申請 MLTC 家庭護理
Long-Term Care Assistance
長者申請家庭護理服務（MLTC，即管理式長期護理計劃）確實是一件繁瑣、步驟繁多的事情。許多家庭在面對複雜的白卡（Medicaid）政策和評估流程時會感到無助。
1.第一步：申請社區 Medicaid（社區白卡）:通常需要 45 天左右.
長者必須先擁有紐約州白卡。如果還沒有，可以聯絡當地的社會服務部（LDSS）或前往 HRA 辦公室申請。
如果您急需護理（例如剛出院、無人照顧），可以在遞交白卡申請時同時申請*「急需護理（Immediate Need）」*快速通道。
2.第二步：預約紐約獨立評估（NYIAP）:
擁有白卡後，您不能直接找護理公司。必須先致電 NYIAP 預約評估。
州政府會派遣一名獨立的註冊護士（Nurse）和一位臨床醫生，前往長者家中（或通過視訊）進行健康與日常生活能力（如洗澡、做飯、走路等）的評估，以確定長者是否符合每週接受家庭護理的醫學標準。
3.第三步：選擇並加入 MLTC 計劃:
評估通過後，您會收到一份核准通知。此時，您需要致電 New York Medicaid Choice（紐約州健保選擇），他們會協助您從市面上的 MLTC 計劃中選擇一個最適合長者的保險方案並辦理入戶登記。
Applying for home care services through Managed Long-Term Care (MLTC) can be a complicated process with multiple steps. Many families feel overwhelmed when navigating complex Medicaid policies and assessment requirements.
1. Step One: Apply for Community Medicaid: Usually takes approximately 45 days.
Seniors must first have New York State Medicaid. If they do not have Medicaid, they can contact their local Department of Social Services (LDSS) or visit an HRA office to apply.
If care is needed urgently—for example, after a hospital discharge or when there is no one available to provide care—you may request the Immediate Need expedited process when submitting the Medicaid application.
2. Step Two: Schedule a New York Independent Assessor (NYIAP) Assessment:
Once Medicaid is approved, you cannot directly choose a home care agency. You must first contact NYIAP to schedule an assessment.
The state will arrange for an independent registered nurse and a clinician to conduct an assessment, either in the senior’s home or virtually. The assessment evaluates the senior’s health and ability to perform activities of daily living (such as bathing, cooking, and walking) to determine whether the senior meets the medical criteria for home care services.
3. Step Three: Choose and Enroll in an MLTC Plan:
After the assessment is approved, you will receive an approval notice. At this point, you can contact New York Medicaid Choice for assistance selecting an MLTC plan that best meets the senior’s needs and completing enrollment.
老人公寓
Senior Housing Assistance
在紐約，「老人公寓」（Senior Housing / Senior Apartments）主要分為政府補助的廉租公寓和帶有日常照料性質的福利公寓。
紐約的老人公寓並非「隨到隨住」，通常需要提前排隊或通過抽籤（Lottery）系統申請。以下為您整理紐約最主流的三類老人公寓，以及具體的申請管道與條件。
每個公寓項目的具體指標略有不同，但通常圍繞以下幾點：
評估項目基本要求年齡門檻申請人（或主申請人）必須年滿 62 歲（部分項目放寬至 55 歲）。收入限制必須屬於低收入（Low-income）或極低收入。以 2026 年紐約市標準為例，多數項目要求家庭年收入在地區中位數（AMI）的 30% 至 60% 之間（通常個人年收入約在 $25,000 至 $50,000 之間，具體視項目而定）。身份證明必須擁有美國合法居留身份（公民、綠卡或特定合法僑民身份）。背景審查需要接受信用調查（Credit Check）和背景調查（無犯罪記錄、無惡意欠租被驅逐記錄）。
In New York, Senior Housing / Senior Apartments generally fall into two main categories: government-subsidized affordable housing and supportive housing that may provide assistance with daily living.
Senior housing in New York is generally not available on a first-come, first-served, move-in basis. Applicants typically need to join a waiting list or apply through a lottery system. Below is an overview of the three most common types of senior housing in New York, along with the main application channels and eligibility requirements.
Requirements vary by housing program, but they generally focus on the following areas:
Age Requirement
The applicant, or primary applicant, generally must be at least 62 years old. Some programs may have a lower age requirement, such as 55.
Income Requirement
Applicants generally must meet low-income or extremely low-income requirements. For example, based on 2026 New York City standards, many programs target households with incomes between approximately 30% and 60% of Area Median Income (AMI). Income limits vary by household size and housing program.
Proof of Legal Status
Applicants must meet the housing program’s requirements regarding U.S. citizenship or eligible immigration status, such as lawful permanent resident status or certain other qualifying statuses.
Background Screening
Applicants may be subject to credit and background checks, including review of rental history and eviction records.
半价地铁卡，政府手机，SSI
Reduced-Fare MetroCard, Free Government Phone, SSI Benefits
捷運局長者半價卡 (MTA Reduced-Fare)
適合對象： 所有 65 歲或以上 的長者（無收入限制），或符合條件的殘障人士。
福利： 地鐵和地方公車一律半價（單程僅需 $1.45），並提供免費轉乘。現在更支持直接綁定 OMNY 手機感應或使用半價 OMNY 卡。
免費政府手機 (Lifeline 計劃)
美國聯邦政府提供一項名為 Lifeline（生命線） 的福利計劃，專門為低收入家庭提供免費的智能手機、每月的免費通話分鐘以及免費的上網流量。
政府手機： 每個家庭（同一住址）只能申請一部免費手機或享受一份電話費補貼。拿到手機後，每 30 天內必須至少使用一次（打一通電話或發一條短信），否則帳戶會因「未使用」而被自動註銷。
申请SSI
MTA Reduced-Fare Card for Seniors
Eligibility: Seniors age 65 and older, with no income requirement, as well as eligible individuals with disabilities.
Benefits: Half-fare rides on the subway and local buses, with free transfers. The reduced fare can also be used with OMNY through contactless payment or a Reduced-Fare OMNY Card.
Free Government Phone (Lifeline Program)
The federal government’s Lifeline program provides eligible low-income households with assistance toward phone service, which may include free or discounted monthly phone and internet service, depending on the participating provider and available plan.
Government Phone: Generally, only one Lifeline benefit is allowed per household at the same address. After receiving service, the account must be used regularly to remain active; providers may terminate service if the benefit is not used for a specified period.
Applying for SSI Benefits