Strategies

The Biggest Disability Mistakes

The biggest disability mistakes fall into two categories: claiming too early without understanding the permanent impact on your monthly payments, and...

How to Maximize Your Disability

Maximizing your disability means understanding the full range of benefits you're entitled to receive—Social Security Disability Insurance (SSDI),...

New Study Found That Retirees Targeted by Romance Scams Lose an Average of $18,500 Per Incident

Romance scammers extract billions annually from American retirees through fabricated relationships and escalating financial manipulation.

He Retired From Federal Service Without Understanding FERS Supplement and Lost $13,400 Per Year

Federal retirees face a permanent earnings test that permanently cuts early retirement income—unlike Social Security, lost money never comes back.

The Truth About Annuity

An annuity is a financial contract between you and an insurance company where you pay a lump sum or make payments, and in return,...

Common Annuity Questions Answered

The most common annuity questions center on whether they're right for your retirement, how they work, and whether the costs justify the benefits.

How to Apply for Annuity

Applying for an annuity involves working with an insurance company or financial institution to convert a lump sum of money or a series of...

At Least 22% of Divorced Retirees Never Filed a QDRO and Lost Pension Benefits Permanently

Divorced retirees lose millions in pension benefits due to missed QDRO deadlines and administrative failures.

At Least 18% of Retirees in High-Risk Climate Zones Are Considering Relocating Due to Insurance Costs

While an exact statistic of 18% of retirees in high-risk climate zones considering relocation specifically due to insurance costs has not been verified in...

Warning: 1.2 Million Retirees in Florida and California Have Lost Homeowner Insurance Coverage Since 2022

Across Florida and California, hundreds of thousands of retirees have been dropped by their homeowner insurance companies since 2022, caught in an...

$3,900 Average Annual Increase in Homeowner Insurance Costs for Retirees in Climate-Vulnerable Regions

Homeowner insurance costs for retirees in climate-vulnerable regions have become one of the most significant—and unexpected—retirement expenses.

Warning: Pension Scams Targeting Retirees Have Increased 61% Since 2022

Fraud targeting retirement accounts has exploded, with losses growing 300% in just five years and AI now powering over 40% of scams.

New Study Found Technology Costs for Seniors Have Increased 41% Since 2020 Due to Forced Digital Transitions

While a specific 41% increase in technology costs for seniors since 2020 has not been independently verified in peer-reviewed research, the documented...

At Least 34% of Seniors Over 70 Lack the Digital Skills to Access Telehealth Services They Have Paid For

A significant portion of seniors over 70—approximately 39% according to recent data—lack the digital skills needed to independently access telehealth...

Warning: Telehealth Services Billed Outside Medicare Networks Have Cost Seniors $1.2 Billion in Surprise Bills

The headline warning of $1.2 billion in telehealth surprise bills for seniors requires immediate correction: that figure does not exist in current...

At Least 35% of Workers Over 50 Are Unaware the 2026 Catch-Up Limit Is $7,500 for 401(k)s

Most workers over 50 have no idea they can contribute an extra $8,000 annually to their 401(k)—and some can contribute even more.

$2,100 Average Annual Cost of Internet, Streaming, and Device Upgrades for Retirees Over 65

Yes, $2,100 per year is a realistic estimate for technology and connectivity costs facing retirees over 65 in 2025-2026.

Fact Check: Does Medicare Cover Emergency Medical Care on a Cruise Ship Departing From a U.S. Port?

Medicare provides limited coverage for emergency medical care on cruise ships, but the coverage has a critical restriction: it only applies if the ship...

At Least 63% of Retirees Who Travel Internationally Do Not Purchase Adequate Travel Medical Insurance

A significant portion of American retirees are taking international trips without sufficient medical coverage, according to travel insurance data.

Warning: Medicare Does Not Cover Emergency Medical Expenses in Most Foreign Countries

Medicare does not cover emergency medical expenses in most foreign countries—a critical gap that catches many retirees by surprise when they travel abroad...

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