1) You have to be at least 65 years old (anytime during the calendar year) or permanently or totally disabled.
2) If disabled, you are required to have your physician complete the certificate of disability form or submit a certificate from a state or federal agency.
3) Own and occupy your own home, or mobile home, or have ownership interest (land contract, lease options), as of January 1 of the application year.
4) Applicants for 2019 must have a TOTAL (applicant + spouse - not including social security) household income of no more than $32,800.