After years of hard work and careful planning, retirement should be about more than just making ends meet—it’s a time to explore new opportunities, experiences, and benefits you’ve earned along the way.

Yet many retirees miss out on valuable programs simply because they don’t know they exist.

From boosting your Social Security check to unlocking free health services or discounted adventures, there are plenty of ways to enrich your life without adding to your expenses.


The key is knowing where to look and taking a little time to claim what’s yours.

Here are five retirement perks you might not be using yet—and how to start enjoying them.

1. Social Security: more than a monthly deposit​

Social Security isn’t just a steady payment—it comes with options that can significantly increase your benefits if you plan strategically.

• Delay for a bigger payout: For every year you delay claiming Social Security past your Full Retirement Age (up to age 70), your monthly benefit grows by about 8%. Over time, this can add thousands to your lifetime income.
• Spousal and ex-spousal benefits: You may be eligible for up to 50% of your spouse’s (or ex-spouse’s) benefit, even if you have your own work record. If you were married for at least 10 years and haven’t remarried, benefits based on an ex’s record could be an option.
• Benefits for children and dependents: Minor children or children with disabilities may qualify for benefits through your record, offering extra support for multigenerational households.

Pro tip: Use the Social Security Administration’s online benefits calculator or visit your local office to explore your options in detail.

Also read: Are you spending too much on Medicare? Here’s how to cut costs in retirement​

​

2. Healthcare benefits beyond the basics​

Healthcare can be one of the largest retirement expenses, but Medicare and other programs cover more than many realize.

• Free preventive services: Medicare Part B includes annual wellness visits, screenings for conditions such as cancer and diabetes, and counseling services like smoking cessation—all at no cost.
• Prescription assistance: The Medicare Part D Low-Income Subsidy (“Extra Help”) can reduce prescription costs, and many states have additional pharmaceutical assistance programs.
• Community wellness resources: Local hospitals, senior centers, and health clinics often host free screenings, fitness classes, and vaccination events.
• Additional Medicare Advantage perks: Depending on your plan, you might be eligible for gym memberships (e.g., SilverSneakers), transportation to appointments, or meal delivery after a hospital stay.

Also read: Smart ways to make the most of RMDs you don’t currently need​

​

3. Financial and tax savings​

A few strategic moves can help you keep more of your money.

• RMD strategies: Once you reach your early 70s, Required Minimum Distributions (RMDs) kick in for most retirement accounts. Products like Qualified Longevity Annuity Contracts (QLACs) can defer some withdrawals, while a Qualified Charitable Distribution (QCD) from your IRA to a charity counts toward your RMD and isn’t taxed as income.
• Property tax relief: Many states offer property tax credits, exemptions, or deferrals for seniors, potentially saving hundreds or even thousands annually.
• Free tax help: The IRS’s Tax Counseling for the Elderly (TCE) program provides certified volunteer assistance with tax preparation—often hosted at libraries or community centers.

Also read: Don’t miss these hidden summer discounts—you may be surprised at what you can save​

​

4. Lifestyle perks: discounts, learning, and travel​

Retirement is the perfect time to take advantage of programs that make everyday life and leisure activities more affordable.

• Senior discounts: Restaurants, retail stores, movie theaters, and travel companies frequently offer lower rates for seniors—sometimes just for asking. Memberships like AARP or AMAC can unlock even more deals.
• Free or low-cost education: Many colleges allow seniors to audit courses at no charge or for a reduced fee, and public libraries host workshops, lectures, and clubs.
• National Park Senior Pass: For a one-time fee (currently $80), enjoy lifetime access to over 2,000 federal recreation sites across the country.
• Public transportation programs: Some cities offer reduced or free bus, train, or subway passes to seniors—perfect for exploring without driving.

Also read: Are you missing out? 15 legitimate ways to claim free money from the government​

​

5. Home and utility assistance​

Keeping your home comfortable and affordable is easier when you tap into senior-focused programs.

• Energy assistance (LIHEAP): Helps cover heating and cooling costs for eligible households.
• Weatherization Assistance Program: Offers free upgrades like insulation and weather-stripping to reduce utility bills.
• Property tax deferral: In certain states, seniors can delay paying property taxes until the home is sold.
• Utility discounts: Many providers offer reduced rates for senior customers—call your utility company to ask what’s available.

Also read: Essential financial resources for seniors: 25 programs that can help​

​

Other hidden gems worth exploring​

• Free legal aid: Seniors can often get assistance with wills, advance directives, and housing matters through state programs.
• Senior centers: Community hubs offer meals, classes, and social events, often at no or low cost.
• Volunteer perks: Some organizations provide travel, meals, or other benefits to senior volunteers—plus the personal rewards of giving back.

Retirement is your chance to make the most of the benefits you’ve earned, from saving money on everyday expenses to unlocking new opportunities for learning, travel, and connection.

Many of these perks are easier to claim than you might expect—all it takes is knowing where to look and taking the first step.

The sooner you explore what’s available, the sooner you can start enjoying more value and enjoyment in your daily life.

Read next: 8 valuable senior discounts to check out this August


Which of these perks have you already taken advantage of, and which ones are you excited to try? Do you know of any other little-known retirement benefits that other readers should know about? Share your thoughts in the comments below!