Every Program We Screen For

Usher screens for 43 programs across Massachusetts, Connecticut, and the federal government. On average, 70% of eligible people are not enrolledin programs they’ve earned. Most people we screen qualify for 3–7 programs worth $8,000 or more per year.

Program	Eligibility	Avg Value	State	Underutil.	What We Do
MassHealth Senior Buy-In (QMB)	Income ≤190% FPL, assets ≤$2,000	$2,500–$4,500/yr	MA	50%	Screen, apply, gather documents, follow up through approval
MassHealth Buy-In (SLMB/QI)	Income 190–225% FPL, assets ≤$2,000	$2,220/yr	MA	60%	Screen, apply, coordinate with Senior Buy-In if borderline
CT Medicare Savings — QMB	Income ≤211% FPL, assets ≤$11,092	$2,500–$4,500/yr	CT	50%	Screen, apply through DSS, gather documents
CT Medicare Savings — SLMB	Income 211–231% FPL, assets ≤$11,092	$2,220/yr	CT	60%	Screen, apply, coordinate with QMB if borderline
CT Medicare Savings — ALMB	Income 231–246% FPL, assets ≤$11,092	$2,220/yr	CT	68%	Screen, apply — block-grant funded, limited slots

MassHealth Senior Buy-In (QMB)

Avg Value$2,500–$4,500/yr

Underutilized50%

EligibilityIncome ≤190% FPL, assets ≤$2,000

What We DoScreen, apply, gather documents, follow up through approval

MassHealth Buy-In (SLMB/QI)

Avg Value$2,220/yr

Underutilized60%

EligibilityIncome 190–225% FPL, assets ≤$2,000

What We DoScreen, apply, coordinate with Senior Buy-In if borderline

CT Medicare Savings — QMB

Avg Value$2,500–$4,500/yr

Underutilized50%

EligibilityIncome ≤211% FPL, assets ≤$11,092

What We DoScreen, apply through DSS, gather documents

CT Medicare Savings — SLMB

Avg Value$2,220/yr

Underutilized60%

EligibilityIncome 211–231% FPL, assets ≤$11,092

What We DoScreen, apply, coordinate with QMB if borderline

CT Medicare Savings — ALMB

Avg Value$2,220/yr

Underutilized68%

EligibilityIncome 231–246% FPL, assets ≤$11,092

What We DoScreen, apply — block-grant funded, limited slots

Program	Eligibility	Avg Value	State	Underutil.	What We Do
MassHealth Standard	Income ≤100% FPL, assets ≤$2,000, age 65+	$3,000–$10,000/yr	MA	33%	Full application, asset documentation, spousal protections
MassHealth CommonHealth	Working individuals with disabilities, no income limit (sliding premium)	$3,000–$10,000/yr	MA	47%	Determine eligibility, coordinate premium schedule
HUSKY C (CT Medicaid)	Income ≤211% FPL, assets ≤$11,092, age 65+ or disabled	$3,000–$10,000/yr	CT	31%	Full application through DSS, asset documentation
CT MED-Connect	Working individuals with disabilities, income limits vary	$3,000–$10,000/yr	CT	50%	Determine eligibility, coordinate with employer coverage

MassHealth Standard

Avg Value$3,000–$10,000/yr

Underutilized33%

EligibilityIncome ≤100% FPL, assets ≤$2,000, age 65+

What We DoFull application, asset documentation, spousal protections

MassHealth CommonHealth

Avg Value$3,000–$10,000/yr

Underutilized47%

EligibilityWorking individuals with disabilities, no income limit (sliding premium)

What We DoDetermine eligibility, coordinate premium schedule

HUSKY C (CT Medicaid)

Avg Value$3,000–$10,000/yr

Underutilized31%

EligibilityIncome ≤211% FPL, assets ≤$11,092, age 65+ or disabled

What We DoFull application through DSS, asset documentation

CT MED-Connect

Avg Value$3,000–$10,000/yr

Underutilized50%

EligibilityWorking individuals with disabilities, income limits vary

What We DoDetermine eligibility, coordinate with employer coverage

Program	Eligibility	Avg Value	State	Underutil.	What We Do
Frail Elder Waiver (FEW)	MassHealth-eligible, nursing home level of care, choose to remain home	$30,000–$60,000/yr	MA	69%	Clinical screening, MassHealth application, care plan development
PCA Program	MassHealth-enrolled, need hands-on assistance with daily activities	$20,000–$40,000/yr	MA	50%	Apply for PCA evaluation, help hire and manage attendant — including family members
Adult Day Health	MassHealth-enrolled, need structured day program with skilled nursing	$15,000–$25,000/yr	MA	83%	Identify programs, arrange enrollment, coordinate transportation
State Home Care	Age 60+, any income (sliding fee), need help with daily tasks	$5,000–$15,000/yr	MA	80%	Referral through ASAP, assessment coordination
PACE	Age 55+, nursing home eligible, live in PACE service area	$50,000/yr	MA	93%	Assess fit, coordinate enrollment, explain all-inclusive model
CHCPE Waiver (CT)	HUSKY C-eligible, nursing home level of care, choose to remain home	$30,000–$60,000/yr	CT	70%	Clinical screening, DSS application, care plan development
Community First Choice (CT)	HUSKY C-enrolled, need personal care or attendant services	$20,000–$40,000/yr	CT	67%	Apply for assessment, help hire attendant — including family members
CT Adult Day Health	HUSKY C-enrolled, need structured day program	$15,000–$25,000/yr	CT	83%	Identify programs, arrange enrollment, coordinate transportation
CHCPE State-Funded (CT)	Age 65+, any income (sliding fee), need help with daily tasks	$5,000–$15,000/yr	CT	80%	Referral through AAA, assessment coordination

Frail Elder Waiver (FEW)

Avg Value$30,000–$60,000/yr

Underutilized69%

EligibilityMassHealth-eligible, nursing home level of care, choose to remain home

What We DoClinical screening, MassHealth application, care plan development

PCA Program

Avg Value$20,000–$40,000/yr

Underutilized50%

EligibilityMassHealth-enrolled, need hands-on assistance with daily activities

What We DoApply for PCA evaluation, help hire and manage attendant — including family members

Adult Day Health

Avg Value$15,000–$25,000/yr

Underutilized83%

EligibilityMassHealth-enrolled, need structured day program with skilled nursing

What We DoIdentify programs, arrange enrollment, coordinate transportation

State Home Care

Avg Value$5,000–$15,000/yr

Underutilized80%

EligibilityAge 60+, any income (sliding fee), need help with daily tasks

What We DoReferral through ASAP, assessment coordination

PACE

Avg Value$50,000/yr

Underutilized93%

EligibilityAge 55+, nursing home eligible, live in PACE service area

What We DoAssess fit, coordinate enrollment, explain all-inclusive model

CHCPE Waiver (CT)

Avg Value$30,000–$60,000/yr

Underutilized70%

EligibilityHUSKY C-eligible, nursing home level of care, choose to remain home

What We DoClinical screening, DSS application, care plan development

Community First Choice (CT)

Avg Value$20,000–$40,000/yr

Underutilized67%

EligibilityHUSKY C-enrolled, need personal care or attendant services

What We DoApply for assessment, help hire attendant — including family members

CT Adult Day Health

Avg Value$15,000–$25,000/yr

Underutilized83%

EligibilityHUSKY C-enrolled, need structured day program

What We DoIdentify programs, arrange enrollment, coordinate transportation

CHCPE State-Funded (CT)

Avg Value$5,000–$15,000/yr

Underutilized80%

EligibilityAge 65+, any income (sliding fee), need help with daily tasks

What We DoReferral through AAA, assessment coordination

Program	Eligibility	Avg Value	State	Underutil.	What We Do
LIS / Extra Help	Income ≤150% FPL, assets ≤$17,220	$5,700/yr	Federal	36%	Screen, apply through SSA, coordinate with MSP enrollment
Prescription Advantage	MA resident, Medicare-enrolled, income varies by tier	$500–$3,000/yr	MA	96%	Determine tier, submit enrollment, coordinate with Part D
Manufacturer PAPs	Varies by manufacturer — typically income-based, brand-name drugs	$500–$10,000/yr	MA/CT	75%	Identify eligible drugs, complete manufacturer applications, manage renewals

LIS / Extra Help

Federal

Avg Value$5,700/yr

Underutilized36%

EligibilityIncome ≤150% FPL, assets ≤$17,220

What We DoScreen, apply through SSA, coordinate with MSP enrollment

Prescription Advantage

Avg Value$500–$3,000/yr

Underutilized96%

EligibilityMA resident, Medicare-enrolled, income varies by tier

What We DoDetermine tier, submit enrollment, coordinate with Part D

Manufacturer PAPs

MA/CT

Avg Value$500–$10,000/yr

Underutilized75%

EligibilityVaries by manufacturer — typically income-based, brand-name drugs

What We DoIdentify eligible drugs, complete manufacturer applications, manage renewals

Program	Eligibility	Avg Value	State	Underutil.	What We Do
SNAP	Income ≤200% FPL (MA) / ≤185% FPL (CT), asset limits vary	$300–$3,500/yr	MA/CT	66%	Screen, apply, gather documentation, coordinate with other benefits
LIHEAP (MA)	Income ≤60% state median, heating cost burden	$1,000–$2,000/yr	MA	80%	Apply through CAP agency, coordinate with utility company
CEAP (CT)	Income ≤60% state median, heating cost burden	$1,000–$2,000/yr	CT	80%	Apply through CAP agency, coordinate with utility company

SNAP

MA/CT

Avg Value$300–$3,500/yr

Underutilized66%

EligibilityIncome ≤200% FPL (MA) / ≤185% FPL (CT), asset limits vary

What We DoScreen, apply, gather documentation, coordinate with other benefits

LIHEAP (MA)

Avg Value$1,000–$2,000/yr

Underutilized80%

EligibilityIncome ≤60% state median, heating cost burden

What We DoApply through CAP agency, coordinate with utility company

CEAP (CT)

Avg Value$1,000–$2,000/yr

Underutilized80%

EligibilityIncome ≤60% state median, heating cost burden

What We DoApply through CAP agency, coordinate with utility company

Program	Eligibility	Avg Value	State	Underutil.	What We Do
VA Aid & Attendance	Wartime veteran or surviving spouse, need help with daily activities, limited income/assets	$10,000–$33,000/yr	Federal	77%	Full VA application, medical evidence, financial documentation
Chapter 115 (MA)	MA veteran or dependent, needs-based, local veterans agent	$500–$5,000/yr	MA	90%	Connect with local veterans agent, compile application
Soldiers, Sailors & Marines Fund (CT)	CT veteran or dependent, emergency or ongoing needs	$500–$5,000/yr	CT	90%	Connect with town veterans representative, compile application

VA Aid & Attendance

Federal

Avg Value$10,000–$33,000/yr

Underutilized77%

EligibilityWartime veteran or surviving spouse, need help with daily activities, limited income/assets

What We DoFull VA application, medical evidence, financial documentation

Chapter 115 (MA)

Avg Value$500–$5,000/yr

Underutilized90%

EligibilityMA veteran or dependent, needs-based, local veterans agent

What We DoConnect with local veterans agent, compile application

Soldiers, Sailors & Marines Fund (CT)

Avg Value$500–$5,000/yr

Underutilized90%

EligibilityCT veteran or dependent, emergency or ongoing needs

What We DoConnect with town veterans representative, compile application

Program	Eligibility	Avg Value	State	Underutil.	What We Do
Senior Circuit Breaker Tax Credit	MA resident, 65+, property tax or rent exceeds 10% of income	$0–$2,730/yr	MA	70%	Calculate eligibility, prepare tax filing documentation
Local Property Tax Exemption (MA)	MA resident, 65+, varies by municipality	$500–$2,000/yr	MA	90%	Identify town-specific exemptions, apply through assessor's office
Elderly/Disabled Homeowners Credit (CT)	CT resident, 65+ or disabled, property taxes exceed income threshold	$250–$1,250/yr	CT	90%	Calculate eligibility, prepare application
Renters Rebate (CT)	CT resident, 65+ or disabled, rent/utility costs exceed income threshold	$50–$900/yr	CT	70%	Calculate eligibility, apply through town
Local Property Tax Exemption (CT)	CT resident, 65+, varies by municipality	$200–$1,500/yr	CT	90%	Identify town-specific exemptions, apply through assessor's office

Senior Circuit Breaker Tax Credit

Avg Value$0–$2,730/yr

Underutilized70%

EligibilityMA resident, 65+, property tax or rent exceeds 10% of income

What We DoCalculate eligibility, prepare tax filing documentation

Local Property Tax Exemption (MA)

Avg Value$500–$2,000/yr

Underutilized90%

EligibilityMA resident, 65+, varies by municipality

What We DoIdentify town-specific exemptions, apply through assessor's office

Elderly/Disabled Homeowners Credit (CT)

Avg Value$250–$1,250/yr

Underutilized90%

EligibilityCT resident, 65+ or disabled, property taxes exceed income threshold

What We DoCalculate eligibility, prepare application

Renters Rebate (CT)

Avg Value$50–$900/yr

Underutilized70%

EligibilityCT resident, 65+ or disabled, rent/utility costs exceed income threshold

What We DoCalculate eligibility, apply through town

Local Property Tax Exemption (CT)

Avg Value$200–$1,500/yr

Underutilized90%

EligibilityCT resident, 65+, varies by municipality

What We DoIdentify town-specific exemptions, apply through assessor's office

Program	Eligibility	Avg Value	State	Underutil.	What We Do
The Ride (MBTA Paratransit)	ADA-eligible, unable to use fixed-route MBTA	$1,000–$3,000/yr	MA	80%	Apply for ADA eligibility, coordinate ride scheduling
CT ADA Paratransit	ADA-eligible, unable to use fixed-route CTtransit	$1,000–$3,000/yr	CT	80%	Apply for ADA eligibility, coordinate ride scheduling

The Ride (MBTA Paratransit)

Avg Value$1,000–$3,000/yr

Underutilized80%

EligibilityADA-eligible, unable to use fixed-route MBTA

What We DoApply for ADA eligibility, coordinate ride scheduling

CT ADA Paratransit

Avg Value$1,000–$3,000/yr

Underutilized80%

EligibilityADA-eligible, unable to use fixed-route CTtransit

What We DoApply for ADA eligibility, coordinate ride scheduling

Program	Eligibility	Avg Value	State	Underutil.	What We Do
Medicare Annual Wellness Visit	All Medicare Part B enrollees, once per year	$0–$170/yr	Federal	50%	Schedule visit, prepare health history, accompany if needed
Medicare Advantage Plan Optimization	All Medicare enrollees, annual review during AEP (Oct 15–Dec 7)	$1,500–$4,000/yr	Federal	91%	Compare current plan to alternatives, recommend changes, assist with enrollment

Medicare Annual Wellness Visit

Federal

Avg Value$0–$170/yr

Underutilized50%

EligibilityAll Medicare Part B enrollees, once per year

What We DoSchedule visit, prepare health history, accompany if needed

Medicare Advantage Plan Optimization

Federal

Avg Value$1,500–$4,000/yr

Underutilized91%

EligibilityAll Medicare enrollees, annual review during AEP (Oct 15–Dec 7)

What We DoCompare current plan to alternatives, recommend changes, assist with enrollment

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