Social Security, Medicare & Government Pensions

Everyone wants to get the most in retirement and pension income, as well as the best medical coverage. This book tells you how to apply for all the programs you're eligible for: retirement and disability programs, dependents and survivor benefits, supplemental security income, and veterans benefits.

You'll see what you need to qualify, how to apply for Medicare and Medicaid, and how to combine Medicare with an HMO or managed health plan. Understand how to claim government pensions that you have earned. With the help of this book you can plan your retirement ahead of time by making sure you have all your "ducks in a row" when it comes to your retirement benefits.

Most people don't know which health insurance choice to make upon retiring. Or they make a choice they regret for the rest of their lives. Here you'll find solid advice on whether you should choose a managed care plan, Medicare, a combination of both, or "medigap" coverage. This book can save you tons of money at a time when you'll need it most. 294 pages, 8- 1/2 x 11, $29.99

Contents

Introduction

1: Social Security: The Basics
History of Social Security
Social Security Defined
Eligibility for Benefits
Earning Work Credits
Determining Your Benefit Amount
Your Social Security Record
Reading Your Earnings Record
Correcting Your Earnings and Benefit Statement

2: Social Security Retirement Benefits
Work Credits Required
Timing Your Retirement
The Amount of Your Retirement Check
|Working After Claiming Retirement Benefits

3: Social Security Disability Benefits
Who is Eligible?
What is a Disability?
Amount of Disability Payments
Collecting Additional Benefits
Review of Your Eligibility
Returning to Work

4: Social Security Dependents Benefits
Who is Eligible?
Calculating Dependents Benefits
Eligibility for More Than One Benefit
Working While Receiving Benefits
Offset for Public Employment Pension

5: Social Security Survivors Benefits
Who is Eligible?
Requirements for Deceased's Work Record
Amount of Survivor's Benefits
Eligibility for More Than One Benefit
Working While Receiving Benefits
Offset for Public Employment Pension

6: Supplemental Security Income
Who is Eligible?
Benefit Amounts
Reduction to Benefits

7: Applying for Benefits
Retirement, Dependents and Survivor's Benefits
Disability Benefits
Supplemental Security Income
Finding Out What Happens to Your Claim

8: Appealing Social Security Decisions
Reconsideration of Decision
Administrative Hearing
Appeal to the National Appeals Council
Lawsuits in Federal Court
Lawyers and Other Assistance

9: Federal Civil Service Retirement Benefits
Two Retirement Systems CSRS and FERS
Retirement Benefits
Disability Benefits to Federal Workers
Payments to Surviving Family Members
Applying for CSRS or FERS Benefits

10: Veterans Benefits
Types of Military Service Required
Compensation for Service-Connected Disability
Pension Benefits for Financially Needy Disabled Veterans
Survivors Benefits
Medical Treatment
Getting Information and Applying for Benefits

11: Medicare
The Medicare Maze
Medicare: the Basics
Part A Hospital Insurance
How Much Medicare Part A Pays
Part B Medical Insurance
How Much Medicare Part B Pays

12: Medicare Procedures: Enrollment, Claims and Appeals
Enrolling in Part A Hospital Insurance
Enrolling in Part B Medical Insurance
Medicare's payment of Your Medical Bill
Paying Your Share of the Bill
How to Read a Medicare Summary Notice
Appealing the Denial of a Claim
Health Insurance Counseling Programs
Medicare Part B Carriers

13: Medigap Insurance
Gaps in Medicare
Standard Medigap Benefit Plans
Terms and Conditions of Medigap Policies
Finding the Best Medicare Supplement

14: Medicare Managed Care Plans
The Structure of Managed Care
Choosing a Medicare Managed Care Plan
Comparing Medigap and Managed Care Plans
Your Rights When Joining, Leaving or Losing Managed Care Coverage

15: Medicaid and State Supplements to Medicare
Medicaid Defined
Who is Eligible
Medical Costs Covered by Medicaid
Requirements for Coverage
Cost of Medicaid Coverage
Other State Assistance
Applying for Medicaid, QMB, SLMB, or QI
What to do if You Are Denied Coverage

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