Official HUD Definition of Near-Elderly
The U.S. Department of Housing and Urban Development (HUD) uses specific definitions for housing program eligibility. A "near-elderly person" is officially an individual who is at least 50 years old but under 62. This definition is used for assessing eligibility for housing projects with preferences for elderly or disabled individuals. A person with a disability within this age range is also considered near-elderly.
The "Near-Elderly Family" Explained
HUD's near-elderly classification also applies to families. A "near-elderly family" is one where the head, co-head, spouse, or sole member is a near-elderly person. This can include two or more near-elderly persons living together or one or more near-elderly persons living with a live-in aide essential for their care.
Near-Elderly vs. Elderly vs. Disabled: A Comparison
HUD distinguishes between near-elderly, elderly, and non-elderly disabled individuals for housing programs.
| Classification | HUD Age Range | Key Characteristics |
|---|---|---|
| Near-Elderly | 50 to 61 years old | Includes individuals and families where a key member is in this range, including those with disabilities. |
| Elderly | 62 years of age or older | Individuals or families with at least one member aged 62+. Programs like Section 202 are for this group. |
| Non-Elderly Disabled | Under 62 years old | Individuals with a disability who are under 62. |
This comparison shows how HUD categorizes populations for housing resource allocation. Near-elderly is a phase before eligibility for senior-specific programs like Section 202.
Housing Options and Considerations for the Near-Elderly
Near-elderly individuals and families can be eligible for housing assistance. Key programs include the Housing Choice Voucher (HCV) Program (Section 8) and Public Housing. The HCV program helps low-income families afford private market housing, while Public Housing offers affordable rentals. Income limits apply and vary by location. Waiting lists for these programs can be long.
The Application Process for Housing Assistance
Applying for HUD housing assistance involves several steps:
- Contact Your Local PHA: Reach out to your local Public Housing Agency, which manages applications and waitlists.
- Complete the Application: Provide detailed information about your household, income, and assets. Background checks may be required.
- Provide Necessary Documentation: Submit documents to verify identity, income, citizenship, and residency.
- Prepare for a Waiting List: Be aware that wait times can vary significantly.
Conclusion: Strategic Planning for the Near-Elderly
Understanding the HUD definition of near-elderly is crucial for navigating housing options. Knowing your eligibility based on age, income, and family structure helps in planning for future housing needs. Exploring programs like the Housing Choice Voucher and contacting your local housing authority are proactive steps towards securing affordable housing.
For more information on federal regulations and definitions, consult the official U.S. government code of federal regulations for housing and urban development 24 CFR 5.403 -- Definitions..
