Seniors Should Take the Time to Research Their Social Security Payments and Healthcare Premiums

Starting at the end of December, millions of Social Security recipients will start to see higher payments due to the cost-of-living adjustment (COLA) increase. On average, recipients will receive an increase of $39 a month. This will benefit seniors over 65 years old, disabled adults and children, and those who meet the financial limits of the Supplemental Security Income program.
COLA is tied to inflation and during 2010 and 2011 inflation was too low to warrant an increase. Before that, increases had been automatic since the adjustment had been enacted in 1975. The increase comes at a critical time for many individuals in the down economy. That said, individuals must balance this increase in payment with how their Medicare Part D premiums might fluctuate in the next year. The open enrollment period for Medicare is until December 7, 2011 to choose a 2012 plan.
Individuals who want to estimate their Social Security benefits can now do so online as the SSA no longer mails statements. The online tool will show the expected Social Security payments based on an individual's 35 highest-earning years in the U.S. workforce. Payouts are reduced if SSI claims are made before full retirement age. And, spouses are eligible for a survivor's benefit when a higher-earning spouse dies.

http://www.forbes.com/sites/bernardkrooks/2011/11/09/seniors-should-take-the-time-to-research-their-social-security-payments-and-healthcare-premiums/


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