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Retirement – How to Apply for Medicare


Maura O’Toole,Fitzgibbons Agency
315-312-0803
When it comes to applying for Medicare, what you have to do will depend on your individual situation. Suppose you already receive Social Security or Railroad Retirement benefits (or will get them at least 4 months before you turn 65). In that case, you will automatically be enrolled in Medicare Part A and Part B when you become eligible. Your Medicare coverage will be effective the first of the month in which you turn 65, or if your birthday is on the first day of the month, your Medicare coverage will be effective the first day of the prior month. Suppose you retire at 65 and are not already receiving Social Security or Railroad Retirement benefits. In that case, you will have to sign up for Parts A and B during your 7-month Initial Enrollment Period. How do you signup for Medicare if you need to enroll yourself? ....

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Ready to Retire? Here's How to Retire Well in Maryland


Figuring out where to retire can be exciting. Although it might also be a bit challenging. Where you decide to live has a major impact on your quality of life. Particularly when it comes to how long your savings will last. That’s why you want to examine what each state offers carefully. This allows you to choose the right option. If you are wondering how to retire well in Maryland. Here some critical points to consider.
Cost of Living
In most cases, retirees should take a close look at a state’s cost of living scores before choosing where to retire. They help you determine the overall affordability of a location by comparing it to the national average. ....

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