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Your life expectancy is an important factor in developing a retirement plan
To meet the goal of every retirement plan, which is to ensure your income and cash flow last at least the rest of your life, you need a reasonable estimate of your life expectancy. In most plans, the life expectancy…
No Gaps In Understanding: Here’s Your Primer On Medigap Coverage
(By Judith Graham for Kaiser Health News) Every year, older adults can opt out of a Medicare Advantage plan and opt in to original Medicare during open enrollment season, which begins on Oct. 15. But unexpected problems can arise with…
Early retirement unrealistic for many
Depending upon which demographic you fall into, your opinion of your “ideal retirement age” is probably different from those folks in a different demographic. Millennials tend to think that 61, or even earlier, is a good target age to hang…
Another Social Security scam alert!
It seems as if there’s no end to the shenanigans criminals will try to bilk you out of your money, and your Social Security benefit is a prime target for those with nefarious intentions. In this Sweetwater Now (WY) press release…
When to take Social Security? It’s always a personal decision
In this article by Holly Peterson appearing in the Idaho State Business Journal, the author discusses some pertinent Social Security facts and also some things to consider as you try to decide what age to start benefits. But fitting Social…
Garnishing your Social Security benefits
Seeing as how so many millions of Americans rely heavily on their Social Security payment to make ends meet, the thought of having your benefits garnished is pretty scary indeed. Of course the best way to avoid even worrying about…
Down the Decades: Retirement planning advice for any age
How should you be planning for your retirement if you are, say, in your 20’s? Or in your 30’s? Or, for that matter at just about any age before you’re on your actual retirement horizon? How much should you have…
Changes proposed to how Medicare pays doctors
In an effort to reduce the bureaucratic burden on both physicians and auditors, the Centers for Medicare & Medicaid Services (CMS) is proposing changes to the payment policy for doctors. The new policy proposes that the current doctor payment plan,…
A question to “Ask Larry”: When should I start my benefits?
In this nationally syndicated “Ask Larry” article appearing in Forbes magazine, columnist Laurence Kotlikoff answers a question from a woman whose husband has a pension from an employer who did not participate in the Social Security program. The woman is…
On public employees not participating in Social Security
At the AMAC Foundation, the Social Security Advisory staff regularly hears complaints from teachers and other public service employees who have been affected by Social Security’s Windfall Elimination Provision (WEP) or Government Pension Offset (GPO). These two provisions reduce Social Security…