Sorted by date Results 51 - 75 of 93
Dear Savvy Senior: Can you recommend any good devices that help seniors with tracking down misplaced items? My wife misplaces everything including her car keys, eyeglasses, cell phone, purse and more. - Always Searching Dear Always: There's actually a wide variety of tracking devices that can help you and your wife find items that are commonly misplaced. Here are some top options to consider depending on how tech savvy you are. Bluetooth trackers If you or your wife use a smartphone or tablet,...
Dear Savvy Senior: I will turn 65 in a few months and plan to keep working for several more years. I have good health insurance from my employer now. Do I have to sign up for Medicare when I reach 65? — Looking Ahead Dear Looking: Whether you need to enroll in Medicare at 65 if you continue to work and have health insurance through your job depends on how large your employer is. The same rules apply if your health insurance comes from your spouse’s job. But first, let’s review the basics. Remember that original Medicare has two parts: Part...
Dear Savvy Senior: I understand that a portion of my Social Security benefits may be taxable when I retire. Can you tell me how to calculate this ? – Ready to Retire Dear Ready: Whether or not you’ll be required to pay federal income tax on your Social Security benefits will depend on your income and filing status. About 35 percent of Social Security recipients have total incomes high enough to trigger federal income tax on their benefits. To figure out if your benefits will be taxable, you’ll need to add up all of your “provisional income,...
Dear Savvy Senior: I’m interested in tracking down some old friends I’ve lost touch with over the years but could use some help. What websites can you recommend that can help me find them? - Tracking Tom Dear Tom: Thanks to the internet, tracking down long-lost friends from many years ago is relatively easy to do and, in most cases, it won’t cost you a cent. Here are some tips and online tools to help you get started. Remembering the details Before you begin your search, a good first step is to jot down any information you can remember or fi...
Dear Savvy Senior: I never thought about becoming an organ donor until my brother died of kidney failure last year. But at age 78, I would like to know if I’m too old to be a donor, or if they would even use my organs if I were to die from COVID-19. What can you tell me? - Potential Donor Dear Potential: There’s no cutoff age for being an organ donor. Anyone, regardless of age or medical history, can sign up. In fact, there are many people well up into their 80s that donate. The decision to use your organs is based on health of the organ, not a...
Dear Savvy Senior: I understand that COVID-19 hits smokers a lot harder than nonsmokers but quitting at my age is very difficult. Does Medicare offer any coverage that helps beneficiaries quit smoking? - Must Quit Dear Must: It’s true. Smokers and vapers have a higher risk of severe COVID-19 infection as the coronavirus attacks the lungs. That’s why quitting now is more important than ever before. If you are a Medicare beneficiary, you’ll be happy to know that Medicare Part B covers up to eight face-to-face counseling sessions a year to help yo...
Dear Savvy Senior: Are there any financial assistance programs you can refer me to? The coronavirus pandemic has cost me my part-time retirement job and has shrunk my measly IRA account. - Needy Retiree Dear Needy: Absolutely. In addition to the $1,200 federal coronavirus stimulus check that was distributed in April and May, there are many other financial-assistance programs (both public and private) that can help struggling retirees, as well as give relief to family members who help provide financial support for their loved ones. To find out...
Dear Savvy Senior: Can you recommend some simple devices that can help tech-challenged seniors with video calls? My 80-year-old mother has been isolating herself for months now in fear of the coronavirus and I haven’t been able to see her face-to-face in quite a while. - Concerned Daughter Dear Concerned: Video chatting is a great way to stay connected and keep tabs on someone when you can’t be there, but it’s even more important now during this pandemic as many isolated seniors are also suffering from chronic loneliness. To help connect you a...
Dear Savvy Senior: I manage a large doctor’s clinic that treats hundreds of seniors each month. We are moving to more telehealth visits to help keep our patients safe at home during the coronavirus pandemic, but this new way of seeing a doctor is befuddling to many of our elder patients. Can you write a column educating patients on how to prepare for a telehealth appointment? - Regular Reader Dear Reader: I’d be happy to help. To help keep patients safe and at home during the coronavirus crisis, more and more doctors and other health care provi...
Dear Savvy Senior: Are people with high blood pressure at increased risk of getting coronavirus? - Hypertensive Helen Dear Helen: If you have high blood pressure, you definitely need to take extra care to protect yourself during the coronavirus (COVID-19) pandemic. Research shows that people with hypertension are more susceptible to getting COVID-19, are more likely to develop severe symptoms if they do get sick, and are more likely to die from the infection, especially if they’re older. High risk links A weaker immune system is the key r...
Dear Savvy Senior: Do currently offered vaccines against pneumonia provide seniors any protection against the coronavirus disease? I’ve always been bad about getting vaccinated, but this coronavirus pandemic is causing me to change my thinking. - Pro-Vax Patty Dear Patty: This is a great question. Because the coronavirus (COVID-19) attacks the lungs and respiratory system, many readers have asked whether the pneumonia vaccines, which are administered to millions of patients each year, might protect someone if they contract the coronavirus. But...
Dear Savvy Senior: What can you tell me about the retirement account changes that Congress recently passed in response to the coronavirus crisis? - Seeking Answers Dear Seeking: Tucked into the Coronavirus Aid, Relief and Economic Security Act, or CARES Act, that President Trump signed into law in late March were a series of changes that can help retirement savers in need of cash, as well as help preserve the retirement savings accounts of current retirees while the stock market is down. Here’s a rundown to how three provisions in the CARES A...
Dear Savvy Senior: Do kidney problems run in families? My mother died from kidney failure 10 years ago at age 74 but didn’t know she had a kidney problem until it was too late. - Just Turned 60 Dear 60: Anyone who has a family history of kidney disease, or who has high blood pressure or diabetes is at increased risk and needs to have their kidneys tested. According to the Center for Disease Control and Prevention, around 37 million U.S adults have chronic kidney disease (when the kidneys can’t properly do their job of cleaning toxins and wastes...
Dear Savvy Senior: In light of the stock market crashing, I’ve heard that Social Security offers a lump-sum payment to new retirees who need some extra cash. I have not yet filed for my retirement benefits and would like to investigate this option. What can you tell me? — Seeking Cash Dear Seeking: There is indeed a little-known Social Security claiming strategy that’s been around for many years that can provide retirees a lump-sum benefit, but you need to be past your full retirement age to be eligible, and there are financial drawbacks you n...
Dear Savvy Senior: Can you offer some tips to help seniors guard against census scams? With the 2020 Census gearing up, I’ve read that there are a lot of potential scammers out there looking to take advantage of older people and I want to protect myself. – Cautious Judy Dear Judy: Unfortunately, scams have become a persistent problem when the U.S. Census Bureau does its once-a-decade count of the U.S. population. Here’s what you can expect from the 2020 Census in the coming weeks, and how you can protect yourself from potential scams. What...
Dear Savvy Senior: A couple months back I read that the IRS will be offering a new senior-friendly tax form this tax season that will be easier to use. What can you tell me about this? - Paper Filer Dear Filer: It’s true. The Internal Revenue Service (IRS) has created a new federal income-tax form specifically designed for senior taxpayers, age 65 and older, that should make filing a little easier this year, particularly those who don’t file electronically. Here’s what you should know. Form 1040-SR Created by the 2018 Bipartisan Budget Act,...
Dear Savvy Senior: I've read that people with heart problems need to be extra careful during the winter months because heart attacks are much more common. Why is this? -- Cautious Senior Dear Cautious: Everyone knows winter is cold and flu season, but many don't know that it's also the prime season for heart attacks, too, especially if you already have heart disease or have suffered a previous heart attack. Here's what you should know, along with some tips to help you protect yourself. In the...
Dear Savvy Senior: Where can I find out about alternative transportation services for my 80-year-old mother? It's time that she gives up driving, but before she does, we need to figure out how she'll get around. - Inquiring Son Dear Inquiring: Alternative transportation options for seniors who no longer drive vary widely by community, so what's available to your mom will depend on where she lives. Here's what you should know. While most urban areas offer seniors a variety of alternative...
Dear Savvy Senior: Can men get osteoporosis or is it primarily a problem for women? When I fell and broke my wrist last winter the doctor that treated me told me I might have osteoporosis, but I never got it checked. What can you tell me? — Bony Bill Dear Bill: Many people think osteoporosis is a woman’s disease, but men can get it too, especially in their later years. Here’s what you should know. Osteoporosis in men Osteoporosis is a disease that causes the bones to become weak and brittle and more susceptible to fractures. Though women are f...
Dear Savvy Senior: As a teacher for 20 years, I receive a pension from a school system that did not withhold Social Security taxes from my pay. After teaching, I’ve been working for a small company where I do pay Social Security taxes. Now, approaching age 65, I would like to retire and apply for my Social Security benefits. But I’ve been told that my teacher’s pension may cause me to lose some of my Social Security. Is that true? - Ready to Retire Dear Ready: Yes, it’s true. It’s very likely that your Social Security retirement benefits...
Dear Savvy Senior: I recently received a strange call from a Social Security employee. He told me my Social Security number had been suspended because it was involved in a crime, and that I needed to reactivate it and secure my bank funds by withdrawing them and putting them on gift cards. Is this a scam? - Worried Rita Dear Rita: Yes. It’s actually known as the “Social Security impostor scam” and it’s becoming a widespread problem in the U.S. The Federal Trade Commission has received more than 76,000 reports about this growing scam in the pas...
Dear Savvy Senior: I have heard that the VA has a benefit that can help veterans and spouses with long-term care costs. We recently had to move my 86-year-old father – who served in the army nearly 60 years ago – into an assisted living facility, and my mom isn’t far behind. Can the VA help? -- Seeking Aid Dear Seeking: The Veterans Administration does indeed have a little-known, underutilized benefit that can help wartime veterans and their surviving spouses pay for a variety of long-term care costs. This benefit, called “Aid and Attenda...
Dear Savvy Senior: What can you tell me about three-wheeled bicycles? I'm 65 years old and would like to start cycling again but I have some occasional balance problems and don't trust myself on a two-wheeler. What can you recommend? - Ready to Ride Dear Ready: Three-wheeled bikes – also known as adult trikes – are a great cycling option for older adults, especially those who have concerns with their balance or stamina. Here's what you should know, along with some tips to help you shop for one...
Dear Savvy Senior: What’s the best, environmentally safe way to dispose of old and unused medications? My mother has a medicine cabinet chocked-full of pills, some of which haven’t been touched in 25 years, and I’d like to clean it out for her. - Protective Daughter Dear Protective: Cleaning out the medicine cabinet is a chore that most people don’t think about, but it’s an important task that can help prevent medication problems, and protect children who may have access to these old, unused drugs. Here’s how you can clean out your mother’s me...
Dear Savvy Senior: I will be enrolling in Medicare in a few months, and would like to know how Medicare covers vision services? I currently have vision insurance through my employer but will lose it when I retire. - Looking Ahead Dear Looking: Many people approaching 65 are unclear on what Medicare does and doesn't cover when it comes to vision services. The good news is that original Medicare covers most medical issues like cataract surgery, treatment of eye diseases and medical emergencies....
