ArcaMax

Dear Toni,

My wife, Joyce, who is not yet 65, was released from her job in February and our joint income has changed because she is no longer earning $230,000 per year. My Social Security check for 2026 is $4,000 monthly. I began taking my Required Minimum Distributions (RMDs) from my 401(k) when I turned 73 last October. For 2026, Medicare ...Read more

The accident happened in Pittsburgh on Nov. 16. Joseph Masterson, a lawyer who was just days from retiring at age 63, suffered cardiac arrest while driving, plowed into a guardrail, and lost consciousness.

Other drivers stopped, broke the car window, and pulled him to safety. A passing volunteer firefighter performed CPR until an ambulance ...Read more

The accident happened in Pittsburgh on Nov. 16. Joseph Masterson, a lawyer who was just days from retiring at age 63, suffered cardiac arrest while driving, plowed into a guardrail, and lost consciousness.

Other drivers stopped, broke the car window, and pulled him to safety. A passing volunteer firefighter performed CPR until an ambulance ...Read more

Dear Toni,

I need your help! I made a big mistake and enrolled in Medicare when I turned 65 in January due to the marketing phone calls I received, telling me it was time to.

My company’s HR department advised me to disenroll from Medicare because I am still employed with employer benefits. Please explain how to disenroll properly. Thanks, ...Read more

We often think of homebuyers as young people — newlyweds and couples with small children — but baby boomers actually make up the majority of those buying a home in the U.S. Still, according to recent studies, older adults face higher rejection rates for home lending products than younger borrowers. If you’re looking to secure a mortgage or...Read more

LONDON — Showering your grandchildren with gifts and treats comes from a place of love and excitement, but what impact could this type of spoiling have in the long term?

We spoke to Counselling Directory member Annabelle Hird, a BACP-registered counselor who specializes in supporting parents and carers, who explained why overindulging ...Read more

From mobile home parks in Maine to modest apartments in California, seniors desperately need rent control to protect themselves against skyrocketing rents charged by predatory landlords. Our grandparents, parents, aunts, and uncles, many of whom live on fixed incomes, face serious, life-altering consequences if politicians don’t protect them. ...Read more

Dear Toni,

I had no problem opening the “My Social Security” account to enroll in Medicare because I knew those answers. When it came to filling out the application for Medicare, that was another story.

I had a problem with Medicare’s personal questions. I knew my name, address, date of birth, and Social Security number; when it came to ...Read more

MIAMI — Martin Hochheiser was overjoyed when nurses told him he was going home to his North Miami Beach condo after a brief hospital stay — until the medical van began veering west toward Hialeah.

His dread turned to panic when Hochheiser, 79, was unloaded at Villa Rosa III, a 48-bed assisted living home with peeling paint, burglar bars, ...Read more

MIAMI — Martin Hochheiser was overjoyed when nurses told him he was going home to his North Miami Beach condo after a brief hospital stay — until the medical van began veering west toward Hialeah.

His dread turned to panic when Hochheiser, 79, was unloaded at Villa Rosa III, a 48-bed assisted living home with peeling paint, burglar bars, ...Read more

Hello Toni,

I’m retiring January 1, 2027, and beginning to research what is the right Medicare option for me and my wife, Jennifer, who is receiving breast cancer treatment. Jennifer’s cancer drugs are expensive, and I am concerned about the Medicare Part D out of pocket. I am a diabetic, use a flex pen and take high blood ...Read more

Toni:

On March 5, I received a Medicare.gov newsletter by email, and I am worried that I may have fraud on my Medicare.gov account. I received my current Medicare summary by mail with a Medicare claim from a medical office that I am not aware of visiting. I’m ...Read more

Toni:

Why did a hospital medical claims employee ask my husband Steven to sign a form stating that he is aware that he is now in his “lifetime reserve days”? He is waiting for a lung-heart transplant.

Steven went into the hospital in December of last year for congestive heart failure and discovered that his heart and lungs could no longer ...Read more

Dear Toni:

I retired from my employer in July when I turned 67 and enrolled in COBRA, which began August 1, instead of enrolling in Medicare. I was told that COBRA protected me from the Medicare penalty for 18 months.

My sister showed me a topic about Medicare’s Special Enrollment Period in her 2026 Medicare & You Handbook ...Read more

Dear Toni,

My husband, Jason, is a retired veteran and never enrolled in Medicare because he uses the VA for his medical care and does not have to pay the Medicare premium. He is having heart issues and wants to go to a local cardiologist. The doctor’s office advised that he enroll in Medicare since this office will not bill the VA facility ...Read more