The short answer is yes, Subway accepts EBT, but only in specific states and under strict conditions. This option is not available to every SNAP recipient. You must generally be enrolled in a state-run initiative called the Restaurant Meals Program (RMP).

Most Electronic Benefit Transfer (EBT) cards are restricted to grocery purchases for home preparation. However, federal regulations allow states to create exceptions for elderly, homeless, and disabled individuals who cannot cook for themselves. If you do not meet these specific criteria or live in a participating state, your card will likely be declined at the register.

Key Takeaways

• Conditional Acceptance: Subway only accepts EBT in states with a Restaurant Meals Program (RMP).
• Limited Eligibility: You must usually be elderly (60+), disabled, or homeless to qualify.
• Participating States: Primary states include CA, AZ, RI, IL, VA, MI, and MD.
• Store Discretion: Individual franchise owners decide whether to participate, so acceptance varies by location.
• In-Store Only: You generally cannot use EBT for Subway orders placed through delivery apps like DoorDash or Uber Eats.

Understanding Does Subway Take EBT and How It Works

The Restaurant Meals Program (RMP) is the federal authority that allows fast-food chains like Subway to accept food stamps. Without this program, restaurants are prohibited from accepting SNAP benefits because hot, prepared food typically falls outside the guidelines of the Food and Nutrition Act.

Participation requires a three-way agreement between the federal government, the state government, and the individual franchise owner. Because Subway locations are independently owned, even a store in a participating state might choose not to accept EBT. You should always look for the "Restaurant Meals Program" decal in the window or ask the cashier before ordering.

Who Is Eligible for the Restaurant Meals Program?

Simply having an EBT card does not automatically qualify you to buy a sandwich at Subway. In most states with an active RMP, your EBT card must be specially coded to allow restaurant transactions.

According to federal guidelines, you generally qualify if your household meets one of the following criteria:

• Elderly: You are age 60 or older.
• Disabled: You receive disability benefits or disability retirement payments from a government agency.
• Homeless: You lack a fixed and regular nighttime residence.
• Spouse: You are the spouse of an eligible elderly or disabled individual.

States Where Subway Accepts EBT

Currently, only a handful of states operate the Restaurant Meals Program. If you live outside these areas, Subway cannot legally accept your EBT card for payment.

The following states have active programs with participating Subway locations:

• Arizona: The program is widely available here. The des.az.gov oversees a large network of participating fast-food chains, including many Subway franchises in cities like Phoenix and Tucson.
• California: This state operates the largest RMP in the country. Eligible residents can use their Golden State Advantage cards at participating Subways in counties like Los Angeles, San Diego, and Riverside. The cdss.ca.gov manages this extensive network.
• Rhode Island: This state runs a targeted program specifically for the elderly, disabled, and homeless. Participation includes specific Subway locations in urban centers like Providence.
• Illinois: Illinois operates a pilot program concentrated primarily in Cook County (Chicago area) and Franklin County. You must be in these specific zones to use your benefits at a restaurant.
• Virginia: The state recently launched its version of the program. The dss.virginia.gov lists participating Subway restaurants in areas like Newport News and Portsmouth.
• Michigan: Certain Subway locations participate in this state's program, which is designed to assist elderly and disabled residents.
• Maryland: A limited number of Subway locations participate, primarily in specific counties or cities participating in the state's pilot.

State Participation Overview

What You Can Buy with EBT at Subway

If you are eligible and at a participating location, the rules for what you can buy are relatively broad. The program allows for the purchase of "prepared meals," which lifts the usual ban on hot foods.

Eligible items typically include:

• Hot toasted subs (e.g., Meatball Marinara, Steak & Cheese).
• Cold sandwiches and salads.
• Fountain drinks and bottled water.
• Sides like chips, cookies, and apples.

Ineligible items include:

• Non-food items.
• Alcoholic beverages (though rarely sold at Subway).
• Tips or gratuity (these cannot be paid with SNAP benefits).

The Gas Station Exception

There is a common point of confusion regarding Subways located inside gas stations or convenience stores.

If the Subway register is separate from the gas station, it is classified as a "restaurant" and follows the strict rules above. However, if you pay for a cold sub at the main gas station counter, the transaction might be processed as a grocery purchase.

This is rare and depends entirely on how the merchant is categorized by their credit card processor. In general, you should assume that a standalone Subway will decline your card unless you are in an RMP state.

Frequently Asked Questions

The Washington disaster relief program is not a single fund but a tiered system involving multiple agencies. It starts with local resources, escalates to state intervention, and finally requests federal support if the damage is widespread. Understanding this hierarchy is essential for knowing where to apply first.

State programs typically activate faster than federal options. The Disaster Cash Assistance Program (DCAP) serves as a financial bridge during the immediate aftermath of a crisis. Federal aid from FEMA is not automatic; it requires a specific "Major Disaster Declaration" from the President to become available.

Key Takeaways

• Tiered Activation: Relief often starts with the state-funded Disaster Cash Assistance Program (DCAP) during a Governor's emergency declaration, whereas FEMA aid requires a Presidential declaration.
• SBA is for Residents: The Small Business Administration (SBA) acts as the primary lender for homeowners and renters, offering up to $500,000 for home repairs and $100,000 for personal property.
• Grant Limits: FEMA grants are capped at approximately $43,600 for housing and $43,600 for other needs, serving as a supplement rather than full replacement.
• Cash for Families: Qualifying families can access up to $2,000 in Diversion Cash Assistance (DCA) to resolve immediate crises like eviction or car repairs.
• Strict Sequence: You must generally file insurance claims and complete an SBA loan application (if referred) before being considered for certain FEMA grants.

Disaster Cash Assistance Program (DCAP)

When the Governor declares a state of emergency—such as the declaration issued for the December 2025 flooding events—the Department of Social and Health Services (DSHS) may activate DCAP. This program provides cash grants to individuals and families who are not eligible for other ongoing welfare programs. It acts as a safety net for working families who suddenly lose their income or housing due to a disaster.

Eligibility Rules

To qualify for this state-funded aid, applicants must meet specific "disaster loss" requirements rather than just standard poverty guidelines.

• Residency: You must have lived in the declared disaster county at the time of the event.
• Demonstrable Loss: You must prove a loss of income or property directly caused by the disaster.
• Displacement: In many cases, you must be unable to return to your primary home, though this rule can be waived during public health emergencies.
• Exclusion: You cannot currently be receiving Temporary Assistance for Needy Families (TANF).

How Benefits Are Calculated

DSHS uses an "income-minus-loss" formula to determine your grant. Caseworkers take your household's net income and subtract your unreimbursed disaster-related expenses. If the disaster has cost you more than you earned that month, you may qualify for the maximum benefit. Payment standards are tiered by household size, ranging from approximately $417 for a single person to over $1,539 for large families.

Federal Individual Assistance: FEMA Caps

If a disaster exceeds Washington State's capacity, FEMA’s Individuals and Households Program (IHP) may activate. This program focuses on returning homes to a "safe, sanitary, and functional" condition. It is not designed to restore a property to its pre-disaster value or aesthetic.

Housing Assistance (HA)

Housing Assistance is 100% federally funded and prioritizes immediate shelter needs.

1. Rental Assistance: Funds to lease a temporary apartment or house while yours is unlivable.
2. Lodging Reimbursement: Payback for out-of-pocket hotel costs incurred immediately after evacuation.
3. Repair Grants: Money to fix structural components like roofs, windows, and foundations.

Other Needs Assistance (ONA)

FEMA also provides Other Needs Assistance for disaster-caused expenses not related to housing. Washington State shares the cost of these grants with the federal government.

• Transportation: Repairing or replacing a vehicle damaged by the disaster.
• Medical/Dental: Costs for injuries directly caused by the event.
• Personal Property: Replacement of essential furniture, appliances, and clothing.

Financial Limits: FEMA grants are subject to strict statutory caps. For Fiscal Year 2025, the maximum grant is approximately $43,600 for housing and a separate $43,600 for other needs.

SBA Disaster Loans for Homeowners and Renters

Many survivors overlook the Small Business Administration (SBA), assuming it only helps companies. In the disaster recovery ecosystem, the SBA is the primary source of long-term rebuilding capital for private households. While FEMA grants are limited, SBA loans provide the substantial funds needed for major reconstruction.

Loan Limits and Terms

The SBA offers low-interest disaster loans with deferred payment options to help survivors recover.

• Real Estate: Homeowners may borrow up to $500,000 to repair or restore their primary residence.
• Personal Property: Renters and homeowners can borrow up to $100,000 to replace belongings like clothes and furniture.
• Mitigation: Borrowers can increase their loan by 20% to fund safety upgrades, such as retaining walls or storm shelters.
• Interest Rates: For late 2025 declarations, rates for homeowners unable to obtain credit elsewhere are as low as 2.813%, with a 12-month deferment on payments.

The "SBA Referral" Requirement

You must complete an SBA application if FEMA refers you. This step is often a gateway to further grant assistance. If the SBA denies your loan due to an inability to repay, they will refer your file back to FEMA for potential Other Needs Assistance grants. Failing to apply can stop your aid process entirely.

Immediate Cash and Food Support

Washington maintains standing safety net programs that can be utilized during emergencies. These often provide faster access to funds than disaster-specific applications.

Diversion Cash Assistance (DCA)

Families who meet the income limits for TANF but only need temporary help can apply for Diversion Cash Assistance. As of January 1, 2025, this program provides a lump sum of up to $2,000 to address a specific crisis, such as car repairs or eviction prevention. By accepting DCA, you agree not to apply for monthly TANF benefits for one year.

Food Replacement Rules

If a power outage lasts more than four hours or a flood destroys your food, current Basic Food recipients can request replacement benefits. You must report the loss to DSHS within 10 days of the event. In severe events, the state may request D-SNAP (Disaster SNAP), which opens food benefits to households that normally earn too much to qualify.

Strategic Application Sequence

To maximize your recovery funds, follow the sequence mandated by federal law. Deviation from this order can lead to delays or denials due to "duplication of benefits."

1. File Insurance Claims: Private insurance is always the primary payer.
2. Apply via Washington Connection: Submit applications for state programs like DCAP and food replacement through ((https://www.washingtonconnection.org/)).
3. Register with FEMA: If federal aid is active, register immediately at DisasterAssistance.gov.
4. Complete SBA Forms: If referred, fill out the SBA loan package immediately to unlock all potential grant options.

Comparison of Key Assistance Programs

By utilizing these emergency management resources in the correct order, Washington residents can effectively layer state and federal funds to ensure a stable recovery.

Frequently Asked Questions

Yes, Save A Lot accepts Supplemental Nutrition Assistance Program (SNAP) benefits via Electronic Benefit Transfer (EBT) cards at all participating locations nationwide. As a hard-discount grocer, the chain plays a vital role in providing affordable nutrition to millions of families.

Shoppers can use their EBT cards for in-store purchases at the checkout register just like a standard debit card. Additionally, Save A Lot has modernized its operations to accept EBT payments for online delivery orders through specific third-party platforms.

Key Takeaways

• Universal Acceptance: All Save A Lot locations accept SNAP EBT for in-store purchases.
• Online Delivery: You can use EBT to pay for groceries via DoorDash and Uber Eats.
• WIC Limitations: WIC benefits are accepted in-store but are generally not eligible for online orders.
• Healthy Benefits: Many locations now accept supplemental health benefit cards (OTC cards) through partnerships with NationsBenefits.
• Refunds: Returns on EBT purchases are credited back to the card; cash refunds are prohibited.

Does Save A Lot Take EBT for In-Store and Online Orders?

The short answer is yes. Save A Lot is fully authorized by the USDA to accept SNAP benefits. This applies to both the physical point of sale and approved digital platforms.

For in-store shoppers, the process is straightforward. You simply swipe your EBT card at the terminal and enter your 4-digit PIN. The system automatically separates eligible food items from non-eligible items (like paper towels or soap), allowing you to pay for the remaining balance with cash, credit, or debit.

Ordering Save A Lot Online with EBT

Save A Lot does not have its own transactional e-commerce website for direct orders. Instead, it partners with third-party logistics providers to offer delivery.

• DoorDash: Save A Lot has fully integrated SNAP/EBT payments into the DoorDash marketplace. You can add your EBT card to the app, filter for eligible items, and pay securely.
• Uber Eats: Through a partnership with Forage, a payment processor specializing in government benefits, Save A Lot allows customers to use EBT on Uber Eats. This functionality includes secure PIN entry directly on your mobile device.

How to Use SNAP EBT on Delivery Apps

Using your benefits for delivery is slightly different than shopping in-store. You must ensure your card is linked correctly before you start building your cart.

Steps for DoorDash and Uber Eats:

1. Link Your Card: Go to the "Account" or "Payment Methods" section of the app and select "Add Card." Choose "SNAP/EBT" and enter your card details.
2. Filter Products: Toggle the "SNAP Eligible" filter to see only items that qualify for benefits.
3. Checkout: At the payment screen, select "Apply SNAP" and enter the amount you wish to spend.
4. Cover Fees: You must use a secondary payment method (credit/debit) to pay for delivery fees, service charges, and driver tips, as federal rules prohibit using SNAP funds for these costs.

Eligible Items: What You Can and Cannot Buy

Federal regulations dictate strictly what can be purchased with SNAP benefits. Save A Lot’s inventory is heavily focused on these eligible staples.

Eligible Foods:

• Fresh Produce: Fruits and vegetables.
• Proteins: Fresh meat, poultry, and fish.
• Dairy: Milk, cheese, yogurt, and eggs.
• Pantry Staples: Bread, cereal, rice, pasta, and canned goods.
• Seeds/Plants: Seeds and plants that produce food for the household.

Ineligible Items:

• Hot Food: Any food sold hot at the point of sale (e.g., rotisserie chickens).
• Non-Food Items: Pet food, cleaning supplies, paper products, and hygiene items.
• Supplements: Vitamins and medicines with a "Supplement Facts" label.
• Alcohol/Tobacco: Beer, wine, liquor, cigarettes, and tobacco.

For a complete list of approved categories, refer to the USDA SNAP eligible food items.

WIC and Healthy Benefit Cards

Beyond SNAP, Save A Lot accepts other forms of government and insurance-based assistance.

WIC (Women, Infants, and Children)

Save A Lot is an authorized WIC retailer. You can use WIC checks or EBT cards (eWIC) to purchase specific items like infant formula, milk, and cereal. However, unlike SNAP, WIC is currently an in-store only payment option at Save A Lot and cannot be used for delivery orders via DoorDash or Uber Eats.

Healthy Benefit (OTC) Cards

Many Medicare Advantage and Medicaid plans provide members with "Healthy Food" or "OTC" spending cards. Save A Lot has integrated with fintech providers to accept these payments.

• NationsBenefits: Save A Lot accepts NationsBenefits cards. This allows members to use their health plan allowance for fresh groceries.
• S3/Solutran: Many "Healthy Benefits Plus" cards run on the S3 network, which is accepted at the register for eligible healthy foods.

Competitor Comparison: EBT & Delivery

To understand how Save A Lot compares to other discount retailers regarding EBT access, review the table below.

Returns and Refunds for EBT Purchases

If you need to return an item purchased with SNAP benefits, the refund process is regulated by federal law.

• No Cash Refunds: You will never receive cash back for a return of a SNAP-purchased item.
• Credit to Card: The refund amount must be credited back to your EBT card balance.
• Exchanges: Direct exchanges for the same item (e.g., swapping a damaged loaf of bread for a fresh one) are typically allowed without a transaction refund.

If you are shopping online, refunds for missing or damaged items on DoorDash or Uber Eats will be automatically credited back to your digital EBT balance, usually within a few business days.

Frequently Asked Questions

The Supplemental Nutrition Assistance Program (SNAP) usually restricts purchases to foods intended for home preparation, but a vital exception exists for specific groups. The Restaurant Meals Program (RMP) allows eligible cardholders to use their benefits for hot, prepared food at participating eateries. This initiative helps individuals who may not have the resources or ability to store and cook their own meals.

Key Takeaways

• Who Qualifies: The program is restricted to elderly (60+), disabled, and homeless individuals, along with their spouses.
• Where it Works: Only available in Arizona, California, Illinois, Maryland, Massachusetts, Michigan, New York, Rhode Island, and Virginia.
• Texas Exception: Texas does not have a permanent RMP; it only allows hot food purchases during temporary disaster waivers.
• How to Identify: Look for the "Fork & Knife" logo or signage stating "EBT Accepted Here" at the restaurant entrance.
• No Extra Fees: Participating restaurants cannot charge sales tax or accept tips on EBT transactions.

Who Qualifies for the EBT Restaurant Meals Program?

Federal regulations for the EBT Restaurant Meals Program limit participation to three specific demographic groups who face barriers to cooking at home. You generally cannot apply for this program separately; your state agency automatically determines eligibility based on your SNAP case details.

To use your card at a restaurant, every member of your household must fall into one of these categories (or be the spouse of someone who does):

• Elderly: Individuals aged 60 or older.
• Disabled: People receiving federal disability benefits (like SSI/SSDI) or disability retirement benefits for a permanent condition.
• Homeless: Individuals who lack a fixed, regular nighttime residence. This includes people living in shelters, halfway houses, or temporary accommodations for less than 90 days.

If you live in a household where one person is an able-bodied adult under 60 and another is elderly, the household might not qualify depending on your state's specific rules.

Participating States and Local Rules

The RMP is not a nationwide benefit. States must opt-in and sign contracts with individual restaurants. As of now, only nine states operate this program, each with different rules and restaurant options.

Arizona

Arizona operates one of the most extensive programs in the country. The RMP has authorized a vast network of fast-food chains and local eateries statewide. You can frequently use benefits at major chains like McDonald’s, Subway, Burger King, and Jack in the Box across the state.

California

California's program, known as CalFresh RMP, is massive but historically operated on a county-by-county basis. While transitioning to a statewide model, it is most active in major population centers like Los Angeles, San Diego, San Francisco, and Sacramento. Participating locations display a distinctive "Fork & Knife" decal in their windows.

Illinois

Illinois launched its program in Cook County (Chicago area) and Franklin County before expanding. A unique feature of the Illinois model is that participating restaurants are often required to offer a discount on meals to SNAP customers. The network includes local favorites in Chicago neighborhoods as well as select fast-food locations.

Massachusetts and Michigan

These states have tailored their programs to specific needs.

• Massachusetts: Innovates by allowing food trucks to participate, bringing hot meals directly to underserved communities.
• Michigan: Focuses on sit-down restaurants. To participate, a restaurant generally must offer seating, which excludes many carry-out-only establishments.

Other Participating States

• Maryland: Operates a pilot program with specific local partners.
• Rhode Island: Focuses on urban centers like Providence, with Subway being a primary partner.
• Virginia: Has expanded to include chains like KFC and Taco Bell in specific cities.
• New York: Managed at the local district level, with participation varying by county and a heavy reliance on the ebtEDGE app for verification.

The "Hot Food" Confusion in Texas

Many residents in Texas confuse the Restaurant Meals Program with temporary disaster relief. Texas does not operate a permanent Restaurant Meals Program. You cannot use a Lone Star Card at a restaurant under normal circumstances.

However, during major emergencies like hurricanes or floods, the state may request a temporary "Hot Foods Waiver" from the USDA.

• What it does: Allows SNAP users to buy hot foods (like rotisserie chickens or deli meals) at grocery stores.
• What it doesn't do: It rarely allows purchases at fast-food restaurants like McDonald's.
• Duration: These waivers are strictly temporary, usually lasting only a few weeks until power is restored to the affected region.

How to Find Participating Restaurants

Finding a location that accepts EBT can be difficult because not every franchise participates. A McDonald's on one street might accept EBT, while another three miles away does not.

Look for Official Signage

The most reliable indicator is the official window decal. In many states, this is a blue or green sign featuring a fork and knife icon with the text "Participating Restaurant: SNAP Restaurant Meals Program." In states like Arizona, it may simply say "EBT Accepted Here."

Use Digital Tools

State agencies and third-party apps can help locate these specific vendors.

1. State Websites: Agency sites often publish lists of authorized vendors organized by county or city.
2. EBT Apps: The Providers app (formerly Propel) features a map that specifically filters for RMP-authorized locations in participating states.
3. EBT Cardholder Portals: Portals like connectebt.com or ebtEDGE often list program eligibility status and may provide locator tools.

Important Rules at the Register

Using your EBT card at a restaurant is similar to using it at a grocery store, but there are strict financial rules to protect the beneficiary.

• No Tips: You cannot add a tip to an EBT transaction. Gratuity must be paid in cash or with a separate card.
• No Sales Tax: Federal law prohibits charging sales tax on SNAP purchases. If you see tax on your receipt, the restaurant is in violation of the program rules.
• Mixed Transactions: If your meal costs more than your EBT balance, most systems allow you to pay the difference with cash or a standard debit card.

Comparison of Key State Programs

Frequently Asked Questions

Electronic Benefit Transfer (EBT) functions as the primary electronic system used by state welfare departments to issue food and cash benefits to eligible U.S. households. This digital infrastructure has completely replaced the paper coupon system, allowing recipients to access Supplemental Nutrition Assistance Program (SNAP) and Temporary Assistance for Needy Families (TANF) funds via a magnetically encoded payment card. By streamlining the transaction process, the system ensures that billions of dollars in federal aid reach low-income families, seniors, and individuals with disabilities efficiently and securely.

Key Takeaways

• System Definition: EBT is the mandatory delivery system for SNAP (food) and TANF (cash) in all 50 states, utilizing a card that functions like a commercial debit card.
• Work Requirement Changes: The "One Big Beautiful Bill Act of 2025" raised the age limit for the Able-Bodied Adults Without Dependents (ABAWD) work requirement to 64 years old.
• Theft Protection Ends: Federal reimbursement for benefits stolen via card skimming expired on December 20, 2024; states must now fund any replacements independently.
• Upcoming Restrictions: Starting January 1, 2026, twelve states (including Florida and Iowa) will implement pilot programs banning the purchase of soda and candy with SNAP benefits.
• Mobile Management: Users are strongly advised to use apps like ebtEDGE or ConnectEBT to "freeze" their cards when not in use to prevent theft.

Understanding the Electronic Benefit Transfer System

The EBT infrastructure creates a seamless bridge between government funding and retail point-of-sale (POS) terminals. When a recipient is approved for benefits, an account is established in their name, and funds are deposited electronically each month. The recipient uses their EBT card and a personal identification number (PIN) to authorize transactions, which debits their account and credits the retailer.

While the card looks like a standard debit card, it operates on a closed network with specific rules. The system distinguishes between "Food" benefits (SNAP), which are federally restricted to nutritious items, and "Cash" benefits (TANF), which offer broader spending flexibility for household necessities. This separation ensures that funds are used according to the specific guidelines of each program, even though they are accessed via the same piece of plastic.

SNAP vs. TANF vs. WIC

It is crucial to understand which program funds are on the card, as rules vary significantly:

• SNAP: Strictly for food prepared at home. Funds roll over month-to-month but may be expunged if the card is unused for nine months.
• TANF: Cash assistance that can be withdrawn at ATMs or used for non-food essentials like diapers, clothing, and rent. Usage is often prohibited at casinos, liquor stores, and adult entertainment venues.
• WIC: The Special Supplemental Nutrition Program for Women, Infants, and Children often uses a separate mechanism (WIC EBT or eWIC). WIC benefits are specific to exact food items (e.g., 16oz cheese, specific formula brands) and typically do not roll over to the next month.

Financial Eligibility and Income Limits

Eligibility for EBT-based programs is primarily determined by household size, income, and assets. For the 2025-2026 fiscal year, the federal government has adjusted income thresholds to account for inflation. Most households must meet both a gross income limit (130% of the federal poverty line) and a net income limit (100% of the poverty line).

Households with members who are elderly (age 60+) or disabled often face more lenient criteria. They may only need to meet the net income test or may qualify under higher gross income limits established by state-specific Broad-Based Categorical Eligibility rules.

Table 1: SNAP Monthly Income Eligibility Standards (48 Contiguous States, FY 2025)

Maximizing Benefits: What You Can and Cannot Buy

The USDA defines eligible food items broadly to ensure recipients can maintain a healthy diet. However, upcoming changes in 2026 will introduce the first major restrictions on specific food types in select states. Currently, in most regions, the "staple foods" category allows for the purchase of fruits, vegetables, meat, dairy, breads, and snack foods.

Approved Items

• Staple Foods: Fresh produce, meat, poultry, fish, dairy, breads, and cereals.
• Seeds and Plants: Beneficiaries can purchase seeds and plants that produce food, offering a sustainable way to supplement their grocery budget.
• Accessory Foods: Spices, cooking oils, and baking ingredients are eligible.
• Cold Prepared Foods: Sandwiches or salads from a deli are eligible if they are cold and intended for home consumption.

Strictly Prohibited Items

• Hot Foods: Food that is hot at the point of sale (e.g., rotisserie chicken) is ineligible, except in states with a Restaurant Meals Program.
• Non-Food Items: Pet food, paper products, medicines, vitamins, and hygiene items cannot be bought with SNAP funds.
• Alcohol and Tobacco: Strictly forbidden.
• Supplements: Any item with a "Supplement Facts" label (rather than "Nutrition Facts") is considered a supplement and is ineligible.

2026 "Junk Food" Pilot Programs: Starting January 1, 2026, twelve states—including Florida, Iowa, and Nebraska—will begin prohibiting the purchase of soda, candy, and energy drinks with EBT funds. Residents in these states should prepare for declined transactions if these items are included in their SNAP purchase.

New Work Requirements for 2025

Recent legislation has significantly altered the landscape for Able-Bodied Adults Without Dependents (ABAWDs). The "One Big Beautiful Bill Act of 2025," passed in July 2025, increased the age limit for mandatory work requirements. Previously capped at age 54, the requirement now applies to individuals up to 64 years of age.

• The Rule: ABAWDs aged 18-64 must work, volunteer, or participate in training for at least 80 hours a month.
• The Penalty: Failure to meet these hours limits benefits to just 3 months within a 36-month period.
• Exemptions: New exemptions were added for veterans, individuals experiencing homelessness, and young adults (under 24) aging out of foster care. Additionally, the exemption for households with children now only applies if the child is under 14 (previously 18).

Security Alert: Protecting Your Benefits

The security of EBT cards has become a critical issue due to the rise of card skimming. Unlike modern credit cards, most EBT cards still rely on magnetic stripes, making them vulnerable to cloning. This danger is compounded by the fact that the federal authority to replace stolen benefits expired on December 20, 2024.

Beneficiaries who lose funds to skimming after this date are dependent entirely on state-funded replacement programs, which are not guaranteed in every state. To protect your funds, experts recommend utilizing the "card lock" or "freeze" feature available in official mobile apps.

Essential Security Measures

1. Freeze Your Card: Use the https://www.connectebt.com/arebtclient/ app to lock your card when you are not shopping. Unlock it only when you are at the register.
2. Change PIN Monthly: Rotate your PIN just before your benefit issuance date.
3. Block Out-of-State Transactions: Many skimming rings operate across state lines; blocking this usage in the app can prevent theft.
4. Inspect Terminals: Wiggle the card reader before swiping to check for skimming overlays.

Stretching Your Dollar: Incentive Programs

Many states offer "nutrition incentive" programs that match SNAP spending on fresh produce. The most prominent of these is Double Up Food Bucks. When a recipient spends a dollar on fresh fruits and vegetables at a participating farmers market or grocery store, they receive a matching dollar (usually up to $20 per day) to buy more produce.

• Farmers Markets: Recipients often receive tokens that can be spent on any SNAP-eligible item, plus matching tokens specifically for produce.
• Grocery Stores: Automatic discounts or coupons are applied at checkout.
• Participating States: Programs like Double Up Food Bucks (CO, MI, NY, TX), Market Match (CA), and SNAP Produce Match (WA) are available in over 25 states.

For more details on these savings, recipients can review resources from doubleupamerica.org to find participating locations near them.

Online Purchasing and Restaurant Meals

The EBT system has modernized to include online retail and, in limited cases, hot restaurant meals.

Online Purchasing: SNAP recipients in all 50 states can now use their EBT cards to purchase groceries online from major retailers like Amazon, Walmart, and ALDI, as well as many regional chains.

• How it works: Enter your EBT card number during checkout and use your PIN to authenticate.
• Limitation: SNAP funds cannot pay for delivery fees or tips; a secondary payment method is required for these costs.

Restaurant Meals Program (RMP): In select states (including Arizona, California, Illinois, and Rhode Island), elderly, homeless, and disabled recipients can use their EBT card to buy hot meals at authorized restaurants. This program acknowledges that these populations may not have the facilities or ability to prepare food at home. Restaurants like Subway, McDonald's, and regional chains participate in specific counties within these states.

For further assistance, individuals can visit the usa.gov to locate local offices and application details.

Frequently Asked Questions

The Supplemental Nutrition Assistance Program (SNAP) serves as the primary defense against hunger for millions of Americans. While many still refer to it as "food stamps," the program has evolved into a digital financial support system designed to supplement your grocery budget. The goal is simple: to ensure that low-income households can afford a nutritious diet despite rising food costs.

Key Takeaways

• Increased Monthly Payments: As of October 1, 2025, the maximum monthly benefit for a family of four in the contiguous U.S. has risen to $994.
• Stricter Work Rules: The age limit for mandatory work requirements has increased to 64. Older adults must now prove work or training hours to keep benefits.
• Non-Citizen Eligibility Changes: New laws have removed automatic eligibility for refugees and asylees, restricting access primarily to Lawful Permanent Residents and specific protected groups.
• Expedited Processing: If you have less than $150 in monthly income and $100 in cash, you are entitled to receive benefits within 7 days.
• Security Updates: You should now use the ebtEDGE app to freeze your card and block out-of-state transactions to prevent theft.

Understanding the Supplemental Nutrition Assistance Program Today

Recent legislative changes have significantly altered who qualifies for this assistance. The "One Big Beautiful Bill Act" (OBBB), passed in July 2025, introduced strict new work requirements and eligibility limits. Understanding these rules is essential to ensure you receive the financial support you are entitled to without interruption.

Financial Eligibility and Monthly Allotments

Benefit amounts are recalculated at the start of every federal fiscal year on October 1st. These adjustments, known as Cost-of-Living Adjustments (COLA), help your purchasing power keep up with grocery store inflation. The amount you receive depends on your household size and income after allowable deductions.

Maximum Benefit Amounts

The "maximum allotment" is the amount a household with zero net income receives. Most families receive a calculated portion of this amount.

Maximum Monthly Allotments (Fiscal Year 2026)

Income Limits

To qualify, most households must pass two income tests. First, your gross income (total before taxes) must be at or below 130% of the federal poverty line. Second, your net income (after deductions) must be at or below 100% of the poverty line.

• Gross Income Limit (Family of 4): $3,483 per month.
• Net Income Limit (Family of 4): $2,680 per month.
• Asset Limits: Most households are limited to $3,000 in liquid resources (cash/savings). If your household includes a member who is elderly (60+) or disabled, this limit rises to $4,500.

Maximizing Your Budget with Deductions

You can lower your "net income" by reporting specific household expenses. This is a critical step because a lower net income often results in a higher monthly benefit payment.

• Standard Deduction: Every household receives a base deduction. For a family of 1-3 people, this is now $209.
• Excess Shelter Deduction: If your housing costs (rent/mortgage + utilities) take up more than half of your income, you can deduct the excess amount. This deduction is capped at $744 for most, but there is no cap for households with elderly or disabled members.
• Medical Expenses: Individuals over 60 or those with a disability can deduct out-of-pocket medical costs that exceed $35 a month.
• Homeless Shelter Deduction: A set deduction of $198.99 is available for households with no fixed residence.

New Work Requirements for Older Adults

The most significant recent change to SNAP policy is the expansion of the Able-Bodied Adults Without Dependents (ABAWD) work rules. Previously, these rules applied to adults up to age 54. The new legislation has permanently raised the age limit to 64.

Who Must Work?

If you are between the ages of 18 and 64, physically fit, and do not have a child under age 14 in your home, you are classified as an ABAWD. To keep your benefits for more than 3 months in a 36-month period, you must:

1. Work at least 80 hours per month.
2. Participate in a qualifying work program for 80 hours per month.
3. Perform documented volunteer work for 80 hours per month.

Changes to Exemptions

The OBBB Act removed several protections that were previously in place.

• Veterans and Homeless Individuals: Automatic exemptions for these groups have been eliminated. You must now meet the work requirements or prove a disability to stay exempt.
• Parents: Previously, living with a child under 18 exempted you from work rules. Now, you are only exempt if the child is under 14.
• Tribal Exemption: New protections have been added for Indigenous populations. If you are a member of a federally recognized tribe, you are exempt from these specific ABAWD work time limits.

Updated Non-Citizen Eligibility Rules

Access to food assistance for non-citizens has been strictly narrowed. Under the new guidelines, eligibility is primarily reserved for Lawful Permanent Residents (Green Card holders), Cuban/Haitian entrants, and citizens of the Compacts of Free Association (COFA) nations.

Key Restrictions:

• Refugees and Asylees: Individuals with these statuses are no longer automatically eligible upon arrival. You must typically wait until you adjust your status to Lawful Permanent Resident.
• The 5-Year Bar: Most Green Card holders must still wait five years after receiving their qualified status before they can access SNAP.
• Exceptions: Children under 18, individuals with a disability, and those with 40 quarters of work history in the U.S. are generally exempt from the 5-year waiting period.

How to Apply and Get Benefits Quickly

SNAP is a federal program, but it is run by state agencies. This means you must apply through your specific state's portal. You can find the correct office and application link for your location using the state directory.

The 7-Day Expedited Service

If you are in a financial crisis, you do not have to wait the standard 30 days for approval. Federal law mandates that eligible households receive benefits within 7 calendar days.

You qualify for this faster service if:

• Your household has less than $150 in monthly income and $100 or less in cash/savings.
• Your combined income and cash are less than your monthly rent and utility costs.
• You are a destitute migrant or seasonal farmworker.

You do not need to file a separate application for this. However, you should explicitly mention your current financial status during your interview to ensure the caseworker flags your file for expedited processing.

Disaster Assistance (D-SNAP)

In the wake of major natural disasters like hurricanes or wildfires, the rules change. The Disaster Supplemental Nutrition Assistance Program (D-SNAP) provides short-term food aid to families in affected areas, even if they would not normally qualify for regular SNAP.

Activation Requirements: D-SNAP is not automatic. It is only available after the President declares a "Major Disaster" with Individual Assistance for your specific county.

Eligibility Factors:

• Disaster Gross Income: Your income + cash resources - disaster expenses (like repairs or evacuation costs).
• Benefit: If you qualify, you receive a full month's allotment for your household size immediately.

Protecting Your Benefits

Electronic Benefit Transfer (EBT) theft via card skimming is a major issue. Thieves place devices on store card readers to steal your PIN and drain your funds.

To protect yourself, you should utilize the ebtEDGE mobile application or your state's specific EBT management tool. These platforms allow you to:

• Freeze Your Card: Lock the card instantly when you are not in a checkout line.
• Block Transactions: Prevent purchases made outside your home state.
• Biometric Login: Use your fingerprint or face ID to access your account securely.

By taking these precautions and understanding the new eligibility landscape, you can effectively navigate the SNAP system and secure the nutritional support your household needs.

Frequently Asked Questions

The Low Income Home Energy Assistance Program (LIHEAP) serves as the first line of defense against high winter heating costs. It is a grant, not a loan, so the money does not need to be repaid. The program is designed to lower the energy burden for families during the state's long, freezing winters.

Key Takeaways

• Primary Heating Aid: The Low Income Home Energy Assistance Program (LIHEAP) is the main state resource for winter heating bills. It typically accepts applications from October through May.
• Wide Eligibility: Most households qualify if their income is at or below 60% of the State Median Income. This threshold is often higher than standard federal poverty guidelines.
• Emergency Funds: Energy Share of North Dakota provides crisis grants for those facing disconnection who have exhausted other aid. You must apply through a Community Action Agency.
• Tribal Programs: Residents on reservations (Standing Rock, MHA Nation, Spirit Lake, Turtle Mountain) must apply through their specific Tribal LIHEAP offices.
• Disconnection Rules: North Dakota does not have a total winter shut-off ban. However, strict protections exist for the elderly, disabled, and those with certified medical conditions.

How the Benefit Works

LIHEAP payments are typically sent directly to your fuel provider. This applies to natural gas, electricity, propane, coal, fuel oil, and wood. You will see the payment appear as a credit on your monthly statement.

The program operates seasonally, generally accepting applications from October 1 through May 31. It is best to apply for heating assistance early in the fall. This ensures your benefits are active before extreme cold sets in.

Income Eligibility Limits

North Dakota uses the State Median Income (SMI) to set eligibility, which allows more working families to qualify. Households earning at or below 60% of the state median income are eligible.

Current Annual Income Limits (Gross):

Emergency Crisis Services

LIHEAP also features a crisis component for life-threatening situations. This helps households facing an immediate emergency, such as a furnace failure or an empty fuel tank. Crisis funds can pay for emergency fuel deliveries or essential repairs to heating systems.

Weatherization Assistance Program (WAP)

The Weatherization Assistance Program focuses on long-term savings rather than immediate bill payment. It provides free permanent energy efficiency improvements. These upgrades help your home hold heat better, lowering future bills.

What the Program Covers

Certified crews perform a comprehensive energy audit on your home using advanced tools like blower doors. Based on the audit results, they may install:

• Attic and wall insulation.
• Weather stripping around drafty doors and windows.
• Energy-efficient furnace or water heater upgrades.

Eligibility and Priority

If you are already approved for LIHEAP, you are automatically income-eligible for Weatherization. Because demand is high, the program prioritizes the elderly, people with disabilities, and families with children.

Emergency Help: Energy Share of North Dakota

Energy Share of North Dakota is a private, non-profit partnership that acts as a provider of last resort. It is funded by donations and utility companies rather than tax dollars. This program helps when all other government resources have been used up.

When to Use Energy Share

This program is designed specifically for crisis scenarios. You typically must apply for LIHEAP first before requesting Energy Share. It steps in when:

• You are facing an imminent disconnection of power.
• You have exhausted your maximum LIHEAP benefits.
• You are slightly over the income limit for LIHEAP but are facing a documented financial emergency.

Application Process

You cannot apply for Energy Share through the state's online portal. You must contact your local Community Action Agency to schedule an intake appointment. A caseworker will review your financial situation to determine if you qualify for a one-time grant to prevent a shut-off.

Tribal Utility Assistance Programs

Tribal members living on reservations in North Dakota have distinct offices for energy assistance. These programs operate independently from the state and receive their own federal funding. They often have different application windows and specific rules regarding income.

Tribal LIHEAP Contacts:

• Standing Rock Sioux Tribe: Contact the Fuel Assistance office in Fort Yates at 701-854-7588. 
• MHA Nation (Three Affiliated Tribes): Call the office in New Town at 701-627-2364. They may exclude per capita mineral royalty payments from income calculations.
• Turtle Mountain Band of Chippewa: Reach out to the heating assistance office in Belcourt at 701-477-3273.
• Spirit Lake Tribe: Contact the LIHEAP office in Fort Totten at 701-766-1206.

Utility Company Relief Options

Major investor-owned utilities in North Dakota offer internal assistance programs. These are often funded by customer donations and corporate matching funds.

Xcel Energy

• Heat Share: Administered by the Salvation Army, this program helps pay for natural gas and electricity during emergencies. It is a vital resource for customers who may not qualify for government aid.
• Medical Affordability: This program limits electricity costs to a percentage of household income for customers with high medical needs.

Montana-Dakota Utilities (MDU)

• Balanced Billing: This service averages your energy costs over a 12-month period. It prevents the "bill shock" of massive winter invoices by spreading the cost into the summer months.    
• Third-Party Notification: You can designate a friend or relative to receive a copy of any disconnect notice. This ensures a caregiver is alerted if you forget to pay a bill.

Otter Tail Power Company

• House Therapy: This efficiency program provides free energy audits and upgrades for high-usage households. It targets homes that meet specific income guidelines to reduce monthly usage.
• Payment Arrangements: The company offers flexible payment plans to help customers catch up on past-due balances without losing service.

Consumer Rights and Disconnection Rules

It is a dangerous myth that utilities cannot shut off your power in the winter. Disconnection is legal in North Dakota during winter months. However, the Public Service Commission enforces strict rules to protect vulnerable residents.

Critical Protections

• 10-Day Notice: Regulated utilities must send a written disconnect notice at least 10 days before cutting service.
• 30-Day Medical Postponement: If a disconnect threatens the health of a resident, the utility must delay the shut-off. You will need a medical certificate signed by a medical professional. This gives you 30 days to secure funding.
• Time Restrictions: Utilities cannot disconnect service on Fridays, weekends, holidays, or after 12:00 PM on any day.

Water and Rent Assistance Updates

Federal pandemic-era funding for housing stability has largely expired. This changes how residents access help for rent and water bills.

ND Rent Help Transition

The state's emergency rental assistance program is ramping down. New applications for general housing stability are largely restricted. The state is transitioning these services back to traditional safety net programs.

Water Bill Assistance

There is no permanent federal program for water bills like there is for heating. If you face a water shut-off:

1. Negotiate: Contact your city auditor or water department immediately to set up a payment plan.
2. Charitable Aid: Contact the (https://centralusa.salvationarmy.org/northern/Fargo-Moorhead/utility-assistance/) or Catholic Charities. They often have emergency discretionary funds that can pay a water bill to keep a home habitable.
3. Community Action: Ask your local Community Action Agency if they have flexible "self-reliance" grants available for water emergencies.

Contact Directory

North Dakota LIHEAP (State)

• Phone: 1-866-614-6005
• Email: applyforhelp@nd.gov

Community Action Partnership ND

• Phone: 1-800-726-7960
• Role: Intake for Energy Share and Weatherization.

FirstLink (2-1-1)

• Phone: Dial 2-1-1
• Role: 24/7 referral to local food pantries, charities, and emergency aid.

Major Utility Customer Service

• Xcel Energy: 1-800-895-4999
• Montana-Dakota Utilities: 1-800-638-3278
• Otter Tail Power: 1-800-257-4044

Frequently Asked Questions

Finding legitimate christmas grants for individuals requires navigating a complex mix of government safety nets and private charitable programs. While the federal government does not provide direct "holiday cash" to citizens, specific emergency funds and non-profit organizations offer crucial support to alleviate winter financial pressure. Understanding where to look and applying immediately is vital, especially as deadlines for many major holiday programs approach rapidly.

Key Takeaways

• Government "Grants" Are Specific: Federal aid isn't labeled as "Christmas money," but programs like TANF and LIHEAP provide cash and utility relief that frees up holiday budgets.
• Deadlines Are Urgent: Major programs like Angel Tree often close registration in early November, but USPS Operation Santa accepts letters until early December.
• Local vs. National: When national deadlines pass, local churches and the 2-1-1 network become your primary resource for last-minute aid.
• Fraud Alert: The government will never contact you via social media to offer a "free grant." These are scams designed to steal your data.

The Reality of Government Holiday Assistance

Many people search for "grants" hoping for a personal check to cover gifts, but federal aid functions differently. The government funds state-run programs designed to handle emergencies and basic needs. By securing help for essentials like heating or rent, you can preserve your own cash for holiday traditions.

Temporary Assistance for Needy Families (TANF)

If you are facing a specific financial crisis, you may qualify for "Diversion Cash Assistance" (DCA) through the TANF program.

• What it is: A lump-sum payment designed to fix an immediate problem, such as a car repair or rent arrears, to prevent you from needing long-term welfare.
• How it helps: Resolving a major financial crisis in November or December stabilizes your household for the holidays.
• Action Step: Contact your local social services office immediately, as eligibility varies strictly by state.

Low Income Home Energy Assistance Program (LIHEAP)

Winter heating bills often compete with holiday budgets. hhs.gov administers LIHEAP to help low-income families manage these costs.

• Eligibility: Generally for households earning below 150% of the federal poverty level.
• Strategic Value: Applying for energy assistance in the fall ensures you aren't choosing between a warm home and a holiday meal.
• Note: This program often has funds available even after holiday gift programs have closed.

Major Non-Profit Holiday Programs

Philanthropic organizations handle the bulk of direct holiday "grants" in the form of toys, food, and clothing. Because these programs rely on donor logistics, their application windows are strict.

USPS Operation Santa

Unlike programs that close in October, USPS Operation Santa remains active into December.

• How it works: Children and parents write letters to Santa listing their needs and wants. These letters are uploaded to a digital platform where anonymous donors "adopt" them and ship gifts directly.
• Critical Deadlines: Letters must be postmarked by December 9 to be eligible for adoption.
• Requirements: Letters must include a full return address and first names.

Marine Toys for Tots

This program distributes millions of toys annually.

• Status: Application deadlines are set locally. While many close by mid-November, some local chapters extend into December based on inventory.
• Verification: You typically need proof of residency and birth certificates for children.
• Action: Check the specific dates for your county on the https://www.toysfortots.org/ website immediately.

The Salvation Army

Best known for the Angel Tree program, the Salvation Army also provides substantial food assistance.

• Gift Assistance: Registration for Angel Tree usually closes by early November. If you missed this, ask about their "waitlist" or distribution of unclaimed gifts.
• Food Pantries: Holiday meal boxes are often available later in the season than gift programs.

Industry-Specific Relief Funds

If you work in specific sectors, you may qualify for private hardship grants. These funds often operate year-round but are critical during the holidays.

Hospitality and Food Service

• The Giving Kitchen: Provides financial assistance to food service workers facing illness, injury, or housing disasters.
• CORE (Children of Restaurant Employees): Offers grants to food and beverage employees with children who face a health crisis or natural disaster.

Arts and Entertainment

• Musicians Foundation: Offers aid to professional musicians in times of need.
• Rauschenberg Medical Emergency Grants: Provides up to $5,000 for artists facing unexpected medical or dental emergencies, relieving financial stress during the holidays.

Navigating Scams and Fraud

The high demand for help makes the holidays a prime time for predators. Be vigilant against "Secret Sister" gift exchanges and fake grant offers.

• The HHS Grant Scam: Scammers impersonating the message users on social media claiming they have qualified for a "free grant."
• Red Flags: The government will never ask you to pay a fee to receive a grant, nor will they ask for payment via gift cards or cryptocurrency.
• Verification: Official government websites always end in .gov.

Comparison of Assistance Options

Use this table to identify which programs fit your current timeline and needs.

Last-Minute and Local Options

If national deadlines have passed, your best option is local community support.

The 2-1-1 Network

Supported by the United Way, this service connects you to local resources that may not have a web presence.

• How to Access: Dial 2-1-1 from any phone or visit 211.org.
• Resources: Operators can direct you to local church pantries, "Shop with a Cop" events, and smaller charities with funds still available.

St. Vincent de Paul

This organization operates through local church chapters and often conducts home visits to assess needs.

• Assistance: They can provide food baskets, toy distribution, and sometimes emergency financial aid for bills.
• Flexibility: Because they operate locally, they may have more flexibility than large federal programs for late requests.

Frequently Asked Questions

Yes, all Costco warehouse locations in the United States accept EBT cards for eligible food purchases. While you can use your benefits at any register, you must be a paid member to enter the store and shop. This guide explains exactly how to use your Electronic Benefit Transfer card at the warehouse, online, and what restrictions apply to your purchases.

Key Takeaways

• Accepted Nationwide: You can use your EBT card at every Costco warehouse location in the U.S.
• Membership Required: You cannot use SNAP benefits to pay for the annual membership fee; you must pay this with cash, debit, or credit.
• Online Restrictions: Costco.com does not accept EBT. You must use Instacart or Costco "Same-Day Delivery" to use benefits online.
• No Hot Food: EBT cards are generally not accepted at the Food Court for hot items like pizza or hot dogs.
• Strict Return Policy: Refunds for items bought with SNAP must be credited back to your EBT card, not given as cash.

How to Use EBT In-Store at Costco

Using your benefits at a physical warehouse is straightforward. All standard checkout lanes and self-checkout registers are equipped to process SNAP payments. When you are ready to pay, simply swipe your card and enter your PIN just as you would at a regular grocery store.

Costco's system handles split-tender transactions automatically. If your cart contains both eligible food items (like eggs) and ineligible non-food items (like paper towels), the system will deduct the food cost from your EBT balance first. You can then pay the remaining balance with a Visa card, debit card, or cash.

Buying in Bulk with SNAP

Shopping at a wholesale club allows you to maximize your monthly allotment by lowering the cost per unit. Popular eligible items include 25-pound bags of rice, bulk frozen chicken, and large containers of shelf-stable pantry goods.

You can also use your benefits to purchase seeds and plants that produce food. This includes tomato plants, fruit trees, and herb pots often found in the seasonal garden center.

The Membership Fee Hurdle

While Costco takes EBT for products, they do not accept EBT for the membership fee itself. The annual cost for a Gold Star membership is roughly $65, which acts as a barrier for many low-income households. Federal regulations define SNAP benefits strictly for "food for home consumption," classifying club memberships as an ineligible service.

If you are not a member, you generally cannot shop there. While a member can bring guests, Costco policy requires the member to make the purchase. Some managers may allow a guest to swipe their EBT card, but this is inconsistent and not guaranteed.

Online Shopping: Costco.com vs. Instacart

There is a major difference between shopping on Costco's main website and using their same-day delivery service.

Costco.com: You cannot use EBT on the main website. This site is set up for shipping non-perishable goods and big-ticket items, and it does not have the technology to process government benefits. 

Same-Day Delivery (Instacart): You can use EBT for "Costco Same-Day Delivery," which is powered by Instacart. To do this, you must add your EBT card to your profile on the Instacart app or the Same-Day website.

Be aware of the costs involved with delivery:

• Higher Prices: Item prices on Instacart are higher than in the warehouse to cover service costs.
• Delivery Fees: You may be charged delivery fees if your order is small.
• Split Payment: You must have a secondary payment method (credit/debit) linked to cover tip, delivery fees, and taxes.

Food Court and Prepared Foods

Costco Food Courts generally do not accept EBT. The USDA prohibits the purchase of hot, prepared foods with SNAP benefits. This means you cannot use your card to buy hot pizza, hot dogs, or chicken bakes.

Unlike some fast-food chains in states like California or Arizona, Costco is not a participant in the Restaurant Meals Program (RMP). Even if you are homeless, elderly, or disabled and qualify for hot meals elsewhere, Costco's registers will decline EBT payment for hot food court items.

What You Cannot Buy

It is important to know which items will be rejected by the EBT system to avoid issues at checkout.

• Vitamins and Supplements: Most vitamins sold at Costco have a "Supplement Facts" label, making them ineligible.
• Household Goods: Toilet paper, diapers, cleaning supplies, and pet food must be paid for with cash or credit.
• Alcohol and Tobacco: Beer, wine, and cigarettes are strictly prohibited.
• Hot Rotisserie Chicken: While cold rotisserie chicken (often sold in the deli) may be eligible, the hot birds under the heat lamps are usually not.

Compare Costco to Other Retailers

Understanding how Costco compares to other major retailers can help you decide where to shop.

Sam's Club offers a unique "Scan & Go" feature in their app. This allows you to scan items as you walk through the store and pay directly on your phone with EBT, skipping the checkout line entirely. Costco does not currently offer this technology.

Return Policy for EBT Purchases

If you need to return an item purchased with food stamps, Costco will refund the money back to your EBT card. Federal laws are strict about this to prevent fraud. You cannot receive cash back for a SNAP purchase.

If you purchased items via Instacart, you should process the return through the Instacart app. Returning an Instacart purchase in the warehouse can be difficult because the store's system may not see the original transaction details.

For more details on eligible food items, you can visit the official USDA SNAP eligibility page. If you need to check your balance or find other retailers, state resources like the California Department of Social Services or your local agency can provide assistance.

Frequently Asked Questions

Securing safe, affordable, and accessible housing is a fundamental need. For many Texans with disabilities, this search can be a complex and overwhelming process. A wide array of Texas disability housing assistance programs exists, but they are spread across federal, state, and local agencies, each with its own rules and application procedures.

This creates a challenging landscape for individuals and families trying to find the right support. The path to a stable home requires a clear understanding of legal rights, available financial aid, supportive living options, and the specific local organizations that serve as the gateway to these resources.

From rental vouchers that provide choice in the private market to specialized grants for home modifications, a network of support is available to empower independent living.

Foundational Housing Rights for Texans with Disabilities

Before seeking specific assistance programs, it is essential to understand the powerful legal protections that safeguard individuals with disabilities in the housing market. These rights form the bedrock of all interactions with landlords, property managers, and housing providers, ensuring equal access and opportunity. Asserting these rights is the first and most crucial step in securing and maintaining stable housing.

The Fair Housing Act (FHA): A Bedrock of Protection

The federal Fair Housing Act (FHA) is the primary law that makes it illegal for housing providers to discriminate against any person based on disability. This protection is comprehensive and applies to most housing transactions, including renting and sales.

• Core Protections: Under the FHA, a landlord or seller cannot refuse to rent or sell to a person, impose different terms or conditions, or otherwise make housing unavailable because of a disability. This protection extends not only to the individual with a disability but also to anyone associated with them, such as a family member or roommate.
• Defining Disability: The law defines disability broadly to include a wide range of conditions. This includes physical or mental impairments that substantially limit one or more major life activities. The definition covers psychological disorders, emotional and mental illnesses, learning disabilities, and chronic health conditions such as HIV/AIDS.

Key Rights in Practice: Accommodations vs. Modifications

The FHA grants two powerful rights that are critical for tenants with disabilities: the right to a reasonable accommodation and the right to a reasonable modification. While they sound similar, they address different types of barriers.

Reasonable Accommodations (Changing the Rules)

A reasonable accommodation is a change, exception, or adjustment to a rule, policy, practice, or service that is necessary for a person with a disability to have an equal opportunity to use and enjoy their home. It does not involve structural changes but rather flexibility in how things are done.

Common examples include:

• Assistance Animals: Granting an exception to a "no pets" policy for a service animal or a documented support animal needed for a disability.
• Parking: Assigning a specific, accessible parking space for a resident with a mobility impairment, even if parking is typically first-come, first-served.
• Rent Payments: Adjusting the rent due date to align with the monthly distribution of Social Security or disability income to avoid late fees.
• Unit Transfers: Allowing a tenant with a mobility impairment to transfer to an available ground-floor unit.

Reasonable Modifications (Changing the Structure)

A reasonable modification is a structural change made to an existing premises to make it more accessible for a person with a disability. Under the FHA, the tenant is generally responsible for the cost of making modifications to their individual unit. Landlords, however, are typically responsible for paying for modifications to common areas.

Examples of reasonable modifications include:

• Installing grab bars in a bathroom.
• Widening doorways to allow for wheelchair access.
• Installing a ramp to the entrance of the dwelling.

The Request and Response Process

These rights are not automatic; they must be requested. The law places the initial burden on the individual to inform the housing provider of their need. To do so effectively, it is best to submit a request in writing that clearly explains the disability-related need for the requested change. A letter from a doctor, therapist, or social worker can serve as supporting documentation.

Once a request is made, the housing provider has a legal obligation to engage in an "interactive process" to discuss the request and cannot simply ignore it. In Texas, a response is generally required within a reasonable time, not to exceed 14 calendar days. A request can only be legally denied if it would impose an "undue financial and administrative burden" on the housing provider or would "fundamentally alter" the nature of their services.

When Your Rights Are Violated: Seeking Advocacy and Legal Support

If a housing provider ignores a request, issues an unfair denial, or retaliates, there are organizations dedicated to enforcing these rights.

• Disability Rights Texas (DRTx): As the federally designated protection and advocacy agency for Texas, DRTx is a primary resource. Their housing advocacy team can provide legal assistance, help with self-advocacy, and represent individuals in discrimination cases.
• Filing a Formal Complaint: A formal complaint of housing discrimination can be filed with either the U.S. Department of Housing and Urban Development (HUD) or the Texas Workforce Commission (TWC). It is critical to act quickly, as complaints must be filed within one year of the discriminatory act.
• Local Legal Aid: In urgent situations, such as receiving an eviction notice, individuals should immediately contact their local legal aid organization or the Texas Lawyers Referral Hotline at 1-800-252-9690 for assistance.

Statewide Rental Assistance and Voucher Programs

For many Texans with disabilities, the greatest barrier to housing is affordability. Several state and federal programs address this by providing rental subsidies, or vouchers, that help cover the cost of rent in the private market. These programs are "tenant-based," meaning the financial assistance is tied to the individual or family, allowing them to choose where they want to live.

The Housing Choice Voucher Program (Section 8)

The Housing Choice Voucher (HCV) program, commonly known as Section 8, is the federal government's primary program for assisting very low-income families, the elderly, and people with disabilities to afford decent, safe, and sanitary housing. The program is funded by HUD and administered locally by Public Housing Authorities (PHAs).

A participant receives a voucher and is free to find their own housing, including apartments, townhouses, or single-family homes. The PHA pays a portion of the rent directly to the landlord, and the tenant pays the difference, which is typically around 30% of their adjusted monthly income.

Eligibility is primarily based on income, but PHAs often give preference to applicants who have a disability. The biggest challenge with the HCV program is availability. Demand far exceeds supply, and most PHAs have long waiting lists that are often closed to new applicants. It is crucial to contact your local PHA directly to check the status of their waiting list.

TDHCA Tenant-Based Rental Assistance (TBRA)

The Texas Department of Housing and Community Affairs (TDHCA) administers the Tenant-Based Rental Assistance (TBRA) program, which is funded through the federal HOME Investment Partnerships Program. TBRA provides rental subsidies for up to 24 months, security and utility deposits, and is often paired with a self-sufficiency program to help households increase their economic stability.

A critical feature of this program is its dedicated funding for individuals with disabilities. Five percent of TDHCA's total annual HOME funding is specifically reserved to assist persons with disabilities statewide.

TDHCA does not provide assistance directly to individuals. Instead, it distributes funds to a network of local administrators, including non-profit organizations, city and county governments, and PHAs. To apply, you must find a local TBRA provider in your area using the "Help for Texans" search tool on the TDHCA website.

Project Access: A Bridge from Institution to Community

The Project Access program is a specialized initiative designed to help low-income Texans with disabilities transition out of institutional settings—such as nursing facilities or state psychiatric hospitals—and into their own homes. The program provides this support by utilizing Section 8 Housing Choice Vouchers administered directly by TDHCA.

To be eligible, an applicant must meet all Section 8 criteria, have a permanent disability, and be a current or recent resident of a qualifying institution. The application process is distinct; applicants must submit a complete hard-copy packet with specific forms directly to TDHCA's Section 8 Division in Austin.

Recognizing that waitlists for permanent vouchers can be long, TDHCA actively coordinates the Project Access and TBRA programs to "accelerate relocation". An applicant on the Project Access waitlist may receive temporary rental assistance through a local TBRA provider to bridge the gap until their permanent voucher becomes available. Participating in the TBRA program does not cause an applicant to lose their place on the Project Access waiting list.

Mainstream Vouchers: Supporting Independent Living

Mainstream Vouchers are another specialized type of Housing Choice Voucher designed specifically to assist non-elderly persons (under age 62) with disabilities. This program serves individuals who may be transitioning out of institutional settings, are at serious risk of institutionalization, or are currently experiencing homelessness.

Like standard vouchers, these are administered by local PHAs. However, preference is often given to individuals who are referred by partner service agencies that can provide ongoing supportive services, ensuring a holistic approach to independent living.

Supportive Housing and Integrated Community Living

Beyond rental subsidies, Texas offers several housing models that integrate affordable housing with supportive services. These programs are typically "project-based," meaning the assistance is tied to a specific apartment or property. They are designed for individuals with significant disabilities who may benefit from having services coordinated with their housing to live successfully and independently in the community.

Section 811 Project Rental Assistance (PRA)

The Section 811 PRA program is a federal initiative administered by TDHCA that provides project-based rental assistance for extremely low-income adults with disabilities. The program links affordable, integrated housing with voluntary, long-term supportive services provided by the Texas Health and Human Services Commission (HHSC) and its partners.

This program is not open to the public through a general application. Instead, it serves three specific target populations:

1. People with disabilities transitioning from institutions like nursing homes.
2. People with serious mental illness who need stable housing to engage in treatment.
3. Youth with disabilities who are exiting the foster care system.

The only way to access a Section 811 unit is through a referral from a "Qualified Referral Agent," typically a case manager at a Local Mental Health Authority (LMHA) or a service coordinator at a Local Intellectual and Developmental Disability Authority (LIDDA). The program is also geographically limited to eight metropolitan areas: Austin-Round Rock, Brownsville-Harlingen, Corpus Christi, Dallas-Fort Worth-Arlington, El Paso, Houston-The Woodlands-Sugar Land, McAllen-Edinburg-Mission, and San Antonio-New Braunfels.

Permanent Supportive Housing (PSH)

Permanent Supportive Housing (PSH) is an evidence-based intervention that combines affordable housing with voluntary, comprehensive supportive services. It is designed for individuals and families who have experienced chronic homelessness and have a documented disabling condition, such as a serious mental illness or substance use disorder. The model operates on a "Housing First" philosophy, which recognizes that providing a stable home is the necessary foundation for a person to address other life challenges.

Access to PSH is not managed through a traditional housing application. Instead, individuals are typically assessed and referred through their community's "Coordinated Entry" system, which is a centralized process for all homeless services in a given area. Non-profit organizations like Volunteers of America Texas are major providers of PSH across the state.

Group Homes and Community-Based Residences

For individuals with intellectual and developmental disabilities (IDD) who require a higher level of support, Texas offers several residential options, primarily funded through Medicaid.

• HCS Group Homes: The Home and Community-based Services (HCS) waiver program funds group homes where three to four individuals with IDD live together in a community setting. A certified provider agency furnishes 24-hour staff support for daily living skills, medication administration, and behavioral support.
• Intermediate Care Facilities (ICF/IID): ICFs are residential facilities that provide 24/7 supervision, treatment, and nursing services for people with IDD. These can range from small, six-person homes to larger, state-run facilities known as State Supported Living Centers.
• Other Residential Models: A variety of other housing options exist, including supervised apartments, host home/companion care arrangements, and private-pay residential communities, each offering different levels of independence and support.

Home Modification, Repair, and Ownership Pathways

For Texans with disabilities who already own a home or have a stable rental but need to improve its accessibility, several grant and loan programs can provide the necessary funding. These programs focus on removing physical barriers, eliminating health and safety hazards, and promoting long-term stability.

Amy Young Barrier Removal (AYBR) Program

The AYBR program is a state-funded initiative administered by TDHCA that provides one-time grants of up to $22,500. These funds are used to pay for accessibility modifications to a person's home, such as installing ramps, widening doorways, or remodeling bathrooms.

Eligibility is open to both homeowners and renters whose household income does not exceed 80% of the Area Median Family Income (AMFI) and includes a person with a disability. TDHCA does not accept applications directly. An individual must use the "Help for Texans" portal on the TDHCA website to identify and contact the specific AYBR administrator for their city or county to apply.

Texas HOME owner Rehabilitation Assistance (HRA) Program

Part of the federally funded HOME program, the HRA program provides financial assistance for the substantial rehabilitation or complete reconstruction of substandard, owner-occupied homes. Similar to other HOME programs, TDHCA reserves 5% of its HRA funds specifically to assist homeowners with disabilities anywhere in the state.

To qualify, homeowners must meet income limits and apply through a local administrator—a city, county, or non-profit organization—that has an active agreement with TDHCA to manage HRA projects. The application process is thorough and often involves income verification, a title search, and a detailed property inspection.

Housing Grants for Veterans with Service-Connected Disabilities

The U.S. Department of Veterans Affairs (VA) offers several powerful grants to help veterans and service members with certain severe service-connected disabilities to buy, build, or modify a home. Applications for these grants are made directly to the VA.

• Specially Adapted Housing (SAH) Grant: This grant provides up to $121,812 (for FY 2025) for veterans with qualifying disabilities, such as the loss of more than one limb, to create a fully adapted home.
• Special Home Adaptation (SHA) Grant: This grant offers up to $24,405 (for FY 2025) for veterans with other qualifying conditions, such as the loss of both hands or severe burns, to adapt a home.   
• Temporary Residence Adaptation (TRA) Grant: This grant allows an eligible veteran to use funds to adapt a family member's home where they are living temporarily.

Pathways to Homeownership

For those dreaming of owning a home, some assistance programs can help turn that goal into a reality.

• HCV Homeownership Program: In some areas, families participating in the Housing Choice Voucher program can use their voucher to help pay for a monthly mortgage instead of rent. This option is often linked with participation in a Family Self-Sufficiency (FSS) program.
• Texas Bootstrap Loan Program: This unique self-help housing program assists very low-income families by providing a 0% interest loan of up to $45,000. In return, the family must provide at least 65% of the labor needed to build their home, known as "sweat equity".

Your Local Connection: Navigating Resources by Region

While many housing programs are funded at the state or federal level, the front door to access them is almost always local. The most successful approach is to identify and connect with the key organizations serving your specific city, county, or region.

Starting Your Search: Statewide Navigators

Before diving into regional specifics, two statewide resources serve as excellent starting points for anyone, anywhere in Texas.

• 2-1-1 Texas: This free, confidential service from the Texas Health and Human Services Commission is the universal information and referral hotline. By dialing 2-1-1 or visiting their website, you can connect with a specialist who can provide information on local housing assistance, emergency shelters, and utility payment help.
• Aging and Disability Resource Centers (ADRCs): ADRCs are designed to be a "no wrong door" single point of entry for older adults and people with disabilities seeking long-term services and supports. Their staff are trained to help individuals navigate complex systems, understand their options, and assist with applications.

Regional Resource Hubs

The following is a breakdown of key local and regional entities that administer housing programs.

Houston and Harris County

• Public Housing Authorities: The Houston Housing Authority (HHA) and the Harris County Housing Authority (HCHA) manage Public Housing and Housing Choice Voucher programs.
• Key Navigators: The Care Connection Aging & Disability Resource Center serves as a primary information hub for housing options in Harris County.
• Non-Profit Providers: Organizations like Catholic Charities and Volunteers of America Texas are major providers of supportive housing and other assistance programs.
• Program Availability: The Houston-The Woodlands-Sugar Land metro area is an eligible region for the Section 811 PRA program.

Dallas-Fort Worth Metroplex

• Public Housing Authorities: The Dallas Housing Authority (DHA), Tarrant County Housing Assistance Office, and Arlington Housing Authority are the primary administrators of voucher programs and public housing.
• County and City Programs: Dallas County offers a Welfare Assistance program providing temporary rent support for disabled residents awaiting other benefits. The City of Dallas administers the HOPWA program for individuals with HIV/AIDS.
• Non-Profit Providers: Metro care Services is a key provider of permanent supportive housing linked to mental health services for individuals experiencing homelessness.
• Program Availability: The Dallas-Fort Worth-Arlington metro area is an eligible region for the Section 811 PRA program.

Austin and Central Texas

• Public Housing Authorities: The Housing Authority of the City of Austin (HACA) and the Housing Authority of Travis County (HATC) manage local voucher and public housing programs.
• Non-Profit Providers: Accessible Housing Austin! (AHA!) is a specialized non-profit that develops and manages affordable and fully accessible integrated housing for people with disabilities. Other organizations like Family Eldercare and the Mary Lee Foundation also provide special-needs housing.
• Key Navigators: The Area Agency on Aging of the Capital Area is the region's ADRC.
• Program Availability: The Austin-Round Rock metro area is an eligible region for the Section 811 PRA program.

San Antonio and Bexar County

• Public Housing Authority: Opportunity Home San Antonio administers a variety of programs, including Public Housing and specialized vouchers like Mainstream and HUD-VASH.
• Non-Profit Providers: San Antonio Independent Living Services (SAILS) is a Center for Independent Living that provides advocacy, information, and transition services.
• City Programs: The City of San Antonio's Neighborhood and Housing Services Department offers rental assistance programs to prevent eviction and promote housing stability.
• Program Availability: The San Antonio-New Braunfels metro area is an eligible region for the Section 811 PRA program.

El Paso and Far West Texas

• Public Housing Authority: The Housing Authority of the City of El Paso (HACEP, also known as HOME) is the primary local housing authority.
• Key Navigators: Project Amistad operates the region's ADRC, providing a one-stop shop for housing navigation and application assistance. Volar Center for Independent Living is another critical advocacy and resource organization.
• Non-Profit Providers: The Opportunity Center for the Homeless provides a wide range of permanent supportive housing options for individuals with disabilities. AYUDA Inc. offers home repair and modification programs.
• Program Availability: The El Paso metro area is an eligible region for the Section 811 PRA program.

The Rio Grande Valley (Hidalgo, Cameron, Willacy Counties)

• Public Housing Authorities: Numerous local PHAs serve the region, including those in McAllen, Harlingen, Brownsville, and Edinburg.
• Key Navigators: The local ADRC serves Cameron, Hidalgo, and Willacy counties, providing a streamlined access point for benefits and housing information.
• Non-Profit Providers: Valley Association for Independent Living (VAIL) and Coastal Bend Center for Independent Living provide crucial advocacy and transition services. The Westbrook Clinic offers specialized housing assistance for persons living with HIV.
• Program Availability: The Brownsville-Harlingen and McAllen-Edinburg-Mission metro areas are eligible regions for the Section 811 PRA program.

West Texas (Abilene, South Plains, etc.)

• Regional Housing Authorities: In more rural areas, regional authorities often serve multiple counties. The Abilene Housing Authority covers 20 counties in West Central Texas, and the South Plains Community Action Association administers voucher programs across 14 counties near Lubbock.
• Key Navigators: The West Central Texas Aging and Disability Resource Center (WCT-ADRC) is the primary information and referral service for a 19-county region around Abilene.
• Program Availability: These regional authorities administer specialized programs, including Mainstream Vouchers and Money Follows the Person vouchers for individuals transitioning from institutional care.

Conclusion

The journey to finding stable and accessible housing in Texas can be demanding, but it is far from impossible. A robust, albeit complex, network of programs and organizations is in place. They offer everything from rental subsidies and supportive living environments to grants for home modifications and pathways to homeownership.

The key to success lies in understanding that this system is not a single entity but a decentralized web of local providers. Each of these providers serves as a crucial access point to the assistance you need.

The primary avenues of support fall into several key categories. These include tenant-based rental assistance like the Housing Choice Voucher program, project-based supportive housing like the Section 811 PRA program, and grants like the Amy Young Barrier Removal program. Foundational legal protections under the Fair Housing Act guarantee equal opportunity for all.

While the sheer number of options may seem daunting, the path forward can be simplified to a clear and actionable first step. For any Texan with a disability beginning their housing search, the most effective starting point is to contact their regional Aging and Disability Resource Center (ADRC) or to dial 2-1-1. These two resources are designed to cut through the complexity, assess individual needs, and provide direct referrals to the specific local agencies that can turn the search for a house into the reality of a home.

Frequently Asked Questions