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Turning 65? Here’s Tips For Enrolling In Medicare

Several clients turning 65 have questions about when they should enroll in Medicare. That’s a common concern for people nearing retirement age. The Initial Enrollment Period Let’s say your birthday is November 15, and you’re turning 65. You have a seven-month window to enroll. Your Initial Enrollment Period (or IEP) to enroll in Medicare Parts A […]

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Health Care Expenses In Retirement: Enough To Make You Feel Queasy

Have you ever tried to estimate your health care costs in retirement? Better take a seat first. Retirement health costs are so high you might feel faint when you hear what you’re likely to pay. Almost half of retirees estimate they’ll need only $50,000 for health care expenses in retirement. However, according to annual research […]

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How To Avoid Caregiver Burnout

Caregiving is: a). Rewarding b). Stressful c). Exhausting d). Draining e). All of the above. The answer for most people will be (e). All of the above. Over 65 million Americans are now serving as full or part-time caregivers for family members, “preparing meals, taking over household duties, managing doctor appointments and medications, and in some […]

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No More Secrets: What Your Health Insurance Really Costs

Did you just receive your W-2 form from your employer? Take a peek. It’s your chance to get an inside look at what your health insurance really costs. The truth might come as a shock. While these figures might have been hush-hush a few years ago, changes in the law now require that they be […]

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healthcare costs

Budget Busters: What Will Your Health Care Really Cost In Retirement?

Here’s the short answer: More than you think. According to a recently completed survey by Nationwide Financial, “baby boomers have significant misconceptions about their coverage under programs like Medicare and the Affordable Care Act.” Over half say they don’t know what health care will cost in retirement. Those who are willing to take a guess say […]

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Quote Of The Week: The 10 Warning Signs Of Alzheimer’s

“Alzheimer’s disease is the only cause of death among the top 10 in the United States that can’t be prevented, cured or slowed down.” Ben Tinker, CNN, July 18, 2013, “The 10 warning signs of Alzheimer’s”   If you have experienced Alzheimer’s first-hand in your family, you know how frightening the disease can be. More […]

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health exchange

What You Need To Know About The New Insurance Exchanges

So far, the biggest question clients have had about the new health insurance exchanges is how to get through on the glitchy computer system. Unfortunately, we can’t help you with that! But once things settle down, here are the key things you’ll need to know: Who should shop for insurance on the exchanges? You should definitely visit […]

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Use It Or Lose It: Work Longer To Avoid Dementia

If you need another good reason to stay on the job longer, here it is. Working longer may prevent dementia. New research presented at this summer’s prestigious Alzheimer’s Association International Conference in  Copenhagen revealed additional insights into how to prevent Alzheimer’s and other diseases. Prior studies have already shown that high levels of intellectual stimulation and social engagement […]

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medical premiums

Yearly Family Health Care Costs Now Above $22,000

Question:  What does the average family of four pay each year in health care costs? Answer: The average bill is now over $22,000 per year. Of that amount, the typical employee pays about $9,144 on average (about 40% of the total), while the typical employer pays $12,886 (or 60% of the total). Here’s a further […]

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Will Your Health Premiums Go Up Next Year?

The short answer is that we don’t really know. One recent study says insurance premiums for many people could rise by 40% next year under the Patient Protection and Affordable Care Act, but also claims that others could see premium decreases. The new study by Milliman consulting firm, on behalf of Center Forward, a bipartisan organization, focused […]

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