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The proposal to cut the growth of COLAs formed a major Social Security reform provision of President Obama's 2010 Fiscal Commission. It would reduce the growth rate in COLAs by switching to the more slowly-growing "chained" CPI. "The switch is insidious because it's enormously complicated to figure out, and it looks so small on paper - just 0.03 tenths of a percentage point," Hyland observes. "But the loss compounds over time. Within a decade it would have a significant financial punch that just keeps getting bigger," Hyland explains. The following chart provided by TSCL illustrates the impact of a chained CPI on a married couple's Social Security benefits, which start at a total of ,500 per month today, and how their benefits change over the first ten years. After ten years the chained CPI would reduce benefits by per month, and would cut benefits by ,488 over the ten-year period..TSCL is pleased that after more than a decade, lawmakers have finally passed legislation to repeal and replace the SGR once and for all. The SGR has not worked as it was intended to since 2003, and seventeen times it has called for steep physician pay cuts, threatening access to quality medical care for seniors. We are hopeful that the new system will bring increased stability to the Medicare program..But we all must face the reality that unless we continue the safety measures of masks and handwashing, this will get worse..Beware of a nationwide utilitybill payment scam. Under the scam, a customer may be contacted in person, through fliers, social media or text messages. The scammers claim that President Obama will pay a person's utility bills through a new federal program..pharmacy with a prescription for blood pressure medication. Visits to the.But the transitional formula failed, and in most cases, the new benefit formula abruptly kicked in. Extreme inflation that climbed to 14.3% in 1980 magnified the disparities. When the benefits are illustrated on a bar graph, they show a deep "V" Notch..According to Representative Roybal-Allard, almost 80 percent of those over the age of 80 suffer from hearing loss, which leads to serious injuries and health problems when left untreated. In addition, nearly 70 percent of older Americans currently have no dental insurance coverage. In a letter of endorsement, Art Cooper Chairman of TSCL's Board of Trustees wrote: "It is essential for older Americans to receive the preventive care and treatment that is needed to maintain their dignity and ensure good health in retirement … Your bill would improve access to care for millions of older Americans, and we believe it would go a long way in ensuring the retirement security senior citizens have earned and deserve.".You may possibly qualify for a divorced spouse Social Security survivor's benefit that would be the same as what a widow would get, but you have a number of options that you need to carefully think through. If you receive survivors benefits as a divorced spouse now, you can switch to your own retirement benefit later if it is higher than your widow's benefit..Seventy - nine percent of older Americans think the highest -earning workers should be paying Social Security taxes on all of their wages, just like other workers do, according to recent survey by The Senior Citizens League. "The issue is a top priority with older voters, many of whom are outraged at recent legislative proposals to cut Social Security benefits and cost-of-living adjustments," says Mary Johnson, a Social Security policy analyst for TSCL.

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As our nation begins to deal with the problems of the long-term financing of Social Security, we face some very difficult decisions. To what extent should individuals be required to save for their own retirement and to what extent should the government provide for those who cannot or have not been able to save? Proposals for reform have yet to provide answers..A majority of the 60 million senior and disabled Americans who receive Social Security depend on it for at least 50 percent of their total income, and one–third of all beneficiaries rely on it for 90 percent or more of their income. To help protect the buying power of benefits, TSCL supports bipartisan legislation called the Fair COLA for Seniors Act that would base COLAs on the Consumer Price Index for the Elderly. To learn more, visit..And while Social Security benefits have flat-lined since 2010, retirees report that household expenses are still climbing - causing people to spend retirement savings more quickly and to go into debt. This year Social Security recipients received no COLA at all, but 73 percent of survey participants reported that their monthly expenses grew by more than over the past twelve months. Things aren't likely to improve soon. The Social Security Trust Fund trustees estimate that the COLA in 2017 will be just 0.2 percent - just .00 for ,000 in benefits. … Continued

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TSCL recommends that anyone unsure of how the provision may affect you should talk with the human resources director of your former employer or union through which you receive benefits. To learn more about TSCL's legislative work read the weekly legislative updates; or to learn more about TSCL's key issues, please visit..Social Security and Medicare remain the targets of plans to reduce federal spending. Over the past 12 months, both Members of Congress and President Obama came close to agreeing on cuts to Social Security benefits, including cost-of-living adjustments and making seniors pay more for their Medicare. How much are Social Security benefits worth over a lifetime and what can you count on? A baby boomer retiring with an "average" benefit of ,100 in 2011 can expect to receive 0,225 over ten years, and 3,641 if he or she lives twenty-five years, due to the compounding effect of the cost-of-living adjustments..Enrollment in the demonstration program far exceeds early target of 1–2 million beneficiaries set by the Centers for Medicare and Medicaid Services. If all 26 state proposals are approved, approximately 3 million dual–eligible beneficiaries, about 40 percent of seniors who receive both Medicare and Medicaid, would be automatically enrolled into new managed–care plans. … Continued

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