How do family members prepare for the day their senior needs more help — the kind of help that requires loved ones to re-prioritize their lives? If only there were a date set aside for this change in everyone’s life. Planning on change at this level has never been easy because a plan may not be in place. A sudden fall or illness could change everything and it could happen anytime.
A recent study concluded that beneficiaries enrolled in Medicare Advantage Prescription Drug plans spend almost $2,000 less per year on their healthcare costs when compared to those with Original Medicare (Parts A and B) and a stand-alone Medicare Prescription Drug plan (Part D).
The best way to guard your Social Security card is to keep it in a safe place and share it only when required. In fact, in most cases, just knowing the Social Security number should be enough.
You know what that means! For millions of Medicare beneficiaries with a Medicare Advantage prescription drug or stand-alone Part D prescription drug plan, Oct. 15 to Dec. 7 is the annual open enrollment period.
Grief is a natural response to the loss of someone special. The process of grieving allows the griever to adapt to a new world of existence without the loved one. If allowed to proceed through the grieving process with minimal guilt, anxiety, stress, unresolved issues and conflict, we can help each griever experience their grief fully and allow the griever to validate and honor the life of the deceased, and affirm and strengthen relationships with survivors.
A Provider Order regarding Life Sustaining Treatment (POLST) says what measures should be used to keep you alive in a medical emergency. It is different from an Advance Directive in that it will be followed by emergency personnel, provided that they are aware of its existence. If you don’t have a POLST, emergency medical technicians (EMTs) are required to do whatever they can to restore and stabilize your heartbeat and breathing and take you to an appropriate facility for treatment.
The Federal Reserve (the Fed) has begun what it says will be a series of interest rate increases in an effort to slow the economy and temper the current surge in the inflation rate. At the start of 2022, the federal funds rate stood at near zero percent. By May, the Fed moved the federal funds rate 75 basis points (0.75 percent) higher.
Getting a newborn a Social Security (SS) number is important for his or her future. Feel free to share this time-saving information with prospective parents. If the child is born in a hospital, the easiest way to apply for a SS number is right at the hospital.
Every year, Hawai‘i residents are swindled out of money through many forms of crime. The Federal Trade Commission estimates that 2.4 billion robocalls made every month. Over 3,500,000 older adults are swindled out of nearly $5 billion in personal savings each year. The average loss is $34,200-plus for every senior who falls victim to a scam. More than $17 million per year are lost to internet crimes (2021) — and cases are expected to rise by 10 percent this year.
Talk story is a special and cherished activity among seniors at Roselani Place. Our activities director conducts a talk story twice a month and I also offer them from time to time. Talking story with our residents allows us to not only engage with them, but also encourages them to reminisce about the good old days, and learn more about one another.
When it’s a family caregiver’s sole responsibility to manage the care of a loved one, there will come a time when stress will get to a level where the caregiver becomes unable to perform self-care or continue to provide for their loved one. Getting others involved to help the caregiver will bring much-needed relief.
Lemonade, iced tea, smoothies and juices all sound delicious during hot summer days. But beware of the sugar content, especially if you’re drinking more than one glass a day. You probably already guessed that the most important drink is water! It’s good for your body and teeth.
Work-from-home “virtual” employees must take precautions in order to preserve the health of their eyes. Computer vision syndrome (CVS) isn’t a specific set of symptoms — it’s an umbrella term to describe the varying eye discomfort and symptoms caused by screen-related issues. It is almost impossible to avoid progressive vision issues with regular computer use.
Seniors take their sports seriously, but with perspective gained over years of competition, the element of fun has become paramount for most players. Although they have a passion for playing, winning isn’t everything. Camaraderie, reunion and ‘ohana, fitness and fun are the most important elements of a senior’s game plan.
It’s shocking! How did I accumulate all this stuff? An embarrassment of riches may be a first-world problem — having too much of too many good things — but it is a reality for many of us, even those who don’t qualify as full-fledged hoarders. But even simple clutter has its own risks; for starters, the chronic and repeated stress caused by frantic and frustrated searching, and the risk of falling over precious possessions left in precarious places.
Considering the rising costs of gasoline, is the initial price tag of an electric vehicle (EV) worth the extra money? EVs also impact the environmental less and offer other potential benefits, but what about hidden costs?
Our friends, old and new, are sweetly awed when we tell them our love story. We met in college in the mid-’70s. We fell in love. We knew beyond a doubt that we were meant to be together. Yet, as fate would have it, we met at the wrong place and the wrong time for our relationship to flourish.
While we are taught to treat those of a different race or religion equitably, seniors often face age discrimination. It first appears as an attempt to be helpful. Someone holds a door open for us. The bus waits a little longer for us to climb aboard. The bank teller smiles more as he hones his patience with our slowness.
Not too long ago, my extended family enjoyed getting all the cousins together to watch “The Wizard of Oz” every year. We loved watching Dorothy follow the yellow brick road to Oz. It was a great bonding activity. Now those same family members are calling to ask for help with Medicare. Where did the time go?
Last March, many witnessed the slap that was heard round the world. The unrehearsed and unscripted incident played out in front of the planet’s best actors, with 17 million viewers watching from home. It occurred in supposedly one of most civilized and curated places in the land. But everyone saw that even “winners” are not immune from knee-jerk reactions when messages perceived as offensive produce hurt feelings.
The US Census Bureau has reported that people aged 65 and older will outnumber those under 18 years old by 2034. Every year, millions of these senior citizens look at life after retirement as an opportunity to expand their horizons and learn more. It’s a time to take special-interest lessons or even earn a degree. For some, it may even mean going back into the workforce and starting a new career.
It’s a new day and a new time in today’s world of work. A shifting economic landscape continues to drive significant changes in the American workplace. Nearly every aspect of the country’s workforce has changed in the last 50 years.
Dr. William “Bill” Won, one of Honolulu’s foremost brain surgeons, was the first Hawai‘i-born Chinese American neurosurgeon in the state and only the second person born in the state to become a neurosurgeon. Dr. Won, now age 90, practiced from 1965 to 1996. After a stellar career, the quiet and humble retired brain surgeon continues to contribute to the community through a scholarship fund that was made possible through a beloved, lifelong hobby.
Growing up, my family always had a pet. From dogs to cats to frogs and even a chicken for a day, pets have always been a part of my life. Today, our pet family consists of three dogs, a guinea pig, a bunny and frogs. Our pets are not just animals but members of our family. And like our family members, we want to ensure that they are taken care of after we are gone.
How do you stay in control of your stuff while you are able and assure that your wishes will be carried out when incapacity or the grim reaper catch up with you? Sorry to rub it in, but at least one of these possibilities is going to happen to you and odds are that both of them will.
Having spent decades saving for retirement, it can feel like a major shift for retirees to spend down their hard-earned assets. Research by the Employee Benefit Research Institute found people with $500,000 or more in savings at retirement spent down less than 12 percent of their assets over 20 years.
There’s an old saying about money that sums up why credit unions have flourished: “We make a living by what we get, but we make a life by what we give.” Credit unions are unique in the world of finance, and for lots of people, that’s exactly why they choose to become members.
We are here for surviving family members when a worker dies. In the event of your death, certain members of your family may be eligible for survivors’ benefits. These include widows and widowers, divorced widows and widowers, children and dependent parents.
The woman in line in front of me was tending to her father who apparently suffered from dementia. Suddenly, she completely lost it and was yelling at him. I thought she was going to hit him! He looked frightened, dazed and confused. When I tried to console the woman, she yelled back at me, ‘YOU DON’T KNOW WHAT I’M GOING THROUGH!’”
You may think that in-home assistance is only for people who are very old, very ill or recovering from a severe injury or surgery. But nowadays, capable and self-reliant seniors are employing a new kind of assistant to provide task-based in-home care. A task-based assistant can help you with those burdensome chores that are becoming challenging or that you just don’t like to do anymore.
Most people feel a sense of control when they’re behind the wheel. So what happens when it’s time to retire the car keys? The decision to stop driving can be one of the most challenging topics families and people living with Alzheimer’s disease face.
Usually, events that necessitate a goodbye are seen as sad… or at least poignant. In our younger years, we expected these goodbyes to be temporary — we knew we were going to see them again! As we get older, we start to understand that a goodbye may mean moving so far away that visiting will be unlikely and the relationship we loved may be permanently changed. And then come the goodbyes we know are final — the farewells at the end of a life that leave us with only memories of a loved one.
Family members must prepare now for the day their senior needs more help — the kind of help that may require them to reprioritize their lives. If only there were a date set aside for this change in everybody’s life. But we must keep in mind that a sudden fall or illness could change everything — and it could happen at any time.
Diabetes disproportionately affects older adults. Approximately 25 percent of Americans over the age of 60 years have diabetes. The aging of the US population is widely acknowledged as one of the drivers of the diabetes epidemic. Although the burden of diabetes is often described in terms of its impact on working-aged adults, the disease also affects longevity, functional status and risk of institutionalization for older patients.
Poor oral health can affect overall physical health at any age. Without treatment, poor oral health can lead to pain, infection, malnutrition and even serious illnesses. Therefore, it’s important to incorporate good oral health habits into all stages of life.
As we age, it may become more difficult to get a full night’s rest. This is caused by many things: changes in your body’s internal clock, spending less time outdoors or moving and a decrease in the hormones that help aid in sleep. It is a common misconception that we need less sleep as we get older. Sleep is still very important.
Illness and/or old age and its associated maladies are a fact of life for us all — even our pets. And grief over the loss of a beloved pet may be as intense and as lengthy as when a significant person in our life dies. Those who have lost a pet know the full extent of this agonizing pain.
There is no time like the present to prepare for another hurricane season. As our emergency agencies remind us every year, it is a matter of when, not if… Not only should families have an evacuation and shelter plan… that goes for your little dog, too! Being prepared for a disaster means also having a plan in place for your pets. Dorothy and Toto were sadly unprepared. Don’t be like Dorothy and Toto
Therapy dogs and service dogs are invaluable to many people, especially kūpuna who suffer from physical disabilities, loneliness, depression or even dementia. What’s the difference between a therapy dog and a service dog?
Naturalist John Muir once said, “The mountains are calling and I must go.” The yearning to bask in the glory of nature is the same for those who can get up and walk as it is for someone who gets around by wheelchair.
While the sport of pickleball has swept across Hawai‘i, there’s another game that has been enjoyed by seniors for a much longer time but often goes unnoticed. Lawn bowling is a genteel sport particularly liked by seniors because it demands little physicality.
In the early hours of a chilly October morning, Rick donned his bomber jacket and hat, and stealthily snuck into the carport, his trusty shaving kit in hand. He quietly pushed his golf cart down the long gravel driveway before starting it, as to not wake his wife. The former Korean War pilot navigated back roads to the bank, where he withdrew $1,000.
Throughout our lives, we can call a variety of places home. For me, one of those places was my grandmother’s house. I’ve been going in and out of her house since I was a baby. I knew every inch of my grandmother’s house, like which rooms had the best hiding spots or which drawers held my grandma’s fancy scarves.
Ever imagine you might need to become a contestant on “Jeopardy” to pay your healthcare costs? Your answer may be no, but it seems it pays to understand how a health maintenance organization (HMO) works, if you have one.
Some of us seniors may still cling to the belief that the old days were so much better. However, most of us have certainly developed an appetite for the latest cellphones, ultra-modern appliances and high-tech cars. Likely as a result from the pandemic, baby boomers who previously gathered to talk story, now chat on Facebook.
The compassion at the heart of Ginny Tiu’s advocacy for those who have no voice is a great source of joy in her life. Her God-given talent as a piano prodigy at age 5 gave her the opportunity to travel the world, where she witnessed heartbreaking poverty and harsh inequities, calling her caring nature to action during a lifetime of humanitarian and animal welfare efforts.
Here in Hawai‘i, we’re lucky to live on beautiful islands with multigenerational families in multicultural communities. We have city life, country life, sunshine every day and some of the best food in the world. But our lifestyle, diet and even our genes can put us at risk for cancer. Yes, even here in paradise.
Parents often struggle with the concepts of equal, equitable, fairness and adequacy when it comes to the distribution of their assets among their children. Defining these terms will help us make the decision that most closely reflects our intention.
Remember the classic Abbott and Costello comedy routine, “Who’s on First?” The longer they banter, the more their frustration grows due to their seeming lack of understanding of the game they are discussing — and hilarity ensues.
Similarly, the language of estate planning can give rise to problems for the uninitiated, but the problems that arise may not be funny at all.
Dividing tangible personal property is a task that often causes problems for a personal representative and between heirs. A will typically directs that property with monetary value is to be sold and the proceeds deposited into the estate account. But what happens when the property has no real value but the sentimental value is priceless?
Like most Americans, you’ve probably spent years working to achieve the retirement of your dreams. Then there comes a point when this career milestone changes from a distant goal to an imminent reality. You can make your first year away from work more rewarding and less stressful when you take the time to anticipate potential challenges and prepare for how you will handle this important life change.
If you or someone you know is a Medicare beneficiary and is also prescribed insulin, the new Insulin Senior Savings Program is worth looking into.
You may need Social Security when you least expect it and we’re here to make sure our information is always accessible to you. Whether you’re planning for your retirement years in advance or thinking about applying today, you probably have questions.
Kūpuna are the most vulnerable to online scams due to social isolation during the pandemic. We must stay vigilant, as scammers use more sophisticated ways to steal your personal identity, shame you of your self-worth and steal your life’s legacy. Here are some important tips to avoid becoming a victim…
Meaningful, familiar and ability-matching activities for those with dementia is the goal of the Montessori method of dementia care. Long-term memories can be unlocked through engaging in familiar tasks.
While there have been terrible examples of guardianship abuse cases in the news, there are also thousands of individuals who are benefiting from ethical, well-disciplined guardians.
We all need help at some point in our lives — and this is true especially for our aging loved ones. However, it can be overwhelming to choose among the variety of help that our kūpuna can utilize as they progress into aging.
The many benefits offered by aging at home cannot be overlooked when deciding whether to consider at-home care for kūpuna. Here are some of the most valuable…
April is Oral Cancer Awareness Month and it’s the time of year to remind seniors and loved ones to visit the dentist. Did you know a routine visit to the dentist also includes a screening for oral cancer? While they look for signs of decay (cavities) and gum disease, they’re looking for typical warning signs of cancer in the mouth.
Although glaucoma is a leading cause of irreversible blindness, the most common presentation of glaucoma often has no noticeable symptoms in its early stages. When glaucoma develops, vision loss progresses so gradually that the people affected are often unaware of it until their sight has already been compromised.
When people think about substance abuse and addiction, they often imagine young adults. While it’s true teenagers are at a higher risk for substance abuse as a group, research done on the elderly population is lacking. Despite the lack of research, it’s widely believed that substance abuse and addiction in the elderly is a hidden epidemic.
It has long been established that consistently wearing a proper-fitting mask over your nose and mouth is critical in preventing the spread of COVID-19. In January, nearly two years into the pandemic, the Centers for Disease Control and Prevention (CDC) updated its mask recommendations, because as the SARS-CoV-2 coronavirus changes and mutates, producing a bounty of variants, we must adapt.
Elton Goo was surfing in Peru when the government closed its borders to fight COVID-19 in March 2020. As an avid surfer, being temporarily stranded in one of the best countries in the world to score some “epic surf” might not have been such a bad thing, but unfortunately, Elton, who was diagnosed in 2016 with terminal lung cancer at age 55, was running out of his medication.
Retirement insecurity is one of the most serious challenges facing the country today. Most at risk are private sector workers whose employers do not offer a workplace retirement savings plan. However, the Hawai‘i State Legislature has initiated action on this critical issue.
It’s time to begin your spring cleaning! This year, don’t forget to include your wallet, the home of your critical medical and insurance cards. Do you know which cards you should carry or dispose of?
As an estate planning attorney, I observe how families decide to distribute their assets among their children. I have seen two main standards used to determine the gift. First is the standard of meeting needs and wants. As parents, we know the needs and wants of our children, and do our best to meet both of these.
I recently received a telephone call from my mother. Given that I was in a meeting, I didn’t answer it, but instead let it go to voicemail. Almost immediately, the phone started buzzing again from her same number. Usually, my mom would just leave a message, so this second call was very unusual. I excused myself from the meeting and answered the call. Mom immediately asked, “Scott, are you in jail?”
After spending a lifetime of earning, saving and investing — and paying income and capital gains taxes all the way along — you may wonder why our government feels entitled to tax the value of what’s left when you die. However, the IRS and the State of Hawai‘i both want a piece of your estate.
If you are among the nation’s more than 31 million small businesses owners1, you likely spend much of your time juggling day-to-day business activities and put off planning for the future. If retirement planning has fallen on your back burner, now is the time to bring it to the forefront.
One year ago, I made a lifestyle change. I went from a vegan diet to pescatarian diet. After adding fish over a year ago, I lost a few pounds. Then my wife and I decided to go on the keto diet together. I also started an exercise program. Seniors must exercise to stay physically and mentally fit to help prevent Alzheimer’s and other forms of dementia. Seniors also need to prepare financially.
Running a small business is often a 24/7 endeavor. Managing employees, inventory, scheduling, services and marketing can be challenging for small business owners — even in normal times. Although the COVID-19 pandemic has been testing all of us, it has been especially challenging for small business owners.
Having trouble paying for Medicare or other health costs? Medicare Savings Programs (MSP) are available to help older adults pay their monthly Part A/B premiums, annual deductibles, or copayments for visits and services. MSPs are administered by the Hawaii Med-Quest Division.
Recently, the SEC, NASAA and FINRA published a report to help advise financial professionals in detecting signs of diminished capacity among older investors. Some red flags: The senior seems unable to process even the simplest concepts. The senior appears to have memory loss. More…
In Hawai‘i, it is common that some kūpuna will remain at home under the care of younger family members, even as their health declines. Aging at home can work well for some ‘ohana, but care becomes more complicated if your loved one is facing a serious or terminal illness and experiencing symptoms that are challenging to manage at home.
Twenty years ago, I was hired as the assisted living director for a Jewish community, where I learned about their culture, faith and life experiences. Some of the residents I cared for were Holocaust survivors and I listened to their stories. One survivor, who I will call “LL,” lost his mother and sister during this horrific time in history. He showed me a photo of his mother and sister, as well as the number tattooed on his forearm that served as a constant reminder.
When planning for the in-home care of their kupuna, family caregivers may have difficulty looking at the home environment and adapting it to provide proper care. For example, a room layout that worked well when the loved one was mobile may not be ideal when circumstances change and bed-bound care is required. Back injuries, sprains and preventable falls can have significant consequences that can adversely affect quality-of-life. Here are some tips to ensure the care environment is safe…
Despite hospice care’s increasing popularity, there are still widely held misconceptions regarding end-of-life care. This article by members of the Society of Certified Senior Advisors (www.csa.us) seeks to dispel many myths about hospice care and to present accurate information on this growing segment of our healthcare system. By doing so, it is hoped that hospice benefits will be accessed more widely.
Most people visit the doctor only a few times a year, so it’s important to get the most out of each appointment. The more information you share, the better your doctor can take care of you.
Hawai‘i’s sandwich generation is confronted with both unique challenges and great opportunities as baby boomers care for their elderly parents, while also supporting their adult children and grandchildren. Multi-generational homes are very common in Hawai‘i.
A common misconception is that massage is a luxury. Massage is becoming recognized as complementary medicine, along with other modalities, such as chiropractic care and acupuncture. An increasing amount of research is being conducted that demonstrates the scientific and medical benefits of massage.
As we age, we’re faced with the dilemma of where and how we will live during the next phase of our lives. One of the most frequently asked questions is, “How do I know when it’s time to move?” Here are some questions that may help you to self-discover when it’s right for you…
Happy New Year! The beginning of the year often means a fresh start and new goals for many aspects of our lives. Today, we’ll focus on our health and fitness, and the mind-body connection that can contribute to a healthier new you.
During the height of the COVID-19 pandemic, members of Epiphany Episcopal Church in Kaimuki served as a testament to faith and dedication as they continued to attend services in person — when we were allowed to do so. It renewed me as a minister each and every Sunday.
Lot Lau is putting his lifelong love of trees to good use. At age 81, he is a member of a Citizen Forester group whose efforts are aimed at helping to save the planet — one tree at a time. “When I was young, I thought of trees only for climbing to get the fruit,” he recounts. “I preferred the Samoan palm variety. They bear coconuts much lower to the ground and are tall, stately, durable and strong. They sway gently in the breeze like a hula dancer. They give of themselves to benefit others.”
The call came in. “Help! Papa needs an ADA-compliant bathroom.” According to Adele, his granddaughter, “Papa refuses to come downstairs to shower because he says he already has a blankly-blank shower upstairs.” Jim “Papa” Raynor is a 98½-year-old WWII veteran.
Major corporations, government agencies, healthcare organizations, small businesses and private individuals are all being targeted by ransomware. The law enforcement and cybersecurity communities believe many of the cybercriminals behind these attacks are connected to organized crime, anti-US entities or even terrorist groups. It is an ongoing challenge to identify hackers and bring them to justice.
In 2010, I wrote a booklet for Career Partners International, a leading outplacement counseling firm, in which I compared the 20th century workplace with the 21st century workplace. In simple terms, I made the case that the once-upon-a-time dominant workplace of regular, full-time workers was fast becoming a workplace of workers who work part-time, some of the time, for free or for a fixed fee.
Why is it important that seniors continue to work on their fitness? It’s always important to remain active to stay healthy and strong. Regular exercise is also great for brain health, boosting mood and energy, and speeding up recovery from an injury or illness. “Use it or lose it” applies to balance skills, agility, muscle strength and stamina.
When the phone rings at Jessica Lani Rich’s office, it can be a really bad thing. And her phone rings a lot. Sometimes, the police call to tell her about a crime or a tragic accident. Other times, a social worker will call about an illness, an injury or even a death. And each time she answers the phone, Jessica answers the call. As president and CEO of the Visitor Aloha Society of Hawai‘i (VASH), Jessica leads a team of trained volunteers who provide comfort and support to visitors who have been victims of a crime or other adversity, and help them create a positive memory of their stay in our islands.
The November-December 2022 issue of GENERATIONS MAGAZINE features an in-depth look at giving blood in Hawaii. GM Senior Editor Debra Lordan talks with the Donor Services Director of the Blood Bank of Hawaii and discovers the crucial need of giving blood and the many people who do on a regular basis but also why some people hesitate. We also take a look at Hawaii’s King of tropical music, Rolando Sanchez and his amazing energy. You’ll see that Hawaii is unique in places where multiple generations regularly sit down to eat with each other. And you’ll find out why laughter truly is the best medicine!
The January-February 2023 issue of GENERATIONS MAGAZINE features Hawaii music legend and icon Henry Kapono and how, at nearly 75, this remarkable musician keeps his career and family rolling happily forward. We’ll give you the breakdown on this month’s increase in Social Security benefits. Editor Debra Lordan takes a look a love, chocolates and senior romances in three articles. And everyone’s favorite radio personality and artist extraordinaire Frank B. Shaner has some off-beat thoughts on growing older.
The March-April issue of GENERATIONS MAGAZINE features Executive Director Connie Mitchell and her team at the Institute of Human Services who face the problems and challenges of the “unhoused” population on Oahu. Does your computer need some spring cleaning? Christopher Duque has some tips. Kristina Wong of Altres discusses caregiver compatibility and more seniors are trying marijuana! You’ll find those stories and many more in the March-April issue of GENERATIONS MAGAZINE.
The January-February 2024 issue of GENERATIONS MAGAZINE features a cover story about Hawaii’s very own Cybercrime Fighter, Esther Chan. Read her remarkable story about her battle again online crime. Humorist Frank B. Shaner says Whole Foods can play an important role for seniors who want to start dating. You’ll find out why the Y might be a good choice to get back into exercise. And good nutrition might have flown up the chimney over the holidays but Nutritionist Jennifer Davis as some solutions and even provides a tasty recipe!
Two of the most frequently asked questions I hear are “How do I choose a trustee?” and “Am I choosing the right trustee?” Here are six criteria to help you choose the right fiduciary for you.
Only about 25 percent of family businesses survive for 15 years or more, and only about 25 percent of the “survivors” will survive the transition to the next generation. There are many contributing factors.
In many parts of the country, home prices have been soaring. According to the National Association of Realtors, the median existing-home price rose more than 17 percent in the one-year period ending in March 2021. This reflects just how competitive the market has become for homebuyers. If you are among those looking to purchase a new home, you should have a solid strategy in place before entering the market.
We’re home, still feeling isolated during the pandemic. The phone rings; a welcomed sound. We look forward to hearing from a family member or friend — a warm voice to spend time with. We answer the phone, and minutes later, our whole life is turned upside down. Does this sound familiar? Too often, unfortunately, many of our kūpuna fall victim to scammers who want their health, financial or other personal information.
Preparing for retirement is one of the most significant decisions you can make. A great place to start is the Social Security Administration‘s retirement portal. The portal is easy to use, whether you are ready to learn about, apply for or manage your retirement benefits.
