Changes in home housekeeping and maintenance. Is there a change in housekeeping and how well your friend maintains her home and yard? Is there clutter piled everyone, and garbage needing to be removed? Does the lawn look weedy and overgrown?.COLAs act much like interest rates on savings. Low COLAs mean Social Security benefits grow more slowly in retirement. This occurs even though many costs experienced by retirees, such out - of - pocket spending on prescription drugs - may grow several times as fast. "People who have been retired for 10 years or longer have absorbed the full financial blow of low COLAs," Johnson says. Johnson's analysis found that, over a ten - year period, average Social Security benefits of ,075 per month in 2009 lost a total of ,258 in financial growth from 2010 to 2019 when compared to the previous decade when COLAs averaged 3 percent. By the end of that 10 year period, average benefits were 3 per month lower than they would have been had inflation averaged the more typical 3 percent..Several times in the hearing, repeal of the Windfall Elimination was mentioned as a priority issue. The Windfall Elimination Provision is simply a recalculation of Social Security benefit for individuals who also have a pension from "non-covered" work. The normal Social Security calculation formula is substituted with a new calculation that usually results in a lower benefit amount. H.R. 141 and S. 521 would repeal this provision..As with Social Security and Medicare long-term viability, reducing the high costs of drugs is also at the top on TSCL's agenda this year. These are complicated problems but Congress must find a way to deal with them and TSCL will be fighting for you as these debates continue..You are age 62 or older;.Does it make sense to allow so many to become entitled based on illegal benefits? Previous estimates by TSCL and other policy groups project that the cost could add hundreds of billions of dollars to a program that is now in deficit..Remember "Flo"? In 1999 she was the blond, perky, mature lady who came onto our TV screens telling us that she was here "to tell seniors about changes that affect our medicines." She would end by saying "I don't want big government in my medicine cabinet." Flo implied that, if Medicare provided a drug benefit for seniors, it would stifle research and development of new life-saving drugs coming to market and restrict access to drugs a patient was already taking..Federal law requires noncitizens who earn income in the U.S. to file tax returns. In order for a person who isn't eligible for an SSN to do this, the Internal Revenue Service provides an Individual Taxpayer Identification Number to facilitate the filing of tax returns. The number looks very similar to an SSN, having nine digits. Although that number does not authorize the number holder to work, undocumented workers use them to get jobs. More than 7.8 million ITINs were issued between 2005 and 20The Social Security Administration itself is another major source of abused numbers. Between 1974 and 2003 the SSA issued 7 million "non-work" SSNs. The cards are clearly printed NOT VALID FOR EMPLOYMENT and they do not authorize noncitizen number holders to work. Audits by the Social Security Inspector General have found these numbers are widely misused by illegal workers..CMS plans to automatically enroll the seniors in participating states with an "opt-out" provision. But TSCL has concerns as to whether beneficiaries will be able to choose the best form of care and how they would be able to switch plans or return to traditional Medicare.

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New Tool For Financially Insecure Seniors: EconomicCheckUp®.We normally try to stay away from items that are covered in the news during the week. There would be no point in sending this out of all we did was repeat what you already know. But this time we have decided we need to talk, at least a little, about the subject that has captured the attention of the major and local news media, and the government this week..TSCL Believes Benefits At Stake … Continued

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Starting benefits prior to full retirement age means you receive benefits over a longer period of time, but the amount you get will be reduced, perhaps significantly. Delaying the start of your benefits until after your full retirement age of 67, until age 70 means a bigger check but paid out over a shorter period of time..TSCL recently released an analysis of the proposal that estimates the chained CPI would cut the growth in average benefits of ,100 today by about ,634 over the course of a 25-year retirement, and that assumes that the economy becomes more stable soon. Nevertheless, the reductions in COLA growth compound over time, and are deepest when seniors are the oldest and sickest. By the time seniors are in their late 80s or 90s, when they are most likely to have chronic health problems, monthly benefits would be about 5 lower using the chained CPI..And drug list prices continue to increase every year. As health insurers and employers pay more, they often pass those costs to consumers in the form of higher premiums, deductibles, and copayments. … Continued

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