Healthcare Without Medicare
Some figures have long been of crucial importance for the retirement benefits. At the age of 59 and a half, you can use pension plans without paying a 10% surcharge. At 62, you can start collecting Social Security retirement benefits. And at 65, workers and their spouses eligible for Medicare, the health insurance program of the Swiss Confederation. In recent years, a new number was added to the list. “I celebrate the birth of 63 and a half-day information for customers,” said Dave Gardner, Chief Financial Yellowstone in Boulder, Colo. “This is when it reaches the point where they can all COBRA coverage in the Track and by the disease. ”
Sixty-three of the five points has become an important milestone for a number of reasons cited. First, there’s the decline of the employer, health care benefits for retirees. As the decline in pension benefits, private employers, individual companies are also under group health care long served employees. Only 33% of employers with more than 200 employees provide benefits for retirees health, compared with 66% in 1988. The term “small” employers, such benefits are almost nonexistent.
Secondly, the acceleration of medical costs shows no signs of slowing. Today, a small outpatient such kidneys can remove the stone with rising costs $ 20000, some without health insurance, a stay of a few days in a hospital can be a retirement portfolio that decimated since dozens years to accumulate.
“I have customers who said they were in good health, so that they can finally, they can go without health insurance for a few months until they are Medicare,” says Ernest Hathaway, cofounder of the Institute of Finance Strategies Midvale, Utah. “Bad idea! A fall, a heart attack or other medical problem could quite wegzaubern their retirement benefits.”
Does your customers insurable?
Making preretirement planning is all the more urgent that, in these days of private health plans, you can as far as 30% of early retirees. “I am surprised by the number of customers apparently healthy, which do not qualify for individual coverage,” says Linda Campbell, Senior Financial planners with Budros, Ruhlin & Roe in Columbus, Ohio.
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