retirement
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Long-Term Care Insurance Costs: What to Expect
The chances you will need long-term care are getting higher the longer you live. That's an expensive proposition, especially since Medicare only pays for short stays in long-term care facilities.
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Accessing Your SSI Award Letter: Online & Offline Options
You can get a copy of your Supplemental Security Income (SSI) award letter online or at a local Social Security office. If you're willing to wait for the mail, you can also request the letter by t
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Legitimate Freebies & Discounts for Seniors: A Guide
When people reach their senior years, they're eligible for some freebies, but not all freebies are legitimate. Fraudsters often use free items to hook seniors into scams. The adage, "if somet
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Understanding Social Security Leveling: Early Retirement Options
Social Security leveling is a feature offered by some private pension plans that can make it possible to take an early retirement. While its name refers to Social Security, leveling does not affect yo
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Food Stamps for Seniors: Eligibility & How to Apply
The Supplemental Nutrition Assistance Program, formerly called food stamps, provides financial help to those in low-income households to cover the cost of food. Most people are eligible to apply for b
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Executor vs. Personal Representative: Understanding the Terms
Within the context of wills and estates, there is no difference between an executor and personal representative. The term "personal representative" is merely a gender neutral appellation for
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ESOP Loans: Can You Access Your Funds Early?
An employee stock ownership program, or ESOP, is an employer-sponsored, qualified retirement plan offered by employers to their employees. While the Internal Revenue Service mandates annual employer c
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Survivor's Pension Benefits: What Rights Does a Widow Have?
A pension is a benefit that a retired employee or veteran receives regularly. When a pension recipient dies, his spouse may be entitled to receive her husband's benefits. Depending on the type of
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Average Retirement Income for Couples: A Comprehensive Overview
Since Social Security retirement benefits are not always enough to make ends meet, retirees often supplement their benefits with income from various sources, including investments, pensions and part-t
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Pension Present Value Calculation: A Comprehensive Guide
A pension consists of a stream of payments to an individual beginning at a designated future date. The present value of such pension payments is based on the number of payments, the amount of each pay
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Medicaid Eligibility Without Employment: A Comprehensive Guide
Medicaid is a federal program administered through each state to help individuals and families who have low income afford to pay for medical care. If you aren't earning a paycheck, then there is a
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CRSC Claim Guide: Maximize Your Military Retirement Benefits
Filing for Combat-Related Special Compensation (CRSC) gives military retirees the opportunity to collect their military retirement pay in addition to disability compensation from the Department of Vet
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Removing an Executor: A Guide to Probate Court Petition
An executor of a will is the person responsible for administering the decedent's estate during the probate process. This position gives the executor broad rights of access to the estate and may re
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Social Security Loans & Advances: What You Need to Know
The Social Security Administration pays retirement and disability benefits to those who qualify by contributing to the system through payroll taxes. In addition, the Supplemental Security Income progr
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Transferring Pension to RRSP: A Comprehensive Guide for Canadians
Canadian employees are generally entitled to transfer assets held in their registered pension plans (RPPs) to their Registered Retirement Savings Plans (RRSPs) without penalty. Transfers to the RRSP d
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Early Pension Access: Understanding Your Union Carpenters Retirement Benefits
Union pension benefits may amount to a significant portion of your retirement plan. Your pension benefits give you a guaranteed income for life. These benefits are funded by your employer and are guar
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Understanding Short Certificates: Estate Administration Explained
Called "short" because it is usually printed on a half-sheet of paper, a short certificate is issued to the person appointed to handle a decedent's estate. It is a legal document that is
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Illinois TRS Loans: Understanding Your Options & Eligibility
The Teachers' Retirement System of the State of Illinois (TRS) provides retirement benefits for full-time, part-time and substitute public school teachers, other than those teachers working in the
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Impact of a Roommate on Social Security Disability Benefits (SSI & SSDI)
The Social Security Administration actually runs two different disability insurance programs: Supplemental Security Income and Social Security disability insurance. The first, SSI, is means-tested. Th
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Social Security & Railroad Retirement Benefits for Spouses: A Comprehensive Guide
The Railroad Retirement Act and the Social Security Act overlap to provide annuities and benefits to retired railroad employees, to their spouses and even to their divorced spouses under some circumst
retirement
- Verify Your Georgia Medicaid Status: A Comprehensive Guide
- Closing a Retirement Account: What You Need to Know
- Estate Planning: Living Wills & Child Custody – Protect Your Family's Future
- Revocable Living Trusts & Capital Gains Tax: What You Need to Know
- Working While Receiving Pension Benefits: Your Rights & Options
- Federal Retirement Pay: A Comprehensive Calculation Guide
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Checking Accounts for Teens: What 16-Year-Olds Need to KnowTeens can have a checking account. Many 16-year-olds start working and earning a paycheck for the first time once they get a driver's license. At this point, you may want to open a checki...
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Wirecutter: Expert Product Reviews & Recommendations | The New York TimesThe New York Times bought Wirecutter, an online product recommendation service, for more than $30 million in October 2016. Wirecutter had been giving consumers a thumbs-up for various products since 2...
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Overcoming Debt Fear: A Case Study in Taking ActionLast night, as I do from time to time, I met with a GRS reader. Actually, Debbie doesnt read this site but her sister does. And Debbie means to. Although I met Debbies sister last year at a Camp ...
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Retirement Savings Strategies: Maximizing Your Nest Egg in Your 40s, 50s & 60sIt’s not too late to start saving for retirement. Thirty-seven percent of all employees age 35 to 44, and 34 percent of employees age 45 to 54 have less than $1,000 saved for retirement, ...