Social Security Planning & Medicare Basics for Individuals

Widowed, divorced and never-married individuals must decide when and how to claim Social Security and enroll in Medicare, as understanding options can greatly affect retirement income and healthcare costs overall.

Social Security Topics Discussed: 

• 5 factors to consider when deciding to apply for benefits. 
• When it makes sense to delay benefits and when it does not.
• How to estimate your benefits.
• How to minimize taxes on Social Security Benefits.
• How to coordinate Social Security with your other forms of retirement benefits.

Medicare Topics Discussed: 

• How Medicare enrollment periods work – and what you need to do to avoid late-enrollment penalties.
• How much you can expect to pay in healthcare costs after going onto Medicare.
• How Medicare works with private insurance to provide comprehensive coverage.
• Why most people pay too much for private insurance and how you can avoid excess costs.
• Why you must plan for higher healthcare costs in retirement – including the possibility of needing long-term care.