Terms of Service

Last reviewed: 2026 — The rules governing your use of this site and its tools.

Welcome to SeniorGovBenefits.com (the "Site"). The Site is owned and operated by James Anderson ("we," "us," "our"). These Terms of Service ("Terms") govern your access to and use of the Site, including all calculator tools, articles, and content available on it.

By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please discontinue use of the Site immediately.

1. Use of the Site

The Site is provided for general informational purposes to help visitors understand and estimate eligibility, costs, and benefits related to Medicare, Social Security Disability Insurance (SSDI), Supplemental Security Income (SSI), the Supplemental Nutrition Assistance Program (SNAP), and Veterans Benefits.

No account or registration is required to use the Site. You agree to use the Site only for lawful purposes and in a manner that does not infringe the rights of, or restrict or inhibit the use and enjoyment of, the Site by any third party.

2. Not Medical, Legal, or Financial Advice

The content, articles, and calculator tools on this Site are provided for informational and educational purposes only. Nothing on the Site constitutes medical advice, legal advice, tax advice, financial advice, or a determination of your actual eligibility for any government benefit program.

You should not rely on the Site as a substitute for consultation with the applicable government agency (such as Medicare.gov, the Social Security Administration, or your state's Medicaid or SNAP office) or a qualified professional. Only the relevant government agency can make an official determination of your eligibility or benefit amount.

3. Calculator Tools

Our calculator tools generate estimates only, based on the information you input and publicly available program rules at the time of publication. These estimates:

  • May not reflect your actual eligibility, benefit amount, or costs
  • May become outdated if program rules, premiums, or thresholds change
  • Are not a guarantee, offer, or official determination of any kind
  • Are processed entirely within your browser; we do not receive, store, or have access to the information you enter (see our Privacy Policy for details)

You are solely responsible for verifying any results with the appropriate government agency before making financial or healthcare decisions.

4. No Guarantee of Accuracy

While we make reasonable efforts to keep information on the Site accurate and current, government programs, premiums, and eligibility rules change frequently. We do not warrant that any content on the Site is complete, accurate, reliable, or up to date. You use the Site's content and tools at your own risk.

5. Third-Party Links and Content

The Site may contain links to third-party websites, including government resources and, where applicable, licensed insurance-related content. These links are provided for convenience only. We do not control and are not responsible for the content, accuracy, or privacy practices of any third-party site. Inclusion of a link does not imply endorsement.

6. Intellectual Property

All content on the Site, including text, graphics, calculator tools, logos, and design elements, is owned by or licensed to us and is protected by applicable copyright and intellectual property laws. You may view, download, and print content from the Site for your personal, non-commercial use only. You may not reproduce, distribute, modify, or republish any content from the Site without our prior written permission.

7. Advertising

The Site displays advertisements through Google AdSense and may participate in other advertising programs. We are not responsible for the content of third-party advertisements displayed on the Site. See our Privacy Policy for details on how advertising partners may use cookies and tracking technologies.

8. Limitation of Liability

To the fullest extent permitted by law, James Anderson and the Site shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with: your use of, or inability to use, the Site; any reliance placed on calculator results or content published on the Site; any errors, omissions, or inaccuracies in the Site's content; or any decision made based on information obtained from the Site. This limitation applies regardless of the legal theory on which a claim is based, even if we have been advised of the possibility of such damages.

9. Disclaimer of Warranties

The Site and its content are provided "as is" and "as available," without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, secure, or error-free.

10. Indemnification

You agree to indemnify and hold harmless James Anderson and the Site from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of your use of the Site or your violation of these Terms.

11. Changes to the Site and These Terms

We reserve the right to modify, suspend, or discontinue any part of the Site at any time without notice. We may also update these Terms from time to time. The "Last Updated" date at the top of this page reflects the most recent revision. Continued use of the Site after changes are posted constitutes your acceptance of the updated Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Michigan, without regard to its conflict of law principles. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts located in Michigan.

13. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

14. Contact Us

This site is not affiliated with the Social Security Administration, CMS, the IRS, the USDA, the VA, or any other federal or state government agency.