Flu season is approaching, and for Americans over 65, catching influenza can mean much more than spending a few miserable days in bed. Older adults face a greater risk of pneumonia, hospitalization, and other serious complications, particularly when they have underlying medical conditions. With flu activity already showing signs of increasing in early October, now is a good time to make a prevention plan rather than waiting until cases surge.
According to the Centers for Disease Control and Prevention, adults 65 and older account for an estimated 70% to 85% of seasonal flu-related deaths and 50% to 70% of flu-related hospitalizations in recent years. Those numbers make flu prevention for seniors especially important as the 2026–2027 respiratory virus season begins. Here are seven practical steps that could help protect your health, independence, and retirement budget.