AARP's evolving membership requirements
For decades, AARP has been synonymous with retirees and benefits for those over 50. However, the organization's membership rules have changed considerably over time to reflect a broader demographic. These changes came in stages, from initially reducing the primary membership age to eventually removing a lower age limit altogether. Understanding this history clarifies why people of different ages are now eligible to join and what benefits they can access.
The early years: 55 and older
When the American Association of Retired Persons was founded in 1958 by Ethel Percy Andrus, membership was initially open to Americans over the age of 55. The organization's focus was, as the name suggested, on retired persons, offering insurance and advocating for the interests of older Americans. This original 55+ age requirement remained in place for more than two decades, setting a firm boundary for eligibility.
The pivotal change of 1984
One of the most significant shifts occurred in 1984, when AARP dropped the membership age requirement for its primary membership from 55 to 50. This was a watershed moment, expanding AARP's target audience to include millions of baby boomers who were reaching this milestone. This move signaled a strategic expansion of the organization's reach and a recognition that people in their 50s had needs and interests that aligned with AARP's mission. The change helped fuel substantial growth for the organization and positioned it as a key resource for the newly aging population.
Dropping the "Retired Persons" label in 1999
Another key development, though not an age-related one, was the name change in 1999. The organization rebranded itself simply as AARP, dropping the reference to "Retired Persons." This decision was a direct acknowledgment that a significant portion of its membership—nearly a third at the time—was still in the workforce. The rebranding helped modernize AARP's image and further aligned its mission with the evolving reality of how people live and work as they age. This change laid the groundwork for a more inclusive membership model, one that didn't assume retirement as a prerequisite for benefits.
The modern era: Anyone can join at 18+
In more recent years, AARP has made its biggest leap yet by eliminating the concept of a strict lower age limit for membership. Today, membership is open to anyone aged 18 or older. The organization now frames its mission around "empowering people to choose how they live as they age". This inclusive approach means younger individuals can access AARP's extensive array of discounts and resources, though some key benefits remain restricted to the 50+ demographic.
How benefits differ by age
While anyone over 18 can join, the specific benefits available can vary depending on a member's age. This is often due to legal or contractual requirements, especially concerning insurance products. The table below outlines some general differences in benefits for younger versus older members.
| Feature | Under 50 | 50+ |
|---|---|---|
| Membership Eligibility | Any adult 18+ can join | All 50+ can join |
| Insurance Products | Access to general discounts on products like auto insurance, but age-restricted products are not available | Eligible for all insurance products, including Medicare Supplement plans, auto, and home insurance |
| Travel Discounts | Access to many discounts on hotels, car rentals, and cruises | Access to all available travel discounts, including special deals |
| Retail and Dining Discounts | Access to a wide range of discounts at participating retailers and restaurants | Access to a wide range of discounts at participating retailers and restaurants |
| Publications | Receive AARP publications, such as AARP The Magazine | Receive AARP publications, including those relevant to retirement and Medicare planning |
| Advocacy | Support AARP's advocacy efforts | Benefit from AARP's advocacy for issues affecting the 50+ population |
Why join AARP if you're under 50?
For many years, the idea of a younger person joining AARP seemed counterintuitive. However, the modern membership model provides clear advantages for people of all ages. Younger members can take advantage of numerous discounts on everyday purchases, travel, and entertainment. Additionally, a membership provides access to valuable financial planning resources, career development workshops, and fraud prevention information. Essentially, joining AARP before age 50 is seen as a way to start preparing for a more secure retirement and to begin saving money on a variety of products and services, making the minimal annual fee a worthwhile investment.
Visit the official AARP website for the most up-to-date information on membership and benefits.
The end of the 'associate member' distinction
For a period, AARP offered a separate "associate membership" for those under 50. This was essentially a stepping stone for younger individuals, granting them access to most benefits while distinguishing them from the primary 50+ membership group. However, the organization no longer makes this distinction and has instead streamlined its membership, simply opening it to anyone over 18. This move simplifies the joining process and reinforces AARP's image as a resource for all adults, regardless of their age or retirement status.
Conclusion: AARP's evolution and what it means for members
From its origins catering to retirees over 55, AARP has evolved significantly, particularly with its age limit changes. By first lowering the age to 50 in 1984 and later opening membership to those 18 and older, AARP has strategically expanded its influence and appeal. This evolution is a direct response to a changing society where the traditional concept of retirement is less defined. It offers a more inclusive vision that empowers individuals at every stage of life to plan for their future while enjoying valuable discounts and resources today.
