5 Benefits Seniors Are Entitled to But Often Forget to Claim
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Many seniors are unknowingly overpaying for essential items like car insurance, medications, and groceries. The reason? These valuable discounts often remain hidden, not because they aren’t available, but because companies don’t always advertise them. The truth is, many businesses offer exclusive savings to individuals over 45—sometimes you just need to ask.
To help you save more in 2025, we’ve compiled a list of the best discounts and benefits available, some of which could put as much as $6,100 back in your pocket. These aren’t just the standard restaurant and retail discounts; we’re talking about substantial savings on products and services seniors rely on most.
Please note: many of these offers are online-only and may expire soon, so we urge you to take advantage of them as soon as possible to avoid missing out.
Affordable Entertainment & Dining
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Living on a fixed income doesn’t mean you have to forgo the joys of eating out or enjoying entertainment. Seniors can find discounts at many restaurants and entertainment venues. Here are a few examples:
Applebee’s: Offering up to 15% off for seniors, Applebee’s is an ideal spot for those looking to enjoy a meal at a lower cost.
AMC Theatres: Most AMC locations offer senior discounts on movie tickets, saving seniors up to 50% off admission.
IHOP and Denny’s: Both chains offer 55+ menus, providing smaller portions at lower prices, with the added benefit of 10% off for AARP members.
Don’t forget to ask for senior discounts when you dine or attend entertainment events—often, these savings are not advertised.
How Seniors Can Save Over $1,000 on Car Insurance
Car insurance premiums can be surprisingly high, even for those who have been driving for decades. Fortunately, there’s a solution. Many insurance providers offer discounts to seniors, but these savings aren’t always automatically applied. Studies show that seniors can save up to $1,025 annually by shopping around for a better deal or simply comparing their current policy to others.
If you haven’t reviewed your insurance lately, now is the perfect time to do so. Websites like FinanceBuzz can show you all your options, ensuring you never overpay again.
Borrow from Your Home Equity
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Homeownership is often one of the most significant assets in a senior’s portfolio. Thanks to new programs like LendingTree’s Home Equity Access, seniors can tap into the equity they’ve built over the years, without incurring hefty fees or affecting their mortgage.
This flexible line of credit works much like a credit card, providing access to funds when needed—whether for emergency expenses or home improvements. Not only does this allow seniors to stay financially stable, but it also empowers them to make necessary updates to their homes without the financial strain.
Save Big on Credit Card Debt with Zero Interest
If credit card debt is becoming a burden, seniors can access a powerful tool: the 0% Intro APR credit card. These cards allow you to make purchases or transfer balances without paying interest for up to 15 months. This can give seniors a significant advantage when trying to pay off high-interest debt, as more of their payments will go directly toward reducing the balance.
Additionally, these cards offer 5% cash back on everyday purchases, maximizing savings while helping to reduce debt.
Walk-In Showers
As we age, maintaining safety and independence at home becomes more important. One of the best ways to do this is by installing a walk-in shower. Not only does it make bathing easier and safer, but many seniors are unaware that they may be eligible for financial assistance or tax incentives when upgrading their bathrooms.
If you’ve owned your home for several years and haven’t remodeled your bathroom in over five years, this could be a great opportunity to improve both your safety and comfort.
Seniors’ Retail Discounts
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Shopping isn’t just about acquiring goods; it can be an opportunity to save. Many stores, both local and online, offer special discounts to seniors—yet many miss out due to a lack of awareness. Here’s a breakdown of where you can snag some savings:
Amazon: While Amazon doesn’t explicitly offer senior discounts, those on government assistance programs like Medicaid or SNAP can get a discounted Prime membership through Prime Access.
Walgreens: Every Tuesday is Senior Day, where seniors can receive a 20% discount on most in-store items.
Michaels: Seniors aged 55 and older can enjoy a 10% discount on most purchases by signing up for their rewards program.
These are just a few examples, but it’s crucial to check with local retailers to see if they offer senior days or special discounts. Sometimes the savings aren’t advertised, but you may be able to ask about them at the checkout!
Senior Travel Discounts
Traveling can become more affordable with senior discounts. The National Park Service Senior Pass grants access to over 2,000 federal recreation sites for just $80, and it lasts a lifetime!
Additionally, seniors can enjoy 10% off Amtrak fares and 5% off Greyhound tickets. Whether you’re planning a road trip or taking a train across the country, these discounts help reduce travel costs, making it easier to explore new destinations.
Credit Card Debt Relief
Managing credit card debt is a significant concern for many retirees. Luckily, National Debt Relief offers a program that helps reduce outstanding balances by 40-60%. Through debt negotiation, seniors can settle their accounts for less than what they owe, providing a manageable path to financial freedom.
This program is especially useful for those struggling with multiple debts, including unsecured loans, medical bills, and payday loans.
Key Takeaways
As a senior, it’s essential to stay informed about the wide range of benefits that are available to help you live a comfortable and financially stable life. From discounts on everyday purchases to substantial savings on insurance and home improvements, these programs can make a significant difference in your financial well-being.
By staying proactive and taking full advantage of the benefits available, you can ensure that your retirement years are as enjoyable and stress-free as possible. Remember to regularly review your insurance policies, explore home improvement options, and check for discounts whenever you shop or travel. Your golden years deserve to be celebrated—and with these benefits, you’ll be able to do just that.
Aileen N is a dedicated writer known for producing well-researched, engaging articles across a diverse range of subjects. Her expertise spans areas including social issues, education, lifestyle, and culture. Driven by a deep appreciation for the power of words, Aileen aims to inform, inspire, and connect with readers through clear, meaningful, and impactful writing.
