The ones people ask first.

No. AIOSeniors is an independent company, built by Digilu. We are not a government agency, not an insurer, and not affiliated with Medicare, Medicaid, the Social Security Administration, the Department of Veterans Affairs or any state or county agency.

We also do not decide whether you qualify for anything. The agency that runs each program makes that determination, every time. What we do is find the programs, show you the rule, and tell you plainly when the rule says no.

A fair question, because this category attracts them. The usual tells are asking for a Social Security number or a Medicare number up front, charging a fee to apply for a free government benefit, creating urgency about a deadline that does not exist, and designing the site to look like a federal agency.

We do not ask for those numbers, there is no fee, there is no deadline, and we deliberately look nothing like a government service. If any site ever asks you to pay to apply for a public benefit, that is the moment to stop.

Yes, free. No card, no account, no trial that turns into a charge.

The honest answer about money: we earn from two paid products, Family Observatory and Silvera Mobility, and we only mention them when they actually fit what you told us. Most of what we surface pays us nothing at all. The longer version is here, including what we will not do to earn it.

While you are answering, nothing leaves your browser: the questions run on your device and your answers are stored locally so you can stop and come back.

At the end you can ask us to email your plan. If you do, we receive your first name, your email, the ZIP code and your answers, and we use them for exactly two things: sending your plan, and a small number of follow-ups about the programs in it. One click unsubscribes from all of it. We never sell your information.

We never ask for a Social Security number, a Medicare number, an insurance member ID or bank details, and we never put your answers into a web address, because addresses get logged, shared and pasted. The privacy page describes what the site actually does.

In California, often yes. In-Home Supportive Services pays a provider to help somebody stay in their own home instead of moving into care, and the state says directly that care providers may include family members. The person receiving the care hires their own provider.

The conditions sit with them rather than with you: they need to be eligible for Medi-Cal and be assessed by the county as needing the services. Being related to them is not by itself enough.

Only in that the check asks about where they live, not where you live. Enter their ZIP code. A lot of this gets managed from several states away and the answers do not change because of it.

The one place it does matter is Paid Family Leave, which is about your employment rather than their location.

California is researched properly. Federal programs, which include Medicare Savings Programs and VA Aid and Attendance, apply everywhere.

For other states the check will say plainly that we have not verified your area yet. That is a statement about our coverage, not about whether help exists where you live. More on coverage.

Yes, and it is one of the more useful things we do. A family that spends forty hours applying for a program they were never eligible for has been failed by a tool that only ever returned longer lists.

We rule something out only on a clear rule that you have told us about yourself, and we always show you the rule and where it came from, so you can challenge it if we have it wrong. If we simply do not know, we say so. Unknown is never turned into a no.

No. Nothing here is medical, legal, financial or insurance advice. We do not diagnose, do not recommend treatment, and have no clinical opinion about anybody. This is practical navigation: which programs exist, who they are for, and how to contact them.

Every program on the site shows the date we last read its official source, and right now that is 28 July 2026. Program rules and figures change, so anything important is worth confirming with the agency before you rely on it. That is also why the date is shown rather than hidden.

Please do tell us, especially if a figure or a rule has changed. Email [email protected]. A correction from somebody who just got off the phone with the county is worth more than another round of research.