ArcaMax

Reader Alert: You may remember reading about this scam in the Toni Says column several months ago. Below is an email the Toni Says team received from a reader in Arizona just last week.

Toni,

I am concerned about a phone call I received from Medicare with my personal information which the agent was verifying. He told me that I would receive...Read more

I feel guilty when I repeat information in a column. But sometimes a message I delivered in an old column just demands to be repeated. And I was reminded of that this week when I got more than a few emails from readers who all said basically the same thing. It usually goes like this: "It's so hard to stay current with Social Security because the...Read more

Toni,

My Medicare began June 1, and I received my first bill about a week ago. This bill is for 4 months from June 1 to Sept. 30 and is over $700. I thought Medicare was monthly. If I pay this amount, due on July 25, then I cannot pay my rent for August.

I was wondering if Medicare allows payments for Medicare Part B premiums to be monthly....Read more

Disability benefits for senior citizens: It's a topic I've written about before. But because older folks are always asking me about getting disability benefits from Social Security, I don't mind updating the column every year or so.

First, here are some ground rules that vary depending on your age. If you are over your full retirement age, ...Read more

Hello Toni:

My question is: If I change to a Medicare Advantage plan in the fall and find out it's not working for me, what are my chances of returning to Medicare and a supplement? I have a Medicare Supplement Plan F that is over $300 monthly and am looking for something more reasonable. I am a 78-year-old female, in fairly good health.

I ...Read more

I've discussed this issue before in this column. I am a Social Security expert. I know all about the rules and regulations that can affect your Social Security benefits. But I am NOT a financial planner. I rarely tell people when to apply for their Social Security benefits. I give them all the facts and then let them decide, sometimes in ...Read more

Hi Toni:

Recently, I had a bad car wreck and ended up with a minor concussion from hitting the windshield. My wife was not hurt. I am 55 years old and have not thought about long-term care planning due to a life-changing event. I work for a large company and the company’s financial advisor has never discussed this with me. What do I need ...Read more

When I talk to various groups and organizations about Social Security, my PowerPoint presentation includes a slide with a bar graph that shows the most common sources of income for elderly Americans. As you might guess, the longest bar on the graph is Social Security. About 85% of seniors get a Social Security check. Other bars on the graph ...Read more

Hello Toni:

I’m turning 65 and not planning to retire until I’m 70. I am a federal employee working full-time as an agent for the IRS.

I’m receiving conflicting information that is confusing me. Friends who read your Toni Says Medicare articles are advising me to enroll in Medicare Parts A and B when I retire to keep from receiving ...Read more

I frequently get questions from soon-to-be retirees who have heard about a "family maximum" that applies to Social Security benefits, and they are afraid that rule will reduce the benefits they are due as a couple. Or similarly, they have been told there is some kind of marriage penalty associated with the payment of benefits to married couples....Read more