{"id":355754,"date":"2016-04-04T10:45:23","date_gmt":"2016-04-04T15:45:23","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/elder\/elder-care-law\/elderly-rental-assistance-programs.html"},"modified":"2023-07-26T07:48:27","modified_gmt":"2023-07-26T12:48:27","slug":"elderly-rental-assistance-programs","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/elder\/elder-care-law\/elderly-rental-assistance-programs.html","title":{"rendered":"Older Adult Rental Assistance Programs"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-9d6595d7 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n    \n    <div class=\"fl-page-articles fl-section-main fl-section-main-full-width\">\n        <h1 class=\"fl-no-margin-top\">Older Adult Rental Assistance Programs<\/h1>\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    By <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/olivia-wathne-jd\/\">Olivia Wathne, J.D.<\/a> | Legally reviewed by <a\n                href=\"https:\/\/www.findlaw.com\/company\/our-team\/melissa-bender-esq\/\">Melissa Bender, Esq.<\/a>\n                | Last updated\n        <time>\n                            July 26, 2023\n                    <\/time>\n    <\/div>\n\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n    <div class=\"fl-callout-text article-blockquote\">\n        <p>Getting adequate and affordable housing is a major concern for older adults. Older adults often have limited incomes, less mobility, and increased expenses related to their health care. They are also more susceptible to abuse and financial exploitation.<\/p>\n\n    <\/div>\n\n<figure class=\"wp-block-image fl-no-margin\"><img decoding=\"async\" src=\"https://www.findlaw.com/static/c/images\/image\/upload\/ability-law\/wp-prod\/voting-older-adult-images-GettyImages-1032848170.jpg\" alt=\"\" \/><\/figure><p>Adequate housing for older adults should, at least, meet the following criteria:<\/p>\r\n<ul>\r\n<li>Located in a safe area<\/li>\r\n<li>Near transportation, grocery stores, and&nbsp;<a href=\"https:\/\/www.findlaw.com\/elder\/elder-care-law\/assisted-living-residences.html\">health care facilities<\/a>&nbsp;or medical providers<\/li>\r\n<li>Adequate heating, air conditioning, and ventilation<\/li>\r\n<li>Meet housing, health, and safety code requirements<\/li>\r\n<li>Accommodations for mobility issues or other disabilities (ramps, handrails, etc.)<\/li>\r\n<li>Cost no more than 30% of an older adult&#8217;s income<\/li>\r\n<\/ul>\r\n<p>Older adults often face challenges in locating adequate housing they can afford. For those 65 years of age or older, finding low-income housing is an added challenge on top of health care and mobility issues.<\/p>\r\n<p>To avoid eviction or foreclosure, older adults are often forced to make significant tradeoffs. This means cutting back on food, transportation, and medical expenses.<\/p>\r\n<p>Fortunately, several resources are available to help older adults find affordable housing. One resource is older adult rental help programs.<\/p>\r\n<h2>What Types of Elderly Rental Assistance Programs Are Available?<\/h2>\r\n<p>Not all older adults can afford long-term care or caregivers. Senior centers and nursing homes are extremely expensive. For this reason, federal and state governments give rental assistance to low-income older adults. This is primarily through affordable housing or various housing voucher programs.<\/p>\r\n<p>This help is generally provided by the federal&nbsp;<a href=\"http:\/\/portal.hud.gov\/hudportal\/HUD\" target=\"_blank\" rel=\"noopener\">Department of Housing and Urban Development<\/a>&nbsp;(HUD). It is then administered by local&nbsp;<a href=\"https:\/\/www.hud.gov\/program_offices\/public_indian_housing\/pha\/contacts\" target=\"_blank\" rel=\"noopener\">Public Housing Authorities<\/a>&nbsp;(PHAs).<\/p>\r\n<h2>Affordable Housing Basics<\/h2>\r\n<p>Affordable housing is available to low-income families. This includes those who qualify as elderly or disabled.<\/p>\r\n<p>Typically, tenants will not pay more than 30% of their monthly income for an affordable housing unit. Local PHAs that receive federal government funding own and operate such housing.<\/p>\r\n<p>To be&nbsp;<a href=\"https:\/\/www.hud.gov\/topics\/rental_assistance\/phprog\" target=\"_blank\" rel=\"noopener\">eligible<\/a>&nbsp;for affordable housing, you must:<\/p>\r\n<ul>\r\n<li>Be 62 or older<\/li>\r\n<li>Have an annual income that&#8217;s no more than the &quot;lower income&quot; limit for the geographical area<\/li>\r\n<\/ul>\r\n<p>Lower income limits are&nbsp;<a href=\"https:\/\/www.huduser.gov\/portal\/datasets\/il.html\" target=\"_blank\" rel=\"noopener\">published annually by HUD<\/a>. There are also&nbsp;<a href=\"https:\/\/www.hud.gov\/program_offices\/fair_housing_equal_opp\/fair_housing_act_housing_older_persons\" target=\"_blank\" rel=\"noopener\">exceptions for those 55 or older<\/a>.<\/p>\r\n<h2>Housing Voucher Program Basics<\/h2>\r\n<p>Housing voucher programs involve rental assistance for private market rental units. One example is the&nbsp;<a href=\"https:\/\/www.hud.gov\/hcv\" target=\"_blank\" rel=\"noopener\">Housing Choice Voucher Program<\/a>&nbsp;(formerly called &quot;Section 8&quot; ) run by HUD.<\/p>\r\n<p>The PHAs pay the voucher directly to property owners. The resident pays the difference owed on the rent.<\/p>\r\n<p>These programs involve a greater variety of housing options. Older adults can choose their preferred housing location from the private market. But, the property owner must agree to the voucher program&#8217;s terms.<\/p>\r\n<p>To be&nbsp;<a href=\"https:\/\/www.hud.gov\/program_offices\/public_indian_housing\/programs\/hcv\/guidebook\" target=\"_blank\" rel=\"noopener\">eligible<\/a>&nbsp;for the Housing Choice Voucher Program, an adult must be 62 or older. They must also meet the &quot;Very Low-Income Limit&quot; for the geographical area. These limits are published annually by HUD.<\/p>\r\n<h2>Income Eligibility<\/h2>\r\n<p>HUD determines income eligibility for either affordable housing or housing voucher programs. HUD will look to the following sources:<\/p>\r\n<ul>\r\n<li>Wages, salaries, overtime, commission, fees, tips, and bonuses (before any payroll deductions)<\/li>\r\n<li>The net income from a business<\/li>\r\n<li>Interest, dividends, and any other net income from real or personal properties<\/li>\r\n<li>Payments from Social Security, Medicaid and Medicare, retirement funds, disability, or death benefits<\/li>\r\n<li>Payments in lieu of earnings (unemployment, worker&#8217;s compensation, severance pay, etc.)<\/li>\r\n<li>Welfare<\/li>\r\n<li>Access to public benefits such as veterans&#8217; benefits, unemployment compensation, and Supplemental Security Income (SSI)<\/li>\r\n<li>Alimony or child support<\/li>\r\n<li>Regular contributions or gifts from persons not residing with the applicant<\/li>\r\n<\/ul>\r\n<h2>How Do I Apply for a Rental Assistance Program?<\/h2>\r\n<p>If you or an older adult needs rental help, contact your local PHA to determine eligibility and submit an application.<\/p>\r\n<p>You can locate a PHA near you by searching for&nbsp;<a href=\"https:\/\/www.hud.gov\/states\" target=\"_blank\" rel=\"noopener\">resources by state<\/a>&nbsp;on HUD&#8217;s website.<\/p>\r\n<p>You can also contact an attorney focused on government benefits. They can teach you more about federal and state rental assistance programs available to you. To find an attorney near you, see&nbsp;<a href=\"https:\/\/lawyers.findlaw.com\/elder-law\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">FindLaw&#8217;s attorney directory<\/a>.<\/p>\r\n<h2>Resources for Older Adults<\/h2>\r\n<p>Contact your state&#8217;s human service or social service agency for additional information on rental assistance programs available to older adults at the state level.<\/p>\r\n<p>For general information on fair housing and tenant rights, see FindLaw&#8217;s&nbsp;<a href=\"https:\/\/www.findlaw.com\/realestate\/landlord-tenant-law\/tenant-rights.html\">Tenant Rights<\/a>. For general information on housing discrimination, including age discrimination, see FindLaw&#8217;s&nbsp;<a href=\"https:\/\/www.findlaw.com\/civilrights\/discrimination\/housing-discrimination-faqs.html\">Housing Discrimination: FAQs<\/a>.<\/p>\r\n<h2>Legal Help<\/h2>\r\n<p>Most states offer free legal services or legal aid to help older adults navigate a state&#8217;s rental assistance program. It is helpful to have legal help when going through the eviction process. Contact a&nbsp;<a href=\"https:\/\/lawyers.findlaw.com\/landlord-tenant\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">tenant rights attorney<\/a>&nbsp;near you for legal advice and legal representation.<\/p>\r\n<p>Contact your state&#8217;s legal assistance program if you cannot afford to hire an attorney. The&nbsp;<a href=\"https:\/\/acl.gov\/programs\/aging-and-disability-networks\/area-agencies-aging\" target=\"_blank\" rel=\"noopener\">Area Agencies on Aging<\/a>&nbsp;(AAA)&nbsp;<a href=\"https:\/\/eldercare.acl.gov\/Public\/Index.aspx\" target=\"_blank\" rel=\"noopener\">Eldercare locater<\/a>&nbsp;is also a great legal resource for older adults facing legal issues.<\/p>\r\n<p>Lastly, if you or someone you know suffers from elder abuse,&nbsp;<a href=\"https:\/\/www.napsa-now.org\/help-in-your-area\/\" target=\"_blank\" rel=\"noopener\">contact Adult Protective Services<\/a>&nbsp;or your&nbsp;<a href=\"https:\/\/theconsumervoice.org\/get_help\" target=\"_blank\" rel=\"noopener\">local long-term care ombudsman program<\/a>&nbsp;immediately. Many states also have a&nbsp;<a href=\"https:\/\/elderprotectioncenter.com\/state-elder-abuse-hotlines\/\" target=\"_blank\" rel=\"noopener\">toll-free elder abuse hotline<\/a>. Once you have reported the abuse, consult with an&nbsp;<a href=\"https:\/\/lawyers.findlaw.com\/elder-law\/?fli-dcta\" target=\"_blank\" rel=\"noopener\">elder law attorney near you<\/a>.<\/p>\r\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">Yes<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n        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                 for=\"was-this-helpful__radio-button--missing-info\"\n                        >Missing the information I need<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--complicated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Too complicated\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--complicated\"\n                        >Too complicated \/ too many steps<\/label>\n                    <\/div>\n                    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