Indiana grants
& benefits: HIP work hours, property tax credits and EAP.

HIP covers Hoosiers 19 to 64 who meet income limits. FSSA's 2026 figures are up to $22,026 a year for one person, $29,870.40 for a couple and $45,546 for four people.

Starting January 1, 2027, members who are not exempt must log 80 monthly hours of work, school, an apprenticeship, a work program or volunteering. Earning $580 or more in the month also counts, and so does attending school or an apprenticeship at least half time.

New applicants must show the three months before the month they apply. Members renew every six months, and the state checks hours every three months. On October 5, 2026, FSSA estimated that more than 58,000 members were not yet in compliance or exempt.

• Parent or caregiver of a child age 13 or younger
• Caregiver of a person with a disability
• Veteran with a total (100%) disability rating
• Pregnant, or 12 months or less since a pregnancy ended
• Medically frail, including blindness, a disability or a serious mental health condition

For the federal side of this coverage, start with our Medicaid program guide.

Since July 1, 2024, most Hoosiers 60 and older with full Medicaid, or Medicaid plus Medicare, are in Indiana PathWays for Aging. Members pick Anthem, Humana or UnitedHealthcare through the helpline at 877-284-9294. FSSA says the Medicaid benefits stay the same.

CHOICE pays for in-home services such as attendant care, home-delivered meals, homemaker visits and respite. It serves people 60 and older or with a disability who are at risk of losing independence, and it runs through Indiana's 16 Area Agencies on Aging.

CHOICE has no income limit, but higher earners may share the cost. Countable assets cannot top $250,000, with another $20,000 excluded. Call 800-986-3505 to reach your local agency. Free Medicare plan counseling comes from SHIP at 800-452-4800.

If Medicare premiums are the bigger strain, see our low-income Medicare help guide.

Homeowners 65 and older can take a flat $150 Over 65 Credit on the home they live in. Your adjusted gross income from two years earlier must be $60,000 or less on a single return, or $70,000 on a joint return, and you must have owned the home for a year.

The Over 65 Circuit Breaker Credit stops the tax bill on your homestead from rising more than 2% over the year before. It uses the same income limits, which are indexed to the Social Security cost-of-living increase starting with taxes payable in 2027.

Homeowners who are blind, or who have a disability that keeps them from substantial gainful activity for at least 12 months, can claim a separate $125 credit. File every one of these with your county auditor by January 15 of the year the taxes are due. Once approved, you do not refile unless something changes.

From the 2026 assessment, payable in 2027, a totally disabled veteran can deduct 100% of the assessed value of the home they live in. The old $240,000 assessed value cap is gone, but the veteran must have lived in Indiana for a year before the assessment date.

Two flat credits replace the former deductions. A wartime veteran with a service-connected rating of at least 10% can get $350. A veteran 62 or older with a disability of at least 10% and 90 days of service can get $250. Both can stack with the Over 65 and blind or disabled credits.

A veteran who takes the 100% deduction cannot also take these credits. Veterans who held the old $14,000 deduction were moved to the $250 credit for 2026 Pay 2027 and must file again for the 100% deduction. A surviving spouse can keep the 100% deduction until remarriage.

Indiana does not tax Social Security or Railroad Retirement benefits, and since 2022 all military retirement income and survivor's benefits can be deducted. Renters can deduct up to $3,000 of rent paid on their Indiana home, or $1,500 if married filing separately.

Workers who claim the federal earned income credit get an Indiana credit equal to 10% of it, figured on Schedule IN-EIC. Taxpayers 65 or older also receive an extra $1,000 exemption each, plus $500 more when federal adjusted gross income is under $40,000.

The Unified Tax Credit for the Elderly pays $40 to $140 to residents 65 or older with federal adjusted gross income under $10,000. Very low earners can claim it on the one-page Form SC-40 through INTIME instead of a full return.

The Energy Assistance Program takes applications from October 1, 2026 to April 30, 2027. Online applications moved from EAPConnect to a new system called LITT this year. Households at or below 60% of state median income can qualify, which is $54,207 a year for three people.

Applying also protects you in winter. From December 1 to March 15, a regulated utility cannot shut off service to a household that is eligible for EAP and has applied. Your local service provider decides eligibility and can take paper or in-person applications.

SNAP and Temporary Assistance for Needy Families are handled by the Division of Family Resources, which also decides Medicaid eligibility. Apply through the FSSA Benefits Portal or call 1-800-403-0864.

How the federal heating program works nationwide is in our LIHEAP program guide.