Expires Soon: Seniors Need to Claim These 17 Benefits or Lose Them

Not every restaurant offers senior discounts. But here are some of the better ones we've found (note: some of these are subject to individual restaurant participation.)

Burger King: 10% senior discount. Plus occasional drink specials.

McDonalds: Discounts on coffee and drinks.

Wendy's: A free drink (some locations offer a 10% discount)

White Castle: 10% off for 55 and over.

Sonic: 10% discount.

Subway: 10% discount.

Applebees: 10% senior discount.

IHOP: Special senior menu, with a 10% discount.

Denny's: Special senior menu with discounted prices.

Golden Corral: ages 60 and over get a discount.

Walmart: does not offer ongoing senior discounts, but they frequently offer a lot of promotions on their website.

Amazon: Medicaid cardholders can get an Amazon Prime membership at a rate of $5.99 a month, as opposed to the full price of $12.99 per month.

If your joints hurt, run (well, click) to claim your free 2-week sample of Instaflex Advanced.

This is no joke: Instaflex Advanced has become the top selling joint pain product at both GNC and Walgreens. That's because it works – thousands of seniors are enjoying a pain-free life because of this great product.

But don't take our word for it. We've discovered the manufacturer is giving away free 2-week samples to seniors who want to try it. Take advantage of it!

The biggest cell phone carriers all offer discounts to older Americans. Here are the best we found:

AT&T: has a special "Senior National Plan" for seniors 65+, with hundreds of minutes for just $29.99 a month! They also have a discount plan for people 55+.

Sprint/T-Mobile: offers the "Essentials Unlimited 55+" plan, which should cover most folks. There are other “seniors only” plans as well.

Verizon Wireless:has perhaps the best one if you really like to use your phone. For those 55 and over, you can get unlimited talk/text/data for $60 a month. I mean, unlimited data? Youtube and Netflix, here we come!!

We’ll bet you didn’t know that every state in the country has a property tax benefit for seniors. The ages it kicks in varies by state, but you may be eligible as young as 50.

In some states, seniors get a rebate. In others, property taxes can be frozen. In still others, increases are capped. Other states increase “the homestead exemption” (for example, Colorado seniors 65+ can exempt up to half of their residence's first $200,000 in value.)

The trick is, you have to do the research. But now that we told you, you can get going (do yourself a favor – bookmark this page so you don’t forget).

The place to start is at your local township's website. At the least, call them and speak to your Town Clerk – just ask “are there property tax reductions for seniors?”

The demand for life insurance amongst seniors has risen dramatically. This is because many seniors need to take a more active financial role in their kid’s and grandkid’s lives.

The issue is that life insurance for seniors can be pricy. However, one prominent company – AIG– offers $50,000 of Term Life Insurance Coverage to seniors with rates as low as $19 a month. Heck, 30-year olds have trouble getting a rate like that!

If you feel like life insurance is a good idea (or if you are paying more than $19 a month now), get a free quote from AIG

Please do not assume your Social Security is accurate. You will get a statement every year, and we encourage you to check it.

Remember, your Social Security benefits are calculated from the average of your 35 highest-earning years. Even one or two years wrongly reported could really throw things off. Look at your old tax returns, figure out your 35 highest years, and make sure you get every penny coming to you.

Report any errors to www.ssa.gov.

You may qualify for the $10 billion in cash, formally called the Homeowners Assistance Fund.

You’re eligible for relief if you own your home and have a loan with a principal balance at or below the conforming loan limit which on average in the U.S. is $548,250.

How long this program remains viable is unknown, so click your state below to calculate your new mortgage payment.

Select Your State

Lowes salutes you! All active military and veterans (as well as their spouses) get an instant 10% discount on all in-store purchases at Lowe's.

This should make your shopping choice easy if you are looking for tools, appliances, or anything else Lowes sells.

For a neighborhood hardware store, you can't do better than Ace Hardware. Friendly service and a great selection are reasons enough to shop there. But an even better reason for seniors is most locations offer a 10% senior discount on most items. Be sure to ask for it!

It’s a given – people 50+ are safer drivers. They are not only better drivers than the kids, they also drive less as a group.

This adds up to huge auto insurance discounts. But your insurance company will not let you know about them. You have to find them out.

Fortunately for those 50+ comparisons.org can compare car insurance companies side by side, and show you all the discounts you’re missing.

The cost for this awesome service? How about FREE? Yup, 100% free.

The average 50+ driver can save close to $600 a year. How does $600 back in your pocket sound?

Airlines are great at offering senior discounts. Here are a few of our favorites:

Southwest Airlines: There are several discounts they offer for those 65 or over. It depends on "where and when" you are traveling. Check their website to see what's available to you.

United Airlines: Check out united.com for special senior rates on select destinations.

American Airlines: When you book on American, be sure to choose the "65+" option (assuming you're 65 or older of course!) But you'll get a discount.

Several drug chains and other companies offer senior discounts.

RiteAid: They have a Wellness 65+ program for seniors – it includes free consultations, and discounts up to 20% on Wednesdays.

Walgreens: They tie senior discounts in with their myWalgreens program. It's free to join, so it's definitely worth checking out.

RxFreeCard: This pharmacy discount card offers discounts on almost all medications (even pet medications!)

Atera Spas: Who doesn't want a relaxing spa in their home? Atera offers healthy senior discounts – check them out if you are looking for a spa.

Did you know AARP has a rewards program? Members earn 50% more points on activities.

AARP’s mission is to empower people to choose how they live as they age. At $12 a year with auto-renew, AARP provides access to hundreds of benefits that help you live your best life. From health and financial tools, volunteering opportunities, travel and restaurant discounts, to everything in between, if it has to do with enriching the lives of people 50-plus, this is what AARP is all about. What is an AARP Membership? An AARP membership gives you a wide variety of carefully chosen discounts, information and services, as well as an advocate for important issues like Medicare and Social Security. AARP also provides a wealth of opportunities to save money, play, and volunteer plus, with AARP rewards, members can learn while they earn and get access to member-only exclusive deals. Choose from Member Benefits in a variety of categories, such as:

● Games ● Travel ● Advocacy ● Restaurants ● Jobs ● Entertainment

There are plenty of grocery stores that offer senior discounts. Most of them tie them to a special day, so pay attention and save!

American Discount Stores: Those 62+ save 10% every Monday.

Bi Lo: 5% off on Wednesdays for those 60 and over.

ShopRite: Some stores offer a 5-10% senior discount on Tuesdays and Wednesdays. Call your local store to find out if they participate.

Fred Meyer: Senior Discount: The first Tuesday of each month is senior day (55+), with 10% off (and sometimes even 15%)

New Seasons: Offers 10% off to those 65+ every Wednesday (for most items). Oh, Tuesdays are 10% off for military – sweet!

Here are some great health and beauty related discounts for seniors:

Great Clips: Seniors can save $2 or more on a Great Clips haircut.

Supercuts: Also offers a $2 senior haircut discount.

MasterCuts: Offers 20% of all services Mon-Thur (must join their free seniors club).

Silver Sneakers Fitness: Senior Discount: Participating locations give free memberships to seniors. If there is one in your area, check it out.

YMCA: The good old YMCA offers a discounted membership for those 65 and over

We’ve discovered this previously unknown free online tool that’s been called "The Amazon of Homeowner's Insurance". We checked it out – it’s not only free, it’s totally legit!

Essentially, seniors file fewer homeowner’s claims, so they tend to get better pricing. This free tool digs deep and uncovers the hidden discounts your insurance company didn’t offer you, allowing you to then claim them.

$536/yr is better in your pocket than theirs, right? Especially with retirement right around the corner.

Take advantage of this free tool before the insurance companies have it taken down. Get started by clicking below how many years you’ve been in your home.

There is an awesome Home Warranty Program called Choice Home Warranty. It augments your homeowner's insurance by covering things like refrigerators, the furnace, ceiling fans, and more. Everything a senior doesn't want to fix anymore.

The best part is, you can buy this no matter how old your home is.

Better still, you can get your first month free. So check it out, seniors.