By the time we get to retirement age, many of us are taking a few prescription drugs. If we have something chronic, such as diabetes, it may be even more than just a few. The natural place to turn is to Medicare Part D to help cover the costs. But, as we often find in life, it may not be that simple.
Choosing a Part D plan
Medicare Parts A (for hospital costs) and B (for medical costs) are easy; you just sign up with the government to get the insurance and both the costs and the coverage are the same for everyone in the same income categories.
Important things to check out now while they’re still fresh:
This is a guest blog, written by Louise Machinist and Karen Bush, and is based on a presentation they did at a professional conference.
This is an exciting time to be retired. The array of positive aging strategies is expanding as knowledge and lifestyle options proliferate, including innovative shared housing models that allow retirees to enhance both their financial resources and their quality of life.
I know, I know, it’s a very touchy subject. For those of us that went through this with our parents, we know how extremely hard it can be to even talk about it. Driving is the main component of personal independence, both symbolically and in reality. The ability to go where and when we like, without relying on anyone else’s schedule or availability – none of us wants to give that up.
This post will be a regular feature of my blog. It’s a round-up of all the recent health news affecting people in our age group and older.
New shingles vaccine
In January, the FDA approved a new shingles vaccine and it is now becoming widely available. It’s called Shingrix and it is much more effective than the older vaccine, Zostavax. Whether or not you have had a shingles shot before, you should definitely get this one. It’s done in two doses, up to six months apart. Having shingles is horrible and the protection this new vaccine offers is so much better than before; you should get it as soon as possible. If your doctor doesn’t have it (ours doesn’t), try the local CVS or Walmart.
It’s my birthday today and I have to admit that I woke up this morning thinking, “I’m 71 today and I wonder how much longer I have left.” That’s probably a little weird, but it got me to thinking about how to predict life expectancy.
Predicting how long you might live is not necessarily a morbid exercise. A relatively accurate prediction can be useful in a number of ways, including the very important retirement-planning task of estimating how much money you will need to live comfortably for the rest of your life.
Yes, we’ve all heard the advice about keeping your medical records handy and up-to-date. I know this becomes an increasingly important thing to do as my husband and I age and are often afflicted with new ailments and have to see new doctors. I try to do this as well as I can, but it’s tedious and time-consuming and I’m sure there are errors in my records, as well as more than a few gaps.
I have a way to solve this problem.
You forgot to send your daughter-in-law a card for her birthday last week. You can never remember where you left the car keys. You’re watching the rerun of a TV show you know you saw before but you can’t remember who did the murder. Someone in your book group mentions a book you all read three months ago and you’re drawing a blank on the title.
We all go through this and much, perhaps most, of it is perfectly normal. We laugh and call them “senior moments,” acknowledging that an aging brain brings its vexations. Yes, it can be very annoying to not have the right information pop up just when we need it, even though it is part of human nature – at all ages – to forget things from time to time. But for many of us, perhaps too many of us, our forgetfulness has become seriously worrisome. Is it the first sign of real dementia?
I'm Linda Fleit. My husband and I were lucky enough to retire when we were 61, about nine years ago. We love being retired and want to share all that we've learned over the years about this wonderful stage of life.