ArcaMax

Hello Toni:

When I turned 65 in May 2024, I continued to work full-time with a health savings account (HSA) as my employer benefits and use GoodRX to cover prescriptions. My employer’s human resources manager advised me to enroll in Medicare Part A when I turned 65, which was not ...Read more

Like a lot of people my age, there are times when I can't find my keys, or my sunglasses, or my phone.

Now and again, I'll get an idea to look something up, reach for my computer, and forget what it was.

Normal aging?

Signs of cognitive impairment?

I'm not sure, but if you have similar questions about yourself or a loved one, and you'd like ...Read more

Like a lot of people my age, there are times when I can't find my keys, or my sunglasses, or my phone.

Now and again, I'll get an idea to look something up, reach for my computer, and forget what it was.

Normal aging?

Signs of cognitive impairment?

I'm not sure, but if you have similar questions about yourself or a loved one, and you'd like ...Read more

Seniors in some parts of the country say they are being denied COVID-19 vaccinations amid an ongoing spike in cases, leading to rising frustration over new Trump administration policies that are making it harder to get the shots.

Matthew D’Amico, 67, of New York City, said a Walgreens declined to administer COVID-19 vaccines to him and his 75...Read more

Toni,

I’m enrolled in Medicare but have not received my Medicare & You Handbook. I need to make some changes, and I’m concerned about what I should do during the fall Medicare season. I need to know which options are right for me. I have some health problems, and I’m concerned that I might make the wrong change to my Medicare and Part D ...Read more

It started with a high school typing course.

Wanda Woods enrolled because her father advised that typing proficiency would lead to jobs. Sure enough, the federal Environmental Protection Agency hired her as an after-school worker while she was still a junior.

Her supervisor “sat me down and put me on a machine called a word processor,” ...Read more

It started with a high school typing course.

Wanda Woods enrolled because her father advised that typing proficiency would lead to jobs. Sure enough, the federal Environmental Protection Agency hired her as an after-school worker while she was still a junior.

Her supervisor “sat me down and put me on a machine called a word processor,” ...Read more

This week’s Medicare column consists of “What if” Medicare questions from Toni Says readers around the United States.

1. What if I did not enroll in Medicare Parts A and B when I should have, because I do not want to pay that extra Part B premium each month? I do not go to the doctor or take any prescriptions. Can I enroll later?

Toni ...Read more

Imagine having an entire gallery of Picasso paintings to enjoy, practically all to yourself. Wandering from one gallery to another, losing yourself along the timeline of an artist’s emerging genius through 5,000 of his works. This is a reward of traveling during the offseason in January to Barcelona, Spain, and the Winter Riviera.

The Winter ...Read more

Hi Toni,

I need your guidance. In September I turn 65, and I am unemployed. I’m on COBRA since retiring in May after I had a heart attack, and I don’t know what to do about enrolling in Medicare. The cardiologist informed me last week that the only thing that will improve my health is having heart surgery.

What health network does Medicare...Read more

Estate planning often sits at the bottom of people’s to-do lists, but it plays a crucial role in securing your family’s financial future. It ensures your loved ones are provided for after you pass away, and outlines how your belongings are distributed.

“Estate planning is for everyone, not just wealthy people,” says Stephen Kates, a ...Read more

For those nearing retirement, there is no shortage of advice about whether to save more, spend less or somewhere in between.

And while those general principles certainly help increase the probability that you will enjoy a more comfortable retirement, there are three specific choices that a person will make as they approach their golden years ...Read more

Morning, Toni:

I am retiring in January, when I turn 70 and my wife, Sharon, will be 66. I have heart issues, with atrial fibrillation (AFib), and Sharon is a diabetic. Last month, we each applied for a long-term care policy and were both denied due to our health. The agent who helped us search for long-term care insurance plans said that ...Read more

MINNEAPOLIS -- Minnesota is on a top 10 list no one wants to be a part of, with the second-highest rate of deadly falls for people age 65 and older, after Wisconsin.

The deadly falls are twice the national average and rising.

Nearly 142 Minnesota seniors per 100,000 died from injuries sustained in a fall in 2021, according to recently released...Read more

Dear Readers: Recently, I received a text message from a Toni Says Medicare client that I would like to share with you. The text reads Toni: I need to put together a 24/7 home care recovery plan after a liver transplant. The surgery is over a year out, but I would appreciate your advice on how to plan for this medical event. Thanks in ...Read more