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Jun
25
New Reports Highlight Continuing Challenges for Social Security and Medicare
New Reports Highlight Continuing Challenges for Social Security and Medicare Most Americans will receive Social Security and Medicare benefits at some point in their lives. For this reason, workers and retirees are concerned about potential program shortfalls that could affect future benefits. Each year, the Trustees of the Social Security and Medicare Trust Funds release lengthy annual reports to Congress that assess the health of these important programs. The newest reports, released on June 5, 2018, discuss the current financial condition and ongoing financial challenges that both programs face, and project a Social Security cost-of-living adjustment (COLA) for 2019. What are the Social Security and Medicare Trust Funds? Social...
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Nov
10
Five Questions about Long-Term Care
Five Questions about Long-Term Care 1. What is long-term care? Long-term care refers to the ongoing services and support needed by people who have chronic health conditions or disabilities. There are three levels of long-term care: •Skilled care: Generally round-the-clock care that's given by professional health care providers such as nurses, therapists, or aides under a doctor's supervision. •Intermediate care: Also provided by professional health care providers but on a less frequent basis than skilled care. •Custodial care: Personal care that's often given by family caregivers, nurses' aides, or home health workers who provide assistance with what are called "activities of daily living" such as bathing, eating, and dressing....
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Aug
12
Healthcare in Retirement
Healthcare in Retirement What health care benefits are available in retirement? Health care in retirement is available from many sources. Government programs (such as Medicaid and Medicare) offer numerous health care benefits. However, you may need to purchase supplemental health insurance or Medigap, as well. Most Americans are eligible to begin receiving Medicare benefits at age 65, but qualifying for Medicaid may require some planning on your part. In addition to these resources, you may also be entitled to military health care benefits if you are a veteran, retired servicemember, or the spouse or widow of a veteran or retired servicemember. Continuing care retirement communities and nursing homes also offer health care services for...
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Jun
09
New Law Brings Some Changes to Medicare
New Law Brings Some Changes to Medicare The Medicare Access and CHIP Reauthorization Act of 2015 (MACRA) became law on April 16, 2015. In addition to extending funding for the Children's Health Insurance Program (CHIP), this act modifies certain Medicare provisions. If you are currently covered by Medicare or will be in the near future, you may be interested in learning more about these changes, including the ones summarized below. Health-care quality and cost control initiatives · The physician payment cut that has been debated for several years has been permanently repealed, and the law includes annual payment increases for physicians for some Medicare services. This may help ensure that patients will have continued access to...
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 Securities, insurance products, and investment advisory services offered through FSC Securities Corporation, member FINRA/SIPC. Additional insurance services offered through SGM Agency, LLC. Smith, Moses & Company, LLC and SGM Agency LLC are not affiliated with FSC Securities Corp.



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