Certified Benefits Counselors provide accurate relevant information regarding Medicare, Medicaid, Social Security, Disability, Veteran's Benefits, Railroad Retirement, Medigap Supplement Insurance, HMO's, Long-Term Care Insurance, COBRA, Advance Directives, Money Management, Discrimination, Abuse, Neglect, Exploitation, Immigration Issues, Consumer Issues, Entitlement Programs, Utility Assistance, Prescription Assistance Programs, Teacher's Retirement, Fraud and Scams. The Area Agency on Aging provides Benefits Counseling services to those 60+, as well as those who are otherwise eligible for Medicare. Certified Counselors have resources and backup available through the Texas Department on Aging, Texas Department on Insurance and Texas Legal Services.