Seniors like your husband who are 65 and older, and enrolled in Medicare, are not affected by the new health insurance coverage requirements that become effective January 1, 201But big changes are coming to health insurance coverage for about 62 million seniors age 50 through 64 who are not yet enrolled in Medicare..problems with her new blood pressure medication. It was one of the most common.According to Congressional Quarterly, appropriators will begin conference negotiations to reconcile their fiscal 2015 bills this summer, leaving plenty of time before the mid-term elections and the October 1st start of the fiscal year. In the meantime, TSCL will continue to keep a close eye on the Labor-HHS-Education measure, since significant funding decreases could negatively impact the Social Security and Medicare programs..That doesn't mean that a budget agreement is completely out of the question or the much more unlikely scenario that Congress won't get paid. The No Budget No Pay Act holds Congressional paychecks in escrow, and, by law, will release the funds either when a budget agreement is reached, or on the last day of the 113th Congress, which ends on December 31, 2014..If you meet all of these qualifications, you are eligible for a benefit as a divorced spouse that is equal to one-half of what your ex-spouse would receive at his full retirement age. For example, if he qualifies for a monthly benefit of ,000 at age 66, then you would qualify for ,000 per month at your full retirement age, also 6Your spouse may currently be younger than full retirement age, but his full retirement age year is simply used to determine what you would be entitled to. However, even if you qualify to do so, if you claim now, your benefit at 64 would be just 41.7% of your ex's benefit. It will be reduced because you are under your full retirement age..Well, to our surprise, it was announced last Friday that House and Senate committee leaders have struck a deal on a bipartisan fix for the problem..TSCL is fighting the plan to chain down COLAs. Indeed, seniors need a COLA that more adequately protects the buying power of Social Security, and TSCL supports H.R. 776, the Guaranteed 3% COLA Act, introduced by Representative Eliot Engel..A second strategy that was changed permitted married couples who reached full retirement age to file a "restricted application" which allowed individuals to collect only a spousal benefit, while their own benefits continued to increase. Unlike file and suspend, this change applies to people younger than age 62 by the end of 2015, so you still can take advantage of some planning to maximize what you get..Making matters worse, many who are impacted by the WEP and GPO are unaware of their existence until they file for benefits and retire. Chairman Johnson said on Tuesday, "The Social Security statement that is required by law shows them … the amount of Social Security benefits they would receive if the WEP and GPO didn't exist. These workers, just like every other American, have a right to know what their Social Security benefits will be so they can best prepare for their retirements."

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More people than ever face a lower standard of living in retirement, according to a growing number of troubling new studies. There are several reasons why this is occurring:.The twenty-nine member budget conference seemed to reach a standstill this week. Three weeks remain before the official December 13th deadline, but House and Senate appropriators requested a top-line spending number before November 22nd the start of the week-long Thanksgiving recess and the conferees failed to deliver.."People who have been receiving benefits for 12 years or longer have experienced an unprecedented series of extremely low cost-of-living adjustments," says Mary Johnson, a Social Security policy analyst for The Senior Citizens League. What's more those inflation adjustments do not account for rapidly rising Medicare Part B premiums that are increasing several times faster than the COLA. The situation is causing those with the lower Social Security benefits to see little growth in their net Social Security income after deduction of the Part B premium. … Continued

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Now, as we draw close to the end of the year, the window for Congress to take major action to lower prescription drug prices is beginning to close. Concern is growing that the prospects of a substantial drug price reduction bill may get lost in the politics surrounding the 2020 election. Legislation that would allow Medicare to negotiate the cost of prescription drugs is in the House, and a bipartisan bill that would cap out-of-pocket Part D costs at ,100 a year is stalled in the Senate. The whole effort is fiercely being fought by the pharmaceutical industry, and the outcome remains unclear..Members named to Congressional Conference Committee.This estimate is still just that - an estimate. The 2020 COLA is based on CPI data through September 2019 and won't be announced until October. Inflation could start going up again, but with the first five months of data so low, we are likely to see another low COLA in 2020. … Continued

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