The federal government has several benefit programs designed to provide assistance to families and individuals in need of covering a range of categories. The goal of these programs is to encourage families to provide the necessary assistance so that beneficiaries can become self-sufficient, or (in the case with relief programs meant to help with bills) lower their expenses to a more manageable amount.

Medical expenses burden many families with unexpected stress that can disrupt their lives and overturn their finances, and put them in financial distress. Programs such as Medicare and CHIP can provide relief – out-of-pocket costs such as prescription drugs, dental care and medical bills can be reduced or covered entirely with this type of assistance. Eligibility requirements vary from state to state, so it is essential that you consider your own eligibility using resources available in your state.

More ordinary living expenses, such as phone and internet service or home utilities, are in some cases covered by government assistance programs as well.

The Federal Communications Commission's Lifeline program helps low-income families and individuals by providing a discount on landline or cell phone service, or in some cases, even a free phone. The requirements for this program are straightforward, and you may even be able to apply the discount against your existing phone plan. The best place to start is by finding a company in your area that offers Lifeline, and applying through them.

The Low Income Housing Energy Assistance Program offers help to qualifying low-income individuals and families facing emergencies like utility shutoffs, and even offers weatherization improvements to address inefficiencies. It also offers assistance to families that simply cannot afford their monthly heating costs. As with most programs, eligibility varies by region, so you should contact your local LIHEAP office to review the requirements and submit an application. Social services sometimes may be able to connect you with local nonprofit organizations offering funds to individuals, and certain utility companies may also offer adjusted payment options.

Welfare programs such as Temporary Assistance for Needy Families (TANF) are funded at the federal level, but managed at the state level. These programs are named differently in each state, and are fundamentally designed to be temporary. The goal is to support recipients who have experienced temporary difficulties with support while they achieve their independence. If you qualify, you'll be provided funding for expenses such as food, job training, child care, utilities, and housing.