How FDIC Bank Deposit Insurance Works

How FDIC Bank Deposit Insurance Works
Find out which accounts are and aren’t covered, plus the limits on protecting your savings
Corbis / Getty Images
AARP
September 06, 2022
You may recall the scene in It’s a Wonderful Life where George Bailey and his bride, Mary, are on their way to their honeymoon when they’re stopped by a run on the Bailey Brothers Building and Loan. The depositors have rushed to get their money out, because before federal deposit insurance, if a bank ran out of money, you ran out of luck — your savings were gone. George uses his honeymoon money and some earnest words to calm down the depositors to stop the run before the bank goes bust.
Join Now
Bank runs were no fantasy. During the Great Depression, from the fall of 1929 to the end of 1933, about 9,000 banks failed. And because there was no federal deposit insurance, millions of people saw their life’s savings vanish. To protect investors, and to ensure the soundness of the banking system, Congress created the Federal Deposit Insurance Corporation (FDIC) in 1933 to make sure that savers didn’t pay for the mistakes of bankers.
A notice from the Federal Deposit Insurance Corporation is tacked on the door of a failed New Jersey bank, February 14, 1939, assuring investors that most deposits are protected.
Bettmann / Getty Images
Bank failures are a hallmark of most economic recessions. The recession of 1990–1991 was preceded by about 1,000 failed savings and loans. More than 500 banks failed between 2008 and 2015 as the housing market collapsed.
The banking business has been remarkably stable. Eight banks have collapsed in the past five years, and the most recent bank failure was Almena State Bank in Almena, Kansas, on October 23, 2020. Nevertheless, when the economy weakens, the odds are good that bank failures will rise too. And that’s why it’s good to know how deposit insurance works.
The limits
FDIC insurance covers bank checking accounts, savings accounts, money market deposit accounts and certificates of deposit as well as cashier’s checks and money orders. Deposit insurance doesn’t cover stocks, bonds, mutual funds or other investments purchased through a bank, nor does it cover the contents of safety deposit boxes.
AARP NEWSLETTERS
LinkedIn
FDIC insurance protects up to $250,000 per depositor, per deposit category, per insured bank. Let’s break that down.
Per depositor. Let’s say you have a checking account and your spouse has a checking account at the same bank. Each account is insured to $250,000, for a total of $500,000. FDIC insurance also covers joint accounts separately; the owners of the account don’t have to be related. Each co-owner is insured for $250,000 for his or her combined interest in all the joint accounts at the institution. A couple could each have personal checking accounts with $250,000 and a joint account with $500,000 at the same bank and be insured for a total of $1 million.
Groceries
See All
See more Groceries offers >
{"hideCategory":false,"useAlternateLanguage":false,"headlineIconAltText":"","listItems":[{"categoryTitle":"Groceries","categoryUrl":"/benefits-discounts/?category\u003dshoppingandgroceries-groceries","categoryDeeplinkParam":"shoppingandgroceries-groceries","isLimitedTimeOffer":false,"offerJson":{"offer_id":"","offer_title":"20% Off Your Freshly Subscription","offer_short_title":"","offer_short_description":"20% off a Freshly meal delivery subscription","featured_offer":"","last_updated_by":"","offer_description":"\u003cp\u003eFreshly offers over 50 nutritionist-approved meals, delivered to your door. Members save 20% on subscriptions of 4 to 12 meals per week. You can pause, change or cancel your plan at any time.\u003c/p\u003e","redemption_type":"","created_by":"","country_code":"","tab_label_offer_details":"Details","tab_label_restrictions":"Disclosures","restrictions_label":"Disclosures","restrictions":"\u003cp\u003eAARP commercial member benefits are provided by third parties, not by AARP or its affiliates. Providers pay a royalty fee to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. Some provider offers are subject to change and may have restrictions.\u003c/p\u003e","offer_status":"","national_offer_flag":"","language_code":"","offer_type":"EverGreen","asi_category":"ASI Restaurants","line_of_business":"ASI discounts","merchant_name":"","marketing_details":"","member_exclusive_flag":"no","parent_brand":"","source_name":"Freshly","alternate_source_name":"","business_id":"","offer_video_thumbnail":"","image_url":"/content/dam/aarp/benefits_discounts/providers/freshly/1140x641-freshly-assorted-meal-options-april-2022.jpg","vertical_image_url":"/content/dam/aarp/benefits_discounts/providers/freshly/258x334--freshly-assorted-meal-options-april-2022.jpg","provider_image":"","provider_logo":"/content/dam/aarp/benefits_discounts/providers/freshly/450x450-freshly-logo-april-2022.jpg","offer_video_path":"","offer_copy_video_path":"","interstitial_title":"","interstitial_desc":"You\u0027ll leave AARP.org and go to the website of a trusted provider. The provider\u0027s terms, conditions, and policies apply.","created_user_role":"","is_no_end_date":"","advertisement_flag":"","advertisement_sort_order":"","disclaimer_label":"","disclaimer":"","merchant_logo":"","show_phone_number_above_cta":false,"merchant_phone_label":"or, call Freshly at","merchant_phone":"1-844-817-7667","howto_redeem_label":"How to Access","howto_redeem_expired":"Renew to Learn More","howto_redeem_expired_2":"Renew to Learn More","howto_redeem_expired_link":"https://appsec.aarp.org/mem/renew","howto_redeem_expired_link_2":"https://appsec.aarp.org/mem/renew","howto_redeem_non_member":"Join to Learn More","howto_redeem_non_member_2":"Join to Learn More","howto_redeem_non_member_link":"https://secure.aarp.org/applications/membershipChallenge/showChallengeForm.action?appName\u003daccount","howto_redeem_non_member_link_2":"https://secure.aarp.org/applications/membershipChallenge/showChallengeForm.action?appName\u003daccount","howto_redeem_anonymous":"Join to Learn More","howto_redeem_anonymous_2":"Join to Learn More","howto_redeem_anonymous_link":"https://appsec.aarp.org/mem/join?campaignid\u003dUASMBP1\u0026intcmp\u003dEWHERE-MBCHAE-LP-MMA-JOIN","howto_redeem_anonymous_link_2":"https://appsec.aarp.org/mem/join?campaignid\u003dUASMBP1\u0026intcmp\u003dEWHERE-MBCHAE-LP-MMA-JOIN","howto_redeem_already_registered_anon_label":"Already a member?","howto_redeem_already_registered_anon":"Login now.","howto_redeem_already_registered_nonmember_label":"Already a member?","howto_redeem_already_registered_nonmember":"Link your membership","howto_redeem_already_registered_nonmember_link":"https://secure.aarp.org/applications/membershipChallenge/showChallengeForm.action?appName\u003daccount","howto_redeem_already_registered_anon_link":"https://login.aarp.org/online-community/loginform.action","howto_redeem":"Learn More","howto_redeem_2":"Learn More","howto_redeem_url":"https://about.freshly.com/lp-b2b/aarp?utm_source\u003db4c\u0026utm_medium\u003ddisc\u0026utm_campaign\u003daarp_____MDQ68H8T6H\u0026utm_content\u003daarp__nsb4c-aarp20percent__\u0026utm_term\u003d__\u0026plan_id\u003d\u0026promo_code\u003dnsb4c-aarp20percent","howto_redeem_url_2":"","show_redeem_cta_2":false,"howto_redeem_desc":"Visit the Freshly website to subscribe to a plan.","is_redeemable_in_person":"","howto_redeem_in_person":"","howto_redeem_cta_phone":"","howto_redeem_phone_instructions":"","howto_redeem_online_instructions":"","show_state_availability":"","state_availability_text":"SEE AVAILABILITY IN YOUR STATE","cardlinked_flag":"","ty_interstitialText":"Thanks for visiting aarp.org! Come back again to check out all of the AARP Member Benefits and unlock the full power of membership.","ty_ctaText":"Continue","ty_socialMissionFlag":"","hideRestrictionsTab":"","hideLeavingAARP":"","hide_lto":"","lto_model_heading":"Limited Time Member Offers","lto_model_heading_spanish":"Ofertas para socios por tiempo limitado","lto_advertisement":"Member Exclusive Advertisement","lto_advertisement_spanish":"Anuncios publicitarios exclusivos para socios","lto_daysleft":"Days Left","lto_daysleft_spanish":"Días restantes","geoloc_experience_type":"full_location","geoloc_tab_label":"Locations","geoloc_tab_label_spanish":"Ubicaciones","geoloc_hide_tab":"true","geoloc_find_location_label":"Find a Location","geoloc_find_location_label_spanish":"Encuentre una ubicación","geoloc_tab_hint_text":"Enter an address, city, or ZIP","geoloc_tab_hint_text_spanish":"Ingresa tu dirección, ciudad o código postal","geoloc_search_icon":"","geoloc_total_results_label":"Result(s)","geoloc_total_results_label_spanish":"Resultado(s)","geoloc_see_more_button_text":"See More","geoloc_see_more_button_text_spanish":"Ver más","geoloc_see_more_label_text":"See More","geoloc_see_more_label_text_spanish":"Ver más","geoloc_see_more_limit_option":"","geoloc_provider_link_cta":"Learn more about this benefit by visiting the provider website","geoloc_provider_link_cta_spanish":"Obtenga más información sobre este beneficio visitando el sitio web del proveedor","geoloc_provider_link_cta_url":"","geoloc_provider_legal_info":"You will leave AARP.org and go to the website of a trusted provider. The provider’s terms, conditions, and policies apply.","geoloc_provider_legal_info_spanish":"Dejarás el sitio de AARP y accederás al de un proveedor confiable. Aplican los términos, las condiciones y políticas del proveedor. Este sitio web podría no estar disponible en español.","geoloc_no_results_view_message":"There are no locations within a 100 mile radius. Please try another location","geoloc_no_results_view_message_spanish":"No hay ubicaciones dentro de un radio de 100 millas. Intenta con otra ubicación","geoloc_mobile_list_cta":"LIST VIEW","geoloc_mobile_list_cta_spanish":"VISTA DE LA LISTA","geoloc_mobile_list_cta_url":"","geoloc_mobile_map_cta":"MAP VIEW","geoloc_mobile_map_cta_spanish":"VISTA DEL MAPA","geoloc_mobile_map_cta_url":"","geoloc_mobile_button_cta":"VIEW MORE","geoloc_mobile_button_cta_spanish":"VER MÁS","geoloc_mobile_button_cta_url":"","geoloc_show_results_within_label_text":"Show results within","geoloc_show_results_within_label_text_spanish":"Mostrar resultados dentro","geoloc_miles_label_text":"Miles","geoloc_miles_label_text_spanish":"Millas","geoloc_hide_see_more_button":"false","geoloc_hide_see_more_button_spanish":"false","rewardId":"","hide_r4g_badge":"","redemption_content":"","authentication_code_provider":"","authentication_code_provider_2":"","pixel_view_offer_value":"","pixel_learn_more_value":"","is_redeemable_only_in_person":false,"offer_keywords":["aarp benefits \t \t\t\t\t","aarp discounts","meal delivery"," food delivery "," healthy meals"],"offer_keywords_spanish":["Beneficios de AARP","Descuentos de AARP","Entrega de comidas","Entrega de alimentos ","Comidas saludables"],"deeplink_url":"/benefits-discounts/?offer\u003dfreshly","deeplink_param_value":"freshly","offer_page_path":"/benefits-discounts/all/freshly/","offer_page_data":"/content/aarpe/en/home/benefits-discounts/all/freshly/_jcr_content/.dataview.json","offer_page_modal":"/benefits-discounts/all/freshly.modalview/","evol_offer_page_path":"/membership/benefits/shopping/freshly/","evol_offer_page_modal":"/membership/benefits/shopping/freshly.modalview/","dbr_offer_id":"c4b234129fd075f13e372ffca66dd0cc","image_alt_text":"assorted meals on white table cloth","vertical_image_alt_text":"assorted meals on white table cloth","provider_logo_alt_text":"Freshly logo","provider_image_alt_text":"","offer_date_status":"n/a","image_url_width":"1140","image_url_height":"641","image_cdn_uri":"https://cdn.aarp.net/content/dam/aarp/benefits_discounts/providers/freshly/1140x641-freshly-assorted-meal-options-april-2022.imgcache.rev96e0fbc120046b126f976350c907d5af.jpg","vertical_image_cdn_uri":"https://cdn.aarp.net/content/dam/aarp/benefits_discounts/providers/freshly/258x334--freshly-assorted-meal-options-april-2022.imgcache.rev04229bc3a6633b84a8652fa299fd11bb.jpg","vertical_image_url_width":"258","vertical_image_url_height":"334","provider_image_cdn_uri":"","provider_logo_cdn_uri":"https://cdn.aarp.net/content/dam/aarp/benefits_discounts/providers/freshly/450x450-freshly-logo-april-2022.imgcache.rev711c6daaf311966073eb0bb8bda09553.jpg","provider_image_width":"","provider_image_height":"","provider_logo_width":"450","provider_logo_height":"451","authentication_code_provider_url":"","authentication_code_provider_2_url":"","tags":[{"tagID":"dbr:shoppingandgroceries","title":"Shopping \u0026 Groceries","svgPathCdn":"https://cdn.aarp.net/content/dam/aarp/benefits_discounts/icons/icon-shopping_2 e681.imgcache.rev7ca4d43f2010b4279414ebc6e9fc9dea.svg","name":"shoppingandgroceries","deeplink_url":"/benefits-discounts/?category\u003dshoppingandgroceries","deeplink_param_value":"shoppingandgroceries","get_offers_url":"/etc/aarp/dbr/ws.api/offers/shoppingandgroceries.json","sub_tags":[{"tagID":"dbr:shoppingandgroceries/groceries","title":"Groceries","name":"groceries","deeplink_url":"/benefits-discounts/?category\u003dshoppingandgroceries-groceries","deeplink_param_value":"shoppingandgroceries-groceries","get_offers_url":"/etc/aarp/dbr/ws.api/offers/shoppingandgroceries-groceries.json"}]}],"ltos":[],"lto_daysleft_start_control":30,"master_brand":"freshly","analytics_brand":"Freshly","analytics_offerid":"freshly","category_list":"shoppingandgroceries","subcategory_list":"shoppingandgroceries-groceries","dbr_offer_type":"discount","offer_timing":"anytime","parent_offer_page_path":"","append_aid_paramter":"","enable_utm_parameters":"false","taxonomy_general_category":"healthy-living","taxonomy_level_1":"meal-planning"},"parentOfferJson":{}}]}
Per deposit category. The FDIC insure  14 different types  of deposits. The four most common categories are single accounts, joint accounts, trust accounts and certain self-directed retirement accounts, each insured up to $250,000 for each owner at the same bank. If you have a checking account with $250,000 and an individual retirement account worth $250,000 at the same bank, you’re insured for $500,000.
Per bank. You could have $250,000 at 10 FDIC-insured banks and be covered for $2.5 million. Bear in mind that credit unions are not covered by FDIC insurance; instead, the National Credit Union Administration (NCUA) backs credit union share accounts for $250,000 under similar rules. There are still a few savings and loan institutions, which are covered by FDIC insurance. The FDIC has a  handy tool  to tell you if they insure your bank, as well as one that tells you  how much FDIC coverage  you have.
How it works
The FDIC has two ways to take over a troubled bank: It can merge the bad bank into a healthy bank or liquidate the bank entirely. The merger — actually a purchase and assumption — is the preferred method. Your accounts simply get shifted into the new bank. All direct deposits, including Social Security payments, will automatically be redirected to the deposit accounts at the acquiring bank.
LEARN MORE ABOUT AARP MEMBERSHIP.
Get instant access to members-only products and hundreds of discounts, a free second membership, and a subscription to AARP the Magazine.
Become a Member
ARTICLE CONTINUES AFTER ADVERTISEMENT
Sometimes, however, the failed bank is in such serious trouble that the FDIC must liquidate it. In this case, the FDIC will pay you directly by check up to the insured balance in each account. Such payments usually begin within a few days after the bank closing.
If you have more money in the bank than FDIC insurance covers, you’ll have to get in line with the bank’s other creditors to get the rest of your money. You may wind up losing all of your uninsured deposits.
Unlike with a purchase and assumption, however, any uncleared checks you’ve written will be returned, and any automatic deposits or payments may also need to be rerouted to a new bank. And, of course, you’ll need a new account to reroute those checks and deposits to.
Can the FDIC go bust? The FDIC is backed by payments made by member banks. The FDIC’s Deposit Insurance Fund (DIF) totaled $121.9 billion as of Sept. 30, 2021, which is a bit more than 1 percent of the assets it insures. When the banking system is stressed and bank failures spike, the FDIC can — and has — authorized special extra levies on banks to shore up the DIF. So far, no insured depositor has lost a dime since the FDIC’s creation.
John Waggoner covers all things financial for AARP, from budgeting and taxes to retirement planning and Social Security. Previously he was a reporter for Kiplinger's Personal Finance and  USA Today.
MORE FROM AARP
{ "articlePagePath" :"/content/aarpe/en/home/money/investing/info-2022/how-fdic-bank-deposit-insurance-works", "aarpId" : "2f260f6a2282a524e8b120376148f609" "customContainerId" : "" "limit" : "5" "paginationLimit" : "5" "replyLimit" : "2" "paginationReplyLimit" : "5" "sort" : "" "featuredTabActiveThreshold" : "5" }
AARP VALUE &
learn more
See more Banking & Investments offers >
{"hideCategory":false,"useAlternateLanguage":false,"headlineIconAltText":"","listItems":[{"categoryTitle":"Banking \u0026 Investments","categoryUrl":"/benefits-discounts/?category\u003dfinances-banking-investments","categoryDeeplinkParam":"finances-banking-investments","isLimitedTimeOffer":false,"offerJson":{"offer_id":"","offer_title":"$100 Cash Back Bonus, Plus No Annual Fee","offer_short_title":"","offer_short_description":"3% cash back on gas station and eligible drug store purchases","featured_offer":"","last_updated_by":"","offer_description":"\u003cp\u003eUpon approval, cardmembers can earn a $100 cash back bonus if they spend $500 on purchases in the first 90 days. Cardmembers also earn 3% cash back on gas station and drug store purchases (excluding Target® and Walmart®), 2% cash back on eligible medical expenses and 1% cash back on all other purchases. \u003c/p\u003e","redemption_type":"","created_by":"","country_code":"","tab_label_offer_details":"Details","tab_label_restrictions":"Disclosures","restrictions_label":"Disclosures","restrictions":"\u003cp\u003eAARP member benefits are provided by third parties, not by AARP or its affiliates. Barclays Bank Delaware (Barclays) pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. Some Barclays offers are subject to change and may have restrictions. Please contact Barclays directly for details.\u003c/p\u003e","offer_status":"","national_offer_flag":"","language_code":"","offer_type":"EverGreen","asi_category":"ASI Financial Services \u0026 Insurance","line_of_business":"ASI financial","merchant_name":"","marketing_details":"","member_exclusive_flag":"no","parent_brand":"Barclays","source_name":"AARP® Essential Rewards Mastercard® from Barclays","alternate_source_name":"","business_id":"","offer_video_thumbnail":"","image_url":"/content/dam/aarp/benefits_discounts/providers/barclays/1140x641-barclays-essential-card-on-laptop-feb-2022.jpg","vertical_image_url":"/content/dam/aarp/benefits_discounts/providers/barclays/258x334-barclays-essential-card-on-laptop-feb-2022.jpg","provider_image":"","provider_logo":"/content/dam/aarp/benefits_discounts/providers/barclays/450x450-credit-cards-from-barclays-logo.jpg","offer_video_path":"","offer_copy_video_path":"","interstitial_title":"","interstitial_desc":"You\u0027ll leave AARP.org and go to the website of a trusted provider. The provider\u0027s terms, conditions, and policies apply.","created_user_role":"","is_no_end_date":"","advertisement_flag":"","advertisement_sort_order":"","disclaimer_label":"","disclaimer":"","merchant_logo":"","show_phone_number_above_cta":false,"merchant_phone_label":"or, call Barclays at","merchant_phone":"1-866-419-0836","howto_redeem_label":"How to Access","howto_redeem_expired":"Renew to Learn More","howto_redeem_expired_2":"Renew to Learn More","howto_redeem_expired_link":"https://appsec.aarp.org/mem/renew","howto_redeem_expired_link_2":"https://appsec.aarp.org/mem/renew","howto_redeem_non_member":"Join to Learn More","howto_redeem_non_member_2":"Join to Learn More","howto_redeem_non_member_link":"https://secure.aarp.org/applications/membershipChallenge/showChallengeForm.action?appName\u003daccount","howto_redeem_non_member_link_2":"https://secure.aarp.org/applications/membershipChallenge/showChallengeForm.action?appName\u003daccount","howto_redeem_anonymous":"Join to Learn More","howto_redeem_anonymous_2":"Join to Learn More","howto_redeem_anonymous_link":"https://appsec.aarp.org/mem/join?campaignid\u003dUASMBP1\u0026intcmp\u003dEWHERE-MBCHAE-LP-MMA-JOIN","howto_redeem_anonymous_link_2":"https://appsec.aarp.org/mem/join?campaignid\u003dUASMBP1\u0026intcmp\u003dEWHERE-MBCHAE-LP-MMA-JOIN","howto_redeem_already_registered_anon_label":"Already a member?","howto_redeem_already_registered_anon":"Login now.","howto_redeem_already_registered_nonmember_label":"Already a member?","howto_redeem_already_registered_nonmember":"Link your membership","howto_redeem_already_registered_nonmember_link":"https://secure.aarp.org/applications/membershipChallenge/showChallengeForm.action?appName\u003daccount","howto_redeem_already_registered_anon_link":"https://login.aarp.org/online-community/loginform.action","howto_redeem":"Learn More","howto_redeem_2":"Learn More","howto_redeem_url":"https://cards.barclaycardus.com/banking/credit-card/aarp/mastercard-world/banner/52e2cd5e-711e-4a61-add6-14e6af6e1b37/?referrerid\u003dPRTUPMBM100ARE","howto_redeem_url_2":"","show_redeem_cta_2":false,"howto_redeem_desc":"Enter or mention your AARP membership number at the Barclays website or by phone when completing an application.","is_redeemable_in_person":"","howto_redeem_in_person":"","howto_redeem_cta_phone":"","howto_redeem_phone_instructions":"","howto_redeem_online_instructions":"","show_state_availability":"","state_availability_text":"SEE AVAILABILITY IN YOUR STATE","cardlinked_flag":"","ty_interstitialText":"Thanks for visiting aarp.org! Come back again to check out all of the AARP Member Benefits and unlock the full power of membership.","ty_ctaText":"Continue","ty_socialMissionFlag":"","hideRestrictionsTab":"","hideLeavingAARP":"","hide_lto":"","lto_model_heading":"Limited Time Member Offers","lto_model_heading_spanish":"Ofertas para socios por tiempo limitado","lto_advertisement":"Member Exclusive Advertisement","lto_advertisement_spanish":"Anuncios publicitarios exclusivos para socios","lto_daysleft":"Days Left","lto_daysleft_spanish":"Días restantes","geoloc_experience_type":"full_location","geoloc_tab_label":"Locations","geoloc_tab_label_spanish":"Ubicaciones","geoloc_hide_tab":"true","geoloc_find_location_label":"Find a Location","geoloc_find_location_label_spanish":"Encuentre una ubicación","geoloc_tab_hint_text":"Enter an address, city, or ZIP","geoloc_tab_hint_text_spanish":"Ingresa tu dirección, ciudad o código postal","geoloc_search_icon":"","geoloc_total_results_label":"Result(s)","geoloc_total_results_label_spanish":"Resultado(s)","geoloc_see_more_button_text":"See More","geoloc_see_more_button_text_spanish":"Ver más","geoloc_see_more_label_text":"See More","geoloc_see_more_label_text_spanish":"Ver más","geoloc_see_more_limit_option":"","geoloc_provider_link_cta":"Learn more about this benefit by visiting the provider website","geoloc_provider_link_cta_spanish":"Obtenga más información sobre este beneficio visitando el sitio web del proveedor","geoloc_provider_link_cta_url":"","geoloc_provider_legal_info":"You will leave AARP.org and go to the website of a trusted provider. The provider’s terms, conditions, and policies apply.","geoloc_provider_legal_info_spanish":"Dejarás el sitio de AARP y accederás al de un proveedor confiable. Aplican los términos, las condiciones y políticas del proveedor. Este sitio web podría no estar disponible en español.","geoloc_no_results_view_message":"There are no locations within a 100 mile radius. Please try another location","geoloc_no_results_view_message_spanish":"No hay ubicaciones dentro de un radio de 100 millas. Intenta con otra ubicación","geoloc_mobile_list_cta":"LIST VIEW","geoloc_mobile_list_cta_spanish":"VISTA DE LA LISTA","geoloc_mobile_list_cta_url":"","geoloc_mobile_map_cta":"MAP VIEW","geoloc_mobile_map_cta_spanish":"VISTA DEL MAPA","geoloc_mobile_map_cta_url":"","geoloc_mobile_button_cta":"VIEW MORE","geoloc_mobile_button_cta_spanish":"VER MÁS","geoloc_mobile_button_cta_url":"","geoloc_show_results_within_label_text":"Show results within","geoloc_show_results_within_label_text_spanish":"Mostrar resultados dentro","geoloc_miles_label_text":"Miles","geoloc_miles_label_text_spanish":"Millas","geoloc_hide_see_more_button":"false","geoloc_hide_see_more_button_spanish":"false","rewardId":"","hide_r4g_badge":"","redemption_content":"","authentication_code_provider":"","authentication_code_provider_2":"","pixel_view_offer_value":"","pixel_learn_more_value":"","is_redeemable_only_in_person":false,"offer_keywords":["rewards mastercard offer","barclays credit card offer","aarp benefits","aarp discounts"],"offer_keywords_spanish":["rewards mastercard offer","barclays credit card offer","aarp benefits","aarp discounts"],"deeplink_url":"/benefits-discounts/?offer\u003daarp-essential-rewards-mastercard-from-barclays","deeplink_param_value":"aarp-essential-rewards-mastercard-from-barclays","offer_page_path":"/benefits-discounts/all/aarp-essential-rewards-mastercard-from-barclays/","offer_page_data":"/content/aarpe/en/home/benefits-discounts/all/aarp-essential-rewards-mastercard-from-barclays/_jcr_content/.dataview.json","offer_page_modal":"/benefits-discounts/all/aarp-essential-rewards-mastercard-from-barclays.modalview/","evol_offer_page_path":"/membership/benefits/finance/aarp-essential-rewards-mastercard-from-barclays/","evol_offer_page_modal":"/membership/benefits/finance/aarp-essential-rewards-mastercard-from-barclays.modalview/","dbr_offer_id":"a9bf8a67d4e7a5a3f76755cf20036090","image_alt_text":"Credit card on laptop","vertical_image_alt_text":"Red Credit Card on Laptop","provider_logo_alt_text":"Credit Cards from Barclays Logo","provider_image_alt_text":"","offer_date_status":"n/a","image_url_width":"1140","image_url_height":"641","image_cdn_uri":"https://cdn.aarp.net/content/dam/aarp/benefits_discounts/providers/barclays/1140x641-barclays-essential-card-on-laptop-feb-2022.imgcache.rev8d600cb3594e62f213be3b2feb470312.jpg","vertical_image_cdn_uri":"https://cdn.aarp.net/content/dam/aarp/benefits_discounts/providers/barclays/258x334-barclays-essential-card-on-laptop-feb-2022.imgcache.rev6f7b8b9569ab5ae6af63f85a1ffb8fc7.jpg","vertical_image_url_width":"258","vertical_image_url_height":"334","provider_image_cdn_uri":"","provider_logo_cdn_uri":"https://cdn.aarp.net/content/dam/aarp/benefits_discounts/providers/barclays/450x450-credit-cards-from-barclays-logo.imgcache.revc8ea034464300654fed1fc5b4ef34c81.jpg","provider_image_width":"","provider_image_height":"","provider_logo_width":"450","provider_logo_height":"450","authentication_code_provider_url":"","authentication_code_provider_2_url":"","tags":[{"tagID":"dbr:finances","title":"Finances","svgPathCdn":"https://cdn.aarp.net/content/dam/aarp/benefits_discounts/icons/icon-retirement e654.imgcache.revb2af031567fe1504be85021aef1ce698.svg","name":"finances","deeplink_url":"/benefits-discounts/?category\u003dfinances","deeplink_param_value":"finances","get_offers_url":"/etc/aarp/dbr/ws.api/offers/finances.json","sub_tags":[{"tagID":"dbr:finances/banking-investments","title":"Banking \u0026 Investments","name":"banking-investments","deeplink_url":"/benefits-discounts/?category\u003dfinances-banking-investments","deeplink_param_value":"finances-banking-investments","get_offers_url":"/etc/aarp/dbr/ws.api/offers/finances-banking-investments.json"}]}],"ltos":[],"lto_daysleft_start_control":30,"master_brand":"aarp-essential-rewards-mastercard-from-barclays","analytics_brand":"Barclays | AARP® Essential Rewards Mastercard® from Barclays","analytics_offerid":"aarp-essential-rewards-mastercard-from-barclays","category_list":"finances","subcategory_list":"finances-banking-investments","dbr_offer_type":"discount","offer_timing":"anytime","parent_offer_page_path":"","append_aid_paramter":"","enable_utm_parameters":"false","taxonomy_general_category":"money","taxonomy_level_1":"personal-finances"},"parentOfferJson":{}}]}
learn more
See more Vision Benefits offers >
{"hideCategory":false,"useAlternateLanguage":false,"headlineIconAltText":"","listItems":[{"categoryTitle":"Vision Benefits","categoryUrl":"/benefits-discounts/?category\u003dhealthandwellness-vision","categoryDeeplinkParam":"healthandwellness-vision","isLimitedTimeOffer":false,"offerJson":{"offer_id":"10055","offer_title":"Extra $10 Off a Complete Pair of Eyeglasses","offer_short_title":"","offer_short_description":"Members save on eye exams and eyewear","modified_on":1545943500,"created_on":1476102360,"featured_offer":"2","last_updated_by":"asi_admin1","offer_description":"\u003cp\u003eMembers get exclusive savings, including a $55 eye exam and an extra $10 off the purchase of a complete pair of eyeglasses or sunglasses at Target Optical, a participating retailer in AARP® Vision Discounts provided by EyeMed.\u003c/p\u003e","redemption_type":"yes","starts_on":1545886800,"created_by":"asi_admin1","country_code":"US","tab_label_offer_details":"Details","tab_label_restrictions":"Disclosures","restrictions_label":"Disclosures","restrictions":"\u003cp\u003eAARP commercial member benefits are provided by third parties, not by AARP or its affiliates. Providers pay a royalty fee to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. Some provider offers are subject to change and may have restrictions.\u003c/p\u003e","offer_status":"Active","national_offer_flag":"yes","language_code":"EN","offer_type":"EverGreen","asi_category":"ASI Healthcare \u0026 Insurance","line_of_business":"ASI healthcare","merchant_name":"","marketing_details":"","member_exclusive_flag":"no","parent_brand":"EyeMed Vision Discounts","source_name":"Target Optical","alternate_source_name":"","business_id":"30142","offer_video_thumbnail":"","image_url":"/content/dam/aarp/benefits_discounts/providers/eyemed/1140x640-eyemed-target-optical-man-backpack-jacket-outdoors-glasses-nov-2020.jpg","vertical_image_url":"/content/dam/aarp/benefits_discounts/providers/eyemed/258x334-eyemed-target-optical-man-backpack-jacket-outdoors-glasses-nov-2020.jpg","provider_image":"/content/dam/aarp/benefits_discounts/providers/target-optical/TargetOpticalBRANDimage.jpg","provider_logo":"/content/dam/aarp/benefits_discounts/providers/target-optical/targetoptical.png","offer_video_path":"","offer_copy_video_path":"","interstitial_title":"","interstitial_desc":"You\u0027ll leave AARP.org and go to the website of a trusted provider. The provider\u0027s terms, conditions, and policies apply.","created_user_role":"","is_no_end_date":"","advertisement_flag":"","advertisement_sort_order":"","disclaimer_label":"","disclaimer":"","merchant_logo":"","show_phone_number_above_cta":false,"merchant_phone_label":"","merchant_phone":"","howto_redeem_label":"How to Access","howto_redeem_expired":"Renew to Learn More","howto_redeem_expired_2":"Renew to Learn More","howto_redeem_expired_link":"https://appsec.aarp.org/mem/renew","howto_redeem_expired_link_2":"https://appsec.aarp.org/mem/renew","howto_redeem_non_member":"Join to Learn More","howto_redeem_non_member_2":"Join to Learn More","howto_redeem_non_member_link":"https://secure.aarp.org/applications/membershipChallenge/showChallengeForm.action?appName\u003daccount","howto_redeem_non_member_link_2":"https://secure.aarp.org/applications/membershipChallenge/showChallengeForm.action?appName\u003daccount","howto_redeem_anonymous":"Join to Learn More","howto_redeem_anonymous_2":"Join to Learn More","howto_redeem_anonymous_link":"https://appsec.aarp.org/mem/join?campaignid\u003dUASMBP1\u0026intcmp\u003dEWHERE-MBCHAE-LP-MMA-JOIN","howto_redeem_anonymous_link_2":"https://appsec.aarp.org/mem/join?campaignid\u003dUASMBP1\u0026intcmp\u003dEWHERE-MBCHAE-LP-MMA-JOIN","howto_redeem_already_registered_anon_label":"Already a member?","howto_redeem_already_registered_anon":"Login now.","howto_redeem_already_registered_nonmember_label":"Already a member?","howto_redeem_already_registered_nonmember":"Link your membership","howto_redeem_already_registered_nonmember_link":"https://secure.aarp.org/applications/membershipChallenge/showChallengeForm.action?appName\u003daccount","howto_redeem_already_registered_anon_link":"https://login.aarp.org/online-community/loginform.action","howto_redeem":"Learn More","howto_redeem_2":"Learn More","howto_redeem_url":"https://www.targetoptical.com/to-us/aarp","howto_redeem_url_2":"","show_redeem_cta_2":false,"howto_redeem_desc":"First call a participating Target Optical location for operating hours and to schedule a safe visit. Present your AARP membership card at checkout.","is_redeemable_in_person":"true","howto_redeem_in_person":"","howto_redeem_cta_phone":"","howto_redeem_phone_instructions":"","howto_redeem_online_instructions":"","show_state_availability":"","state_availability_text":"SEE AVAILABILITY IN YOUR STATE","cardlinked_flag":"","ty_interstitialText":"Thanks for visiting aarp.org! Come back again to check out all of the AARP Member Benefits and unlock the full power of membership.","ty_ctaText":"Continue","ty_socialMissionFlag":"","hideRestrictionsTab":"","hideLeavingAARP":"","hide_lto":"","lto_model_heading":"Limited Time Member Offers","lto_model_heading_spanish":"Ofertas para socios por tiempo limitado","lto_advertisement":"Member Exclusive Advertisement","lto_advertisement_spanish":"Anuncios publicitarios exclusivos para socios","lto_daysleft":"Days Left","lto_daysleft_spanish":"Días restantes","geoloc_experience_type":"full_location","geoloc_tab_label":"Locations","geoloc_tab_label_spanish":"Ubicaciones","geoloc_hide_tab":"","geoloc_find_location_label":"Find a Location","geoloc_find_location_label_spanish":"Encuentre una ubicación","geoloc_tab_hint_text":"Enter an address, city, or ZIP","geoloc_tab_hint_text_spanish":"Ingresa tu dirección, ciudad o código postal","geoloc_search_icon":"","geoloc_total_results_label":"Result(s)","geoloc_total_results_label_spanish":"Resultado(s)","geoloc_see_more_button_text":"See More","geoloc_see_more_button_text_spanish":"Ver más","geoloc_see_more_label_text":"See More","geoloc_see_more_label_text_spanish":"Ver más","geoloc_see_more_limit_option":"","geoloc_provider_link_cta":"Learn more about this benefit by visiting the provider website","geoloc_provider_link_cta_spanish":"Obtenga más información sobre este beneficio visitando el sitio web del proveedor","geoloc_provider_link_cta_url":"","geoloc_provider_legal_info":"You will leave AARP.org and go to the website of a trusted provider. The provider’s terms, conditions, and policies apply.","geoloc_provider_legal_info_spanish":"Dejarás el sitio de AARP y accederás al de un proveedor confiable. Aplican los términos, las condiciones y políticas del proveedor. Este sitio web podría no estar disponible en español.","geoloc_no_results_view_message":"There are no locations within a 100 mile radius. Please try another location","geoloc_no_results_view_message_spanish":"No hay ubicaciones dentro de un radio de 100 millas. Intenta con otra ubicación","geoloc_mobile_list_cta":"LIST VIEW","geoloc_mobile_list_cta_spanish":"VISTA DE LA LISTA","geoloc_mobile_list_cta_url":"","geoloc_mobile_map_cta":"MAP VIEW","geoloc_mobile_map_cta_spanish":"VISTA DEL MAPA","geoloc_mobile_map_cta_url":"","geoloc_mobile_button_cta":"VIEW MORE","geoloc_mobile_button_cta_spanish":"VER MÁS","geoloc_mobile_button_cta_url":"","geoloc_show_results_within_label_text":"Show results within","geoloc_show_results_within_label_text_spanish":"Mostrar resultados dentro","geoloc_miles_label_text":"Miles","geoloc_miles_label_text_spanish":"Millas","geoloc_hide_see_more_button":"false","geoloc_hide_see_more_button_spanish":"false","rewardId":"","hide_r4g_badge":"","redemption_content":"","authentication_code_provider":"","authentication_code_provider_2":"","pixel_view_offer_value":"","pixel_learn_more_value":"","is_redeemable_only_in_person":false,"offer_keywords":["Benefits","target","EyeMed","optical","frames","lenses","target optical savings","target optical ","target optical discounts","target optical deals","target optical benefit","health and wellness","wellness","health","vision","glasses","sight","prescription contacts","contacts","prescription glasses","eye med","eyemed","target discounts","target","Health \u0026 Wellness","health discounts","health discount","eyewear discounts","eyewear discount","target discount","target","target coupon","glasses coupon","contacts","contact coupon","loss of sight","eye sight","eyesight","glasses discount","glasses savings","glasses discounts","savings on glasses","savings on eye exams","eye exams","eye exam savings","eye exam discounts","eye exam discount","target optical","optical","contact lenses","lenses","glasses frames","frames","savings on frames","transition lenses","vision plan discount","vision plan","vision insurance","eye insurance","aarp vision insurance","vision plans"],"offer_keywords_spanish":["target","optical","armaduras","lentes","eyemed","beneficios","target optical","ahorros en target optical","descuentos de target optical","ofertas de target optical","beneficio de target optical","salud","bienestar","salud y bienestar","visión","anteojos","vista","lentes de contacto","lentes de contacto recetados","anteojos recetados","eye med","eyemed","target","descuentos de target","Health \u0026 Wellness","descuento para la salud","descuentos para la salud","descuento de gafas","descuentos de gafas","target","descuento de target","cupón de target","cupón para anteojos","lentes de contacto","cupón para lentes de contacto","pérdida de la vista","visión","vista","descuento de anteojos","ahorros en anteojos","ahorros en pruebas oftalmológicas","pruebas oftalmológicas","ahorros en pruebas de la vista","descuentos de pruebas oftalmológicas","descuento de prueba oftalmológica","óptico","target optical","lentes de contacto","lentes","monturas","monturas de anteojos","ahorros en monturas","lentes transition","plan oftalmológico","descuento de plan oftalmológico","seguro oftalmológico","seguro de ojos","seguro oftalmológico de aarp","planes oftalmológicos"],"deeplink_url":"/benefits-discounts/?offer\u003dtarget-optical-10055","deeplink_param_value":"target-optical-10055","offer_page_path":"/benefits-discounts/all/target-optical-10055/","offer_page_data":"/content/aarpe/en/home/benefits-discounts/all/target-optical-10055/_jcr_content/.dataview.json","offer_page_modal":"/benefits-discounts/all/target-optical-10055.modalview/","evol_offer_page_path":"/membership/benefits/vision/target-optical/","evol_offer_page_modal":"/membership/benefits/vision/target-optical/","dbr_offer_id":"d5f92c4ae3581047773fa77dcda10b8c","image_alt_text":"mature man outdoors sunglasses","vertical_image_alt_text":"mature man outdoors sunglasses","provider_logo_alt_text":"Target Optical Logo","provider_image_alt_text":"Couple hugging and smiling in front of RV","offer_date_status":"n/a","image_url_width":"1140","image_url_height":"640","image_cdn_uri":"https://cdn.aarp.net/content/dam/aarp/benefits_discounts/providers/eyemed/1140x640-eyemed-target-optical-man-backpack-jacket-outdoors-glasses-nov-2020.imgcache.revfd8a96bd17afa282d6d22786e0a23804.jpg","vertical_image_cdn_uri":"https://cdn.aarp.net/content/dam/aarp/benefits_discounts/providers/eyemed/258x334-eyemed-target-optical-man-backpack-jacket-outdoors-glasses-nov-2020.imgcache.rev9c01e6debc101e609b8274bc01541146.jpg","vertical_image_url_width":"258","vertical_image_url_height":"334","provider_image_cdn_uri":"https://cdn.aarp.net/content/dam/aarp/benefits_discounts/providers/target-optical/TargetOpticalBRANDimage.imgcache.revd7a78cb6a3cf0c6f875311080d41adc0.jpg","provider_logo_cdn_uri":"https://cdn.aarp.net/content/dam/aarp/benefits_discounts/providers/target-optical/targetoptical.imgcache.rev3130de3f7f2e342f1bdce6468d8d1c89.png","provider_image_width":"755","provider_image_height":"192","provider_logo_width":"634","provider_logo_height":"634","authentication_code_provider_url":"","authentication_code_provider_2_url":"","tags":[{"tagID":"dbr:healthandwellness","title":"Health \u0026 Wellness","svgPathCdn":"https://cdn.aarp.net/content/dam/aarp/benefits_discounts/icons/HealthWellness-protection e661.imgcache.rev5df459ddbe96856228fcb7f2b8a0d195.svg","name":"healthandwellness","deeplink_url":"/benefits-discounts/?category\u003dhealthandwellness","deeplink_param_value":"healthandwellness","get_offers_url":"/etc/aarp/dbr/ws.api/offers/healthandwellness.json","sub_tags":[{"tagID":"dbr:healthandwellness/vision","title":"Vision Benefits","description":"","name":"vision","deeplink_url":"/benefits-discounts/?category\u003dhealthandwellness-vision","deeplink_param_value":"healthandwellness-vision","get_offers_url":"/etc/aarp/dbr/ws.api/offers/healthandwellness-vision.json"}]}],"ltos":[],"lto_daysleft_start_control":30,"master_brand":"target-optical-10055","analytics_brand":"EyeMed Vision Discounts | Target Optical","analytics_offerid":"target-optical-10055","category_list":"healthandwellness","subcategory_list":"healthandwellness-vision","dbr_offer_type":"discount","offer_timing":"anytime","parent_offer_page_path":"","append_aid_paramter":"","enable_utm_parameters":"false","taxonomy_general_category":"healthcare","taxonomy_level_1":"eye-and-vision"},"parentOfferJson":{}}]}
learn more
See more Retirement offers >
{"hideCategory":false,"useAlternateLanguage":false,"headlineIconAltText":"","listItems":[{"categoryTitle":"Retirement","categoryUrl":"/benefits-discounts/?category\u003dfinances-retirement","categoryDeeplinkParam":"finances-retirement","isLimitedTimeOffer":false,"offerJson":{"offer_id":"","offer_title":"Plan for Retirement","offer_short_title":"","offer_short_description":"Find out how much you will need in retirement","featured_offer":"","last_updated_by":"","offer_description":"\u003cp\u003eThis tool can help you calculate how much you will need in retirement with a personalized snapshot based on the lifestyle you want.\u003c/p\u003e","redemption_type":"","created_by":"","country_code":"","tab_label_offer_details":"Details","tab_label_restrictions":"Disclosures","restrictions_label":"Disclosures","restrictions":"","offer_status":"","national_offer_flag":"","language_code":"","offer_type":"EverGreen","asi_category":"","line_of_business":"","merchant_name":"","marketing_details":"","member_exclusive_flag":"no","parent_brand":"","source_name":"Retirement Calculator","alternate_source_name":"","business_id":"","offer_video_thumbnail":"","image_url":"/content/dam/aarp/money/retirement_planning/2015-01/1140-hand-retirement-calculator.jpg","vertical_image_url":"/content/dam/aarp/money/retirement_planning/2015-01/258x334-hand-retirement-calculator.jpg","provider_image":"","provider_logo":"","offer_video_path":"","offer_copy_video_path":"","interstitial_title":"","interstitial_desc":"You\u0027ll leave AARP.org and go to the website of a trusted provider. The provider\u0027s terms, conditions, and policies apply.","created_user_role":"","is_no_end_date":"","advertisement_flag":"","advertisement_sort_order":"","disclaimer_label":"","disclaimer":"","merchant_logo":"","show_phone_number_above_cta":false,"merchant_phone_label":"","merchant_phone":"","howto_redeem_label":"How to Access","howto_redeem_expired":"Renew to Learn More","howto_redeem_expired_2":"Renew to Learn More","howto_redeem_expired_link":"https://appsec.aarp.org/mem/renew","howto_redeem_expired_link_2":"https://appsec.aarp.org/mem/renew","howto_redeem_non_member":"Join to Learn More","howto_redeem_non_member_2":"Join to Learn More","howto_redeem_non_member_link":"https://secure.aarp.org/applications/membershipChallenge/showChallengeForm.action?appName\u003daccount","howto_redeem_non_member_link_2":"https://secure.aarp.org/applications/membershipChallenge/showChallengeForm.action?appName\u003daccount","howto_redeem_anonymous":"Join to Learn More","howto_redeem_anonymous_2":"Join to Learn More","howto_redeem_anonymous_link":"https://appsec.aarp.org/mem/join?campaignid\u003dUASMBP1\u0026intcmp\u003dEWHERE-MBCHAE-LP-MMA-JOIN","howto_redeem_anonymous_link_2":"https://appsec.aarp.org/mem/join?campaignid\u003dUASMBP1\u0026intcmp\u003dEWHERE-MBCHAE-LP-MMA-JOIN","howto_redeem_already_registered_anon_label":"Already a member?","howto_redeem_already_registered_anon":"Login now.","howto_redeem_already_registered_nonmember_label":"Already a member?","howto_redeem_already_registered_nonmember":"Link your membership","howto_redeem_already_registered_nonmember_link":"https://secure.aarp.org/applications/membershipChallenge/showChallengeForm.action?appName\u003daccount","howto_redeem_already_registered_anon_link":"https://login.aarp.org/online-community/loginform.action","howto_redeem":"Learn More","howto_redeem_2":"Learn More","howto_redeem_url":"https://www.aarp.org/work/retirement-planning/retirement_calculator.html","howto_redeem_url_2":"","show_redeem_cta_2":false,"howto_redeem_desc":"The calculator is available online.","is_redeemable_in_person":"","howto_redeem_in_person":"","howto_redeem_cta_phone":"","howto_redeem_phone_instructions":"","howto_redeem_online_instructions":"","show_state_availability":"","state_availability_text":"SEE AVAILABILITY IN YOUR STATE","cardlinked_flag":"","ty_interstitialText":"Thanks for visiting aarp.org! Come back again to check out all of the AARP Member Benefits and unlock the full power of membership.","ty_ctaText":"Continue","ty_socialMissionFlag":"false","hideRestrictionsTab":"false","hideLeavingAARP":"false","hide_lto":"","lto_model_heading":"Limited Time Member Offers","lto_model_heading_spanish":"Ofertas para socios por tiempo limitado","lto_advertisement":"Member Exclusive Advertisement","lto_advertisement_spanish":"Anuncios publicitarios exclusivos para socios","lto_daysleft":"Days Left","lto_daysleft_spanish":"Días restantes","geoloc_experience_type":"full_location","geoloc_tab_label":"Locations","geoloc_tab_label_spanish":"Ubicaciones","geoloc_hide_tab":"true","geoloc_find_location_label":"Find a Location","geoloc_find_location_label_spanish":"Encuentre una ubicación","geoloc_tab_hint_text":"Enter an address, city, or ZIP","geoloc_tab_hint_text_spanish":"Ingresa tu dirección, ciudad o código postal","geoloc_search_icon":"","geoloc_total_results_label":"Result(s)","geoloc_total_results_label_spanish":"Resultado(s)","geoloc_see_more_button_text":"See More","geoloc_see_more_button_text_spanish":"Ver más","geoloc_see_more_label_text":"See More","geoloc_see_more_label_text_spanish":"Ver más","geoloc_see_more_limit_option":"","geoloc_provider_link_cta":"Learn more about this benefit by visiting the provider website","geoloc_provider_link_cta_spanish":"Obtenga más información sobre este beneficio visitando el sitio web del proveedor","geoloc_provider_link_cta_url":"","geoloc_provider_legal_info":"You will leave AARP.org and go to the website of a trusted provider. The provider’s terms, conditions, and policies apply.","geoloc_provider_legal_info_spanish":"Dejarás el sitio de AARP y accederás al de un proveedor confiable. Aplican los términos, las condiciones y políticas del proveedor. Este sitio web podría no estar disponible en español.","geoloc_no_results_view_message":"There are no locations within a 100 mile radius. Please try another location","geoloc_no_results_view_message_spanish":"No hay ubicaciones dentro de un radio de 100 millas. Intenta con otra ubicación","geoloc_mobile_list_cta":"LIST VIEW","geoloc_mobile_list_cta_spanish":"VISTA DE LA LISTA","geoloc_mobile_list_cta_url":"","geoloc_mobile_map_cta":"MAP VIEW","geoloc_mobile_map_cta_spanish":"VISTA DEL MAPA","geoloc_mobile_map_cta_url":"","geoloc_mobile_button_cta":"VIEW MORE","geoloc_mobile_button_cta_spanish":"VER MÁS","geoloc_mobile_button_cta_url":"","geoloc_show_results_within_label_text":"Show results within","geoloc_show_results_within_label_text_spanish":"Mostrar resultados dentro","geoloc_miles_label_text":"Miles","geoloc_miles_label_text_spanish":"Millas","geoloc_hide_see_more_button":"false","geoloc_hide_see_more_button_spanish":"false","rewardId":"75476153-b862-4a60-978f-33a010ec571a","hide_r4g_badge":"","redemption_content":"","authentication_code_provider":"","authentication_code_provider_2":"","pixel_view_offer_value":"","pixel_learn_more_value":"","is_redeemable_only_in_person":false,"offer_keywords":["Finance","calculator","retirement","retirement planning","aarp benefits"],"offer_keywords_spanish":["Finanza","finanzas","calculadora","Calculadora para la jubilación","retiro","calculadora para la jubilación","calculadora para el retiro","estoy listo para jubilarme","estoy listo para retirarme","dinero","planificación de la jubilación","planificación del retiro","planifica tu jubilación","planifica tu retiro","retí­rate","recursos de dinero","presupuesto"," jubilación"],"deeplink_url":"/benefits-discounts/?offer\u003dretirement-calc","deeplink_param_value":"retirement-calc","offer_page_path":"/benefits-discounts/all/retirement-calc/","offer_page_data":"/content/aarpe/en/home/benefits-discounts/all/retirement-calc/_jcr_content/.dataview.json","offer_page_modal":"/benefits-discounts/all/retirement-calc.modalview/","evol_offer_page_path":"/membership/benefits/finance/retirement-calculator/","evol_offer_page_modal":"/membership/benefits/finance/retirement-calc.modalviewulator/","dbr_offer_id":"2fc8d8164bbaa3fb38273bbab95bae31","image_alt_text":"hands using calculator, retirement planning ","vertical_image_alt_text":"pen in hand punching numbers on a calculator","provider_logo_alt_text":"","provider_image_alt_text":"","offer_date_status":"n/a","image_url_width":"1140","image_url_height":"655","image_cdn_uri":"https://cdn.aarp.net/content/dam/aarp/money/retirement_planning/2015-01/1140-hand-retirement-calculator.imgcache.revd8d3706f97260e22101e511a81ce7fc5.jpg","vertical_image_cdn_uri":"https://cdn.aarp.net/content/dam/aarp/money/retirement_planning/2015-01/258x334-hand-retirement-calculator.imgcache.revd8d5af5939993cf4dda1e8352234bbff.jpg","vertical_image_url_width":"258","vertical_image_url_height":"334","provider_image_cdn_uri":"","provider_logo_cdn_uri":"","provider_image_width":"","provider_image_height":"","provider_logo_width":"","provider_logo_height":"","authentication_code_provider_url":"","authentication_code_provider_2_url":"","tags":[{"tagID":"dbr:finances","title":"Finances","svgPathCdn":"https://cdn.aarp.net/content/dam/aarp/benefits_discounts/icons/icon-retirement e654.imgcache.revb2af031567fe1504be85021aef1ce698.svg","name":"finances","deeplink_url":"/benefits-discounts/?category\u003dfinances","deeplink_param_value":"finances","get_offers_url":"/etc/aarp/dbr/ws.api/offers/finances.json","sub_tags":[{"tagID":"dbr:finances/retirement","title":"Retirement","name":"retirement","deeplink_url":"/benefits-discounts/?category\u003dfinances-retirement","deeplink_param_value":"finances-retirement","get_offers_url":"/etc/aarp/dbr/ws.api/offers/finances-retirement.json"}]}],"ltos":[],"lto_daysleft_start_control":30,"master_brand":"retirement-calc","analytics_brand":"Retirement Calculator","analytics_offerid":"retirement-calc","category_list":"finances","subcategory_list":"finances-retirement","dbr_offer_type":"socialmission","offer_timing":"anytime","parent_offer_page_path":"","append_aid_paramter":"","enable_utm_parameters":"false","taxonomy_general_category":"money","taxonomy_level_1":"personal-finances"},"parentOfferJson":{}}]}
learn more
See more Technology & Wireless offers >
{"hideCategory":false,"useAlternateLanguage":false,"headlineIconAltText":"","listItems":[{"categoryTitle":"Technology \u0026 Wireless","categoryUrl":"/benefits-discounts/?category\u003dtechnologyandwireless","categoryDeeplinkParam":"technologyandwireless","isLimitedTimeOffer":false,"offerJson":{"offer_id":"10042","offer_title":"AT\u0026T Unlimited Premium℠ Plan","offer_short_title":"","offer_short_description":"Members can save monthly on qualified AT\u0026T wireless plans","modified_on":1538397840,"created_on":1477663080,"featured_offer":"80","last_updated_by":"Gretchen Quiteles","offer_description":"\u003cp\u003eMembers can learn how to save up to $10 per line per month on the AT\u0026amp;T Unlimited Premium℠\u0026nbsp;plan, plus receive up to $50 in waived activation and upgrade fees.\u003c/p\u003e","redemption_type":"yes","starts_on":1538366400,"created_by":"asi_admin1","country_code":"US","tab_label_offer_details":"Details","tab_label_restrictions":"Disclosures","restrictions_label":"Disclosures","restrictions":"\u003cp\u003e\u003cb\u003eAT\u0026amp;T Signature Program Disclaimers\u003c/b\u003e\u003c/p\u003e\u003cp\u003e\u003cb\u003eAT\u0026amp;T SIGNATURE PROGRAM DISCOUNTS:\u0026nbsp;\u003c/b\u003eAvailable to qualified employees, students \u0026amp; other authorized individuals associated with eligible companies, universities \u0026amp; other sponsoring organizations with a qualifying service agreement (Business Agreement). Must validate eligible online or provide valid employee badge/paystub, student ID, or other approved proof of eligibility in authorized retail store \u0026amp; subscribe to service under an individual responsibility account for which the qualifying individual is personally liable. Discount subject to Business Agreement \u0026amp; may be interrupted, changed, or discontinued without notice. Additional restrictions apply. \u003cb\u003e\u003cu\u003eCredits/Discounts\u003c/u\u003e\u003c/b\u003e: Start w/in 2 bill cycles after service activation \u0026amp; eligibility confirmed.\u0026nbsp; Applied after application of any available credit. \u003cb\u003e\u003cu\u003eService discount\u003c/u\u003e\u003c/b\u003e:\u0026nbsp; Req’s AT\u0026amp;T Unlimited Elite plan. $10 discount applied after the application of any available Autopay, paperless bill, only on phone lines 1 – 5. Any additional phone lines added over 5 and up to max of 10 reduces all phone line (including lines 1-5) discounts to $5/mo. per phone line. May not be stackable w/other offers, credits or discounts. \u003cb\u003e\u003cu\u003eExclusions\u003c/u\u003e\u003c/b\u003e: Military, Veterans, First Responders, Massachusetts Public Sector Employees, AT\u0026amp;T employees, EMO, IMO and FirstNet customers. May not be combinable with other select offers or promotions.\u0026nbsp;\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u003cb\u003eAT\u0026amp;T UNLIMITED PREMIUM\u003csup\u003eSM\u003c/sup\u003e PLAN:\u003c/b\u003e All AT\u0026amp;T wireless services subject to terms and conditions in the Consumer Service Agreement (\u003ca href\u003d\"https://www.att.com/legal/terms.consumerServiceAgreementInformation.html\" target\u003d\"_blank\" data-overlay-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" title\u003d\"AT\u0026amp;T Website\" rel\u003d\"noreferrer\" data-default-element-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-displayoverlay\u003d\"displayOverlay\"\u003eatt.com/csa\u003c/a\u003e).\u003cb\u003e Other Non-Phone Device Monthly Charges: \u003c/b\u003e$20 per tablet, $20 per camera; $10 per wearable. If no phone line, first standalone non-phone device will be billed at Starter plan, phone single line pricing. Phones only.\u003cb\u003e \u003c/b\u003eAdvertised monthly price includes monthly plan charge for talk, text and data \u0026amp; monthly per-line phone access charge for access to such services.\u0026nbsp;\u003cb\u003e OTHER RESTRICTIONS \u0026amp; FEES:\u003c/b\u003e Activation/upgrade fee per line (up to $50) \u0026amp; deposit may apply. \u0026nbsp;\u003cb\u003eAutoPay \u0026amp; Paperless Bill Discount:\u003c/b\u003e Monthly discount $10 per phone line when active \u0026amp; enrolled in both.\u003cb\u003e AT\u0026amp;T employees, retirees \u0026amp; IMO consumers are not eligible for the AutoPay and Paperless bill discount.\u003c/b\u003e Discount starts w/in 2 bill cycles. Credit card may be required (except for MA, PA and ND). Pay full plan cost until discount starts. \u003cb\u003eUNLIMITED DATA:\u003c/b\u003e For use in the United States (the “Domestic Coverage Area” or “DCA”), Mexico and Canada. \u003cb\u003eDATA RESTRICTIONS\u003c/b\u003e: 2G off-net data speeds may apply. All AT\u0026amp;T service is subject to AT\u0026amp;T network management policies. See att.com/broadbandinfo for details. \u003cb\u003e5G SERVICE\u003c/b\u003e: Requires a compatible 5G device. 5G service is not available everywhere. See att.com/5Gforyou for details. \u003cb\u003e\u0026nbsp;VIDEO STREAMING: \u003c/b\u003eIncludes Stream Saver feature which streams higher definition video in Standard Definition (max 1.5 Mbps) on compatible devices. Feature will not recognize all video content and may affect the speed of video downloads. To enjoy higher definition video when available, you can turn it off or back on at any time at att.com/myatt. Streaming/video resolution vary, are affected by other factors and restrictions apply. Details at att.com/streamsaver. \u0026nbsp;\u003cb\u003eActiveArmor\u003csup\u003eSM\u003c/sup\u003e advanced mobile security: \u003c/b\u003eCompatible device required. You must download the AT\u0026amp;T ActiveArmor app and accept its terms and conditions for full App functionality. May not detect all threats. May inadvertently block wanted calls; settings can be adjusted in the App. \u003cb\u003eIdentity Monitoring:\u003c/b\u003e May not detect all compromises or leaks of your personal data.\u003cb\u003e Public Wi-Fi Protection:\u003c/b\u003e\u0026nbsp;Requires setup; the feature is automatically enabled when your device joins a public (unencrypted) Wi-Fi network unless an alternate VPN service is active. Does not work when using certain video streaming apps or Wi-Fi calling on certain devices. Some features may not work while roaming internationally.\u0026nbsp;Details at \u003ca href\u003d\"https://www.att.com/security/\" target\u003d\"_blank\" data-overlay-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" title\u003d\"AT\u0026amp;T Website\" rel\u003d\"noreferrer\" data-default-element-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-displayoverlay\u003d\"displayOverlay\"\u003ehttps://www.att.com/activearmor.\u003c/a\u003e\u003cb\u003e MOBILE HOTSPOT:\u003c/b\u003e Requires compatible device. Includes up to 50GB per line per month. After 50GB, mobile hotspot speed slowed to max of 128Kbps for the rest of bill cycle.\u0026nbsp; After this, mobile hotspot data usage, will be impacted and not fully functional. \u003cb\u003eUNLIMITED TALK:\u003c/b\u003e Phones only. Includes calls w/in and between DCA, Mexico \u0026amp; Canada. You may be charged for calls to special or premium service numbers and calls to other countries. For rates, see att.com/intlcalling. \u003cb\u003eUNLIMITED TEXT:\u003c/b\u003e Compatible phone and rate plan required. Includes unlimited messages up to 1MB in size within and from DCA, Mexico and Canada.\u0026nbsp; For texting to other countries, see att.com/text2world. Messages sent through applications may incur data or other charges. Advanced Messaging: Not available for use in Mexico and Canada. Other restrictions apply \u0026amp; can be found at att.com/advancedmessaging. \u003cb\u003eLIMITS:\u003c/b\u003e Max 10 devices on Unlimited Your Way plan group.\u0026nbsp; These plans may not be eligible for additional discounts, including but not limited to Signature discounts. AT\u0026amp;T employees \u0026amp; retirees may not be eligible for certain benefits, offers, and discounts associated with these plans.\u003c/p\u003e\u003cp\u003e\u003cb\u003eROAM LATIN AMERICA: Eligibility:\u003c/b\u003e Compatible smartphones only. \u003cb\u003eCountries: \u003c/b\u003eFor a list of included countries, go to \u003ca href\u003d\"https://www.att.com/roamlatam/\" target\u003d\"_blank\" data-overlay-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" title\u003d\"AT\u0026amp;T Website\" rel\u003d\"noreferrer\" data-default-element-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-displayoverlay\u003d\"displayOverlay\"\u003ehttps://www.att.com/roamlatam\u003c/a\u003e. Countries are subject to change without notice. Coverage and data speeds vary by country (may be at 3G speed) and may change without notice. Coverage not available in all areas.\u003cb\u003e Unlimited Talk, Text and Data Usage: \u003c/b\u003eThis feature allows you to use data in an included country, make calls between included countries and from included countries to the U.S. and any country included in International Day Pass (“IDP”), and send text messages in an included country without roaming charges\u003cb\u003e.\u003c/b\u003e \u003cb\u003eCalls made to included countries while in the U.S. are not included. \u003c/b\u003eText messages received are rated as domestic. Unlimited text applies only to SMS and MMS and not to other messaging services or applications like iMessage.\u0026nbsp; \u003cb\u003eExcessive Use/Abuse:\u003c/b\u003e This feature is intended for roaming use during periods of travel to included countries by customers whose primary place of use is within the USA. Predominantly using your Unlimited Premium plan in one or more of the included countries may result in this feature being removed from your account. \u003cb\u003eCalls to non-\u003c/b\u003e \u003cb\u003eIDP countries: \u003c/b\u003eCalls from included Latin America countries to countries not included in IDP will get International Long Distance (ILD) charges.\u0026nbsp; For a list of IDP countries, go to att.com/globalcountries. Pay-per-use rates apply unless you add an ILD package to your device. Rates are subject to change without notice. For details, go to \u003ca href\u003d\"https://www.att.com/international/long-distance/\" target\u003d\"_blank\" data-overlay-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" rel\u003d\"noreferrer\" title\u003d\"AT\u0026amp;T Website\" data-default-element-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-displayoverlay\u003d\"displayOverlay\"\u003eatt.com/intlcalling\u003c/a\u003e.\u003cb\u003e\u003c/b\u003e\u003c/p\u003e\u003cp\u003e\u003cb\u003eAll offers, programming, promotions, pricing, terms, restrictions \u0026amp; conditions subject to change \u0026amp; may be modified, discontinued, or terminated at any time without notice\u003c/b\u003e.\u003c/p\u003e\u003cp\u003e©2022 AT\u0026amp;T Intellectual Property. All rights reserved. AT\u0026amp;T, the AT\u0026amp;T logo, all other AT\u0026amp;T marks contained herein are trademarks of AT\u0026amp;T Intellectual Property and/or AT\u0026amp;T affiliated companies.\u003c/p\u003e","offer_status":"Active","national_offer_flag":"yes","language_code":"EN","offer_type":"EverGreen","asi_category":"ASI Sho