Florida Home Equity Conversion Plans to Disabled Homeowners by tlt12652


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 Produced and Distributed by
  Boston Senior Home Care


                Created b y: Bryna Lansky

This guide was produ ced with a grant from the Charles
 H. Farnsworth Trust. W e are immensely grateful to
              them for their gen erosity.

  Boston Senior Home Care makes no endorsements
about the services listed in this guide and cannot be held
                  responsible fo r them.

Boston Senior Home Care and its programs are funded,
whole or in part, by contracts with th e Executive Office
                    of Elder Affairs.



DENTAL ………………………………4




HEALTH CARE……………………….21







TAX CREDITS……………………...….41




MassHealth is the state-federally funded health
insurance for low income, low assets US
citizens. To check eligibility, please call 1-888-
          While MassHealth covers some dental
care, it is not all inclusive. If you are a
MassHealth member, please call the Dental
Customer Service Number at 1-800-207-5019
to find out what is covered.

Dental Schools
Typically, dental schools offer service at a more
affordable rate than private practice.

BU Goldman School of Dentistry
Forsyth School for Dental Hygiene
Harvard School of Dental Medicine
Middlesex Community College Hygiene Clinic
Tufts School of Dental Medicine

Dental/Health Centers
Community Health Centers provide reduced
rates for patients who are low-moderate
Brookside Community Health Center
3297 Washington Street, Jamaica Plain



          DENTAL (continued)

Boston (continued)
Codman Square Health Center
637 Washington Street, Dorchester
Dimock Community Health Center
55 Dimock Street, Roxbury
East Boston Neighborhood Health Center
10 Gove Street, East Boston
Geiger-Gibson Community Health Center
250 Mt. Vernon Street, Dorchester
Greater Roslindale Medical/Dental Center
Roslindale Square, Roslindale
Harvard Street Neighborhood Health Center
632 Blue Hill Avenue, Dorchester
Heath Station at Roxbury Crossing
125 Tremont Street, Boston
Joseph M. Smith Community Health Center
287 Western Avenue, Allston
Mattapan Community Health Center
1425 Blue Hill Avenue, Mattapan
North End Community Health Center
332 Hanover Street, Boston
South Cove Community Health Center
885 Washington Street, Boston



          DENTAL (continued)

Boston (continued)
South End Community Health Center
1601 Washington Street, Boston
Upham’s Corner Health Center
500 Columbia Road, Dorchester
Vietnamese Health Center
1590 Dorchester Avenue, Dorchester
Whittier Street Neighborhood Health Center
1125 Tremont Street, Roxbury
Windsor Street Health Center
119 Windsor Street, 617-665-3600
CHC Family Health Center
275 Nichols Road, 978-665-5820
Ellen Jones Community Health Center
Holyoke Health Center
30 Center Street, 413-420-2214
Duffy Health Center
105 Parl Street, 508-771-9599
Lynn Community Health Center
232 Union Street, 781-581-9832
New Bedford
Greater New Bedford Health Center
874 Purchase Street, 508-992-6553



          DENTAL (continued)

Torigian Family Health Center
89 Foster Street, 978-532-4903
Salem Family Health Center
47 Congress Street, 978-744-8388
Springfield Southwest Health Center
1145 Main Street, 413-739-1100
Turners Falls
Community Health Center,
338 Montague City Road, 413-772-3748
West Barnstable
Cape Cod Community College
2240 Iyanough Road, 877-846-3672
Family Health Center of Worcester
26 Queen Street, 508-860-7700
Great Brook Valley Health Center
19 Tacoma Street, 508-852-1805
Hillstown/Worthington Community
Health Center
58 Old North Street, 413-238-5511




One-Stop Career Centers
All Massachusetts One-Stop Career Centers
offer job search assistance including workshops
on interviewing, networking and resume writing
and tools to help conduct an effective search.
Greater Boston
     JobNet, 210 South Street, Boston
     Boston Career Link, 1010 Harrison
        Avenue, Boston, 617-536-1888
     The Work Place, 29 Winter Street,
        Boston, 617-737-0093
     Career Source, 186 Alewife Brook
        Parkway, Cambridge, 617-661-7867
     Everett Career Source, 1935 Revere
        Beach Pkwy, Everett, 617-389-8025
     Employment & Training Resources,
        201 Boston Post Road, Marlboro,
     Employment & Training Resources,
        449 Newtonville Ave, Newtonville,
     Employment & Training Resources,
        275 Prospect Street, Norwood,
     The Career Place, 100 Sylvan Road,
        Woburn, 781-932-5500



      EMPLOYMENT (continued)

Northeastern Massachusetts
    North Shore Career Center, 11 Parker
      Street, Gloucester, 978-283-4772
    ValleyWorks Career Center, 192 Merri-
      mack Street, Haverhill, 978-722-7000
    ValleyWorks Career Center, 439 South
      Union Street, Lawrence, 978-722-7000
    Career Center, 18 John Street, Lowell,
    North Shore Career Center, 181 Union
      Street, Lynn, 781-593-0585
    North Shore Career Center, 70
      Washington St, Salem, 978-825-7200
Southeastern Massachusetts
    Career Center, 67 Mechanic Street,
      Attleboro, 508-222-1950
    CareerWorks, 34 School Street,
      Brockton, 508-513-3400
    Career Center, 446 North Main Street,
      Fall River, 508-730-5000
    Career Opportunities, 372 North St,
      Hyannis, 508-771-5627
    Career Center, 618 Acushnet Avenue,
      New Bedford, 508-990-4000
    Career Opportunities, 77 Finlay Road,
      Orleans, 508-240-1900
    Career Center, 36 Cordage Park,
      Plymouth, 508-732-5300



       EMPLOYMENT (continued)

      Career Center, 152 Parkingway,
       Quincy, 617-745-4000
    Career Center, 41 Taunton Green,
       Taunton, 508-977-1400
    Career Center, 48 Marion Road,
       Wareham, 508-291-7062
Central Massachusetts
    Career Center, 5 Optical Drive,
       Southbridge, 508-765-6430
    Career Center, 25 Main Street,
       Gardner, 978-632-5050
    Career Center, 100 Erdman Way,
       Leominster, 978-534-1481
    Career Center, 425 Fortune Boulevard,
       Milford, 508-478-4300
    Career Center, 44 Front Street,
       Worcester, 508-799-1600
Western Massachusetts
    Career Center, One Arch Place,
       Greenfield, 413-774-4361
    CareerPoint, 850 High Street, Holyoke,
    Berkshire Works, 37 Main Street,
       North Adams, 413-663-5442
    Northampton, 413-586-6506
    Berkshire Works, 160 North Street,
       Pittsfield, 413-499-7306
    FutureWorks, One Federal Street,
       Springfield, 413-858-2800



       EMPLOYMENT (continued)

Senior Community Service Employment
Program (SCSEP)
The Senior Community Service Employment
Program helps eligible, low-income persons 55
and older with training and community service
assignments (20 hours/week at minimum wage)
prior to transitioning into the private sector.
      Citizens for Citizens, 264 Griffin St,
          Fall River, 508-679-0041; services
          Bristol, Hampden, Hampshire,
          Middlesex, Norfolk & Plymouth
      Elder Services of Berkshire County,
          66 Wendell Ave, Pittsfield, 413-499-
          0524; services Berkshire County.
      Operation ABLE of Greater Boston,
          131 Tremont Street, Boston, 617-542-
          4180; covers Essex, Middlesex, Suffolk
          and Worcester counties.
     Foster Grandparent Program (FGP)
     The Foster Grandparent Program recruits
     eligible, low-income persons 60 and older
     to work 20 hours/week with children in
     schools, hospitals, child care centers, etc.
     Seniors receive a stipend.
      Boston                    617-357-6000
      Eastern Middlesex 617-625-1920
      Fall River                508-679-0041
      Greater Lawrence          978-686-9407
      Hampshire County 413-582-4245
      Lowell                    978-459-0551
      New Bedford               508-999-6400
      Springfield               413-739-7211




Supplemental Nutrition Assistance
Program (SNAP)
SNAP, formerly called the Food Stamp
Program, is a government program that
provides eligible, low-income persons with a
line of credit on an EBT card which is used like
a credit card at most food markets. To check
eligibility call Project Bread’s FoodSource
Hotline at 1-800-645-8333.
FoodSource Hotline
The FoodSource Hotline, in addition to helping
screen callers for eligibility to the Food Stamp
Program, also refers persons to local food
pantries where bags of food are provided to
needy persons.
Serve New England
Serve New England is a private, non-profit
food co-operative. They purchase quality food
in bulk at wholesale prices and pass the savings
on to it’s members. Anyone can become a
member – the only qualification is to volunteer
2 hours a month to the co-op. Call 1-888-742-
7363 for more information.
Brown Bag Program
The Brown Bag program gives a free bag of
nutritious food each month to eligible, low-
income seniors. For more information, call one
of the following:
      Greater Boston Food Bank
      Food Bank of Western Massachusetts
          413-247-9738 or 800-247-9632
      Worcester County Food Bank



                  FOOD (continued)

Elderly Nutrition Program
The Elderly Nutrition Program provides
persons 60+ one meal a day Monday through
Friday at community meal sites such as senior
centers, churches, etc. Some programs may also
provide weekend meals. Home delivered meals
may be provided to those who are homebound.
A voluntary donation is requested but no one is
turned away for not paying. Call one of the
following to locate a meal site near you.
Elder Services of Worcester 508-852-3205
(Auburn, Barre, Boylston, Grafton, Hardwick,
Holden, Leicester, Millbury, New Braintree,
Oakham, Paxton, Rutland, Shrewsbury, West
Boylston, Worcester)
Belchertown Council on Aging
Belchertown               413-323-0420
Bristol Elder Services    508-675-2101
(Attleboro, Berkley, Dighton, Fall River, Freetown,
Mansfield, N. Attleboro, Norton, Raynham,
Rehoboth, Seekonk, Somerset, Swansea, Taunton,
Chelsea-Revere-Winthrop Elder Services
Chelsea, Revere, Winthrop      617-884-2500
Coastline Elderly Services 508-999-6400
(Acushnet, Dartmouth, Fairhaven, Gosnold,
Marion, Mattapoisett, New Bedford, Rochester)
Elder Services of Berkshire County
(Adams, Alford, Becket, Cheshire, Clarksburg,
Dalton, Egremont, Florida, Great Barrington,
Hancock, Hinsdale, Lanesboro, Lee, Lenox,
Monterey, Mt. Washington, New Ashford, New
Marlboro, N. Adams, Otis, Peru, Pittsfield,
Richmond, Sandisfield, Savoy, Sheffield, Stock-


              FOOD (continued)

bridge, Tyringham, Washington, W. Stockbridge,
Williamstown, Windsor)
Elder Services of Cape Cod/Islands
508-394-4630 or 800-244-4630
(Barnstable, Bourne, Brewster, Chatham, Chilmark,
Dennis, Eastham, Edgartown, Falmouth, Gay
Head, Harwich, Hyannis, Mashpee, Nantucket, Oak
Bluffs, Orleans, Provincetown, Sandwich, Tisbury,
Truro, Vineyard Haven, Wellfleet, West Tisbury,
Ethos                            617-292-6211
(Allston, Brighton, Hyde Park, Jamaica Plain,
Mattapan, Roslindale, West Roxbury)
Franklin County Home Care 413-773-5555
(Ashfield, Athol, Bernardston, Buckland, Charle-
mont, Colrain, Conway, Deerfield, Erving, Gill,
Greenfield, Hawley, Heath, Leverett, Leyden,
Monroe, Montague, New Salem, Northfield,
Orange, Petersham, Phillipston, Rowe, Royalston,
Shutesbury, Sunderland, Warwick, Wendell,
Greater Lynn Senior Services 781-599-0110
(Lynn, Lynnfield, Nahant, Saugus, Swampscott)
Greater Springfield Senior Services
(Agawam, Brimfield, E. Longmeadow, Hampden,
Holland, Longmeadow, Monson, Palmer, Spring-
field, Wales, W. Springfield, Wilbraham)
HESSCO                          781-784-4944
(Canton, Dedham, Foxboro, Medfield, Millis,
Norfolk, Norwood, Plainville, Sharon, Walpole,
Westwood, Wrentham)
Highland Valley Elder Services413-586-2000
(Amherst, Blandford, Chester, Chesterfield,
Cummington, Easthampton, Goshen, Granville,
Hadley, Hatfield, Huntington, Middlefield,


              FOOD (continued)

Montgomery, Northampton, Pelham, Plainfield,
Russell, Southampton, Southwick, Westfield,
Westhampton, Williamsburg, Worthington)
Kit Clark Senior Services       617-825-5000
(Beacon Hill, West End, Charlestown, Chinatown,
Columbia Point, Dorchester, East Boston, North
End, Back Bay, Fenway, Parker Hill, Roxbury,
South Boston, South End)
Merrimack Valley Nutrition 978-686-1422
(Amesbury, Andover, Billerica, Boxford, Chelms-
ford, Dracut, Dunstable, Georgetown, Groveland,
Haverhill, Lawrence, Lowell, Merrimack, Methuen,
Newbury, Newburyport, N. Andover, Rowley,
Salisbury, Tewksbury, Tyngsboro, Westford, West
Minuteman Senior Services 781-272-7177
(Acton, Arlington Bedford, Boxboro, Burlington,
Carlisle, Concord, Harvard, Lexington, Lincoln,
Littleton, Maynard, Stow, Wilmington, Winchester,
Montachusett Elderly            978-345-8501
(Ashburnham, Ashby, Ayer, Berlin, Bolton, Clinton,
Fitchburg, Gardner, Groton, Hubbardston,
Lancaster, Leominster, Lunenburg, Pepperell,
Princeton, Shirley, Sterling, Templeton, Townsend,
Westminster, Winchendon)
Mystic Valley Elder Services 781-324-7705
(Everett, Malden, Medford, Melrose, N. Reading,
Reading, Stoneham, Wakefield)
North Shore Elder Services 978-750-4540
(Danvers, Marblehead, Middleton, Peabody, Salem)
Old Colony Elder Services 508-584-1561
(Abington, Avon, Bridgewater, Brockton, Carver,
Duxbury, E. Bridgewater, Easton, Halifax,
Hanover, Hanson, Kingston, Lakeville, Marshfield,
Middleboro, Pembroke, Plymouth, Plympton, W.
Bridgewater, Whitman)


              FOOD (continued)

SeniorCare, Inc.                 978-281-1750
(Beverly, Essex, Gloucester, Hamilton, Ipswich,
Manchester, Rockport, Topsfield, Wenham)
Somerville-Cambridge Elder Services
617-628-2601 (Cambridge, Somerville)
Bay Path Elder Services, Inc.
(Ashland, Dover, Framingham, Holliston, Hop-
kinton, Hudson, Marlboro, Natick, Northboro,
Sherborn, Southboro, Sudbury, Wayland, Westboro
South Shore Elder Services 781-848-3910
(Braintree, Cohasset, Hingham, Holbrook, Hull,
Milton, Norwell, Quincy, Randolph, Scituate,
Springwell                       617-926-4100
(Belmont, Brookline, Needham, Newton, Waltham,
Watertown, Wellesley, Weston)
Tri-Valley Elder Services        508-949-6640
(Bellingham, Blackstone, Brookfield, Charlton,
Douglas, Dudley, E. Brookfield, Franklin,
Hopedale, Medway, Mendon, Milford, Millville,
Northbridge, N. Brookfield, Oxford, Southbridge,
Spencer, Sturbridge, Sutton, Upton, Uxbridge,
Warren, Webster, W. Brookfield)
WestMass ElderCare               413-538-9020
(Belchertown, Chicopee, Granby, Holyoke, Ludlow,
South Hadley, Ware)




Energy Bucks
Energy Bucks consists of fuel assistance
programs, utility discount rates and energy
efficiency services. If your income is below
$2,144/month (for one person) or $2,804 (for
family of two) you may be eligible to receive
fuel assistance, discounts on monthly utility
bills and weatherization services, as well as
participate in electric efficiency programs.
Contact your local agency to check eligibility
and apply for services.
Action for Boston Community Develop-
ment, Inc. (ABCD)                 617-357-6000
(Boston, Brookline, Newton)
Action, Inc.                     978-283-7874
(Essex, Gloucester, Ipswich, Manchester-by-the-sea,
Berkshire Community Action Council, Inc.
(BCAC)                   413-445-4503
(Adams, Alford, Becket, Cheshire, Clarksburg,
Dalton, Egremont, Florida, Great Barrington,
Hancock, Hinsdale, Lanesborough, Lee, Lenox,
Monterey, Mt. Washington, New Ashford, New
Marlborough, North Adams, Otis, Peru, Pittsfield,
Richmond, Sandisfield, Savoy, Sheffield, Stock-
bridge, Tyringham, Washington, West Stockbridge,
Williamstown, Windsor)
Cambridge Economic Opportunity Council
(CEOC)                 617-868-2900
Citizens for Citizens (CFC) 508-679-0041
(Fall River, Freetown, Somerset, Swansea, Taunton,
Community Action Agency 617-623-7370



      FUEL/UTILITIES (continued)

Community Action Committee of Cape Cod
& Islands Inc.         508-771-1727
(Barnstable, Bourne, Brewster, Chatham, Chilmark,
Dennis, Eastham, Edgartown, Falmouth, Gay
Head, Gosnold, Harwich, Mashpee, Nantucket,
Oak Bluffs, Orleans, Provincetown, Sandwich, Tis-
bury, Truro, Wareham, Wellfleet, W. Tisbury,
Community Action, Inc.           978-373-1971
(Amesbury, Groveland, Haverhill, Merrimac,
Community Action of the Franklin,
Hampshire and N. Quabbin Regions
(Agawam, Amherst, Ashfield, Belchertown, Ber-
nardston, Blandford, Brimfield, Buckland,
Charlemont, Chester, Chesterfield, Colrain, Con-
way, Cummington, Deerfield, Easthampton, E.
Longmeadow, Erving, Gill, Goshen, Granby,
Granville, Greenfield, Hadley, Hampden, Hatfield,
Hawley, Heath, Huntington, Levrett, Leyden,
Longmeadow, Ludlow, Middlefield, Monroe,
Monson, Montague, Montgomery, New Salem,
Northampton, Northfield, Orange, Palmer, Pelham,
Plainfield, Rowe, Sandisfield, Shelburne, Shutes-
bury, S. Hadley, Southampton, Southwick, Sunder-
land, Tolland, Wales, Ware, Warren, Warwick,
Wendell, Westfield, Westhampton, W. Springfield,
Whately, Wilbraham, Williamsburg, Worthington)
Community Action Program Inter-City
(CAPIC)                 617-884-6130
(Chelsea, Revere, Winthrop)
Community Teamwork               978-459-0551
(Billerica, Chelmsford, Dracut, Dunstable, Lowell,
Tewksbury, Tyngsborough, Westford)



         FUEL/UTILITIES (continued)

Greater Lawrence Community Action
Council (GLCAC)         978-681-4900
(Andover, Lawrence, Methuen, North Andover)
Lynn Economic Opportunity (LEO)
(Lynn)                          781-581-7220
Montachusett Opportunity Council
(MOC)                     978-342-7013
(Ashburnham, Athol, Berlin, Bolton, Clinton,
Fitchburg, Gardner, Lancaster, Leominster,
Phillipston, Royalston, Sterling, Templeton,
Westminster, Winchendon)
North Shore Community Action Program
(NSCAP)                 978-531-0767
(Beverly, Danvers, Peabody, Salem)
People Acting in Community Endeavors
(PACE)                   508-999-9920
(New Bedford, Acushnet, Dartmouth, Fairhaven,
Marion, Mattapoisett, Rochester)
Quincy Community Action Programs
(QCAP)                  617-479-8181
(Quincy, Braintree, Milton, Weymouth)
Self-Help, Inc.                 508-588-0447
(Abington, Attleboro, Avon, Bridgewater,
Brockton, Canton, E. Bridgewater, Easton, Hanson,
Holbrook, Mansfield, N. Attleboro, Norton, Plain-
ville, Randolph, Rockland, Sharon, Stoughton,West
Brigewater, Whitman)
South Middlesex Opportunity Council
(SMOC)                   508-620-2300
(Ashland, Bellingham, Framingham, Holliston,
Hopkinton, Marlboro, Natick, Southboro, Wayland)
South Shore Community Action Council
(SSCAC)                  508-747-7575
(Carver, Duxbury, Hanover, Hull, Kinston, Marsh-
field, Norwell, Pembroke, Plymouth, Plympton,



      FUEL/UTILITIES (continued)

Springfield Partners for Community Action
(Springfield)               413-263-6500
Tri-City Community Action Program
(Everett, Malden, Medford)  781-322-4125
Valley Opportunity Council 413-552-1554
(Agawam, Blandford, Brimfield, Chester, Chicopee,
E. Longmeadow, Granville, Hampden, Holland,
Holyoke, Longmeadow, Ludlow, Monson,
Montgomery, Palmer, Russell, Southwick, Tolland,
Wales, W. Springfield, Westfield, Wilbraham)
Worcester Community Action Council
(WCAC)                   508-754-1176
(Worcester, Auburn, Boylston, Brookfield,
Charlton, Douglas, Dudley, E. Brookfield,
Hardwick, Holden, Leicester, Millbury, New
Braintree, N. Brookfield, Oakham, Oxford, Paxton,
Rutland, Shrewsbury, Southbridge, Spencer,
Sturbridge, Sutton, Warren, Webster, W. Boylston,
W. Brookfield, Westborough)

Other Heating Resources

Citizen’s Energy
Provides eligible people with discount heating
oil. (877-563-4645) as well as help for those
who heat with natural gas. (866-427-9918)
Good Neighbor Energy Fund
The Good Neighbor Energy Fund, a program
of the Salvation Army, provides financial
assistance to eligible persons for heating. Call 1-
800-334-3047 (area codes 508, 617, 781, 978) &
800-262-1320 (serving area code 413)
Home Heating Oil Cooperatives
Oil Buying Network               800-649-7473
Cape & Islands Self Reliance 888-808-0120



              HEALTH CARE

MassHealth (Standard)
MassHealth, also known as Medicaid, is a state/
federal health insurance program for low
income, low assets US citizens. If you are 65+
and have monthly income of <$887 (1 person)
and no more than $2000 in assets, you may be
eligible. A couple (65+) may have up to $1187
a month combined income and $3,000 or less
in assets. MassHealth may pay all doctor,
hospital, etc. bills as well as long term care
services in home or in a nursing facility. Call
the statewide MassHealth Enrollment Center at
1-888-665-9997 for information and to apply.
MassHealth Buy-In
If you are not eligible for Standard MassHealth,
persons 65+ with Medicare may be eligible to
have Medicare Part B premiums paid for by
MassHealth if your income is $1191 or less and
assets are $4000 or less for 1 person. For a
couple the income test is $1596/month or less
and assets of $6000 or less.
MassHealth Home & Community Based
Waiver Program
There are some exceptions to the basic
eligibility requirements for Standard
MassHealth as shown above. If a person or
one member of a couple has income or assets
above the requirements but is functionally
impaired enough to require personal care for
carrying out activities of daily living, s/he may
still be eligible for MassHealth under a waiver
program. To determine eligibility, call the local
Aging Services Access Points (ASAPs) for a
home visit. (see page 28+ )



       HEALTH CARE (continued)

Senior Care Options (SCOs)
A SCO is a Medicare-MassHealth partnership
for dual-eligible seniors. A SCO is a
comprehensive health plan that covers all the
services reimbursable under Medicare and
MassHealth through a senior care organization
and its network of providers. Members of a
SCO will have a primary care physician and 24-
hour access to a team of doctors, nurses,
specialists, and a geriatric support services
coordinator. SCOs in Massachusetts::
Commonwealth Care                866-610-2273
Evercare                         800-393-0939
Senior Whole Health              888-566-3526
Program for All-Inclusive Care for the
Elderly (PACE)
PACE helps certain frail people maintain their
health and independence and live in the
community while getting the health care and
other services they need. PACE combines
medical care, social services and long-term care
services. Persons may have to pay a monthly
premium depending on MassHealth or
Medicare eligibility. For more information, call:
Elder Service Plan
East Boston               617-568-4602
Upham’s Corner            617-288-0970
Cambridge                 617-575-5850
Harbor Health             617-296-5100
Fallon                    508-856-2026
North Shore               781-581-7565



       HEALTH CARE (continued)

Community Health Centers
Community health centers provide primary,
preventive and dental care, as well as mental
health, substance abuse and other community
based services to anyone in need regardless of
their insurance status or ability to pay.
Allston                         617-783-0500
Charlestown                     617-724-8135
Chinatown                       617-482-7555
        Bowdoin Street          617-754-0100
        Codman Square           617-825-9660
        Dorchester House        617-288-3230
        Geiger Gibson           617-288-1140
        Harvard Street          617-825-3400
        Neponset                617-282-3200
        Upham’s Corner          617-287-8000
East Boston                     617-569-5800
Fenway                          617-267-0900
Jamaica Plain
        Brookside               617-522-4700
        Martha Eliot            617-971-2320
        Southern JP             617-983-4100
Mattapan                        617-296-0061
North End                       617-643-8000
Roslindale                      617-323-4440
        Dimock                  617-442-8800
        Roxbury Comp            617-442-7400
        Whittier Street         617-427-1000
South Boston
        Harbor Health           617-269-0312
        S.B. Community Health   617-269-7500
South End                       617-425-2000



       HEALTH CARE (continued)

Bourne                         508-477-7090
Brockton                       508-559-6699
         E. Cambridge          617-665-3000
         N. Cambridge          617-665-3340
         Windsor Street        617-665-3600
Chelsea                        617-884-8300
Chicopee                       413-420-2200
Edgartown                      508-939-9358
Everett                        617-389-0045
Fall River
         HealthFirst           508-679-8111
         SSTAR Family Health   508-675-1054
Falmouth                       508-477-7090
Fitchburg                      978-878-8100
Framingham                     508-370-0113
Gardner                        978-410-6100
Gloucester                     978-282-8899
Great Barrington               413-528-1470
Holyoke                        413-420-2200
Hull                           781-925-4550
Huntington                     413-667-3009
         Duffy                 508-771-9599
         Mid-Upper Cape        508-778-0300
Lawrence                       978-686-0090
Leominster                     978-847-0110
Lowell                         978-937-9700
Lynn                           781-581-3900
Malden                         781-338-0500
New Bedford                    508-992-6553
Orange                         978-544-7800
Peabody                        978-532-4903
Pittsfield                     413-447-2351
Provincetown                   508-487-9395
         Houghs Neck           617-471-8683
         North Quincy          617-376-3030


         HEALTH CARE (continued)

       Snug Harbor             617-471-4715
       South Cove              617-745-0280
Revere                         781-485-6000
Salem                          978-744-8388
        Broadway               617-284-7000
        E. Somerville          617-575-5520
        Union Square           617-665-3370
        Brightwood             413-794-4458
        Caring                 413-693-1018
        Mason Square           413-794-3710
Turners Falls                  413-772-3748
Uxbridge                       508-278-5573
Waltham                        781-693-3800
Wellfleet                      508-349-3131
        Family Health          508-860-7700
        Great Brook Valley     508-852-1805
Worthington                    413-238-5511

Health Safety Net
The Health Safety Net is a fund set up to help
pay for health services for certain low income,
uninsured and underinsured individuals. You
can use the Health Safety Net at hospitals (does
not include doctors’ services in a hospital) and
community health centers. You do not have to
be a citizen to use the Health Safety Net. Apply
at Financial Aid at hospital or community
health center to determine eligibility.
Medicare Advocacy Project (MAP)
MAP provides Medicare beneficiaries free legal
advice/representation for appealing Medicare
denials for services.            800-323-3205




Home modifications are changes to a home to
make it easier/safer to carry out activities such
as climbing stairs, accessing rooms with wheel
chair, etc.
Home Modifications Loan Program
No/low interest loans for eligible persons.
HAP, Inc.                        413-233-1611
 (Agawam, Chicopee, Holyoke, Northampton,
Springfield, W. Springfield, Westfield)
Pioneer Valley Planning Commission
(Western, MA cities/towns not covered by HAP)
RCAP Solutions                  978-630-6725
(Central Massachusetts)
Community Teamwork              978-459-0551
(Northeast MA/North Shore)
South Middlesex Opportunity Council
(Metro West)             508-620-2682
South Shore Housing Development
(Southeastern MA, South Shore, Cape Cod)
Metropolitan Boston Housing Partnership
(Metropolitan Boston)     617-425-6637

Neighborhood Housing Services
Help low-moderate income persons with home
Cambridge                  617-491-1545
Chelsea                    617-889-1375
South Shore                617-770-2227
Springfield                413-739-4737




Emergency Aid to the Elderly, Disabled,
and Children (EAEDC)
EAEDC is a state-funded income program for
those who meet all eligibility. For the elderly,
one must be 65+, citizen or legal immigrant,
waiting for Supplemental Security Income (SSI)
to begin or be ineligible for SSI but meet all
other eligibility requirements for EAEDC such
as income, assets, etc. This program is for those
who have no/little income and/or assets.
Apply at your local office of the Massachusetts
Department of Transitional Assistance. (see
Blue Pages of telephone directory)

Supplemental Security Income (SSI)
Supplemental Security Income (SSI) is a
state/federal income assistance program
administered by the Social Security Adminis-
tration. Some eligibility requirements include
income and asset test, US citizenship, must be
65+, blind or disabled, etc. Individuals
receiving SSI are automatically eligible for
MassHealth. Apply at your local Social Security
office. (see Blue Pages of telephone directory)




While short-term home care is usually provided
by certified home health agencies such as the
VNA and covered by health insurance after a
stay in the hospital, many seniors also need
ongoing home care for chronic problems.

Aging Services Access Points (ASAPs)
There are 27 ASAPs covering all cities and
towns in Massachusetts. The ASAPs are
private, not-for-profit eldercare agencies that
administer most home care programs offered in
Massachusetts. If you are unable to carry out
any of your activities of daily living such as
bathing, cooking, dressing, shopping, etc., you
should call your local ASAP to see if you are
eligible for services. If eligible, most of the cost
for these services will be paid by the
state/federal government, you may be asked to
make a small monthly co-pay.

Bay Path Elder Services          508-872-1866
Ashland, Dover, Framingham, Holliston,
Hopkinton, Hudson, Marlborough, Natick, North-
borough, Sherborn, Southborough, Sudbury,
Wayland, Westborough

Boston Senior Home Care 617-451-6400
Charlestown, East Boston, South Boston, North
End, West End, Beacon Hill, Downtown,
Chinatown, North Dorchester, East Mattapan

Bristol Elder Services           508-675-2101
Attleboro, Berkley, Dighton, Fall River, Freetown,
Mansfield, North Attleboro, Norton, Raynham,
Rehoboth, Seekonk, Somerset, Swansea, Taunton,



Central Boston Elder Services 617-277-7416
Allston, Brighton, Back Bay, South End, Roxbury,
Dorchester, Jamaica Plain, Fenway, Mission Hill

Chelsea-Revere-Winthrop Elder Services
Chelsea, Revere, Winthrop   617-884-2500

Coastline Elderly Services         508-999-6400
Acushnet, Dartmouth, Fairhaven, Gosnold, Marion,
Mattapoisett, New Bedford, Rochester

Elder Services of Berkshire County
Adams, Alford, Becket, Cheshire, Clarksburg,
Dalton, Egremont, Florida, Great Barrington, Han-
cock, Hinsdale, Lanesboro, Lee, Lenox, Monterey,
Mount Washington, New Ashford, New Marlboro,
North Adams, Otis, Peru, Pittsfield, Richmond,
Sandisfield, Savoy, Sheffield, Stockbridge, Tyring-
ham, Washington, West Stockbridge, Williamstown,
Elder Services of Cape Cod & the Islands
Barnstable, Bourne, Brewster, Chatham, Chilmark,
Dennis, Eastham, Edgartown, Falmouth, Gay
Head, Harwich, Mashpee, Nantucket, Oak Bluffs,
Orleans, Provincetown, Sandwich, Tisbury, Truro,
Wellfleet, West Tisbury, Yarmouth
Elder Services of Merrimack Valley
Amesbury, Andover, Billerica, Boxford, Chelms-
ford, Dracut, Dunstable, Georgetown, Groveland,
Haverhill, Lawrence, Lowell, Merrimac, Methuen,
Newbury, Newburyport, North Andover, Row ley,
Salisbury, Tewksbury, Tyngsboro, Westford, West




Elder Services of Worcester         508-756-1545
Auburn, Barre, Boylston, Grafton, Hardwick,
Holden, Leicester, Millbury, New Braintree,
Oakham, Paxton, Rutland, Shrewsbury, West
Boylston, Worcester

Ethos                               617-522-6700
Hyde Park, Jamaica Plain, Mattapan, Roslindale,
West Roxbury

Franklin County Home Care 413-773-5555
Ashfield, Athol, Bernardston, Buckland, Charle-
mont, Colrain, Conway, Deerfield, Erving, Gill,
Greenfield, Hawley, Heath, Leverett, Leyden,
Monroe, Montague, New Salem, Northfield,
Orange, Petersham, Phillipston, Rowe, Royalston,
Shelburne, Shutesbury, Sunderland, Warwick,
Wendell, Whatley

Greater Lynn Senior Services        781-599-0110
Lynn, Lynnfield, Nahant, Saugus, Swampscott

Greater Springfield Senior Services
Agawam, Brimfield, East Longmeadow, Hampden,
Holland, Longmeadow, Monson, Palmer, Spring-
field, Wales, West Springfield, Wilbraham

HESSCO                             781-784-4944
Canton, Dedham, Foxboro, Medfield, Millis,
Norfolk, Norwood, Plainville, Sharon, Walpole,
Westwood, Wrentham




Highland Valley Elder Svcs          413-586-2000
Amherst, Blandford, Chester, Chesterfield, Cum-
mington, Easthampton, Goshen, Grandville, Hadley
Hatfield, Huntington, Middlefield, Montgomery,
Northampton, Pelham, Plainfield, Russell,
Southampton, Southwick, Tolland, Westfield,
Westhampton, Williamsburg, Worthington

Minuteman Senior Services          781-272-7177
Acton, Arlington, Bedford, Boxboro, Burlington,
Carlisle, Concord, Lexington, Lincoln, Littleton,
Maynard, Stow, Wilmington, Winchester, Woburn

Montachusett Home Care              978-537-7411
Ashburnham, Ashby, Ayer, Berlin, Bolton, Clinton,
Fitchburg, Gardner, Groton, Hubbardston, Lan-
caster, Leominster, Lunenburg, Pepperell, Prince-
ton, Shirley, Sterling, Templeton, Townsend,
Westminster, Winchendon

Mystic Valley Elder Services 781-324-7705
Everett, Malden, Medford, Melrose, North Reading,
Reading, Stoneham, Wakefield

North Shore Elder Services         978-750-4540
Danvers, Marblehead, Middleton, Peabody, Salem

Old Colony Elder Services           508-584-1561
Abington, Avon, Bridgewater, Brockton, Carver,
Duxbury, East Bridgewater, Easton, Halifax,
Hanover, Hanson, Kingston, Lakeville, Marshfield,
Middleboro, Pembroke, Plymouth, Plympton,
Rockland, Stoughton, Wareham, West Bridgewater,
SeniorCare, Inc.                    978-281-1750
Beverly, Essex, Gloucester, Hamilton, Ipswich,
Manchester, Rockport, Topsfield, Wenham



Somerville-Cambridge Elder Services
Cambridge, Somerville        617-628-2601

South Shore Elder Services         781-848-3910
Braintree, Cohasset, Hingham, Holbrook, Hull,
Milton, Norwell, Quincy, Randolph, Scituate,

Springwell                          617-926-4100
Belmont, Brookline, Needham, Newton, Waltham,
Watertown, Wellesley, Weston

Tri-Valley Elder Services          508-949-6640
Bellingham, Blackstone, Brookfield, Charlton,
Douglas, Dudley, East Brookfield, Franklin,
Hopedale, Medway, Mendon, Milford, Millville,
Northbridge, North Brookfield, Oxford,
Southbridge, Spencer, Sturbridge, Sutton, Upton,
Uxbridge, Warren Webster, West Brookfield

WestMass ElderCare                 413-538-9020
Belchertown, Chicopee, Granby, Holyoke, Ludlow,
South Hadley, Ware




Medicare Part D
In just the past few years Medicare enrollees
have gained access to prescription coverage
either through their Medicare Advantage Plan
(HMO) or by enrolling in a ‘Medicare D’ plan.
For the first time in the history of Medicare
these new benefits would not be provided
directly by Medicare like Parts A and B, but
would instead be provided by private health
insurance plans. As a result, there are dozens
of plans available with varying costs for
premiums, deductibles, co-insurance, etc., as
well as large differences in what drugs each plan
covers. It is essential that Medicare enrollees
get assistance in comparing these plans and
their costs. Call MassMedline at 866-633-1617.
Extra Help Benefit
Social Security offers eligible persons ‘extra
help’ towards the cost of prescriptions when
enrolled in the Medicare D program. In 2008,
your annual income had to be at or below
$15,600 for an individual or $21,000 for a
married couple living together. Assets must be
$11,990 or less for an individual and $23,970
for a couple. Apply at your local Social Security
office. (see Blue Pages in telephone directory)
Prescription Advantage
Prescription Advantage is a state-funded drug
assistance program for non-MassHealth
beneficiaries. It helps qualified members with
Medicare D plans pay premiums, deductibles
and co-pays.



       MEDICATIONS (continued)

An eligible person must be age 65 and over and
not have gross household income above 500%
of Federal Poverty Level, as well as meet other
requirements. For information or application
call 800-243-4636.
Partnership for Prescription Assistance
The Partnership for Prescription Assistance is
for needy persons who lack prescription
coverage get the medicines they need through
pharmaceutical companies. Call MassMedline at
866-633-1617 for information and help.
The MassMedline is a free, confidential service
offered by the Mass School of Pharmacy. They
can assist with information about your medi-
cations including side effects, etc. as well as
help you access medication programs.



            RENTAL HOUSING

Public Housing for Elderly
Public Housing developments are apartments
that are built and subsidized by either the state
or federal government and are managed by
local Housing Authorities. To live in state
assisted elderly public housing, you must be at
least 60 years old. To live in federally funded
elderly housing, you must be at least 62 years
old. Income guidelines vary from year to year
and region to region; ask your local housing
authority the income qualification for your area.
Most persons in public housing pay 30% of
income for rent. (Find Housing Authority in
the telephone Blue Pages under ‘city’)

Housing Choice Voucher Program (HCVP)
Rental assistance is also available to help low-
income persons rent apartments on the private
market. The Section 8 Housing Choice
Voucher Program is a federal program that
makes funds available through the local housing
authority or a regional housing agency.* Eli-
gibility is based on gross income. 75% of all
households selected to receive Section 8 must
have incomes within 30% of the area median
income; 25% of Section 8 house-holds can have
incomes up to 50% of median. Section 8
recipients generally pay between 30 and 40
percent of their income for rent. Section 8 pays
the difference to the landlord.

*see list below



     RENTAL HOUSING (continued)

Massachusetts Rental Voucher Program
The Massachusetts Rental Voucher Program is
administered through a regional housing
agency.* The program is funded annually by
the state legislature. There are ‘mobile’
vouchers which may be used anywhere in the
state and ‘project-based’ vouchers restricted to
specific housing. Income may be no more than
200% of the federal poverty level. The wait list
for these vouchers is usually closed.

*Regional Housing Agencies

Berkshire Housing Development Corp
74 North Street, Pittsfield  413-499-1630
Community Teamwork, Inc.
167 Dutton Street, Lowell    978-459-0551
Franklin County Housing & Redevelop.
42 Canal Road, Turners Falls 413-863-9781
Housing Assistance Corporation
460 W. Main Street, Hyannis 508-771-5400
Metropolitan Boston Housing Partnership
125 Lincoln Street, Boston   617-425-6700
RCAP Solutions, Inc.
205 School Street, Gardner 978-630-6600
South Middlesex Opportunity Council
300 Howard St, Framingham 508-620-2675
South Shore Housing Development Corp
169 Summer St, Kingston      781-422-4200



     RENTAL HOUSING (continued)
Congregate Housing
Congregate Housing is state-subsidized rental
housing with shared services. Each resident
has a private room but shares one or more of
the following: kitchen, dining or bathing space.
Congregate housing offers no medical services
nor supervision of residents. A service
coordinator assists in obtaining needed
community services and oversees the carrying
out of residents’ job responsibilities. Eligibility
includes age 60+, low income, be able to live in
shared environment, etc.
The following agencies manage one or
more congregate units in the community:
Amherst Council on Aging        413-256-4057
Barnstable Housing Authority 508-771-7222
Bay Path Elder Services         508-872-1866
Berkshire County Elder Svcs 413-499-0524
Beverly Housing Authority       978-921-2425
Bristol Elder Services          508-675-2101
Brockton Housing Authority 508-588-6880
Cape Cod/Islands Elder Svcs 508-394-4630
Chatham Housing Authority 508-945-0478
Coastline Elderly Services      508-999-6400
Franklin County Home Care 413-773-5555
Greater Lynn Senior Svcs        781-599-0110
Greater Springfield Senior      413-781-8800
Hamilton Housing Authority 978-468-3981
Kit Clark Senior Services       617-825-5000
Merrimack Valley Elderly        800-892-0890
Millbury Housing Authority 508-865-2660
Montachusett Home Care          978-537-7411



    RENTAL HOUSING (continued)

New Communities             617-547-3543
North Shore Elder Services 978-750-4540
Old Colony Elder Services   800-242-0246
Congregate Housing (continued)
Peabody Council on Aging 978-531-2254
South Shore Elder Services 781-848-3910
Springwell                  617-926-4100
Tri-Valley Elder Services   508-949-6640
VNA of Central Mass         888-663-3688
Wakefield Housing Authority 781-245-7328
WestMass ElderCare          800-462-2301
Worcester Elder Services    508-756-1545




The Home Equity Conversion Mortgage
(HECM) is FHA’s reverse mortgage program
which enables you to withdraw some of the
equity in your home. Unlike ordinary home
equity loans, a FHA reverse mortgage HECM
does not require repayment as long as the home
is your principal residence. Lenders recover
their principal, plus interest, when the home is
sold. The remaining value of the home goes to
you or your heirs.

The amount you can borrow depends on your
age, the current interest rate, other loan fees,
and the appraised value of your home or FHA’
HECM mortgage limit for your area, whichever
is less.

It is important to speak with a counselor who is
knowledgeable about the program’s eligibility
requirements, financial implications and

The following reverse mortgage counseling
programs have been approved by the Executive
Office of Elder Affairs as of 9/23/2008:



  REVERSE MORTGAGE (continued)

Homeowner Options for Massachusetts
Elders (HOME)
617-451-0680 or 800-583-5337
Money Management International
Quincy Community Action Programs, Inc.
Plymouth Redevelopment Authority
Community Service Network, Inc.
781-438-1977 (Stoneham)
Housing Assistance Corporation of Cape
Cod & Islands
Catholic Social Services – Fall River



                 TAX CREDIT

The ‘circuit breaker credit’ is a real estate tax
credit for eligible persons 65 and older.

Certain taxpayers age 65 or older may be
eligible to claim a refundable credit on their
state income taxes for the real estate taxes paid
during the tax year on the residential property
they own or rent in Massachusetts that is used
as their principal residence.

For the tax year 2008, the maximum credit
allowed by both renters and homeowners is

In addition to meeting the above requirements,
the taxpayer’s total income cannot exceed
$49,000 for a single filer who is not head of the
household, $62,000 for a head of household or
$74,000 for taxpayers filing jointly and for
homeowners the assessed value of the home
cannot exceed $793,000.

There are many other conditions that must be
met to be eligible so it is important to speak
with your accountant or Massachusetts
Department of Revenue.




Aging Services Access Points (ASAPs)
The ASAPs may be able to provide
transportation to persons needing life-savings
treatment such as dialysis, radiation or chemo-
therapy if all eligibility is met for state funded
home care. Also, seniors receiving other state
home care services and not eligible for
MassHealth, may also be provided with
transportation to the doctor. (see pages 28+ )

MassHealth, the government subsidized health
insurance for low income persons, provides
transportation for medical visits upon certifi-
cation from the doctor that the patient is
unable to travel any other way.

MBTA Reduced Fares for Seniors
Seniors (65+) can ride local buses for $0.40,
inner express buses for $1.40 and outer ex-
press buses for $2.00. Seniors can also ride the
MBTA subway service for $0.60 and commuter
rail or boat services for 50% off the regular full
fare. In addition, seniors can purchase a
monthly pass (good for unlimited travel on
local bus and subway) for $20. Discounted
rides and passes require a Senior CharlieCard
available at the Senior & Access Pass Office
located at Back Bay station or the Senior/TAP
ID center at downtown crossing.



    TRANSPORTATION (continued)

Regional Transit Authorities
Regional Transit Authorities provide rides for
medical (and social) appointments for those
deemed to be disabled. A senior must
complete one part of the application and their
doctor must complete the other certifying that
the person is unable to use regular public
transportation. The cost for the ride is nominal.
The following is a list of Regional Transit

Boston                         617-222-5123
Brockton                       508-584-5530
Edgartown                      508-693-9440
Fitchburg                      978-345-7711
Framingham                     508-626-9405
Gloucester                     978-283-7916
Greenfield                     413-773-8090
Haverhill                      978-469-6878
Hyannis                        800-352-7155
Lowell                         978-452-6161
Nantucket                      508-228-7025
New Bedford                    508-997-6767
Northampton                    413-586-3336
Pittsfield                     413-499-2782
Springfield                    413-732-6248
Taunton                        508-385-8326
Worcester                      508-7919782



     TRANSPORTATION (continued)

Councils on Aging
Councils on Aging in many cities and towns
provide medical and shopping transportation at
no cost. Some municipalities also provide
discounted taxi coupons.
Abington                      781-982-2145
Acton                         978-264-9643
Acushnet                      508-998-0280
Adams                         413-743-8333
Agawam                        413-789-3838
Alford                        413-528-9238
Amesbury                      978-388-8138
Amherst                       413-259-3114
Andover                       978-623-8321
Arlington                     781-316-3401
Ashburnham                    978-827-5000
Ashby                         978-386-7700
Ashland                       508-881-0140
Athol                         978-249-8986
Attleboto                     508-223-2235
Auburn                        508-832-7799
Avon                          508-559-0060
Ayer                          978-772-8260
Barnstable                    508-862-4759
Barre                         978-355-5004
Becket                        413-623-8934
Bedford                       781-275-6825
Belch ertown                  413-323-0420
Bellingham                    508-966-0398
Belmont                       617-484-5501
Berkley                       508-822-3431
Berlin                        978-838-2500
Bernardston                   413-648-5413
Beverly                       978-921-6017
Billerica                     978-671-0916
Blackstone                    508-876-5134
Blandford                     413-848-2235
Bolton                        978-779-3308
Boston                        617-635-4366
Bourne                        508-759-0654


     TRANSPORTATION (continued)
Boxboro               978-263-1116
Boxford               978-887-3591
Boylston              508-869-6022
Braintree             781-848-1963
Brewster              508-896-2737
Bridgewater           508-697-0929
Brimfield             413-245-7253
Bro ckton             508-580-7811
Brookfield            508-867-6043
Brookline             617-730-2777
Burlington            781-270-1950
Cambridge             617-349-6220
Canton                781-828-1323
Carlisle              978-371-2895
Carver                508-866-4698
Charlemont            413-339-6658
Charlton              508-248-2231
Chatham               508-945-5190
Chelmsford            978-251-0533
Chelsea               617-889-2520
Cheshire              413-743-9719
Chester               413-354-9655
Chesterfield          413-296-4007
Chicopee              413-534-3698
Clarksburg            413-663-8253
Clinton               978-365-9416
Cohasset              781-383-9112
Con cord              978-318-3020
Conway                413-369-4284
Cummington            413-634-5520
Dalton                413-684-2000
Danvers               978-762-0208
Dartmouth             508-999-4717
Dedham                781-326-1650
Deerfield             413-665-2141
Dennis                508-385-5067
Dighton               508-823-0095
Douglas               508-476-2283
Dover                 508-785-0032
Dracut                978-957-2611
Dudley                508-949-8010
Dunstable             978-649-4514


     TRANSPORTATION (continued)

Duxbury                 781-934-5774
E. Bridgewater          508-378-1610
E. Brookfield           508-885-5205
E. Longmeadow           413-525-5439
Eastham                 508-255-6164
Eastampton              413-529-1475
Easton                  508-230-0544
Edgartown               508-627-4368
Egremont                413-528-0182
Erving                  413-423-3308
Essex                   978-768-7932
Everett                 617-394-2260
Fairh aven              508-979-4029
Fall River              508-324-2401
Falmouth                508-540-0196
Fitchburg               978-345-9598
Florida                 413-662-2811
Foxboro                 508-543-1252
Framingham              508-620-4819
Franklin                508-520-4945
Freetown                508-763-9557
Gardner                 978-630-4067
Georgetown              978-352-5726
Gloucester              978-281-9765
Goshen                  413-268-7122
Grafton                 508-839-9242
Granby                  413-467-3239
Granville               413-357-8813
Great Barrington        413-528-1881
Greenfield              413-772-1517
Groton                  978-448-1170
Groveland               978-372-1101
Hadley                  413-586-4023
Halifax                 781-293-7313
Hamilton                978-468-5595
Hampden                 413-566-5588
Han co ck               413-738-5225
Hanover                 781-878-6361
Hanson                  781-293-2683
Harvard                 978-456-4120
Harwich                 508-430-7550
Hatfield                413-247-9003


    TRANSPORTATION (continued)

Haverhill            978-374-2388
Hawley               413-339-5753
Heath                413-337-5728
Hingham              781-741-1458
Hinsdale             413-655-2652
Holbrook             781-767-4617
Holden               508-829-0270
Holland              413-245-7108
Holliston            508-429-0622
Holyoke              413-322-5625
Hopedale             508-473-6189
Hopkinton            508-497-9730
Hubbardston          978-928-5294
Hudson               978-568-9638
Hull                 781-925-1239
Huntington           413-667-3459
Ipswich              978-356-6650
Kingston             781-585-0511
Lakeville            508-947-7224
Lan caster           978-368-4355
Lanesboro            413-448-2682
Lawren ce            978-794-5883
Lee                  413-243-5545
Leicester            508-892-7016
Lenox                413-637-5530
Leominster           978-534-7511
Lexington            781-861-0194
Leyden               413-624-5512
Lin coln             781-259-8811
Littleton            978-952-2362
Longmeadow           413-565-4150
Lowell               978-970-4131
Ludlow               413-583-3564
Lunenburg            978-582-4166
Lynn                 781-599-0110
Lynnfield            781-598-1078
Malden               781-397-7144
Man chester          978-526-7500
Mansfield            508-261-7368
Marbleh ead          781-631-6737
Marion               508-748-3570
Marlboro             508-485-6492


     TRANSPORTATION (continued)

Marshfield              781-834-5581
Mashpee                 508-539-1440
Mattapoisett            508-758-4110
Maynard                 978-897-1009
Medfield                508-359-3665
Medford                 781-396-6010
Medway                  508-533-3210
Melrose                 781-665-4304
Mendon                  508-478-6175
Merrimac                978-346-9549
Methuen                 978-983-8825
Middleboro              508-946-2490
Middlefield             413-623-5406
Middleton               978-777-4067
Milford                 508-473-8334
Millbury                508-865-9154
Millis                  508-376-7051
Millville               508-883-3523
Milton                  617-698-4893
Monson                  413-267-4121
Monterey                413-528-1443
Montgomery              413-862-4482
Mt. Washington          413-528-2839
Nahant                  781-581-7557
Nantucket               508-228-4490
Natick                  508-647-6540
Needham                 781-455-7555
New Bedford             508-991-6250
New Braintree           413-477-8772
New Salem               978-544-2288
Newbury                 978-462-8114
Newburyport             978-462-8650
Newton                  617-796-1671
Norfolk                 508-528-4430
North Adams             413-662-3125
North Andover           978-688-9560
North Attleboro         508-699-0131
North Brookfield        508-867-0220
North Reading           978-664-5600
Northampton             413-587-1231
Northboro               508-393-5035
Northbridge             508-234-2002


     TRANSPORTATION (continued)

Northfield            413-498-2901
Norton                508-285-0235
Norwell               781-659-7878
Norwood               781-762-1201
Oak Bluffs            508-693-4509
Oakham                508-882-5251
Orange                978-544-1113
Orleans               508-255-6333
Otis                  413-269-6318
Oxford                508-987-6000
Palmer                413-283-2670
Paxton                508-756-2833
Peabody               978-531-2254
Pembroke              781-294-8220
Pepperell             978-433-0326
Petersham             978-724-3276
Phillipston           978-249-3164
Pittsfield            413-499-9346
Plainfield            413-634-5498
Plainville            508-699-7384
Plymouth              508-830-4230
Plympton              781-585-5208
Prin ceton            978-464-5977
Provin cetown         508-487-7080
Quincy                617-376-1245
Randolph              781-961-0930
Raynham               508-824-2740
Reading               781-942-6658
Rehoboth              508-252-3372
Revere                781-286-8155
Richmond              413-698-3319
Ro chester            508-763-8723
Ro ckland             781-871-1266
Ro ckport             978-546-2573
Rowe                  413-339-5520
Rowley                978-948-7637
Russell               413-862-3265
Rutland               508-886-7945
Salem                 978-744-0924
Salisbury             978-462-2412
Sandisfield           413-258-4407
Sandwich              508-888-4737


     TRANSPORTATION (continued)

Saugus                781-231-4178
Savoy                 413-743-4290
Scituate              781-545-8722
Seekonk               508-336-8772
Sharon                781-784-8000
Sheffield             413-229-7022
Shelburne             413-625-2502
Sherborn              508-651-7858
Shirley               978-630-2650
Shrewsbury            508-841-8640
Somerset              508-646-2833
Somerville            617-625-6600
South Hadley          413-538-5042
Southampton           413-529-2105
Southboro             508-229-4453
Southbridge           508-764-5436
Southwick             413-569-5498
Spen cer              508-885-7546
Springfield           413-787-6124
Sterling              978-422-3032
Sto ckbridge          413-298-3118
Stoneham              781-438-1157
Stoughton             781-344-8882
Stow                  978-897-1880
Sturbridge            508-347-7575
Sudbury               978-443-3055
Sutton                508-234-0703
Swampscott            781-596-8866
Swansea               508-676-1831
Taunton               508-821-1425
Templeton             978-632-4592
Tewksbury             978-640-4482
Tisbury               508-696-4205
Tolland               413-258-3336
Topsfield             978-887-1523
Townsend              978-597-1710
Truro                 508-487-2462
Tyngsboro             978-649-9211
Tyringham             413-243-3121
Upton                 508-529-4558
Uxbridge              508-278-8622
Wakefield             781-245-3312


     TRANSPORTATION (continued)

Wales                     413-245-9683
Walpole                   508-668-3330
Waltham                   781-314-3497
Warren                    413-436-5662
Warwick                   978-544-6315
Washington                413-655-0232
Watertown                 617-972-6490
Wayland                   508-358-2990
Webster                   508-949-3845
Wellesley                 781-235-3961
Wellfleet                 508-349-2800
Wendell                   978-544-2020
Wenham                    978-468-5529
West Boylston             508-835-6916
West Bridgew ater         508-894-1262
West Brookfield           508-867-1407
West Newbury              978-363-1104
West Springfield          413-263-3264
West Sto ckb ridge        413-232-4317
West Tisbury              508-693-2896
Westboro                  508-366-3000
Westfield                 413-562-9624
Westford                  978-692-5523
Westhampton               413-527-0142
Westminster               978-874-7402
Weston                    781-893-0154
Westport                  508-636-1026
Westwood                  781-329-8799
Weymouth                  781-682-6140
Whitman                   781-447-7619
Wilbraham                 413-596-8379
Williamstown              413-458-8250
Wilmington                978-657-7595
Winch endon               978-297-0415
Winch ester               781-721-7136
Windsor                   413-684-3882
Winthrop                  617-846-8538
Woburn                    781-937-7899
Worcester                 508-799-1232
Worthington               413-238-6584
Wrentham                  508-384-5425
Yarmouth                  508-394-7606


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