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Medicare “Open Enrollment:” What you need to know
“Open Enrollment” – the time of the year you can change from your current Medicare Advantage or Part D prescription drug plan to something else – begins on October 15th. This period, which lasts until December 7th, is when you…
Overpayment of SSI Benefits
“SSI” is “Supplemental Security Income,” which is not regular Social Security but rather general assistance jointly administered by the State you live in and the Social Security Administration. Not to be confused with regular Social Security retirement benefits, SSI is…
Information for Older Investors
Protecting our assets as we age is important to ensure we do not run out of money in retirement. That essentially means we must be savvy about any new investments we may make, and monitor our existing investments as well,…
Americans Are Lagging with Retirement Savings
Probably not a revelation, but over half of working Americans believe they are behind when it comes to retirement savings, not surprisingly with the largest concerns expressed by those closest to retirement. These heightened feelings have been fueled by soaring…
The Case for Claiming Social Security Early
“Claiming early,” in the context of Social Security, means taking benefits before reaching one’s full retirement age (FRA) which, for those born in 1960 or later, is age 67. There are, of course, consequences for claiming benefits early, most notably…
Need a Disability Attorney? Here’s what you need to know
Statistically, about 1 in 5 American workers will become disabled at some point in their career, and Social Security is there to help by providing Social Security Disability Insurance (SSDI) benefits. SSDI benefits are relatively simple to apply for (can…
Medicare 101 – Just in time for upcoming “Open Enrollment” Period
Medicare’s so-called “Open Enrollment” period is just around the corner, starting on October 7th. As most who delve into it know, Medicare is a fairly complex federal program with several different “parts,” each with a different purpose. And because these…
Retirement on your Horizon? Here’s what to know now
You’ve worked your whole life for this forthcoming event – withdrawing from the “rat race” and easing into a life free of the stress which normally accompanies a career. If your retirement is on your 5-year horizon, now is the…
Social Security Disability: Eligibility Criteria
Social Security Disability Insurance (SSDI) is a program which protects workers from loss of income if they become unable to perform “substantial gainful activity” (SGA). Obviously, there are specific medical requirements associated with the SSDI program, but a worker who…
Working in Retirement – A Growing Trend
Retirement dreams once consisted of lolling away the days in a hammock, sipping a cool beverage, without a care in the world and, I suppose, some dreams still hold that image. But the reality of retirement life today is frequently…