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Unhappy with your Medicare Advantage Plan? Here’s when and how you can change it

Medicare terms are often misunderstood, especially when it comes to the various names of so-called “enrollment periods”, which you can either enroll in or make changes to your Medicare plan selections. Perhaps the most publicized enrollment period is the AEP,…

Social Security: America’s best financial asset

You’ll seldom hear anyone opine that Social Security isn’t one of our country’s most important financial assets, especially any of America’s senior citizens. The fact is that Social Security alone provides benefits to over 62 million people and for many millions, that…

Why claiming Social Security at your full retirement age may be a smart move

The earliest age you can claim Social Security retirement benefits is 62 and, the fact is, a majority of people do claim at that age. Problem is, by claiming earlier than your full retirement age (between 66 and 67, depending…

Stopping work and claiming Social Security needn’t go together

Although it’s a fairly natural reaction, claiming Social Security at the same time you stop working isn’t necessarily the right thing to do. Sure, the loss of employment earnings can make you nervous about your ability to pay your bills,…

How to make sure you’re ready to retire

Retirement is a huge step in your life. Moving from the structure of your daily work life to a more unstructured life style available in your so-called “golden years” may not turn out to be something you’re comfortable with. At…

Errors in your Social Security statement can mean lower benefits

Social Security is a massive program serving about 63 million American citizens, and with a program that size errors can and do occur. A key element in determining your Social Security benefit is your lifetime earnings record, which is why…

What to do if Social Security will be your main source of income

Although Social Security was never intended to be more than a supplemental source of income for retirees, it’s a fact that about 44% of unmarried seniors rely on Social Security for 90% or more of their income. That’s sure to…

Benefits if you were married multiple times

Retired after 33 years with the Social Security Administration, Tom Margenau is a regular contributor to Tucson.com with his “Social Security and You” column, answering questions from those seeking advice on Social Security matters. In this column, Tom explores the…

Don’t make these retirement planning mistakes

Planning for your retirement should always be on your mind at the beginning of each year, and if you want to stay on plan there are certain mistakes you should avoid making, including not contributing as much as possible to a…

After “open enrollment”, you may still be able to make changes to your Medicare plan

Even though “open enrollment” ended on December 7th, if you meet certain qualifications you may still be able to make changes to your Medicare coverage during a special enrollment period which runs from January 1st to March 31st. If you have one…

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