Vermont Gov. Benefits Guide
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$140B
Government benefits go unclaimed every year in the U.S.
White House OMB, 2023
9M
Older adults are eligible for benefits but not enrolled
NCOA/Urban Institute, 2024
~100M
Americans receive some form of government assistance
U.S. Dept. of Health & Human Services, 2023
Explore the main benefit programs available and find the ones that apply to your situation.
Available programs in Vermont
Monthly income if a disability stops you from working.
Monthly income if a disability stops you from working.
Social Security Disability Insurance (SSDI) pays a monthly benefit if you worked, paid Social Security taxes, and can no longer work because of a disability. In Vermont, a state office called Disability Determination Services (DDS) reviews the medical part of your claim. The fastest way to file a strong claim is through Turnout.
AVERAGE MONTHLY BENEFIT
$1,630
Average monthly SSDI payment for disabled workers in 2026.
SSA 2026 COLA Fact Sheet
WORK INCOME LIMIT
$1,690
Monthly earnings above this count as substantial work in 2026 for non-blind workers.
SSA 2026 COLA Fact Sheet
MEDICARE WAIT
24 months
Months after your disability start date before Medicare begins.
SSA/CMS 2026
Who qualifies
How to apply
The fastest way to file a strong SSDI claim is through Turnout. Start with a free consultation, and you pay nothing unless you win. Turnout helps you gather medical records and file so Vermont Disability Determination Services has what it needs the first time.
Frequently asked questions
How long does an SSDI decision take in Vermont?
A first decision usually takes several months while Vermont Disability Determination Services reviews your medical records. Filing a complete claim up front is the best way to avoid delays.
Can I get Medicaid while I wait for Medicare?
Yes. Vermont expanded Medicaid (Green Mountain Care) to adults up to 138 percent of the federal poverty level, so many people approved for SSDI qualify for health coverage during the 24-month Medicare wait.
Does working a little disqualify me?
Not always. In 2026 you can generally earn up to $1,690 a month ($2,830 if blind) and still qualify, and a trial work period lets you test working at $1,210 a month or more.
Government resources
Related Turnout resources
Monthly cash for people with disabilities and limited income.
Monthly cash for people with disabilities and limited income.
Supplemental Security Income (SSI) pays monthly cash to people who are 65 or older, blind, or disabled and have very little income and few resources. Vermont adds a small state supplement on top of the federal payment. The fastest way to file is through Turnout.
FEDERAL BENEFIT RATE
$994
Maximum federal SSI payment for an individual in 2026.
SSA 2026 COLA Fact Sheet
VERMONT SUPPLEMENT
$55.68
Extra Vermont adds each month for an individual living independently in 2026.
VT DCF Procedure P-2740A, 2026
RESOURCE LIMIT
$2,000
Countable resource limit for an individual ($3,000 for a couple).
SSA 2026 COLA Fact Sheet
Who qualifies
How to apply
The fastest way to file for SSI is through Turnout. Start with a free consultation, and you pay nothing unless you win. Your SSI application in Vermont automatically applies you for the state AABD supplement, so you do not file twice.
Frequently asked questions
Does Vermont add to my SSI payment?
Yes. Vermont pays a state supplement called Aid to the Aged, Blind or Disabled (AABD) on top of the federal SSI benefit, bringing the 2026 total for an individual living independently to $1,049.68 a month.
Will SSI get me Medicaid in Vermont?
Yes. People approved for SSI in Vermont qualify automatically for Medicaid (Green Mountain Care) and get a separate coverage letter.
Do I have to apply separately for the state supplement?
No. When you apply for SSI at a Social Security office, that application is also your application for Vermont's AABD supplement.
Government resources
Related Turnout resources
Tax-free monthly payments for service-connected conditions.
Tax-free monthly payments for service-connected conditions.
VA disability compensation pays tax-free monthly benefits to veterans with service-connected conditions. Vermont adds its own benefits, including a property tax break for disabled veterans. The fastest way to file or appeal is through Turnout.
100% DISABILITY RATE
$3,938.58
Monthly tax-free VA payment for a veteran alone rated 100 percent in 2026.
VA Compensation Rates 2026
PROPERTY TAX EXEMPTION
$10,000+
Minimum home value exempted for eligible disabled veterans, up to $40,000 by town vote.
VT Office of Veterans Affairs 2026
VETERAN TAX CREDIT
$250
Refundable Vermont credit for income-eligible veterans with AGI at or below $25,000.
VT Dept. of Taxes 2026
Who qualifies
How to apply
The fastest way to file or appeal a VA claim is through Turnout. Start with a free consultation, and you pay nothing unless you win. Turnout helps you gather evidence and file so your claim is complete the first time.
Frequently asked questions
Does Vermont tax my VA disability pay?
No. VA disability compensation is not taxed by the federal government or by Vermont.
How much is the Vermont veteran property tax exemption?
State law sets a minimum $10,000 exemption off your home's appraised value, and towns may vote to raise it up to $40,000. You must be rated 50 percent or higher and apply by May 1 through the Vermont Office of Veterans Affairs.
Does Vermont tax military retirement pay?
No, in most cases. A 2025 law (Act 71) excludes military retirement pay from Vermont income tax for incomes up to $125,000, phasing out by $175,000.
Government resources
Related Turnout resources
Health coverage and advocacy for people 65+ and some younger people.
Health coverage and advocacy for people 65+ and some younger people.
Medicare is federal health insurance for people 65 and older and some younger people with disabilities. Vermont's State Health Insurance Assistance Program (SHIP) gives free, unbiased Medicare counseling. Turnout can help you understand and use your benefits at no cost to you.
ELIGIBILITY AGE
65
Age most people become eligible for Medicare.
CMS 2026
DISABILITY WAIT
24 months
Months of SSDI before Medicare starts for younger people with disabilities.
SSA/CMS 2026
FREE STATE HELP
$0
Cost of Vermont SHIP Medicare counseling through the Senior HelpLine.
VT DAIL SHIP 2026
Who qualifies
How to apply
Turnout can help you understand your Medicare options and enroll, and this advocacy is covered by Medicare at no cost to you. You can also call Vermont's SHIP Senior HelpLine for free one-on-one counseling.
Frequently asked questions
What is Vermont's SHIP?
SHIP is the State Health Insurance Assistance Program, which gives free, unbiased Medicare help through Vermont's Area Agencies on Aging. Reach it at the Senior HelpLine, 1-800-642-5119.
When do I sign up for Medicare?
Most people have a 7-month window that starts 3 months before the month you turn 65. If you get SSDI, you are enrolled automatically after 24 months.
Can Medicaid help with Medicare costs in Vermont?
Yes. Vermont's Medicare Savings Programs and Medicaid can cover Part B premiums and other costs if your income and resources are low enough.
Government resources
Related Turnout resources
Making sure your child gets every service they're entitled to.
Making sure your child gets every service they're entitled to.
An Individualized Education Program (IEP) is a written plan of special education services for a child with a disability. In Vermont, families have strong rights under state rules and federal law. Turnout advocates prepare with you and join IEP meetings.
CONDITIONS THAT QUALIFY
13 categories
Federal law covers a wide range, from autism to dyslexia to ADHD.
IDEA / U.S. Dept. of Ed
EVALUATION TIMELINE
60 days
Calendar days to complete the evaluation after you sign consent.
VT SBE Rule 2362, 2021
IEP DEVELOPMENT
30 days
Days to write the IEP after a child is found eligible.
VT Special Ed Parent Guide, 2026
Who qualifies
How to apply
Turnout advocates prepare with you and join your IEP meetings so your child's needs are heard. Start by requesting an evaluation in writing from your child's school; a Turnout advocate can help you draft the request and plan for the meeting.
Frequently asked questions
What's the difference between an IEP and a 504 plan?
An IEP provides specialized instruction and services for a child with a disability. A 504 plan provides accommodations like extra time or seating changes, but not specialized instruction. A child who needs more than accommodations usually needs an IEP.
How long does the evaluation take?
Once you sign consent, the school has 60 calendar days to complete the evaluation, then must decide eligibility in writing.
What if I disagree with the school?
You can request an independent evaluation at no cost, use free mediation, or file a state complaint with the Vermont Agency of Education, which must be resolved within 60 days.
Government resources
Related Turnout resources
Free or low-cost health coverage for qualifying residents.
Free or low-cost health coverage for qualifying residents.
Vermont's Medicaid program is part of Green Mountain Care, and the program for children and pregnant people is called Dr. Dynasaur. Vermont is a Medicaid expansion state, so adults with low income can qualify even without children. The Department of Vermont Health Access (DVHA) runs it, and you apply through Vermont Health Connect.
ADULT INCOME LIMIT
138% FPL
Income limit for expansion adults ages 19 to 64.
DVHA / healthinsurance.org 2026
CHILDREN (DR. DYNASAUR)
312% FPL
Income limit for children under 19, one of the highest in the nation.
Vermont Health Connect 2026
PREGNANCY COVERAGE
208% FPL
Income limit for pregnant Vermonters, with 12 months of coverage after birth.
Vermont Health Connect 2026
Who qualifies
How to apply
Apply any time of year through Vermont Health Connect online, by phone at 1-855-899-9600, or with a free certified assister. Have your income, household size, and citizenship or immigration details ready. Most decisions come within 30 days, faster for pregnant people and children.
Frequently asked questions
Is Medicaid called something different in Vermont?
Yes. Vermont's Medicaid is part of Green Mountain Care, and children's coverage is called Dr. Dynasaur.
Can adults without kids get Medicaid in Vermont?
Yes. Vermont expanded Medicaid in 2014, so adults ages 19 to 64 with income up to 138 percent of the poverty level qualify with no asset test.
How high is the income limit for kids?
Dr. Dynasaur covers children up to 312 percent of the poverty level, one of the highest limits in the country, and premiums are currently suspended so coverage is free.
Government resources
Related Turnout resources
Monthly grocery benefits to help cover food costs.
Monthly grocery benefits to help cover food costs.
Vermont's SNAP program is called 3SquaresVT, and benefits load onto a Vermont EBT Card you use like a debit card. Vermont uses broad-based categorical eligibility, so the gross income limit is 185 percent of the poverty level, higher than the 130 percent federal floor. The Department for Children and Families (DCF) runs it.
GROSS INCOME LIMIT
185% FPL
Gross monthly income limit for most households under Vermont's rules.
Vermont DCF 2026
MAX BENEFIT FAMILY OF 4
$994
Maximum monthly allotment for a family of four in 2026.
USDA FNS FY2026 COLA memo
VERMONTERS SERVED
63,000+
People receiving 3SquaresVT benefits as of late 2025.
Gov. Scott / DCF 2025
Who qualifies
How to apply
Apply online at mybenefits.vermont.gov, or call 1-800-479-6151 for a paper application. You will complete a short phone or in-person interview. Most decisions come within 30 days, and urgent cases can be reviewed in 7 days.
Frequently asked questions
What is 3SquaresVT?
3SquaresVT is Vermont's name for SNAP, the federal food assistance program. The benefits and EBT card work just like SNAP in every other state.
Is Vermont's income limit really higher?
Yes. Vermont uses a 185 percent of poverty gross income limit with no asset test for most households, higher than the 130 percent federal floor.
How soon can I get help if I have no money for food?
If you qualify for expedited service, Vermont must review your case within 7 days instead of the standard 30.
Government resources
Related Turnout resources
Nutrition support for moms, infants, and young children.
Nutrition support for moms, infants, and young children.
WIC helps pregnant people, new parents, and children under 5 with healthy food, nutrition help, and breastfeeding support. In Vermont, benefits load onto an eWIC card you use at approved stores. The Vermont Department of Health runs the program through local district offices.
CHILD AGE LIMIT
Under 5
Children up to age 5 can receive WIC benefits.
Vermont Dept. of Health 2026
INCOME LIMIT
185% FPL
Standard WIC income limit, waived if you already have Medicaid, SNAP, or Reach Up.
Vermont Dept. of Health 2026
FARM COUPONS
$30
Seasonal Farm to Family coupons for fresh local produce ($48 for age 60+).
Vermont Dept. of Health 2026
Who qualifies
How to apply
Start your application online, text APPLY to 1-844-839-8942, or call the Vermont WIC Program at 800-464-4343. Local WIC staff will follow up to finish your enrollment and set up your eWIC card. WIC does not ask about immigration status.
Frequently asked questions
What does Vermont's WIC card look like?
Vermont uses an eWIC card that works like a debit card at approved grocery stores. You can check your balance in the WICShopper app.
Do I automatically qualify if I have other benefits?
Yes. If your household has Medicaid (Dr. Dynasaur), 3SquaresVT, or Reach Up, you are automatically income-eligible for WIC.
Can fathers and grandparents apply?
Yes. Any parent, grandparent, foster parent, or guardian caring for an eligible child can apply.
Government resources
Related Turnout resources
Help with heating and cooling costs.
Help with heating and cooling costs.
Vermont's LIHEAP is called Seasonal Fuel Assistance, and it helps pay winter heating bills whether you own or rent. There is also year-round Crisis Fuel help if you run out of fuel or face a shutoff. The Department for Children and Families (DCF) runs it, with no asset test.
SEASONAL INCOME LIMIT
185% FPL
Gross income limit for Seasonal Fuel Assistance, among the most generous in the nation.
Vermont DCF 2025-2026
CRISIS FUEL LIMIT
200% FPL
Higher income limit for emergency Crisis Fuel help.
Vermont DCF 2025-2026
HEATING SEASON
5 months
Crisis Fuel season runs late November through April 30.
Vermont DCF 2025-2026
Who qualifies
How to apply
Apply online at mybenefits.vermont.gov, or call 1-800-479-6151 for a paper application. Apply in spring or summer for the coming winter, since funding decisions are made in early fall. For an emergency, contact your local Community Action Agency for Crisis Fuel.
Frequently asked questions
What is Vermont's LIHEAP called?
Vermont calls it Seasonal Fuel Assistance, run by the Department for Children and Families. Emergency help is called Crisis Fuel Assistance.
Is there an asset test?
No. Vermont's Fuel Assistance is based on income alone, with no limit on savings, retirement accounts, or property.
Can renters get help?
Yes. Both homeowners and renters can qualify, including renters whose heat is included in rent.
Government resources
Related Turnout resources
Cut your monthly premium - sometimes $0.
Cut your monthly premium - sometimes $0.
Vermont runs its own health insurance marketplace called Vermont Health Connect, not HealthCare.gov. It is where you shop for private plans, apply for financial help, and can also enroll in Medicaid or Dr. Dynasaur. Most Vermonters who enroll qualify for savings.
VERMONTERS ENROLLED
32,000+
People who signed up during the 2025 open enrollment period.
DVHA 2025
GET FINANCIAL HELP
95%
Share of marketplace enrollees who qualify for premium help.
DVHA 2025
OPEN ENROLLMENT ENDS
Jan 15
Deadline to enroll for the year, with November 1 start.
DVHA 2026
Who qualifies
How to apply
Apply at Vermont Health Connect online, by phone at 1-855-899-9600, or with a free certified assister. To get financial help, you must enroll through Vermont Health Connect, not directly with an insurer. Open enrollment runs November 1 to January 15.
Frequently asked questions
Do I use HealthCare.gov in Vermont?
No. Vermont runs its own marketplace, Vermont Health Connect, so that is where you apply and get financial help.
Will I still get help in 2026?
Yes, though some enhanced federal subsidies expired at the end of 2025, so premiums may be higher than in 2025. Most enrollees still qualify for some financial help.
Can I get Medicaid through the same application?
Yes. Vermont Health Connect screens you for Medicaid and Dr. Dynasaur as well as marketplace plans.
Government resources
Related Turnout resources
Short-term cash for families with children in financial crisis.
Short-term cash for families with children in financial crisis.
Vermont's TANF program is called Reach Up. It gives monthly cash to low-income families with children, plus job help, child care support, and case management. The Department for Children and Families (DCF) runs it, and your grant depends on your family size, housing costs, and income.
MAX GRANT FAMILY OF 3
Up to $856
Highest monthly cash benefit for a family of three, slightly higher in Chittenden County.
Vermont DCF 2026
LIFETIME LIMIT
60 months
Maximum months a family can receive Reach Up cash assistance.
Vermont Statutes 2026
NEED STANDARD FAMILY OF 3
$1,236
Monthly income below which a family of three is considered needy.
Vermont DCF 2026
Who qualifies
How to apply
Apply online at mybenefits.vermont.gov, or call 1-800-479-6151 for a paper application. After you apply, you will have an interview and usually attend an orientation. Your case manager calculates your exact grant based on your family and housing costs.
Frequently asked questions
How much cash will I get from Reach Up?
It depends on your family size, housing costs, and income. For a family of three, the maximum is up to $856 a month, and grants are slightly higher in Chittenden County.
Is there a time limit?
Yes. Families can generally receive Reach Up cash for up to 60 months in a lifetime, and time on assistance in other states counts too.
Does Reach Up connect me to other help?
Yes. Reach Up families are automatically eligible for 3SquaresVT and can get child care assistance and other supports.
Government resources
Related Turnout resources
Up to $8,231 back for working individuals and families.
Up to $8,231 back for working individuals and families.
The Earned Income Tax Credit (EITC) puts money back in the pockets of working people with low to moderate income. Vermont has one of the most generous state EITCs in the country, worth 38 percent of the federal credit for filers with children. It is fully refundable, so you get it even if you owe no tax.
VERMONT MATCH
38%
Vermont EITC as a share of the federal credit for filers with children.
VT Dept. of Taxes 2026
FEDERAL MAX (3+ KIDS)
$8,231
Maximum federal EITC for a family with three or more children in 2026.
IRS Rev. Proc. 2025-32
NO-CHILDREN MATCH
100%
Vermont now matches 100 percent of the federal credit for workers without children.
VT Dept. of Taxes 2026
Who qualifies
How to apply
Claim the credit by filing your federal and Vermont tax returns; there is no separate application. If you qualify for the federal EITC, Vermont adds its credit automatically when you file. Free tax help is available through the Vermont Department of Taxes.
Frequently asked questions
Does Vermont have its own EITC?
Yes. Vermont's EITC is 38 percent of the federal credit for filers with children and 100 percent for workers without children, and it is fully refundable.
Do I need to apply separately?
No. If you qualify for the federal EITC and file a Vermont return, the state credit is added automatically.
Can I get it without a Social Security number?
Yes. Vermont's EITC is available to qualifying residents whether they file with an SSN or an ITIN.
Government resources
Related Turnout resources
Up to $2,200 per qualifying child under 17.
Up to $2,200 per qualifying child under 17.
The Child Tax Credit (CTC) helps families with the cost of raising children. On top of the federal credit, Vermont has its own Child Tax Credit worth $1,000 for each young child. Both credits can put real money back in your pocket at tax time.
FEDERAL MAX PER CHILD
$2,200
Maximum federal Child Tax Credit per qualifying child in 2026.
IRS Rev. Proc. 2025-32
VERMONT CREDIT
$1,000
Vermont credit per child age 6 or younger, fully refundable.
VT Dept. of Taxes 2026
FEDERAL REFUNDABLE
$1,700
Refundable portion of the federal credit in 2026.
Tax Foundation / IRS 2026
Who qualifies
How to apply
Claim both credits by filing your federal and Vermont tax returns; there is no separate application. Vermont's credit is fully refundable, so you can receive it even with low or no earnings. Free tax filing help is available through the Vermont Department of Taxes.
Frequently asked questions
Does Vermont have its own Child Tax Credit?
Yes. Vermont gives a fully refundable $1,000 credit for each child age 6 or younger, on top of the federal Child Tax Credit.
What is the income limit for the Vermont credit?
Families with adjusted gross income up to $125,000 get the full $1,000 per child, and a partial credit is available up to $175,000.
Can I get the Vermont credit with no SSN?
Yes. Vermont's Child Tax Credit is available to qualifying residents who file with an SSN or an ITIN.
Government resources
Related Turnout resources
Subsidized childcare for working families.
Subsidized childcare for working families.
Vermont's child care subsidy is the Child Care Financial Assistance Program (CCFAP). Thanks to Act 76 (2023), Vermont now has one of the most generous income limits in the country, helping many middle-income families. The Department for Children and Families Child Development Division runs it.
INCOME LIMIT
575% FPL
Highest income limit for CCFAP help after the Act 76 expansion.
Vermont DCF 2024
FREE-CARE THRESHOLD
175% FPL
Families below this level pay no weekly family share.
Vermont DCF 2024
CHILDREN SERVED
9,000+
Children currently getting CCFAP help statewide.
Vermont DCF 2024
Who qualifies
How to apply
Apply online through the Child Development Division Parent Portal, or submit a paper application to your local child care support agency. You can also call 1-800-649-2642 for help. Families below 175 percent of poverty pay nothing, with a sliding family share above that.
Frequently asked questions
How high is Vermont's income limit for child care help?
Vermont raised the CCFAP limit to 575 percent of the poverty level under Act 76, one of the most generous in the nation, so many middle-income families now qualify.
Will I have to pay anything?
Families below 175 percent of poverty pay no weekly family share. Above that, families pay a sliding share based on income and family size.
What ages does CCFAP cover?
It covers children from 6 weeks to 13 years old, and up to 19 for children with special needs.
Government resources
Related Turnout resources
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Dozens of federal and state programs exist, from SNAP and Medicaid to SSI, VA disability, and housing help, and most people qualify for more than they realize. Radar, Turnout's free benefits scan, checks you against all of them in a few minutes.
Answer a few quick questions and Radar matches your situation against every major program, then shows what you may qualify for and how to apply.
Yes. Radar is completely free, and there's no cost to see your results or to get help applying.
Eligibility varies by state. Run a free Radar scan to see the programs available in Vermont, including Medicaid, SNAP, and utility and childcare assistance.
You answer a short set of questions about your household. Radar screens them against SNAP, Medicaid, SSI, SSDI, VA disability, and more, and returns a personalized list of programs.
A few minutes. Radar is quick, and you get your results right away.
Disability (SSDI/SSI), Veterans benefits, Medicaid and health coverage, SNAP/food assistance, housing and utility help, childcare assistance, and education support, among others.
No. Radar just shows what you may qualify for. If you want, a Turnout advocate can help you apply and handle the paperwork.
Yes. Your information is kept confidential and used only to match you with benefits and, if you choose, help you apply.