With Mortgage Rates So Low, Is Now a Good Time For Retired Homeowners To Refinance?.Remarks by the President on Comprehensive Immigration Reform in El Paso, Texas, May 10, 201"Senate Democrats Reintroduce Dream Act," Jennifer Steinhauer, The New York Times, May 11, 201"Green Card for a Family Member of a U.S. Citizen," U.S. Citizenship and Immigration Services, as of May 11, 2011..According to the Congressional Research Service, for an age 65 retiree with average wages, a maximum benefit disparity of 10% would have arisen between the highest benefit under the old rules and the lowest benefit under the new rules if the 1977 assumptions had materialized. Under the economic conditions that actually arose, the disparity was 25%-two and one half times greater.."'It's modest in terms of efficacy. It's [statistically] significant, but it may not be observable by the family or caregiver or even the physician,'" he said. "'I would tell them this is not a cure - something to set the expectation that this is likely not going to be a dramatic improvement, but this could be something more subtle.'".Get pneumococcal vaccines.Inadequate COLAs have long-term consequences for both retiree finances and health. COLAs affect the amount of total lifetime Social Security income, and that in turn affects the rate of withdrawals from retirement accounts and savings, debt levels. Adequate income in retirement also determines whether individuals have the finances to pay for supplemental Medicare health premiums, out-of-pocket costs and prescription drugs..House Budget Committee Approves Fiscal 2019 Blueprint.This week, appropriators in the House and Senate continued making progress on a number of fiscal 2015 bills. Notably, House Appropriations Chairman Hal Rogers released a plan to trim funding slightly for the contentious Labor-HHS-Education measure, which the Social Security and Medicare programs both fall under. The plan would provide 5.7 billion in funding for the measure, which is approximately billion below the current funding level..For many years TSCL has led the fight to provide additional compensation to those affected.

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Last year TSCL joined the fight to end "surprise billing," a practice that generally refers to expensive, unexpected medical bills that patients receive from hospitals and doctors' offices even when they have health insurance that they expect will cover the majority of the costs of treatment..By Mike Watson, TSCL Legislative Assistant.If that's so why hasn't anybody done it yet? The options Congress has to address the debt are dwindling and the choices that are left are wrenching. … Continued

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"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..In an ideal world, prior authorization is supposed to deter patients from receiving care that is not truly medically necessary, thus reducing costs for insurers and out-of-pocket costs of enrollees. But prior authorization is sometimes misused to create barriers to getting care, or to even deny medically necessary care. Regardless of how prior authorization is used, it creates extra administrative hassles for physicians when they have to file the documentation to obtain the authorization..Medicare does not cover routine dental care that you normally receive for the health of your teeth. According to Medicare Interactive, a resource for answers to your Medicare questions maintained by the Medicare Rights Center, Medicare will not cover routine checkups, cleanings or fillings. In particular Medicare will not pay for dentures. Even if you have to have teeth extracted as preparation for a medical procedure, you are responsible for the cost of your dentures. … Continued

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