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Ask Rusty: I’m Confused About Taking Medicare and Social Security
Dear Rusty: I just turned 64 and now get stuff about Medicare and Medigap and so on. I really don’t know how to retire when it’s time. What should I do? What am I looking for? Am I eligible for anything as of now? I’m so confused about all this that I don’t even know […]
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Dear Rusty: I just turned 64 and now get stuff about Medicare and Medigap and so on. I really don’t know how to retire when it’s time. What should I do? What am I looking for? Am I eligible for anything as of now? I’m so confused about all this that I don’t even know if I can retire when it’s time. Maybe I should just continue working so I don’t have to try to figure this out.
Signed: Confused
Dear Confused: Deciding when to retire from work is usually a difficult decision for everyone, so don’t feel alone as you struggle with deciding what’s best for you personally. I’ll try to provide some insight into what you should be looking at now, at age 64.
The reason you’re now getting all that unsolicited information about Medicare and “Medigap” is because you’re approaching the magic age of 65, when you first become eligible for those senior health-care services. But if you are still working and now have “creditable” health-care coverage from your employer, you don’t need to enroll in any Medicare plan until your employer coverage ends (If your employer health-care coverage is a group plan with at least 20 participants, that coverage is “creditable”). So, if you plan to continue working and have creditable health-care coverage, you can simply ignore all those health-care solicitations. You don’t need to worry about enrolling in Medicare until your creditable employer coverage ends, at which point you will be able to enroll in a Medicare program without incurring a late enrollment penalty.
You also do not need to apply for Social Security (SS) now (or at age 65) — you can wait until you retire from working full time to apply for Social Security. In fact, you probably should wait until you fully retire from working to claim Social Security, because at age 64 (or 65) you will be subject to Social Security’s “earnings test” if you claim SS benefits. The earnings test limits how much you can earn before Social Security takes away some of your benefits and, if your earnings are high enough, it could even disqualify you from getting SS benefits while you are still working. Social Security’s earnings test applies until you reach your full retirement age, which is 66 years and 6 months. If you claim Social Security before that and exceed the annual earnings limit ($19,560 for 2022), SS will take away benefits equal to $1 for every $2 you are over the limit. So, if you’re working full time and plan to continue that, waiting to apply for Social Security would be prudent. Delaying Social Security would also mean a higher benefit when you later claim because your benefit will grow for as long as you delay (up to age 70). And although you will become eligible for Medicare when you turn 65, if you’re still working and have creditable health-care coverage from your employer at that time, you can defer enrolling in Medicare until your employer coverage ends.
Russell Gloor is a national Social Security advisor at the AMAC Foundation, the nonprofit arm of the Association of Mature American Citizens (AMAC). The 2.4 million member AMAC says it is a senior advocacy organization. Send your questions to: ssadvisor@amacfoundation.org.
Author’s note: This article is intended for information purposes only and does not represent legal or financial guidance. It presents the opinions and interpretations of the AMAC Foundation’s staff, trained and accredited by the National Social Security Association (NSSA). The NSSA and the AMAC Foundation and its staff are not affiliated with or endorsed by the Social Security Administration or any other governmental entity.
New housing development on Syracuse’s South Side offers homes to adults 55 and over
SYRACUSE, N.Y. — The Gardens at St. Anthony’s Apartments is a new housing development at 411 W. Colvin St. in Syracuse that offers 54 homes for adults ages 55 and older. Half of the apartments are reserved for seniors in “need of supportive services,” RuthAnne Visnauskas, commissioner of New York State Homes and Community Renewal
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SYRACUSE, N.Y. — The Gardens at St. Anthony’s Apartments is a new housing development at 411 W. Colvin St. in Syracuse that offers 54 homes for adults ages 55 and older.
Half of the apartments are reserved for seniors in “need of supportive services,” RuthAnne Visnauskas, commissioner of New York State Homes and Community Renewal (HCR), said in announcing the completion of the project.
HCR held a formal-opening event at the venue on April 12.
The Gardens at St. Anthony’s is the result of a $20 million renovation project at St. Anthony of Padua Catholic School and Convent.
State financing for The Gardens at St. Anthony’s includes federal low-income housing tax credits that generated
$11.1 million in equity and $2.6 million in subsidies from New York State HCR.
The New York State Office of Parks, Recreation and Historic Preservation allocated federal and state historic tax credits that generated $5.9 million in equity and the New York State Energy Research and Development Authority provided $52,400 in support. The City of Syracuse contributed $700,000 in HOME funding, HCR noted.
Rochester–based Home Leasing is the developer and property manager, and Syracuse–based Nascentia Health is the service provider. Home Leasing Construction completed the renovations.
The renovated property includes 27 apartments for seniors who will have access to on-site services funded through the Empire State Supportive Housing Initiative and administered by the New York State Department of Health. Nascentia Health is coordinating and providing the supportive services. The remaining apartments are for adults ages 55 and older with incomes at or below 60 percent of the area median income.
The St. Anthony of Padua Catholic School and Convent building were originally constructed in 1926 and are listed on the National Register of Historic Places. After closing as a private school, the Syracuse City School District used the property until 2009.
UnitedHealthcare offers virtual PT program
UnitedHealthcare says it has introduced a new virtual physical-therapy (PT) program to help improve support for people with musculoskeletal issues. It provides eligible members with round-the-clock, on-demand exercise feedback powered by artificial intelligence (AI), the health insurer said in an April 18 announcement. The program builds upon a broad set of musculoskeletal products for employers designed
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UnitedHealthcare says it has introduced a new virtual physical-therapy (PT) program to help improve support for people with musculoskeletal issues.
It provides eligible members with round-the-clock, on-demand exercise feedback powered by artificial intelligence (AI), the health insurer said in an April 18 announcement.
The program builds upon a broad set of musculoskeletal products for employers designed to help enhance health outcomes; and reduce costs and avoid often unnecessary invasive treatments, such as imaging, surgery, or opioid prescriptions.
UnitedHealthcare is one of the businesses of Minnetonka, Minnesota–based UnitedHealth Group (NYSE: UNH).
UnitedHealthcare sees the new program as important given that an estimated 50 percent of U.S. adults are affected by musculoskeletal conditions, such as back, knee, or shoulder pain. Associated treatments account for about 10 percent of annual medical expenses, the health insurer said, citing a Healthcare Economics analysis of UnitedHealthcare 2020 claims.
Many orthopedic procedures may be beneficial, but UnitedHealthcare points to a recent study that found that some treatments are “no more effective than noninvasive options,” including exercise, physical therapy, or acupuncture.
“UnitedHealthcare’s Virtual Physical Therapy program offers people the convenience of 24/7 access to PT coaching sessions at home or on the go, further enhancing our holistic approach to help address musculoskeletal issues by combining advanced technology with proactive engagement, personalized support, and consumer-centric benefit designs,” Dr. Russell Amundson, national senior medical director at UnitedHealthcare, said. “With millions of Americans experiencing orthopedic issues currently or at some point during their lifetimes, this AI-driven approach supplements our existing virtual physical therapy benefit with a new resource to help people recover from injury or surgery.”
UnitedHealthcare says virtual physical therapy is part of its focus on expanding the use of virtual care and digital-health resources, which is “bolstered by an annual enterprise-wide investment” of more than $5 billion in data, technology, and innovation.
The program is available nationwide as a buy-up option for employers with self-funded health plans.
About virtual physical therapy
UnitedHealthcare says eligible members recovering from surgery or injury start by completing an assessment of current issues, either on a mobile device or at myuhc.com, and will receive a referral to virtual physical therapy if appropriate.
Qualified members then download the Kaia Health app, which uses an AI-based system to help support individuals through PT exercises and deliver personalized feedback to help ensure the movements are done correctly.
Program participants also have access to one-to-one health coaching, including by phone or via the in-app chat feature, along with educational information and meditation and breathing exercises to help with pain management and relaxation, UnitedHealthcare said.
Health coaches are available to help motivate members, assist with setting realistic goals, and encourage adherence to the recommended exercises.
To track progress and determine if further support is necessary, the app uses motion monitoring to provide feedback in real-time, offering suggestions akin to what people might receive from a physical therapist at an in-person appointment.
The exercises are analyzed over time by the app’s “triage” algorithms, along with self-reported outcomes such as perceived pain levels and mobility, to help identify members in need of additional coaching or intervention, per the health insurer’s announcement.
Five Central New York firms certified as service-disabled vet-owned businesses
New York Office of General Services (OGS) Acting Commissioner Jeanette Moy recently announced that five Central New York companies have been certified as a service-disabled veteran-owned business (SDVOB). The New York Office of General Services’ (OGS) Division of Service-Disabled Veterans’ Business Development (DSDVBD) issued the certification to: • Exclusive Veteran Private Security LLC, located in Norwich, which
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New York Office of General Services (OGS) Acting Commissioner Jeanette Moy recently announced that five Central New York companies have been certified as a service-disabled veteran-owned business (SDVOB).
The New York Office of General Services’ (OGS) Division of Service-Disabled Veterans’ Business Development (DSDVBD) issued the certification to:
• Exclusive Veteran Private Security LLC, located in Norwich, which provides security and personal-protection services.
• J&M Expedited Trucking LLC (dba J&M Logistics and More), of Syracuse, a provider of freight-transportation services.
• The Baxter McNally & Whitney Group LLC, based in Oswego, which specializes in project management.
• HappyHealing420 LLC (dba Ananda Farms), of Fulton, a firm engaged in hemp and cannabis production.
• L’s Construction & Cabinetry LLC, of Syracuse, which specializes in cabinet construction and installation.
These five businesses were among nine newly certified businesses in New York state announced by OGS on March 8. The DSDVBD was created by New York State government in 2014 through enactment of the Service-Disabled Veteran-Owned Business Act. The state had 958 certified businesses, as of March 8.
For a business to receive certification, one or more service-disabled veterans — with a service-connected disability rating of 10 percent or more from the U.S. Department of Veterans Affairs (or from the New York State Division of Veterans’ Affairs for National Guard veterans) — must own at least 51 percent of the company. Other criteria include: the business must be independently owned and operated and have a significant business presence in New York, it must have conducted business for at least one year prior to the application date, and it must qualify as a small business under the New York State program. Several more requirements also need to be met.
OPINION: Albany’s Budget Process Remains Severely Broken
Once again, New York’s budget was passed with little respect given to even the most basic expectations of transparency and democratic ideals. It was a week late, passed in the dead of night with almost no input from anyone outside the governor and legislative majority leaders, and it featured a record level of spending. New Yorkers have
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Once again, New York’s budget was passed with little respect given to even the most basic expectations of transparency and democratic ideals. It was a week late, passed in the dead of night with almost no input from anyone outside the governor and legislative majority leaders, and it featured a record level of spending. New Yorkers have grown sick and tired of this kind of leadership, and Gov. Kathy Hochul’s promises to change the way things are done in Albany have proven to be little more than lip service.
The final spending plan, at an unsettling $220 billion, shows no regard for fiscal prudence or responsible spending. Unsurprisingly, the enacted budget includes a 3.5 percent spending increase. In order to sustain that multi-billion-dollar spike in costs, the budget relies heavily on emergency federal funding — a
$12.7 billion injection that will be spread out over the next four years. To put the enormity of Albany’s new budget in context, the state of Texas has nearly 9 million more residents than New York but spends in two years ($248.6 billion) just above what New York spends in just one year.
Democrats in Albany have shown time and again they do not understand the value of taxpayer money, and this budget is another perfect example of that fact.
Perhaps the most disappointing element of this budget is what it will fail to do. Public-safety concerns and record inflation were glossed over with superficial remedies designed to do the bare minimum to placate critics. Judges need to be allowed to consider the public’s safety when setting bail and they still aren’t. Meanwhile, everyday items New Yorkers rely on are still too expensive. While New Yorkers continue to fear for their safety and worry about balancing family budgets, Democrats failed to adequately address either of these critical issues in the budget.
In addition, there was no long-term commitment to solving the state’s persistent affordability crisis. The cost of living and doing business is the primary driver of New York’s nation’s-worst outmigration, and that remains a problem despite a record-setting spending plan. One-time revenue streams won’t be here forever, and a sustained solution to cut costs, fees, and regulations is still needed.
While overall a disappointment, there were some agreements offering a modicum of promise that I was happy to see included in the final budget. For example, the temporary suspension of the state tax on gas will provide some relief for consumers and is part of $4.6 billion in tax cuts, which are overdue and welcome. This budget needed to do more, though, and it came up short where it counts.
Ultimately, this state budget is heavy on short-term solutions that make for neat press releases and is woefully shy on long-term systemic solutions to New York’s tax-and-spend mentality. The Assembly minority conference will continue to push back against these unsustainable policies and fight to improve the lives of New Yorkers from every region of the state. This budget leaves much to be desired and much work for us to do in the coming months.
William (Will) A. Barclay, 53, Republican, is the New York Assembly minority leader and represents the 120th New York Assembly District, which encompasses most of Oswego County, including the cities of Oswego and Fulton, as well as the town of Lysander in Onondaga County and town of Ellisburg in Jefferson County.
OPINION: Bipartisanship is necessary in our system of government
Is bipartisanship dead? Sometimes it seems like it is. Watching Democrats and Republicans fight over nearly everything, you’d think they can’t agree on the difference between day and night. Witness the partisan reaction to President Joe Biden’s nomination of Judge Ketanji Brown Jackson to the Supreme Court. An eminently qualified jurist who would be the first Black
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Is bipartisanship dead? Sometimes it seems like it is. Watching Democrats and Republicans fight over nearly everything, you’d think they can’t agree on the difference between day and night.
Witness the partisan reaction to President Joe Biden’s nomination of Judge Ketanji Brown Jackson to the Supreme Court. An eminently qualified jurist who would be the first Black woman on the nation’s highest court, she faced nearly unanimous opposition from Republicans.
When I was first elected to Congress, Supreme Court nominees were approved by voice vote in the Senate, without even a record of who voted for and against. Later, three of President Ronald Reagan’s appointees were approved unanimously. Things have changed.
Look beyond the headlines, however, and you’ll find evidence that bipartisanship is still alive, if not always well. Republicans and Democrats may deadlock over high-profile matters, but they can still work across the aisle to make progress on many issues.
Bipartisanship is popular with the public, which likes to know that legislation has support from both parties. Polls find that overwhelming majorities of the American people consider bipartisanship important. And for good reason. It’s difficult, in our system of government, to get anything passed — and to get it implemented — without some bipartisan support. Legislation doesn’t need overwhelmingly bipartisan support to be effective, but even a few votes from the other side can make a difference. Bipartisanship isn’t just popular; it’s necessary.
Yet there isn’t any doubt that we live in a politically polarized time, and what we see in Washington, D.C. reflects that. Thanks to social media and partisan cable-news outlets, Americans increasingly live in partisan bubbles, having little contact with people with different views.
Congress reflects those divisions, and it can from time to time, exacerbate them. This is a critical election year, with control of the House of Representatives and Senate up for grabs. Politicians know that stoking outrage by attacking their opponents is a good way to raise campaign funds, boost turnout, and win elections. Conflict gets attention, and attention can increase the benefits of conflict.
Often in the past, U.S. politicians fought bitterly over domestic issues but united around a bipartisan foreign policy. A popular maxim after World War II was that “politics stops at the water’s edge.” That’s no longer the case, and it hasn’t been for a while.
Certainly, Americans have been united in their outrage at Russia’s unprovoked and brutal war against Ukraine. Nearly every member of Congress condemned it, Congress approved billions of dollars in military and humanitarian aid for Ukrainians, and Republicans and Democrats mostly supported Biden’s imposition of sanctions on Russia. But lawmakers struggled to respond legislatively, and some Republicans cited the war to question Biden’s leadership.
Partisan headwinds blocked some of Biden’s domestic priorities, including ambitious efforts to create jobs, fight climate change, protect voting rights, reform immigration laws and strengthen gun control. But other worthwhile measures have won support from both Democrats and Republicans, often without a lot of attention.
Congress reauthorized the Violence Against Women Act, adding the language to a government spending bill. It overwhelmingly passed legislation to reform Postal Service finances. Both the House and Senate have passed versions of a bipartisan act aimed at investing in semiconductor production and helping the U.S. compete with China.
Congress banned companies from forcing their employees to settle sexual assault or harassment claims with arbitration, a practice that hushed up the claims and kept them out of court. And the idea of banning stock trading by members of Congress has gained traction.
These bipartisan success stories — and there are others — often required lawmakers to compromise and work with their political adversaries, but that’s the way our system of government was designed to work. Bipartisanship isn’t dead, and by strengthening it we will make our political system work better.
Lee Hamilton, 91, is a senior advisor for the Indiana University (IU) Center on Representative Government, distinguished scholar at IU Hamilton Lugar School of Global and International Studies, and professor of practice at the IU O’Neill School of Public and Environmental Affairs. Hamilton, a Democrat, was a member of the U.S. House of Representatives for 34 years (1965-1999), representing a district in south-central Indiana.
TAMIKA OTIS has been named corporate responsibility officer and community relations manager at KeyBank for its Central New York market. She will be based in Syracuse. Otis has more than 15 years of leadership and program-management experience and will oversee KeyBank’s broad community engagement strategy. This includes Community Reinvestment Act (CRA) compliance and execution of
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TAMIKA OTIS has been named corporate responsibility officer and community relations manager at KeyBank for its Central New York market. She will be based in Syracuse. Otis has more than 15 years of leadership and program-management experience and will oversee KeyBank’s broad community engagement strategy. This includes Community Reinvestment Act (CRA) compliance and execution of KeyBank’s National Community Benefits Plan in Central New York. Since 2017, KeyBank has invested more than $284 million in its Central New York market through this plan, supporting small business and home lending in low- and-moderate income communities, affordable housing and community development projects, and philanthropic efforts targeted toward education, workforce development, and safe, vital neighborhoods. Most recently, Otis served as director of the KeyBank Business Boost & Build Program, powered by JumpStart. The initiative was designed to stimulate economic growth and workforce development by fostering small-business success. As director, she exceeded all of KeyBank’s established performance metrics for the four-year program in just three years. Also during her time at Jumpstart, Otis managed and executed grant funds across four upstate New York markets during the COVID-19 pandemic, deploying capital to 128 small and under-resourced business owners.
ALICE CHENEY has been promoted to relationship manager at Key Private Bank in Syracuse. In her new role, she will continue to enhance client relationships and provide financial guidance to help them meet their goals, while also working to develop new business. Prior to her promotion, Cheney worked in various roles, including 10 years with Key Private Bank and will be celebrating 20 years with KeyBank later this year. A Central New York native, Cheney graduated from Alfred State College.
CALEB HAYDEN has joined Ryan Biggs | Clark Davis Engineering & Surveying, D.P.C. — a firm specializing in structural engineering and land surveying in Skaneateles Falls — as structural design engineer. He will assist in the design and investigation of educational, municipal, and health-care projects. Hayden is a Norwich University Corps of Cadets graduate in
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CALEB HAYDEN has joined Ryan Biggs | Clark Davis Engineering & Surveying, D.P.C. — a firm specializing in structural engineering and land surveying in Skaneateles Falls — as structural design engineer. He will assist in the design and investigation of educational, municipal, and health-care projects. Hayden is a Norwich University Corps of Cadets graduate in civil engineering. He is also an engineering officer in the New York National Guard, where he oversees a horizontal construction platoon of soldiers.
D&B Engineers and Architects — an engineering and consulting firm specializing in wastewater, water supply, hazardous waste, construction management, architecture, solid waste and civil and environmental engineering — has promoted GUNTHER J. SCHNORR to senior engineer. He joined D&B Engineers and Architects in 2019 as engineer III in the firm’s Syracuse office which services municipalities
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D&B Engineers and Architects — an engineering and consulting firm specializing in wastewater, water supply, hazardous waste, construction management, architecture, solid waste and civil and environmental engineering — has promoted GUNTHER J. SCHNORR to senior engineer. He joined D&B Engineers and Architects in 2019 as engineer III in the firm’s Syracuse office which services municipalities and private firms in Central and Western New York state. Schnorr has more than 10 years of environmental-engineering experience in hazardous-waste investigation, design and remediation at former manufactured-gas plant sites, utility sites, and industrial sites including residential/industrial building decommissioning and demolition. Schnorr earned a bachelor’s degree in environmental resources and forest engineering from SUNY College of Environmental Science and Forestry in Syracuse.
WHITNEY SMITH, a certified physician assistant, has recently joined Carthage Pediatric Clinic at 117 N. Mechanic St. in Carthage. She has six years of pediatric experience in outpatient private practice and newborn nursery. Smith recently moved to the North Country of New York state from Fayetteville, North Carolina and originally hails from Concord, North Carolina.
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WHITNEY SMITH, a certified physician assistant, has recently joined Carthage Pediatric Clinic at 117 N. Mechanic St. in Carthage. She has six years of pediatric experience in outpatient private practice and newborn nursery. Smith recently moved to the North Country of New York state from Fayetteville, North Carolina and originally hails from Concord, North Carolina. She completed her bachelor’s degree in chemistry with a Spanish minor from Davidson College in 2009. Smith received her master’s degree in physician-assistant studies from Methodist University in North Carolina in 2015. After completing her education, Smith began her physician-assistant career at Cross Creek Pediatrics in Fayetteville, North Carolina From there, she gained experience at Kids First Pediatrics in the same city, before moving to Northern New York.
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