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Health Insurance Options: New Regulations Will Make HRAs Viable Once Again

In 2002, a new type of employer health coverage was introduced that became known as Health Reimbursement Arrangements, or HRAs for short. HRAs allowed small and mid-sized businesses to reimburse employees for the premiums they paid to buy health insurance policies in the individual market. However, HRAs were effectively killed by the Affordable Care Act […]

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Social Security Claiming Strategies: What You Should Know Now About Restricted Application

Many retired couples utilize a strategy that enables them to boost their combined Social Security income. Known as restricted application, this strategy involves the higher earning spouse choosing to receive spousal benefits while waiting until later to receive his or her own benefits. However, this strategy will no longer be available after 2019. This makes […]

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Long-term Care Insurance: Is This a Good Buy for You?

One aspect of retirement planning many people neglect is the possibility that they may face crippling costs for long-term care (or LTC) after they retire. In fact, if you’re 65 years of age or over, there’s a 70 percent chance that you will require some type of long-term care services, notes the U.S. Department of […]

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Catching FIRE: How to Retire Super Early

There’s a growing movement among some people today to retire far sooner than what is generally considered to be the traditional retirement age of 65. Known as FIRE — which stands for Financial Independence Retire Early — this strategy generally involves living a frugal lifestyle in order to save large amounts of money for retirement. […]

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Understanding Social Security Spouse and Survivor Benefits

If you’re like millions of Americans, you’re counting on Social Security as an important source of income during your retirement years. This makes it critical to plan carefully for how you can maximize your Social Security benefits when you retire. One common mistake made by many married couples when planning the role of Social Security […]

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