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Senior Benefits in California

Plain-English guides to state and federal programs that many older Californians may qualify for. Each guide cites its official sources and explains how to apply.

Medi-Cal and Medicare

The asset limit, what to do before 65, programs that help pay Medicare costs, and choices for people with both.

  1. Medi-Cal Asset Limit: $130,000 Now, $21,000 From July 2027

    Medi-Cal counts assets again for people 65 and older. The current limit, the new limit from July 1, 2027, which assets are not counted, and what to do now. From DHCS.

  2. Turning 65: Your Medicare Checklist

    The 7 month enrollment window, who is enrolled automatically, late penalties, 2026 Part B costs, and programs that help pay. From Medicare.gov and CMS.

  3. Medicare Savings Programs in California (QMB, SLMB, QI)

    California programs that pay the Part B premium, and sometimes deductibles, for people with limited income: 2026 income limits, asset limit, how to apply.

  4. Medicare and Medi-Cal in Orange County: Your 2027 Options

    Medicare and Medi-Cal in Orange County: Medi-Medi plans like CalOptima OneCare, Original Medicare with Medi-Cal, or Medicare Advantage, and when to switch.

Food, phone, and electric and gas bills

CalFresh for groceries, phone and internet discounts, and lower electric and gas bills.

  1. CalFresh for Older Adults: People on SSI Can Apply

    People on SSI have been able to apply for CalFresh since 2019. People over 64 are excused from the new June 2026 work rules. The 2026 changes and how to apply. From CDSS.

  2. California LifeLine: Phone and Internet Discounts

    People with Medi-Cal, CalFresh, SSI, or a limited income may get a home phone, cell phone, or internet discount. Who qualifies, income limits, how to apply.

  3. Lower Electric and Gas Bills: CARE, FERA, and LIHEAP

    CARE cuts electric bills 30 to 35 percent at large utilities and gas bills 20 percent. FERA and LIHEAP help too. 2026 to 2027 income limits and how to apply.

Care at home

IHSS pays for help with housework and personal care so you can stay in your own home.

  1. IHSS: California Pays for In-Home Care

    IHSS helps people 65 and older, blind, or disabled with Medi-Cal get help with housework and personal care at home. Who qualifies, what it covers, and how to apply.

Need free help?

These official lines help for free. Call them directly; no agent needed.

The guides draw on official sources: DHCS, CDSS, Medicare.gov, CMS, CPUC, CSD, CalOptima Health.

Call 714-666-6669