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Don’t miss this chance to change plans
The Medicare Advantage open enrollment period runs from January 1st through March 31, 2026. If you missed your chance during Medicare open enrollment, you can now switch to another Medicare Advantage Plan (with or without drug coverage). Or, you can…
Creating incentives for lifetime income solutions
Only 12 percent of private sector workers have access to traditional pensions, which, at one time, was the cornerstone of company retirement plans. “America’s retirement system is at a pivotal turning point, and a number of changes are needed to…
Decluttering to save money and space in retirement
We have seen those commercials depicting retirees with a carefree life; however, many older Americans entering their retirement years are experiencing anxiety due to decades of “just in case” purchases collecting dust in their garages or attics. These dust collectors…
You may be eligible for Extra Help with Medicare Part D
Medicare Extra Help is a federal program that assists individuals with limited income and resources in paying for prescription drug costs under Medicare Part D. Medicare Extra Help, also known as the Low-Income Subsidy (LIS), is designed to help eligible…
You don’t have to run out of money in retirement
Nearly two in three Americans (64 percent) are more worried about going broke in retirement than dying, according to the 2025 Annual Retirement Study from the Allianz Center for the Future of Retirement. But what if things are not as…
Compound interest, the eighth wonder of the world
Most Americans think that to retire comfortably, you will need $1.5 million dollars in retirement savings. That figure is daunting for most individuals when the average annual salary across the U.S. is approximately $59,428. To reach that goal, you would…
MA payments are $76 billion above FFS Medicare
Medicare Advantage (MA) plans are funded primarily through fixed monthly payments from Medicare, based on the expected healthcare costs of enrolled beneficiaries. According to a recent report from the Medicare Payment Advisory Commission (MedPAC), in 2026, “Medicare Advantage payments are…
Are you ready to retire early?
All the retirement experts advise us that we need between one and two million dollars before we can retire. Others say, don’t start your Social Security before age 70. All this advice is great, but isn’t it a personal decision…
Potential violations of the Hatch Act
In newly disclosed court documents, the Justice Department revealed the DOGE team may have misused Social Security data. A top Justice Department official said, “SSA referred both DOGE employees for potential violations of the Hatch Act, which bars government employees…
H.R.5454 Medicare Advantage Prompt Pay Act
The Medicare Advantage Prompt Pay Act, H.R.5454, is bipartisan legislation introduced in Congress to address issues related to the reimbursement practices of Medicare Advantage (MA) plans. The act seeks to improve payment timelines for healthcare providers and protect seniors from…