Resources & Savings

Government
Resource Hub

Every official government resource a retiree actually needs — curated, organized, and linked directly. No searching required.

📋 Categories in This Hub

  1. Social Security
  2. Medicare & Health
  3. IRS & Taxes
  4. Benefits & Financial Aid
  5. Veterans Resources
  6. Housing & HUD
  7. Legal Aid & Elder Rights
  8. Health Agencies
  9. New Jersey Specific
  10. Emergency & Caregiver

All links go directly to official .gov sites. RetireCalm™ never links to third-party aggregators for government information — only the primary source. Bookmark this page and use it as your starting point whenever you need official information.

1. Social Security

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Social Security Administration — ssa.govOfficial SSA home — benefits, applications, and account access
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My Social Security AccountView your earnings record, estimated benefits, and manage your account
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SSA — Retirement Benefits OverviewWhen to claim, how benefits are calculated, spousal and survivor benefits
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SSA Retirement EstimatorOfficial calculator — estimate your Social Security benefit at different ages
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SSA — Cost-of-Living Adjustment (COLA) InformationCurrent and historical COLA rates
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SSA OIG — Report Social Security Fraud or ScamsReport impersonation scams and Social Security fraud
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2. Medicare & Health Insurance

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Medicare.gov — Official Medicare WebsiteEnrollment, coverage, costs, and plan comparison
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Medicare Plan FinderCompare Medicare Advantage, Part D, and Medigap plans in your area
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Medicare Costs — Current Premiums and Deductibles2026 Part A, B, C, D costs and IRMAA thresholds
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SHIP — Free State Health Insurance Assistance ProgramFree, unbiased Medicare counseling in every state — no sales pitch
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Medicaid.gov — Medicaid Program InformationEligibility, coverage, and how to apply for Medicaid
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HHS OIG — Report Medicare FraudReport billing fraud, equipment scams, and Medicare abuse
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3. IRS & Taxes

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IRS — Tax Information for Seniors and RetireesDeductions, credits, RMDs, and retirement income guidance
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IRS Publication 554 — Tax Guide for Seniors (PDF)Complete senior tax reference guide
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IRS — Required Minimum Distributions (RMDs)RMD rules, tables, and calculation guidance
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IRS Direct Pay — Pay Your Taxes Online (Free)Make tax payments directly from your bank account at no cost
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IRS VITA — Free Tax Preparation LocatorFind free in-person tax prep near you
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4. Benefits & Financial Aid

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Benefits.gov — Find Government Benefits You Qualify ForSearch all federal benefit programs by eligibility criteria
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BenefitsCheckUp — NCOA Benefits Screening ToolFind state and local benefits for seniors — often missed programs
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CFPB — Consumer Financial Protection Bureau Retirement ToolsPlanning calculators, SS timing guide, and financial education
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PBGC — Pension Benefit Guaranty CorporationProtects private pension plans; search for unclaimed pension benefits
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Department of Labor — Retirement Preparation ResourcesPension rights, 401(k) guidance, and retirement planning
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5. Veterans Resources

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VA.gov — U.S. Department of Veterans AffairsHealthcare, benefits, disability claims, and all VA services
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VA Health Care — Eligibility and EnrollmentHow to enroll in VA healthcare and what's covered
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VA Disability BenefitsFile a claim, check status, and understand disability ratings
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VA Pension BenefitsVeterans Pension and Survivors Pension programs
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VA Burial and Memorial BenefitsNational cemetery burial eligibility and memorial affairs
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6. Housing & HUD

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HUD — Housing Information for Senior CitizensReverse mortgages, housing assistance, and senior housing options
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HUD — HECM Reverse Mortgage InformationOfficial HUD guide to FHA-insured reverse mortgages
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HUD — Find Rental Assistance ProgramsSection 202, Section 8, and other housing assistance for seniors
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CFPB — Owning a Home ResourcesMortgage help, housing counselor locator, and homeowner tools
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8. Health Agencies

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NIH — National Institutes of HealthHealth information, research, and clinical trial finder
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CDC — Healthy AgingPreventive care, chronic disease management, fall prevention
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NIA — National Institute on AgingAlzheimer's, dementia, healthy aging research and resources
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CMS — Centers for Medicare & Medicaid ServicesPolicy, coverage rules, and regulatory information
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9. New Jersey Specific Resources

New Jersey offers some of the most generous senior benefit programs in the country. These are the programs most relevant to NJ retirees.

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NJ Division of Taxation — Senior Tax BenefitsProperty tax relief, income exclusions, and all NJ senior tax programs
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NJ Property Tax Reimbursement — Senior Freeze ProgramFreeze your property tax at base-year level; income limit ~$150,000
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NJ Division of Pensions & BenefitsTPAF, PERS, SHBP, and all NJ public employee retirement systems
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NJ Senior Gold Prescription Discount ProgramState-run prescription assistance for NJ seniors
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NJ Division of Aging ServicesHome care, transportation, nutrition, and senior services across NJ
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NJ Medicaid / NJ FamilyCareNJ Medicaid eligibility, long-term care coverage, and applications
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10. Emergency & Caregiver Resources

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Eldercare Locator — 1-800-677-1116Connect to local services for older adults and caregivers — free, nationwide
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Family Caregiver Alliance — National Center on CaregivingCaregiver support, resources, and guidance for families
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AARP Caregiving Resource CenterTools, guides, and support for family caregivers
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211.org — Local Social Services FinderDial 211 or visit the site to find local food, housing, and crisis help
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Ready.gov — Emergency Preparedness for SeniorsDisaster preparedness planning for older adults
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Note: All links go to official government or well-established nonprofit sources. Government websites and program details change — always verify current eligibility and benefit amounts directly with the agency. RetireCalm™ is not affiliated with any government agency.

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