Health reform perspective how much political coverage of the health care law is too much

and that doctors who accept new Medicare patients are becoming hard to find..This week, the Social Security and Medicare Boards of Trustees released their highly anticipated annual reports on the financial status of the two programs. In addition, lawmakers remained in their home states and districts to continue the two-week spring recess..Long-term care insurance, however, has its shortcomings. It's.Volunteer and civic opportunities.My estimate is based on CPI data through March 2019 and projected through the third quarter of 2019, the quarter that the Social Security Administration will use to determine the COLA..Pay off an existing mortgage. When you make additional principal payments on an outstanding mortgage balance, the lower balance will save you interest expense. If you have an amortized fixed-rate mortgage, the monthly amount of the payment doesn't change. With the additional principal payments the loan balance declines and more of your monthly payment goes toward the repayment of principal. You will repay the loan faster than the stated loan term on your contract. You can find mortgage calculators online, to help you determine how extra principal payments reduce your mortgage interest expense and the remaining loan term. When considering pre-paying your mortgage, consider the rates of return. If you were to save the extra cash in a savings account or CD, your rate of return currently is quite low and prepaying your mortgage may give you a better return based on the interest rate of your loan. Financial advisors, however, generally recommend that you pay off your mortgage out of income, and not cash from your retirement accounts. Your retirement accounts provide you with a savings cushion, that most seniors will need later in retirement, and they are protected from creditors..Medicare costs are continuing to escalate in 2010, but unless Congress takes immediate action, it's all but certain that seniors won't receive an annual cost-of-living adjustment to help offset the increase next year. The Senior Citizens League strongly endorses new legislation introduced by Representative Walter Jones, H.R. 3557, to provide an emergency COLA increase for 2010..According to the Congressional Research Service, for an age 65 retiree with average wages, a maximum benefit disparity of 10% would have arisen between the highest benefit under the old rules and the lowest benefit under the new rules if the 1977 assumptions had materialized. Under the economic conditions that actually arose, the disparity was 25%-two and one half times greater..We normally try to stay away from items that are covered in the news during the week. There would be no point in sending this out of all we did was repeat what you already know. But this time we have decided we need to talk, at least a little, about the subject that has captured the attention of the major and local news media, and the government this week.

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"Sudden Price Spikes in Decades-Old Prescription Drugs," Testimony of Berna Heyman to the U.S. Senate Special Committee on Aging, April 27, 201"High-Price Drugs Are Increasing Federal Payments For Medicare Part D Catastrophic Coverage," Daniel Levinson, Department of Health and Human Services Office of Inspector General, January 2017..If signed into law, the bill would repeal the Windfall Elimination Provision and the Government Pension Offset two provisions of the Social Security Act that cut the earned benefits of millions of teachers, firefighters, police officers, and other public servants each year. Because these individuals receive pensions from their state or local governments, their monthly Social Security checks are arbitrarily reduced, often by one-half or more..For updates on the drug importation issue, follow TSCL on Twitter or visit the Legislative News section of our website. … Continued

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While that is certainly better than 2010 and 2011 when inflation was so low that no COLA was paid for two years in a row, it's unlikely to cover seniors' real cost increases. Earlier this year we surveyed our readers and 89% reported that the 1.7% COLA in 2013 increased benefits by less than per month. On the other hand, almost the same number, 88%, reported that their total monthly expenses rose by more than Unfortunately the majority of those people, 40%, said that their monthly costs rose by more than 9..My brand name drug is supposed to go generic this year. Will my drug plan cover the generic and if so will I be notified?.They are willing to pay more for Social Security, if necessary, to keep the program strong. … Continued