SNAP Program Changes
Many older adults are starting to feel the pressure of rising food and living costs. With fixed incomes and limited financial flexibility, every dollar counts. The SNAP Program, which is an acronym for “Supplemental Nutrition Assistance Program - AKA Food Stamps) continues to support many low-income older Americans.. However, recent changes and inflation have challenged the program’s ability to fully meet the needs of its aging participants.
1. UNDERSTANDING THE ROLE OF SNAP BENEFITS FOR SENIOR CITIZENS
This federal program is designed to help low-income individuals and families afford nutritious food. The USDA reports that nearly 5 million older adults (age 60 and over) rely on these supplemental benefits to eat, but many more are eligible and not enrolled — often due to stigma, confusion about the application process, or assumptions that they won’t qualify.
It’s more critical than ever to reduce food insecurity, support this segment of the population with better nutrition but unfortunately, inflation and cost-of-living increases are beginning to erode the value of these benefits.
2. INFLATION & POLICY CHANGES
It almost seems like there is no light at the end of the tunnel concerning the surge of grocery prices. Even with annual cost-of-living adjustments to SNAP benefits, the increases often don’t keep pace with the real cost of food. Additionally, recent changes to pandemic-era expansions of SNAP — such as the expiration of emergency allotments — have resulted in smaller monthly benefit amounts for many older adults.
This reduction hits hard for seniors already stretching every dollar, often leading them to skip meals, choose less nutritious options, or cut other essential expenses like medication or utilities.
HOW TO ALLEVIATE RISING COSTS
1. ENSURE YOU’RE ALREADY ENROLLED IN SNAP (& That You’re Getting the Maximum Benefit!)
Many older adults assume they don’t qualify, but the rules are different for people over 60. For example:
Medical expenses over $35/month can be deducted from income when calculating benefits.
Assets like your home and retirement accounts usually don’t count against you.
Check eligibility and apply at https://www.fns.usda.gov/snap or contact your local agency for help.
2. EXPLORE SENIOR NUTRITION PROGRAMS
Many communities offer additional help through:
Meals on Wheels
Congregate meal sites
Food pantries that cater to seniors
These programs can stretch SNAP dollars further and offer healthy meal options.
3. SHOP STRATEGICALLY
Shop smart!
Use coupons, loyalty programs, and apps like Flipp or Ibotta.
Buy in bulk when possible.
Focus on nutrient-dense, budget-friendly staples like beans, rice, frozen vegetables, and eggs.
4. SPEAK WITH A BENEFITS COUNSELOR OR BUDGET COACH
Many nonprofits and senior centers offer free services to help older adults:
Create a personalized budget. Help from a budget and money coach like Dollars and Sense Coaching may prove to be beneficial to your overall financial picture.
Don’t forget about other programs like LIHEAP (energy assistance), Medicare Savings Programs, or property tax relief.
5. ADVOCATE & STAY INFORMED
Stay connected with local organizations that focus on senior issues. They can provide updates on SNAP policy changes and help you make your voice heard in public discussions.
Final Thoughts
While SNAP is a lifeline for many older Americans, it's clear that more support is needed to keep up with today’s economic demands. Until broader policy solutions are in place, taking advantage of every available resource and benefit — and budgeting wisely — can make a meaningful difference in maintaining dignity, health, and well-being in later years.
If you or someone you know is struggling, help is out there. And as a money and budgeting coach, I’m always here to support you in finding creative, practical solutions for financial peace of mind.