In today’s rapidly advancing digital world, staying connected is more important than ever, especially for the senior population. A cell phone isn’t just a device; it’s a lifeline to the world. It enables seniors to maintain a connection with family and friends. Cell phones also serve as a tool for health and safety, allowing seniors to quickly contact emergency services if needed and conveniently manage medical appointments and reminders.
Unfortunately, smart phones can be expensive especially for many seniors find themselves on a fixed income or dealing with financial constraints. According to JD Power, the average monthly cell phone bill per person is around $144 and that doesn’t include the cost of the phone itself.
The good news is that there are federal programs that could ease the cost of owning a smartphone. Whether you’re a senior yourself, a caregiver, or just someone looking to help a loved one, this guide will walk you through the available options.
There are two main programs for a free or reduced cost cell phone plan.
Lifeline Program
Lifeline is a federal program that provides eligible low-income individuals with a free smartphone and free wireless phone service (free data, free monthly minutes and unlimited texting).
Affordable Connectivity Program (ACP)
The Affordable Connectivity Program is a federal program that provides eligible households with a discount on their cell phone bill.The benefit provides a discount of up to $30 per month for eligible households.
Seniors can apply for both Lifeline and ACP benefits. With both benefits, you can have unlimited date, unlimited minutes and unlimited text. If you only have Lifeline there is a limit on the amount of minutes and data. If you only have ACP you get $30 off your bill. It’s suggested to apply for both to get the most out of your benefits.
Do I Qualify for a Free Cell Phone?
To qualify you will have to prove that a member of the household participates in any of the following programs
- Supplemental Nutrition Assistance Program (Also known as SNAP, Food Stamps, WIC, or D-SNAP)
- Medicaid (Not to be confused with Medicare)
- Supplemental Security Income – SSI (Not to be confused with Social Security)
- Federal Housing Assistance, including:
- Housing Choice Voucher Program (HCV or Section 8 Vouchers)
- Project-Based Rental Assistance (PBRA or Section 202 or Section 811)
- Public Housing
- Affordable Housing Programs for American Indians, Alaska Natives or Native Hawaiians
- Veterans Pension and Survivors Benefit
- Certain Tribal Programs
- Have an income that is at or below 135% (Lifeline) or 200% (ACP) of the Federal Poverty Guidelines.
The Lifeline Program has more stringent eligibility requirements than the Affordable Connectivity Program. So, if you qualify for the Lifeline you will also qualify for the ACP. If you are denied for Lifeline, you should still try to apply for ACP.
If you do not have any of the programs above, you should still apply in case you may meet the income requirements.
How to Apply for a Free Cell Phone?
To apply, go to website below and enter your zip code. There will be a list of service providers. Choose one and go to the website. The provider will ask you for some personal and financial information to confirm eligibility. After, they will go through the process of applying on your behalf.
You can also apply directly through the governments website. Make sure to apply for Lifeline first and then ACP. If you qualify, you will receive an “Application ID” which you will provide to one of the providers above to start your service.
Lifeline Application
Affordable Connective Program Application