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Administration on Aging: Elder Rights and Resources
http://www.aoa.gov/eldfam/Elder_Rights/Legal_Assistance
Access eldercare resources, including links to legal assistance and hotlines (202-619-0724).

American Bar Association: Consumers’ Guide to Legal Help
http://www.abanet.org/legalservices/findlegalhelp/probonodirectory.html
Use this searchable online directory to find lawyer referrals, court information, and free legal services in every state.

Federal Trade Commission Bureau of Consumer Protection
http://www.ftc.gov/bcp/about.shtm
Receive consumer information or learn how to file a complaint (1-877-382-4357).

Legal Services Corporation
http://www.lsc.gov
Find out more about this group, which provides civil legal assistance to low-income adults (202-295-1500).

National Academy of Elder Law Attorneys
http://www.naela.com
Learn about this organization, which assists lawyers and bar organizations in their work to provide specialized legal services to older adults and their caregivers.

National Consumer’s League
http://www.nclnet.org
Find information on a number of topics including fraud, health, and workers' rights (202-835-3323).

National Do Not Call Registry
http://www.donotcall.gov
Register online to stop telemarketing calls.

National Guardianship Association
http://www.guardianship.org
Find information and resources on the legal process of guardianship (520-881-6561).

National Fraud Information Center
http://www.fraud.org/info/repoform.htm
Use this service to report Internet or telephone fraud (800-876-7060).

Financial Security & Planning

American Association of Daily Money Managers
http://www.aadmm.com
Locate a local money manager who can complete tasks for you such as paying bills, balancing checkbooks, and preparing and delivering bank deposits (877-326-5991).

Financial Planning Association
http://www.fpanet.org/
Learn more about financial planning, and locate a planner in your area (800-322-4237).

Fitch, Inc.
http://www.fitchibca.com
Get up-to-date information from this rating agency, which judges creditworthiness of different investment options (800-893-4824).

Moody’s
http://www.moodys.com
Access credit ratings, find financial information about capital markets, and locate an investment analyst near you (212-553-0377).

National Association of Personal Financial Advisers
http://www.napfa.org
Find consumer information about financial planning and gain access to local financial advisors (800-366-2732).

Social Security Administration
http://www.ssa.gov
Find answers to your Social Security questions, plan for your retirement, and use the online benefit calculator (1-800-772-1213).

Standard & Poor’s
http://www.standardandpoors.com
Access investment research, risk evaluations, and independent credit ratings (212-438-7280).

Today’s Seniors
http://www.todaysseniors.com/
Find information on life after retirement, including advance directives, 401(k) retirement plans, and advice on how to improve your quality of life.

Internal Revenue Service Medical and Dental Expenses
http://www.irs.gov/pub/irs-pdf/p502.pdf
Access a complete list of what you can and cannot deduct as medical expenses.

Medicare and Medicaid

The Center for Medicare Advocacy
http://www.medicareadvocacy.org/
This center provides education, advocacy, and legal assistance to help older people and people with disabilities obtain Medicare and their necessary health care.

Medicare
http://www.medicare.gov/
Learn more about Medicare coverage. Go to “Search Tools” to compare health plans in your area and to learn about Medicare eligibility (1-800-MEDICARE or 800-633-4227 or TTY 877-486-2048 for the hearing and speech impaired).

Medicare Rights Center
http://www.medicarerights.org
Learn more about Medicare from the largest independent source on the federal program.

Medicare Interactive
http://www.medicareinteractive.org/page2.php?topic=counselor
Learn more about you or your loved one's rights and benefits with Medicare, including what you need to know about Medicare’s drug coverage (Part D), how to appeal if coverage or care is denied, and much more. You must set up an account to access the site’s information.

Medicare Prescription Drug Plan Finder
http://www.medicare.gov/MPDPF/Public/Include/DataSection/Questions
Compare Medicare prescription drug plans and find one to meet your needs.

Medicaid
http://www.cms.hhs.gov/home/medicaid.asp
Learn more about Medicaid. If your income is limited, contact your local office by looking in the government section or blue pages of the telephone book to find out if you qualify for help in paying for healthcare or prescription drugs.

Social Security Administration Prescription Help
http://www.socialsecurity.gov/prescriptionhelp/
Learn more about how to get help paying for your monthly premiums, annual deductibles, and prescription co-payments with Medicare Part D (1-800-772-1213).

State Health Insurance Assistance Program (SHIP)
http://www.shiptalk.org
This group provides counseling and assistance to people with Medicare. Locate your state SHIP and get help with health insurance questions.

Medicare Supplemental (Medigap) and Long-Term Care Insurance

A. M. Best
http://www.ambest.com
Get ratings and analyses on insurance companies and banks.

National Association of Insurance Commissioners
https://external-apps.naic.org/ofrs/consumerLegal.do?appType=CONSUMER
Use the online fraud reporting system to expose suspected insurance scams.

Weiss Research
http://www.weissratings.com
Find ratings for long-term care insurance, Medicare supplemental insurance, and more (800-289-9222).

Additional Public Benefits

Energy Assistance
http://www.acf.hhs.gov/programs/liheap/
The Low-Income Home Energy Assistance Program (LIHEAP) is a federally funded program that helps eligible low income homeowners and renters meet their home heating and/or cooling needs.

Foods Stamps
http://www.fns.usda.gov/fsp/
Learn more about this Food and Nutrition Service program, which offers benefits to those with low incomes so they can buy food and improve their diets.

Related Articles & Books

“Choosing a Medigap Policy, 2004: A Guide to Health Insurance for People with Medicare.” Center for Medicare and Medicaid Services. U.S. Department of Health and Human Services, 2004.

“Medicare and You: 2007.” Center for Medicare and Medicaid Services. U. S. Department of Health and Human Services, 2007. Updated annually.

Burns, Sharon, and Raymond Forgue. How to Care for Your Parents’ Money While Caring for Your Parents: The Complete Guide to Managing Your Older Parents’ Finances and Planning for Their Future. McGraw-Hill, 2003.

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© 2003, 2004, 2007 AARP. Reprinting by permission only.


 
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