
Senior Subsidized Housing .

Some apartments in Harford County offer a sliding-scale rental fee to seniors based on income. Individuals must be age 62 or over or disabled. (St. John's Towers and Harford Senior Housing do not have a provision for the disabled.) A waiting list may apply.

 

Subsidized Housing Program
Harford County Housing Agency
15 South Main Street, Suite 106
Bel Air, MD 21014
http://www.harfordcountymd.gov/housing/
410.638.3045; 3046; 3050
This program supplements the rent payments of those who qualify by providing vouchers to use with private landlords. Generally, eligible tenants pay no more than 30% of their gross family income for rent. A waiting list may apply. Participants must be 62 or older or disabled and must be income eligible.
 
In-Home Care Assistance
Caregiver's Assistance Respite Program
Alzheimer's Association
1.800.443.2273

Respite services are provided that are short-term and designed to give family caregivers a break from their responsibilities. Fees for respite services are based on family income. Recipients must need help with tasks or be disabled and must have someone who provides them with help; or the recipient must care for an elderly, disabled person and need assistance with care giving duties.

In-Home Aide Services (IHAS)
Department of Social Services
410.836.4717

In-Home Aide Services provide assistance with meal planning and preparation, personal care, transfers in and out of bed, cleaning specific rooms, personal laundry, transportation to specific facilities and money management. Income guidelines apply, and there may be a fee depending on income. Recipients must need help with tasks or be disabled and must not live in a nursing home. A waiting list may also apply.

 

Medical Assistance Personal Care Program (MAPC)
Harford County Health Department
http://www.harfordcountyhealth.com
410.638.8466
Personal care services and light chores are provided for individuals who are receiving Medical Assistance (Medicaid).
Senior Care Program
Harford County Office on Aging
410.638.3025

The Senior Care program provides services to help frail, older persons continue to live in their homes. Senior Care evaluates the older person's service needs, then a case manager helps locate and arrange for the needed services. Older persons who meet the income and asset limits may receive some services for free or at a reduced cost. Recipients must need help with tasks or be disabled and must be 65 or older. They must also be a Maryland resident.  A waiting list may apply.  Income guidelines are as follows:

Size of Household

Monthly Income

Assets

Apply At

1 person $2,637.00 $11,000 Office on Aging
2 persons $3,448.00 $14,000 Office on Aging
VA Respite Care 1.800.949.1003
410.642.2411; 5018; 5689
In-patient respite care may be provided for up to 10 days a year to eligible veterans.
 
Legal Assistance
Harford County Bar Association
Legal Aid Bureau
410.836.8202
Referrals to attorneys are provided, as well as pro bono (no charge) service.
Senior Legal Assistance Program
Legal Aid Bureau
410.836.8202
The Senior Legal Assistance Program provides assistance with legal problems, including legal advice, representation at administrative proceedings and representation in court. Priority is given to the most critical problems, relating to matters such as income maintenance/disability benefits, health care, protective services, nutrition/food stamps, etc. Individuals must be 60 or older and must live in Maryland.
Senior Legal Hotline
http://www.mdlab.org/
1.800.999.8904
Attorneys answer legal questions for seniors. This number also connects to the Maryland Bar Association 60+ Legal Program which assists low income seniors with certain legal services, such as the writing of a will. Income eligibility applies.
 
Medical and Pharmacy Assistance
Donated Dental Services
MD Foundation of Dentistry for the Handicapped
410.964.1944
1.877.337.7746
Volunteer dentists are located who will provide comprehensive dental care at no cost to those with a "serious disability". Financial eligibility applies, as well as a waiting list.
Extra Help with Medicare D Prescription Drug Program
Social Security Administration
http://www.ssa.gov
1-800-722-1213

Extra Help provides asssitance to qualifying Medicare beneficiaries who have a Medicare D prescription drug plan.  Benefits vary depending on income level.  Asset levels also apply.  Extra Help may help with the cost of premiums, deductibles and/or co-payments.

Loan Closet
Harford County - Office on Aging
410.638.3025
Durable medical equipment is loaned to senior citizens who might not be able to afford these items. Items that can be borrowed include wheel chairs, walkers, canes of all types, bedside commodes, shower chairs, elevated commode seats, bathtub bars and wheel chair and walker baskets. Incontinent supplies are available free of charge for those who cannot afford them. Donations to the Loan Closet are also accepted.
Maryland Primary Adult Care (PAC)
P.O. Box 386
Baltimore, MD 21203
http://dhmh.state.md.us/mma/pac
1.800.226.2142

This program assists with the purchase of qualified prescription drugs.  Benefits include: free visits to a family physician; and lower-riced or no-cost prescritption medications.

Size of Household

Monthly Income

Assets

Apply At

1 person $1053.00 n/a  
2 persons $1422.00 n/a  
Medical Assistance (MA-Medicaid)
Department of Social Services
410.836.4700

This program covers medical expenses (including pharmacy) for low income individuals. Doctors and suppliers must accept Medical Assistance in order for participants to be covered. It may also cover personal care services in the home, adult day care and transportation. Recipients must be income/asset eligible. Anyone on SSI will automatically be eligible. There is a "spend down" mechanism. Income guidelines are as follows:

Size of Household

Monthly Income

Assets

Apply At

1 person $350.00 $2,500 Department of Social Services
2 persons $392.00 $3,000 Department of Social Services

Medical Assistance Qualified Medicare Beneficiary
Department of Social Services
2 S. Bond St.
Bel Air, MD 21014
410.836.4700

This program acts as a "medigap" policy, covering Medicare deductibles and co-pays and paying for Part B premiums. It does not cover medications. To qualify, individuals must have Medicare Part A & B and must be income/asset eligible. Income guidelines are as follows:

Size of Household

Monthly Income

Assets

Apply At

1 person $951.00 $8,440 Department of Social Services
2 persons $1,281.00 $13,410 Department of Social Services
Special Low-Income Medicare Beneficiary (SLMB Q-1)
Department of Social Services
2 S. Bond St.
Bel Air, MD 21014
410.836.4700

SLMB (Q-1) helps to pay a portion of Medicare's Part B premium.  The following income and asset guidelines apply.

 

  income assets
1 person $1,277.00 per month $8,440
2 persons $1,732.00 per month $13,410
Specified Low-Income Medicare Beneficiary (SLMB)
Department of Social Services
410.836.4700 in Bel Air

This program pays for the Part B premium of Medicare only. Recipients must have Medicare Part A & B and be income/asset eligible. Income guidelines are as follows:

Size of Household

Monthly Income

Assets

Apply At

1 person $1,137.00 $8,440 Department of Social Services
2 persons $1,533.00 $13,410 Department of Social Services
State of Maryland Senior Prescription Drug Assistance Program
Maryland Health Insurance Plan
http://www.marylandspdap.com
1-800-551-5995

State of Maryland Senior Prescription Drug Assistance Program (SPDAP) is available to limited income individuals who have a Medicare D prescription drug plan.  The Program pays up to $25 toward the Medicare D prescription drug plan premium.

 

  Monthly Income Assets
Individual $2,959.16 No test
Couple $3,782.50 No test
Uncompensated Care/Hill-Burton .
This program can help to pay hospital bills. Application is made at local hospitals and income eligibility applies.
 
Tax Assistance
AARP Tax Volunteer Program
http://www.aarp.org/taxaide/
410.638.3425

Volunteers assist senior citizens and eligible low-incoem persons fill out their income tax forms at no charge.

Homeowner's Property Tax Credit
State Department of Assessment and Taxation
http://www.dat.state.md.us/sdatweb/taxcredits.html
1.800.944.7403
Persons qualifying for this program will receive a property tax credit. They must own their residence and must pay property tax.
Renter's Tax Credit Program
State Department of Assessments and Taxation
http://www.dat.state.md.us/sdatweb/taxcredits.html
1.800.944.7403
Eligible persons receive a credit of up to $600 per year for the amount of assumed property taxes they pay in excess of a percentage of their annual rent. Eligible persons must be 60 or older, or disabled, or need help with tasks, or a widow or widower, and must rent a residence.
 
Telephone Bill Assistance
Life-Line 1.800.525.0145
This program lowers the cost of phone bills for individuals receiving SSI.
 
Veterans' Assistance Programs
Army Emergency Relief 410.278.2508
Financial assistance is provided to spouses of Army personnel who died while on active duty or after retirement from the Army.
Maryland Veteran's Commission 410.836.4900
1.800.446.4926
For qualifying veterans and/or widows of veterans, various benefits are available. Call a VA counselor for specific services and benefits. Some benefits include pensions, medical treatment, long-term care and burial.
Veterans' Assistance Program (DAV) 1.800.949.1003, Ext. 5384
Volunteer drivers provide transportation to Perry Point VA Hospital.