At my urging, she returned to her doctor and was given a new brand prescription.Rep. Matt Cartwright represents Pennsylvania's 17th Congressional District, which includes Schuylkill County and portions of Carbon, Lackawanna, Luzerne, Monroe, and Northampton Counties. Cartwright serves on the House Committee on Natural Resources and the House Committee on Oversight and Government Reform..A question to ask yourself is how long you plan to stay in the home, and how many years remain on your current mortgage. If your current mortgage only has 10 or 15 years left to go, refinancing is likely to result in higher lifetime interest costs. When you get a new loan, most of the charges in the early years go towards interest costs. But if you only have a few years left on your current loan, you have moved past that stage and are making progress toward paying off your loan balance. If you refinance now, you start over from scratch..What can you do? Share this story. If you or someone you know was born in 1960, contact your Members of Congress! Let your Representative and Senators know that you are concerned about the permanent 9% cut that would affect the retirement benefits of everyone born in 1960. We can make Social Security more equitable, but it takes working together to make that happen..With Medicare Part B premiums growing several times faster than COLAs, premiums routinely offset a significant portion of the annual inflation boost. This, in turn, causes retired households to draw down savings more rapidly than planned, and many retired households to carry growing amounts of debt. Lower income households may go without adequate food, medically necessary health services, and to postpone filling prescriptions..Call your drug plan to ask about the coverage of the new generic and the expected co-pay. Be forewarned: according to Consumer Reports magazine, some Medicare drug plans charge lower co-payments for the branded version than for its generic counterpart. That has to do with agreements between insurers and pharmaceutical companies that make it seem like the name brand is the better deal..Congress recently ended two Social Security claiming strategies that helped couples maximize their retirement income. The strategies being eliminated allowed individuals to claim a spousal benefit while their own retirement benefits continued to grow. The "file and suspend" option is no longer available for people who will be younger than age 66 on April 30, 201Those older than age 66 on that date are grandfathered in and still able to use the claiming strategy. If you and your husband won't be 66 until later in the year, your husband would not be able to file and suspend as planned..In April, House lawmakers voted on a balanced budget amendment to the constitution that would have been disastrous for Social Security and Medicare beneficiaries if adopted. Did you support this drastic measure, and if so, why?.[ii] Ibid.

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On Thursday, the Supreme Court announced its 4-4 decision on a challenge to President Obama's immigration orders, which were released back in 2014 with the intent of halting the deportations of nearly 5 million undocumented immigrants. The split decision means the lower court's ruling is left in place, and the executive orders will not take effect..Take The TSCL Senior Survey!.While about 70% of Medicare beneficiaries will see no Medicare Part B increase in premiums this year, the legislation reduced monthly Part B premiums for the 30% of beneficiaries who faced the jump of 52%. That group, who are not protected by the Social Security "hold harmless" provision, will pay a base premium of 1.80 per month instead of an estimated 9 this year. Higher income beneficiaries who are not protected by hold harmless pay an additional surcharge on the base premium amount. The legislation also reduced an increase in the Part B deductible from a projected 3 to 6. … Continued

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It's important for people planning retirement to learn the age in which you would "break even" for taking benefits earlier than age 70 - which is helpful in determining your optimal age to retire - and how much more you would get if you worked a few more years..Indeed, the Social Security Administration does not "promise" a specific amount of benefits, but they do not promise to replace a specific percentage of pre-retirement earnings either. Both benefit amounts and "replacement rates" can change at any time if Congress and the Social Security Administration deem it necessary. Prior to the 1977 changes, the replacement rate was not a stable percentage. For people who retired under the 1972-73 flawed formula, replacement rates grew from 39% to a high of 54%. The new benefit formula led to a lower, more stable replacement rate of about 43%, as well as lower benefits..TSCL believes this would help boost benefits and keep older women out of poverty, help them to enjoy better health, and contributing to their communities longer. We support legislative remedies like these and will be working to share our survey results in upcoming meetings with Members of Congress. … Continued

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