Download or read book Health Insurance Coverage in Retirement written by Christian E. Weller and published by . This book was released on 2004 with total page 76 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Care Without Coverage written by Institute of Medicine and published by National Academies Press. This book was released on 2002-06-20 with total page 213 pages. Available in PDF, EPUB and Kindle. Book excerpt: Many Americans believe that people who lack health insurance somehow get the care they really need. Care Without Coverage examines the real consequences for adults who lack health insurance. The study presents findings in the areas of prevention and screening, cancer, chronic illness, hospital-based care, and general health status. The committee looked at the consequences of being uninsured for people suffering from cancer, diabetes, HIV infection and AIDS, heart and kidney disease, mental illness, traumatic injuries, and heart attacks. It focused on the roughly 30 million-one in seven-working-age Americans without health insurance. This group does not include the population over 65 that is covered by Medicare or the nearly 10 million children who are uninsured in this country. The main findings of the report are that working-age Americans without health insurance are more likely to receive too little medical care and receive it too late; be sicker and die sooner; and receive poorer care when they are in the hospital, even for acute situations like a motor vehicle crash.
Download or read book Social Security Policy in a Changing Environment written by Jeffrey R. Brown and published by University of Chicago Press. This book was released on 2009-12-15 with total page 473 pages. Available in PDF, EPUB and Kindle. Book excerpt: Social Security Policy in a Changing Environment analyzes the changing economic and demographic environment in which social insurance programs that benefit elderly households will operate. It also explores how these ongoing trends will affect future beneficiaries, under both the current social security program and potential reform options. In this volume, an esteemed group of economists probes the challenge posed to Social Security by an aging population. The researchers examine trends in private sector retirement saving and health care costs, as well as the uncertain nature of future demographic, economic, and social trends—including marriage and divorce rates and female participation in the labor force. Recognizing the ambiguity of the environment in which the Social Security system must operate and evolve, this landmark book explores factors that policymakers must consider in designing policies that are resilient enough to survive in an economically and demographically uncertain society.
Download or read book Can I Retire Yet written by Darrow Kirkpatrick and published by StructureByDesign. This book was released on 2016-05-20 with total page 276 pages. Available in PDF, EPUB and Kindle. Book excerpt: You've worked hard, lived carefully, and saved diligently. You've reached major milestones and accumulated more assets than you dreamed possible, and yet you hesitate. ""Can I retire?"" This book will help answer that question by showing you.... The tools you need to live a secure and independent retirement, without worrying about money What you must know before leaving a career behind How much it will cost you to live in retirement, and how to manage your cash flow The current choices for retirement health care, including lesser-known but effective options The threat from inflation: two secrets that politicians and bankers will never admit A realistic assessment of the impact that income taxes will have on your retirement Social Security's role in your retirement: when you should claim and how much it's worth to you How to construct and manage an investment portfolio for income and growth in retirement About immediate annuities and why you need multiple sources of retirement income The key variables and unknowns in your retirement withdrawal equation Reviews of the best retirement calculators, and tips for how to use them accurately Beyond the simplistic 4% Rule to the latest research on safe withdrawal rates Realistic bracketing of your retirement savings needs, without over caution or overconfidence The history of economic cycles and the related asset classes for optimal retirement security A survey of strategies plus original research for how to orchestrate your retirement distributions A practical "retirement fuel gauge" alerting you to problems while you still have time to act Backup plans: the "lifeboat strategies" for ensuring you'll never be without essential income The 6 crucial questions to answer before you can retire The one, simple, powerful, non-financial reason that you can and should retire earlier than later
Download or read book 20 Retirement Decisions You Need to Make Right Now written by Ray LeVitre CFP and published by Sourcebooks, Inc.. This book was released on 2014-01-14 with total page 310 pages. Available in PDF, EPUB and Kindle. Book excerpt: You're in Control of Your Retirement Future Inside are twenty major financial decisions that could profoundly impact your lifestyle over the next forty years. For many retirees, these decisions come as a surprise and must be made hastily without proper consultation. But by reading the expert, commission-free advice in this fully revised and updated edition, you'll learn how to manage your assets and prepare for the best possible retirement. Do I have enough money to retire now? How will I cover my medical expenses during retirement? When should I begin taking Social Security? How much should I invest in stocks, bonds, and cash? What criteria should I use to identify the best investments? Should I cancel my life insurance policy? Should I pay off my mortgage at retirement?
Download or read book Growing Older in America written by and published by . This book was released on 2007 with total page 108 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Retirement Decisions written by United States. Government Accountability Office and published by Nova Science Pub Incorporated. This book was released on 2008 with total page 87 pages. Available in PDF, EPUB and Kindle. Book excerpt: The first wave of the 78 million member baby boom generation is now reaching retirement age. The number of people age 62, the earliest age of eligibility for Social Security retired worker benefits, is expected to be 21 percent higher in 2009 than in 2008. In addition, by 2030, the number of workers supporting each retiree is projected to be 2.2, down from 3.3 in 2006. This demographic shift poses challenges to the economy, federal tax revenues, the nation's old-age programs, and individuals' financial security in retirement. For those who are able to work longer, later retirement can strengthen the economy and also retiree incomes by postponing the time at which people will start drawing retirement benefits rather than working. A wide range of factors including the features of employers' benefit plans, personal finances, social norms, health, and individual attitudes influence workers' decisions about when to retire. Federal policies may also play a role: these include Social Security, Medicare, and tax policies related to certain private retiree health and defined benefit (DB) and defined contribution (DC) pension plans.1 Identifying both the incentives posed by these policies and the extent to which workers respond to them can help to inform policy makers as they consider ways to address the demographic challenges facing the nation. To determine the extent to which federal policiesdirectly and indirectly-pose incentives and are influencing individuals decisions about the age at which they retire, the authors have pursued the following questions: (1) What incentives do federal policies provide about when to retire? (2) What are the recent retirement patterns, and is there evidence that recent changes in Social Security requirements have resulted in later retirements? (3) Is there evidence that tax-favored private retiree health insurance and pension benefits have influenced when people retire? This is a revised and excerpted version.
Download or read book The Military Guide to Financial Independence and Retirement written by Doug Nordman and published by . This book was released on 2011-06-16 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: You don't have to pursue another career in government or the corporate world once you leave the military. Indeed, if you understand your key military benefits as well as fine-tune your finances, you should be able to chart a new arid exciting post-military life! That's the central message running throughout this revealing book for servicemembers, veterans, and their families who want to become financially independent prior to committing themselves to full-time retirement and plan accordingly. Semi-retired at age 41 and enjoying life with his family on the beaches of Hawaii, the author outlines how military personnel can become happily semi-retired regardless of their age. Emphasizing the importance of family, lifestyle, and bridge careers, Doug Nordman goes a long Way in providing answers to one of today's most important questions for transitioning military - ôWhat do you want to do with the rest of your life?ö Dispelling numerous myths about military transition, finances, and retirement. He focuses on the two most important inflation-protected benefits military retirees and their families receive and can build upon for creating a financially independent and semi-retired lifestyle: military pension TRICARE health system He shows how to build a sound financial house based upon: military benefits investment portfolios part-time work savings bridge careers frugal living Filled with examples checklists, recommended websites, and a rich collection of appendices that deal with inflation, multiple income streams, and the value of a military, pension, this ground-breaking book is essential reading for anyone contemplating retiring from the military or jump-starting their post-military career in the direction of semi-retirement and/or full-time retirement Book jacket.
Download or read book Analyses in the Economics of Aging written by David A. Wise and published by . This book was released on 2005-08-03 with total page 446 pages. Available in PDF, EPUB and Kindle. Book excerpt: Summarizing new research on a range of topics on the theme of the relationship between economics & aging, this volume offers various perspectives on savings & retirement behaviours across the world.
Download or read book Moral Hazard in Health Insurance written by Amy Finkelstein and published by Columbia University Press. This book was released on 2014-12-02 with total page 161 pages. Available in PDF, EPUB and Kindle. Book excerpt: Addressing the challenge of covering heath care expenses—while minimizing economic risks. Moral hazard—the tendency to change behavior when the cost of that behavior will be borne by others—is a particularly tricky question when considering health care. Kenneth J. Arrow’s seminal 1963 paper on this topic (included in this volume) was one of the first to explore the implication of moral hazard for health care, and Amy Finkelstein—recognized as one of the world’s foremost experts on the topic—here examines this issue in the context of contemporary American health care policy. Drawing on research from both the original RAND Health Insurance Experiment and her own research, including a 2008 Health Insurance Experiment in Oregon, Finkelstein presents compelling evidence that health insurance does indeed affect medical spending and encourages policy solutions that acknowledge and account for this. The volume also features commentaries and insights from other renowned economists, including an introduction by Joseph P. Newhouse that provides context for the discussion, a commentary from Jonathan Gruber that considers provider-side moral hazard, and reflections from Joseph E. Stiglitz and Kenneth J. Arrow. “Reads like a fireside chat among a group of distinguished, articulate health economists.” —Choice
Download or read book Work Optional written by Tanja Hester and published by Hachette Books. This book was released on 2019-02-12 with total page 245 pages. Available in PDF, EPUB and Kindle. Book excerpt: A practical action guide for financial independence and early retirement from the popular Our Next Life blogger. In today's work culture, we're expected to hustle around the clock. But what if you could escape the traditional path and get on one that doesn't require working full-time until age 65? What if you could wake up every day without an alarm clock and do the things you love most? Tanja Hester and her husband Mark left their crazed careerist lifestyle to live their dream life in Lake Tahoe, retiring early from high-stress careers. Now Tanja will help you map out a customized plan for freedom and make it easy to succeed, whether you're good at math and budgeting -- or not! Work Optional is more than just a financial plan: it's a plan for your whole life -- designed by you, not by an employer or clients. Tanja walks you through envisioning your dream life, accounting for variables such as health care and children, protecting yourself from recessions and future unknowns, and achieving a purpose-filled early retirement, semi-retirement, or career intermission with completely doable, non-penny-pinching steps. You can live a happier, more meaningful life, free from the daily grind. Regardless of where you are in your career, Work Optionalwill get you there.
Download or read book Providing Health Care Benefits in Retirement written by Judith F. Mazo and published by University of Pennsylvania Press. This book was released on 1994 with total page 288 pages. Available in PDF, EPUB and Kindle. Book excerpt: This volume, from the Pension Research Council of the Wharton School, highlights many of the special health insurance problems facing the elderly and some of the solutions that any reform process must consider.
Download or read book Aging and the Macroeconomy written by National Research Council and published by National Academies Press. This book was released on 2013-01-10 with total page 230 pages. Available in PDF, EPUB and Kindle. Book excerpt: The United States is in the midst of a major demographic shift. In the coming decades, people aged 65 and over will make up an increasingly large percentage of the population: The ratio of people aged 65+ to people aged 20-64 will rise by 80%. This shift is happening for two reasons: people are living longer, and many couples are choosing to have fewer children and to have those children somewhat later in life. The resulting demographic shift will present the nation with economic challenges, both to absorb the costs and to leverage the benefits of an aging population. Aging and the Macroeconomy: Long-Term Implications of an Older Population presents the fundamental factors driving the aging of the U.S. population, as well as its societal implications and likely long-term macroeconomic effects in a global context. The report finds that, while population aging does not pose an insurmountable challenge to the nation, it is imperative that sensible policies are implemented soon to allow companies and households to respond. It offers four practical approaches for preparing resources to support the future consumption of households and for adapting to the new economic landscape.
Download or read book Coverage Matters written by Institute of Medicine and published by National Academies Press. This book was released on 2001-10-27 with total page 204 pages. Available in PDF, EPUB and Kindle. Book excerpt: Roughly 40 million Americans have no health insurance, private or public, and the number has grown steadily over the past 25 years. Who are these children, women, and men, and why do they lack coverage for essential health care services? How does the system of insurance coverage in the U.S. operate, and where does it fail? The first of six Institute of Medicine reports that will examine in detail the consequences of having a large uninsured population, Coverage Matters: Insurance and Health Care, explores the myths and realities of who is uninsured, identifies social, economic, and policy factors that contribute to the situation, and describes the likelihood faced by members of various population groups of being uninsured. It serves as a guide to a broad range of issues related to the lack of insurance coverage in America and provides background data of use to policy makers and health services researchers.
Download or read book Wallet Activism written by Tanja Hester and published by BenBella Books. This book was released on 2021-11-16 with total page 254 pages. Available in PDF, EPUB and Kindle. Book excerpt: 2022 NATIONAL INDIE EXCELLENCE AWARDS FINALIST — SOCIAL/POLITICAL CHANGE • 2022 ASJA ANNUAL WRITING AWARD WINNER — SERVICE • 2022 NAUTILUS BOOK AWARDS GOLD MEDALIST — SOCIAL CHANGE & SOCIAL JUSTICE • 2022 AXIOM BUSINESS BOOK AWARD GOLD MEDALIST — PHILANTHROPY/NONPROFIT/SUSTAINABILITY How do we vote with our dollars, not just to make ourselves feel good, but to make a real difference? Wallet Activism challenges you to rethink your financial power so can feel confident spending, earning, and saving money in ways that align with your values. While we call the American system a democracy, capitalism is the far more powerful force in our lives. The greatest power we have—especially when political leaders won’t move quickly enough—is how we use our money: where we shop, what we buy, where we live, what institutions we entrust with our money, who we work for, and where we donate determines the trajectory of our society and our planet. While our votes and voices are essential, too, Wallet Activism helps you use your money for real impact. It can feel overwhelming to determine “the right way” to spend: a choice that might seem beneficial to the environment may have unintended consequences that hurt people. And marketers are constantly lying to you, making it hard to know what choice is best. Wallet Activism empowers us to vote with our wallets by making sense of all the information coming at us, and teaching us to cultivate a more holistic mindset that considers the complex, interrelated ecosystems of people and the planet together, not as opposing forces. From Tanja Hester, Our Next Life blogger and author of Work Optional, comes the mindset-shifting guide to help you put your money where your values are. Wallet Activism is not a list of dos and don’ts that will soon become outdated, nor does it call for anti-consumerist perfection. Instead, it goes beyond simple purchasing decisions to explore: The impacts a financial decision can have across society and the environment How to create a personal spending philosophy based on your values Practical questions to quickly assess the “goodness” of a product or an entity you may buy from The ethics of earning money, choosing what foods to eat, employing others, investing responsibly, choosing where to live, and giving money away For anyone interested in leaving the world better than you found it, Wallet Activism helps you build habits that will make your money matter.
Download or read book Explaining Divergent Levels of Longevity in High Income Countries written by National Research Council and published by National Academies Press. This book was released on 2011-06-27 with total page 200 pages. Available in PDF, EPUB and Kindle. Book excerpt: During the last 25 years, life expectancy at age 50 in the United States has been rising, but at a slower pace than in many other high-income countries, such as Japan and Australia. This difference is particularly notable given that the United States spends more on health care than any other nation. Concerned about this divergence, the National Institute on Aging asked the National Research Council to examine evidence on its possible causes. According to Explaining Divergent Levels of Longevity in High-Income Countries, the nation's history of heavy smoking is a major reason why lifespans in the United States fall short of those in many other high-income nations. Evidence suggests that current obesity levels play a substantial part as well. The book reports that lack of universal access to health care in the U.S. also has increased mortality and reduced life expectancy, though this is a less significant factor for those over age 65 because of Medicare access. For the main causes of death at older ages-cancer and cardiovascular disease-available indicators do not suggest that the U.S. health care system is failing to prevent deaths that would be averted elsewhere. In fact, cancer detection and survival appear to be better in the U.S. than in most other high-income nations, and survival rates following a heart attack also are favorable. Explaining Divergent Levels of Longevity in High-Income Countries identifies many gaps in research. For instance, while lung cancer deaths are a reliable marker of the damage from smoking, no clear-cut marker exists for obesity, physical inactivity, social integration, or other risks considered in this book. Moreover, evaluation of these risk factors is based on observational studies, which-unlike randomized controlled trials-are subject to many biases.
Download or read book Medical and Dental Expenses written by and published by . This book was released on 1990 with total page 20 pages. Available in PDF, EPUB and Kindle. Book excerpt:
