Question 1

When can I change my Medicare plan, and who can help me choose for free?

Accepted Answer

Between October 15 and December 7 each year you can join, switch or drop a Medicare Advantage or Part D drug plan, with changes starting January 1. Cape & Islands SHINE counsellors (508-375-6762) help free and sell nothing.

Question 2

Who handles fuel assistance on Cape Cod, and when should I apply?

Accepted Answer

On the Cape, the state fuel assistance programme is run by South Shore Community Action Council (1-877-383-5243). It helps pay for heat used from November 1 to April 30, and applying is free. Apply in the autumn, before the cold.

Question 3

Can my town lower my property tax because I am a senior?

Accepted Answer

Often, yes. Massachusetts towns offer senior exemptions (Clauses 17D and 41C), a tax deferral (41A) and, in many towns, a work-off programme. You must apply every year, usually by April 1 or three months after the actual bill is mailed. The state Circuit Breaker credit (up to $2,820 for tax year 2025) comes on top.

Question 4

My parent on the Cape suddenly needs help. Who do I call first?

Accepted Answer

Two free calls: Elder Services of Cape Cod & the Islands (800-244-4630) for an assessment, help at home and meals, and your parent’s town Council on Aging, which knows the local options. If they are leaving hospital, ask for the discharge planner by name.

Question 5

What should I look for when I visit my parents over the holidays?

Accepted Answer

Look for spoiled or missing food, unopened mail and bills, missed medicines, a messier house than usual, weight loss, new bruises or dents in the car, and memory problems beyond ordinary forgetfulness. Ask how they are managing, and listen before suggesting anything.

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