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Paul Bersebach/The Orange County Register/TNS

New congressional effort tries to ensure seniors have access to legal services

There’s a new, bipartisan congressional effort underway to support senior legal hotlines.

Led by Reps. Derek Tran, D-Orange, and Brian Fitzpatrick, R-Pennsylvania, the bill establishes a competitive grant program to ensure hotlines are appropriately staffed with trained attorneys and paralegals, can provide older adults with support services,...Read more

Medicare Supplement Insurance (Medigap) is a private insurance policy that covers costs not picked up by Original Medicare. (Dreamstime/TNS)

Toni Says: What is a Medicare Supplement guaranteed issue plan?

Senior Living / Toni Says /

Dear Toni:

I have decided to retire when I turn 65 in February and need to enroll in Medicare Parts A and B. My husband, Harry, is 74, and he enrolled in Medicare Parts A and B when he turned 65, remaining on my employer benefits with health issues.

His primary doctor’s office manager expressed concerns because of my husband’s intense lung...Read more

Social Security and You: Protecting Your Right to Benefits

This column will discuss a special procedure that the Social Security Administration routinely uses to help individuals protect their rights to potential benefits. It's called a "protective filing date." In a nutshell, if you contact the SSA and tell them you intend to file for some kind of Social Security benefit and give them your name and ...Read more

Dreamstime/Dreamstime/TNS

High suicide rate among seniors is a tragedy for entire community

While many people will be enjoying the next few weeks surrounded by friends and family, many of our neighbors will be isolated, especially those in their senior years.

This isolation can contribute to depression and other disorders, which in turn can contribute to the rising levels of suicide or suicide attempts among the senior population.

A ...Read more

On page 56, the Medicare handbook explains that Original Medicare doesn't cover dental services like routine cleanings, fillings and tooth extractions or items like dentures. Original Medicare may pay for dental services that are specific to medical procedures such as a heart valve repair or replacement, an organ transplant or cancer-related treatments. (Dreamstime/TNS)

Toni Says: Losing COBRA benefits with dental and enrolling in Medicare … What do I do?

Senior Living / Toni Says /

Dear Toni,

I am currently on COBRA with dental benefits. I will need dental insurance when I lose my COBRA benefits after enrolling in Medicare at 65 in March. The only dental plans I am finding are in Medicare Advantage HMO/PPO plans. The office manager of my cardiologist’s office advised me not to go in the Medicare Advantage direction ...Read more

Social Security and You: How to Handle Social Security Issues When Someone Dies

Every couple of years, I like to cover a topic that confuses almost everyone. And that confusion comes at a time when they have so many other things on their minds. I'm talking about handling the Social Security affairs of someone who has died.

Of course, there are many different potential scenarios involving the death of someone. But for today...Read more

Cornelius20/Dreamstime/TNS

How to save for retirement when you’re in your 50s

Once you reach your 50s, it is crunch time for saving for retirement. If you set a retirement savings target but have been neglecting it, you need to dust it off for a careful review. (Working with a financial advisor can help get you back on track.)

Once you’ve reacquainted yourself with the financial destination you want to reach, take ...Read more

Tammy Ljungblad/Kansas City Star/TNS

Why a young piano student lives alongside retirees: ‘Music chose me’

KANSAS CITY, Mo. -- When Narem Palomino Pardo isn’t studying for his master’s at the University of Missouri-Kansas City, performing with the UMKC Conservatory Wind Symphony or practicing the piano, you might find him in an unusual position: doing yoga with people nearly three times his age.

Palomino Pardo now lives at Claridge Court in ...Read more

Dominic Di Palermo/Chicago Tribune/TNS

Volunteer Corps connects 50-year-old-plus set with a chance to help those in need

CHICAGO -- What does retirement look like for you?

For a West Lawn resident with an electrical engineering degree, retirement entails spending a part of his week fixing electric appliances donated to Habitat for Humanity’s South Side ReStore.

For a former WBBM-Ch. 2 reporter and anchor/reporter at WMAQ-Ch. 5, retirement includes assisting ...Read more

A life insurance policy can help cover your end-of-life costs, and this plan will help to give peace of mind knowing there will not be a financial strain caused by unforeseen debt that the family may be responsible for paying. (Dreamstime/TNS)

Toni Says: Life insurance options after 65

Senior Living / Toni Says /

Hi Toni:

Recently, you wrote an article explaining hospice. Please let readers of your column know that there are other ways hospice comforts the caregiver when a loved one passes. My mother’s hospice case manager and also her social worker made sure that I knew exactly what to do for her final needs when she finally peacefully passed away.

...Read more

Social Security and You: Giving Thanks for Social Security

It has become a bit of a tradition for me to run an annual Thanksgiving column. I always think this is a good time of the year to remind people what Social Security is all about.

I'm going to suggest that we Americans give thanks for the Social Security program. I know lots of people like to think that the "good old days" (before Social ...Read more

Kathy Witt/Kathy Witt/TNS

Travel Trending with Kathy Witt: Atlas Ocean Voyages immerse visitors in the splendor of Antarctica

Travel to the end of the earth—as Ushuaia, Argentina, is called. Then travel beyond it, to the islands, coves and research stations of Antarctica, a remote and mysterious land experienced by only a handful of visitors each year.

Recently, we joined 153 other adventure seekers in the relaxed luxury of Atlas Ocean Voyages’ World Voyager—the...Read more

Peter Steffen/dpa/TNS

How to take care of your heart – from the age of 50 at the latest

BERLIN — People aged 50 and over can help prevent heart disease and gain years of life by having key health values checked regularly, health experts say.

A cardiovascular health check should become a regular part of preventive care no later than age 50, and preferably from 35, according to the German Heart Foundation. In the UK, meanwhile, ...Read more

The Centers for Medicare and Medicaid Services (CMS) released the 2026 Medicare costs last Friday, Nov. 14, with an increase for both Medicare Parts A and B premiums and deductibles. (Dreamstime/TNS)

Toni Says: 2026 Medicare deductibles and premiums are released!

Senior Living / Toni Says /

Hello Toni:

In the new Medicare & You Handbook that I received about a month ago, I cannot find what the 2026 Medicare costs and premiums will be. I would like this information because I have been diagnosed with a heart condition and will need to undergo heart surgery next year. I have looked online and cannot find the costs there either.

Do ...Read more

Social Security and You: Why Did I Start Getting More Money from Social Security?

I got a letter recently from the Social Security Administration. It told me that my monthly Social Security benefit was going up by a few bucks each month. And why was that? As the letter explained, they finally got around to factoring in my 2024 earnings into my benefit calculation. Those additional earnings boosted my monthly Social Security ...Read more

Health care professionals in the hospice system consist of physicians, nurses, social workers, spiritual counselors, certified nursing assistants and volunteers. (Ocskay Bence/Dreamstime/Tribune Content Agency)

Toni Says: Hospice and Medicare explained

Senior Living / Toni Says /

Dear Toni,

As a certified case manager and critical care unit RN, I advise adult children who are seeking help for a parent or spouse who is having end-of-life issues. Those who have serious health care issues should be offered every option for proper planning with end-of-life care, especially hospice!

Can you explain hospice and respite care ...Read more

Beginning January 1, 2023, Medicare’s General Enrollment Period rules changed. Now when you enroll in January, February or March, your Medicare Part B, which covers medically necessary outpatient services, will begin on the first day of the following month. Wait past March 31 to enroll in Medicare and your Medicare enrollment time will be delayed until January 1 of the next year, receiving a higher Part B penalty that will go all the way back to the month you turned 65.(Dreamstime/TNS)

Toni Says: What is Medicare’s infamous Part B penalty?

Senior Living / Toni Says /

Toni:

I need your help! I have discovered that my mother, Sarah, who is 67, never enrolled in Medicare Part B or a Part D prescription drug plan when she turned 65. She enrolled in Medicare Part A, which doesn’t have a premium, so that she could pay her monthly bills. A friend told my mother that if she did not go to the doctor, my mother ...Read more

It is extremely important that the 69 million Americans who are on Medicare visit www.medicare.gov to verify that ALL of their prescriptions are covered, whether they have a stand-alone Medicare Part D plan or a Medicare Advantage HMO/PPO plan with a Prescription Drug plan included. (Dreamstime/TNS)

Toni Says: Help! My brand-name prescription drug is not covered by Medicare’s 2026 Part D plans

Senior Living / Toni Says /

Hello, Toni:

You helped me sign up for a Medicare Supplement Plan G and a Medicare Part D prescription drug plan; both plans started January 2021. These two plans have served me well so far.

I just received information that my current Part D plan will no longer cover the Humira that I take twice a month as an injection for ...Read more

The Medicare skilled nursing qualification rule is explained on page 28 of the 2026 Medicare & You handbook in the section headed “Am I an inpatient or outpatient?” One must learn that a stay in the hospital does not always mean you are an inpatient and that you qualify for Medicare Part A skilled nursing facility care. If not, you may have to pay 100% out of your own pocket. (Dreamstime/TNS)

Toni Says: Who pays for a skilled nursing stay, Medicare or you?

Senior Living / Toni Says /

Dear Toni,

My husband recently fell from a ladder, shattered his hip and broke his right leg. After having emergency surgery, Jim is having a stay in a skilled nursing facility for his rehab to learn how to walk on his repaired hip.

A friend recently had a skilled nursing stay and was billed more than expected because she did not have the ...Read more

 

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