SAMPLE REPORT — illustrative only. Figures are examples for a fictional household, not a real audit.
Personal Benefits Audit · Sample

Benefits Action Plan

Prepared for: Robert E. (sample), age 74 · Framingham, MA
Profile: Homeowner · single · ~$28,000/yr income · on Medicare · not a veteran
Prepared by ClariDeed · [sample date]
≈ $5,870 / yr
estimated benefits Robert appears to be leaving on the table (if approved). Estimates, not guarantees.

✅ Apply for these now

Strong matches — start here.
Senior Circuit Breaker Creditup to $2,820/yr
Likely eligible

Robert's property tax is well over 10% of his income and his home is under the $1,298,000 value ceiling — the key tests. He has not claimed it before, so up to 3 prior years can be amended for retroactive refunds.

Form: Schedule CB (with the MA return) · Gather: property-tax + water/sewer bills, last year's return · File: with MA Form 1; we help you assemble it, your preparer files.
Medicare Savings Program (pays Part B)~$2,100+/yr
Likely eligible

Massachusetts has no asset test for this — it pays the ~$185/mo Part B premium and often more. Robert's income is within range. Frequently missed.

Form: MassHealth Buy-In (MSP) · Gather: Medicare card, income proof · File: via MassHealth or a free SHINE counselor. Approval also triggers Extra Help for drug costs.
Fuel Assistance (LIHEAP) + Utility Discount~$800 + ~$450/yr
Likely eligible

Income is under the guideline — covers winter heating, and the utility discount rate (25–42% off electric/gas) stacks on top and often auto-applies once LIHEAP is approved.

File: local Community Action agency (we identify yours by ZIP).
SNAP (Food Assistance)~$100/mo
Likely eligible

Age 60+ gets extra deductions for medical costs and high housing — many qualify near the income line. Benefit varies with income.

File: DTAConnect.com. We help you claim the senior medical-expense deduction.
Reduced-Fare Senior Transithalf-fare
Likely eligible

Not income-based — every 65+ resident qualifies. MBTA Senior CharlieCard / regional half-fare.

🔎 Worth verifying

Likely depends on town rules or a detail to confirm.
Property Tax Exemption (Clause 41C / 41C½)~$500–$2,000/yr
Need to verify

Depends entirely on which clause Framingham adopted — limits range from the ~$13k state floor up to the Circuit Breaker income limit for 41C½ towns. We confirm Framingham's exact adopted clause and amount with the assessor.

Form: State Tax Form 96 (town assessor) · deadline usually April 1.
Property Tax Deferral (41A) & Senior Work-Offdefer + ~$2,000/yr
Need to verify

The fallback if income is over the exemption limit: 41A defers the bill at low interest; the Work-Off program trades volunteer hours for up to ~$2,000 off. Both town-specific.

Prescription Advantagelowers drug costs
Need to verify

MA state pharmacy program that wraps around Medicare Part D and caps out-of-pocket drug spending.

⚖️ Routed to a free expert (we don't charge for these)

By law these go to accredited / licensed help — at no cost to you.
VA Aid & Attendancefree VSO
Referral

Robert isn't a veteran in this sample, but when applicable we connect you to a free, accredited Veterans Service Officer — never a paid filer.

Long-term-care MassHealth / asset planningelder-law attorney
Referral

Nursing-home MassHealth involves the 5-year lookback and estate recovery — we refer to a licensed MA elder-law attorney.

Your next 3 steps

File the Circuit Breaker — biggest single win, plus up to 3 amended prior years. We assemble the packet this week.
Apply for the Medicare Savings Program + Fuel Assistance together — we prep both and book your SHINE appointment.
Confirm Framingham's senior exemption with the assessor before the April 1 deadline — we make the call with you.