AARP Eligibility Demystified: Who Can Join?
AARP is one of the most widely recognized organizations for older Americans, but the perception that you must be retired or over the age of 50 to join is a myth. The organization’s membership policy is far more inclusive than many people realize.
The Real Age Requirement for Membership
The fundamental requirement for AARP membership is simple: you must be at least 18 years old. AARP officially opened its membership to people aged 18 and older to expand its base and offer a broader range of benefits. The organization, which began with a focus on retired teachers, has evolved significantly since its founding in 1958.
Why the Focus on 50+?
While anyone over 18 can join, AARP's core mission is to empower and advocate for the 50+ population. This advocacy and a select number of benefits—particularly certain insurance products—are focused on this demographic. The distinction lies in the access to certain age-restricted benefits, which become available to members once they reach the age of 50.
How to Become an AARP Member
The process for joining AARP is straightforward and can be completed through several channels.
- Online: The quickest method is to visit the AARP website, choose a membership term, and fill out the online form. You'll get immediate digital access to your membership card and benefits.
- By Phone: For those who prefer to speak with a representative, membership can be purchased by calling the toll-free number listed on the AARP website.
- By Mail: If you've received a membership offer in the mail, you can complete and return the application with your payment.
Additional Membership Privileges
One of the unique perks of AARP membership is the free secondary membership. When you join, you can add one other adult from your household to your membership at no extra cost. This can include a spouse, partner, or any other adult living in your home, allowing them to also enjoy the available benefits and discounts.
Membership Costs and Packages
The cost of an AARP membership varies depending on the term you select. Opting for automatic renewal or a multi-year package often provides the best value.
- One-Year Membership: Often discounted for the first year with automatic renewal.
- Three-Year Membership: Offers a discount on the annual rate.
- Five-Year Membership: Provides the deepest annual discount over the longer term.
These fees grant access to the vast majority of AARP's benefits and resources, regardless of your age, making it a cost-effective choice for many.
Benefits for All Ages vs. Age-Specific Benefits
To understand the true value of an AARP membership, it's important to distinguish between the general benefits available to all members and those with specific age restrictions. Below is a comparison table outlining some key differences.
| Feature | 50 and Older | Under 50 | What to Know |
|---|---|---|---|
| Access to Insurance Products | Access to all AARP-branded insurance plans, including auto insurance from The Hartford and Medicare plans via UnitedHealthcare. | Access to many insurance products, but age-restricted policies like Medicare plans and certain auto insurance options are unavailable. | Certain insurance eligibility is tied directly to age, as required by law or contract. |
| Discounts | Full access to a wide array of discounts on travel, dining, shopping, and more. | Full access to the vast majority of discounts on travel, dining, and shopping. | Most discounts, such as those at restaurants and hotels, are not age-restricted. |
| Magazines and Resources | Receives both AARP The Magazine and AARP Bulletin. | Receives AARP The Magazine and other publications. | All members get access to AARP's publications and extensive online resources. |
| Advocacy | Direct beneficiary of advocacy efforts for Social Security, Medicare, and other issues affecting those 50+. | Indirect beneficiary of advocacy efforts that can affect long-term planning and future benefits. | AARP advocates on behalf of all its members, but its legislative efforts focus on the concerns of the 50+ demographic. |
How AARP Has Changed
AARP's journey reflects the changing landscape of aging in America. Originally founded as the American Association of Retired Persons, the name was officially changed to just 'AARP' in 1999 to better reflect its increasingly active and diverse membership, many of whom were still in the workforce. The organization's focus has evolved from solely addressing retirement issues to a broader platform of health, finances, and empowerment for all stages of life after 18.
Maximizing Your AARP Membership
Regardless of your age, an AARP membership offers a wealth of resources and savings. For younger members, it's an opportunity to begin preparing for the future with financial planning tools, career resources, and consumer discounts. For those over 50, it provides a comprehensive network of benefits, insurance options, and advocacy. To learn more directly from the source, visit the official AARP website.
Conclusion
The eligibility requirements for AARP are far less restrictive than commonly believed. With a minimum age of 18, membership is accessible to a wide audience seeking valuable discounts, resources, and advocacy. While some benefits are reserved for the 50+ crowd, the vast majority are available to all, providing significant value for a modest annual fee. Whether you're planning for retirement or looking for everyday savings, AARP offers something for everyone.
