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What is the difference between AARP and the AARP Foundation?

4 min read

Millions of people know AARP for its influential advocacy and member discounts, but many are unaware of its charitable counterpart, the AARP Foundation. Understanding what is the difference between AARP and the AARP Foundation is key to recognizing their unique roles and how they work together to support older adults across the country.

Quick Summary

AARP is a non-profit membership organization offering benefits, discounts, and advocacy for people 50+, while the AARP Foundation is its affiliated public charity that provides free programs and services to vulnerable older adults with low income, regardless of AARP membership status.

Key Points

  • Mission Focus: AARP is a member organization focused on broad advocacy and benefits, while the AARP Foundation is a charity focused on fighting senior poverty.

  • Membership Distinction: AARP requires membership for its exclusive benefits, but the AARP Foundation serves eligible individuals whether they are AARP members or not.

  • Funding Source: AARP is funded primarily by membership dues, whereas the AARP Foundation relies on donations, grants, and contributions from AARP.

  • IRS Classification: AARP is a 501(c)(4) social welfare group, and the AARP Foundation is a 501(c)(3) public charity, which has implications for tax-deductibility.

  • Service Area: AARP provides widespread member perks, while the AARP Foundation offers direct, free services like tax preparation and benefits access to low-income seniors.

In This Article

AARP: The Member-Focused Advocacy Giant

AARP, formerly known as the American Association of Retired Persons, is a powerful non-profit membership organization for individuals aged 50 and over. With tens of millions of members, its primary mission is to enhance the quality of life for all as we age through advocacy, information, and service. AARP operates as a 501(c)(4) social welfare organization, which means it can engage in lobbying and political advocacy on behalf of its members. The organization champions positive social change and delivers value primarily to its paying members.

Key Functions and Member Benefits of AARP

The core of AARP's work is driven by its large membership base and their collective power. Here are some of the key areas of focus:

  • Advocacy and Lobbying: AARP is a major lobbying force in Washington, D.C., and state capitals, fighting for issues that matter to its members, such as strengthening Social Security and Medicare, and advocating for affordable healthcare and prescription drug costs.
  • Information and Resources: Members receive exclusive access to publications like AARP The Magazine and AARP Bulletin, which provide valuable information on health, money, retirement, and lifestyle.
  • Member Discounts: AARP leverages its large membership to secure a wide range of discounts on products and services from third-party providers. These include savings on travel, dining, insurance, cell phone plans, and entertainment.
  • Educational Initiatives: AARP offers educational resources, including its Smart Driver course and online forums, to help members stay informed and engaged.

The AARP Foundation: The Charitable Arm of the Mission

The AARP Foundation is a legally distinct, independent public charity established by AARP in 1996. As a 501(c)(3) charitable organization, it focuses on helping vulnerable older adults with low income by providing direct services and support. Unlike AARP, the Foundation's services are available to all eligible individuals, regardless of whether they are AARP members. The Foundation's work is funded through a mix of private donations, corporate partnerships, and federal grants, with significant contributions also coming from AARP itself.

Core Programs and Services of the AARP Foundation

The Foundation's work directly addresses the fundamental challenges of senior poverty. Key programs include:

  • Tax-Aide: This is the nation's largest free, volunteer-run tax assistance and preparation service, helping millions of older adults file their taxes and claim eligible credits and deductions.
  • Benefits Access: The Foundation helps low-income seniors connect with government benefits they are entitled to, such as the Supplemental Nutrition Assistance Program (SNAP) and Medicare Savings Programs.
  • Workforce Development: Through programs like BACK TO WORK 50+, the Foundation provides training, coaching, and resources to help unemployed older adults re-enter the workforce.
  • Social Connections: Initiatives are in place to combat social isolation, a significant challenge for many seniors, by fostering stronger community connections.
  • Legal Advocacy: The Foundation's legal arm engages in litigation to protect the rights of people 50 and over, particularly addressing issues related to age discrimination and housing.

Comparison Table: AARP vs. AARP Foundation

Feature AARP AARP Foundation
Legal Status 501(c)(4) social welfare organization 501(c)(3) public charity
Primary Purpose Member advocacy, discounts, and information for those 50+ Charitable programs and services for low-income vulnerable adults 50+
Membership Requirement Yes, primarily serves paying members No, serves eligible individuals regardless of membership status
Funding Sources Membership dues, third-party royalties, investments Donations, grants, corporate sponsorships
Tax-Deductibility Membership dues and donations are generally NOT tax-deductible Donations are generally tax-deductible
Advocacy Style Broad political lobbying and policy advocacy Legal advocacy focused on specific court cases and policy changes
Core Focus General enrichment, benefits, and protection for the 50+ population Addressing senior poverty, hunger, isolation, and income issues
Key Activities Lobbying, publications, discounts, member events Tax assistance, benefits enrollment, workforce development, legal aid

The Relationship: How the Organizations Intersect

The connection between AARP and the AARP Foundation is deliberate and strategic, serving different aspects of the same overarching goal: to support and empower older adults. AARP’s financial strength and large membership provide a solid base, from which the Foundation can operate as the direct-service, boots-on-the-ground charitable component. For example, AARP contributes significantly to the Foundation's funding, and many AARP members volunteer for Foundation-run programs like Tax-Aide. This symbiotic relationship allows AARP to focus on high-level advocacy and broad member services, while the Foundation addresses the immediate and critical needs of the most vulnerable seniors. This collaborative structure was formally established after federal law changes affected how advocacy organizations could receive government grants, leading to the creation of the Foundation as a separate entity.

Conclusion

While often confused, AARP and the AARP Foundation are two distinct entities with different functions that together form a powerful force for older adults. AARP, as the membership-based advocacy powerhouse, focuses on lobbying, policy, and providing valuable benefits to its paying members. The AARP Foundation, as the charitable arm, concentrates its efforts on direct aid and innovative programs to reduce senior poverty, serving low-income individuals whether they are members or not. This clear distinction helps explain their complementary roles in championing the needs and well-being of the 50+ population.

For more information on the Foundation's specific programs, visit the official AARP Foundation website.

Frequently Asked Questions

Yes, absolutely. The AARP Foundation is a public charity and its programs and services are available to anyone who meets the eligibility criteria, regardless of AARP membership status.

Donations made to the AARP Foundation, as a 501(c)(3) charity, are generally tax-deductible. In contrast, membership dues or donations to AARP itself, a 501(c)(4) social welfare organization, are typically not tax-deductible.

AARP supports its charitable affiliate in several ways. It provides a significant portion of the Foundation's funding and encourages its millions of members to volunteer for Foundation programs, such as Tax-Aide.

AARP engages in broad political lobbying to influence legislation and policy on behalf of all people 50+, while the AARP Foundation's advocacy is often focused on legal action to defend the rights and interests of vulnerable older adults.

No. AARP's membership discounts are on third-party products and services like travel and insurance. The AARP Foundation's services, such as free tax prep and benefits access, are provided at no cost to eligible individuals and are not part of the member discount program.

The separation occurred in 1996 to comply with federal law changes that restricted lobbying organizations like AARP from receiving government grant funding. Establishing the Foundation as a separate charity allowed it to legally continue receiving and administering such funds.

While legally distinct, AARP and the AARP Foundation share headquarters in Washington, D.C., and collaborate on their shared mission to serve the 50+ population.

Medical Disclaimer

This content is for informational purposes only and should not replace professional medical advice. Always consult a qualified healthcare provider regarding personal health decisions.