Chapter 115 is a Massachusetts state program designed to provide temporary financial and medical assistance to eligible veterans and their dependents who are facing financial hardship. Administered locally by Veterans Service Officers and reimbursed by the Commonwealth, the program ensures that veterans receive direct, timely support within their own communities.

Chapter 115 is a needs-based program, meaning eligibility and benefit levels are determined by your income, assets, household size, and individual circumstances. Each case is reviewed individually to ensure veterans and their families receive the appropriate level of assistance.

This program can help cover essential living needs, including:

• Housing and shelter expenses

• Food and basic daily living costs

• Clothing and fuel

• Medical care and related expenses

In addition to financial support, your local Veterans Service Officer provides guidance, advocacy, and ongoing case management—helping you navigate both state and federal benefits and connect with other available resources.

Eligible dependents of deceased veterans may receive the same benefits as if the veteran were still living.

If you do not live in Groton, please contact your local Veterans Service Officer for assistance.

Who Is Eligible?

To qualify, you must be:

• A veteran as defined by Massachusetts law, or

• A qualifying dependent of a veteran

Eligibility is based on service, discharge status, residency, and financial need.

How to Apply

To apply, contact your local Veterans Service Officer (VSO) to schedule an appointment. The VSO will review your situation, explain the program, and help you complete and submit your application.

Be prepared to provide:

• Military discharge papers (DD214)

• Proof of income (pay stubs, benefit letters, etc.)

• Housing expenses (rent or mortgage documentation)

• Documentation of dependent status (if applicable)

Additional documents may be required based on your individual circumstances.

Get Started

If you think you may be eligible or have questions about Chapter 115, reach out to your Veterans Service Officer. We’re here to help you access the support you’ve earned and ensure no veteran in our community goes without essential care. You can also use the online tool to check potential benefits.