Unclaimed Benefits for Seniors
Many seniors miss out on benefits they’re entitled to simply because they don’t know these programs exist. This guide highlights commonly overlooked benefits.
Social Security Benefits
Spousal Benefits
Married individuals can claim up to 50% of spouse’s benefit amount, even if they never worked.
Survivor Benefits
Widows/widowers can receive deceased spouse’s full benefit amount.
Delayed Retirement Credits
Waiting until 70 to claim can increase benefits by 24-32%.
Healthcare Benefits
Medicare Savings Programs
- QMB: Pays Part B premiums
- SLMB: Additional premium assistance
- QI: Further expanded eligibility
Extra Help (Low-Income Subsidy)
Reduces prescription drug costs for Medicare Part D enrollees.
Tax Benefits
- Higher standard deduction for 65+
- Credit for the Elderly or Disabled
- Property tax exemptions (state-specific)
- Social Security taxation thresholds
Utility Assistance
- LIHEAP: Heating and cooling assistance
- Weatherization: Free home energy improvements
- Lifeline: Discounted phone/internet service
Food Assistance
- SNAP benefits (food stamps)
- Commodity Supplemental Food Program
- Meals on Wheels
- Senior Farmers’ Market Nutrition Program
Housing Programs
- Section 202 senior housing
- Section 8 vouchers
- Property tax deferrals
- Reverse mortgages for eligible homeowners
How to Apply
- Contact local Area Agency on Aging
- Visit BenefitsCheckUp.org
- Call 211 for local resources
- Visit Social Security office for federal benefits
Conclusion
Don’t leave money on the table. Research available benefits and apply for everything you qualify for.
