Are You
Accessing All of the Social Security
Retirement Benefits Available to You?
 By
Lisa Bayer
Most people think that Social Security is
only available to retirees when they
completely stop working at full retirement
age. In 2008 the full retirement age for an
individual born before 1938 is 65. However,
it is also possible for a person born after
1938 to apply for early retirement benefits
as early as age 62. In this case your
retirement benefit amount will be
permanently reduced by a percentage
depending upon what month and age you apply
for early retirement benefits. Of course,
the longer you wait to apply for early
retirement, the closer your benefit will be
to the full retirement amount.
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Understanding Medicare
Lance D. Fisher
 Medicare
is a GREAT health insurance program!! The
problem is most people feel intimidated by
it. They are overwhelmed by the choices and
get frustrated and ultimately turned off by
the whole system. That is unfortunate, but
hopefully this article will clear up some of
these issues.
Medicare is a health insurance program
designed for seniors (people 65 & older) and
people with certain disabilities. It covers
Hospitalization costs (Medicare Part A) and
doctors or outpatient services (Medicare
Part B). It was signed into law in 1965 by
Lyndon B. Johnson. It has gone through many
changes over the years and now there is also
Medicare Part C (also called Medicare
Advantage) and Medicare Part D (prescription
Drug coverage).
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Answers
About the Medicare Drug Plan
By Ranju Kumar
 The
new Medicare drug program, known as Part D,
has resulted in much confusion about rules,
benefits and costs.
You are under no obligation to sign up for
Medicare Part D, but if you do, make sure
that the plan you choose offers the drugs
you need at a fair price through a pharmacy
you like. Figure in premiums, deductibles
and co-payments.
Here are answers to frequently asked
questions from a leading health-care
advocate...
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Popular Medicare Supplement Plans for
Seniors
By A.M. Hyers
Medigap Plan F and Plan J are usually the
most requested plans by senior consumers.
Their popularity can be explained by the
fact that these two plans cover more of the
coverage gaps left behind by Medicare. Most
supplemental insurance carriers offer Plan
F, but Plan J can be harder to find.
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Government
Benefits
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 The
Social Security Answer Book
By Stanley Tomkiel
III
List
Price: $14.95
Price: $10.17
This new title is an organized
collection of actual questions asked by
individuals from around the country to
Social Security benefits expert Stanley
A. Tomkiel, III. The questions are
derived from emails received from real
people asking real-life questions about
various areas of concern for themselves
and their family members. These are not
academic inquiries, but rather those
seeking practical answers to specific
issues in people’s lives.& General
information about the Social Security
Administration, plus additional data
about Medicare and SSI (Supplemental
Security Insurance) is given.
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When to
Take Social Security
 By
Shelby Smith
One of the most important retirement
decisions facing most Americans is:
WHEN TO START SOCIAL SECURITY
BENEFITS. Conventional wisdom
has always been "take it as early as
possible -- age 62". Why? Several
reasons are given: (a) it might not be
there if you wait; (b) you can take the
benefits and invest them and have more
money later; (c) I might die early and
never get a dime.
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 Social
Security, Medicare & Government
Pensions: Get the Most Out of Your
Retirement & Medical Benefits
By Joseph
Matthews, Dorothy Matthews Berman
List Price: $29.99
Price: $19.79
Get the most out of your retirement
benefits, and navigate the Social
Security and Medicare systems with
confidence!
Everyone wants to get the highest
possible retirement and pension income -
not to mention the best medical
coverage. Turn to the completely updated
14th edition of Social Security,
Medicare & Government Pensions to
discover the benefits you're entitled to
and how to claim them as easily as
possible.
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Little
Known Veterans Pension Program Can Earn You
Up to $22,000 Tax Free!
By Lance D. Fisher
If you haven’t heard of it, you are not
alone. Currently there is a ground swell
effort to inform veterans about this
benefit. The Governor of Illinois felt it
was such a serious situation that he created
a non-profit corporation to work with other
corporations, service groups and individuals
like us, to get the word out and to educate
Veterans and the families on this benefit.
There are about 22 million veterans in the
United States and about two billion dollars
of benefits that go untouched every year.
And a lot of it has to do with the fact that
people just don’t know that the benefits are
available. They don’t know that they qualify
and they don’t know how to apply.
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