Financial Advice for Retirement, Social Security, IRAs and Estate Planning

Retirement Healthcare

Retirement expert Bob Carlson’s research and knowledge on how to get the most out of healthcare options

Found 87 Articles.
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Separating the Myths and Facts of Long-Term Care

April 3, 2016

Long-term care is a great American paradox. On the one hand, most people don’t want to talk about it. A recent survey found that 25% of adults would rather go to the dentist than discuss LTC. Fewer than 30% of adults have had a conversation about long-term care planning. Yet, paying for LTC and the […]

Closing the Door to Your Greatest Fraud Risk

April 3, 2016

The recent headlines about the theft of tens of millions of personal information from health insurer Anthem shouldn’t have been a surprise, and it is the type of action you should expect to hear about regularly. Your greatest risk of being scammed or having your identity stolen might be one you don’t suspect. The big […]

Searching the New Medical Insurance Law

May 1, 2010

The new health care laws, The Patient Protection and Affordable Care Act of 2010 and a companion law, make sweeping changes in how your medical care is financed and provided. The changes are phased in now through 2018. The law is too broad to cover everything in this monthly visit or even several visits. I […]

Long-Term Care Policies and the Credit Crisis

January 1, 2009

The financial crisis is raising new concerns about long-term care insurance policies. In December Conseco announced it was transferring most of its 140,000 long-term care insurance policies into a nonprofit trust supervised by the Pennsylvania insurance commissioner. No new money will be put into the trust to pay claims, and insurance rater A.M. Best warned […]

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How to Avoid the Retirement Medical Expense Surprise

November 1, 2008

The wildcard in every retirement plan is the cost of medical care. It probably is the cause of most retirement plan failures. There are several reasons medical expenses disrupt so many plans: Many people are used to employer-paid medical care. Before they retire, they do not realize the full cost of medical insurance. Employers used […]

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How Improved Websites Boost Your Benefits

October 1, 2008

Government benefits are complicated. It often is difficult to understand the rules well enough to maximize benefits from Social Security and Medicare. The government agencies know this and in response recently added features to their web sites to make it less painful to learn your benefit options. I have reviewed these features and believe they […]

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Long-Term Care – New Trends

August 1, 2008

The possible need for long-term care is one of the greatest concerns of American adults. Recent data indicate the concern is well-placed. Baby Boomers are forecast to need long-term care at a greater rate than their predecessors because of longer life expectancies and improvements in medical care. One federal report estimated that 13 million Americans […]

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The Upcoming Medicare Changes

July 1, 2008

One of the biggest mistakes people make in their retirement plans is underestimating their medical expense burdens. Traditionally, early retirees overlook this major expense, but it is likely that in the next few years this expense will spike higher than many retirees anticipate. It is important that people recognize the trends behind changes in medical […]

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