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If you require a non-formulary drug, for which there is no acceptable alternative, your doctor can ask your Medicare drug plan for a Formulary Exception, a type of Coverage Determination that would add the drug to your Part D plan coverage. If approved, you would be able to purchase your medication at the lower plan co-insurance and receive discounts if or when you reach the Part D doughnut hole..Good news is hard to come by these days. While a pandemic has hit our nation at least once before, none of us alive have ever experienced anything like this. In addition to the concern over catching the virus, the economy continues to take a huge hit, and no one knows how long this will last or how bad it's going to get..Age doesn't matter for contributions to Roth IRAs. Regardless of your age, if you have earned wages you can contribute to a Roth IRA. While the contributions to a Roth will not lower your income for tax purposes, the money you put in will grow tax deferred without any required minimum distributions. And distributions from a Roth won't subject your Social Security benefits to taxation..Senate Committee Questions HHS Nominee.While benefits scheduled in the law for OASI [Old Age and Survivors Insurance] and DI [Disability Insurance] are obligations, such obligations can only be met to the extent that asset reserves are available in the OASI and DI Trust Funds. The law does not provide authority for the trust funds to borrow in order to pay benefits beyond the limited authority for "advance tax transfers.".House Republicans surprised the nation earlier this year by approving an increase to the federal budget debt limit in exchange for passing the "No Budget, No Pay Act." The legislation required Members of Congress in both chambers to pass a budget resolution by April 15, 2013, or their pay would be withheld until they do. According to a TSCL poll, 62 percent of seniors thought the "No Budget, No Pay Act" was a smart move that would get the legislative process back on track..The U.S. currently has 21 Social Security Totalization Agreements in effect with other nations. The agreements allow workers who split their careers working in two countries to avoid double taxation on the same work. In addition, workers are allowed to combine earnings from both countries in order to qualify for Social Security benefits under one or both systems. The agreement with Mexico presumably would have a very different impact, however, for a number of reasons, including the fact that no other totalization agreement is with a country where so many of its citizens are living and working in our country illegally..We hope you will use these points and contact your own Senators and Representatives and tell them you are absolutely opposed to any payroll tax cut..Without legislation to remedy this flaw in the benefit formula, the reduction to the Social Security retirement benefits of these 4 million people would be permanent. Assuming that benefits would be reduced by 9.1%, a calculation for TSCL indicates that a 62 - year old with middle-earnings who retired in 2020 would typically expect a benefit of ,565 at full retirement age, but now would only receive ,423 instead. Over the course of a 25-year retirement, or by the time these individuals reach 87, the total loss of retirement income from expected Social Security benefits would be more than ,000.

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The Windfall Elimination Provision and the Government Pension Offset were included in the Social Security Act of 1983 to help shore up the Social Security program. I believe this has done little to secure the program and, instead, unfairly reduces the Social Security benefits of millions of public employees. Earlier this year, I reintroduced legislation, H.R. 973, the Social Security Fairness Act, to repeal these arcane policies..Totalization with Mexico is highly controversial because of the millions of Mexicans who have illegally worked in the United States without authorization. The agreement raises concerns that millions of such workers and their dependents would become newly eligible for Social Security benefits worsening the long-term solvency of the program. In addition, substantial new costs could trigger benefit cuts and higher taxes for both retirees and workers..Surveys show a majority of Americans would like to see an increase in the Social Security payroll tax, but a new tax reform proposal would eliminate the 12.4 percent payroll tax altogether. This would end Social Security as we know it and transform it into a welfare program for older Americans. Do you support this drastic new proposal? … Continued

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The program was designed to address the needs of low–income seniors, who receive both Medicare and Medicaid. The group includes the oldest, sickest and poorest of seniors, including many Notch Babies, who tend to have multiple health problems, including the need for long term care. Although they make up only 15 percent of all Medicaid beneficiaries, they account for almost 40 percent of Medicaid expenditures, according to the Kaiser Commission on Medicaid and the Uninsured..Running for election to Congress has become incredibly expensive and lawmakers spend a great deal of their time all year long raising money to pay for their campaigns..On Wednesday, Congressman Jimmy Duncan introduced the CPI for Seniors Act, and TSCL announced its support for it shortly thereafter. The bill, if signed into law, would mandate the formulation and publication of a new Consumer Price Index specifically for seniors with the purpose of establishing a more fair and accurate cost-of-living adjustment. … Continued