Every year, billions of dollars in government benefits go unclaimed—not because people don’t need help, but because they don’t know these programs exist or assume they don’t qualify. From housing support to education grants and utility discounts, there are dozens of lesser-known federal and state programs designed to ease financial burdens for everyday Americans.

In this guide, we’ll explore some of the most overlooked benefit programs in 2025—what they offer, who qualifies, and how to apply.

1. Section 202 Supportive Housing for the Elderly

Many seniors struggle with rising housing costs, but few know about the Section 202 program. This federal initiative provides affordable housing with supportive services for very low-income individuals aged 62 and older. Residents benefit from rent subsidies and access to services like transportation and meal programs, helping them live independently for longer. Learn more about Section 202.

2. Lifeline Program for Phone and Internet

Staying connected is essential, yet many low-income households struggle to afford phone or internet services. The Lifeline program offers a monthly discount of up to $9.25 on these services, with higher discounts available for residents of tribal lands. Eligibility is typically based on income or participation in programs like SNAP or Medicaid. Find out if you qualify for Lifeline.

3. Child-in-Care Social Security Benefits

Did you know that if you're caring for a child under 16 or a disabled child of any age, you might be eligible for additional Social Security benefits? These "Child-in-Care" benefits are available to caregivers of children whose parents are deceased, disabled, or retired, providing crucial financial support during challenging times. Explore Child-in-Care benefits.

4. State Property Tax Relief for Seniors

Property taxes can be a significant burden for seniors on fixed incomes. Many states offer property tax relief programs, including exemptions, deferrals, or credits, to eligible senior homeowners. For instance, Virginia provides tax relief for seniors based on income and net worth criteria. Check your state's property tax relief options.

5. Pell Grants for Short-Term Job Training

While Pell Grants are commonly associated with traditional college degrees, recent expansions now allow eligible individuals to use these funds for short-term job training programs. This includes vocational courses and certifications that can lead to in-demand jobs. Learn about Pell Grant eligibility.

6. WIC Farmers’ Market Nutrition Program

Participants in the Women, Infants, and Children (WIC) program may also qualify for the Farmers’ Market Nutrition Program, which provides coupons to purchase fresh fruits and vegetables at local farmers' markets. This initiative supports both nutritional health and local agriculture. Find out more about WIC FMNP.

7. Social Security Fairness Act Updates

As of January 2025, the Social Security Fairness Act has eliminated the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO), which previously reduced benefits for certain public sector workers. This change potentially increases Social Security benefits for millions, including teachers and firefighters. Understand the impact of the Social Security Fairness Act.

8. State Health Insurance Assistance Programs (SHIP)

SHIPs offer free, unbiased counseling to Medicare beneficiaries, helping them navigate plan options, understand benefits, and resolve billing issues. These programs are invaluable for seniors and individuals with disabilities seeking to make informed healthcare decisions. Locate your local SHIP.

9. Guaranteed Basic Income (GBI) Pilots

Several states and municipalities have initiated Guaranteed Basic Income programs, providing unconditional monthly payments to selected low-income residents. These pilots aim to assess the impact of direct cash assistance on poverty alleviation. Discover GBI programs in your area.

10. Head Start and Early Head Start Programs

Head Start programs offer comprehensive early childhood education, health, nutrition, and parent involvement services to low-income children and families. Early Head Start serves infants and toddlers under the age of three. These programs are crucial for school readiness and family support. Explore Head Start opportunities.

Final Thoughts

Many Americans miss out on valuable assistance simply because they’re unaware of what's available. If any of these programs resonate with your situation, take the next step to learn more and apply. Resources like USA.gov's Benefits Finder can help you identify additional programs you may qualify for. Remember, these benefits exist to support you—don't hesitate to take advantage of them.