The Caregiver Burden Spot

Category: Resources and Guides

  • How to Manage the Financial Stress of Family Caregiving

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    Facing the Cost of Care: Carla’s Story

    The financial realities of family caregiving can hit hard.

    Just a year ago, Carla’s semi-retired husband Mike was still working part-time at the local hardware store. But his diabetes got worse. Then came the stroke.

    Now, Mike needs help with almost everything. Carla helps him bathe, eat and get to his doctor appointments.

    The bills are adding up fast. Between Mike’s new wheelchair, home care supplies and gas expenses for all the doctor visits, their nonretirement savings are almost gone.

    She tried cutting back on nonessential expenses, but that hasn’t eased her financial burden very much. Groceries and Mike’s meds are essential expenses that just don’t wait.

    Carla doesn’t complain. “He’d do it for me,” she says. Still, the worry keeps her up some nights. She prays quietly, asking God for strength …

    Navigating Financial Stress While Providing Care

    Many caregivers pay out of pocket for medical supplies, travel and daily needs with little help. Over time, these costs add up and can cause stress, fear and even guilt.

    Millions of caregivers are walking the same path. This post offers encouragement, practical tips and a few gentle reminders that your well-being matters too.

    Let’s look at the cost of caregiving and how to ease the financial pressure while still providing the care your loved one needs.

    Understanding the Hidden Costs of Caregiving

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    Caregiving often starts slowly. At first, you may just need to run a few errands for a loved one who doesn’t live with you. Then, it escalates cooking and delivering meals, helping with doctor visits and more.

    Over time, the associated costs grow. It’s not a matter of if this will happen, it’s when.

    Here are some common out-of-pocket expenses many family caregivers face:

    • Prescription medications
    • Home safety equipment, like grab bars or walkers
    • Incontinence products and medical supplies
    • Transportation to and from appointments
    • Meal prep or grocery delivery
    • Lost income from reducing work hours or quitting a job

    These expenses don’t always feel big at first. But when you add them up over weeks and months, they can create serious financial stress.

    Pro Tip: Start tracking your caregiving-related expenses. Even a simple notebook or phone app can help. Knowing where your money goes is the first step to taking back your financial control.

    Find financial help you may have missed.

    Many caregivers don’t know there are programs that can help. It’s worth the time to explore available resources. Some could cover costs you’re paying for now.

    Here are a few places to start:

    • BenefitsCheckUp.org – Helps you find federal, state, and local programs like Medicaid, SNAP (food assistance), and utility help.
    • Veterans Affairs (VA) – If your loved one is a veteran, the VA may offer caregiver support, respite care, or a monthly stipend.
    • Area Agencies on Aging (AAA) – These local offices can connect you with free or low-cost services in your area.
    • State Family Caregiver Support Programs – Some states provide training, counseling and small grants to help cover caregiving costs.

    Trust me. Help is out there. I found out that often you just have to know where to look. Read more about my experience with BenefitsCheckUp.org.

    Pro Tip: Don’t be afraid to ask questions. Contact your local senior center or social services organization. They’re equipped to help you find what’s available.

    Set boundaries with your budget — and your heart.

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    When you love someone, it’s hard to say no. You may feel guilty for not doing or giving more. But you have to take care of yourself too.

    Creating a caregiving budget can help you continue giving care without burning out or going broke.

    Here’s how to get started.

    1. List all caregiving costs for the month.
    2. Set a spending limit based on your income.
    3. Look for expenses you can cut or find alternatives. For example, can you access free transportation services or buy medical supplies in bulk to reduce their overall costs?
    4. Revisit your budget monthly.

    Also, be honest with family members. Let them know when the increasing expenses become too much for you to handle alone. Ask if they can help, even in small ways.

    Could someone pitch in for groceries once a month? Could another family member cover one medication cost?

    Pro Tip: Use “I” statements when you talk to family. For example, “I’m finding it hard to keep up with some of the costs. Could we talk about ways to share the expenses?”

    Small Money-Saving Habits That Add Up

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    You don’t need to overhaul your whole life to ease financial stress. Small changes can lead to big relief over time.

    Here are some budget-friendly ideas:

    • Buy generic items. Store-brand medications and products are often much cheaper than name brands.
    • Use community services. Some churches or nonprofits offer free meals, transport, or help with chores.
    • Plan meals well in advance. Weekly meal planning can save on food waste and last-minute takeout.
    • Set up auto-refill prescriptions. This prevents missed doses and extra trips to the pharmacy.
    • Ask about senior discounts. Many stores offer discounts, even on medical supplies.

    You’re doing your best. Finding ways to save on caregiving costs doesn’t mean you have to sacrifice quality or your loved one’s safety. Saving is a way to care for yourself as much as you care for others.

    Start managing the financial stress of caregiving today.

    Caring for someone you love can feel like a full-time job on top of everything else you already have going on in your life. It’s okay to feel overwhelmed by the cost of caregiving. That’s human.

    Start with a phone call, a budget plan or a conversation with your family. Each step moves you closer to relief.

    Managing the Stress of Caregiving Costs FAQ

    What are the average costs of family caregiving?

    Many caregivers spend around $7,000 to $10,000 per year out of pocket. Costs vary based on medical needs, supplies and any lost wages.

    Can caregivers get paid for their work?

    In some cases, yes. Some Medicaid programs and the VA offer payments to family caregivers. Check your state’s programs or talk to a social services organization.

    How can I ask my family for financial help without feeling guilty?

    Use open, honest communication. Focus on the shared goal of caring for your loved one. Start with small asks and build from there.

    Are there free resources for family caregivers?

    Yes. Local area agencies on aging, nonprofits and faith-based groups often offer free support, classes or supplies.

    What’s one thing I can do today to reduce financial stress?

    Start tracking your caregiving expenses. Awareness is the first step toward taking back control and asking for help.

  • Quick Tips to Manage Stress from Family Caregiving

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    Managing stress is a recurring theme in many online caregiver forums these days — and for good reason.

    Caring for a loved one can be a beautiful gift. But it also brings emotional, physical and mental strain. If you’re feeling overwhelmed, you’re not alone. Family caregiver stress is real, and acknowledging it is the first step toward managing it.

    What’s caregiver stress?

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    Caregiver stress happens when the demands of caregiving start to take a toll. This kind of stress can affect your body, your emotions and your relationships.  

    Common causes of caregiver stress include:

    • Constant responsibility with little or no time off
    • Emotional weight like guilt, sadness or frustration
    • Lack of support from family, friends or professional caregivers
    • Financial strain from medical bills, missed work or the costs of caregiver-friendly home changes

    Signs you may be experiencing caregiver stress include:

    • Feeling tired all the time
    • Getting irritated easily
    • Trouble sleeping or eating
    • Feeling sad or hopeless
    • Withdrawing from others

    If left unaddressed, stress can lead to burnout. Caregiver burnout a deep sense of emotional, mental, and physical exhaustion.

    Protecting Your Mental Health

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    Your mental health matters just as much as your loved one’s well-being. One of the most powerful steps you can take is permitting yourself to feel. It’s okay to feel frustrated, worried or even angry. Suppressing these emotions only increases stress.

    Talking to a therapist, counselor, or pastor can help you work through hard feelings. Even journaling for a few minutes each day can help you process what you’re going through. Set healthy emotional boundaries: Say no when you need to and don’t feel guilty for needing rest.

    Protecting your peace is necessary. When you care for your mind, you can care better for others, too.

    Simple Strategies to Reduce Stress

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    Even small changes can make a big difference. Here are some ways to lighten your load and feel more balanced.

    1. Get organized.

    • Use a weekly planner to schedule tasks and personal time.
    • Prioritize what must get done versus what can wait.
    • Share responsibilities with family, friends and others when possible.

    2. Practice self-care.

    • Take short walks, stretch or try guided relaxation.
    • Set aside time for a hobby or something that brings you joy.
    • Use breathing exercises or quiet time you spend in prayer.

    3. Build a support network.

    • Join a local or online support group for caregivers.
    • Talk openly with friends or family about your needs.
    • Reach out to your place of worship or community center for help.

    4. Use helpful tools.

    • Try caregiving apps to manage meds, appointments and tasks.
    • Consider respite care to get regular breaks.
    • Use journals or guided relaxation tools to unwind.

    5. Educate yourself.

    You’re not alone.

    It’s okay to ask for help. It’s okay to feel tired. You’re doing something important, and you deserve support too.

    Caregiver Stress Management FAQ

    1. How do I know if I’m experiencing caregiver burnout?

    Look for signs like chronic fatigue, irritability, sleep problems or feeling hopeless. If these persist, you may be experiencing burnout.

    2. What’s a quick self-care tip I can try daily?

    Try five minutes of deep breathing or a short walk outside. Small resets can make a big impact.

    3. What if I don’t have any support from family or others?

    Start by connecting with an online support group. You’re not alone, even if it feels that way sometimes.

    4. Are there affordable or free resources for caregivers?

    Yes. Many free apps help track meds, appointments and tasks. Local nonprofits often offer free or low-cost respite care.

    5. Can faith help with caregiver stress?

    Many caregivers find strength in prayer or faith-based communities. Spiritual care can be a powerful source of comfort.

  • 5 Free Resources From the NIA That Help Reduce Caregiver Stress

    Support for Family Caregivers at the Breaking Point: Rachel’s Story

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    Every morning before sunrise, Rachel brews a pot of coffee and gently wakes her father, Frank. At 78 years old, Frank is still charming, but slowly fading into the fog of dementia. Once a school principal who never forgot a name, Frank now struggles to remember Rachel’s. She helps him bathe, eat and stay calm during his bouts of confusion.

    Rachel does this all while raising two teens and working part-time from home.

    One day, her dad wandered away from home and couldn’t find his way back. Rachel sat on the porch in tears. She realized that just her love for her dad wasn’t enough. She needed real tools, support and knowledge to carry on her caregiving without breaking.

    Later that evening, she found a government website with step-by-step tips for caring for someone with dementia. She felt a wave of relief. For the first time in weeks, she slept through the night.

    If you’re a caregiver like Rachel, ask yourself: Where do you turn for reliable, calming guidance when the stress feels too heavy?

    Caregiver Resources Spotlight: National Institute on Aging

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    Caring for an aging loved one is a big job. Between doctor’s appointments, meals, medications and emotional support, it’s easy to feel overwhelmed and experience burnout. But you’re not alone. The National Institute on Aging, or NIA, offers trusted, free resources to guide and support caregivers like you.

    Let’s look at five simple ways you can use the NIA website to ease your caregiver burden and keep helping your loved one age with dignity.

    1. Get started with confidence.

    Starting your caregiving journey can be confusing. The NIA’s Getting Started with Caregiving section is a great first step. It explains what caregiving is, what tasks may be involved and how to prepare yourself for the role.

    You’ll find guidance on:

    • What to expect when caring for a parent or spouse.
    • How to manage medical appointments and medications.
    • Setting up a care plan.

    Using this page can help you build a strong foundation and feel more prepared.

    2. Learn how to take care of yourself too.

    Caregivers often forget to care for themselves. The NIA reminds us that your well-being matters too. Their self-care advice includes tips on managing stress, getting rest and staying connected with others.

    They even offer a free Caregiver’s Handbook that addresses:

    • Dealing with burnout.
    • Asking for help.
    • Sharing caregiving responsibilities with others.

    Reading just one article could give you a new idea that lightens your load.

    3. Explore health and aging topics.

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    Whether your loved one has diabetes, dementia or just needs help staying active, the NIA covers it all. Their AgePage fact sheets are short and easy to read. Topics include:

    • Alzheimer’s disease
    • Falls and safety at home
    • Planning for future care

    There’s also a special section on healthy aging, which encourages:

    • Exercise and movement
    • Healthy eating
    • Staying social and independent

    You can print or bookmark the pages you need. Most are available in Spanish too.

    4. Find help for Alzheimer’s and memory loss.

    If your loved one has Alzheimer’s or another memory condition, check out the NIA’s Alzheimer’s Disease Education and Referral, or ADEAR, Center. It offers reliable answers to your hardest questions.

    You can:

    • Read guides on how to manage behavior and safety.
    • Learn what to expect in each stage of dementia.
    • Call or email their support team for help.

    This resource is a must for caregivers navigating memory loss.

    5. Order free NIA publications for home delivery.

    Many of the NIA’s helpful online guides are also available to order in print — for free! You can order booklets, tip sheets and DVDs to keep on hand or share with others. They even offer materials in Spanish and formats that are easy for older adults to read .

    To order, you can call 1-800-222-2225 or visit https://order.nia.nih.gov/.

    You’re not alone in this journey.

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    The NIA is a trusted partner for caregivers. From beginner tips to disease-specific help, they offer real support backed by science and heart. And it’s all free.

    Let the NIA lighten your caregiving load — one resource at a time.

    National Institute on Aging Resources FAQ

    1. What is the National Institute on Aging, NIA?

    It’s a government agency that shares research and resources on aging and caregiving. Their website is full of free tools for families.

    2. How do I start caregiving for a loved one?

    Start by reading the NIA’s “Getting Started with Caregiving” section to understand the basics and create a care plan.

    3. Does the NIA website offer help for caregivers dealing with Alzheimer’s?

    Yes. The NIA’s ADEAR Center offers advice, guides and direct support for Alzheimer’s caregivers.

    4. Can I get printed materials from the NIA?

    Yes. You can order booklets and tip sheets online or by phone, and they ship for free in the U.S.

    5. Are these resources available in Spanish?

    Many are available in Spanish. To explore Spanish-language materials, just visit www.nia.nih.gov/espanol.

  • 7 Easy Steps to Giving Better Hugs as a Caregiver

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    I think some people just give great hugs. You know the kind: the ones that make you feel safe enough to cry when you need to. Those kinds of hugs don’t just comfort us. They help us feel seen and supported.

    I’ve also met people who didn’t like hugs much at first. But over time, even they became more open to hugs and being close. That shows that hugs can be powerful, even healing.

    As caregivers, giving a warm, safe hug can be a simple but powerful way to show someone you care. Here’s how to give hugs that really matter.

    Why Hugs Matter

    A good hug can lower stress, reduce anxiety and even help with feelings of sadness. Research shows that hugs lasting 20 seconds or more can trigger the release of oxytocin, often called the “love hormone” or “bonding chemical.” This helps people feel calm, cared for and connected. That’s something we all need, especially during tough times.

    A study in Psychological Science found that people who received more hugs were less likely to get sick from stress-related illnesses.

    Step 1: Ask first.

    Before hugging someone, check their body language. Do they seem open to it? Are their arms reaching out? If you’re unsure, just ask them:

    “Would you like a hug?”

    This might feel a little awkward at first, but it shows respect and makes the other person feel safe. Some people — especially those who’ve experienced trauma — may not want to be touched. And that’s totally okay.

    Step 2: Be genuine.

    A hug only works if it feels real. Don’t rush in or do it just because you feel like you should. Make eye contact. Smile. Be calm. Let your body language show that you truly care.

    Step 3: Hug in a comfortable way.

    Hugs don’t need to be perfect, but comfort matters. A good method is the “diagonal hug”:

    • One arm goes over their shoulder.
    • The other arm goes under their opposite arm.
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    This feels more natural and gives a feeling of balance and safety. If the person is shorter, taller, or has mobility issues, adjust to what works best for them.

    Step 4: Use the right pressure.

    Hug too tight and it can feel overwhelming. Hug too loosely and it may seem like you don’t care. Try to give a soft but steady squeeze — just enough to say, “I’m here with you.”

    Step 5: Be present in the moment.

    When you’re hugging someone, really be there. Don’t check your phone, look around or pat their back too much. Take a deep breath and let the hug speak for itself. This moment of connection is more powerful when you’re focused and calm.

    Step 6: Keep it going, but not too long.

    About 20 seconds is the sweet spot. That’s how long it takes for oxytocin to kick in. But always pay attention to the other person’s comfort. If they start to pull away, don’t force the hug to go longer.

    Step 7: End the hug with kindness.

    Let go slowly. Give a warm smile. Maybe say a kind word like, “You’ve got this,” or “I’m here for you.”

    Little actions like these can help the other person feel even more supported.

    Final Thoughts on Better Caregiver Hugs

    On the surface, hugs might seem like a small thing. But for caregivers, they can be one of the most loving tools you have. They don’t take much time, but the impact can be huge for both you and the person you’re caring for.

    It’s true: not all hugs are created equal. A meaningful embrace combines awareness, technique and empathy.

    These seven steps can help you master the art of the caregiver hug. Just keep making each one safe, sincere and soothing.

    This is a quick reference of the types of hugs and desired results.
    Quick reference for hug and touch types and related results.
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  • How to Research Benefits for Your Loved One Using BenefitsCheckUp

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    An Eye-Opening Caregiver Moment

    In 2012, I faced a stressful caregiving challenge with one of my aging siblings. He was legally blind, financially challenged and he lived alone. I knew he had to qualify for some benefits programs, but I was overwhelmed with the question of where to start in getting him some help.

    A short time later, I received a random email about a government website that would help me up my caregiving game. Here’s the 411.

    Finding Benefits Programs for Aging Loved Ones

    Caring for an aging loved one or someone with a disability can be overwhelming. Many families don’t realize there are helpful senior benefits and programs available that can ease financial stress. These programs can help cover costs like food, medicine, housing, health care and utilities.

    One of the best tools for finding these resources is BenefitsCheckUp. It’s a free service created by the National Council on Aging, or NCOA. This easy-to-use tool helps connect older adults with benefit programs in their area.

    In this post, I’ll walk you through how to use BenefitsCheckUp to find support for your loved one. Whether you’re looking for food assistance or help paying for prescriptions, this guide can help you get started, because managing caregiver stress is important.

    Getting Started with Benefits Programs Research

    Blog Post Recap Video

    What BenefitsCheckUp Does

    BenefitsCheckUp was designed to help people over 60 and those with disabilities find the help they may qualify for. Millions of older adults miss out on support simply because they don’t know what’s available. This tool connects users with over 2,500 public and private benefits programs across the country.

    Some examples of benefits it can help you identify include:

    • Food assistance through the Supplemental Nutrition Assistance Program, or SNAP
    • Help paying for prescription medications
    • Health care savings through Medicare programs
    • Utility bill assistance
    • Support with housing or rent

    These programs are often based on income, household size, or medical need. BenefitsCheckUp helps you figure out which ones your loved one may be eligible for — without having to search each one individually.

    How the Screening Process Works

    Start by going to benefitscheckup.org and entering your ZIP code. This allows the tool to show only the programs available in your loved one’s area. You can then answer a few questions about their age, income, medical expenses and other basic information.

    After answering the questions, you’ll receive a free, personalized report. This report outlines the benefit programs they may qualify for and what steps to take next. You can even email the report to yourself or download it as a PDF to share with family members or caregivers.

    Visit BenefitsCheckUp and start the screening today. It takes just a few minutes and could help your loved one save money and get the help they need.

    Navigating the Application Process

    Reviewing and Using Eligibility Results

    Once you complete the screening on BenefitsCheckUp, you’ll get a personalized results report. This report shows which benefits programs your loved one may qualify for and how to apply. It includes:

    • Names of programs and a short description of each
    • Eligibility status—whether your loved one likely qualifies
    • Links to apply online or download application forms
    • Contact information for the agency offering the benefit

    The tool gives you choices. You can apply online directly through an agency’s website, call them for more information, or print forms to send by mail. You can also save the report to your device or print it out for later use.

    This step helps you move from research to action—so your loved one can start getting the help they need.

    Types of Benefits Programs Available

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    BenefitsCheckUp connects you to a wide range of senior benefits. Here are some of the most common programs available:

    • SNAP — Helps pay for groceries
    • Medicare Savings Programs — Lowers Medicare premiums and out-of-pocket costs
    • Prescription Assistance — Offers discounts, rebates and coupons for medications
    • Utility Bill Support — Helps with home heating and cooling costs
    • Housing and Rental Aid — Assists with rent or finding affordable housing options

    You can explore different categories based on your loved one’s needs. The tool organizes options into easy sections like “Food & Nutrition,” “Health Care,” “Housing,” and “Income Assistance.”

    Go back to your report and check which programs matter most to your loved one. Choose one or two and follow the steps to apply right away.

    Practical Tips and Support

    Is BenefitsCheckUp legit?

    Still sounds too good to be true, huh?

    If this is your first time using BenefitsCheckUp, you probably have questions. Here are a few of the most common ones.

    • Is BenefitsCheckUp free? Yes, it’s 100% free to use. There are no hidden costs or fees.
    • Is my information safe? Yes. The site is private and confidential. Your answers are not shared without your permission.
    • Can I apply directly on the website? For most programs, no. But the site gives you direct links to the official applications or tells you how to apply.
    • Can I use the tool for someone else? Yes! You can answer the questions for your parent, grandparent or other loved one. Just be sure the answers apply to their specific situation.

    BenefitsCheckUp makes the process simple and stress-free. You don’t need to be an expert in benefits programs — just follow the steps and the tool does the hard work.

    Getting Personalized Help

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    Still think you need more help? BenefitsCheckUp offers several ways to get personal support if you’re unsure about the next steps:

    • Live Chat — Use the “Chat With Us” button to talk to a support person online.
    • Phone Support — Call the hotline at 1-800-794-6559 (Monday–Friday, 8 a.m. to 7 p.m. ET).
    • In-Person Help — Visit a local Benefits Enrollment Center to speak with someone face-to-face.

    These options are great if you’re helping a loved one who isn’t tech-savvy or if you need guidance through the application process. You can also ask about special cases, like support for disabled individuals or grandparents raising grandchildren.

    If you’re stuck or unsure about the results, don’t hesitate. Use the chat or call the hotline to get friendly, expert help.

    Take the first step in researching benefits programs.

    Supporting a loved one through aging or health challenges is hard, but finding financial help shouldn’t be. Thanks to BenefitsCheckUp, researching senior benefits has never been easier. Within a few minutes, you can find out what help is available and how to get it for yourself or your loved one.

    I did.

    Whether you’re looking for food assistance, prescription savings or help with housing, this tool brings valuable benefits programs to your fingertips. Take the first step today and empower your loved one to live with dignity, security and peace of mind.

    To get started, visit BenefitsCheckUp.org.

    BenefitsCheckUp FAQ

    What types of senior benefits can I find using BenefitsCheckUp?

    BenefitsCheckUp helps you find many kinds of support, including food assistance, help with medical bills, prescription savings, utility bill support and housing programs. It’s designed to match older adults with the benefits programs they may qualify for based on where they live.

    Can I use BenefitsCheckUp for someone else, like my parent or grandparent?

    Yes, you can! If you’re helping a loved one, just answer the questions based on their personal information. This is a great way to support someone who may not be comfortable using the internet.

    Do I need to give my Social Security number or personal documents?

    No, BenefitsCheckUp does not ask for your Social Security number. The tool keeps your information private and does not require documents to do a benefits screening. However, the agency you apply to may ask for this later during the application process.

    Is BenefitsCheckUp only for people over 65?

    BenefitsCheckUp is mainly for adults age 60 and older, but some benefits programs listed do not have age limits. People with disabilities and certain low-income households may also qualify for support through the site.

    What if my loved one doesn’t use a computer — how can they get help?

    No problem. You can call the BenefitsCheckUp support line at 1-800-794-6559 to speak with someone directly. You can also visit a local Benefits Enrollment Center to get help in person.