Life change guide
I'm turning 65
Learn what benefits to apply for when you turn 65. Medicare, SNAP, SSI, and more programs explained.
Where to start
Reaching this milestone brings big decisions about health coverage and money. It is normal to feel unsure about where to start. The good news is that help is available, and you can take it one step at a time.
Medicare is the main health insurance for older adults. When you sign up matters, so start looking into it early. Medicare also has costs, like premiums and copays. If your income and savings are limited, other programs may help pay those costs and lower what you pay for prescriptions.
Food help and cash help may be available too. SNAP has special rules for households with someone aged 60 or older. For example, you only need to meet the net income limit. Keep your Social Security details and bank statements handy, since many applications ask for them.
Do these first
- 1
Step 1
Check when to sign up for Medicare
Look into when you can sign up for Medicare well ahead of time. Signing up at the right time matters.
About Medicare - 2
Step 2
Get help paying Medicare costs
If money is tight, apply for a Medicare Savings Program through your state Medicaid office. It may help pay your Medicare premiums.
About MSP - 3
Step 3
Apply for Extra Help with drug costs
Extra Help may lower what you pay for Medicare Part D premiums, deductibles and copays. You can apply through Social Security.
About Extra Help - 4
Step 4
See if you qualify for SSI
SSI pays monthly cash to older adults who have limited income and resources. Contact Social Security to apply.
About SSI - 5
Step 5
Apply for SNAP
Households with someone aged 60 or older only need to meet the net income limit, and some medical costs may count as deductions. Apply through your state.
About SNAP