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Healthcare

3 Reasons to Plan for Long-Term Care Cost

healthcare in retirement

A research study from the National Bureau of Economic Research estimated that an average 50-year old has approximately a 53% to 59% chance of entering a nursing home during their lifetime. And, 14% of people need long-term care for longer than five years. When you consider that the average rate for a private room in…

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Reviewing Your Healthcare Needs in Retirement

healthcare costs

Your healthcare needs can change in retirement, as can the way you pay for them. At 65, most Medicare beneficiaries must start navigating a new system. If you are or will be a Medicare beneficiary, one important date that should make it onto your calendar is October 15th. This is the beginning of the Medicare…

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Covering Long-Term Care Costs

Covering Long-Term Care Costs

Some of the major expenses you’ll need to anticipate in retirement are your healthcare costs. There are many choices to make when it comes to choosing a Medicare plan, using an HSA, and qualifying for Medicaid. One healthcare cost that is easy, but possibly detrimental to overlook is long-term care. It’s estimated that 52% of…

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Higher HSA Contribution Limits

Higher HSA Contribution Limits

If you have an HSA or are planning on opening one, you’re in luck: The IRS has announced higher contribution limits for 2020. Starting next year, you can contribute up to $3,550 for individual coverage, or $7,100 for family coverage. And, if you’re 55 or older, you can contribute an additional $1,000 per year. You…

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How to Use Your HSA After You Turn 65

How to Use Your HSA After You Turn 65

Do you have a Health Savings Account (HSA)? If so, you should note that the rules regarding HSAs change when you turn 65. Healthcare costs in retirement are rising, and an HSA can be a good way to cover future medical expenses, both for you and your spouse. However, once you sign up for Medicare,…

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The Rising Cost of Healthcare in Retirement

The Rising Cost of Healthcare in Retirement

We know life is like a box of chocolates – but what about retirement? Do you really know what it holds, or how much it will cost? It’s easy to budget based on your current lifestyle, but what about anticipating major unexpected costs? The truth is that as you get older, it’s likely you’ll have…

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Benefits of Pairing Your IRA with a Health Savings Account

Benefits of Pairing Your IRA with a Health Savings Account

Healthcare costs can skyrocket in retirement, and Medicare only covers so much. A Health Savings Account (HSA) allows you to set aside pre-tax money to pay for qualified medical expenses like deductibles, copayments, and coinsurance to help cover your healthcare costs. An HSA is a great retirement planning tool, especially when paired with an IRA…

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Long-Term Care Myths

Long-Term Care Myths

November is long-term care awareness month. This month it’s especially encouraged for you to start planning for long-term care, or to update your plans according to your lifestyle. If you are in or approaching retirement, long-term care is probably something that is on your mind frequently, because there’s a lot of myths revolving around it.…

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