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Fong Law Group
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Medicare Part A and B Costs to Rise Again in 2025
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The Centers for Medicare & Medicaid Services (CMS) has issued the 2025 figures for Medicare. As in 2024, these health care costs are going up across the board. Medicare Part B Changes for 2025 Medicare Part B covers the cost of doctor visits and other preventative care and outpatient medical... Continue reading
Posted Dec 30, 2024 at Fong Law Group
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Entering and Leaving Medicare Advantage Plans
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What Is Medicare Advantage? Medicare Advantage, also known as Medicare Part C, is an alternative to traditional Medicare coverage and is offered by private health insurance companies. Medicare Advantage plans include Medicare Parts A and Part B (Original Medicare). Part C plan options provide all the benefits of Original Medicare... Continue reading
Posted Dec 23, 2024 at Fong Law Group
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The Older Americans Act Is Up for Renewal: Why That Matters
Since its enactment in 1965, the Older Americans Act (OAA) has guided the priorities and operations of key programs and services for the benefit of older adults across the United States. The OAA's primary objective is to promote the well-being, dignity, and independence of older Americans. By providing billions of... Continue reading
Posted Dec 16, 2024 at Fong Law Group
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Medicare Coverage for Telehealth Services in 2025 and Beyond
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Before the COVID-19 pandemic, Medicare beneficiaries who wanted to use virtual health care were few and far between — quite literally. Medicare policy stipulated that to be reimbursed for virtual care, also known as telehealth, a beneficiary had to live in a rural area. Only about 2 percent of Medicare... Continue reading
Posted Dec 9, 2024 at Fong Law Group
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How to Apply for Social Security Retirement Benefits
The Social Security Administration (SSA) advises you to apply for retirement benefits three months before you want your benefits to begin. Even if you have no plans to receive retirement benefits, you should still sign up for Medicare three months before age 65. You can apply for retirement benefits online.... Continue reading
Posted Dec 2, 2024 at Fong Law Group
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Hoarding Disorder in Older Adults: Challenges and Resources
Hoarding disorder disproportionately affects older adults, according to the United States Senate Special Committee on Aging. While about 2 percent of the general population struggles with accumulating too many objects, hoarding impacts over 6 percent of people aged 65 and older. The proportion of older Americans is expected to increase... Continue reading
Posted Nov 25, 2024 at Fong Law Group
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Qualified Medicare Beneficiary (QMB) Program: A 2024 Update
The Qualified Medicare Beneficiary (QMB) Program is one of four types of Medicare Savings Programs. The QMB Program is also the most comprehensive of the four, as it helps individuals with limited income and assets pay not only for Medicare Part A and B premiums, but also for deductibles and... Continue reading
Posted Nov 18, 2024 at Fong Law Group
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Your Social Security Benefits for 2025: COLA Update
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The Social Security Administration (SSA) has officially released its annual cost-of-living adjustment (COLA) figures for 2025. These newly issued numbers will have an impact on monthly Social Security benefits payouts for retirees, as well as recipients of Social Security disability benefits and survivor benefits, over the forthcoming year. The COLA... Continue reading
Posted Nov 11, 2024 at Fong Law Group
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Voting Rights for People With Cognitive Impairment
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We are fortunate to have a representative democracy here in the United States. And a fundamental aspect of a representative democracy is the right to vote, shared by all eligible citizens, including older adults, whether or not they have full cognitive abilities. Among the population of eligible voters are individuals... Continue reading
Posted Nov 4, 2024 at Fong Law Group
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2024 Election: Harris, Trump on Social Security and Medicare
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Keeping track and making sense of government policies and presidential candidates’ promises can be daunting during any election year. This year is no exception. Consider Social Security and Medicare, two 2024 election issues that are top of mind for older Americans. As with any election, the political landscape is always... Continue reading
Posted Oct 28, 2024 at Fong Law Group
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Does Medicare Cover Hearing Aids?
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Hearing loss is common in older adults, but many still don’t wear hearing aids. In addition to helping people to hear better, hearing aids have been demonstrated to have a positive impact on physical and mental health. Cost is a leading factor in why some people don’t use hearing aids.... Continue reading
Posted Oct 21, 2024 at Fong Law Group
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Medicare Open Enrollment - and New Benefits - Are on the Way
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Medicare open enrollment is on the horizon. Now is the time to start thinking about any changes you may want to make to your Medicare coverage. Thanks to the Inflation Reduction Act, some significant changes have come along for Medicare, and more will take effect in the near future. Medicare... Continue reading
Posted Oct 14, 2024 at Fong Law Group
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The Loneliness Epidemic: Helping Seniors Stay Connected
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In recent years, researchers have been finding potential links between feelings of loneliness and negative health outcomes. Feeling lonely may put you at greater risk of premature death, serious health problems, and higher suicide rates. For many, the COVID-19 pandemic made social isolation even more difficult to avoid. In 2023,... Continue reading
Posted Sep 30, 2024 at Fong Law Group
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License Renewals: What Are the New Rules for Senior Drivers?
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For better or for worse, our current culture depends heavily on cars to get where we need to be. In many places across the United States, cars serve as the only convenient link to the outside world. Today, seniors aged 70 and older drive fewer miles than younger drivers, according... Continue reading
Posted Sep 16, 2024 at Fong Law Group
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my Social Security Transitions to Login.gov
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A free and secure online account can be used to manage Social Security benefits. Account users can also check application status, request a replacement Social Security card, and view notices online. By 2022, more than 64 million people had a my Social Security account, per the Social Security Administration (SSA)... Continue reading
Posted Sep 9, 2024 at Fong Law Group
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What You Should Know About the Medicare Tax
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You may have seen the Medicare tax listed on your paycheck stubs or on your income tax return filings and wondered what it is. To learn more about what it is and what it pays for, continue reading. What Is Medicare Tax? Medicare is a federal public benefits program providing... Continue reading
Posted Sep 6, 2024 at Fong Law Group
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New Rental Assistance Rule May Open Benefits to More Seniors
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The Social Security Administration (SSA) has published a final rule simplifying and expanding its rental subsidy program for Supplemental Security Income (SSI). Effective September 30, 2024, the new rule is likely to allow more people to qualify for SSI. In addition, some current SSI recipients may see an increase in... Continue reading
Posted Aug 26, 2024 at Fong Law Group
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Feds Simplify and Clarify Various Medicaid Rules for States
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Thanks to a new rule recently finalized by the federal government, obtaining and renewing health care coverage under the Medicaid program is set to become easier for millions of Americans. What Is Medicaid? Medicaid provides people living on limited income with access to health care services. Enrollees must meet strict... Continue reading
Posted Aug 19, 2024 at Fong Law Group
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Proposed Medicare Bill to Help Seniors With Medical Costs
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In the ever-evolving landscape of health care, one critical challenge has been ensuring that Medicare recipients receive the coverage they need without undue financial burdens. A new legislative effort aims to address a particularly perplexing issue: the distinction between hospital observation status and inpatient status, and its effects on Medicare... Continue reading
Posted Aug 12, 2024 at Fong Law Group
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Promissory Notes and Medicaid Planning
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Medicaid planning is often a complex process aimed at preserving a person’s assets while qualifying for Medicaid benefits. Finding a way to pay for long-term care costs without depleting all your hard-earned assets is a key part of Medicaid planning. One strategy for protecting assets and qualifying for Medicaid that... Continue reading
Posted Aug 5, 2024 at Fong Law Group
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HUD Housing Programs That Support Aging in Place
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Ninety-three percent of adults 55 and older want to remain in their homes as they age, according to U.S. News & World Report. “Aging in place” involves growing old comfortably and safely in one’s dwelling. As adults age, they may want to remain in their homes and communities for several... Continue reading
Posted Jul 29, 2024 at Fong Law Group
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Understanding Medicaid: What Does Medicaid Cover?
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In the complex and frequently changing landscape of health care in the United States, Medicaid stands out as a vital program. Since 1965, it has provided essential coverage to millions of low-income individuals and families. Alongside Medicare, Medicaid serves as a lifeline for those who may otherwise struggle to afford... Continue reading
Posted Jul 22, 2024 at Fong Law Group
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The Costs of the Rising Cost of Long-Term Care
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Do you have a family member who is receiving some form of long-term care? If you don’t, the chances are good that someday you will – and that day may not be too far away. As the U.S. population ages and life expectancies increase, the need for long-term care is... Continue reading
Posted Jul 15, 2024 at Fong Law Group
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Does Divorce Affect Social Security Spousal Benefits?
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More than 50 million Americans receive Social Security retirement benefits. Most of these recipients are retirees who worked and paid Social Security taxes. But millions of dependents and survivors of retired workers, including spouses and ex-spouses, also receive a monthly benefit from Social Security. Spouses can collect Social Security benefits... Continue reading
Posted Jul 8, 2024 at Fong Law Group
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States With the Highest and Lowest Assisted Living Costs
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Today, 58 million adults in the United States are 65 and older. Seniors make up more than 17 percent of the American population. The U.S. Census Bureau expects this number to reach 83.7 million by 2050. Meanwhile, one in every seven older adults will at some point need to rely... Continue reading
Posted Jul 1, 2024 at Fong Law Group
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