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You're 65,
Now What?

Step-by-Step Guide to Some Basics

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  • Federal Level

    • U.S. Department of Health and Human Services (HHS)​

      • Implements the Older Americans Act (OAA), which provides federal funding for senior services.

      • Administration for Community Living (ACL)

        • The ACL is under HSS.

        • Most of the senior-related Departments and Agencies on the federal level fall under this umbrella.

        • They're integral to delivering the strategic framework for HSS's National Plan on Aging.

      • That's all you need to worry about regarding HSS.​

    • Social Security Administration (SSA)

    • Centers for Medicare & Medicaid Services (CMS)

      • Runs Medicare - federal health insurance, and therefore the same in every state.

    State Level

    • Connecticut Department of Social Services (DSS)

      • Administers essential programs that provide financial assistance, medical coverage, and other support services for seniors.

    • Connecticut Department of Aging and Disability Services (ADS)

      • Oversees programs and services for older adults and people with disabilities.

    • Centers for Medicare & Medicaid Services (CMS)

      • Runs Medicaid - a joint state and federal program that helps cover medical costs for some people with limited income and resources.

    State Regional Level

    • Area Agencies on Aging (AAAs)

      • Connecticut is divided into five regions, each served by an AAA:

        • Western Connecticut, Southwestern Connecticut, South Central Connecticut, North Central Connecticut, and Eastern Connecticut.

      • Eastern Connecticut AAA:

        • Senior Resources Eastern Connecticut Area Agency on Aging

      • AAAs receive funding and guidelines from the state to administer local programs and services for seniors.

    Local Level

    • Local Senior Centers and Community Organizations

      • ​Provide direct services, activities, and programs tailored to the needs of local seniors.

        • Thrive55+

        • Pawcatuck Neighborhood Center

        • Local Nonprofits

        • Religious Organizations

    We go into more detail below, but let's start with the big picture

  • Social Security Administration (SSA)

    • Apply for Social Security Benefits

      • You can start as early as 62, but benefits increase the longer you wait, up to age 70.

      • Apply online by visiting the Social Security Administration (SSA) website.

    • Supplemental Security Income (SSI)​

      • SSI provides monthly payments to people with disabilities and older adults who have little or no income or resources.​

    Medicare

    • You're eligible for Medicare at age 65.

      • Enroll during the 7-month window (3 months before and 3 months after your 65th birthday).​

    • Parts of Medicare:

      • Part A: Hospital Insurance

      • Part B: Medical Insurance

      • Part C: Medicare Advantage Plans

      • Part D: Prescription Drug Coverage

    • Consider Supplemental Insurance: Look into Medigap or Medicare Advantage Plans for additional coverage.

  • CT Department of Social Services (DSS):

    DSS administers essential programs that provide financial assistance, medical coverage, and other support services for seniors.

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    Programs Under DSS:

    • Medicaid (Husky Health): Medical coverage including long-term care services.

    • Connecticut Home Care Program for Elders (CHCPE): In-home care support.

    • Supplemental Nutrition Assistance Program (SNAP): Food assistance.

    • Energy Assistance Programs: Heating cost help.

    • State Supplement Program (SSP): Cash assistance.

    • Long-Term Care Ombudsman Program: Advocacy for long-term care residents.

    For a comprehensive list of DSS programs, visit the DSS Programs and Services Page.

    CT Department of Aging & Disability Services (ADS):

    ADS provides advocacy, information, and support services to promote the independence and well-being of older adults and individuals with disabilities.

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    Programs Under ADS:

    • CHOICES Program: Health insurance counseling for Medicare.

    • Elder Rights Protection: Advocacy for older adults' rights.

    • Employment Services: Support for seniors seeking employment.

    • Independent Living Services: Programs to help seniors live independently.

    For more information on ADS programs, visit the ADS Website.
    For a more complete list, visit our Agencies & Hotlines Page

    Medicaid

    Medicaid provides health coverage to eligible low-income individuals, including seniors. It is federally funded but state-administered.

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    • To be eligible, you must meet income and asset limits.

    • Includes doctor visits, hospital care, long-term care, and prescription drugs.

    • Medicaid has different names in different states.

      • HUSKY Health: Programs to help seniors live independently.

      • Apply Online: ConneCT

    For more information on Husky Health, visit the ConneCT Website.
  • Programs & Services

    • Information and Assistance: Access local services and support through their helpline and resource directory.

    • CHOICES Program: Get help with Medicare options, supplemental insurance, and prescription drug coverage.

    • Caregiver Support: Benefit from respite care, support groups, and educational workshops.

    • Nutrition Programs: Enjoy home-delivered meals or meals at community sites.

    • Transportation Services: Receive transportation assistance for medical appointments and other essential trips.

    • Health and Wellness Programs: Participate in fitness classes and disease prevention workshops.

    • Elder Abuse Prevention: Learn about preventing elder abuse and access support services.

    • Legal Assistance: Get help with estate planning, housing issues, and benefits counseling.

    Senior Resources Eastern Connecticut Area Agency on Aging

    One of the five Area Agencies on Aging in Connecticut, covering the eastern region. They provide a comprehensive range of services, including case management, caregiver support, nutrition programs, transportation, and health promotion activities, to support the well-being and independence of older adults.

    Don't Get Confused:
    Our region's AAA, Senior Resources Eastern Connecticut Area Agency on Aging, has been branded online as:

    Senior Resources Eastern Connecticut Area Agency on Aging
    SeniorResourcesEC.com

  • Thrive55+ at Groton Senior Center

    The Groton Senior Center, located near Mystic, offers a variety of programs and services for seniors in the community. It provides a hub for activities, socialization, and support services.

    Key Services and Programs:

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    • Recreational Activities: Exercise classes, arts and crafts, games, and social events.

    • Health and Wellness: Fitness programs, health screenings, and wellness workshops.

    • Nutrition Programs: Congregate meals and Meals on Wheels for homebound seniors.

    • Transportation Services: Assistance with transportation to and from the center, medical appointments, and shopping.

    • Educational Programs: Classes and lectures on various topics, including technology, finance, and health.

    • Support Groups: Groups for caregivers and those dealing with grief.

    Address: 102 Newtown Road, Groton, CT 06340
    Phone: (860) 441-6785

    Mystic & Noank Library

    The Mystic & Noank Library offers a variety of programs and resources for seniors, including educational workshops, social events, and access to technology.

    Key Services and Programs:

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    • Educational Workshops: Classes on topics like genealogy, technology use, and local history.

    • Social Events: Book clubs, movie nights, and cultural events.

    • Technology Assistance: Help with using computers, tablets, and other devices.

    • Health and Wellness: Programs focused on mental and physical health, including meditation sessions and fitness classes.

    Address: 40 Library Street, Mystic, CT 06355
    Phone: (860) 536-7721

    Pawcatuck Neighborhood Center

    The Pawcatuck Neighborhood Center serves the Mystic area, providing essential services and support for seniors, including a food pantry, social services, and recreational activities.

    Key Services and Programs:

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    • Food Pantry: Access to nutritious food for those in need.

    • Social Services: Assistance with housing, energy assistance, and other social services.

    • Recreational Activities: Exercise classes, social events, and educational programs.

    • Transportation Services: Help with transportation to essential appointments and activities.

    Address: 27 Chase Street, Pawcatuck, CT 06379
    Phone: (860) 599-3285

    Local Churches and Religious Organizations

    Many local churches and religious organizations offer programs and support for seniors, including social events, volunteer opportunities, and spiritual support.

    Mystic Congregational Church: Offers social gatherings, volunteer opportunities, and community support programs.

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    St. Patrick Church: Provides community outreach programs, social events, and spiritual support.

    Discover a range of local resources in the Mystic area that provide support and activities for seniors. From vibrant community centers and libraries to dedicated neighborhood services and supportive religious organizations, there are numerous opportunities to stay active, engaged, and well-supported.

  • Key Features:

    • Comprehensive Database: Access information on thousands of services and programs across Connecticut.

    • Personalized Assistance: Speak with trained specialists who can assess your needs and guide you to the appropriate resources.

    • Multi-Lingual Support: Services available in multiple languages to cater to diverse communities.

    2-1-1 Connecticut is a free and confidential service available 24/7  that provides information and referrals for a wide range of health and human services. Whether you need help with healthcare, housing, food, or other support, 2-1-1 Connecticut can connect you to the resources you need.

    Call: 2-1-1

Yeah, we get it. It's confusing. Navigating life after 65 can feel overwhelming with all the federal, state, and local agencies involved. But don’t worry, we’re here to help you make sense of it all. Set yourself up for success as you enter this new chapter of life.

Navigating life after 65 doesn’t have to be as overwhelming. 

With the right resources and a clear understanding of the federal, state, regional, and local supports available, you can set yourself up for a fulfilling and well-supported journey into this new chapter of life.

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If you have any questions or need further assistance, don’t hesitate to reach out to the resources listed above or visit our Senior Strong Communities website for more information.

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