• Financial Counseling Services
• SHINE (Health Insurance) Program
• Legal Services
• Senior Citizen Tax Incentive Program
• Senior Pharmacy Program
• Housing

Financial Counseling Services:
A free service for those who have financial problems & questions is available by appointment at the Center. The COA has a counselor on hand who is trained in financial & insurance matters. AARP provides IRS-trained volunteers during the tax season to assist elders in preparing their income tax forms. These free & confidential services are also available to the family member in regards to their elderly parent.

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SHINE (Health Insurance) Program:
Elders can receive adequate information on health care insurance, requirements for benefits, accessing free or reduced health care, appealing denials, etc. by making an appointment with our trained & EOEA certified insurance counselor. The counselor will:

• inform elders about health services;
• make sure clients know what they need for health coverage;
• provide information about Medicaid, Medicare, Medigap, Health Insurances & public benefits; and
• assist in filling out insurance forms.

These free & confidential services are also available to the family member in regards to their elderly parent.

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Legal Services:
In conjunction with Merrimack Valley Elder Services, an attorney-supervised and trained paralegal is available to advise, counsel and assist elderly residents with legal matters. Our Legal Aide can provide assistance on a number of issues including: abuse, consumer protection, code violations and unsafe living conditions, evictions, food stamps, financial exploitation, medical insurance, guardianship/conservatorship, Medicaid, Medicare, nursing home disputes, pensions, Social Security, SSI & Public Benefits (including denials, termination’s, or reductions), tenant/landlord problems, utility problems, unemployment Compensation, and veterans’ issues. The telephone number is 373-6397.

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Senior Citizen Tax Incentive Program:
Have you owned and occupied your Haverhill residence for at least 5 years and are having problems paying your real estate tax bill? The Senior Tax Incentive Program ordinance is designed to allow seniors to work in City Departments. The amount you earn will be applied to your real estate taxes. To apply for this program, stop at the COA office to see if you meet the financial & net worth requirements. Information and forms are available.

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Senior Pharmacy Program:
Applications available at the center's office.

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Housing:
If you have an apartment to rent, please call COA at 978-374-2390.

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