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If you or someone you love has entered retirement or is about to soon, it’s probably safe to bet that your two biggest concerns are health and money. The first one is between you and your doctor. When it comes to navigating the complicated financial landscape of life beyond your earning years, however, you are not alone.
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The following is a list of resources, tools and organizations designed specifically for older Americans in need of financial guidance. The list includes everything from housing and healthcare to debt and investing — and every single resource was designed with seniors in mind.
If you’re a retiree facing financial uncertainty, keep reading.
Start With HUD for Most Housing Issues
The Department of Housing and Urban Development (HUD) plays a role in the lives of millions of retirees, and its Information For Senior Citizens page organizes links to all of the agency’s relevant programs.
This is the place to visit if you need help:
- Staying in your home: Here, you’ll find information on reverse mortgages, rural housing loans, federal housing and housing counseling
- Finding an apartment: This section offers links to programs for affordable rent, public housing, rural rental help and Housing Choice Vouchers (Section 8)
- Staying safe: This category provides information on how HUD can help you fight housing discrimination and avoid reverse mortgage scams
Need Help Paying for Utilities? Try LIHEAP
The Low Income Home Energy Assistance Program (LIHEAP) is a federally funded initiative that your state administers. It’s the first site retirees should visit if they’re having trouble paying for their utilities. The program helps qualifying individuals pay for home heating and cooling costs and some seniors might even qualify for upgrades and improvements to make their homes more energy-efficient.
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Need Help Paying for Anything Else? Visit USA.gov
USA.gov is an official website of the United States government, and it maintains a page called Help With Bills, which offers retirees and other seniors a large database of links, contacts and resources.
Visit the site if you’re struggling with housing costs, medical bills, health insurance, prescription drugs, or landline telephone or cell phone service.
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