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• Under both programs Part B premiums are put back into the monthly Social Security check, making participants' monthly income increase.

• The QMB program will pay the Medicare co-payments and deductibles.

• The participant pays for Medicare services that aren't covered, such as routine physicals and outpatient prescription drugs.

Provides family subsidized and market rate housing

• Included in rent: cold/hot water, sewer and heat

• Coin operated laundry facility and hook ups

• Attached garage

• Playground

• 100 Units of low income housing

• Based on 30% of adjusted annual income

• 1 bedroom apartments | 2 bedroom aparments

Educational Program - Programs provided by entrepreneurs for entrepreneurs to help with business skills, connections, and potential growth, including workshops and training. For current programs, click here Loans and Advising - Loans with no-cost advising. Loans offered:

• City of Cook Economic Recovery Fund: Loan for local business in the city of Cook who are recovering from the summer 2024 flood

• Gap Financing: Loan covers the "gap" between various sources of funding and the total cost of the project. Used for commercial real estate projects, such as mortgage or major renovation and has more flexibility than traditional lenders

• Healthy Food Fund: Specialized loan for local food retailers and producers that helps with replacing dated equipment, investing in technology, expanding business, purchasing inventory, hiring staff, updating building, purchasing new or existing store, and more

• SBA Microloan: Start up loan for working capital, inventory, or equipment purchase

• Working Capital Loan: Loan provides access to cash for various projects and investments such as marketing campaigns, purchased inventory, upgrade equipment, or expand business operation.

Provides Supplemental Nutrition Assistance Program (SNAP) outreach and application assistance. SNAP, formerly known as Food Stamps, is designed to assist low-income individuals in accessing nutritious food from grocery retail outlets, as well as farmers' markets. The goal is to help people make an informed decision about what hunger resources are available to them to ensure an overall successful transition from poverty to self-sufficiency.

• Provides financial assistance to households to pay a portion of their home heating cost. The size of the household grant is based on household size, income, fuel type and energy usage. Grants are sent directly to client's fuel vendor and/or electric vendor

• Mail out applications available

• Energy Related Repair Program is available to EAP eligible homeowners that occupies the home and has a hazardous and life threatening situation, has no heat, or has a malfunctioning heating system

• Individuals should call for applications(or an application is on the bicap website available to download). Applications will be processed in the order in which they were received. If household is in an emergency situation, can call the Energy Assistance Program staff to see if immediate assistance is available based on funding and the completion of the application.

• Under both programs Part B premiums are put back into the monthly Social Security check, making participants' monthly income increase.

• The QMB program will pay the Medicare co-payments and deductibles. For example, if enrolled in the QMB program, the participant does not have to pay the annual part B deductible, the 20% part B co-payment, or the part A hospital deductible.

• The participant pays for Medicare services that aren't covered, such as routine physicals and outpatient prescription drugs.

LOS is a program that helps families with children under age 21 and pregnant women who are in an emergency situation. LOS can give emergency help for 30 days in a 18-month period.

Provides general information on child care assistance programs to help families pay for child care. Will help determine eligibility for child care assistance including the Minnesota At-Home Infant Care Program - AHIC which provides financial help to families with a child under one year of age to cover some of the costs of a parent staying home to care for the child.

MAC is a food commodity program for children 5 and 6 years of age, 12 months postpartum women, non-breast feeding and not utilizing WIC Food provided includes: - Canned fruit

• Vegetables

• Juices

• Milk

• Meat

• Dry beans

• Peanut Butter

• Cereal

• Rice or pasta

• Cheese Program is funded through the U.S. Department of Agriculture

• Must be income eligible

• Links to Human Service Programs

• Job Search

• Programs and services based on needs of service area

Educational Program - Programs provided by entrepreneurs for entrepreneurs to help with business skills, connections, and potential growth, including workshops and training. For current programs, click here Loans and Advising - Loans with no-cost advising. Loans offered:

• City of Cook Economic Recovery Fund: Loan for local business in the city of Cook who are recovering from the summer 2024 flood

• Gap Financing: Loan covers the "gap" between various sources of funding and the total cost of the project. Used for commercial real estate projects, such as mortgage or major renovation and has more flexibility than traditional lenders

• Healthy Food Fund: Specialized loan for local food retailers and producers that helps with replacing dated equipment, investing in technology, expanding business, purchasing inventory, hiring staff, updating building, purchasing new or existing store, and more

• SBA Microloan: Start up loan for working capital, inventory, or equipment purchase

• Working Capital Loan: Loan provides access to cash for various projects and investments such as marketing campaigns, purchased inventory, upgrade equipment, or expand business operation.

Provides household stability counseling, case management, planning and longer-term support to address multiple needs and barriers. Also assists clients with finding employment, creating resumes, etc. Offers limited emergency financial assistance for transportation to employment for residents of Deephaven, Excelsior, Greenwood, Hopkins, Minnetonka, Shorewood and Woodland. This financial assistance is provided on a limited, case-by-case basis to help with prescription co-pays, minor car repairs, bus cards, employment related expenses, etc.

• Provides support, training, and social capital building opportunities for people struggling with poverty related issues.

• Volunteer opportunities available for community members who have a passion to alleviate poverty through: 1. Participation in direct relationships with the poor 2. Public and private advocacy for improved conditions for the poor.

• Seeking donations of time, services, foods, vehicles and money.

Temporary Assistance for Needy Families (TANF) Minnesota Supplemental Aid for Elderly or Disabled (MSA) General Assistance - For interim assistance during SSI application

Head Start is a preschool program that creates successful learners at no cost for families who qualify. It provides the best possible opportunities for children in preparation for Kindergarten. Programs work with families to make connections in the communities they live, support needs and set goals. Families at or below the Federal Income Guidelines are given priority, but all families are encouraged to apply. Information regarding Federal Income Guidelines can be on the website We also offer: Quality early childhood education both in and out of the home. Assistance for families in keeping children up to date with health, dental and nutrition needs. Educational opportunities for families. Referrals and support services for families. Support & services for children with special needs. Mental Health support services for children, families & staff. Parent leadership & volunteer opportunities. Home Based: Prenatal to 3 years of age Program includes weekly home visits and Play and Learn (PALs) opportunities twice monthly, year round. Available in: Beltrami County Center Based: Young Parent Program: Infants & Toddlers, 6 weeks to 36 months of age Program includes four full days per week of classroom experience September through May. Parents have two hours of classroom experience weekly. This program targets first-time, young parents offering assistance for them to be successful in completing educational goals and be engaged in the development of their child. Available in: Bemidji Center Based: 16 months to 3 years of ageProgram includes four full days per week of classroom experience with year-round classes.Available in: Blackduck & Bemidji Center Based: 3 years to 5 years of ageProgram includes four full days of classroom experience per week from September through May.Available in: Blackduck Bemidji Walker Pine River

• Provides housing for seniors 62 and older who are low income, Assiste living services are available; not included in rent.

• Social Activities

• Subsidized Rental Housing

• Allows cats under 30 pounds (only 1 pet per unit)

• Allows dogs under 30 pounds (only 1 pet per unit)

• Community Room

• Dining Room

• Elevator

• Laundry facilities

• On site beauty salon

• Security system

• Off street parking

• Public park within one mile

• Security Deposit (required)

• Utilities included in rent

• Lunch and Dinner served (not included in rent; is a separate expense charge)

• Mandatory meal program

Minnesota's Medicaid program for people with low income. Most people who have MA receive health care through health plans. Members who do not receive health care through a health plan receive care on a fee-for-service basis, with providers billing the state directly for services they provide. MA pays for a variety of services like doctor visits, prescriptions, and hospital stays. Some services and prescriptions may require prior approval. MA pays for medical bills going back three months from the month the application is received. NOTE: People with disabilities who work, even if they're over the income or asset limits of MA, may still qualify for a program called Medical Assistance for Employed Persons with Disabilities - MA-EPD.

Provides housing for: - Seniors age 62 and over

• Low income families

• Physically handicapped

• Developmentally handicapped 70 Units of which: - 60 are for seniors and disabled (both physically and developmentally)

• 5 are 3 bedroom houses

• 5 are 4 bedroom houses

Information, resources, and referral office to help people through difficult times. Staff provide an immediate assessment of emergency needs and offer resources to help deal with homelessness, chemical dependency, domestic abuse, unemployment, gambling addictions, mental health problems, and help with public assistance. Additional services offered at the center include:

• 7 bus passes for the general public daily; usually gone by 9:10 am. Can be accessed twice per month and an intake form must be filled out.

• Free telephone line, mailboxes for people who are homeless, hygiene items, and household goods

• Safe Bay is located in the parking lot and offers individuals and families living in cars and vans a place to rest without fear of crime, harassment, or being moved along by law enforcement or private security guards. Individuals and families can access showers, breakfast and housing navigation services provided by Daminao Center.

• Work related transportation:

• Gas vouchers: MUST have valid driver's license, proof of insurance, and proof of employment. Can only be accessed once per year.
• Bus pass: MUST have ID and proof of employment. The value of a bus pass is $25 and can only be accessed once per year.

• For Koochiching County call Sharon Frank at 218-283-5225 or 800-559-9491

Deferred Loan and Home rehabilitation assistance to low-income; generally used for carpenter work, mechanical work or utilities.

Minnesota's Medicaid program for people with low income. Most people who have MA receive health care through health plans. Members who do not receive health care through a health plan receive care on a fee-for-service basis, with providers billing the state directly for services they provide. MA pays for a variety of services like doctor visits, prescriptions, and hospital stays. Some services and prescriptions may require prior approval. MA pays for medical bills going back three months from the month the application is received. NOTE: People with disabilities who work, even if they're over the income or asset limits of MA, may still qualify for a program called Medical Assistance for Employed Persons with Disabilities - MA-EPD.

Provides Supplemental Nutrition Assistance Program (SNAP) outreach and application assistance. SNAP, formerly known as Food Stamps, is designed to assist low-income individuals in accessing nutritious food from grocery retail outlets, as well as farmers' markets. The goal is to help people make an informed decision about what hunger resources are available to them to ensure an overall successful transition from poverty to self-sufficiency.

Provides family subsidized and market rate housing in Itasca County