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2022 Financial Eligibility Guidelines

Review the programs and services listed below, offered by the federal, state and local government. These are designed for low-income/limited households. Each has financial eligibility guidelines, which are subject to frequent updates. For more information, refer directly to the program you are interested in.

Note: Asset tests are only listed for those programs for which they are required.

TypeBenefit DescriptionOne PersonTwo People

Utility

Affordable Connectivity Program

Helps pay for internet service and connected devices like laptops or tablets.

Income: $2,265Income: $3,052
Utility

Maryland Low Income Household Water Assistance Program (LIHWAP)

Provides financial assistance towards water and wastewater bills. Applicant needs to have at least $100 worth of arrearages to qualify.

Income: $3,324Income: $4,347
Food

Supplemental Nutrition Assistance Program (SNAP)

Helps buy food needed for good health. The benefit amount varies based on household circumstances. Income limits may be lower. Asset tests may exist for some categories of individuals.

Visit myDHR to apply.

Income: $2,127 per month

Income: $2,873 per month

Utility

Maryland Energy Assistance Program (MEAP)

Changed July 1

Provides assistance with home heating bills. Only one person has to be 67 years old in the household to use the higher income figures. Only one application is required for both the Maryland Energy Assistance Program and Electric Universal Service Program.

Income:

  • $1,982 per month (under 67) 
  • $2,265 (over 67)

Income:

  • $2,670 per month (under 67)
  • $3,052 (over 67)
Utility

Electric Universal Service Program (EUSP)

Changed July 1

Provides assistance with electric bills. Only one application is required for both the Maryland Energy Assistance Program and Electric Universal Service Program. Only one person has to be 67 years old in the household to use the higher income figures.

Income:

  • $1,982 per month (under 67)
  • $2,265 (over 67)

Income:

  • $2,670 per month (under 67)
  • $3,052 (over 67)
Medical

Medical Assistance for Ages 65 and Up

State-funded health insurance. Requires documentation of disability; individuals can "spend down" to this income level to be eligible. Excludable assets include house, car, and burial plan. 

Visit myDHR to apply.

Income: $350

Assets: $2,500

Income: $392

Assets: $3,000

Medical

Medical Assistance for Ages 65 and Younger

State-funded health insurance. Typically requires that applicant not receive any other types of health insurance, including Medicare. Excludable assets include house, car and burial plan.

Visit myDHR to apply.

Income: $1,564

Income: $2,106

Medical

Reduced Health Insurance Premiums for Qualified Plans through Maryland Health Connection

To qualify, you must be

  • Under age 65
  • A U.S. citizen
  • A qualified alien for five or more years
  • A resident of the state of Maryland
  • Without access to any other form of insurance

Income: $1,565 to $8,104 per month (for age 60)

Income: $2,107 to $16,208 per month (for age 60)

Income

Supplemental Security Income (SSI)

Medical Assistance eligibility automatic.

Income: $841

Assets: $2,000

Income: $1,261

Assets: $3,000

Home/Community

Home and Community Based Options Waiver

Assists with payment of services in the home or in assisted living. Must be assessed at nursing home level of care and meet Medical Assistance institutional eligibility rules. Age 18 and older. Income eligibility figure includes $20 disregard.

Income: $2,523

Assets: $2,000 or $2,500 depending on eligibility category

Income: Only the applicant's income is considered.

Assets: $2,000 or $2,500 depending on eligibility category

Income

Senior Community Service Employment Programs.(SCSEP)

Employment for low-income, age 55 and up.

Income: $1,416

Income: $1,907

Home/Community

Senior Care Program

Case-managed, in-home services for age 65 and up. Must be at risk of admission to a nursing home.

Income: $3,324

Assets: $11,000

Income: $4,346

Assets: $14,000

Emergency

Seniors in Need (Expo Fund)

One-time-only emergency assistance.

Income: $2,265

Assets: $7,000

Income: $3,052

Assets: $10,000

Home/Community

Senior Assisted Living Group Home Subsidy

Provides financial assistance for a limited number of eligible assisted living group home residents age 62 and up. Will pay up to $1,000 toward cost of facility.

Income: $3,324

Assets: $19,000

Income: $4,346

Assets: $25,000

Home/Community

Congregate Housing Services Program (CHSP)

Financial assistance for support services in selected senior housing sites for ages 62 and up.

Income: $3,324

Assets: $27,375

Income: $4,346

Assets: $35,587

Home/Community

Accessible Homes for Seniors

A loan program with zero percent interest deferred for 30 years to finance accessibility improvements. Age 55 and up.

Income: $4,663

Income: $5,329

Home/Community

Veterans Aid and Attendance Benefit/Aid and Attendance for Surviving Spouse

Payments for personal care assistance or assisted living through the Veterans Aid and Attendance Benefit for Veterans who are homebound. Veteran must have over 90 days active duty, one day during time of war.

Net worth: $138,489

Net worth: $138,489

Medical

Employed Individuals with Disabilities Program (EID)

Extends Medical Assistance benefits to Marylanders age 18 to 64 with disabilities.

Income: No limit

Assets: Under $10,000

Income: No limit

Assets: Under $15,000

Utility

Weatherization Assistance Program (WAP)

Helps with the installation of energy conservation materials and major appliances.

Income: $3,245 per month

Income: $4,243 per month

Utility

EmPOWER Maryland

Helps with the installation of energy conservation materials and major appliances.

Income: $4,663

Income: $5,325

2022 Federal Poverty Limit Guidelines

The federal government sets the Federal poverty limit each January.

  • One person: $1,133 per month ($13,590 per year)
  • Two people: $1,526 ($18,310 per year)
  • Three people: $1,910 per month ($23,030 per year)
  • Four people: $2,313 per month ($27, 750 per year)

Medicare 2022

Learn more about Medicare benefits, enrollment criteria and eligibility for savings:

Medicaid Long-Term Care Facilities Spousal Impoverishment Standards

All non-exempt assets (such as savings and checking accounts, stocks, bonds) owned by either spouse, jointly or separately, are pooled as of the date the nursing home spouse enters the nursing home. The community spouse may keep $26,076 or half the assets, whichever is greater, but not more than $130,380. The couple's remaining assets are used to pay for nursing home care or other expenses until the nursing home spouse's assets reach the Medicaid eligibility level. The community spouse's income will be evaluated to determine how much, if any, of the nursing home spouse's monthly income can be allowed for the community spouse's monthly maintenance allowance.

Assets for Community Spouse

  • Maximum Spousal Share: $137,400
  • Minimum Spousal Share: $27,480

Income for Community Spouse

  • Minimum Monthly Maintenance Needs Allowance: $2,288.75
  • Community Spouse Monthly Housing Allowance: $686.63
  • Maximum Monthly Maintenance Needs Allowance: $3,435

Explore Senior Financial Resources

 

Contact Us

Department of Aging

611 Central Avenue
Towson, Maryland 21204

Hours

Monday through Friday
8 a.m. to 4:30 p.m.

Phone

Fax

410-887-2015

Director

Laura D. Riley

 
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