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Social Security: Maximizing Spousal Benefits
Most strategies on Social Security planning focus on maximizing a couple’s total lifetime benefits based on coordinating spousal benefits. However, while spousal benefits are crucial to SS retirement planning, don’t be surprised if clients, or even colleagues, are not familiar…
The Incredible Shrinking Paycheck
If you work for a paycheck, you already noticed that. If you make more than $100,000 a year, you are one of approximately 10 million Americans in that category. Some say you have it made. Yet when it comes to taxes in 2014, you are hit especially…
We must protect Social Security
Over the past three years, Congress’ solution to our budget crisis has been a temporary patchwork of fiscal bandages, passed at the stroke of midnight before critical deadlines. Unfortunately, some have proposed balancing our budget by cutting Social Security benefits. That’s unfair…
This Little-Known Social Security Trap Could Leave You With No Benefits
Social Security is a key part of your financial security in retirement, but many people don’t realize that they’re not even eligible to receive Social Security benefits. One little-known rule often gets ignored until it’s too late for unsuspecting retirees.…
Medicare Cuts Stalled Growth of CCRC, Senior Care Spending to $151 Billion
Healthcare spending for freestanding skilled nursing facilities and continuing care retirement communities increased slightly to $151 billion in 2012, representing a deceleration in spending growth from the previous year, according to the Centers for Medicare & Medicaid Services (CMS). In 2012,…
Congress Braves First Steps in Medicare Reform
Congress is getting serious about changes to Medicare, even if that means cutting coverage to services that senior citizens have long enjoyed. At issue are what’s known as Medicare “extenders,” tacked-on money that Congress has to approve annually to fund the…
Reed highlights Cornell impact from omnibus spending
U.S. Rep. Tom Reed, R-Corning, said he fought for certain parts of a sweeping spending bill that eliminates the threat of another government shutdown until September. The nearly 1,600-page omnibus spending bill includes all of the federal government’s discretionary spending except…
Ten Disability Awareness Lessons Learned From Dr. Martin Luther King, Jr.
My children and I just finished reading a new book titled, “My Daddy, Dr. Martin Luther King, Jr.” by Martin Luther King III. It’s a warm, intimate biography that explains a turning point in American history from the perspective of a child. At…
Ruth Bass: Nine digits that owner must guard
On the one hand, you can find evidence that no one was ever supposed to use a Social Security number for identification. On the other hand, every credit card application we’ve ever seen asks for that very number and won’t…
Veterans Group responds to proposed change to disability claims process
As reported in our January 13 Headline post, veterans’ groups have expressed concern over a proposal by the U.S. Department of Veterans Affairs requiring the use of standardized forms to help modernize the process benefit application process. Fox News interviewed…