Hidden Benefits You Might Qualify For: Money-Saving Opportunities

Many individuals and families across the country are struggling to keep up with everyday costs. From housing and healthcare to food and utilities, expenses are rising. But what many don’t realize is that there are several hidden government benefits, grants, and assistance programs that often go unclaimed.

If you’re living on a low or moderate income, it’s worth exploring these lesser-known opportunities. You might be surprised at what you qualify for and how much support is available.

1. Utility Bill Assistance Programs

Utility costs can eat up a big chunk of your monthly budget. Fortunately, several programs can help. One of the most overlooked is the Low Income Home Energy Assistance Program (LIHEAP). This program helps eligible households with heating and cooling bills, and in some cases, even with home weatherization.

Learn more about energy assistance for the low-income and how to apply in your state.

2. Housing Grants and Subsidized Housing

Many people are familiar with Section 8 vouchers, but that’s only one part of a much larger network of housing support. Programs like Section 202 and Section 811 offer housing specifically for seniors and people with disabilities. There are also state-run rental assistance programs and federal housing grants designed to prevent homelessness or support long-term stability.

If you’re new to housing support, start with this comprehensive Section 8 affordable housing guide and explore additional resources like what are housing grants and the benefits of affordable housing.

3. Healthcare Programs for Low-Income Families

Healthcare costs are often a major concern. But there are a number of healthcare options you may qualify for. Programs like Medicaid and CHIP offer low-cost or no-cost health coverage for children and adults, including dental and vision care in some states.

To find out if you qualify, visit our guides on enrolling in Medicaid and how to enroll in CHIP.

4. Support for Seniors and People with Disabilities

Many seniors and individuals with disabilities qualify for extra support, but don’t know where to start. Programs like SSDI (Social Security Disability Insurance) and SSI (Supplemental Security Income) are commonly known, but others like the Assisted Living Waiver and Section 811 housing for persons with disabilities are less talked about.

Check out our guide to SSDI and SSI benefits to learn more about how to apply and what’s available.

5. Food Assistance Programs Beyond SNAP

You may already know about SNAP (Supplemental Nutrition Assistance Program), but do you know the difference between SNAP and WIC? Or that you may qualify for both?

WIC (Women, Infants, and Children) offers nutritional support to pregnant women and young children, while SNAP provides monthly food benefits. Learn more about the difference between SNAP and WIC programs, and how to apply for WIC or understand how SNAP works.

6. Tax Credits That Could Put Money in Your Pocket

Each year, billions of dollars in tax credits go unclaimed. The Earned Income Tax Credit (EITC) and Child Tax Credit are two key credits designed to support working families. Many eligible individuals don’t realize they qualify, especially if they didn’t earn much or didn’t file a tax return.

If you didn’t file, here’s what to do if you didn’t file a tax return, and get familiar with the latest updates on child tax credit payments.

7. Unemployment and Job Loss Support

Lost your job or facing reduced hours? There are several programs that offer financial relief while you get back on your feet. You can start a claim by following our unemployment claim guide.

Additionally, some states offer career training programs, resume workshops, and job placement support that could help you find new opportunities.

8. Rental Assistance and Housing Stability

Renters facing hardship often don’t realize the range of help available. Beyond just Section 8, you might be eligible for emergency rental assistance, state grants, or temporary housing support.

Start with our tips on what to do if you need emergency housing or how to apply for Section 202 housing if you’re a senior. You can also learn more about the steps to Section 8 and transferring Section 8 to another state.

9. Financial Support for Parents and Families

Families with children often qualify for multiple types of assistance, from housing to food to tax credits. One often overlooked resource is TANF (Temporary Assistance for Needy Families), which offers cash help and job training.

If you think you might be eligible, visit our page on TANF benefits and eligibility.

10. Credit Help for Renters and First-Time Buyers

Your credit score can affect your ability to rent, buy a home, or even qualify for certain assistance programs. Understanding the credit score impact on rental assistance is crucial.

If homeownership is your goal, learn about the FHA loan application process or consider alternative options like rent-to-own homes.

11. Help With Disabilities, Service Animals, and Emotional Support

There are specific housing protections and benefits for individuals with service animals or emotional support animals. Knowing the difference between service animals and emotional support animals can make a big difference when applying for housing or requesting accommodations.

12. Know Your Rights as a Tenant

Whether you’re renting through a program or privately, it’s important to know your rights. Our landlord-tenant rental housing rights guide breaks down the basics, from fair housing laws to eviction protections.

Frequently Asked Questions

What kinds of utility bill assistance exist beyond LIHEAP?

Aside from LIHEAP, many states and utility companies offer rate discounts or emergency funds. Nonprofits and local governments may also offer weatherization services. Check your utility’s website or state energy office for details on these lesser-known programs.

Are there housing grants besides Section 8 that I might qualify for?

Yes. Programs like Section 202 (for seniors) or Section 811 (for people with disabilities) offer subsidized housing. States also run rental assistance initiatives, and private nonprofits provide grants to prevent homelessness. See What are Housing Grants? for more info.

Can I get health coverage if I can’t afford private insurance?

Medicaid and CHIP help low-income families access free or low-cost medical care. If you’re over 65 or have certain disabilities, you may qualify for Medicare. Check Enrolling Medicaid Guide for a step-by-step on applying to Medicaid.

Is there extra assistance for older adults or disabled people?

Yes. Programs like SSDI, SSI, Section 811 housing, and the Assisted Living Waiver provide targeted help. Many seniors also use Housing Choice Vouchers to reduce rent costs. For more, see SSDI vs. SSI: Understanding the Key Differences in 2025.

Besides SNAP, what other food assistance can I get?

WIC (for women, infants, and children) covers select nutritious foods, while community food banks and summer meal programs (for kids) offer additional help. You may qualify for both WIC and SNAP if you meet each program’s requirements.

Are there tax credits that could give me a refund even if I don’t owe taxes?

Yes. The Earned Income Tax Credit (EITC) and Child Tax Credit can result in large refunds for many low-to-moderate income workers. Even if you have no tax liability, you might still get a refund check.

What resources can help if I lose my job or work hours are cut?

Unemployment insurance can temporarily replace part of your income. Most states let you file claims online. Additionally, free job training and resume assistance programs exist. For step-by-step guidance, read our guide on How to Make an Unemployment Claim .

Where else can I learn about hidden government benefits?

Try Benefits.gov for a broad overview or contact local agencies to discover city- or county-level grants. For housing, see Affordable Housing Common Q & A. For food or medical coverage, look into local nonprofits or faith-based groups offering emergency assistance.

Start Exploring What You Qualify For

The truth is, a lot of people miss out on help they deserve simply because they don’t know it exists. If you’re facing financial hardship or just want to make sure you’re not leaving benefits on the table, it pays to explore all your options.

There’s no harm in applying and everything to gain. Take the time to check your eligibility, read up on the programs available, and reach out to local organizations for help.

Need help figuring out where to start? Our top picks include the steps to Section 8, how SNAP works, and enrolling in Medicaid. Start there and keep going.

You’re not alone, and with the right information, you can get the support you need to move forward.