Use Retirement Savings or Start Social Security Early to Cover Large Medical Expenses?."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..Also this week, one new cosponsor in the Senate signed on to Sen. John Kerry's Social Security Fairness Act, bringing the total up to eighteen. The new cosponsor is Sen. Debbie Stabenow..The Super Committee failed to come to agreement last week, resulting in a mandated sequestration of cuts in defense and domestic spending. The sequester was intended to urge lawmakers on the committee to come to an agreement, however the stalemate will result in automatic 1.2 trillion dollar budget cuts over the next decade..For roughly 10 million older Americans who have been retired since 2000, the buying power of their Social Security benefits only 'improved' by a meager 1 percent, from a loss of 34 percent over the period 2000 to 2018 to a loss of 33 percent from 2000- 201The loss occurred even though beneficiaries received a 2.8 percent annual cost - of - living adjustment for 2019..We are pleased and grateful that Rep. Grace Meng has once again introduced legislation, H.R. 3839, to remedy this situation. It would allow workers who reach age 65 after 1981 and before 1992 to choose either lump sum payments over four years totaling ,000 or an improved benefit computation formula under a new 10-year rule governing the transition to the changes in benefit computation rules enacted in the Social Security Amendments of 1977..The CPI-E tends to grow about 0.25 percentage point more quickly than the CPI-W on average, but there can be wide differences between the two. For example, if the CPI-E were used to calculate the COLA it would be 1.2% in 2020, vs. 0.5% based on CPI-W data through March 201We had similar situation in 2016 and 2017 when the COLA was zero and 0.3%, respectively. The CPI-E would have yielded 0.6% instead of zero, and 1.5% instead of 0.3%. Those are not big differences, but like interest, compound over time. For anyone depending on Social Security for half of their income or more, every dollar makes a difference - and adding up over time may be enough to buy an extra week's worth of groceries..This week, lawmakers in the House and Senate remained in their home states and districts for the week-long holiday recess..Check the insurer's financial strength. Since you may have your

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Uncertain: 17%.With Medicare and other insurers scrambling to control costs, "observation stays" in the hospital have become a loophole that could leave you footing the bill for thousands in uncovered costs. Your hospital status - whether you are an inpatient or an outpatient - makes a huge difference in how much you will have to pay for hospital services like X-rays, drugs and lab tests. But figuring out whether you are an inpatient or outpatient, believe it or not, isn't always clear..This year's study finds that Social Security benefits have lost 30 percent of buying power since the year 2000. This represents a 3-percentage point improvement in Social Security buying power from our 2019 study, which found a loss of 33 percent since 2000. While lower prices are good news in the short term, the deflationary trend suggests a very low COLA in 2021. … Continued

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If a day of age-activated adult deficit disorder sounds a little too familiar and you wish you really didn't have them so frequently, here are five things that can improve attention, memory, and age - proof your brain..Under current law, the Medicare program excludes coverage of most routine and emergency dental care, leaving around 70 percent of seniors without comprehensive dental insurance coverage. Will you support the Medicare Dental Benefit Act to ensure that seniors have access to essential health care?.In a controversial political maneuver, Members of the House passed a bill on Friday that would keep federal agencies funded through December 15th, but withdraw spending for the implementation of the Affordable Care Act. The bill is now in the hands of the Senate, where leaders will likely attempt to strip it of the language that defunds the health care law. When asked how he plans to move forward with the House bill, Senate Majority Leader Harry Reid said: "Any bill that defunds Obamacare is dead. It's a waste of time." The bill has also received numerous veto threats from the White House. … Continued

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