Social Security: Extra Benefits Retirees Often Miss

Millions rely on Social Security, but many miss extra benefits like SSI, spousal, survivor help, Medicare savings and state aid—learn how to check eligibility.

Millions of older adults rely on Social Security as their primary source of income, yet many don’t realize they may qualify for additional benefits. Retirees often assume their only option is their monthly check, but a range of extra Social Security benefits and related programs can boost income and reduce healthcare costs.

Key extra benefits to know include Supplemental Security Income (SSI) for low-income seniors, spousal and survivor benefits, Medicare Savings Programs, and the Extra Help prescription drug subsidy. SSI can provide a monthly top-up for people with limited income and resources, while spousal benefits may increase your household income if you qualify based on a spouse’s work record. Survivor benefits can also provide critical support after the death of a spouse.

Health-related savings are just as important. Medicare Savings Programs help pay Medicare Part B premiums and other out-of-pocket costs for eligible retirees. The Extra Help program can significantly lower Medicare Part D prescription costs. Applying for these programs can reduce monthly expenses, freeing up funds for essentials like food, housing, and medications.

Many states and local agencies offer additional assistance such as property tax relief, utility discounts, and food support (SNAP). Veterans may qualify for VA pensions or other veteran-specific benefits that supplement Social Security. Because eligibility rules vary, it’s important to review income and asset limits and gather documentation like Social Security numbers, tax returns, and bank statements when applying.

How to check your eligibility: review your Social Security statement at SSA.gov, use benefit calculators, and contact the Social Security Administration by phone or at a local office. You can also reach out to your State Health Insurance Assistance Program (SHIP) or local aging services for free counseling. These resources can help you identify programs you may qualify for and assist with applications.

Don’t leave money on the table. A few minutes reviewing your records or talking with a benefits counselor could unlock additional support you’re entitled to. Start by checking your Social Security account online and contacting local agencies to explore SSI, spousal or survivor benefits, Medicare savings, and state assistance programs.

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