Claiming Your Social Security the Wrong Way is Costly!
Tips for Claiming Your Social Security Toni: I work for local Oil Co and have lost my job. I’ve filed for unemployment and it will not even begin to pay my monthly bills. I’ve just turned 62 and I’ve been told I can begin receiving a Social Security check. Is this a...
I Retired… COBRA Was NOT the BEST Choice for My Husband’s Medicare!!
Don’t Wait to Enroll in Part B When Retiring and Enrolling in COBRA! Dear Toni: I am a 62 year old female who was a Vice President of the company which I retired from June of 2014. My husband is 75 and has always been carried on my health insurance policy. I was...
Bad Medicare Information Cost Me $5000 a Year!!
Not Understanding Medicare Part A and HSA Can Be Costly Hi Toni: I am 65 almost 66, “still working” and covered entirely by my company with a HSA insurance plan. I put about $5,000 per year into a tax-sheltered account for medical expenses. When I went to the SS...
“Granny Scams” Swindling Elderly Out of $$Billions$$
Granny Scams are Swindling the Elderly Out of Billions Good Morning Toni: Monday, Channel 2 exposed a “granny scam” which stole $thousands from an elderly woman who thought her adult daughter was kidnapped. This is the second scam that I have heard about in the last...
Filing For Your Ex-Spouse’s Social Security
Divorced!! How Do I File For My Ex-Husband’s Social Security Check?? Hello Toni: About 10 years ago, I was divorced after 25 years of marriage. I was the stay-at-home mom with 4 kids while my husband worked each day and grew his company to over 60 employees. Now that...
Why Do I Need Part D…I Don’t Take Any Meds!!
Why Enrolling In a Part D Medicare Drug Plan Is So Important Dear Toni: I have been told that Medicare does not cover drugs when you are in an emergency room? My mother went in the hospital from the ER for 2 days and because it was considered “under observation, we...
Doctor’s Advice…Get Traditional Medicare — What’s That?
What is Traditional Medicare? Good Morning Ms. Toni: Have been reading your column for over a year and now I need some Medicare help. I am retiring and turning 65 in October. I had a triple bi-pass in April of this year. Last week I talked with the office manager...
Claiming Your Social Security the Wrong Way is Costly!
Toni: I work for local Oil Co and have lost my job. I’ve filed for unemployment and it will not even begin to pay my monthly bills. I’ve just turned 62 and I’ve been told I can begin receiving a Social Security check. Is this a good option? I’ve been told that I...
$20 Billion Available to Vets or Vet Spouses That Have a Long Term Care Need!
Dear Toni, I have read your column with great interest for years knowing that one day this time would come. My mother is almost 88 years old and in dire need of help at home with everyday routines, such as bathing, dressing, toileting, shopping and meal...
Self Employed with Retiree Benefits… Why Do I Need Part B??
Good Day, Toni: We saw your answer about Medicare Part B in an article online and our situation is different. My wife and I have recently turned 65, me this May and Carol July 8th. We have signed up for Medicare Part A only. I retired 2 years ago with fantastic...
Need Help Disenrolling from a Medicare Advantage Plan Mistake!!
Good Morning Ms. Toni: The first week, my wife and I moved to Houston from Oklahoma, I had a wonderful surprise in my front yard and there was your Medicare column discussing different Medicare option for someone who has cancer. I am 70 years...
Houston…We Have a Problem!! Be Prepared if You Are Laid Off!!
Toni: I work in the oil industry and April 9th I was laid off as many others have been. I am 67 and my wife who is covered under my group plan is 66. My group benefits ended the next day April 10th. Making things worse, I was asked to put my personal belongings in a...
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