Find the benefits you're missing — and get the forms filled in, free.
State Tax Form 96-1Senior exemption
City or townWorcester
Fiscal year2027
Marital statusMarried
Social Security$26,400
Senior 65 or older
Owned the home July 1
Assessed value$450,000
Start the free benefits check
No card · no sign-up · results right away
For Massachusetts residents · free check + forms filled in for you
Answer a few questions. We show what you qualify for — then fill in the state application forms for you, ready to sign and send.
Heating help, tax credits, Medicare savings and 50+ more Massachusetts programs. Your mom or dad may be leaving thousands on the table.
For Massachusetts residents only, for now
The part nobody else does
We fill in the state forms for you
You add your signature and send them.
- Senior property-tax exemption
- Medicare Savings Program application
- Senior tax deferral
- Veterans, blind & surviving-spouse exemptions
Your answers go in. Your programs come out.
Answer about 20 questions. We check every one of 57 Massachusetts programs at once, and show which ones fit — with what each is worth.
Start my free check →100% free. Here's what that means:
- You will never be asked for a card or payment to use the free check.
- No sign-up, no email, no phone call.
- We never receive anything you enter. Your answers stay on your own device.
- The check does the work behind the scenes — it compares your answers against 50+ Massachusetts programs for you.
- Your results show up on the screen the moment you finish — with the state forms already filled in from your answers.
Why we built this
One of our own family members found $2,000 off his tax bill — by accident.
He's a Methuen homeowner. His town runs a senior program that takes up to $2,000 a year off the property tax bill, and nobody had ever told him about it. He found out by luck. We built Benefighter so nobody has to rely on luck.
We checked the 50 biggest towns in Massachusetts: 37 run a program like it — and nobody signs you up automatically.
See what your town offersThe money that goes unclaimed is real
These are established Massachusetts programs. The problem isn't eligibility — it's that nobody hands older residents a clear, personal list of what they qualify for.
$2,820
Senior Circuit Breaker credit
Maximum per year, refundable — and it can be claimed up to 3 years back.
$2,435
Medicare premium the state can pay
Per year (2026). No savings limit, for incomes up to about $35,900 for one person.
1 in 10
People with unclaimed money
The state Treasurer says 1 in 10 residents is owed money — forgotten accounts, uncashed checks, insurance. The state holds billions.
Who's in your corner
A registered nurse as your benefits navigator
Someone who knows the programs older adults rely on — and what it takes to actually get them — so your plan fits real life, not just the paperwork.
What we check
Every Massachusetts program that could put money back in your pocket
Checked against your situation and your town.
- Senior Circuit Breaker tax credit— up to ~$2,820/yrA refundable state credit for eligible homeowners and renters. You can often amend up to 3 prior years and recover what you missed.
- Property-tax exemptions & deferralClauses 41C / 41C½, 17D, veterans, and blind exemptions — plus the 41A tax deferral — decided by your town.
- Fuel Assistance (HEAP) & utility discountsHelp with winter heating costs, plus the discounted utility rate many households qualify for and never sign up for.
- SNAP food benefitsMonthly grocery support — eligibility rules for seniors are more generous than most people assume.
- Medicare Savings Programs + Extra HelpThe state can pay the Medicare Part B premium — with no asset test — and Extra Help lowers prescription-drug costs.
- SSI, reduced-fare transit, Lifeline & moreSupplemental income, discounted senior transit, and reduced-cost phone/internet through the Lifeline program.
- VA Aid & Attendance— referred out, freeWe flag what you may be owed, then connect you to a free, accredited Veterans Service Officer. By law, we never charge to prepare a VA claim.
- Community MassHealth & elder-law referralsWe flag community MassHealth and route nursing-home / asset-protection questions to a licensed Massachusetts elder-law attorney.
Common questions
Questions families ask us
Isn't this stuff free? Can't I just do it myself?
Yes — every one of these is a public program you can apply for yourself at no cost, and the check is free too. It finds everything that fits, fills in the state forms from your answers, and tells you exactly where to send them. Free local help is also available from your town's Council on Aging and SHINE counselors.
What does the registered nurse on the team do?
Our co-founder is a registered nurse who works with us as a benefits navigator. Years of working with older adults and their families help us spot the programs people miss and explain them plainly. To be clear: this is benefits navigation, not health care. Nothing we provide is medical advice, a diagnosis, or treatment, and no clinician-patient relationship is created. For medical questions, always talk to your own doctor or provider.
Do you handle VA benefits and taxes?
The check points you to them, but we don't prepare VA claims or file tax returns. VA claims go through a free, VA-accredited Veterans Service Officer, and the Senior Circuit Breaker is claimed on your state tax return — the check gives you a worksheet with your numbers, and free help is available from AARP Foundation Tax-Aide.
My parent doesn't live with me, or is in another town. Is that a problem?
Not at all — many people use the check for a parent. Enter your parent's details and town, and the results, local offices and pre-filled forms will all be for them.
Are you a law firm or a government agency?
No to both. Benefighter is an independent information and document-research service. We are not a government agency, and being contacted by us is not an official notice about your benefits. We are not a law firm — we provide factual information and clerical help, not legal, tax, financial, or medical advice. For legal questions (especially nursing-home MassHealth or asset protection), we'll refer you to a licensed Massachusetts elder-law attorney.
What happens to my personal information?
The free benefits check runs entirely in your browser — your answers are never sent to us. The forms are filled in on your device too. We don't sell anything and we don't track you for marketing. See our privacy policy.
Find out what your family is owed — and get the forms filled in.
Free, private, about 5–10 minutes.
Start the free check