Find the benefits you have earned and can get after 60
Plain-language guides to income, health and drug-cost programs, and a short anonymous check that shows what you may qualify for and how to apply.
The check takes about 2 minutes. We do not ask your name, and your answers are not saved or sent anywhere.
Income
Retirement benefits
Monthly payments for people who worked about 10 years. You can start at 62, but waiting raises your payment for life.
Spousal benefits
A husband, wife or former spouse can get up to half of the worker’s full benefit, even with little or no work history.
Survivor benefits
A widow or widower can get up to 100% of the late spouse’s benefit. Divorced spouses married 10+ years can qualify too.
SSI
A monthly payment for people 65 and over, or blind or disabled, with very low income and savings. It often comes with Medicaid and food help.
Health and drug costs
Medicare overview
Health insurance for people 65 and over and some younger people with disabilities. Sign up on time to avoid lifelong penalties.
Medicare Part A
Covers hospital stays, skilled nursing care after a hospital stay, and hospice. Most people pay no premium.
Medicare Part B
Covers doctors, outpatient care and preventive services. The standard premium is set each year; higher incomes pay more.
Medicare Part D
Prescription drug plans from private companies. Yearly out-of-pocket drug costs are capped, and plans can be changed each fall.
Medigap basics
Private insurance that pays deductibles and the 20% Original Medicare leaves you to pay. The best time to buy is the 6 months after you get Part B at 65.
Extra Help
Lowers Medicare drug plan premiums, deductibles and copays for people with limited income and savings. Many eligible people never apply.
State and local help
Many programs, such as help paying Medicare costs, food help and property tax relief, depend on your state or county. State guides are being added, starting with the largest states. See states
Help in your language
Free phone help with an interpreter is available for the main programs. Find phone help in your language