Health experts caution explicitly against using cleaning products in those ways..It's always heartbreaking to hear firsthand about how fraudsters and scammers have gone after your hard-earned savings. No senior should ever have to worry that picking up the phone could mean being scammed out of thousands of dollars.."That simply isn't the case," says TSCL Chairman, Larry Hyland. TSCL conducts an annual survey of typical senior costs. "That data indicates that Social Security benefits have lost more than one-third of their buying power since 2000," Hyland says. "Changes that cut COLAs even further would make it that much harder for seniors and disabled beneficiaries to afford rising Medicare, energy, and other costs," he notes..Last week President Trump announced he will once again ask Congress to pass more economic stimulus legislation that he insists must include a payroll tax cut. In other words, he wants to cut the amount of money that is paid into Social Security and Medicare by today's workers the money that funds the checks sent out to those who receive payments and pays for the health care of seniors each month..Next week on January 24th the Senate Finance Committee will be holding a formal confirmation hearing to question Congressman Price. TSCL will be monitoring discussions about the ACA and the future of the Medicare program, and we will post a summary of the hearing here in the Legislation News section of our website..Another concern about congressional inaction on the debt ceiling is the potential for cuts to programs like Social Security, Medicare, and Medicaid. In recent debates, Social Security benefits have been used as a bargaining chip and have been held hostage to the debt limit increase. Some retirees have felt the sting of unexpected benefit cuts. In 2015, following the passage of the Bipartisan Budget Act, millions of seniors, already eligible for Social Security benefits, learned that an important claiming method called "file and suspend" a particularly important protection for women who tend to have lower benefits than men would no longer be an option to them..Another major hurdle was about how to classify .5 billion in veterans' health spending through the VA Mission Act - legislation that Trump himself has championed. The chairmen/women of the Congressional committees that deal with government funding originally agreed to classify that money as "emergency spending" because then it would not violate the overall spending limits Congress has previously agreed to..Customers are asked to provide their Social Security numbers or other personal identifying information in exchange for a bank routing number that will allegedly pay their utility bills. In reality, there is no money, and customers believe they have paid their bills when in fact they have not..Do you suspect someone of committing disability fraud? Learn how to report fraud online at the Social Security Administration's Office of the Inspector General or call or write the Fraud Hotline.

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I'm 62 and my wife is 60. Last year she and I signed up for a new health plan on the federal health exchange. We qualified for lower premiums, but we still have trouble paying for all the out-of-pocket costs, because of the high deductibles. Now it's time to start all over. We're wondering if we should let our current plan automatically renew, or if we need to go through the hassle of shopping for new plans all over again..President Barak Obama included a proposal in his fiscal year 2014 budget that would have reduced Social Security benefits by using the more slowly-growing chained consumer price index to calculate the Social Security cost-of-living adjustment. An estimate produced for TSCL projects that "chaining the COLA" would cut Social Security benefits by about 9% over a 30-year retirement. Although the proposal has been under discussion for several years, it has not passed, primarily due to fierce resistance from older voters..Open Enrollment on the new health exchanges starts November 15 and will run for about one month. But even after a year of technical problems and significant repair efforts, the Government Accountability Office recently warned Congress that the federal exchange may continue to have more enrollment problems. Nevertheless, due to the high cost of insurance and potential tax repercussions, TSCL recommends that you start early and be persistent about finding your best plan. … Continued

Medicare State Indicator Total Enrollment By Plan Type

"At the time of enactment, The Congressional Quarterly referred to this revenue change as 'taxing the benefits of high-income recipients'" says Johnson, citing the publication's summaries of major Social Security changes from 1983-198Social Security's archives state that "Congress intended that the taxation of benefits should not affect 'lower income' individuals." The revenues from the tax on Social Security benefits are credited to the Social Security and Medicare trust funds and provide a growing share of the programs' financing..Let me be clear: I value genuine research and development, I believe drug companies should be able to make reasonable profits, and I understand that investors expect reasonable returns. I also believe, however, that it is Congress' job to ensure that Americans do not have to live with the fear that they will go bankrupt if they get sick. That is why I introduced the Prescription Drug Affordability Act of 2015 with Senator Bernie Sanders last year. This bill is a bold and comprehensive approach to reducing prescription drug prices in the United States. It empowers the Secretary of Health and Human Services to negotiate drug prices under the Medicare Part D prescription drug program; it enhances transparency, encourages competition, and brings much needed accountability to the pharmaceutical industry..If Congress could not reach an agreement to borrow money, Social Security and Medicare benefits would be cut when payroll tax revenues run out as they inevitably would. … Continued

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