Retirement Healthcare and Medicare
Retirement expert Bob Carlson’s research and knowledge on how to get the most out of healthcare options
Found 315 Articles.
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Debating Medicare
The future of Medicare is a big part of this year’s elections. You’re going to hear a lot of sound bites and arguments about Medicare and various proposals to change it. I think it’s important to do research yourself before hearing the incomplete and sometimes distorted comments in the media. Here are a few facts […]
Health = Wealth in Retirement?
A high percentage of American seniors die having few or no financial assets and depending on Social Security for their income. Of those with few assets, a high percentage of those are single and don’t live as long. These are the conclusions from a new study published by professors from MIT, Dartmouth, and Harvard. The […]
Long-Term Care Insurance Made Easy
The question of whether or not to buy long-term care insurance perplexes many people. They don’t know how to approach the issue and don’t want to be led around by an insurance agent seeking a commission. If you’re in that situation, or simply want a decent road map to analyzing the decision, consider this post. […]
Finding the Best Long-Term Care Insurance Deal
Too many people aren’t receiving enough long-term care coverage for the premiums they’re paying. Some are paying twice what they should be. It’s not surprising. Insurance is an inefficient market. It’s tough for consumers to find prices and other details, and it’s something they don’t want to do to begin with. So, when people buy […]
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What Medicare is Worth to You
Most people don’t know much about Medicare, even current beneficiaries. People planning for retirement don’t know much either, as surveys consistently show. As this article says, they’re clueless. A few points it makes are that we aren’t paying into a trust fund that funds our benefits during retirement. In fact, most of the benefits paid […]
Why You Should Buy Long-Term Care Insurance Now
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
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
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 […]
