While mobile phones are necessary devices, they can be expensive. One has to not only spend on purchasing the phone but also pay for the service plan. These costs can quickly add up to substantial expenses, especially for those with a limited monthly budget. However, one can save on these expenses by exploring resources to get a mobile phone for free or at discounted rates. Here are some ways to get a free mobile phone. Government assistance programs One of the first resources that one can check out for free mobile phones is government assistance programs. Among these, one of the most popular is the Lifeline program. This initiative offers smartphones free of cost or even at discounted prices for those who are part of these federal programs – Supplemental Nutrition Assistance Program (SNAP – formerly known as Food Stamp Program) Medicaid Supplemental Security Income (SSI) Federal Public Housing Program Veterans Pension and Survivors Pension There are several eligibility criteria one must adhere to in order to get a free mobile phone. For example, one’s earning must be less than 135% of the federal poverty guidelines of each year. This means, the earnings must be less than $16,862 for a household of one person.

The Department of Veterans Affairs (VA) provides various benefits for senior veterans for their bravery and dedicated service to the nation. Referred to as VA benefits, some popular ones include disability compensation, pension, and healthcare. Older veterans struggle to return to their daily lives after leaving the military. These perks assist them in meeting their personal needs. However,  a lot  of these benefits are underutilized mostly because senior veterans are unaware of them. Aid and attendance (A&A) The Aid and Attendance program offers additional monthly payments to eligible veterans and their spouses who need help with  daily tasks such as bathing, dressing, and eating.  This extra income makes daily help more accessible for veterans. To receive this benefit, the veteran must receive a pension, require assistance with daily activities, or be bedridden. One must go through their local VA office and provide all necessary documentation to apply for this benefit.  Home-based primary care (HBPC) Some veterans may find it difficult to visit their doctors. In such cases, the VA also offers home-based primary care services, where the healthcare provider visits the patient at the convenience of their home.  To be eligible for this benefit , senior  veterans must be enrolled in the VA healthcare system and have  a referral from their primary care physician.

Term insurance is just like life insurance. The only major difference is that while life insurance covers the policyholder all their life, term insurance protects for a fixed duration. If the policyholder or the insured passes away within that period, the insurance company pays the beneficiaries the claim amount. Term insurance plans are available nationwide at several insurance companies and financial institutions, so one can easily sign up for them. Why purchase a term insurance plan? Like permanent life insurance, term insurance offers several benefits, making it a good investment option. The biggest reason to buy a plan is that it provides financial stability to the family and dependents after the policyholder’s passing. All one has to do is visit an insurance provider, choose a suitable policy, and pay a regular premium. Then, in case of an untimely death, the company will compensate the beneficiaries. A policyholder can rest assured that their family will continue to have access to finances and maintain their standard of living after their passing. The loved ones can use the money to pay their daily expenses, like groceries and utility bills, and even pay off debt. This peace of mind is why many get a term insurance plan.