Financial 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
The Financial Fatigue of Caregiving
Are you feeling the financial strain, or emotional and physical stress that comes along with caring for a loved one? This workshop will give you the tools needed to alleviate those stressors and help you to navigate your way around the additional expenses that caregivers endure.
Watch
What to Consider When Helping an Older Loved One Choose a Medicare Plan
With Medicare’s Annual Open Enrollment ongoing from October 15 to December 7, you may have already begun discussions with your loved one on the basics of Medicare, such as differences from Medicaid and what the different plans and options are. But before such an important decision is made, it’s important to go more in depth by preparing the right questions with your loved one to guide the conversation and exploring the different points of consideration that will help determine which plan is best for your loved one’s individual needs.
Read More
Helping a Loved One Navigate Medicare Open Enrollment
October 7 virtual program for caregivers from Benjamin Rose Institute on Aging.
Watch
What to Know for Medicare Open Enrollment
Every year, Medicare’s Open Enrollment period runs from October 15 to December 7. As a caregiver, you undoubtedly know how important insurance coverage is to securing your loved one the affordable care they need when they need it. What can be less certain, however, is knowing which exact program and options your loved one is qualified for and would most benefit from. As much as you want to help them through the process of enrolling in Medicare, you may be struggling to understand it yourself. The good news is that by learning the various benefits covered by different plans, you can put yourself in a better position to care for your loved one’s health needs and find the right plan for them.
Read More
Financial Options for Renters and Homeowners Impacted by COVID-19
Every emergency requires a nuanced response, and the impacts of this pandemic, both short-term and long-term, are difficult to anticipate with certainty at this time. However, history demonstrates time and again that those that are most vulnerable even in times of economic and social stability generally suffer the greatest in times of turmoil. For those of us who are struggling to make our mortgage and rental payments, there are resources and up-to-date information available to help.
Read More