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How does divorce affect my Social Security benefits? I'm turning 6My ex - husband had much higher earnings than I did. His benefit is likely to be much higher than mine. He has remarried and is not retired yet. Would it advantageous for me to take a divorced spouse benefit based on his earnings, or better to wait for my own retirement benefit?.In years when there has been no, or almost no cost-of-living adjustment, Medicare Part B premiums have spiked significantly. TSCL is highly concerned that another Medicare Part B premium spike could.Benefit Bulletin: June 2020 Medicare Premiums Could Spike Due to Coronavirus.Coming Months Could be the Roughest Yet.Pay off an existing mortgage. When you make additional principal payments on an outstanding mortgage balance, the lower balance will save you interest expense. If you have an amortized fixed-rate mortgage, the monthly amount of the payment doesn't change. With the additional principal payments the loan balance declines and more of your monthly payment goes toward the repayment of principal. You will repay the loan faster than the stated loan term on your contract. You can find mortgage calculators online, to help you determine how extra principal payments reduce your mortgage interest expense and the remaining loan term. When considering pre-paying your mortgage, consider the rates of return. If you were to save the extra cash in a savings account or CD, your rate of return currently is quite low and prepaying your mortgage may give you a better return based on the interest rate of your loan. Financial advisors, however, generally recommend that you pay off your mortgage out of income, and not cash from your retirement accounts. Your retirement accounts provide you with a savings cushion, that most seniors will need later in retirement, and they are protected from creditors.."Implications Of Different Indexing Choices," Government Accountability Office, September 2006, GAO-06-804, pg. 5"GAO's Analysis of the Notch Issue," GAO, September 16, 1994, GAO/T-HEHS-94-236..In the meantime, leaders in Congress are working on a plan to fund the federal government past January 19th. In a joint statement released on Wednesday, Senate Majority Leader Mitch McConnell and Speaker of the House Paul Ryan said: "It is important that we achieve a two-year agreement that funds our troops and provides for our national security and other critical functions of the federal government.".Because food and fuel prices are highly volatile - subject to international crisis, wars, and disasters - Wall Street economists often exclude those costs in news reports in order to give the business community a better idea about the status of "core inflation." If less volatile items remain relatively unchanged, that tends to indicate that inflation remains stable, despite spikes in oil or food prices - a reassurance to the markets..This week, lawmakers in the Senate held several failed votes on bills that would have repealed and replaced parts of the Affordable Care Act. In addition, two key bills that would improve Social Security benefits gained support in the House..The Social Security COLA was created to protect the purchasing power of Social Security benefits received by older and disabled Americans, but the results of this new study show that seniors are failing to keep up with rising costs. In recent years, inflation and COLAs have been at record low levels, averaging just 1.2 percent per year since 20In 2018, Social Security beneficiaries received a COLA of 2 percent, yet most saw no increase at all in their net benefits due to substantially higher Medicare Part B premiums.

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To fix this, I've introduced the FAIR Generics Act, which would stop pay-for-delay deals once and for all. Doing so would make high-quality, lower-priced generic prescription medications available to patients sooner, thus lowering prescription drug prices in numerous cases..Second, one new cosponsor Senator Debbie Stabenow signed on to the bipartisan Beneficiary Enrollment Notification and Eligibility Simplification Act, bringing the cosponsor total up to three. If adopted, S. 1909 would simplify and modernize the complex Medicare enrollment process..I have been investigating the skyrocketing prices of prescription drugs for some time. During my investigation, I have been contacted by a huge range of people - patients, doctors, hospitals, and other healthcare providers - all warning about massive price increases of certain medications. They gave me example, after example, of drug prices that have been jacked up repeatedly - with no apparent justification, and with no evident link to any increases in the costs of manufacturing these drugs. … Continued

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Even though the rate of inflation is dropping, a proposal that would switch to a more slowly-growing CPI to calculate COLA continues to be pushed by proponents on both sides. The Congressional Budget Office has estimated that the "chained" CPI would reduce the federal budget deficit by more than 0 billion in the first ten years. It would do so by cutting the growth in a host of federal benefit programs, including military retirement in addition to Social Security, as well as increasing revenues if used to index the tax code..When there is no or a very low COLA, a special provision of law known as "hold harmless" protects beneficiaries when the dollar amount of their COLA is lower than the dollar amount of their Part B increase. The Part B premium is adjusted to prevent a reduction in Social Security benefits from one year to the next. "But when this provision occurs on a program-wide basis - as it did in 2016 and 2017, the entire increase in Medicare Part B for the year is shifted to the people who are not protected by hold harmless, Johnson notes. Instead of the Part B increase being spread over all Medicare beneficiaries, the total cost increase is borne by only 30 percent of Medicare beneficiaries who are not protected by the hold harmless provisions. They include:.Dining On A Social Security Budget … Continued