What Benefits Am I Missing?
Most people know about Medicare and Social Security. Far fewer know about the additional benefits, savings, protections, discounts, and programs that may be available based on their personal situation.
The hard part is not always completing the form. The hard part is knowing the benefit exists and recognizing that it may apply to you.
You May Be Missing More Than One Kind of Benefit
Retirement decisions overlap. A change in income, employment, marital status, health, housing, or caregiving responsibilities can open one door while affecting another.
Lower Medicare Costs
- Medicare Savings Programs
- Part D Extra Help
- Lower Medicare premiums
- IRMAA reductions after income changes
Social Security Benefits
- Spousal benefits
- Survivor benefits
- Divorced-spouse benefits
- Benefits based on another work record
Money You May Be Owed
- Unclaimed property
- Forgotten retirement accounts
- Pension benefits
- Unpaid insurance proceeds
Home and Property Savings
- Property-tax relief
- Utility assistance
- Housing programs
- State and local discounts
Family and Caregiver Benefits
- Dependent-family benefits
- Disabled adult child benefits
- Caregiver resources
- Benefits after a spouse dies
Deadlines and Protections
- Medicare enrollment periods
- Social Security filing rules
- Appeal and reconsideration rights
- Special enrollment opportunities
Why So Many Benefits Get Missed
Many benefits are not automatically handed to you. They depend on details that may never be reviewed unless you raise the question or submit a specific application.
Government agencies also tend to look at one program at a time. Your retirement life does not work that way.
- Your income recently changed
- You retired or reduced your work
- You are widowed or divorced
- You are helping an aging parent
- You have limited income or savings
- You moved to another state
- You delayed Medicare enrollment
- You do not know which forms to file
What the Retirement Readiness Assessment Reviews
You will not be shown every benefit on the website. Your answers help identify the subjects that appear relevant to your situation.
We Will Not Pretend a Questionnaire Can Guarantee Eligibility
The assessment is a screening and educational tool. Social Security, Medicare, Medicaid, state agencies, employers, pension administrators, and other organizations make the final decisions.
Our job is to help you identify what deserves a closer look, understand why it matters, and ask better questions before an opportunity or deadline is missed.
Ready to See What You May Be Missing?
You do not need to know the name of the benefit, program, or form. Start with what is happening in your life and let the questions help uncover what may deserve your attention.
Find the Benefits I May Be MissingThis page and the Retirement Readiness Assessment are provided for general educational purposes. They do not guarantee eligibility, approval, benefit amounts, savings, or enrollment rights. Program rules and deadlines can change.