This week, The Senior Citizens League was pleased to see support grow for two key bills..The coronavirus has caused a dramatic decline in home mortgage rates, but that doesn't necessarily mean it's a good time for everyone to refinance. The good news is that, in many areas of the country, lenders and states are making the process safer for your physical health. That said, refinancing in retirement is still a process that carries risk to your fiscal health..May 2007.The 2010 health law, which was vague on many other details, specifically states that enrollees can receive subsidies when purchasing health insurance on an exchange "established by the state." Some 34 states, however, don't operate their own insurance exchanges, and uninsured people living in those states must go through the federal online exchange, in order to receive subsidized coverage.."We write to express our concern and alarm about the dramatic increase in problems with mail delivery that are being experienced by constituents across Maryland. Based on the reports and information we have received; these delays appear to be the result of delayed processing times and staff shortages..Changes are looming for Medicare and Social Security. Make your opinion count. Take the monthly poll on TSCL's homepage. We'll announce the results in upcoming issues of this newsletter..In 2015, the monthly Medicare Part B premium for people with incomes less than ,000 was 4.90. When the Social Security Administration announced that there would be no COLA in 2016, Barbara - like 70 percent of all other Social Security recipients - was protected from reductions in her Social Security benefits by a provision of law known as "hold harmless." Barbara's Medicare Part B premium stayed the same, at 4.90, even though Medicare Part B premiums that year rose to 1.80 for people like new enrollees who were not protected by hold harmless..But should President Trump win a second term there will be pressure on him from members of his own party and some of his long-time supporters to violate his pledge to protect Social Security and Medicare when he ran for President the first time..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.

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Preliminary Analysis of the Rivlin-Ryan Health Care Proposal, Congressional Budget Office, November 17, 2010..When it comes to strengthening Social Security's finances, Members of Congress only have two choices - to cut spending on benefits, or increase program revenues. Typically in the past, the focus has been on proposals that would cut benefits rather than raising revenues. Proponents of cuts argue that benefits must be cut because Social Security is insolvent as currently structured. They point to the fact that there are fewer workers to provide payroll tax revenues for swelling number of retirees..The big dental expense is when you need more extensive work like crowns or root canals. Yet dental insurance often comes with waiting periods and won't cover fillings for the first six months of a policy and may not offer coverage for other procedures for up to 18 months. Many plans also have very low annual caps on care of ,000, meaning that once your dental bills exceed that amount you pay the rest of the bills in full. … Continued

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Rep. Rodney Davis.There are other reasons why your dad might have received that bill. While Medicare Advantage enrollees would not have to pay cost sharing due to COVID-19, they might if hospitalized due to other reasons, such as heart attack or kidney failure. You may need to call your dad's health plan and find out how the reason for hospitalization is described on the bill..Washington, DC) An eye - popping new list compiled by The Senior Citizens League indicates that, by late 2020, price increases for many of the expenditures of older Americans far outstripped the modest 1.3 percent cost of living adjustment boost that Social Security recipients start receiving this month. "This list is a snapshot of how COVID-19 affected prices of certain items through the end of November 2020," says Mary Johnson, a Social Security policy analyst for The Senior Citizens League. "There are surprising price aberrations that we haven't seen before," Johnson says. "Never in my wildest dreams would I have thought that toilet paper and disinfecting wipes could wind up on our annual list of fastest growing retiree costs," Johnson says. … Continued

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