Key Takeaways

  • Each year, $30 billion in benefits is left on the table by older adults who are eligible for assistance programs but not enrolled.

  • Personal stories, like Harry's below, show why it’s so important to enroll in all the benefits programs you qualify for—benefits that can help you save money and live better.

  • During NCOA's Boost Your Budget® Week (April 10-14, 2023), learn about programs that can help you pay for food, medicine, utilities, and more.

Sixty-eight-year-old Harry suffered a devastating brain injury shortly after he retired. His wife had to quit her job to take care of him. Although Harry, who asked to remain anonymous in the telling of his story, had been enrolled in Medicare Part B prior to his retirement, his coverage was suspended when he had returned to work. Now caring for his brain injury and trying to make ends meet, the couple struggled with getting Harry reinstated for Medicare Part B. They nearly gave up when Social Security lost his file and all the paperwork that went with it.

How a Benefits Enrollment Center helped Harry find $7,175 in annual savings

Harry's story is just one of many.

In fact, millions of older adults who are eligible miss out on benefits programs that can help pay for healthcare, prescriptions, food, utilities, and more.

Harry and his wife later found Legal Services for the Elderly, a local Benefits Enrollment Center (BEC) in Maine. They offered Medicare 101 presentations, and desperate to find help, they opted to get more information.

BECs offer services like this, outreach programs that help Medicare members with low income and people with disabilities find and enroll in all the benefits programs they may qualify for. No one at a BEC will try to sell you anything or steer you toward a certain program. And talking to a benefits counselor is free and 100% private.

With a sympathetic ear, her benefits counselor at Legal Services for the Elderly listened to the couple’s struggles and came up with a solution. In the end, they helped Harry and his wife apply for food assistance benefits through the Supplemental Nutrition Assistance Program, as well as a Medicare Savings Program (MSP).

Their counselor explained that by getting Harry into an MSP, the program would reinstate his Medicare Part B coverage. Even better, the state would pay any penalty (if he received one) for not having Part B in place. The MSP Harry qualified for—the Qualified Medicare Beneficiary Program (QMB)—would cover all of his Medicare co-payments and premiums. It would also automatically qualify him for Part D Extra Help.

Harry’s wife was delighted that the counselor helped them realize a potential annual savings of $7,175. “Life has been a struggle lately,” she said.

These programs will give us some relief, so we don’t have to worry about money so much. We’re so thankful for the help.”

Harry wasn't the only one missing out on money-saving benefits

There’s a wide array of money-saving benefits programs for older Americans who struggle with the costs of living. But unfortunately, a large portion of these benefits go unclaimed. Each year, $30 billion in benefits is left on the table by people who are eligible for assistance, but not enrolled.

What benefits are out there to help older Americans?

Here are some examples, below:

  • Medicare Part D Low-Income Subsidy (LIS, or Extra Help): For older adults with limited income and assets, Extra Help can lower out-of-pocket costs for the medications they need to stay healthy. The Social Security Administration estimates the annual value of Extra Help at $5,300. However, NCOA found that roughly 1.5 million people who are eligible for the program are not enrolled.
  • Medicare Savings Programs (MSPs): At a minimum, the MSPs pay for a person’s monthly Part B premium ($164.90/month in 2023, or $1,978.80 annually). The Centers for Medicare & Medicaid Services (CMS) shows that roughly 1.25 million people receiving Extra Help also qualify to receive, but are not enrolled in, an MSP.1 Additional estimates from NCOA and MACPAC point to as many as 2 to 3 million people missing out on this critical benefit.2
  • Supplemental Nutrition Assistance Program (SNAP): SNAP helps older adults buy the healthy food they need to age well and live independently for longer. The average monthly benefit for an older adult living alone in FY20 (the most recent year that data are available) was $105/month.3 However, roughly three out of five seniors who qualify to receive SNAP do not enroll in the program. That's an estimated 5 million people who are missing out on critical financial assistance totaling billions of dollars each year.4

The benefits programs mentioned above are just a small snapshot of the dozens available to help older adults reduce their monthly expenses. And what about the people who do step up to claim the benefits they’re entitled to? They can testify to the positive and even life-changing impact these assistance programs can have. Below are two more inspiring stories shared by NCOA’s Center for Benefits Access.

Meet two other older adults who found out they qualified for help

Ron was connected with prescription assistance, and more

Ron called NCOA's Benefits Helpline from his Oregon home because his prescription co-pay assistance was about to expire. He was worried he wouldn’t be able to afford some of his prescriptions without this extra support, especially considering one of his medicines cost as much as $2,000 per month without insurance. Ron, who also asked to remain anonymous, mentioned he’d been hearing about other types of programs that might be able to help him, like food assistance. “But I didn’t feel like I could trust the sources of that information,” he told us. “I wasn’t sure where to get accurate information.”

Kari, an NCOA call center representative, offered to help Ron check his eligibility for prescription and food benefits, as well as assistance with home repairs. After gathering some basic information, she put together a packet containing information on several benefits programs Ron qualified for. The packet contained details on each program and who to call for help in filling out an application.

“I was very grateful Kari took the time to help me, and for the information she was able to share,” Ron told NCOA.

Ms. Brito had her benefits reinstated during an emergency

Ms. Brito, a 72-year-old single woman, had traveled to the Dominican Republic for a family emergency. She stayed in her home country for more than 30 days. Upon returning to New York City, she was shocked to learn she had lost her Supplemental Security Income (SSI) benefits.

Frantic, Ms. Brito reached out to Isabella Geriatric Center, one of NCOA’s Benefits Enrollment Centers serving New York City Medicare beneficiaries. She was told that because she was out of the country beyond the allowable number of days, she was being charged an overpayment. This required Ms. Brito to pay back the amount she received during the time she was out of the country. The BEC counselor explained how she could avoid this in the future by contacting Social Security in advance.

In addition, due to the emergency nature of Ms. Brito’s situation, the BEC counselor received her permission to complete and submit a form requesting that the overpayment be waived or reduced. The waiver was approved and all of Ms. Brito’s benefits were reinstated—including her Medicaid, SNAP, Medicare Savings Program, and SSI.

Ms. Brito was relieved and filled with gratitude. Had she not called NCOA's Benefits Enrollment Center, she’d be missing out on critical, money-saving benefits on top of being charged for an SSI overpayment. “God bless Isabella for assisting the seniors in the community,” she told us.

Don’t miss out on money-saving benefits you’re entitled to

During NCOA's Boost Your Budget® Week (April 10-14, 2023), our goal is to spread awareness about local and government benefits for seniors over 65 enrolled in Medicare. These benefits can help you spend less and worry less.

What’s an easy way to find out the kind of assistance you can get? NCOA’s  BenefitsCheckUp® tool. This free online resource can help you check your eligibility for programs that can save you money on health care and medication, housing and utilities, food and nutrition, disability services, and more. You can even find out about additional discounts and activity opportunities in your area. To get started, visit the BenefitsCheckUp® website and enter your ZIP code.

Questions? Find a Benefits Enrollment Center near you or call NCOA's Benefits Helpline at 1-800-794-6559, Monday through Friday from 8 a.m. to 7 p.m. ET.


1. Percentage of individuals enrolled in the Medicare Part D Low Income Subsidy Program (LIS), Centers for Medicare and Medicaid Services (CMS). Found on the internet at

2. Medicare Savings Programs: New Estimates Continue to Show Many Eligible Individuals Not Enrolled, MACPAC. Found on the internet at

3. Characteristics of Supplemental Nutrition Assistance Program Households, Fiscal Year 2020, U.S. Department of Agriculture (USDA). Found on the internet at

4. SNAP Participation Lags Among Eligible Seniors in Every State, Putting Them at Greater Risk of Hunger, Food Action & Resource Center (FRAC). Found on the internet at