17 Benefits Seniors Are Entitled to But Often Forget to Claim

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Inflation, tariffs, and skyrocketing bills have hit seniors harder than any other group. While politicians debate, smart seniors are taking action with these little-known programs and strategies that help offset rising costs.

Whether you’re on a fixed income watching grocery bills climb, dealing with higher insurance premiums, or seeing your savings stretched thinner each month, you’re not powerless. These 14 solutions help seniors reclaim financial control when everything costs more.

Dollarperk’s editors are here to help you make the most of your money. With new tariffs and policy changes ahead, these programs could become even more competitive or disappear entirely.

We cut through the clutter to bring you tools and tips that leave more cash in your wallet—because, let’s face it, every penny counts. So grab your coffee, and let’s get started.

1. Make sure to build your retirement foundation wisely

Eliminate Expensive Debt Before It Drains Your Future: High-interest debt acts like quicksand for your retirement plans. Target credit cards and loans with rates above 10% first

Maximize Your Age Advantage: Once you hit 50, the IRS gives you special “catch-up” privileges that younger savers can’t use. These enhanced contribution limits let you stash significantly more in retirement accounts annually — it’s your reward for getting a later start, plus you’ll cut your current tax bill.

Create Multiple Money Streams: Smart retirees rarely depend on just one income source. Use your skills and available time to generate additional revenue — whether through consulting, rental income, dividend investments, or monetizing a hobby.

Do a 30-Day Money Reality Check: Think you know your spending habits? Most people are surprised when they track every expense for a month. This eye-opening exercise reveals hidden money leaks and shows you exactly where to redirect funds toward your retirement goals.

Make Saving Effortless: the most successful savers don’t rely on motivation — they use automation. Schedule regular transfers to retirement accounts and high-yield savings. When saving happens automatically, you can’t forget, procrastinate, or spend the money elsewhere.

2. Ohio seniors save up to $1,025 on car insurance

You might not even realize it, but your car insurance company is probably overcharging you. In fact, they’re kind of counting on you not noticing. Luckily, this problem is easy to fix. 

This company called Insurify shows you all your options at once — seniors who do this save up to $1,025 per year.

Here’s how to quickly qualify:

• Click the link below and start by inserting your zip code 
• Answer a few questions about your car
• Choose the best offer and lock in your rate 

Find out how much you can save on your auto insurance

3. Borrow from your home equity with this new program

You can now tap into the equity you’ve worked hard to build in your home, without any hassle or expensive fees, whether you are tackling short term debt or looking to make home improvements. 

That’s right, with LendingTree’s New Program, seniors unlock equity funds without affecting their mortgages. It works more like a credit card — giving you access to funds when you need them and letting you pay back only what you use.

Get started with these easy steps:

• Check out LendingTree’s HELOC calculator
• Tell them a bit about your home
• Lock in your rate today

700+ Credit Score: Calculate how much you’re eligible to access today

4. Beat food & entertainment cost increases

Restaurant prices up 25%, groceries up 30%? These senior discounts help you maintain your lifestyle:

Phone Plan: T-Mobile’s senior plans start at $60 per month for two lines and include unlimited talk, text, and data 

Applebee’s: Ready to enjoy some comfort food and cheerful vibes? Applebee’s offers up to 10-15% off for seniors

IHOP + Denny’s: Have a special “55+ menu” with smaller portions at lower prices. Plus, AARP members enjoy an extra 10% off their meal — sweet deal for your sweet tooth.

AMC Theatres: Most locations offer discounted tickets for seniors, typically saving you 30-50% on movie admission.

AARP: Offering seniors plenty of discounts on Airfare, Hotels, Cruises and Rental Cars, Restaurant & Meal Deliveries. You can Get 25% off your AARP membership, making it just $15 the first year.

5. Overpaying for bathroom renovation? Seniors in these ZIP codes qualify for major savings

A walk-in shower helps you stay in your home longer by making bathing safer and easier. With features like low-step entry, non-slip surfaces, and hydrotherapy jets, it’s more than just a shower — it’s a way to stay independent and avoid accidents.

What many seniors don’t know is that walk-in showers may qualify for financial assistance or tax breaks, but these benefits are often overlooked. This upgrade isn’t just about comfort — it can save you money while keeping you safe.

It is also a much more cost – effective solution than a walk in tub.

See if you qualify for savings on walk-in showers today

6. Seniors can save thousands on home insurance in Columbus

Alright, friend, let’s talk about something that might be draining your wallet without you even realizing it: your home insurance. Yep, you could be paying thousands more than you need to, and the kicker? It’s totally fixable.

Too many homeowners skip this step — not realizing that they could save potentially $1,000s over the lifetime of owning their house just by switching. And yes, you can switch your home insurance at any time starting today. 

It’s totally free to check. All you need to do is answer a few simple questions about your home and let the rest do the job for you.

Enter your zip code to see if you are eligible for cheaper home insurance rates

7. Stop Paying Out of Pocket for Vet Bills

You protect your home, your car, and your health — because it saves you from massive, unexpected costs. So why not do the same for your pet?

Wag’s Policy Comparison Tool helps consolidate the best coverage plans for your pet and protect you from expensive vet bills due to unexpected accidents, illness, or emergency care — the kind that can run you thousands out of nowhere. 

Having insurance for your pet is no different than having insurance for yourself, it would save you serious money and avoid the stress of having to choose between your pet’s health and your budget.

For just a few bucks a month, you can protect the animal that protects your heart.

Click here to find the perfect policy for your pet

8. Travel costs through the roof? These programs still provide value for seniors

Airline tickets cost 60% more than pre-2020. Hotels doubled. Gas prices volatile. But these senior programs provide stability:

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.

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

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

9. 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.

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%.¹⁴

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 a min deposit of $10K & 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 start investing in gold today.

10. Save thousands on new windows if you live in these zip codes in Ohio

If your windows are over 5 years old, you could be missing out on big-time savings. 

Seniors in select ZIP codes in Ohio are getting access to deep discounts on energy-efficient window upgrades — without the premium price tag.

WindowsUSA are making it easier than ever for seniors to replace outdated windows with newer, energy-optimized models by creating a bidding war for your business and getting you the best deal without sacrificing quality.

In order to qualify you need to:

• Own your home
• Have windows that are 5+ years old
• Live in an eligible zip code

Complete this short form to see if you qualify today

11. Save as much as 80% on weight loss meds

If you’re finally ready to lose weight, FDA-approved GLP-1s — like Semaglutide & Tirzepatide — burn fat fast. And this company we found called MyStart gets them to you 80% cheaper!

It might sound crazy, but MyStart operates on a cash-only basis and does not accept insurance. This is how they’re able to provide up to 80% off the typical cost of weight-loss medications like Ozempic and Zepbound. (You can pay via credit cards, including Visa and Mastercard.)

Skip the surgeries, diets, and expensive costs of weight loss. Get real results with GLP-1s at 80% less than name brands! Plus, get access to U.S.-based doctors 24/7 when you go through MyStart. No insurance is required and there are no hidden fees.

Dr. Ritu Chopra (from the show “The Doctors”) says this is the future of weight loss. Join now before prices go up! You could qualify in 5-minutes or less.

DollarPerk’s readers are now getting $120 off and free shipping.

Take the quiz to get up to 80% off weight loss medications starting at $180/month ($6/day)

12. This plan protects select Ohio homes from many expensive appliances and home repairs (see if you qualify)

Everyone talks about home insurance, but hardly anyone talks about this. If you live in Ohio and own your home, this company makes it so you could save $1,000s on home repairs without much work at all.

American Home Shield is currently helping homeowners slash appliance repair bills. Choose a plan and instead of paying $1,000s, you pay for a monthly plan and a simple one-time service fee per covered repair.

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.

Check if you’re eligible for America’s best home warranty

13. This credit card debt relief program eliminates 40-60% of what you owe

If credit card payments are destroying your retirement, you’re not alone. This IRS-approved debt relief program has eliminated $5+ billion in senior debt.

Make sure to mention if you have additional debt in the following categories: Personal loans, private student loans, payday loans, some unpaid bills & unsecured medical debt.

Freedom Debt Relief negotiates directly with your creditors to slash 40-60% of your total balance. You pay the reduced amount over 12-48 months, then you’re free. No bankruptcy needed.

Here is how to qualify:

• $15,000+ in credit card debt
• Struggling with monthly payments
• Over the age of 50

Take this short questionnaire to find out if you’re eligible for debt relief today!

14. Stop overpaying when you shop online (Amazon too!)

You might be surprised how often you’re overpaying on Amazon and anywhere else shopping online.

Forget multiple tabs and browsing windows searching for a better deal yourself, let Capital One Shopping do the work for you – it’s genius.

Here is how it works:

• The app will search for any available coupons around the web and automatically applies them to your cart at checkout
• It looks for better prices on items you are searching for – notifying you if a better deal was found elsewhere
• You don’t have to be a Capital One customer to use the app

Simply download the app and make sure to add it to your browser, then shop as usual and thank us later.

Download Capital One Shopping and stop overpaying online.

15. Get Your Late Tax Debt Forgiven

Owe $10K+ in back taxes? For seniors, that stress can take a toll leaving you physically and emotionally drained— especially with IRS letters piling up.

It is even worse when the IRS starts sending letters threatening huge fines.

Anthem Tax Relief is designed specifically to help you get out of tax debt faster and reduce the debt you owe, with their 22+ years of experience and an A+ BBB rating.

While most tax companies just help setting up your payments, Anthem Tax Relief speaks directly to the IRS to reduce the taxes you owe.

This program is eligible for seniors with 10K+ in tax debt owed. Do not apply if you owe less than that.

Answer a few questions to get started.

16. Ohio homeowners could access up to $400,000 thanks to this

stead. This popular program lets you tap into up to $400,000 fast, without affecting your mortgage rate or getting into more high interest debt.

AmeriSave is actively helping homeowners use their home’s equity to wipe out toxic high interest debt or finally tackle big home upgrades. Their tool finds your lowest eligible fixed rate and gets you the money you need so you can use it immediately. No hidden fees. No long waits. No hassle.

Slash your interest burden and fix what’s broken without giving up your current mortgage rate.

You might be eligible if you check these 3 boxes:

1. You’ve owned your home for 2+ years.
2. You’ve built some equity.
3. Your credit score is 680 or higher.

See how much cash you can access (no impact to your credit)

17.  Don’t leave your family with a $15k funeral bill

Nobody wants to think about this, but here is the brutal truth – the average funeral costs hit $15,000+ in 2024. Most people think their family “will figure it out” – but funeral homes demand payment upfront.

Burial insurance changes everything. For as little as $1/day, you can guarantee your funeral is 100% covered. Your family gets cash within 24 hours, no questions asked.

If you’re over 50 you qualify for:

1. Guaranteed acceptance – no medical exams, no blood tests
2. Premiums never increase – locked rate for life
3. Cash payout in 24-48 hours – when families need it most

Start protecting your family from funeral costs today!

Advertiser Disclosure

Companies mentioned in this article have not been reviewed, approved or endorsed by included advertisers. Opinions are ours alone.

 

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*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 our fees, over 24 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.” 

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