Certain features like unlimited data and mobile hot spots are now standard on most cell phone plans, but that doesn’t mean that seniors want or need to pay for options that they are not going to use. After all, your preferences and desires for what you get out of a cell phone are not necessarily in line with the cell-phone using majority—and your budget may not be either. Fortunately, there are cell phone plans that have been designed with seniors in mind. When it comes to cell phone plans for seniors, here are a few aspects to look for.

  • Pay as you go plans. If you don’t really use or want a cell phone on a regular basis, these types of plans could be for you. With a plan that allows you to pay as you go, you only pay for the data that you use. Thus, if you do not use your phone daily, but you want to have one in case of emergencies, then this type of plan will prevent you from paying for unused data. Plans to look into: T-Mobile Pay As You Go, AT&T GoPhone Daily.


  • Flexible plans. If you plan to use your phone more than just the bare minimum, but still do not have a need for unlimited data, then flexible plans are a good option among cell phone plans for seniors. A flexible plan is essentially a build-your-own plan, with which you pay a set monthly service fee, but you are billed for your service in tiers. For example, if you text frequently one month but not the next, then your bill will reflect a different relevant tier level charge for each of those months. Plans to look into: Ting, U.S. Mobile.


  • Data conscious plans. If you are a frequent data-user, then there are plans that will allow you the freedom to consume data while preventing you from overpaying, which can be especially important when you are living on a limited budget in retirement. These plans will give you access to the data you need without charging you unnecessary fees. Plans to look into: Google Project Fi, Cricket Wireless Basic, Boost Mobile Unlimited.


  • Plans with built-in emergency services. Some cell phone plans are designed specifically for seniors and include features related to ease of use and emergency services. For example, you may have heard of the Jitterbug from GreatCall. This phone showcases large buttons, a loud speaker and a bright screen that displays easy-to-read text. GreatCall also gives you the option to add health services to your plan like regular wellness calls, a personal operator and 5Star Urgent Response, which connects you to 911 with the push of one button. Plans to look into: GreatCall WeTalk 200.

When planning your retirement budget, cell phone service is certainly an area where you can trim down to only pay for the features you want or need. Take advantage of these and similar cell phone plans for seniors as you are getting ready for retirement.

For more retirement advice and insight, continue to follow Ty J. Young Inc.’s Retirement You Earned blog! To set yourself up for a financially-secure retirement, contact the Ty J. Young Inc. team today to learn about the investment products that we offer our clients. Call us at 877-912-1919!

*Adapted from Nerdwallet.com.

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