The LGBT community has always faced unique challenges—physical, emotional and financial. And despite the fact that the Defense of Marriage Act was struck down, there are still plenty of legal obstacles for transgender, lesbian and gay couples—some of them surfacing just in time for retirement.

According to SAGE, a nonprofit group focusing on improving the lives of older LGBT people, 51 percent of older LGBT people are worried they won't have enough money as they age, compared with 36 percent of the general population. In addition, more than 40 percent of the older LGBT community fears outliving retirement savings and are “very worried” that they'll have to work beyond retirement age; just a quarter of non-LGBT people are comparably concerned.