14 Benefits Seniors Are Entitled to in 2025
(But Often Forget to Claim)
Did you know that many seniors are leaving thousands of dollars in benefits on the table every year? These aren’t just small discounts at restaurants—these are significant savings on things that matter most, like auto insurance, home expenses, and even investment opportunities.
The truth is, companies and government programs don’t always advertise these benefits. But if you know where to look, you can unlock huge savings and financial opportunities that make retirement more comfortable and secure.
To help you keep more money in your pocket, we’ve put together a list of 13 benefits seniors should claim in 2025.
1. Cut Your Auto Insurance Costs by $400+/Year
Many seniors are overpaying for car insurance simply because they stick with the same provider for years. But insurers often offer significant savings to seniors who shop around.
A free service like Coverage.com makes it easy to compare top providers and find a lower rate in minutes. Some seniors save over $400 per year just by switching.
2. Earn More Interest on Your Savings Automatically
If your savings are sitting in a regular bank account earning close to 0%, you’re missing out on free money. Many banks now offer high-interest savings accounts with rates over 4.00%, meaning your money can grow without you doing anything.
A site like SavingsPro makes it easy to find the best high-yield savings accounts available to seniors.
3. Reduce Your Debt and Lower Monthly Payments
Many seniors struggle with lingering credit card debt, but did you know you may qualify for programs that can reduce the amount you owe?
A debt relief program can negotiate your balance and help you become debt-free faster. Some seniors have seen their payments reduced by as much as 50%.
4. Secure Your Discount on Your Home Warranty
It’s a hassle no one wants—scrambling to find a reliable repair person, setting appointments, hoping they actually show up. But the real stress? The unexpected cost. For seniors living on a fixed income, surprise home repairs can put a serious dent in the budget. And since home insurance typically doesn’t cover these kinds of issues, you're often left footing the bill.
That’s why so many savvy homeowners are turning to Choice Home Warranty. It helps cover the cost of repairs or even full replacements for many major appliances—without draining your savings. With protection like this, you can avoid being blindsided by unexpected breakdowns and keep your budget on track.
Here’s How to Check If You Qualify:
Step 1: Click the link below to check your ZIP code — it's quick and free. (Note: Not all ZIP codes may be eligible.)
Step 2: Enter a few basic details about your home to see how much a home warranty could save you
4. Work With a Financial Advisor to Secure Your Wealth
Seniors who work with professional investment advisors often retire earlier and grow their wealth more efficiently than those who don’t. A financial advisor can help you maximize your retirement savings, lower your tax burden, and ensure you’re making the right moves with your money.
Through Datalign Advisory, you can get matched with a top-tier investment advisor who specializes in helping seniors.
5. Earn 3% Cashback with This Senior Card
Many credit card companies offer special cashback rewards for seniors, helping you earn money back on everyday purchases like groceries, gas, and dining. Some cards even offer 3% back on select spending categories, making it easier to stretch your retirement budget further.
Check with your bank or visit a financial comparison site to find the best cashback card for your needs
6. Unlock Home Equity with a Cash-Out Refinance
If you own a home, you may be sitting on a large amount of untapped cash. Many seniors are using home refinancing programs to pull out equity and use it for expenses, travel, or home improvements.
Check this refinancing program to see how much money you can access.
7. Cut Your Home Insurance Costs
Like auto insurance, many seniors overpay for homeowners insurance. If your policy has automatically renewed year after year, you may be missing out on hundreds of dollars in savings.
A free comparison tool like this one can show you better options in minutes.
8. Save Hundreds on Internet Costs
Many broadband providers now offer senior discounts, but they don’t always advertise them. There’s a government-backed program that helps eligible seniors lower their internet bill, and many private companies offer exclusive discounts for those 55+.
A simple search on this site can reveal if you qualify.
9. Get Affordable Pet Insurance for Your Furry Companion
Vet bills can get expensive, and many seniors don’t realize they can get discounted pet insurance that helps cover the costs of accidents, illnesses, and even routine checkups.
Companies like this one offer special senior discounts on pet insurance plans.
10. Enjoy Exclusive Senior Discounts on Travel
Many airlines, hotels, and cruise lines offer senior discounts that can save you hundreds on travel. Whether it’s reduced airfare, discounted hotel stays, or all-inclusive cruise deals, seniors can take advantage of exclusive offers that aren’t widely advertised.
Check with your preferred travel provider to see what discounts they offer.
11. Get Free or Discounted Entry to National Parks
If you love the great outdoors, don’t forget about the Senior National Parks Pass. For a one-time fee, seniors can gain lifetime access to over 2,000 federal recreation sites, including national parks and wildlife refuges. It’s an incredible deal for anyone who enjoys hiking, camping, or sightseeing.
Get your Senior Pass at the National Park Service website.
12. Score Big Savings on Entertainment
Many movie theaters, museums, and live event venues offer discounts to seniors. Chains like AMC and Regal Cinemas offer reduced ticket prices, while many museums and art galleries have special senior days with free or discounted entry.
Check with your local entertainment venues to take advantage of these perks.
13. Save on Gym Memberships and Wellness Programs
Staying active is crucial, and many gyms and wellness centers offer senior discounts on memberships. Some insurance providers even cover SilverSneakers, a fitness program that provides free access to thousands of gyms and fitness classes nationwide.
Contact your health insurance provider to see if you qualify for free fitness programs.
Final Thoughts
These benefits aren’t just small discounts—they’re significant financial tools that can help you save thousands and live more comfortably.
If you haven’t taken advantage of these opportunities, now is the time. Even claiming just a few of them could put more money in your pocket and make 2025 your best financial year yet.