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Older woman discussing her medication options with a pharmacist at a pharmacy counter 63 Days Without Drug Coverage Can Cost You 1% a Month: How to Check or Dispute Your Part D Penalty You open a letter from your drug plan and see a line you did not expect: a “late enrollment penalty” added to your monthly premium. The charge is small at… Comments 0 2026.11.06
Older woman shopping online on a laptop at home Delivery Text Says You Missed a Package? What the FTC Wants You to Do Before Holiday Shopping Holiday shopping season is when your inbox and your phone fill up with offers, shipping alerts and “last chance” deadlines. It is also when scammers do their best work, because… Comments 0 2026.11.03
A woman checking her mailbox for an envelope, illustrating the early December 31 SSI payment Your January SSI Check Arrives December 31 and Is $35 Higher: What the $1,029 Maximum Actually Means If you or someone you care for receives Supplemental Security Income (SSI), the next payment comes with two changes worth knowing about. The federal maximum rises with the 3.6% cost-of-living… Comments 0 2026.11.01
Older man and woman reviewing documents together Named Your Parent’s Power of Attorney Agent? Four CFPB Rules That Keep You Out of Legal Trouble If a parent, spouse or friend has named you as their agent under a power of attorney, you just took on a legal job with real penalties attached. The Consumer… Comments 0 2026.10.30
Senior couple reviewing health insurance documents with a laptop at a desk Retiring Before 65? Enroll by December 15 for ACA Coverage on January 1, 2027 If you retired early, were laid off in your late 50s, or are about to leave a job that carries your health insurance, the next few weeks matter. HealthCare.gov says… Comments 0 2026.10.28
Older couple reviewing a winter heating bill at their kitchen table Heating With Oil This Winter? EIA Expects the Average Bill to Jump 21% While Gas Users Pay 9% Less If your furnace burns oil, this winter’s forecast is not good news. The U.S. Energy Information Administration (EIA) says the average heating oil household will spend about 21% more than… Comments 0 2026.10.26
Older man resting in a hospital bed with a monitor attached while his status is checked Spent the Night in the Hospital? Ask If You Were Admitted or Only “Under Observation” Before Medicare Rehab Coverage Is Decided You land in the hospital on a Monday night, spend three nights in a bed with a wristband on, and go home on Thursday believing you were admitted. Then a… Comments 0 2026.10.24
Older adult reviewing Medicare plan paperwork at a kitchen table Fewer Medicare Advantage Plans Offer an OTC Allowance Now: Check Yours Before December 7 If you have a Medicare Advantage plan, you may have a card in your wallet that pays for aspirin, bandages, and cold medicine. That is an over-the-counter (OTC) allowance, and… Comments 0 2026.10.22
Senior couple reviewing Alberta Seniors Benefit paperwork at a kitchen table Alberta Cut the Seniors Benefit Cutoff to $32,690 for Singles. Check If You Still Qualify Alberta lowered the income cutoff for its Seniors Benefit on July 1, 2026. A single senior now has to be at or under $32,690 a year, down from $34,770. For… Comments 0 2026.10.21
Person reviewing a medical bill and benefits paperwork at a kitchen table Unspent FSA Money? Check Your Plan’s Grace Period or $680 Carryover Before December 31 If you get a health Flexible Spending Account (FSA) through work, the money you set aside is yours to spend, but only for a limited time. Under IRS rules, FSAs… Comments 0 2026.10.20