By Elaine Floyd, CFP ® A relatively new animal has popped up in the world of Medicare insurance and it has the potential to both negatively affect retirees’ health care and cost taxpayers more money. It’s the employer group Medicare Advantage plan. Like a regular Medicare Advantage plan, an insurance company promises to provide all care …
By Elaine Floyd, CFP ® It is common knowledge by now that if a person applies for their Social Security benefit after full retirement age (FRA), the benefit will include delayed retirement credits (DRCs) of 8% per year up to age 70. This is enough to entice savvy people—especially higher earners—to claim at 70 even if …
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