Mo soberly told me that it has been a grueling experience for "a small-town emergency medical worker" who, before COVID, was used to mainly pushing paper, and just going on only a few calls a week for the "random" auto accident or over-dose. Day after grueling day, Mo and his crew have answered calls to hundreds of homes in my county. And sadly, they are still at it. If you haven't gotten one yet, please consider getting a COVID vaccine! Contact your local health department or doctor..Social Security provides an essential foundation to American's retirement plans, but it simply was never designed to be the sole source of retirement income. Social Security replaces about 40% percent of earnings of the typical retiree. TSCL believes that today's retirement crisis calls for more adequate, not reduced, benefits..Alexandria, VA little-known file maintained by the Social Security Administration suggests that significant long-term costs are associated with immigration reform, according to a new report released today by The Senior Citizens League. The report examines data from the Social Security Earnings Suspense File, which has received 161.7 million suspicious W2s from 1990 through 2011 totaling over trillion in wages. The suspicious W2s have names, Social Security numbers, or both, that don't match the Social Security Administration's records - which occurs when undocumented immigrants use fake or fraudulent Social Security numbers to work..The Senior Citizens League is hopeful that Congress will pass responsible reforms to the Social Security and Medicare programs as soon as possible to strengthen benefits and restore the solvency of the Trust Funds. For more information about legislation that has been endorsed by The Senior Citizens League, visit the Bill Tracking section of our website..Although Medicare has an annual Open Enrollment period, when beneficiaries can compare drug plans and switch to lower costing drug plans, few retirees actually do so. "In most areas of the country, the Medicare beneficiaries have more than two dozen Part D plans to sort through, and the average person just don't know where to begin, or that free, unbiased help is available," Johnson says. "Consequently, Medicare beneficiaries winds up overpaying for prescriptions that could be obtained for a lower cost from a different drug plan.".Need more help? Free one-on-one counseling is available through State Health Insurance Programs. To get contact info for your area visit shiptacenter.org..You may not be able to get your Medigap plan back: Under federal law you are only guaranteed the right to purchase a Medigap plan during your initial enrollment period. If you drop your Medigap plan and later want to get it back you must do so within a year of trying an MA plan. After that, an insurer may deny coverage or impose 6 - month waiting periods for pre-existing conditions..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..Homeowners and renter's insurance: With severe weather-related disasters, homeowner's insurance is one of the top ten fastest rising senior costs. If you haven't done so recently, review your coverage and determine whether it's based on the current value of your home and realistic current replacement costs. Many policies have new deductibles for wind and hurricane damage based on a percentage of your home's value, so take care and look before being tempted to increase deductibles to lower premium costs. Do shop around with other highly rated insurers to see if you can lower your premiums.

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Spousal and/or divorced spouse retirement benefits based on spouse's or former spouse's account..The deduction is especially important to people age 65 and over, since spending on medical expenses increases with age, and healthcare costs can be considerable. About 23 percent of participants in The Senior Citizens League's 2018 Senior Survey said they routinely itemize medical expenses. A recent report from the non-partisan Kaiser Family Foundation says that Medicare households spent on average ,355 in 2016 on healthcare costs that Medicare doesn't cover. That's equivalent to ,700 in 2018 adjusting for inflation..Call your Member of Congress at. … Continued

Patient Education Giving Birth Timing Contractions

"TSCL believes voters need to understand that one of the most likely actions that Congress may take is to 'borrow' or otherwise reallocate payroll taxes originally destined for retirement benefits, to cover disability benefits instead," Cates notes. Congress has taken such action six times in the past to delay exhaustion of the DI trust fund.[ii] Doing so would give Congress more time to fix the system, but the move would worsen retirement program financing more quickly. If implemented, the Social Security Chief Actuary estimates that the retirement fund would only have enough revenues to cover 75% of costs by depletion, at which time retirees would face benefit cuts of 25%. "This raises an important question," Cates notes. "Would today's retirees go for a bailout of the disability system using money that's supposed to be for their own retirement benefits?" Cates asks..With it being such a contentious election year, Congress enacted legislation to limit that jump in Part B which could be made even worse because the COLAs of so many beneficiaries would not be high enough to cover the full amount of the increase..Start by reviewing materials that you receive from your current health plan for prospective changes in premiums, deductibles, co-pays and provider networks. If your income has changed in 2014, report changes to the healthcare exchange in your state or through before the Open Enrollment crunch begins. Watch your local news media for announcements of "healthcare navigator" programs in your area to help you compare plans and enroll. The programs may be offered through your local library, or other community service organizations. … Continued

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