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For Immediate Release
November 5, 2019
Contact: Katie Ward 603-689-8170

New Veterans Initiative Launched To Connect Low-Income Veterans With Underutilized Benefits

New Online Tool Aims to Help Thousands of Low-Income Massachusetts Veterans Access Financial Assistance

BOSTON – A new statewide initiative is being launched to help close the significant gap of low-income veterans in Massachusetts who are not accessing financial assistance that they are eligible for under state law, the Veterans Legal Clinic at the Legal Services Center of Harvard Law School (LSC) announced today.

Secretary Urena
Massachusetts Secretary of Veterans Services Francisco Urena speaks about the Massachusetts Veterans Benefit Calculator at the State House on November 5, 2019. (Photo courtesy of Secretary Urena.)

The new online tool – the Massachusetts Veteran Benefit Calculator – created by the Veterans Legal Clinic aims to help veterans easily determine if they may be eligible for financial assistance through a state program known as Chapter 115 Benefits. Massachusetts is home to approximately 325,000 of the nation’s veterans, too many of whom experience financial instability and struggle with poverty.

The announcement was made today by the Veterans Legal Clinic in collaboration with Massachusetts Secretary of Veterans’ Affairs Francisco Ureña, as well as Veterans Service Officers and other veterans organizations.

Low-income veterans can be eligible for state financial assistance under Chapter 115 if they fall under 200 percent of the federal poverty level and meet other eligibility requirements. However, there has been a persistent gap between the number of veterans eligible for these funds and the number of veterans who actually apply and access them. A 2017 report by the State Auditor’s Office found that between 2014-2016, only 14,390 individuals received Chapter 115 benefits. Thousands more veterans may be eligible. The Chapter 115 program also supports survivors and dependents of veterans, but many are unaware of the program.

“Veterans have earned these benefits through their service, yet we know that there is a major gap between those veterans who are eligible and those who access them. And a similar gap exists for widows and widowers of veterans.  We hope this online tool can make it a little easier to close these gaps,” said Betsy Gwin, Associate Director of the Veterans Legal Clinic at the Legal Services Center of Harvard Law School. “No veteran or survivor in Massachusetts should be struggling to avoid homelessness, to keep the lights on, or to feed their family, and this financial assistance can make all the difference. We are honored to share in this mission with the Department of Veterans Services and local VSOs across the Commonwealth.”

“The Department of Veterans’ Services works to ensure that Massachusetts veterans are supported after a career of service to our nation,” said Francisco Ureña, Secretary of the Massachusetts Department of Veterans’ Services. “This new online tool will help veterans and their families explore state benefits available to them with ease.”

“The process of applying and navigating benefits can be complex and daunting, on top of the other daily issues veterans are dealing with,” said Wesley Bigham, a Massachusetts Veteran who served in Afghanistan. “I wasn’t aware of Chapter 115 benefits when I came back from active duty and was unemployed, but it would have made a huge difference for my family. If I’d known about this financial assistance and had access to a tool like the Benefits Calculator, it would have been one of the first things I did when returning home.”

Outreach materials
Outreach and informational materials about the Massachusetts Veterans Benefit Calculator. (Photo courtesy of Secretary Urena.)

Under Chapter 115 of the Massachusetts General Laws, the Commonwealth, along with town and city governments, provides financial assistance for qualifying low-income veterans and their surviving family members who are struggling to make ends meet. The monthly financial assistance can be used to help veterans pay their medical bills, for emergency assistance, or to help prevent homelessness and utility shutoff. Monthly Chapter 115 benefits can range from a few dollars to over $1,000 per month, depending on the veteran’s income and expenses. The benefits are administered by the Department of Veterans Services (DVS) and local municipalities’ Veterans’ Service Offices (VSO).

Veterans and their dependents can visit the online calculator, answer simple questions, and receive an immediate estimate of their potential eligibility for Chapter 115 benefits. If they are eligible, users can download a form with their answers to the tool’s screening questions and connect with their local VSO. In partnership with the state, the VSO will assist the veteran or dependent with their official application for Chapter 115 benefits and manage the process of accessing benefits should the applicant meet eligibility requirements.

For more information, veterans should visit

The Veterans Legal Clinic at the Legal Services Center of Harvard Law School provides pro bono civil legal assistance to veterans and their family members.  Our goal is to protect the legal rights of the veterans community through determined, passionate, and effective advocacy.  In addition to representing individual clients, the Clinic also pursues broader initiatives to improve the systems that serve the veteran community.  And because it is part of the Legal Services Center, the Clinic is able to leverage a wide range of expertise and advocacy resources for our community’s most vulnerable members.


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