According to TSCL's 2017 Senior Survey, 8% of survey respondents said that their benefits have been withheld by Social Security due to excess earnings. Unless you have a terminal illness and are not expected to live very long, we strongly recommend that you consider delaying the start of your Social Security benefit until you are 66 or older when you will be eligible for the full, unreduced amount. To get the maximum, consider working until age 70 if you can. Your benefit will grow by 8% per year if you do..Outdoor improvements. First impressions are important to getting buyers through the door. The grounds and exterior of your home need to be in good condition including the siding, landscaping and any wooden deck or patio area. Resurface cracked driveways or sidewalks..The Joint Committee of Taxation estimates this option would increase revenues, in other words, raise your taxes, by 1 billion from 2019 through 202The increase would be even greater after the temporary provisions of the 2017 tax legislation, that lowered rates and increased the standard deduction, expire at the end of 2025..We will all know if they were able to reach and agreement and get their job done by the end of this coming Friday. However, President Trump's position on this is not clear. While Treasury Secretary Mnuchin has been in on the discussions of the legislation the President has not said where he stands..This week, lawmakers in the Senate voted on three health reform bills that would have repealed and replaced parts of the ACA if enacted. All three of the bills the Better Care Reconciliation Act, the Obamacare Repeal and Reconciliation Act, and the Health Care Freedom Act better known as the "skinny repeal" bill failed to win passage on the Senate floor..Never allow anyone into your home to check electrical wiring, natural gas pipes or appliances unless you have scheduled an appointment or have reported a utility problem. Also, ask utility employees for proper identification..As we've reported in the past, the Democrats have the narrowest of majorities in both the House and the Senate. They can't afford to lose any Democratic votes in the Senate and only 3 in the House. That's crucial because Republicans in both Houses are almost unanimously opposed to the legislation Democrats want to pass, so Democrats have to do it on their own.."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..Here are tips to help you maintain your oral health without depleting your budget:

Racial Equity And Health Policy Fact Sheet Public Charge Policies For Immigrants Implications For Health Coverage

This is a tough decision, for which you need independent advice from someone other than the marketing agent of a MA plan. TSCL strongly recommends that you contact your area agency on aging or senior services department and ask for one-on-one counseling available through your State Health Insurance Assistance Program. The service is available at no charge..How the Categories Compare Between the CPI-W and the CPI-E.This week, action on Capitol Hill slowed down as the House of Representatives adjourned for a holiday recess, and the Senate focused on legislation to reauthorize programs within the FDA. Meanwhile, TSCL expressed support for a new House resolution, introduced by Rep. Scott Rigell. … Continued

Labor And Employment Labor Workers Future Magazine2020

TSCL's annual Senior Survey asks how much you spend per month on all healthcare costs. Participants are asked to include not only premiums for Medicare Part B, and Part D as well as out of pocket costs for each, but also premiums for Medigap or Medicare Advantage plans, as well as all out-of-pocket spending on doctor visits and services, as well as dental and optical exams, glasses and hearing aids..If Congress fails to prevent a default on the federal debt, older Americans will be impacted in two major ways. First, Social Security benefits would be delayed, and millions of seniors living on fixed incomes would suffer financially. Second, health plans that cover Medicare beneficiaries and providers who treat Medicare patients would likely see postponements in their reimbursements from the federal government. Access to quality medical care could become more difficult for older Americans if that occurs..What are budget cutters looking at? Here are a few key proposals under discussion. After reviewing these, tell us what you think by taking our survey. … Continued

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