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Medicare Costs in Retirement

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Tags: Medicare, Medicare supplement plans, retirement planning

Health care expenses should be a big part of your retirement plan as lifetime costs for a couple retiring this year can total more than $265.00, according to a new study.  And that's just the basics of covering Medicare costs.  Add on dental, vision and out-of-pocket expenses and the estimate climbs to almost $400,000.  That's why it is important to carefully consider the type of Medicare plan you buy and to check that plan every year to make sure it is still the right fit at the right price.

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Plan for Retiree Health Care Costs

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Tags: Medicare supplement plans, Retiree health insurance, retirement planning

The good news is that retiree health care costs have stopped the steady cllimb.  The bad news is that on average a couple retiring this year will expct to pay $220,000 on average during their retirement years for health care.  So there is good reason to be smart about buying the right Medicare plan and making sure you understand the plan you have.  Begin with knowing whether a Medicare Supplement or Medicare Advantage plan is better for you.  Then check it every year to make sure it's still right. or if you have a life event or health event that might change your needs.

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Seniors: Here’s Where Your Money Goes

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Tags: Medicare supplement plans, Retirement, retirement planning, seniors

The baby boomers have ushered in a different kind of retirement.  That’s good and bad when it comes to how they spend their money compared to previous generations.  A new report compares spending habits of today’s 65+ group compared to those 65+ 20 years ago.

What they found might surprise you – and make you wonder how you are spending your money in retirement.  And can you be smarter about some of your expenditures so you don't overpay?

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The Real Retirement Age

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Tags: older workers, Retirement, retirement planning

As the baby boomers age, there is lots of talk about working longer, self employment, and encore careers.  Many say they want to work longer to keep busy and for the social interaction.  Others say it’s a financial decision – they need to keep working to pay the bills.

But here’s the catch.  Researchers find that while people say they plan to work well past 65, the reality is most people retire at 62. 

Why the gap between expectation and reality when it comes to retirement?

 

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$6.6 billion in Long Term Care Insurance Benefits Paid in 2012

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Tags: caregivers, Long Term Care, long term care insurance, retirement planning

If you think long term care is expensive, you are right.

Just look at what long term care insurance companies paid out last year for care services.

More than 264,000 individuals received long term care insurance benefit payments of $6.6 billion last year, according to the American Association of Long Term Care Insurance.  Here’s three important facts about those claims for anyone thinking about buying long term care insurance.

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5 Things Retirees Dont Miss About Working

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Tags: Retirement, retirement planning

We spend our working life planning and saving for retirement.  But, when we get there we end up missing some  things about working life:  Mostly we miss the people, according to a new survey of retirees 55 to 75 years old.

But there are lots of things that make saying goodbye to the workplace worth it.  Here are 5 things retirees don't miss about the workplace.

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Baby Boomer Women Face Retirement Challenges

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Tags: baby boomers, Retirement, retirement planning

The Olympics were remarkable in so many ways and the strides that women are making in sports are truly amazing.  In the 2012 Olympics there were more women competing than men.  There were packed and enthusiastic crowds for many of the women’s competitions such as soccer and beach volley ball.

Women are also making strides in closing the income gap, according to a new study.  Women control over 27% of investable assets worldwide. In households where both spouses work, the percentage of women who earn more than their husbands have increased from 18% in 1987 to 29% in 2009.

Yet, when it comes to being financially prepared for retirement women aren’t making the gains one might expect. 

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A Pension is No Guarantee

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Tags: Retirement, retirement planning

If you are lucky enough to have a pension (a defined benefit plan that sends a check every month) then it's increasingly important to know about the health of your pension plan. Just like individuals and their 401 K's, pension plans got hit hard by the recession. That left many underfunded and unable to meet their pension obligations to individuals.

This article from Kiplinger's points out that the Pension Benefit Guarantee Corporation (PBGC) took over 129 plans last year and 2010 looks like it will be event worse.

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