Patients would have to sign a consent form acknowledging they've been given written notice with the information and informed that the charges may not accrue toward any plan limitations..List prices increased by an average 4.6% in January, which is the largest amount in years. Most list price increases end up trickling down to patients in the form of higher cash and net prices, which is especially important for those who have high deductibles and the uninsured..In fact, according to research by The Senior Citizens League, homeowner's insurance has grown 199 percent since 2000, making it one of the fastest growing costs that retirees face, second only to prescription drug costs. Joe reports that his homeowners and car insurance have increased every renewal period over the past two years. His homeowner's premiums rose from ,284 a year to ,566, an increase of 22 percent. Joe's auto insurance premiums increased 0 over the last four renewal periods, which are every six months, despite no tickets or accidents. Government subsidized FEMA flood insurance this year increased 7.4%..Complicating matters, even though the Social Security retirement and survivors trust fund still holds IOUs that at least provide the promise to pay benefits, the Social Security disability program is in much more critical condition. The Social Security Trustees recently warned that the SSDI program may run out of IOU "assets" and become fully insolvent as early as 201TSCL believes that estimate is overly optimistic because the Trustees may be assuming there are more payroll taxes than the program is actually taking in. The Trustees assume that unemployment will be only 6.5% over the next few years - but today it's actually far higher - 9.6%. Advisor editor and Social Security policy analyst Mary Johnson estimates that the insolvency date for the Social Security Disability Insurance program could arrive as early as 2013..Get the provider's name and any identifying number. If the agent asks "Who am I speaking with?" answer with your own question. First ask the caller for the name of their company and the phone number, "in case you get cut off." You can give a first name but avoid giving out any actual personal information like your Social Security or Medicare number, full name, date of birth and address..New legislation before the House and Senate would repeal the Windfall Elimination Provision and the Government Pension Offset so that public servants receive the Social Security benefits they have earned and deserve. Will you cosponsor the Social Security Fairness Act when you return to Washington?.To learn more about what you may itemize and how much you can deduct, visit and download instructions for Schedule A Form 1040 Itemized Deductions..TSCL will be letting Congressional leaders know of our opposition to a payroll tax cut and we will continue to advocate both in opposition to any payroll tax cut, and also for a fairer and more accurate way of calculating what the COLA should be each year..Does TSCL.Notch Bulletin: How Much Less Do Notch Babies Receive? Recently one of our readers asked “Is there a percentage as to how much less NOTCH BABIES receive monthly?” Although not many studies exist, according to one study of average earners born from 1917 through 1926, the disparity in benefits with other retirees seems to average about 26%.

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When you get surgery it's often difficult to know the costs in advance. Medicare covers anesthesia provided for medically necessary inpatient or outpatient surgical procedures. But it's important to understand how services like anesthesia work because they are often billed and paid separately, and administered by specific providers who may not be affiliated with your in-network hospital or doctor's practice. In addition, billing errors frequently occur, and bills often need to be corrected and re-submitted for reimbursement. Here are some steps to take to make sure all your bills get paid..legit loan companies for bad credit.In 2010, to generate support from wary seniors, proponents of healthcare reform widely touted new Medicare benefits under healthcare reform with mailings and even an ad campaign featuring Andy Griffith of Mayberry R.F.D. But virtually nothing about the controversial changes - like determining Part D premiums based on income - ever made it into the media, let alone Andy's scripts. … Continued

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About 4 million people who turn age 61 this year are in for a deep hit to their Social Security benefits when they retire. The initial retirement benefits of these individuals may be permanently reduced by about 9.1%, according to an estimate by Social Security's Chief Actuary. Without quick remedial action from Congress, the retirement benefits of people born in 1960 would be lower than the benefits of people with identical earnings and retirement histories who were born just one year prior to them. This is due to a flaw in the Social Security benefit formula..Under current law there are two sets of rules for payment of Social Security benefits to immigrants who worked illegally, depending solely on the date in which the individual was assigned their Social Security number by SSA..This week, lawmakers continued working on an omnibus spending bill, and The Senior Citizens League endorsed new legislation that would give Social Security beneficiaries an emergency cost-of-living adjustment next year. … Continued

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