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Ah, retirement -- the “golden years.” Visions of fit youngish-looking seniors cavorting on a white-sands beach. Beautiful perfect-teeth smiles glowing on their faces, palm trees swaying in the breeze, and brilliant blue-green waters glistening in the background. This is how retirement is portrayed in the travel brochures and the financial products advertisements. Alas, the economic realities of retirement are less uniformly euphoric. According to the recently released 28th Annual Retirement Confidence Survey (RCS) conducted by the Employee Ben...
A lot is asked of our men and women in the military, whether active duty or those who have achieved veteran status. Per their service, they are required to constantly relocate, every three to four years depending on military branch. They must deploy to faraway places for training and service abroad, spending weeks and months without those closest to them. Every day, they are asked to perform mentally and physically, with strength and stamina. They are, in principle, dissuaded from showing weakness. They are soldiers. They are warriors. They...
When we talk about the costs of Medicare, the discussion can include premiums, deductibles, co-insurances and copays. Another cost to Medicare beneficiaries that may come as a surprise is the Income Related Monthly Adjustment, or IRMAA. The IRMAA is an increased amount that individuals who have a higher income pay. This can affect you if your earnings are high or you receive an unexpected windfall such as an inheritance. The IRMAA can affect both your Medicare Part B (Medical) premium and your...
Congressional Democrats are pushing an ambitious plan to expand Social Security and put it on a sustained long-term footing in an effort to overturn 20 years of attempts by congressional Republicans to scale back entitlement programs like Medicare and Social Security. The New Deal social insurance program had been one of the primary targets of former House Republican Speaker Paul Ryan, R-Wis., since his arrival in Congress in 1999. Ryan always believed Social Security “is an undeserved entitlement,” and lawmakers have often suggested that it...
Save the date for Hospice of Anchorage’s 17th Annual Heroes of Healthcare Awards Black Tie Event and Auction at the Anchorage Marriott Hotel on Saturday, April 20. Heroes of Healthcare is a way to recognize significant contributions and service to the community. This event is also an annual fundraiser for Hospice of Anchorage. Individuals have the opportunity to sponsor a table and bring eight guests to attend the event as well as participate in the silent and live auction. There are different levels of sponsorship starting at partner level of...
It’s National Social Security Month and this year we’re highlighting some of the time-saving features of the “my Social Security” account. Once you create an account, you’ll see that we already have your work history and secure information to estimate what you could receive once you start collecting benefits. With your personal my Social Security account, you can also: Request a replacement Social Security card; Set up or change direct deposit; Get a proof of income letter; Change your address; Check the status of your Social Security applicati...
House Democrats, Senate Republicans and the Trump administration agree on one thing – that drug prices must be lowered. Both parties are working through the ideas to reduce prescription drug costs, but the problem is finding common ground and achieving consensus. No compromise is there yet and it may not emerge as some lawmakers could choose to use the issue for political advantage instead of working out a solution now. But an arms race of sorts is building as Democratic presidential contenders try to make the most noise on the drug pricing i...
Fifty years ago this June, LGBT elder pioneers started the fight for LGBT equality at the Stonewall Inn in New York City. In the early hours of June 28, 1969, LGBT patrons at the Stonewall Inn took a stand against police harassment and violence, and a riot broke out. Police reinforcements arrived and beat the crowd away, but the next night, the crowd returned even larger than the night before. In the wake of the riots, discussions about civil rights were held among New York's LGBT communities...
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....
Dear Savvy Senior: What are the warning signs for glaucoma? My 65-year-old brother lost some of his vision because of it but never had a clue anything was wrong. Could I be at risk too? - Concerned Sister Dear Concerned: It’s called the “silent thief of sight” for a reason. With no early warning signs or pain, most people that have glaucoma don’t realize it until their vision begins to deteriorate. Here’s what you should know. Glaucoma is a group of eye diseases that can damage the optic nerve and cause vision loss and blindness if it’s not...
The American Legion was chartered and incorporated by Congress in 1919, as a patriotic veterans’ organization devoted to mutual helpfulness. It is the nation’s largest wartime veterans service organization, committed to mentoring youth and sponsorship of wholesome programs in our communities, advocating patriotism and honor, promoting strong national security, and continued devotion to our fellow service members and veterans. Hundreds of local American Legion programs and activities strengthen the nation one community at a time. American Leg...
Interested in learning more about businesses and agencies providing senior services in the Anchorage and Mat-Su area? Want to get the word out about your own service? The monthly Service Providers Breakfast (formally known as the Interagency Breakfast), sponsored by Older Persons Action Group, is an opportunity for all the above. Informal, early and free, with breakfast provided. The February meeting is Feb. 13, hosted by Nila Morgan, Medicare specialist at the Anchorage Senior Activity Center. Begins at 8 a.m. RSVP by calling Older Persons...
AARP Alaska, Older Persons Action Group and the Anchorage Senior Activity Center continues its series of “Age Smart – Let’s Talk” forums on Jan. 8, 2019, from 6 to 7:30 p.m. at the Anchorage Senior Activity Center. The January topic is “Medicare Basics”. Medicare is undoubtedly one of the most perplexing issues for people as they get older. What is it? What does it do and not do? Do I have to sign up, or how do I get it? What choices do I have? Will I like it? These questions and many more will be answered by Alaska’s foremost Medicare expe...
When the next Congress begins its work in January, lawmakers from both parties will try to work with the Trump administration to pass vital health care legislation. But getting a political advantage and maneuvering for the 2020 elections will help determine just how much cooperation can be found. Democrats and Republicans have significantly different political agendas they want to advance. The easiest issue on the health care agenda should be making sure people with pre-existing conditions do...
The question of limiting the profits of health insurance companies is sparking renewed national debate. The nation’s biggest health insurers have reported robust growth in recent years, due in large part to Medicare. All of the “big five” insurers, United Health Care, Anthem, Aetna, Cigna and Humana have seen increases in enrollment growth and revenues, with profits rising. At the same time, a growing number of Medicare beneficiaries report that Medicare premiums, deductibles and out-of-pocket costs are consuming an increased share of their...
Welcome to 2019! There are a number of changes in Medicare this year of which you will want to be aware. New Medicare cards The New Medicare card mail-out for Alaskans began April 1, 2018 and ended June 30. If you have not received your new card, please contact the Medicare Information Office (800-478-6065) or 1-800-Medicare, so that they can determine why your card has not arrived. It is possible an address update is needed. However, you do not need to panic, as the old card is still usable unt...
Older Persons Action Group, Inc., held its annual membership meeting Nov. 15 in Anchorage. At the meeting, board members nominated and voted-in the following officers: Yvonne M. Chase, president; Pam Yeargan, vice president; Leonard T. Kelley, treasurer; Jan Carolyn Hardy, secretary. Other OPAG board members include Sharon White-Wheeler, Robert Bracco, Christian Montana, Anne Gonzalez and Susan LaBelle. Directory release Also in November, OPAG released the 2018-2020 edition of its Directory for...
Dear Savvy Senior: I will turn 65 in a few months and will be enrolling in Medicare, but I am concerned about Medicare’s coverage of dental care. Does Medicare cover dental procedures? And if not, where can I get dental coverage? - Almost 65 Dear Almost: Medicare’s coverage of dental care is extremely limited. It will not cover routine dental care including checkups, cleanings, or fillings, and it won’t pay for dentures either. Medicare will, however, cover some dental services if they are required to protect your general health, or if you n...
SAARP Alaska will host a two-hour workshop, “Get Ready for Medicare,” in Anchorage, Dec. 20, at University of Alaska Anchorage. Attendees will get to know the basics of Medicare, including Parts A, B, C and D, and also learn about Medigap (supplemental) plans and whether they need one. The workshop will be held in Cuddy Hall from 5:30 to 7:30 p.m. Registration is requested. Call 1-877-926-8300 or register online at https://aarp.cvent.com/DECMED2018....
The formidable pharmaceutical industry wants to recoup the $11.8 billion hit it took earlier this year in Congress’s 2018 budget deal. The drugmakers rarely lose, able to use clout and pressure in every House and Senate district to get what they want. Now they are flexing their muscles and you can expect a relentless push to get back that money which essentially comes out of pharmaceutical industry profits. When Congress approved that budget, the final deal required the drugmakers to shift billions of dollars in Medicare drug costs away from s...
You may have seen or heard a lot of buzz about the Open Enrollment Period (OEP) for Medicare Part D. And you may think to yourself, “I am perfectly happy with my current prescription drug coverage and I don’t want to make any changes so I will stay with the plan that I have.” This decision could cost you money and here’s why. The (OEP) is a six week opportunity for those who have Medicare to review their coverage. Persons who have not had prescription drug coverage may join a plan and those w...
It could be worse. In fact, it was worse. In the 1800s, if you were both poor and elderly, the chances are that your family was too poor to care for you. Moreover, contemporary researchers note that, “The elderly poor were regarded as ‘a burden on the local taxes’ and were ‘despised and often treated as outcasts.’” In some places you could attend an auction selling the labor of old persons, who were then forced to work in agriculture. Gives me the heebie-jeebies. If you were poor and elderly you were likely to spend your final years in th...
Reports of identity theft, breaches and scams have all been in the news lately. Although many of these scams are taking place online or by phone (impostor calls), identity theft can still occur by physical means. Dumpster divers go through your trash at home, work and at landfills. Unsecured mailboxes are targeted by mail thieves. One of the ways consumers can combat identity theft is by shredding all documents that contain personal information. Don’t just toss your old credit card, bank, cell phone and insurance statements. Either purchase a...
Who in Alaska is glad to hear that Medicare is not going bankrupt? Certainly the 84,000 Medicare beneficiaries in Alaska are glad to hear that Medicare is not going bankrupt. And by the way, not all those beneficiaries are elders. Medicare beneficiaries in Alaska include about 13,000 people who are younger but disabled. In 2014, the most recent year for which this information is available, total Medicare spending in Alaska was $741 million. That contributes to the incomes of thousands of healthcare providers and other health care workers in...
Perhaps you have heard advertising that you can purchase back braces, knee braces, and other items with little or no cost to you and that Medicare will pay for them. Let’s get to the truth of these advertisements. First of all – what is Durable Medical Equipment (DME)? DME is defined as equipment that is durable, reusable and is needed to treat an illness or an injury, or to improve the functioning of a malformed body part. These are items that are designed to withstand repeated use. Med...
