Financial Help for Single Mothers in Maryland


There is no job tougher then being a mother. And it’s tougher and more stressful being a single mother.

With little resources at her disposal, singe moms are faced with countless struggles just to provide the barest necessities for their kids.

One stark example is their lack of proper education to attain gainful employment.

But in Maryland, the state offers support programs designed to cater to their most basic needs — helping them become self-reliant.


1Maryland Temporary Cash Assistance (TCA)


Temporary Cash Assistance (TCA) is a time-limited program that assists families with dependent children who could not afford even basic necessities. The program is designed to serve both single-parent and two-parent families, as well as households with disabled adults.

Families who need only short-term assistance may apply for a Welfare Avoidance Grant (WAG) where eligible families receive a one-time lump sum payment instead of monthly TCA benefits.

Apply in person at your local DSS office (click here) or you may also file an application online at Maryland SAIL — a web-based screening and application tool for all Marylanders to apply for benefits.


2Maryland Food Supplement Program


The Food Supplement Program (FSP) helps low-income households in Maryland buy the food they need for healthy eating. Eligibility is determined by certain factors, mainly your income & household size.

If you qualify for FSP, you’ll receive your benefits no later than 30 days from the date the office got your application. FSP benefits are issued electronically on a card that works like a bank ATM card.


3Maryland Medicaid


Under the ACA, Medicaid eligibility is expanding throughout the state to cover all Marylanders adults age 19-64 with income up to 138% of the Federal Poverty Level, or about $27,300 annually for a single mother of two.

Maryland Health Connection is the state’s health insurance marketplace for all Marylanders to enroll in Medicaid, MCHP and other health coverage.

If you don’t qualify for Medicaid, you can always shop for reduced-cost coverage through the Marketplace where you can compare different plans before you make a choice.


4Maryland Children’s Health Program (MCHP)


The Maryland Children’s Health Program (MCHP) gives full health benefits for uninsured children up to age 19, and pregnant women of any age who meet the income guidelines.1

Children under age 19, who are not eligible for Medicaid, and whose countable income is up to 322% of the federal poverty level (FPL); and pregnant women, whose countable income is at or below 250% FPL are eligible to apply.

Starting October 1, 2013, you can apply for MCHP through Maryland Health Connection. If you or your child is found eligible for MCHP, you can select a plan right away.


5Maryland Child Care Subsidy (CCS) Program


The purpose of the Child Care Subsidy (CCS) Program is to provide financial assistance with child care costs to eligible working families. Eligibility for the subsidy is based on income level and family size.

Eligible families receive a voucher from the local department of social services to take to the provider of their choice. The subsidy is paid bi-weekly directly to the provider and the remaining cost is co-paid by the recipient.


The wait list is now open for families with an annual gross income of $15,098 or less for a family of three. If you think you’re eligible, apply online via Maryland SAIL.


6Maryland Summer Food Service Program


The Summer Food Service Program (SFSP) is a program that helps children receive free, nutritious meal throughout the summer months. This program is funded the U.S. Dept. of Agriculture and is administered by the Maryland State Dept. of Education (MDSE).

It is open to children under the age of 18 but those who participate in other benefit programs, such as the SNAP, Medicaid or TANF are automatically eligible.


7Maryland Energy Assistance Program (MEAP)


The Maryland Energy Assistance Program (MEAP) helps pay home heating costs for low-income households, particularly those from the lower income bracket that pay a high proportion of their income for home energy.

In Maryland, households who qualify for MEAP can also sign up for the Utility Service Protection Program (USPP), which can help protect you from utility cut-offs.

To apply for any of these programs, contact the Local Home Energy Programs Office in your area or call 1-800-352-1446.


8Maryland Unemployment Insurance


Unemployment insurance provides benefits to persons who are unemployed through no fault of their own and who are ready, willing and able to work, and actively seeking work.

The current weekly benefit amount provided by the Maryland Unemployment Insurance Law ranges from a minimum of $50 to a maximum of $430 per week.

If you are unemployed, file your claim as soon as possible, as your eligibility begins the week in which you file your claim. Claims may be filed by telephone or you may choose to file your claim online.


9Howard P. Rawlings Guaranteed Access Grant


Funded by the state of Maryland, the Rawlings Guaranteed Access Grant offers eligible Maryland students financial aid that may cover up to $15,500 of full-time college tuition at any public or private college or university in Maryland.

To be considered for a Guaranteed Access Grant, you must complete and file the Free Application for Federal Student Aid (FAFSA), AND the Guaranteed Access (GA) Grant application before March 1 each year.


  1. Please refer to the MCHP Income Guidelines for details []