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There are three things about getting old that make it worth the wait. 

I don’t remember when it exactly happened (lately, I know for sure), but I have new-found wisdom, so people tell me. As a stroke survivor, that is mighty good. My thoughts and what comes out of my mouth are clever and intuitive. (Huh! Did I say that?) 

Then there’s the second thing–deals for seniors. Did you know, for example, that:

Retailer Discount In-store or online Eligibility Discount availability
Amazon Prime 50% off Prime membership Online  

Must be a qualifying government assistance recipient, including SSI and SNAP

Every day

Bealls Coast2Coast Rewards

10% off your purchase In-store No age requirement Tuesdays

Big Lots Big Rewards

Cash-back rewards, VIP shopping day discounts, and a birthday surprise In-store or online Must create a Big Lots account Every day

CVS ExtraCare

Earn 2% back in ExtraBucks Rewards every time you use your ExtraCare card In-store or online CVS ExtraCare card member Every day

CVS Veterans Advantage

20% off your purchase Online VetRewards member Every day

Home Depot

Price match guarantee In-store or online No age requirement Every day
Goodwill Senior Savings Day 10% off your purchase In-store 60+ years Tuesdays

JOANN Senior Discount Day

20% off your purchase In-store 55+ years; must present a state-issued photo ID for proof of age upon checkout to receive discount Check your local JOANN store for their senior day schedule


15% off your purchase In-store  

60+ years; must present a state-issued photo ID, which is required at checkout


Lowe’s Veteran Program

10% off your purchase In-store and online  

Military veterans must first enroll online; valid photo ID required at checkout

Every day
Ross Dress for Less 55+ Program 10% off your purchase In-store  

55+ years; must provide a photo ID at checkout

Michaels 10% off your purchase In-Store and Online  

55+ years; Must create a Michaels Rewards account

Every day
Red, White, and Blue Thrift Stores Senior Citizen Day 50% off your purchase In-store 55+ years Wednesdays
Rite Aid wellness 65+  

Earn 5x points, in-store purchases that day. Free pharmacist consultation to review medications, immunization needs, blood pressure screening, and Medicare Part D questions

In-store 65+ years; must enroll in-store for the wellness65+ and be a wellness+ member First Wednesday of each month

Percentage varies by store location

In-store 55+ years Tuesdays
Tanger Outlets  

Free Tanger coupon book with up to $1,000 in savings

In-store AARP member Every day
Walgreens Seniors Day 20% off eligible items and cash rewards In-store and online 55+ years or an AARP member; must create a myWalgreens account Check your local Walgreens for their senior day schedule

And finally, the third thing: Social Security. Supplemental Security Income, otherwise named SSI, turned 87 years old, is the largest source of income for most retirees, but only 43 percent of Americans are sure SSI will continue in the future. ​

That’s because the fix is in the hands of the Republican-led United States Congress who, in large part, think that personal savings are more important than relying on SSI alone. Thus, with SSI as it’s set up now, most on both sides of the aisle, the funding will run out in a decade or so.​

But without Social Security benefits, 21.7 million more Americans would be below the poverty line, according to the Center on Budget and Policy Priorities, as well as Social Security Disability Insurance (SSDI) which help pay the monthly bills for retired and qualified disabled workers and their families. ​​

Trouble is right around the corner. SSI and SSDI will be out of money in 11 years, according to the latest report from Social Security’s trustees and calculations which show that the program would cover only 80 percent of benefits. ​

Congress is dragging its heels, thinking that somewhere around 2035 is a long way off. But based on recent calculations, if nothing is done to stop it, the funds will run dry in 2034. 

The picture looks better from another point of view. One reason is from 1940 to 2019, life expectancies at age 65 have increased by about 6.5 years. ​SSI, the proponents say, isn’t going to stop entirely for it will be covered by the payroll taxes coming into the system. 

Thus, Congress will have to raise taxes or modify benefits or do some of both. Some have suggested doing away with the entire program and converting it to individual account plans similar to a 401(k) retirement program, that is, you contribute a portion or all of your current payroll taxes to a retirement account that you manage yourself. Thus, your choices matter.
Wisdom and senior deals are one thing that are fun to encounter, but 21.7 million more people going below the poverty line if SSI evaporates is friggin’ scary. 
As Dr. Phil says, “Don’t wait until you’re in a crisis to come up with a crisis plan.”
And Congress is waiting.
Joyce Hoffman

Joyce Hoffman

Joyce Hoffman is one of the world's top 10 stroke bloggers according to the Medical News Today. You can find the original post and other blogs Joyce wrote in Tales of a Stroke Survivor. (https://talesofastrokesurvivor.blog)
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