No Widow Should Spend Her Final Years in Poverty
The Widow's Annuity Foundation restores dignity and financial security to America’s widows
Widow’s Annuity Foundation is a non-profit dedicated to ensuring that widows are never left without financial security.
Through annuity support, counseling, and community programs, we help families find hope after loss.
Our Programs
Our Mission
Restoring dignity. Rebuilding lives.
When a woman loses her husband, she often loses her stability too. The Widows Annuity Foundation (WAF) exists to ensure widows across America can age with dignity, free from fear, by providing monthly stipends for life.
The Problem
• Nearly 1 in 3 widows over 65 lives at or near poverty (U.S. Census Bureau).
• Women live 5–7 years longer than men on average (Social Security Administration).
• Over 80% of women outlive their husbands (WISER).
• Widows experience an average 37% income decline within the first year of loss.
This financial shock forces too many widows to skip meals, forgo medicine, or even face eviction. Without intervention, many end up in shelters despite working and contributing their entire lives.
Our Solution
At WAF, we believe in lasting impact, not temporary aid. Our model ensures widows are supported for life:
1. Case worker assignment for personalized care.
2. Financial hardship affidavit + personal interview.
3. Verified references to ensure accountability.
4. Monthly stipends for life — restoring a standard of living with stability and hope.
Why It Works
Continuous stipends create stability, not just short-term relief.
• Case workers ensure resources are allocated fairly.
• Donors directly help widows maintain dignity, safety, and independence.
Every $1,000 monthly stipend prevents eviction, hunger, and despair.
Annuity
Support
Monthly financial assistance for widows.
Counseling
& Community
Emotional support & peer groups.
Education
& Training
Workshops to rebuild confidence and income.
Our Mission
Restoring dignity. Rebuilding lives.
When a woman loses her husband, she often loses her stability too. The Widow's Annuity Foundation (WAF) exists to ensure widows across America can age with dignity, free from fear, by providing monthly stipends for life.
The Problem
• Nearly 1 in 3 widows over 65 lives at or near poverty (U.S. Census Bureau).
• Women live 5–7 years longer than men on average (Social Security Administration).
• Over 80% of women outlive their husbands (WISER).
• Widow's experience an average 37% income decline within the first year of loss.
This financial shock forces too many widows to skip meals, forgo medicine, or even face eviction. Without intervention, many end up in shelters despite working and contributing their entire lives.
Our Solution
At WAF, we believe in lasting impact, not temporary aid. Our model ensures widows are supported for life:
1. Case worker assignment for personalized care.
2. Financial hardship affidavit + personal interview.
3. Verified references to ensure accountability.
4. Monthly stipends for life — restoring a standard of living with stability and hope.
Why It Works
Continuous stipends create stability, not just short-term relief.
• Case workers ensure resources are allocated fairly.
• Donors directly help widows maintain dignity, safety, and independence.
Every $1,000 monthly stipend prevents eviction, hunger, and despair.
Our Programs
Our Mission
Restoring dignity. Rebuilding lives.
When a woman loses her husband, she often loses her stability too. The Widows Annuity Foundation (WAF) exists to ensure widows across America can age with dignity, free from fear, by providing monthly stipends for life.
The Problem
• Nearly 1 in 3 widows over 65 lives at or near poverty (U.S. Census Bureau).
• Women live 5–7 years longer than men on average (Social Security Administration).
• Over 80% of women outlive their husbands (WISER).
• Widows experience an average 37% income decline within the first year of loss.
This financial shock forces too many widows to skip meals, forgo medicine, or even face eviction. Without intervention, many end up in shelters despite working and contributing their entire lives.
Our Solution
At WAF, we believe in lasting impact, not temporary aid. Our model ensures widows are supported for life:
1. Case worker assignment for personalized care.
2. Financial hardship affidavit + personal interview.
3. Verified references to ensure accountability.
4. Monthly stipends for life — restoring a standard of living with stability and hope.
Why It Works
Continuous stipends create stability, not just short-term relief.
• Case workers ensure resources are allocated fairly.
• Donors directly help widows maintain dignity, safety, and independence.
Every $1,000 monthly stipend prevents eviction, hunger, and despair.
Annuity
Support
Monthly financial assistance for widows.
Counseling
& Community
Emotional support & peer groups.
Education
& Training
Workshops to rebuild confidence and income.
Our Programs
Impact in Action
Mary’s Story
“After 45 years of marriage, I lost my husband — and my financial security. My Social Security dropped to $1,200/month. I couldn’t pay rent, buy groceries, and afford my medication. I thought I’d lose everything.
With help from the Widow's Annuity Foundation, I now receive a monthly stipend that covers my rent. I can breathe again. I can live my final years at home, with dignity.”
Our Programs
How You Can Help?
Your donation makes an immediate, measurable difference:
• $500/month = keeps one widow from food insecurity 🍎
• $1,000/month = keeps one widow out of homelessness 🏠
• $12,000/year = changes a life forever ❤️
Together, we can rewrite the story for widows in America.
Annuity
Support
Monthly financial assistance for widows.
Counseling
& Community
Emotional support & peer groups.
Education
& Training
Workshops to rebuild confidence and income.
Impact in Action
Mary’s Story
“After 45 years of marriage, I lost my husband — and my financial security. My Social Security dropped to $1,200/month. I couldn’t pay rent, buy groceries, and afford my medication. I thought I’d lose everything.
With help from the Widows Annuity Foundation, I now receive a monthly stipend that covers my rent. I can breathe again. I can live my final years at home, with dignity.”
How You Can Help?
Your donation makes an immediate, measurable difference:
• $500/month = keeps one widow from food insecurity 🍎
• $1,000/month = keeps one widow out of homelessness 🏠
• $12,000/year = changes a life forever ❤️
Together, we can rewrite the story for widows in America.
“Religion that God our Father accepts as pure and faultless is this: to look after orphans and widows in their distress…” — James 1:27
🛑 DISCLAIMER: The Widow's Annuity Foundation is a nonprofit organization dedicated to providing financial support and resources to widows facing economic hardship. We do not sell, promote, or provide financial products, including annuities, insurance, or investment vehicles. Any references to annuities in our name or materials are descriptive of the challenges widows often face and are not an offer or solicitation of financial products or services.
All donations to the Foundation are used to support our charitable programs and are tax-deductible to the extent allowed by law. The Foundation does not provide legal, tax, or financial advice. Individuals should consult with their own advisors regarding any personal financial decisions.
The Annuity Widow's Foundation, its founders, directors, and volunteers make no guarantees regarding outcomes for program participants and disclaim liability for any actions taken based on information provided by the Foundation.
✨ Join us in restoring dignity and security for America’s widows.
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