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Medicare coverage can be confusing
Medicare coverage can be confusing. With so many rules, it is easy to be overwhelmed. One such rule is the “3-day rule”, which can dictate what services Medicare will cover or not. Angelica Leicht, reporting for CBS News, explains what…
Multifactor authentication is gaining acceptance
People are no longer frustrated about multifactor authentication processes and other security measures on retirement plan websites and mobile apps, according to the latest J.D. Power’s U.S. Retirement Plan Digital Experience Study. Over half of the respondents stated that security…
Some harsh truths about the COLA
The 2026 Cost-of-living allowance (COLA) will be announced next month. Many seniors see this as a raise, but it is far from that. COLA is solely meant to keep pace with the impact of inflation, so you don’t lose buying…
ACA Marketplace and small businesses
Most of the media concentrate their coverage of the ACA Marketplace on individuals and families buying coverage on their own; however, many enrollees are connected to small businesses or are self-employed. It is estimated that 48 percent of adults under…
The SSA’s Office of Congressional Affairs
When a congressional representative is working on resolving an issue involving Social Security for one of their constituents, they contact the SSA’s Office of Legislation and Congressional Affairs. This office provides technical assistance to lawmaker offices when developing Social Security…
You are not too old to start saving
“Better late than never” can be said about saving for retirement. Some people say, “I’m too old to start saving for retirement”, but in truth, you are not. Even if you started later than everyone else, you could start saving…
Paying a higher share of Medicare premiums
In May 2025, 68.9 million Americans were enrolled in Medicare according to the Centers for Medicare and Medicaid Services (CMS). The premiums paid by Medicare beneficiaries are generally 25 percent of the program costs for Part B and Part D,…
The US retirement readiness has improved
The United States’ retirement readiness ranking has improved compared to last year; however, it’s still lower than where we stood a decade ago, according to the 2025 Global Retirement Index from Natixis Investment Managers. Even with the increase in ranking,…
You may want to stop funding your retirement account
We are continually told by experts that Americans are not saving enough for retirement, but what if there are other accounts that we should prioritize contributions to? I’m not saying that saving for retirement is wrong, considering Social Security was…
The future of Medicare Advantage extra benefits
In 2025, more than 54 percent, or 34.1 million seniors, are enrolled in a Medicare Advantage plan. Many seniors choose a Medicare Advantage plan for the extra benefits that are not available with traditional Medicare. Those extras can include dental,…