Workplace Insurance and Medicare

One question that is frequently asked by people about to turn 65 who have health insurance through an employer is: “Do I need to enroll in Medicare?” Good question! If you or your spouse are still working when you turn age 65 and have insurance through your employer you may consider delaying Medicare Part A and Part B until you retire if you have Creditable Coverage, which means coverage as good as Medicare. Or you can choose to elect your Part A, which is premium-free, and delay Part B until retirement. Depending on the size of the group, one plan would be primary while the other would be secondary.

Medicare News!

According to Kathryn Coleman, Director at the Centers for Medicare and Medicaid (CMS), a final rule issued in April 2018 has redefined the “primarily health related” supplement benefit definition. As a result, CMS expects Medicare Advantage plan sponsors to begin offering services for enrollees needing assistance with Activities of Daily Living (ADL) or Instrumental Activities of Daily Living (IADL).

Parting With Treasured Belongings

Have you heard these questions before: “How do I get my Mom to let go of her things?”, “Why does my Dad not want to get rid of his junk?” and “I’m not making much progress with them, what am I doing wrong?” Most times the answer isn’t black and white, as it really depends on the emotional attachment a person has to those items. Every item has a memory or a story that tugs at their heart, and for those reasons, they can’t get rid of them.

Caregivers Need Support, Too

Many of these supporters dutifully provide care without complaint. Yet, demands may start to take a toll and their own health may be compromised.t’s estimated there are more than 150,000 unpaid family caregivers in Hawai‘i. These valuable helpers are typically women in their early 60s who are caring for their husbands or elderly parents while still working. And that doesn’t take into account those who may occasionally care for their grandchildren, as well.

It’s Never Too Late to Learn

Henry Ford once said, “Anyone who stops learning is old, whether at 20 or 80; anyone who keeps learning stays young.”

Na Kupuna is a program that provides seniors an opportunity to do just that. As a part of the University of Hawaii’s Student Equity Excellence Diversity (SEED) initiative, Na Kupuna opens up college courses to seniors age 60 and older, which they can attend for free. About 650 senior citizens take advantage of this program every semester!

Staying in the Know

In your younger years, you may have been active in community affairs. But now you don’t get out so much. Maybe your caregiving duties keep you at home more. The good news is, you can still be involved in community affairs from the comfort of your own computer. In the...

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