Colorado's Old Age Pension (OAP)

Page Reviewed / Updated - Mar. 2016

Program Description

Colorado’s Old Age Pension (OAP) program provides financial assistance to elderly, low-income Colorado residents to help them attain a minimum monthly income. To be clear, this program does not provide a consistent lump sum of financial assistance, but rather the amount varies and is the difference between the participant's current income and what is determined to be the minimum acceptable level of income for a particular year.

In addition to financial assistance, the OAP program provides some individuals, who do not qualify for Medicaid, with dental and health care benefits. This part of the program is referred to as the OAP Health and Medical Care Program. One might also hear it referred to as the State Medical Program, the Modified Medical Program, OAP State Only Program, or Limited Medicaid.

 Colorado residents might also find assistance from the Consumer Directed Attendant Support Services (CDASS) Program, the Home Care Program or the Adult Foster Care Program.


Eligibility Guidelines

To be eligible for the Old Age Pension, applicants must be 60 years of age or older, a U.S. citizen or a legal alien, and a Colorado resident. As an individual, he or she can have resources valued at up to $2,000, or as a married couple, up to $3,000. In 2016, applicant's monthly income cannot exceed $771 (which is also the maximum benefit amount).

There is an additional qualification for the health care benefits portion of the program (OAP Health Care Program), which is that participants must be between 60 and 65 years of age. This rule exists because at the age of 65 other health insurance programs become available, specifically Medicare.


Benefits and Services

Individuals can receive up to $771 a month, but this amount may be reduced by other income such as Social Security, Supplemental Security Income or Veteran's Assistance. Individuals receiving Old Age Pension grants that don’t qualify for Medicaid also can receive medical benefits, although these benefits focus more on immediate medical needs instead of long-term care.


How to Apply / Learn More

One can learn more about the OAP or apply for benefits through their County Department of Social Services. Contact information can be found here.   

There are several files available for download which contain additional information about this program here