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New Co-Sponsors Added to Key Bills.To help your brother, you may need to get qualified legal advice. Lending and consumer protection laws vary by state. Here are six common signs of predatory lending:.Always think safety first. Do not give in to high pressure tactics over the phone for information, or in person to get into your home.Senator Mitt Romney recently led a bipartisan Senate group in introducing legislation aimed at fixing Social Security and Medicare's funding shortfalls. If nothing changes, the programs' trust funds are expected to become insolvent in 15 years. If that should occur, benefits would be reduced by about 22 percent in order to match the amount of payroll taxes coming in..In the final days of the holiday recess, many Members of Congress will be holding town hall meetings and attending local events in their home states and districts. The Senior Citizens League encourages its members and supporters to attend these events and to ask important questions about the BCRA and its potential impact on older Americans, like the following two….Since the Social Security Administration announced the 2013 benefit boost last fall, fuel, food and healthcare costs have steadily climbed. U.S. households that heat with oil are expected to pay nearly 20 percent more this winter compared to last year. Homes that rely on oil heat will pay an average of 7 more this winter according to the U.S. Energy Information Administration..The adjuvanted flu vaccine is made with MF59 adjuvant, an additive that can create a stronger immune response to vaccination. In a recent review of multiple vaccine trials, older adults who received a MF59-adjuvated vaccine had a significantly higher immune response than those who received a standard flu vaccine, The adjuvanted vaccine was available for the first time in the United States during the 2016-2017 flu season. Learn more about adjuvanted flu vaccine here..People 65 years and older should get a flu shot, not a nasal spray vaccine. They can get any flu vaccine approved for use in their age group with no preference for any one vaccine over another. There are regular flu shots that are approved for use in people 65 years and older and there also are two vaccines designed specifically for this group:.The report also states that "House leaders have said they're committed to moving forward on H.R. 3, citing polls showing strong bipartisan support for empowering Medicare to negotiate drug prices. House Democratic leaders still see the infrastructure package as their best chance of passing major drug reforms, despite concerns raised by the moderate members, a senior aide said.

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An intense battle over Social Security is brewing and TSCL is gearing up for major Congressional action. Recently retired Federal Reserve Chairman Alan Greenspan waded back into the fray to tell Congress "Our choices right now are not between good and better; they're between bad and worse. The problem we now face is the most extraordinary financial crisis that I have ever seen or read about. Irrespective of what you say should be done on the tax side, you still have to cut some benefits on the expenditure side." The statement is chilling considering Greenspan oversaw the largest single overhaul of the program in history, chairing the National Commission on Social Security Reform in the early 1980's.."Under current Social Security law, that is all that's required to later claim benefits," Hyland explains. "To file a claim, individuals must have a work-authorized Social Security number, and would become vested for benefits with ten years of earnings," Hyland says. "The oldest of those who are eligible for the deferred action could feasibly have worked illegally long enough to already be vested for Social Security - even for disability benefits," Hyland notes. This would add to the program's solvency problems since the Congressional Budget Office and Social Security Trustees have estimated that the Social Security disability trust fund will be fully insolvent by 2016..The Senior Citizens League opposes the plan that was advanced by the Budget Committee this week since it would lead to increased costs for Medicare and Medicaid beneficiaries, and it would cut benefits for Social Security recipients. Instead, we support legislation like the Social Security 2100 Act and the Improving Access to Affordable Prescription Drugs Act, which would strengthen and reform the Social Security and Medicare programs responsibly, without cutting benefits for current or future retirees. … Continued

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It is possible there could also be another emergency spending bill or, as we reported above, even a full-blown stimulus to try and keep the economy going..Plan your withdrawals to boost your Social Security benefits. While you want to allow your retirement savings to grow tax-deferred as long as you can, withdrawing money from an IRA earlier is sometimes to your advantage. Doing so may help you delay starting Social Security benefits, allowing your benefits to grow 8% for every year you wait after attaining age 66 and until age 70..Most Americans contribute 6.2 percent of every paycheck to Social Security, but due to the payroll tax cap, people earning more than 8,400 contribute nothing over that amount. Eliminating the payroll tax cap would extend the solvency of the program responsibly, without cutting benefits for seniors. Do you agree? … Continued