Showing 50 results of 371
It reduces Social Security applications and new beneficiaries. Enthusiasm seems to be running high for Family and Medical Leave programs. My views are mixed: as a human I can see some benefit; as a pe...
May and June bring a rush of residents and fellows across the country looking to secure disability insurance with their ... Read more...
By Dr. Francis Bayes, WCI Columnist On the WCI Forum or subreddit, I have wondered why people ask questions on topics that have been addressed in WCI blog posts or previous threads: “Please help...
Today, we answer several of your mortgage questions, including if you should put all the money you can toward your down payment or use some of it to pay off student loans and what kind of mortgage you...
Photo credit: jb If you’ve been looking into your Social Security projected benefits for long, you’ve probably run across the term Primary Insurance Amount, or PIA. Click on the link to se...
Owners of trust accounts should review new FDIC deposit insurance rules to be sure they still have maximum coverage....
Check with your automobile insurance company and let them know if you're not commuting after retirement. May get a decrease in premiums with no decrease in coverage. I got a 10% decrease from Progress...
This is not an easily answered question, other than 'when you’re the youngest and healthiest you can be.' Your occupation, habits and extracurricular activities will also affect your premium....
[Editor's Note: As you transition from residency into becoming an attending, it’s key to learn about saving and investing with your increased income, paying off student loans, and getting the ri...
Today, our friend Dr. Tyler Scott is joining Dr. Jim Dahle to talk about disability insurance and help answer your questions. Tyler is a licensed dentist turned financial planner and a columnist here ...
Emergency funds, estate plans, different kinds of insurance and smart investing strategies are all parts of a strong retirement plan....
Pets can be expensive in retirement, not retired yet, 8 more months. We have have 4 pets 2 dogs and two cats. One cat is diabetic so we have the insulin cost every 3 months. We have pet insurance on b...
I love r/retirement. The ideas and different views that I have read are an unbelievable wealth of knowledge. I am 47 & starting to look to the future more closely now. I am retired from the milita...
Hello. I will be 63 in September, my wife 65 in July. We would like to retire together about the end of this year. I will need health insurance for close to 2 years before I turn 65. I have no idea on...
When people aren’t getting a government benefit they’re eligible for, the program’s goal of improving equity is compromised. Social Security’s disability insurance is an exampl...
Thebrief’skey findings are: When the employer cost for employer-sponsored health insurance (ESHI) rises, it slows wage growth and erodes Social Security’s tax base. Both these effects were...
People who are happier in retirement tend to have a few things in common....
Life insurance not only provides liquidity for your family to cover immediate expenses after you pass, but it also can minimize estate taxes....
Life insurance not only provides a safety net for loved ones and leaves behind a lasting legacy, but the cash value can also help during financial hardship....
Figuring out when it’s time and knowing how to talk about it are just the start. You also need info about estate plans, insurance and health care decisions....
I've faced interesting criticism for encouraging my wife to re-enter the workforce after she left in 2015. However, it's important to clarify that she hasn't been truly retired. Instead, she has been ...
By Dr. Jim Dahle, WCI Founder Have I got an investment for you! This investment comes with a 50% front load, meaning that right after you give me the money to invest, half of it will disappear. I will...
I am self employed and my company buys health insurance for our group. Spouse has worked for my company for a couple of years, but was on our health insurance regardless. I will be Medicare eligible 8...
If adopted, Initiative 2124 would make participation in the Washington Cares program voluntary, effectively killing it....
The insurance enhances Social Security’s role of offsetting Black/White inequality. My colleagues have just completed a really interesting study pertaining to the progressivity of Social Securit...
We'll both be 60 this year and I'm 100% ready for retirement. My job sucks and I don't want to do it any more, and we've got ample assets. The trick is health insurance between now and Medicare at ~65...
With about 2 year left on a 20 year policy, we know the rates will go up - quite a bit being 68 in 2024. What alternatives do we have? Take out smaller policies of a smaller denomination? Can I sell o...
The insurance organization partnered with several hip hop stars to bring attention to…...
Spitballing on early retirement and Roth conversions to finish 2023. How can Jack and Diane (no, the other, other Jack and Diane, these are the ones in Rochester, MN) bridge the gap to retirement at a...
Abstract In the three decades from 1980 to 2010, there was a steady rise in the number of men receiving Social Security Disability Insurance (DI) benefits. The number of beneficiaries peaked in 2012 a...
In my post, the percentage of homeowners who pay cash, a reader asked my opinion on having home insurance for paid-off properties. Paid off properties include a property you purchased with all cash or...
Abstract In most disability insurance programs, beneficiaries lose some or all of their benefits if they earn above an earnings threshold. While intended to screen out applicants with high remaining w...
If you are planning on retiring before age 65, there is no doubt that you have had this question. What do you do about health insurance? In the United States, the health insurance landscape is ever-ch...
How to buy life insurance online & 13 life insurance savings tips Key Ideas 3 rules for buying life insurance Where to buy life insurance How much life insurance you need 13 life insurance savings...
How To Avoid The Salesman’s Hype And Focus On What’s Best For You Key Ideas Why life insurance is a negative expectancy bet for the majority of consumers The problem with mixing investing ...
https://www.oregonlive.com/business/2023/11/the-unfulfilled-promises-of-the-long-term-care-insurance-industry.html?outputType=amp Who here has LTC insurance? Our financial advisor recommended against ...
I must admit that until my editor drew it to my attention, I had never heard of infinite banking. Apparently, this topic is drawing a lot of interest from retirees, but I’m guessing many younger...
We have retiree insurance for one person costing $180 per month. We could, however, choose an ACA plan for much less based on our retirement income. Once we cancel the retiree plan we can never get it...
If you have a mortgage, having ample life insurance coverage is critical for protecting your family and home. But there is more than one way to purchase life insurance that protects what is likely you...
Nearly 40 percent of Americans have delayed or skipped necessary medical care in the past year because they couldn’t afford it. How do we stack up to other developed countries? Dead last. Even t...
A multinational that promises to relieve customers facing stressful situations refused to pay after two relatives passed away. Europ Assistance Australia recently declined to reimburse more than $6800...
Spouse passed unexpectedly a couple weeks ago. I am 61 and utterly lost about how to handle insurance. I have never worked and do not have employer options. Should I be applying for 2023 coverage thro...
I (M66) am retired. My spouse (F65) is winding down her business and will basically be retired after the first of the year. Between Social Security and savings we have enough to live on in a reasonabl...
The insurance broker sent us an estimate of policy cost and maximum benefits. I asked for information on price increases over the past several years so that I could get a feel for what to expect. He t...
In December, North Carolina will become the 40th state to expand its Medicaid program, providing health insurance coverage to some 300,000 more low-income workers, many of them for the first time. It ...
Hi, Im getting ready to retire early. My parents have passed but they both needed to move to an assisted living facility toward the end, and fortunately they both had LTC policies that we could tap in...
So hubby just turned 65 and we are comparing Medicare options...the coverage he will have through my employer includes a robust and financially reasonable Medicare advantage plan, but it doesn't inclu...
Life insurance is a frequently overlooked component of retirement planning for various reasons: Some people may already have life insurance in place and think the policy they set up years ago still me...
[Editor's Note: Deadline alert! Thursday, October 12 is the last day you can register early for the best medical conference of the year and save hundreds of dollars while doing it. WCI started the Phy...