Count on Retiring Early The high cost of retiree medical insurance and the barriers to coverage due to pre existing conditions have long been a significant obstacle for most Americans who want to retire before age 65, mlb jerseys the eligibility age for Medicare. Does the health reform bill help? For some people, yes, but the high cost of retiree medical insurance will still be a challenge for many Americans. The moncler mens jackets sale true effect of the health reform bill is a complex subject that will take a few posts to fully cover, and I ll write about this over the next week or two in order to give it the coverage it deserves. For this post, though, let s assume you re part of the vast majority of Americans who won t get retiree medical insurance from your employer or your spouse s employer. (A future post will cover issues of concern for the lucky few who might be eligible for employer sponsored retiree health benefits.) If you re like most Americans, you re on your own when it comes to buying individual medical coverage if you retire before you turn 65. Often this coverage isn t available at any cost due to pre existing conditions. And even if you don t have pre existing conditions, the cost can be prohibitive. Since they can t obtain affordable health insurance, many Americans put off retirement. The story changes when you become eligible for Medicare at age 65. Medicare covers you regardless of your health conditions, and the monthly premium is affordable for most people (in 2010, it s either $96.40 or $110.50 for most retirees). Also, insurance companies that sell Medigap coverage can t use pre existing conditions to deny you coverage. Now let s look at the most important feature of the health care reform legislation that s relevant to early retirees. Starting in 2014, the purchase of health insurance will be mandatory and states will create American Health Benefit Exchanges where individuals can purchase health insurance if they don t have employer provided insurance. In addition, premium subsidies will be provided to families whose annual income is between 133 percent and 400 percent of the poverty level. This table summarizes these thresholds in 2010. Family Size: 1 2 3 4 Poverty Level: $10,850 $14,570 $18,310 $22,050 133% of poverty level: $14,430 $19,378 $24,352 $29,326 400% of poverty level: $43,400 $58,280 $73,240 $88,200 If your annual income is under 133 percent of the poverty level, you ll be eligible for an expanded Medicaid program. But if your annual income is over 400 percent of the poverty level, there will be no subsidy and you ll be paying the full freight for health insurance. In this case, the total cost can run several thousands of dollars per year for an individual, as you ll see in the table below. The subsidy will be offered on a Moncler bulgarie jackets with rabbits Men doudoune brown Moncler shiny thomas Men down jackets black sliding scale, limiting the premium paid by the individual to 2 percent of gross income at 133 percent of the poverty level and going up to 9.5 percent of income at 400 percent of the poverty level. The formula for the subsidies is complicated, but fortunately for us, the Kaiser Family Foundation (KFF) has developed a friendly online Health Reform Subsidy Calculator that does the math for us to illustrate the amounts of federal Moncler Loire down Women coat with zip Khaki moncler grenoble subsidies. The chart below shows an example. Suppose you re an individual age 60, and you live in a mid cost region as specified by the KFF. The following table shows estimates from this calculator of the total annual cost of medical insurance, the subsidy at various levels of income, and the resulting amount paid by the retiree, as follows. Income Total Premium Subsidy Amount Paid by Individual $30,000 $7,911 $5,261 $2,650 MONCLER Women Vest-Branson decorative belt light blue $40,000 $7,911 $4,111 $3,800 $50,000 $7,911 $0 $7,911 Note: All amounts are annual. Total premiums are representative of 2009 levels. Please keep in mind that we are interpreting a new, complicated law, and that the above table shows estimates of events that are projected to take place in 2014. A lot can happen in the meantime, so stay tuned on this subject. Also keep in mind that these are illustrative examples, and that your total annual premium can vary Moncler down Men jackets giotto Yellow Collar Hooded widely, due to plan features such as deductibles, coinsurance and the area of the country in which you live. The above table shows that health reform can indeed be good news for lower income retirees, but the beneficial effect diminishes for middle class retirees. It s pretty obvious that even after 2014, you might still be paying a lot for retiree medical insurance. The bottom line: Whether you retire before or after 2014, an important part of your retirement planning is to do moncler london the math in order to determine the best option for your circumstances with respect to health insurance. It can affect the age at which you can retire

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Countdown To Croker HOW MO CAN YOU GO?: The Irish rugby community, jerseys from grass roots level right up to the international squads, has really embraced Movember, the annual, month long celebration of the moustache which highlights men s health issues, specially prostate and testicular cancer. Mo Bros, supported by their Mo Sistas, start Movember (November 1) clean shaven and then have the remainder of the month to grow and groom their moustache. During Movember, each Mo Bro effectively becomes a walking billboard for men s health and, via their Mo, raises essential funds and awareness for Movember s men s health partner Action Prostate Cancer, Irish Cancer Society before the shave off at the end of the month. The idea for Movember came about in 2003 when a few mates were Moncler Vest down Men black no hat zip having a beer in a small bar in Melbourne, Australia. Inspired by the women s health movement, it was recognised that men were lacking a way to engage and actively involve themselves in their own health. During a conversation about fashion and past trends, the idea came up to bring the moustache back for one month, and in doing so, have some fun, raise a small amount of money and hopefully encourage men to talk about their health with each other. Since this time, Movember has continued to grow each year, both in terms of participation numbers and funds raised. In its first year, 30 Mo Bros took Moncler Women down jacket big neck Grey part in Movember and last year, across the globe more than 173,000 Mo Bros and Sistas got on board, raising more than million across the Movember s men s health partners globally. Within the Ireland squad, there has been plenty of freshly grown facial hair sprouting up in the last number of weeks. You can help support Movember by donating money in recognition of some of the players efforts. Three of players in the squad to play South Africa Jamie Heaslip, Cian Healy and Tony Buckley have their own Movember moncler tracksuit women donation pages. Please give what you can to support this worthy cause, and in the words of Ireland s number 8, let s get the push on! Jamie s Mo Space Cian s Mo Space Tony s Mo Space FLASHBACK NOVEMBER 11, 2006 IRELAND 32 SOUTH AFRICA 15: Ireland signalled their intent for the season ahead as they ran four classy tries past South Africa to send Jake White s men spiralling out of a windswept Dublin. Eddie O Sullivan s Irish side ran riot in the first half to launch the GUINNESS Test Series with a crushing Moncler Women down coat long Hooded Tunic white 32 15 victory over South Africa. The win was only Ireland s third in 18 meetings Moncler garonne down Mens jackets rose red maya Zip Collar with the Boks, following on from the successes in 1965 and 2004. The Triple Crown holders, with a settled line up, entered the match as red hot favourites and fully justified the tag with a blistering display that cut the outclassed Boks to pieces. Tries from Andrew Trimble, David Wallace, Marcus Horan and Shane Horgan did the damage. At times in the first half they looked unstoppable with Trimble, Horgan, Gordon D Arcy and captain Brian O Driscoll turning on the style to leave the understength visitors chasing shadows. Ronan O Gara controlled the game to good effect from out half and kicked 12 points, while up front, the monster touring pack was dismantled by the Irish. The home side found less space in the second half, which saw Francois Steyn and Bryan Habana dot down for South Africa, but they were already out of sight before Horgan s late try gift wrapped the result. South Africa wore replicas of their original 1906 jersey, with no sponsor s logo, to commemorate a centenary of Springbok rugby, moncler beanie men but it was not a performance to honour their proud history. In two personal milestones, skipper John Smit equalled Gary Teichmann s record of 36 games as captain and also became the first Springbok to make 40 consecutive appearances. But otherwise the 28 year old Sharks hooker the only survivor from the 17 12 defeat in Dublin two years ago will want to forget his side s performance as quickly as possible. The Springboks experimental line up coach White left ten first choice players at home included three new caps in Bevin Fortuin, Jaco Pretorius and Steyn. Try machine Habana played his first Test match moncler outlet online shop at outside centre and Ireland took full advantage of their opponents lack of experience. It looked very different at the start, however, as breaks from Fortuin and Ricky Januarie swept South Africa deep into Irish territory before Andre Pretorius missed with a drop goal. But the Cats number 10 made amends by nailing a penalty moments later as the tourists capitalised on their impressive opening only to then concede the opening try. Ireland surged forward and won a scrum 10 metres out, which moncler vanoise they used to bring Trimble in from the left wing and the powerful Ulsterman burst through the Springbok midfield and crossed close to the posts. O Gara converted to give the home side a 7 3 lead. South Africa set off on a 10 metre rolling maul in the 18th minute but Pretorius knocked the ball on and Ireland capitalised with a huge kick from O Gara that pinned the tourists back close to their line. Pretorius attempted to clear from the lineout but only found Trimble, who set up a promising move which was halted when O Gara ran back into the forwards. The Munster out half had won a penalty, however, which he sent between the uprights. Trimble began the move that led to Ireland s second try in the 24th minute, with the Ulster winger breaking through several tackles before recycling

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Text and images are provided by National Palace Museum