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..It is time to invest in these essential caregivers and our seniors. It is for this reason that I introduced H.R. 4445, the Improving Care for Vulnerable Older Citizens through Workforce Advancement Act of 201The bill would amend the Older Americans Act of 1965 to establish six, three-year demonstration projects to test models of care using direct-care workers in advanced roles. These demonstrations would focus on care coordination and improved delivery of health services for older adults with chronic illness or at-risk of re-hospitalization. Two projects would train DCWs to take on increased responsibilities related to caring for patients with specific diseases, including Alzheimer's, dementia, congestive heart failure, and diabetes. Two additional projects would include DCWs as members of interdisciplinary care coordination teams and use their abilities to promote smooth transitions in care. The final two would use DCWs to monitor patient health status, help consumers follow prescribed care, and educate consumers and family caregiver..A major factor in delaying Social Security is your life expectancy, and the age at which you would come out ahead. Chances are you would be ahead by your early 80s. Average life expectancy for men is 84 and nearly 87 for women, and more people these days are living well into their 90s..The COLA is calculated using data from the Consumer Price Index for Urban Wage Earners and Clerical Workers. Of the CPI groups that the Bureau of Labor Statistics measures, the CPI-W covers only 28% of the total U.S. population, and specifically excludes households "with no one in the labor force, such as retirees.".TSCL's report contains one of the only up-to-date compilations of Social Security's Earnings Suspense File data, based on government documents, and updated with the most recent Social Security Administration data annually. The data indicate that in the years immediately following the 1986 immigration amnesty, the Earnings Suspense File grew at an unprecedented pace. From 2000 to 2011 the number of mismatched wage reports doubled, jumping from 52 million reported from 1990 to 1999 to 109.7 million from 2000 to 201In addition, the amount of average annual wages represented by the reports has also grown considerably since the 1990s - about 60%, after adjusting for inflation..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..Need more help? Free one-on-one counseling is available through State Health Insurance Programs. To get contact info for your area visit shiptacenter.org..This week, following a two-day markup, the House Budget Committee advanced a fiscal 2019 budget resolution that would dramatically impact Social Security, Medicare, and Medicaid if adopted. The "Budget for a Brighter American Future" includes trillion in spending cuts, and it would balance the budget in nine years..That is only one of the issues involved with high drug prices, and the drug companies aren't the only issue.

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Federal Court Halts Implementation of Immigration Orders.So it could be significant this week that a Republican member of the Federal Trade Commission, Christine Wilson, stated that she believes Medicare should have more power to negotiate drug prices. She acknowledged that her position would be controversial among her fellow Republicans because they argue that allowing Medicare to negotiate with the pharmaceutical companies would essentially allow Medicare to set drug prices and stifle development of innovative new drugs. As the year progresses, we shall see if her views make any difference..The 5 or so million Americans aged 50 to 64 who currently buy insurance on the individual and small business exchanges could compare a Medicare-X plan to those offered by private insurance plansm and choose which works best for them. Guaranteeing Medicare-X in every ZIP code would ensure there's always an option for Americans not yet on Medicare. And, because participants' premiums would cover the full cost of the plan, it wouldn't raise taxes, add to the deficit, or take resources from the Medicare trust fund. Medicare-X would allow price negotiation under Part D, but would not touch the benefits offered through traditional Medicare or Medicare Advantage. … Continued

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You would be FAR better off waiting until after you turn 66 to start benefits at your full retirement age. After reaching full retirement age, you can receive benefits and earn as much as you want with no reduction to your benefits..The estimated depletion date for the Medicare Part A trust fund is 202At that time, program income will be sufficient to pay 90% of total scheduled benefits. The Part B trust fund is financed differently, with premiums and general revenue funding changing each year to reflect projected spending, so Part B is expected to be adequately financed "for the next 10 years and beyond.".TSCL strongly believes that inaction on addressing Social Security's financing challenges is putting the benefits of tens of millions at risk. The closer we come to the Social Security depletion dates, the more difficult it will be to find a solution to strengthen program finances. With the coronavirus recession, the depletion date may arrive sooner than anyone ever expected. … Continued

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