Posts

Image
Medicare Confusion Could they possibly make it any more confusing to choose a Medicare policy?  I'm going to go ahead and warn you that it would be impossible.  I'm a guy of average intelligence who has managed businesses grossing millions of dollars a year, but when it came to figuring out this Medicare situation it was a nightmare.  So here goes what you really need to know: MEDICARE PART A :  Everyone gets this as soon as you turn 65.  You get it even if you are still working and have employer sponsored health care insurance.  Understand that if you do have health care through your employer, it automatically becomes your primary policy.  The only time part A will kick in is if you have maxed out your employer sponsored insurance, which in my case was "never". Part A pays for services you need that require hospitalization.  That's a little ambiguous as well, as it also covers services performed in a surgery center or a specialty center for certain disea
Image
Social Security. Retirement came this month.  I've only been waiting for the event for 70 years, and now here it is. From the photo, you can probably guess where I worked; but only for the past 13 of 48 years.  All my time has been in the retail business of one type or another, and that's a rough 48 years on your feet almost all day, 10 to 12 hours a day, 5 days a week. The way we buy and sell merchandise has changed as much over the past 48 years as I have.  If you looked at either of us then and now, you'd say there's no way we could be the same people.  I saw a photo of my high school class at the 50th reunion (which I did not have an opportunity to attend) and thought "Who are all those old people?"  I didn't recognize a one of them.  If I had been able to show up, I'm guessing none of them would have recognized me.  In fact, I'm sure of it because I haven't seen but one or two of them since the spring of 1966! I worked till 70 be