News
Layin" It on the Line: The long-term care crisis in Utah: Why national plans fail here and how to shield your assets (Part 2)
4+ hour, 40+ min ago (267+ words) Last week we looked at some strategies to address the issues of long-term care. Here are some other options to keep in mind: The requirements are'exacting. The annuity must be irrevocable, non-assignable, actuarially sound, and name the State of Utah…...
Layin" It on the Line: The Medicare surprise no one talks about " When health care costs rise after retirement
2+ mon, 2+ week ago (635+ words) For many Americans, Medicare represents relief. After decades of employer premiums, payroll deductions and confusing plan options, retirement feels like the finish line. Finally, health care will be simpler. More affordable. Taken care of. That belief is understandable " but it's…...
Layin" It on the Line: The long-term care crisis 2. 0 " Why the government may force you to buy coverage
5+ mon, 3+ day ago (1107+ words) It started quietly in one corner of the country. In 2022, Washington State rolled out the first program of its kind " a mandatory long-term care insurance tax on workers" paychecks. The goal? Help residents cover the crushing cost of long-term care....
Layin" It on the Line: IRMAA shock " How Medicare"s hidden surtax can drain your nest egg
6+ mon, 1+ week ago (734+ words) Your retirement income could trigger a Medicare penalty you didn't even know existed." Most retirees think of Medicare as a safety net " a predictable, reliable program that helps cover health expenses once you turn 65. But there's a lesser-known trap built…...
Layin" It on the Line: The long-term care tsunami " Will your retirement be swept away?
6+ mon, 22+ hour ago (818+ words) The question isn't if you'll face long-term care costs " it's when. Are you prepared? Picture the ocean on a calm day " steady waves, a breeze in the air, everything in balance. Then imagine, far on the horizon, a massive swell…...
Layin" It on the Line: The Big, Beautiful Bill " What it means for pre-retirees and retirees going forward
7+ mon, 2+ week ago (920+ words) When Congress passed the Big, Beautiful Bill this spring, retirees and those nearing retirement took notice. Officially titled the Retirement Security and Healthcare Enhancement Act, this sweeping legislation aims to shore up trust funds, reduce prescription drug costs, expand tax…...
Layin" It on the Line: Decoding IRMAA " Understanding Medicare"s income-related monthly adjustment amounts
7+ mon, 3+ week ago (434+ words) When it comes to Medicare, premiums don't always stop at the standard rate. If your income exceeds certain thresholds, you may pay more through the income-related monthly adjustment amount, better known as IRMAA. For many pre-retirees and retirees, understanding IRMAA…...
Layin" It on the Line: Planning for health care costs beyond Medicare " Are you prepared for the unexpected?
10+ mon, 4+ day ago (826+ words) We all know life throws us curveballs. Retirement is supposed to be the time when you finally relax and enjoy what you've worked for " but what happens when an unexpected medical issue blindsides your plans? What Medicare doesn't cover First,…...