Financial Health & Wellness
Financial Counseling & Coaching
Whether you've had a foreclosure, want to buy a house, need to get out of debt, or are having a financial crisis, ESOP's Financial Empowerment Coaches can help you set financial goals and make a plan to achieve them.
0% Interest Small Dollar Loan
Our small dollar loans give you the ability to take a small personal loan for your most important expenses without needing to turn to payday lenders.
Benefits Assessments & Application Assistance
The Benefits Enrollment Center can see if you qualify for the benefits available from more than 1,300 federal, state and local programs like help with utilities, food, transportation, housing assistance, and more.
Connecting Our Seniors to Technology
Our free computer classes can help older adults learn how to use the internet safely and confidently with the support of both technological and financial coaching.
Free Income Tax Preparation
We help individuals of all ages prepare their taxes and get their state and federal refunds free of charge. Spanish language services are available!
Matched Savings Program
The Matched Savings Program helps you build emergency savings together with the assistance of our Financial Empowerment Coaches! We will match $1 for $1 up to $500 after 12 months in the program and all of the program criteria have been met.
Medicare Part D Assistance
Our Medicare and Benefits Enrollment Center has helped thousands of Medicare beneficiaries and people age 55 and older in Northeast Ohio and beyond.
Senior Property Tax Loan
Our Senior Property Tax Loan Program provides loans to homeowners age 55 and older to help them pay delinquent property taxes and avoid foreclosure.
Resources
Keeping Your Older Loved One Safe from Grandparent Scams
It’s an old stereotype that grandparents will do almost anything for their grandchildren—including opening their wallets more often than they probably should. If they hear their grandchild is experiencing a crisis, their first response is likely to do whatever they can to help them. Unfortunately, fraudsters are taking advantage of this natural impulse to help with a type of scheme known as a “grandparent scam.”
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The Financial Fatigue of Caregiving: When Caring for a Loved One with Dementia
This informative webinar is for family and friend caregivers or supporters of persons with dementia. This webinar discusses the effects caregiving has on your finances, and how to effectively manage your finances while balancing multiple responsibilities. We cover how to have difficult conversations about taking on the financial role of caring for a loved one, estate planning and how to make sure your loved ones are protected against financial exploitation.
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The Impact of Cybercrimes on Mental Health in Older Adults
Cybercrimes have increased 20 percent since the onset of COVID-19 in 2020. Romance scams stole more than $139 million from older adults in 2020. According to a report by the Federal Trade Commission, that’s a 65 percent increase from 2019, when reported losses were nearly $84 million. While the monetary loss is staggering, it is often the devastating emotional toll that impacts the mental health of older adults, their families and those that care for them the most. This webinar will explore the topic of cybercrimes, why older adults are targets, the impact this trauma can have on an individual's mental health and ways to find help in the community.
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Benefits: You Gave, You Save
Navigating the maze of different benefits and trying to understand what you and your loved one may be eligible for can be a daunting task. Join us for an informative webinar that will outline benefits such as SNAP, Medicaid, Medicare Savings Program and the Low-Income Subsidy. We’ll walk through what the different requirements for these programs are and how to apply.
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The Caregiver's Guide to Estate Planning: How to Prepare for Yours and Your Loved One's Futures
When was the last time you and your loved one had a discussion about estate planning? If you’re like many people, it’s probably been a while. This webinar will discuss what important financial and medical documents are necessary in case of an emergency, and what to do in those situations. Having these items prepared and organized will not only protect your loved one, but as a caregiver it will give you peace of mind to know that everything is taken care of in advance.
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