After any natural disaster, finding stability and starting the rebuilding process can take months—or even years. Professionals who are knowledgeable about the particular needs of older adults can smooth some bumps along the road.

“For example, Medicare rules can change for enrollees who are displaced,” explained Jen Teague, NCOA Associate Director for Health Coverage and Benefits. “Having someone to help navigate those rules can make a really stressful time a little less so.”

In this article, we outline several organizations and resources with extensive experience working with older adults. Keep reading to learn how to:

• Find national benefits programs and get local, in-person help to apply
• Access community-based emergency relief resources and information
• Understand temporary changes to Medicare benefits
• Support your mental health needs

Where can I find and learn about federal and state emergency assistance?

Visit NCOA’s BenefitsCheckUp® to browse for expanded benefits and new programs 

that become available to people affected by declared natural disasters. These programs can help with:

• Shelter
• Nutrition
• Tax relief
• Energy assistance
• And more

NCOA also maintains a network of Benefits Enrollment Centers in communities across the country. Staff at these BECs can answer questions and assist with enrollment in person.

Where can I get local disaster assistance?

The Eldercare Locator can connect you to resources all in one place. Use it to find services in your community that provide information on topics ranging from legal assistance to transportation needs. Out-of-town family members can also use the locator to help connect displaced relatives with local assistance.

The Eldercare Locator is available online or by calling toll-free 1-800-677-1116 Monday through Friday, 9 a.m. to 8 p.m. ET.

Where can I find information about Medicare coverage during a disaster?

If you live in a place that's been declared an emergency or disaster area, the usual rules for your medical care may temporarily change. Your State Health Insurance Assistance Program (SHIP) can answer questions about your Medicare coverage and help you get any replacement documents you may need.

You can find their number online by entering your ZIP code or by calling toll-free 1-877-839-2675.

For additional information on how to manage specific health conditions following a disaster, visit Medicare.gov.

Where can I find post-disaster mental health support?

In stressful situations like disasters, it is important to take care of your mental health. If you or someone you know is in emotional crisis, text or call 988 or visit 988Lifeline.org. 

Where else can older adults find help after a disaster?

There are many federal, state, and local sources that can help with food, housing, and other needs. Discover 6 disaster assistance programs and how to apply.