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What does AARP do to help seniors? A Comprehensive Guide

4 min read

According to Investopedia, AARP has nearly 38 million members and a significant presence in Washington and state capitals, lobbying for issues affecting older Americans. While many know AARP for its member discounts, a deeper dive into their multi-faceted approach reveals exactly what does AARP do to help seniors beyond just saving money.

Quick Summary

AARP assists seniors through robust lobbying for social programs, providing diverse member benefits, and offering valuable resources for financial planning, fraud prevention, and wellness.

Key Points

  • Advocacy: AARP is a powerful lobbyist for older Americans, protecting and advancing their interests in Social Security, Medicare, and affordable prescription drugs.

  • Financial Security: The organization provides resources and tools for retirement planning, tax assistance, and comprehensive fraud prevention.

  • Healthcare Access: AARP advocates for quality and affordable healthcare and offers members discounted supplemental insurance, dental, and vision coverage.

  • Diverse Benefits: Membership offers access to discounts on travel, insurance, entertainment, and wellness programs to support daily living.

  • Community Engagement: AARP combats social isolation by promoting volunteer opportunities, providing intergenerational programs, and hosting community events.

  • Fighting Ageism: The organization works to protect older workers' rights and challenges negative stereotypes about aging through education and media representation.

In This Article

AARP's Powerful Advocacy in Washington and State Capitals

AARP is a vocal and influential advocate for the 50-plus demographic, actively lobbying and engaging policymakers at both federal and state levels to protect and advance the interests of older Americans. Their advocacy efforts are a core part of their mission, often focusing on systemic changes that benefit the entire senior population, not just members.

Protecting Social Security and Medicare

One of AARP's most prominent roles is its unwavering commitment to protecting foundational social programs. The organization works tirelessly to advocate for the stability and security of Social Security, ensuring it remains a reliable source of retirement income for future generations. Similarly, AARP plays a critical role in safeguarding and strengthening Medicare, pushing for policies that ensure all older Americans have access to affordable, quality health care. This includes monitoring costs and access to care, especially in rural areas.

Fighting for Affordable Prescription Drugs

AARP has long been a leading voice in the fight to lower prescription drug costs. Their advocacy has helped pass legislation, such as allowing Medicare to negotiate lower prices for certain drugs, but their work continues to challenge high drug prices through lobbying in Congress and statehouses nationwide. This is a crucial effort for seniors on fixed incomes, for whom rising medication costs can pose a significant financial burden.

Combatting Age Discrimination

Through advocacy, education, and legal support, AARP is committed to protecting older workers' rights. The organization actively works to change negative perceptions and stereotypes about aging in the media and advertising to promote a more accurate and positive image of older Americans. This includes providing career support, job boards, and skill-training for those seeking employment later in life.

Practical Resources for Financial Security

For many seniors, financial security is a top concern. AARP provides a wealth of tools and resources to help older adults manage their money effectively and plan for their financial future.

Retirement Planning Tools and Workbooks

AARP offers a range of online calculators, guides, and workshops to help individuals at any stage of their financial journey. Resources cover topics from estimating retirement needs to navigating Social Security benefits. For instance, the AARP Retirement Calculator helps estimate savings needs, while their Social Security Calculator helps maximize benefits by determining the optimal time to claim.

Tax Assistance and Fraud Protection

One of AARP's standout resources is its free tax-aide program, where IRS-certified volunteers assist older adults with filing their taxes to ensure they receive the credits and refunds they've earned. The organization also operates a robust fraud prevention program, arming seniors with information to avoid scams and advocating for stronger laws to hold criminals accountable.

Benefits for Health and Well-being

AARP members can access a wide variety of benefits designed to support their health and improve their quality of life.

Insurance Options for Every Need

Membership can provide access to affordable insurance options tailored to seniors' needs. This includes:

  • Supplemental Health Insurance: Coverage that helps with costs not covered by original Medicare.
  • Dental and Vision Coverage: Helps reduce out-of-pocket expenses for important care.
  • Life and Long-Term Care Insurance: Offers peace of mind and financial security for the future.

Wellness Programs and Fitness Discounts

Staying active is a critical part of healthy aging. AARP makes this more accessible by offering resources like:

  • Discounts on gym memberships through programs like Renew Active.
  • Access to free online fitness videos and wellness workshops.
  • Discounts on wellness apps for meditation and relaxation.

Cultivating Community and Engagement

To combat social isolation, AARP fosters a strong sense of community through various volunteer opportunities and events.

Volunteer and Intergenerational Programs

AARP offers numerous ways for seniors to stay engaged and give back, including its Tax-Aide and Experience Corps programs. Experience Corps, for example, encourages older adults to tutor and mentor children, providing a rewarding intergenerational experience for all involved. The AARP Virtual Community Center also hosts a wide range of free exercise classes, workshops, and social events.

Comparing AARP's Member Benefits vs. Its Mission

While member perks are a significant draw, it is important to differentiate between AARP's for-profit offerings and its non-profit, advocacy-focused mission.

Feature AARP Member Benefits AARP Advocacy & Mission
Type of Aid Direct, tangible services and discounts via membership Systemic change through lobbying, research, and public education
Examples Insurance plans, retail discounts, tech support, fitness programs Protecting Social Security/Medicare, lowering drug costs, combating ageism
Target Individual members (50+) who pay a small annual fee All Americans 50+, regardless of membership
Benefit Delivery Services and perks accessed directly by members Influencing policy for widespread change that benefits all seniors

Conclusion: A Multi-Faceted Approach to Senior Support

In answering the question, what does AARP do to help seniors?, it becomes clear that their work is far more extensive than a simple list of discounts. Through a powerful combination of legislative advocacy, comprehensive financial and health resources, and robust community engagement, AARP serves as a vital advocate and resource for older adults. The organization's efforts address a wide spectrum of senior needs, from financial security and accessible healthcare to promoting wellness and fighting age-based discrimination, all with the goal of empowering seniors to live their best lives as they age.

For more detailed information on their public policy work, you can visit the official AARP Public Policies page.

Frequently Asked Questions

No, you don't. While AARP focuses on issues affecting the 50-plus community, anyone can join. Many people join in their 40s to take advantage of the member discounts and benefits, even though their mission is directed toward older adults.

No, membership in AARP requires a small annual fee. However, the affiliated AARP Foundation is a charitable organization that provides many of its services, like free tax assistance, to seniors in need at no cost.

The AARP Foundation is a separate, nonprofit charity that provides services to older adults, particularly those facing economic and social challenges. Unlike AARP, it focuses on helping low-income seniors with issues like food insecurity, access to benefits, and legal services, and is not a membership-based organization.

AARP is a nonpartisan organization and does not endorse political candidates or parties. Their advocacy is focused on the issues affecting their demographic, and they work with policymakers on both sides of the aisle to advance their goals.

AARP advocates for policies that lower drug prices and has supported legislation allowing Medicare to negotiate costs. They also offer members access to the AARP Prescription Discounts program, which can provide savings on medications at participating pharmacies.

AARP provides a variety of financial resources, including a retirement calculator, a Social Security calculator, and workshops on budgeting and investing. They also offer guidance on estate planning and help managing student loan debt.

AARP has a dedicated fraud prevention program that offers resources to help seniors recognize and avoid scams. They provide information, tips, and a helpline to report fraud and get assistance.

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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.