All programs
Each guide explains who can get the program, what it pays or saves, and exactly how to apply.
Income
Social Security retirement benefits
Monthly payments for people who worked about 10 years. You can start at 62, but waiting raises your payment for life.
Social Security 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.
Social Security 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.
Supplemental Security Income (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
Health insurance for people 65 and over and some younger people with disabilities. Sign up on time to avoid lifelong penalties.
Medicare Part A (hospital insurance)
Covers hospital stays, skilled nursing care after a hospital stay, and hospice. Most people pay no premium.
Medicare Part B (medical insurance)
Covers doctors, outpatient care and preventive services. The standard premium is set each year; higher incomes pay more.
Medicare Part D (drug coverage)
Prescription drug plans from private companies. Yearly out-of-pocket drug costs are capped, and plans can be changed each fall.
Medigap (Medicare Supplement Insurance)
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 with Medicare drug costs
Lowers Medicare drug plan premiums, deductibles and copays for people with limited income and savings. Many eligible people never apply.