Best List Of Senior Discounts 2013

money in a panOne of our friends on The Senior List Facebook Page was inquiring as to the best listing of senior discounts floating around out there, so we did a little research.  We did come across a nice list put together by Judy Calvaneso of Judy’s Pair-A-Dice Tours (Williamsville, NY).  Originally posted on the Pair-A-Dice Facebook page, we thought it was worthwhile passing along.  (Special thanks to Judy for putting this list together.)

Let us know if you have other favorite lists featuring senior discounts below in the comments area.  One thing that Judy notes on her list is that “you must ask for your discount”, so don’t be afraid to say “I understand you have a senior discount available, can we take advantage of that today?”  Hey why not… You earned it!

If you know of other discounts out there (or understand one listed to be discontinued below) please let us know in the comments section.

Here is Judy’s list with commentary:

Keep this list – - – and Send a copy to your senior friends and relatives.facebook button

“As I was waiting in line behind an older gentleman at Wendy’s recently, I heard him ask for his senior discount. The girl at the register apologized and charged him less. When I asked the man what the discount was, he told
me that seniors over age 55 gets 10% off everything on the menu, every day.

Being of ‘that’ age myself, I figured I might as well ask for the discount too.

This incident prompted me to do some research, and I came across a list of restaurants, supermarkets, department stores, travel deals and other types of offers giving various discounts with different age requirements. I was actually surprised to see how many there are and how some of them start at the young age of 50.

This list may not only be useful for you, but for your friends and family, too.  YOU must ASK for your discount!” — Judy Calvaneso


Applebee’s: 15% off with Golden Apple Card (60+)
Arby’s: 10% off (55+)
Ben & Jerry’s: 10% off (60+)
Bennigan’s: discount varies by location (60+)
Bob’s Big Boy: discount varies by location (60+)
Boston Market: 10% off (65+)
Burger King: 10% off (60+)
Chick-Fil-A: 10% off or free small drink or coffee (55+)
Chili’s: 10% off (55+)
CiCi’s Pizza: 10% off (60+)
Denny’s: 10% off, 20% off for AARP members (55+)
Dunkin’ Donuts: See updated information in “Comments” section
Einstein’s Bagels: 10% off baker’s dozen of bagels (60+)
Fuddrucker’s: 10% off any senior platter (55+)
Gatti’s Pizza: 10% off (60+)
Golden Corral: 10% off (60+)
Hardee’s: $0.33 beverages everyday (65+)
IHOP: 10% off (55+)
Jack in the Box: up to 20% off (55+)
KFC: free small drink with any meal (55+)
Krispy Kreme: 10% off (50+)
Long John Silver’s: various discounts at locations (55+)
McDonald’s: discounts on coffee everyday (55+)
Mrs. Fields: 10% off at participating locations (60+)
Shoney’s: 10% off Sonic: 10% off or free beverage (60+)
Steak ‘n Shake: 10% off every Monday & Tuesday (50+)
Subway: 10% off (60+)
Sweet Tomatoes: 10% off (62+)
Taco Bell: 5% off; free beverages for seniors (65+)
TCBY: 10% off (55+)
Tea Room Cafe: 10% off (50+)
Village Inn: 10% off (60+)
Waffle House: 10% off every Monday (60+)
Wendy’s: 10% off (55+)
White Castle: 10% off (62+)


Banana Republic: 10% off (50+)
Bealls: 20% off first Tuesday of each month (50+)
Belk’s: 15% off first Tuesday of every month (55+)
Big Lots: 10% off
Bon-Ton Department Stores: 15% off on senior discount days (55+)
C.J. Banks: 10% off every Wednesday (60+)
Clarks: 10% off (62+)
Dress Barn: 10% off (55+)
Goodwill: 10% off one day a week (date varies by location)
Hallmark: 10% off one day a week (date varies by location)
Kmart: 20% off (50+) No longer Available (see below)
Kohl’s: 15% off (60+)
Modell’s Sporting Goods: 10% off
Rite Aid: 10% off on Tuesdays & 10% off prescriptions
Ross Stores: 10% off every Tuesday (55+)
The Salvation Army Thrift Stores: up to 50% off (55+)
Stein Mart: 20% off red dot/clearance items first Monday of every month (55+)


Airline Discounts for Seniors:

American Airlines: various discounts for 65 and up (call before booking for discount)
Continental Airlines: no initiation fee for Continental Presidents Club & special fares for select destinations
Southwest Airlines: various discounts for ages 65 and up (call before booking for discount)
United Airlines: various discounts for ages 65 and up (call before booking for discount)
U.S. Airways: various discounts for ages 65 and up (call before booking for discount)

Car Rental Discounts for Seniors:

Alamo Car Rental: up to 25% off for AARP members
Avis: up to 25% off for AARP members Best Western: 10% off (55+)
Budget Rental Cars: 10% off; up to 20% off for AARP members (50+)
Dollar Rent-A-Car: 10% off (50+)
Enterprise Rent-A-Car: 5% off for AARP members
Hertz: up to 25% off for AARP members Holiday Inn: 10%-30% off depending on location (62+)
National Rent-A-Car: up to 30% off for AARP members


AMC Theaters: up to 30% off (55+)
Bally Total Fitness: up to $100 off memberships (62+)
U.S. National Parks: $10 lifetime pass; 50% off additional services including camping (62+)
Regal Cinemas: 30% off Ripley’s Believe it or Not: @ off one-day ticket (55+)
SeaWorld Orlando, FL: $3 off one-day tickets (50+)


AT&T: Special Senior Nation 200 Plan $29.99/month (65+)
Jitterbug: $10/month cell phone service (50+)
Verizon Wireless: Verizon Nationwide 65 Plus Plan $29.99/month (65+).


Great Clips: $3 off hair cuts (60+)
Super Cuts: $2 off haircuts (60+)


Pre-Retirement: Where To Move Before You Retire

moving boxesBefore you retire, you might want to think about a strategy that many boomers are considering and implementing right now.  That strategy is called pre-retirement.  An interesting article in Forbes recently caught my eye.  It was entitled “The Best Cities For Boomers To Pre-Retire“.  Forbes’ notion was that “If retirement is closing in, you might want to move to an alluring metropolitan area where you can work full-time today and then switch to part-time down the road“.  Think of it as a test drive for permanent retirement…

My spellchecker doesn’t recognize the word pre-retirement, and maybe you don’t either.  Our definition of pre-retirement is a strategy of setting yourself up for your later years.  It involves planning and analyzing each of the variables that allow you to live (the life you want to live) in retirement.  Things like; What kind of car do you drive (or want to drive)?  How often can you afford to dine out?  And, where should you live when you retire?

Forbes cited a recent posting from that lists their top 10 “Best Places For Baby Boomers“.  It was based on some pretty smart criteria.  Things like affordability (based on cost of living index), healthcare accessibility, the ability to lead an active social life, and public transportation services.  Here are their top 10 places for baby boomers:

  1. Pittsburgh, PA
  2. Cleveland-Elyria-Mentor, Ohio
  3. Buffalo-Niagara Falls, N.Y.
  4. Baltimore-Towson, MD
  5. Miami-Fort Lauderdale-Pompano Beach, FL
  6. Louisville/Jefferson County, KY
  7. Seattle-Tacoma-Bellevue, WA
  8. St. Louis, MO
  9. Milwaukee-Waukesha-West Allis, WI
  10. Philadelphia-Camden-Wilmington, PA

Make sure to visit Nerdwallet to understand their criteria, and for further information on their top destination cities for boomers.

When Is The Right Time To Take Social Security Benefit?

lady reading paperI read an interesting article recently written by Tom Sightings of the blog “Sightings Over Sixty“.  The blog post was titled “The Best Time to Start Social Security”, and it discussed the variables involved when considering when to take your social security benefit.  The long and short of it is that it’s a gamble either way.  Wait a little longer and your benefit amount goes up… Take it early and you receive less.  There is no easy answer!

When Should I Start Taking My Social Security Benefit?

Tom’s article does offer some good advice when it come to making the decision however.

Tom says a person should TAKE SOCIAL SECURITY EARLY IF:

  • Your income is low and you need the money right away
  • You have a spouse who will be eligible for a larger benefit down the road
  • You don’t believe you’ll live into your 80′s


  • You are still working and generating income
  • You are healthy and have a long history of extended years ahead
  • You have large nest egg built up (at least $500K)

Do Not Delay Taking Social Security Beyond The Age of 70

One thing you need to be aware of though is that IF you can wait until 70, it’s a good idea to do so.  Your benefit will be 32% higher than at the full retirement age (which is now 65-67 depending on when you were born).  But we cannot stress this enough.  DO NOT WAIT ANY LONGER THAN 70 TO COLLECT YOUR SOCIAL SECURITY BENEFIT.  There is no incentive to do so.  You will simply be giving up those benefits that you earned over your working years.

If you’re interested in some additional information on social security benefits, see this nice PBS Posting by Larry Kotlikoff.  This article features some interesting questions and answers regarding the subject.

Baby Boomers Spending Big Money to Dine Out

3 boomers on a beachIt’s not surprising that Baby Boomers are spending more than their older or younger cohorts.  It’s not surprising because baby boomers have the numbers, and boomers have the disposable income!  A recent article appearing on NBC points to the fact that “those 55 and older spent more time last year in a booth, on a bar stool or waiting at the drive-thru. Those between the ages of 55 to 64 visited restaurants on average 220 times last year, the highest of any age bracket”.

There isn’t an industry around that doesn’t keep an eye on the baby boomer generation.  Given the recent news about boomers health being worse than previous generations, 78 million boomers should be looking for good food, a decent gym down the street, and other lifestyle changes that will lead to better future outcomes.  Industries that cater to boomers in those areas should do quite well over the next decade.

Where To Turn If You Suspect Elder Abuse

Elder Abuse Resources

We’ve all heard the horror stories… Caregiver neglects 82 year old in her care.  Son spends elderly parent’s savings on liquor and motorcycles.  The list goes on and on.  Would you know where to direct someone if they suspected elder abuse?

Well we’re here to tell you!  The Administration on Aging’s National Center on Elder Abuse has a great resource that provides a state-by-state resource guide that provides hotline numbers, statewide data, and statistics pertaining to elder abuse.  Click the interactive map to link up with this valuable resource.

As always, if you have some strong suspicions, please call your local authorities!  This is an issue that is incredibly under reported.

Pros and Cons of Peer-to-Peer Lending

Peer-to-Peer Lending- Is it Right for You?The state of the economy causes people to seek new loan options that they never would have considered in the past.  Peer-to-peer lending is attractive to both borrowers and lenders.  Facilitators offer many perks to make the lending process easier, including automatic payments and online filing.


Who Uses Peer-to-Peer Lending?

Many members of the same families have used peer-to-peer lending to lend and borrow money from each other.  Borrowing money may appear to be a simple transaction at first, but it can quickly become a nightmare.  Facilitators who are experienced with peer-to-peer lending will help with taxes and work to keep the loan separate from the family relationship.  Although family loans are common, any peer-to-peer loan transaction can occur without any previous relationship between the parties.

Peer-to-peer facilitators ensure that the loan is documented properly.  They take as much of the headache out of the loan process as they can.   A facilitator may also offer automatic payments so that the loan can be repaid without a question about the day it is due.

Pros of Peer-to-Peer Loans:

One benefit of peer-to-peer loans is that they can be used for almost any financial need.  This type of loan may be used instead of a second mortgage or a traditional bank loan because set-up fees and other fees are generally minimal.

Another benefit is that these loans require much less paperwork than traditional bank loans.  This eases the burden on the borrower to fill out a huge stack of forms and provide many documents before the loan can be funded.

Lower interest rates are another reason that borrowers choose peer-to-peer loans over traditional financing.  Low interest rates help both borrowers and lenders save a considerable amount of money.

Lenders benefit from peer-to-peer loans because they provide yields that aren’t available with traditional savings accounts or other low-risk investment options.  People who lend out their money themselves cut out the middleman, which allows them to make more in interest without having to charge a higher rate.  Even lenders who work with a facilitator typically earn more than they would through bonds, CDs or other investments.  They also get the psychological benefit of knowing they are helping out someone in need.

Cons of Peer-to-Peer Loans:

One con of peer-to-peer lending is that the lender may have to take a loss if the loan is not repaid.  The lender is also responsible for collecting the loan unless they use a loan facilitator to handle the paperwork and collection process.  Having to collect money from a family member is not something that most people enjoy, so using a loan facilitator is usually worth the cost just to have someone else doing the collecting.

Peer-to-peer loans are not insured like many other investments, so even the initial investment is at risk if the borrower defaults on the loan.  The best way for lenders to protect themselves against default is to lend a small amount of money to several borrowers instead of lending a large amount of money to a single borrower.  It is considerably less likely that many people are all going to default on their loans.

No investment is without risk, and many boomers have found that peer-to-peer lending is a wonderful way for them to help out people that they know or don’t know and make money at the same time.  Anyone who is considering using peer-to-peer lending as an investment should talk to their financial advisor about their unique financial situation before deciding if this investment is right for them.  Most lenders benefit greatly from having a peer-to-peer loan facilitator help them through the paperwork and handle the collection process for them

Will My Loved One Need An Income Cap Trust to Qualify for Medicaid Benefits?

Applying for Medicaid assistance (to help pay for the cost of long-term nursing home care) has always been a confusing process. It is pretty rare for a person to be able to apply for Medicaid and be eligible right away. Usually there is some advance planning required, and for many Medicaid applicants, that planning includes the creation of something called an Income Cap Trust.

What is an “Income Cap”?

Many states, including Oregon, have something called an “Income Cap.” The Income Cap rule states that if your monthly income is over a certain amount (currently $2,022 per month), you do not qualify for Medicaid long-term care assistance. This is true even if you have care costs that far exceed your income. For example, if your monthly Social Security and pension income is $2,200 per month, and your care costs are $6,000 per month, you do not qualify for Medicaid since your income is higher than the Income Cap.

This used to be a real problem for people, and many years ago, the only answer was to move to another state that did not have an Income Cap rule. Fortunately, the laws have changed, and a person whose income is over the Income Cap can now become qualified for Medicaid assistance by setting up a special type of trust known as an Income Cap Trust.

What is an “Income Cap Trust”?

An Income Cap Trust is designed to hold the Medicaid applicant’s pension and Social Security income. A bank account is set up in the name of the Income Cap Trust. Each month, all of the ill person’s income is deposited into the Income Cap Trust account. So long as the trustee of the Income Cap Trust (usually a spouse, partner or adult child) agrees to spend the income in a manner approved by Medicaid, the ill person will not be disqualified from receiving Medicaid assistance, even though his or her income is over the Income Cap.

How an Elder Law Attorney can help:

An experienced elder law attorney can be of tremendous help in this process. Most importantly, the elder law attorney prepares a plan for the spending of the ill person’s monthly income in accordance with the Medicaid rules, and submits the plan to Medicaid for approval. There are ways to design the “spending plan” in a way that provides the maximum benefit to the ill person and a healthy spouse. An experienced elder law attorney can make sure you don’t miss out on these opportunities. Remember that an Income Cap Trust takes some time to set up. You don’t want to get all of the way through a Medicaid application and be told “your application would be approved, but where is your Income Cap Trust?” Having your Income Cap Trust established at the right time can prevent long delays in Medicaid eligibility. At an average nursing home cost of $6,500 per month, a delay in your Medicaid application can prove very costly.

Do you know someone with a loved one who is in long-term care, or may need it in the future? Please pass this article along to them, so they will know about the need to plan in advance. You may save them from a stumble upon the Elder Care Path.

Geoff Bernhardt is an elder law attorney in Portland, Oregon. For more information on his firm and on Medicaid issues, please visit his website at