The Workbook Seven Programmes
The programmes you are owed, and the paperwork that gets them.
Seven programmes older Americans are entitled to. Seven forms somebody has to fill in. And not one of them goes back and pays you for the years you didn't know.
The workbook · Seven programmes
$149$67
Plain words. Named offices. The actual forms.
One payment, nothing recurring (you will have it in under a minute)
There is more below
Three ways to do this
The workbook is the same in all three. What changes is how much of the looking-up is already done for you.
The Workbook
one payment
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- All seven programmes
- Phone scripts and document lists
- Appeal letter template
- Printable binder pages
- Free updates for life
Workbook + Your State
one payment
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- Everything in the workbook
- Your state's own offices and phone numbers, filled in
- This year's figures already written into the lookup boxes
- Your state's deadlines, dated
The Complete Kit
per year
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- Everything above
- A monthly email of what is due next, for your state
- The annual figures update when they change
- Refreshed binder pages each year
Everything is delivered automatically: files you download and emails that arrive on a schedule. There are no appointments, no phone calls from us, and nothing that requires you to be available at a particular time.
The part nobody explains
Almost everyone assumes these things are means-tested, automatic, or already handled by somebody. They are none of the three. Every programme here has an office that decides it, a form that starts it, and a date after which it is gone for the year.
The barrier was never eligibility. It was knowing who to ring.
Who actually decides each one
This is the table most people get wrong, and getting it wrong is why they give up.
| What | Who decides it |
|---|---|
| Property tax exemption or freeze | Your county assessor |
| Medicare Savings Programs | Your state Medicaid office |
| Extra Help with prescriptions | Social Security, not Medicare |
| Lifeline phone and internet | Federal, via your provider |
| Energy assistance (LIHEAP) | Your state, and it runs out |
| Weatherization | Your state, older households first |
| Free tax preparation | IRS-certified volunteers |
Not one of these is your mortgage company, your insurer, or the federal government in general, which is where most people start, and stop.
What's inside
Seven chapters, each with the same eight sections, so once you have done one you know how to do all of them.
What it isIn plain words
Who decides itThe office, by name
What it won't doSo you aren't disappointed
Your lookup boxYour own state's figures
The phone scriptWritten to be read aloud
What to bringA tick-list
After you applyWhat "pending" means
If they say noAppeal letter template
And the parts that apply to everything
- How to make the call, and why you take a name and a reference number every single time
- Why most refusals are paperwork, not eligibility, and how to get one reopened
- How to tell a real agency from somebody selling you something
- A master tracking sheet, a call log, a document inventory, and an annual calendar for the renewals people lose without ever being told
Why there are no dollar figures in it
Deliberate. Income limits are set annually, several are set by your state rather than Washington, and a number printed in a book is wrong within months. A wrong number is worse than none. It makes people rule themselves out.
So you get the part that doesn't change: who decides it, what they ask for, what to say, and what to do when the answer is no. Every chapter tells you exactly where this year's number lives and gives you a box to write it in.
You do not have to pay anyone to claim what you're owed
Your State Health Insurance Assistance Program has trained counsellors in all fifty states who will sit down and do this with you at no charge. So does your county's Area Agency on Aging. That is on page one of the workbook and again at the end.
About four million people a year use SHIP, out of roughly sixty-eight million on Medicare. What this workbook saves you is the finding out. Not the help itself, which is free.
Who is telling you this
I'm Walt Hendrick. I am not a financial advisor, a tax advisor, or an insurance agent, and I am not going to pretend to be one. The moment somebody claims a credential at you about your money, be careful.
What I do is take one thing older Americans are entitled to, find out which office actually decides it, and write down what they ask for and what to say. That is the whole job. The deciding is always done by an agency, never by me.
The workbook · Seven programmes
$149$67
One payment, nothing recurring (you will have it in under a minute)
Questions
Is this a physical book?
No. A PDF you download straight away. It is laid out for a three-ring binder because you are meant to write in it while you are on the phone.
Will it tell me if I qualify?
No, and be wary of anything claiming it can. It tells you who decides, what they ask for, and the words to use. The deciding is always done by an agency.
I'm not low income. Is this for me?
Several of the seven have nothing to do with income at all: the property tax exemption, free tax preparation, and most of chapter seven. Each chapter says plainly whether income matters.
Does it work in my state?
The procedure is national; the figures are not. That is why every chapter has a lookup box telling you where your state's current number lives.
What if it isn't useful?
Email within 7 days and you get a refund the same day. No questions.
Educational material only. Not financial, tax or legal advice, and not a
determination that you qualify for any programme. Rules, thresholds and
availability change annually and vary by state. Confirm with the administering
agency before relying on anything here.