16 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 2026. 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.

Get financial guidance without the cost with this 100% free plan

Financial plans don’t need to cost hundreds or require meeting with an advisor. Studies show that simply having a plan significantly improves confidence and outcomes.¹ <p>Source: Charles Schwab Modern Wealth Survey 2024</p>

Our tool creates a 100% free personalized financial plan — no advisor fees, no sales pitches, no pressure. Just clear guidance based on your financial situation.

Here’s how to get started:

1. Click the link below.
2. Answer a few quick questions: your goals, income, and spending habits.
3. Securely link your accounts through Plaid (checking, savings, cards, etc.).
4. Receive your personalized money plan instantly, including recommended spending ranges, savings targets, and simple steps to feel more in control.

The tool analyzes your real spending patterns and gives you a clear breakdown of where your money should go each month, without guilt or guesswork. It’s 100% free, and you’ll finally know exactly what to do next with your money.

Click here to get your free financial plan and see the advice that an advisor might charge you hundreds for.

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%.² <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.

Get out of $20,000 or more in 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?

TurboDebt³ <p>IMPORTANT ADVERTISER DISCLAIMERS: Programs range from 24-48 months. Clients who are able to stay with the program and get all their debt settled realize approximate savings of 46% before fees, or 25% including program fees, over 24 to 48 months. All claims are based on enrolled debts. Not all debts are eligible for enrollment. Not all clients complete the program for various reasons, including their ability to save sufficient funds. Estimates based on prior results, which will vary based on specific circumstances. Programs 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. Programs do not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Programs are not available in all states, and fees may vary by state. 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, programs may be available to recommend a local tax professional and/or bankruptcy attorney. You may be subject to collections or lawsuits by creditors or collectors. Your outstanding debt may increase from the accrual of fees and interest. Read and understand all program materials prior to enrollment, including potential adverse impact on credit rating.</p> <p>Certain types of debts are not eligible for enrollment. Some creditors are not eligible for enrollment because they do not negotiate with debt relief companies. </p> <p>The company and its affiliates are not lenders, creditors, or debt collectors. This is not a loan. Our representatives have helped thousands of consumers throughout their careers.</p><p class="">Turbo debt is a debt relief program and does not provide any direct ways to earn cash or make money online.</p> can 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 payment.

Best of all? There are zero fees until your debt is resolved, and you could be debt-free in as little as 24-48 months. To get started, just answer a few simple questions. It only takes 30 seconds to see if you qualify!

Try TurboDebt

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.

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 don’t know how long this will last. If your credit score is 680+ you may qualify for a 45-day no-risk trial and flexible financing options. Click below, answer the questions, and enter your phone number at the end to secure your trial.

Schedule a call to request a 45-day no-risk trial and flexible financing

This plan protects select Ohio homes from many expensive appliance and home repairs (seniors, lock in your ultra-low rate)

Sounds crazy. And maybe you’re not even sure if this is real. But … you’re probably curious anyway. If you live in Ohio and own your home, Choice Home Warranty could make it so you don’t have to pay $1,000s on home repairs anymore.

They’ve been around since 2008 (so you know they’re legit) and they offer affordable plans to cover appliances and systems in your home that could break down. Just make your claim online or give them a call. Their team is available 24 hours a day, 7 days a week.⁴ <p>CHW reserves the right to offer cash back in lieu of repair or replacement in the amount of CHW's actual cost (which at times may be less than retail) to repair or replace any covered system, component or appliance. In the event that CHW makes such payment, CHW will provide written notification of the basis for the amount of the payment. First Month Free with purchase of any single payment home warranty plan. The product being offered is a service contract and is separate and distinct from any product or service warranty which may be provided by the home builder or manufacturer.</p>

Choose a plan here and you could still lock in their ultra-low 2026 rates for a limited time. You could tap into immense savings for nearly any system or appliance in your home that’s covered.

Not everyone is eligible for this plan so here’s how to check:

1. Click the link below and enter your zip code.
2. Answer a few simple questions.
3. See if your home qualifies and lock in your rate.

Choose a plan here and and see if you’re eligible for $50 off and 1 month free

P.S. We negotiated a special deal for FinanceBuzz readers who sign up using the link above. Use it this week to get $50 off and 1 month free. We don’t know how long it will last, so take advantage of it today before it disappears.

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 

Stop getting ripped off by credit card companies

If you have credit card debt, you know that paying your bill each month is anxiety-inducing … and sometimes close to impossible with what you have in the bank.

If that’s you, a company called LendingTree⁵ <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> wants to help.They can match you with loan providers that could help you pay off your debt quickly.

Think about it this way: For example, $25,000 in credit card debt at 25% APR will cost you $518.83 every single month in interest alone. But, with a rate as low as 6.99% APR (possible through LendingTree’s lenders), you’d only pay $144.03 interest.

That’s over $350 a month you’d get to keep for yourself in this scenario! Even better, you don’t need a perfect credit score, and checking for loans won’t affect your credit.

Truthfully, this company exists to help you get ahead in life. They have a 4.5/5 rating on TrustPilot with more than 15,000 verified reviews, and you can see your options in a matter of minutes. It’s certainly worth a shot if you’re feeling suffocated by debt.

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).

Overpaying for ED Meds: Seniors can get ED meds as low as $0.87/pill

The cost of name brand ED meds (like Viagra) can be as high as $3,000 a month without insurance. Ouch. But this company we found makes it easy for seniors to get practically the exact same medication — for as low as $0.87/pill. That’s significantly cheaper!

This new company does not accept insurance and operates on a “cash pay” basis, which is how they keep costs so low, even for seniors. (You can still pay via credit card.) Pharmacies are U.S.- based and dispense only FDA-approved ED medication for your safety and peace of mind. They are trusted by 41,933+ customers.

To get started: Take a short assessment to get matched with the right medication for your needs. It takes about 60 seconds. No in-person visits needed, and medications are prescribed by licensed doctors. Shipping is also free and discreet on any prescription.

BONUS: New customers get an extra $10 off their first purchase using the link below.

Get ED meds here for as low as $0.87/pill

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 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.)

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

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

But you can safeguard your identity with NordProtect — an all-in-one protection service designed by cybersecurity experts. NordProtect includes up to $1,000,000 in identity theft recovery coverage, helping reimburse you for eligible recovery expenses if needed.

Plans start as low as $7.49 per month (when charged annually) and include 24/7 dark web monitoring, credit score tracking, and real-time security alerts to notify you about potential threats, from compromised accounts to suspicious credit activity.

Before you make your next online purchase or open your next email, protect what you’ve built — for a fraction of what identity theft could cost you.

Get the 1-year plan now for 50% off

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

Access a credit limit up to $100,000 (without touching your mortgage)

If you need cash and own your home, you do not need a cash advance or personal loan — get a HELOC instead.

Access the equity in your home with Trovy for a fraction of the time and cost of a traditional HELOC. With a 100% online application and closing, you could get approved in as little as 4 minutes and access funds as soon as 4 business days after closing!⁶ <p>Approval may be granted in as little as four minutes but may be subject to income verification for properties located in certain states or credit limit amounts. You can receive access to your funds for a balance transfer or cash advance in as few as four days, or faster for properties that are not subject to a rescission period, and your card will be sent promptly after the four-day period concludes.</p>

The best part? The Trovy HELOC is possibly the most flexible HELOC on the market with no upfront draw on your credit line required (really). You’ll even get to easily access your HELOC with your own Trovy Card to make purchases with no draw fee and up to 3% unlimited cash back on purchases!⁷ <p>There are no draw fees when you use your Trovy Card for purchases. However, each cash advance and balance transfer is subject to a fee of up to 3% of the amount transferred, subject to a life-of-loan cap of 5% of the total Credit Limit. You may also be responsible for recording fees and taxes (up to $425) depending on where your property is located; however, these fees and taxes are waived if you use your account in the first year. Purchases made with the Trovy HELOC cCard earn 3% unlimited cash back on the largest spend card spend category. All other purchases earn 1.5% unlimited cash back.</p>

How to get started:

1. Check your rate easily without affecting your credit score.⁸ <p>To check the rates and terms you qualify for, we will conduct a soft credit pull which will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.</p>
2. If approved, accept your offer and close your loan entirely online with an on-demand notary.
3. Access your equity in as few as 4 days.

680+ Credit Score: Check your offer

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

Use this card to pay no interest for 15 months (yes, it is kind of remarkable)

Imagine getting 15 months with 0% intro APR on purchases and balance transfers (APR then 17.49% - 26.49% Variable). Sounds great — right? You could dramatically change your financial picture with one of the industry-leading no-interest cards - the Discover it^® Cash Back(Rates and fees) - and pay no interest into 2027 on purchases and balance transfers!

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 high-interest debt to this card with a 0% intro APR for 15 months on balance transfers (APR then 17.49% - 26.49% Variable). 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!

The best part? The Discover it^® Cash Back is accepted by 99% of merchants (according to the February 2025 issue of the Nilson Report), boasts an exceptional cash back rewards rate, and has no annual fee.

Click here to apply now for the Discover it^® Cash Back

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

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.⁹ <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.

More from FinanceBuzz:

• 9 Things You Must Try When Your Savings Reach $50,000