The Exemptions You've Earned —
Nobody Told You To Claim.

Honest answer: the property-tax chapters won't apply to you. But that's just one part of the Playbook. The Social Security chapters — which are the core of this guide — apply to every senior, renter or owner. So do the chapters on utility and bill assistance and fee waivers, and several states run renter-credit programs listed in the State Directory.

You don't have to guess — you look it up. That's what the State Directory does: your state on one page, the programs it offers, and the office where you file. Every chapter is also marked with "who may qualify," so you never spend time on a program your state doesn't have. Eligibility varies by state and situation.

It depends on the program. Some are quick — a utility credit or a fee waiver can land on your next statement or two. Others run on a cycle: a property-tax exemption usually shows up on your next assessment, and a Social Security correction follows their processing schedule. Each chapter tells you whether it's a fast win or a next-cycle change, and which programs allow back-claims for prior years, so you file in the right order and don't leave past money behind.

Not at all. Most benefits and exemptions can be claimed at any age once you're past the threshold — you simply start collecting from the day you file. And on Social Security, the guide is honest: some moves are still open to you in your 70s and some aren't, so each chapter tells you plainly what's still on the table and what has passed, with no false hope.

It's a set of PDFs — nothing complicated. The moment you buy, you get an instant download, and the link is emailed to you as well, so you can open it later on any device: phone, tablet, or computer. Print it if you prefer paper. No monthly fees, no subscription, no app to install.

14-Day Money-Back Guarantee. If the Playbook isn't right for you, send a short note to support@hankmercer.com and you get the full amount back — no questions asked.