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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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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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The Social Security Answer Book
By Stanley Tomkiel III
- Book Review
 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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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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Get the most out of your retirement benefits, and navigate the Social Security and Medicare systems with confidence! 