14 Benefits Seniors Are Entitled to But Often Forget to Claim

You could be missing out on $1,000s, and you might not even realize it.

Sure, you might know about some senior discounts at diners or retail stores. But what you might not know is there are a number of lesser-known programs that can help slash bills, reduce insurance costs, and unlock powerful financial perks — right now.

We pulled together some of the most valuable money moves for 2025. Cut expenses, boost your retirement, and recession-proof your finances. But act fast — we don't know how long these programs will last!

Get major discounts from top retailers

Goodwill Senior Discount: Discounts ranging from 10% to 20% off on select days.

Kohl's Senior Day: 15% discount every Wednesday for customers aged 60 and above.

Walgreens Seniors Day: Walgreens offers a Seniors Day once a month where customers aged 55 and older can receive 20% off eligible, regular-price items. The specific day varies, so it's recommended to check with your local Walgreens for details.

Amazon Prime Senior Discount: Discounted Prime membership for seniors who are recipients of qualifying government assistance programs such as Medicaid or SSI. This membership provides access to all Prime benefits at a reduced monthly cost.

Access up to $500K of your home equity with no additional monthly payments

If you want to access your home equity — but don’t qualify for a traditional HELOC — Splitero could be perfect.

How it works: Splitero is a Home Equity Investment product that bets on your home's future value going up. You get cash now, and when you cash settle, sell, or refinance, you give Splitero a small portion based on how much your home is worth then.

(By the way, if your home value decreases, the value of the percentage Splitero is entitled to also decreases. That could be a lot safer for you.)

Splitero is rated “A” by the BBB and you can use the money however you like. Pay off debt, renovate your home, or invest, all without worrying about additional monthly payments.

You may qualify if you:

1. Have some equity in your home — 30% or more.
2. Have a credit score of 500+.
3. It’s your residence, and you live there.

Scams and Fraud: American adults lost $47 billion to scams and fraud in 2024

That's right. According to a new report, American adults lost $47 billion to scams and identity fraud in 2024.

But you can safeguard your data with all-in-one scam and fraud protection services from OmniWatch, which comes with up to $2,000,000.00 in identity theft insurance,¹ <p>Restrictions and exclusions apply, <a href="https://app.omniwatch.com/insurance-disclosure">click here to read full details of insurance coverage</a>. Residents of New York receive $1 million of coverage and are not eligible for ransomware or scam protection coverage. <a href="https://app.omniwatch.com/insurance-disclosure-ny">Click here for New York insurance summary</a>.</p> to cover eligible losses and fees should you experience them.

Plans start at $10 per month and can include comprehensive protection like 24/7 monitoring and alerts, dark web scanning to identify breached personal data (like your SSN and banking info), antivirus and VPN apps for device security, and expert restoration services at no extra cost.

Before you make your next online purchase, protect what you’ve built for a fraction of what it could cost you if your data were compromised.

Act now to get your $1 trial

Hearing Aids: Get a 45-day no-risk trial for these revolutionary German-engineered hearing aids

Have you noticed voices sounding muffled or find yourself asking “what?” more often? Hearing conversations clearly makes all the difference, whether it’s sharing laughs with family or catching every word with friends. The good news? There’s a simple way to bring back the clarity.

Horizon IX hearing aids by hear.com offer crystal-clear speech understanding using advanced German technology. These nearly invisible, medical-grade devices provide twice the speech clarity of competitors, even in noisy places.

The aids connect to a simple smartphone app that makes them easy to set up and use. Plus, Horizon IX lasts up to 19 hours on a single charge, so no more dead batteries.

hear.com is trusted by over 500,000 customers worldwide, has an A+ rating with the Better Business Bureau and a 4.9/5 rating at Consumer Affairs, and is known for their award-winning customer service.

We recommend at least a 680+ credit score in order to qualify for flexible financing. Click below and enter some information including your phone number. They will contact you via phone and take care of getting everything set up.

Get a 45-day no-risk trial and see if you qualify for flexible financing

Pay less when you stay at hotels and dine out

Best Western Senior Discounts: Minimum 10% discount on room rates for guests aged 55 and over.

Denny's Senior Discount: Special discounted menu for guests aged 55 and above. Additionally, AARP members receive 15% off their total bill at participating locations.

AMC Theatres Senior Pricing: Discounted ticket prices for seniors aged 60 and above.

Home Insurance: If your income is limited, switch your home insurance and you could save a ton of money

If you have home insurance, you need to see the recent rates available to you. There’s a good chance you’ll want to switch your policy if you see a better rate.

The best way to check for up-to-date rates: Get multiple policy quotes from a variety of home insurance providers. Too many homeowners skip this step — not realizing that they could save potentially $1,000s over the lifetime of owning their house.

Provide Home Insurance is a company that matches you with a variety of home insurance options to meet your home insurance needs … including lower overall cost or better overall coverage.

Just answer a few questions, and they will find options that are right for you.

Enter your zip code to get started

Pay no interest on qualifying balance transfers until 2027

Imagine getting 21 months from account opening on qualifying balance transfers with an intro 0% APR (then APR is 17.74%, 24.24%, or 28.49% Variable). Sounds great — right? You could dramatically change your financial picture with this industry-leading low-interest card - the Wells Fargo Reflect^® Card(Rates and fees).

If you want to kick high-interest credit card debt to the curb, this is one of the leading get-out-of-debt cards available. Transfer your high-interest debt to this card with a 0% intro APR for 21 months from account opening on qualifying balance transfers. Your payments can go directly to paying down your balance without incurring a pile of additional charges. That could save you hundreds of dollars in interest! After the intro period, the APR is 17.74%, 24.24%, or 28.49% Variable.

The best part? There's no annual fee with the Wells Fargo Reflect^® Card.

Click here to Apply Now to the Wells Fargo Reflect^® Card

Home Equity: Ohio homeowners nearing retirement, borrow from your home’s equity to pay down high-interest debt

Home equity loans are surging in popularity with homeowners with great credit to pay down high-interest debt quickly or make home improvements.

The best part is you can actually keep your current mortgage rate by getting a home equity loan with this genius program!

No hassle. No expensive fees.

Calculate your equity amount and lock in your rate today!

How to get started:

1. Check out LendingTree’s Home Equity matching tool.² <p>LendingTree, LLC is a Marketing Lead Generator and is a Duly Licensed Mortgage Broker, as required by law, with its main office located at 1415 Vantage Park Drive, Suite 700, Charlotte, NC 28203, NMLS Unique Identifier #1136. LendingTree, LLC is known as LT Technologies in lieu of true name LendingTree, LLC in NY. LendingTree technology and processes are patented under U.S. Patent Nos. 6,385,594 and 6,611,816 and licensed under U.S. Patent Nos. 5,995,947 and 5,758,328. © 2024 LendingTree, LLC. All Rights Reserved. This site is directed at, and made available to, persons in the continental U.S., Alaska and Hawaii only. Terms and Conditions may apply. </p>
2. Answer a few questions about your home.
3. Lock in your personalized rate and payment.

700+ Credit Score: Compare real offers for $0

Diversify your hard-earned retirement savings with gold

You’ve spent your whole life building up your retirement savings, but market volatility and inflation could be threatening everything you’ve worked so hard for.

American Hartford Gold is actively helping Americans like you find greater retirement security with precious metal investments. They offer everything from physical ownership to IRAs in gold and silver that have a proven track record during unstable markets.

In fact, from 2005 to 2020, the price of gold increased by 330%. And during the stock market crash of 2008, the value of gold actually increased by 25%.³ <p>Past performance is no guarantee of future results. Any historical returns, expected returns, or probability projections may not reflect actual future performance. All securities involve risk and may result in significant losses.</p>

Take control of your legacy today in 3 easy steps:

• Request your FREE Gold IRA guide.
• Speak to a dedicated specialist about the best option for you.
• Transfer or invest to better diversify your portfolio.

You're in good hands, as they boast an A+ rating with the BBB, are ranked #1 gold company on the Inc. 5000 list, and are exclusively endorsed by Bill O’Reilly. Take control of your savings and download your FREE Gold IRA Guide to get started.

Lower the price of your travel costs

Greyhound Senior Discount: 5% discount on fares for passengers aged 62 and older. This discount is available on cross-border routes.

Amtrak Senior Discounts: 10% discount on most rail fares to travelers aged 65 and older.

National Park Service Senior Pass: For a one-time fee of $80, U.S. citizens or permanent residents aged 62 and older can obtain a lifetime Senior Pass. This pass grants access to over 2,000 federal recreation sites, including national parks and wildlife refuges.

AT&T Senior Nation Plan: AT&T offers the Senior Nation plan for customers aged 65 and older. This plan includes discounted rates on nationwide calls and is designed specifically for basic phones (not smartphones).

Earn up to 5 miles per dollar toward travel with this incredible card

If you're someone who loves to travel, the Capital One VentureOne Rewards Credit Card(Rates and fees) is the perfect companion for your adventures. New cardholders can enjoy $100 to use on Capital One Travel during your first cardholder year. Plus, earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening (limited time offer).

But that's not all. When you use the VentureOne card, you can earn 1.25 miles per dollar on every purchase, every day and 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel.

Redeem miles for flights, hotels, and car rentals, OR statement credits, gift cards, and transfers to over 15 airline or hotel partners! This means that your dream vacation could be closer than you think, thanks to the rewards you earn from everyday purchases! There is also no annual fee and no foreign transaction fee.

So if you're gearing up for your next adventure, the Capital One VentureOne Rewards Credit Card(Rates and fees) should be at the top of your wallet.

Annual fee: $0

Purchase and Transfer APR: 18.99% - 28.99% (Variable)

Click here to apply for the Capital One VentureOne Rewards Credit Card now

Car Insurance: Cancel your car insurance

Driving without car insurance is illegal, but if you do this, you’re not actually breaking the law.

This tool can help you see if you’re overpaying for car insurance in just a few clicks. You’d be shocked by the difference. $159 per month is what they wanted to charge me. I thought that was the best price, don’t even look anywhere else. Right? Wrong.

I used Insurify and now I’m able to pay just $51 a month for two cars.⁴ <p>Actual savings and coverage options vary based on factors such as driving history, location, and insurer policies. The rates shown in this example may not reflect what every user will qualify for.</p> Too many insurance companies do this. They push up our rates and make us pay even more. But if you want to try this tool and compare and potentially score same-day savings, here’s what to do:

1. Click the link below and enter your zip code, date of birth, and phone number.
2. Answer a few questions about your car’s make and model to get matched with top offers.
3. Choose the best quote for you and lock it in before rates go up.

Compare rates now and see if you could score same-day savings today!

I can hardly believe I waited so long to do this, but I’m glad I finally did. It only took me two minutes. Super fast. You have to trust me on this. Just try it out.

Restaurants & Meal Delivery: Take advantage of massive discounts at restaurants and meal delivery companies

Over 50? Join AARP today — because if you’re not a member you could be missing out on huge perks. When you start your membership today, you can get discounts on:

• Restaurants (save up to $450 per year!)
• Meal deliveries
• Airfare, Hotels, Cruises and Rental Cars
• Eyeglasses and even prescriptions that aren’t covered by insurance

Plus you’ll also get insider info on social security, job listings, caregiving, and retirement planning.

How to become a member today:

• Click the link below, select your free gift, and click “Join Today”
• Create your account (important!) by answering a few simple questions
• Start enjoying your discounts and perks!

Get 25% off your AARP membership, making it just $15 the first year with auto-renewal

Learn 7 ways to generate income with a $1,000,000 portfolio

If you have $1,000,000 saved up, this guide is for you. The last thing you want in retirement is to run out of money. Instead, you want your money to generate a real income while you enjoy your life.

Now you can learn the strategies wealthy retirees use to fund their retirement with $1,000,000 — and how you can, too — with this new guide: The 7 Secrets of High Net Worth Investors from Fisher Investments.

Fisher Investments has helped tens of thousands of investors retire comfortably since 1979. With over $332 billion under management, they provide tailored money management to help achieve long-term goals. Download the guide today!

Get your guide here

Debt Help: Ask this company to pay off your credit card debt

If you have a lot of debt, getting out of it can feel stressful (and nearly impossible). Here’s the problem: the longer you put off tackling it, the harder it gets to fix. If you don’t take control of it early on, it can add undue stress to your life for years. But what if there was a way to get out of debt once and for all?

National Debt Relief could help. If you have more than $20,000 in debt from credit cards, medical bills, collections, or personal loans, their representatives might be able to assist you in consolidating your debt into one low monthly program payment.

Best of all? There are zero fees until your debt is resolved, and you could be debt-free in 12-48 months. To get started, just answer a few simple questions. It only takes 30 seconds to see if you qualify!⁵ <p>Clients who are able to stay with the program and get all their debt settled realize approximate savings of 45% before fees, or 20% including our fees, over 12 to 48 months. All claims are based on enrolled debts. Not all debts are eligible for enrollment. Not all clients complete our program for various reasons, including their ability to save sufficient funds. Estimates based on prior results, which will vary based on specific circumstances. We do not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time. We do not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Not available in all states. Please contact a tax professional to discuss tax consequences of settlement. Please consult with a bankruptcy attorney for more information on bankruptcy. Depending on your state, we may be available to recommend a local tax professional and/or bankruptcy attorney. Read and understand all program materials prior to enrollment, including potential adverse impact on credit rating.</p>

Try National Debt Relief

Advisor Fees: You could be overpaying for your retirement planning

Fees matter. High fees can cut into your returns and affect your overall nest egg. But the ways fees are levied vary. Some are “fee only,” charging a flat rate regardless of usage. Others take a percentage of all assets under management. Some earn commissions directly from mutual funds or other financial products, which presents a significant conflict of interest.

This free matching quiz helps Americans get matched with up to three fiduciary advisors who serve their area so they can compare and decide which advisor to work with.

Paid Non-Client Promotion

FinanceBuzz doesn’t invest its money with this provider, but they are our referral partner. We get paid by them only if you click to them from our website and take a qualifying action (for example, opening an account.)

Get 24/7 instant assistance at the push of a button

1 in 4 Americans age 65+ fall every year. And every 11 seconds, an older adult is treated in the emergency room for a fall. In these situations a fast emergency response can save your life.

With a Lifeline medical alert system you can get quick access to help 24/7, 365 days a year. Simply press your help button and a Trained Care Specialist will send the help you need — whether that’s a friend, family member, or emergency services.

More Americans trust Lifeline than any other provider. Over 50 years, they’ve served 7.5 million+ people and have more subscribers today than any other medical alert service provider.

To get started: Take the short quiz at the link below to see which system is right for you. Lifeline can help match you with the perfect system for your lifestyle, whether you’re at home or on the go.

Complete this short quiz to get matched with the perfect system

Tax Debt: Ask this company to pay off your late tax debt

Past-due tax debt is overwhelming.

It weighs on your mind and causes massive anxiety. You end up emotionally and physically drained. Even worse when the IRS starts sending letters threatening wage garnishment and huge fines.

Tax Relief Advocates is designed specifically to help you get out of tax debt faster and could even eliminate or reduce some of the debt you owe.

While most tax companies just put you on a payment plan and file your taxes for you, Tax Relief Advocates talks to the IRS directly. They can help you pay off your tax debt faster while potentially reducing what you owe.

Important: Not everyone will qualify. To take advantage of this special program you must owe more than $10,000 in past-due taxes.

Fill out this form to get started

Overpaying on Windows: Ohio seniors could save a fortune on new windows

Old windows drive up your home's electric bill. But if you live in Ohio and your windows are 5+ years old, you could save $1,000s.

WindowsUSA is actively helping senior homeowners score huge savings on new windows. They bring top local vendors into a bidding war for your business, providing the best deals without sacrificing quality. This can drive the cost down for you by orders of magnitude.

Slash the cost of new windows by tapping into hidden rebates, unlisted discounts, and local incentives most homeowners don’t even know exist.

You might be eligible if you check these 3 boxes:

1. You own your home.
2. Your windows are 5+ years old.
3. Your ZIP code qualifies.

Complete this short questionnaire to see if you qualify 

Earn a $400 bonus with this checking account

We hate to tell you this, really. But if you aren’t banking with Truist Bank, you’re missing out on extra cash. Don’t worry though … it’s easy to fix.

New checking clients can earn a $400 bonus when you open a new Truist One Checking account online between October 30, 2025 and March 25, 2026 using promo code AFL400TR1Q425.⁶ <p><b><u>Terms and Conditions for Truist One Checking $400 Affiliate Online Offer Q4 2025 and Q1 2026:</u>&nbsp;AFL400TR1Q425<br><br></b></p> <p><b><u>Offer Information</u></b>: Open a new Truist One Checking account <b><u>online&nbsp;</u></b>from 10/30/25 through 3/25/26, complete the following activities within 120 days of the account opening and earn $400. You must open the account online and enter the promo code to be eligible to participate in the promotion.</p><br> <p>• Receive at least two qualifying direct deposits* totaling $2,000 or more <b>AND</b></p> <p>• Complete at least 20 qualifying debit card purchases** within 120 days of account opening. All debit purchases must be posted to your account to qualify.</p><br> <p>Account must be opened online. Enrollment in the promotion is required at the time of account opening using promo code <b>AFL400TR1Q425</b>. Please refer to the Account Opening and Enrollment section below for full instructions.</p><br> <p>*A qualifying direct deposit is an electronic credit (greater than $5.00) deposited into your new checking account via ACH. Person to person payments (such as Zelle®), Real Time Payments (RTP), pre-authorized transfers made from one account to another, or deposits made via a branch, ATM, online transfer, mobile device, debit/prepaid card number or the mail are not eligible direct deposits.</p><br> <p>**Qualifying debit card purchases include any purchase made with a Truist debit card and posted to the new checking account within 120 days of account opening. ATM withdrawals using your debit card are not qualifying transactions. Zelle® transactions are not qualifying transactions. Bank fees are not included.</p><br> <p><b><u>Offer Eligibility</u></b>: Clients that are the primary account holder on an existing personal checking account with Truist or who have closed a personal checking account with Truist on or after 10/30/24 are not eligible to participate. Offer valid for Truist One Checking accounts only. Primary account holder must be 18 or older at the time of account opening. Truist employees, Directors, Officers, and Local Boards/Advisors are not eligible. Offer available only to US residents with a valid US taxpayer identification number. The qualifying checking account must be opened online and have a physical address in: AL, AR, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC.</p><br> <p><b><u>Reward Processing</u></b>: The reward will be deposited to the new checking account within 4 weeks after the qualification requirements have been met and verified. Promotion is only applicable once per checking account and per client. Truist may report the value of any offer reward received to the IRS as required by law. Any applicable taxes are the responsibility of the recipient.</p><br> <p><b><u>Reward Forfeiture</u></b>: Reward forfeiture will occur if: (1) the new checking account is changed to an account type not included in this client offer (2) the new checking account has a $0.00 or negative available balance or is restricted at the time Truist verifies the qualification requirements have been met or (3) the new checking account is closed at the time of payout. An account is considered restricted if it has a temporary or permanent block that prevents credits from posting to the account. Truist verification will occur one time after the qualification requirements are initially met.</p><br> <p><b><u>Other Terms</u></b>: Minimum opening deposit is $50. The offer is non-transferable, may not be combined with any other checking offers, is subject to change, and may be discontinued at any time. Truist reserves the right, in its sole discretion: 1) to prohibit a reward payout for any offers claimed through third-party websites with no affiliation or prior authorization from Truist; and 2) to disqualify any account if Truist suspects accounts are being opened for the purpose of exploiting this promotional offer. All promotional payouts will be processed no later than 3/31/27 at which point this promotion (and any related disbursements) will be considered final, and no further disbursements will be made. All standard account terms and conditions apply.</p><br> <p><b><u>Account Opening &amp; Enrollment Instructions</u></b>: To open and enroll your new account in the promotion, visit the offer website and click on “Open an account online.” Enter <b>AFL400TR1Q425</b> into the promo code field provided, review the offer Terms and Conditions, and then select “Accept Offer”. Accounts opened without the promo code applied will not be eligible to participate in the offer. Once enrolled in the promotion, clients may receive promotional updates via the email address provided or by calling 800.709.8700.</p><br> <p class="">Version 3 09162025 <b>AFL400TR1Q425</b></p>

To earn the $400 bonus, your account needs to receive at least 2 qualifying direct deposits totaling $2,000 or more and complete 20 qualifying debit card purchase transactions within 120 days of account opening. Terms apply.

This is a great way to supercharge your earnings.

Plus, you can enjoy other benefits like no overdraft fee, a Balance Buffer for eligible clients,⁷ <p>The Balance Buffer is only available with Truist One Checking and allows clients to overdraw their account up to $100. There is no decision required as this feature is automatically available when a client qualifies.</p> <p>To <b><u>INITIALLY QUALIFY</u></b> for the Balance Buffer, the requirements below must be met:</p> <ul> <li>Account must be opened for a minimum of 35 calendar days</li> <li>Account must be funded with a positive balance</li> <li>A single direct deposit of at least $100 made within the last 35 calendar days</li> </ul> <p>To <b><u>REMAIN QUALIFIED</u></b> for the Balance Buffer, the requirement below must be met:</p> <ul> <li>A single direct deposit of at least $100 made within the last 35 calendar days.&nbsp; <b>After qualifying, if 35 calendar days pass without a Direct Deposit of at least $100, you will no longer have access to the Balance Buffer.</b></li> </ul> <p>For accounts that qualify for the Balance Buffer, once the account is overdrawn by $100, additional transactions will typically be declined or returned.</p> <p class="">For accounts that qualify for the Balance Buffer and also have Overdraft Protection, Truist will use the Balance Buffer first.&nbsp; If the account has neither, transactions that exceed the account balance will typically be declined or returned.</p> and automatic upgrades for access to growing perks.

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