Retirement expert Bob Carlson’s research and knowledge on how to get the most out of healthcare options
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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 […]
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 […]
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 […]
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 […]
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.
This could be an auspicious time for owners of long-term care insurance policies to consider upgrading or exchanging. While many people have not purchased the policies those who purchased them in the past should take a look at what is available. The biggest gripe of LTC policy owners is premium increases. There are a few […]
Health care orphans are receiving some help. Medical insurers and major employers are coming to their aid. The orphans are the second-fastest growing group of those without health insurance. They are people ages 50 to 64 who have no employer-sponsored medical coverage because they left their jobs, and their employers do not provide retiree medical […]
Essential parts of any financial or estate plan are the health care documents. Everyone needs these documents, regardless of the value of the estate. Even if you are not ready to put the rest of the plan into place, the health care documents should be prepared and executed. One problem with many plans is that […]
There is a bit of a revolution taking place in continuing care retirement communities (CCRCs). The revolution will make it easier for people to enter the community of their choice, but it also is making some decisions more difficult. A continuing care retirement community offers the full range of senior living options on one campus […]
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