Money Secrets for Seniors

Secret: Many retirees don’t realize they’re missing money they’ve already earned — through benefits or tax credits.
Steps to take:
- Visit BenefitsCheckUp.org — a free tool by the National Council on Aging. Enter your ZIP code and basic info, and it will show every program you may qualify for (food, utilities, healthcare, etc.).
- Call your local Area Agency on Aging (AAA) — they help seniors fill out benefit forms for free (find yours here: Eldercare Locator).
- Ask the Social Security office about:
  - Extra Help (Low-Income Subsidy) for prescription costs
  - SSI (Supplemental Security Income) if your income is limited
  - Spousal or Survivor benefits if you qualify through a partner
Crazy tip: When calling Social Security, call early in the morning mid-week (Tuesday–Thursday) to avoid long waits.

Secret: Programs like SNAP (food stamps) aren’t just for families — millions of eligible seniors never apply, even though it can mean $100–$250 more a month in groceries.
How to get help:
- Call 1-800-221-5689 (SNAP Information Line) or visit your state’s benefits website to apply.
- Ask about Meals on Wheels — many deliver hot meals for free or on a donation basis.
- Check with local senior centers, churches, or community pantries — many have weekly fresh produce distributions for older adults.
Crazy Tip: If you feel uncomfortable applying, ask a family member or a volunteer from your Area Agency on Aging to assist — they’re trained to make it simple and private.

Secret: There are quiet programs designed just for seniors to help with home energy and housing — many people simply don’t know they exist.
Where to look:
- LIHEAP (Low-Income Home Energy Assistance Program) helps with heating and cooling bills.
  - Apply through your local social services office or call 1-866-674-6327.
- Weatherization Assistance Program (WAP) helps pay for insulation, window sealing, and energy-efficient appliances.
- HUD Section 202 or Housing Choice Vouchers can reduce rent dramatically for low-income seniors.
Crazy Tip: Local nonprofit housing agencies often have waiting lists — apply early, even if you’re not sure you’ll qualify yet.

Secret: Seniors often overpay for prescriptions simply because they don’t know all the discount options.
Start here:
- Ask your pharmacy about Generic or $4 prescription lists (Walmart, Kroger, Costco, and others offer these).
- Try GoodRx, SingleCare, or RxSaver for instant coupons you can show at the pharmacy.
- If you have Medicare, look into Medicare Savings Programs — they can pay your Part B premium (saving up to $174.70/month). Apply through your state’s Medicaid office.
For chronic conditions, call the drug manufacturer’s patient assistance program — many provide medications free or at very low cost.

Secret: Seniors don’t have to stop going places just because of cost or driving limits.
Try:
- Free or discounted senior transportation programs through your city or county transit system.
- Volunteer driver programs (ask your Area Agency on Aging or local church).
Medicaid recipients may qualify for non-emergency medical transportation (NEMT) — rides to doctor appointments at no cost.

Secret: There are nonprofit credit counseling services that help seniors manage debt — not high-interest companies.
Look for:
- NFCC.org (National Foundation for Credit Counseling) — connects you with certified counselors who help you make a budget, lower payments, and avoid scams.
- Ask your bank about senior financial literacy programs or bill pay assistance.
Some local charities offer one-time hardship grants for rent, utilities, or medical bills — ask your AAA or United Way (dial 211) for current programs.

Secret: Financial stress is also emotional — and staying socially connected can help you cope and find new opportunities.
Ideas:
- Join a senior center — many offer free meals, activities, and workshops on saving money.
- Check if your library hosts free financial education classes or technology help sessions.
Connect with local faith-based organizations — they often quietly assist with groceries, rides, or small emergency funds.

If you remember nothing else — start with these trusted, free resources:

Resource	What It Helps With	Website / Phone
BenefitsCheckUp	Finds all benefits you qualify for	benefitscheckup.org
Eldercare Locator	Connects you to local senior services	eldercare.acl.gov / 1-800-677-1116
211 (United Way)	Free, local help for food, rent, utilities	Dial 211 from any phone
LIHEAP	Utility and heating bill help	1-866-674-6327
Meals on Wheels	Free or low-cost home-delivered meals	mealsonwheelsamerica.org
NFCC	Nonprofit debt and credit counseling	nfcc.org

With care,

Mike Bridges

Founder, The O55 Report

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