If your mother enters the nursing home, you can ask the nursing home to submit a "demand bill" to Medicare. When that is rejected, then you can appeal and get a shot at overturning the decision..This week, one new cosponsor Rep. Adam Smith signed on to the Social Security 2100 Act, bringing the total up to 16The bill, which was introduced just over a month ago, has more support in Congress than any other comprehensive Social Security reform bill to date.."At the time of enactment, The Congressional Quarterly referred to this revenue change as 'taxing the benefits of high-income recipients'" says Johnson, citing the publication's summaries of major Social Security changes from 1983-198Social Security's archives state that "Congress intended that the taxation of benefits should not affect 'lower income' individuals." The revenues from the tax on Social Security benefits are credited to the Social Security and Medicare trust funds and provide a growing share of the programs' financing..Their platform's Social Security plan closes by saying, "Our plan contrasts starkly with Donald Trump. He has referred to Social Security as a 'Ponzi scheme' and has called for privatizing it as well as increasing the retirement age.".The bill would provide seniors with vision benefits in 2022, hearing benefits in 2023 and some dental benefits by 202Progressives are pushing for an earlier start to the dental benefits and that the government increase its share of the cost, which ramps up to 50% by 2032..Supreme Court Rules on Immigration Orders.Refinancing a mortgage in retirement is a "special needs" situation. TSCL highly recommends that this should be discussed with an unbiased financial advisor..How would the healthcare replacement legislation in Congress affect homecare and long-term care services covered by Medicaid? My 44-year old son was born with cerebral palsy and is homebound. He receives both Medicare and Medicaid. My mom, age 93, also lives with me. My husband and I still work. We are in our 60s..But not all beneficiaries are protected by the hold harmless provision. The provision covers about three-quarters of beneficiaries who would not see any change in their basic Part B premiums in 2010, according to the Actuary for the Centers for Medicare and Medicaid Services. But one quarter of beneficiaries would face reductions to their monthly Social Security checks as money is deducted to cover the increased Part B premium costs. And although the "hold harmless" provision provides protection from the rising Part B premiums, that provision of law does not apply at all to Part D drug coverage or Part C Medicare Advantage plan premiums. If a person's Part D or Medicare Advantage plan premium goes up, he or she would have less Social Security to live on in 20An emergency COLA, however would offset those costs and prevent those reductions.

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Open enrollment for the exchanges begins October 1, 2013 for coverage starting January 1, 201To learn more, visit the new website. To get an idea about whether you qualify for a government subsidy visit the Kaiser Family Foundation's Subsidy Calculator..Late last week, lawmakers in the House passed a budget resolution that lays the groundwork for a repeal of the ACA. Now that both chambers of Congress have adopted the resolution, four committees the House Energy and Commerce Committee, the House Ways and Means Committee, the Senate Finance Committee, and the Senate HELP Committee will begin drafting legislation to repeal the health care law..The average Social Security benefit today is only ,240 a month. That's only 25% above the federal poverty level. More than one -third of all recipients depend on Social Security for 90% of their retirement income. … Continued

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TSCL Meets With High-Ranking Senate Leader.Refinance and renovate. If you find your current mortgage payment is too high, refinancing to get either a lower monthly payment or to take cash out may be an option. Before you refinance, have a long–term repayment plan, a budget, and you may want to discuss your needs with an independent financial advisor. If you are refinancing to renovate an older home, think long and hard about how much longer you plan to stay in your home, and how well your current housing will serve you as your health changes. Get bids from contractors, and be sure to include costs for new appliances, carpets, and fixtures. Will you have sufficient income and savings to cover a mortgage payment and still have money for repairs and maintenance ten or twenty years from now? Can you recover your renovation investment if you have to move and sell sooner than you planned? Take time to shop and carefully compare terms on loans - don't be hurried into making a decision. Loan officers always push you to "lock in a rate." Always ask for a "good faith" estimate and an estimate of the closing costs..Should I Drop Medigap For Medicare Advantage? … Continued

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