Senior Living
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Caring for aging parents is getting more expensive
Costs are soaring for people who care for their older parents and other family members, according to a new study.
Out-of-pocket expenses are nearly 60% higher than they were just five years ago for family caregivers, who now spend an average of $11,508 a year on caregiving, according to a report released this week by AARP, a nonprofit that ...Read more
Caring for aging parents is getting more expensive
Costs are soaring for people who care for their older parents and other family members, according to a new study.
Out-of-pocket expenses are nearly 60% higher than they were just five years ago for family caregivers, who now spend an average of $11,508 a year on caregiving, according to a report released this week by AARP, a nonprofit that ...Read more
Toni Says: ‘I’m turning 65 in May. Should I do anything during Medicare’s Open Enrollment Period?’
Toni,
I’m turning 65 on May 12, 2027, and I need your help! Why am I receiving so much mail and so many emails and phone calls when my Medicare does not begin until May? What should I be doing during this Medicare season? Insurance companies and agencies all claim their plan is the best. They all offer the same thing, with ...Read more
More Social Security Reform Proposals
In a recent column, I discussed the issue of the future of Social Security. I pointed out that there are many ideas for reforming Social Security that will keep the system solvent for generations to come. I told you that my book, "Social Security -- Simple and Smart," has a chapter that explains Social Security financing and also includes eight ...Read more
Is it aging or Alzheimer’s? Knowing your risk can help you act on it
FORT LAUDERDALE, Fla. — Is your memory faltering, or are you experiencing early signs of Alzheimer’s? Does your family history mean you are more likely to develop the disease?
Learning your Alzheimer’s risk — and taking steps to curb it — is getting easier in South Florida with less invasive, more accessible, and more accurate testing...Read more
Is it aging or Alzheimer's? Knowing your risk can help you act on it
FORT LAUDERDALE, Fla. — Is your memory faltering, or are you experiencing early signs of Alzheimer’s? Does your family history mean you are more likely to develop the disease?
Learning your Alzheimer’s risk — and taking steps to curb it — is getting easier in South Florida with less invasive, more accessible, and more accurate testing...Read more
Older Americans want to keep traveling. It isn’t always easy
SAN JOSE, Calif. -- Sitting in a wheelchair near her gate at San Jose Mineta International Airport, 72-year-old Kurtetha Leatores had given herself plenty of time before her flight home to Southern California.
For Leatores, who has had three strokes and was preparing for heart surgery, getting on the plane isn’t necessarily the hardest part ...Read more
Simple lifestyle changes men should make every decade, medics say
LONDON — Campaigns are helping propel the topic of men’s health into the mainstream, sparking more open conversations about issues like mental health and prostate cancer that were previously often overlooked or brushed under the carpet.
As men age, their bodies go through significant changes and it can be easier to dismiss new aches, ...Read more
Toni Says: Steps for a successful Medicare Open Enrollment Period
Toni,
I enrolled in Medicare in 2025 but have not received my 2027 Medicare & You handbook, and I’m concerned about what I should do during the fall Medicare season. I have health problems, and I might make the wrong change to my Medicare or prescription drug plan. My brother said that on the cover of his Medicare & You handbook it says to go...Read more
Social Security and You: Social Security COLA for 2027
In early October of every year, the Bureau of Labor Statistics releases its much-anticipated report on changes (usually increases) to the Consumer Price Index over the past 12 months. Why is this little esoteric government report -- actually called the Consumer Price Index for Urban Wage Earners and Clerical Workers -- so popular? Because for ...Read more
60 going on 75: Poor people shown to age faster
GENEVA — A team of Canadian and Swiss researchers has added to a growing body of evidence that low earners are more likely to be in worse health and age sooner than their more financially secure peers.
“People with less wealth tended to have lower levels of function and suffered larger declines in mobility and ability to perform daily ...Read more
Aging life care managers can be a ‘godsend’ for families
Kristin Martinelli began her workday at 7:30 a.m. on a recent Monday, completing an online Medicaid recertification form for a client in a nursing home in Austin, Texas.
Next, she drove to meet an 85-year-old and her daughter, who had come in from out of town. The older woman had “pretty advanced dementia” and was scheduled to move into the...Read more
Aging life care managers can be a 'godsend' for families
Kristin Martinelli began her workday at 7:30 a.m. on a recent Monday, completing an online Medicaid recertification form for a client in a nursing home in Austin, Texas.
Next, she drove to meet an 85-year-old and her daughter, who had come in from out of town. The older woman had “pretty advanced dementia” and was scheduled to move into the...Read more
Toni Says: Alert! Is your Medicare Advantage Plan terminating coverage effective Dec. 31, 2026?
Hello Toni:
On October 5, I received a termination letter from the Medicare Advantage HMO I’ve been enrolled in for five years. The letter stated that the termination is taking place on Thursday, Dec. 31, 2026.
Currently, I am having cancer treatment in my right lung, with chemotherapy starting in two weeks. I ...Read more
Social Security and Politics
Every couple of years, whenever midterm or presidential elections come around, I like to remind my readers of a few things. And many times, it's in response to emails I get similar to this one: "I'm afraid that this upcoming election will lead to dramatic changes to Social Security. So even though I didn't want to file for Social Security for a ...Read more
Seniors will pay more for Medicare in 2027; big changes coming across all plans
FORT LAUDERDALE, Fla. -- Florida’s 5.3 million Medicare enrollees face a sweeping financial squeeze in 2027 as rising monthly premiums, higher prescription deductibles, and shrinking Medicare Advantage benefits hit simultaneously.
Medicare experts warn that keeping coverage on “autopilot” during Open Enrollment (from Oct. 15 to Dec. 7) ...Read more
Seniors will pay more for Medicare in 2027; big changes coming across all plans
FORT LAUDERDALE, Fla. -- Florida’s 5.3 million Medicare enrollees face a sweeping financial squeeze in 2027 as rising monthly premiums, higher prescription deductibles, and shrinking Medicare Advantage benefits hit simultaneously.
Medicare experts warn that keeping coverage on “autopilot” during Open Enrollment (from Oct. 15 to Dec. 7) ...Read more
Toni Says: Changes, good and bad, to 2027 Medicare Part D plans
Toni:
Last year, I emailed you a problem I was having with the premium for my stand-alone Part D plan, and for 2027 there is an increase, though not as high as it was for 2026. The plan is going up by $16.60 per month, from $94.80 in 2026 to $111.40 for the new 2027 Part D plan, which begins Jan. 1. On the positive side, the Part...Read more
Another Look Back
Maybe all of you are getting tired of Social Security. Why do I think that? Well, I got on my calculator and figured out that in the past 29 years, I have written about 1,500 columns about Social Security. And it's rather interesting to note that I have never had so much feedback to a column as I did to a recent one that had almost nothing to do...Read more
Toni Says: Who pays for a skilled nursing stay ... Medicare or you?
Dear Toni,
My husband, Steve, is having a situation after emergency surgery in January from a fall. He was in a skilled nursing facility for over two months, re-learning how to walk. Since he has Medicare only, he was billed over $1,700 because he did not have a Medicare Supplement or Medicare Advantage plan to pay what Original Medicare does ...Read more






















