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Retirement Healthcare and Medicare

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

Found 300 Articles.
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Why You Should Buy Long-Term Care Insurance Now

May 1, 2012

The changes in long-term care insurance keep coming. The latest news was Prudential Financial’s announcement that it will stop selling individual LTCI policies but will continue to sell policies through employer-sponsored programs. The Pru is the tenth of the top 20 insurers by sales to exit the LTCI market in the last five years, according […]

Social Security and Medicare Still Need Reform

April 26, 2012

The trustees issued their annual reports this week. Their projections show Medicare will be short the needed money in 2024, the same year as estimated last year, and Social Security will be in trouble in 2033, three years earlier than assumed a year ago. But those are only the official projections. The actuaries of the […]

Losing Another Long-Term Care Option

March 8, 2012

Long-term care insurance has had its troubles the last couple of years. Sales of the policies still haven’t approached sales levels many anticipated as the Baby Boomers age. There are a range of reasons: high cost, complicated terms, people not wanting to think about it, and more. The companies also are troubled by low interest […]

Evaluating the Long Term Care Insurance Decision

March 1, 2012

Most people don’t buy long-term care insurance, and they also aren’t prepared to pay for long-term care needs. In general, Americans also aren’t well-informed about either long-term care or insurance to cover it. Let’s debunk some myths and then take a rational look at the decision of whether or not to buy LTCI. What’s the […]


What you don’t know about retirement can hurt you. In fact, just a few wrong decisions in your investments, taxes, or estate planning could completely derail your retirement plans. Worse yet, the rules of the game keep changing, making it harder to keep up. For these reasons, I’ve assembled all the key points – everything you need to know — into one comprehensive report. Click here today for free access.

5 Medicare Myths

February 27, 2012

Americans, even those participating in Medicare, are remarkably uninformed and misinformed about the program. Most don’t realize that the program pays only about half the medical costs of the average beneficiary and doesn’t cover a range of care. The Washington Post tackles some of the myths about Medicare. I don’t agree with everything in this […]

When Employers Slash Retiree Medical Spending

February 1, 2012

Retirees and employees of Kodak are likely to receive bad news in the near future. The firm filed for bankruptcy reorganization, and as part of that process it’s likely to decide eliminate their plans for retiree health care expenses. Companies don’t need to file for bankruptcy protection to do that, and many firms routinely reduced […]

Reducing 2011 Taxes Reduces 2013 Medicare Premiums

February 1, 2012

Your 2011 income taxes can affect the level of your 2013 Medicare Part B and Part D premiums, even if you’re not currently a Medicare beneficiary. Higher-income beneficiaries pay higher premiums, with the premiums rising as income rises. Modified adjusted gross income of a Medicare Beneficiary from two years earlier determine their premiums. There are […]

Medical Costs Most Worrisome Part of Retirement

January 18, 2012

Baby Boomers looking at their retirement finances are most concerned about their ability to pay retirement medical expenses, according to a survey by the Insured Retirement Institute. Over two-thirds are concerned, and the younger the boomer the more concerned. Over 70% of those ages 50 to 54 are worried. They should be worried. The IRI […]

April 2021:
Congress Comes for your Retirement Money
A devastating new law has just been enacted, with serious consequences for anyone holding an IRA, pension, or 401(k). Fortunately, there are still steps you can take to sidestep Congress, starting with this ONE SIMPLE MOVE.

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