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7 Reasons to Learn About Medicare Early in Your Career

March 4, 2020 by Sharlyn Lauby 2 Comments

sunset on the beach in Waikiki thinking about the answer to Medicare problems

Last year, I wrote an article about the importance of understanding Social Security early in life. Social Security is complex and it’s going to take a while to understand all of the nuances of the program. In addition, whether it’s an election year or not, Social Security is a program that is being talked about by both Democrats and Republicans. If you have an opinion about Social Security (and you should) then you will want to pay attention to what the candidates have to say and make sure your legislators know your views. 

A program that is often included in the same sentence with Social Security is Medicare. It’s a national health insurance program started in 1966. Medicare primarily provides Americans over age 65 with health insurance but it does also provide benefits to some younger people with disabilities. 

Medicare has four parts. Here’s a really high level overview: Part A covers hospital services. Part B covers doctors services. Part C is an alternative to Parts A & B called Medicare Advantage. And Part D covers prescription drugs. I’m sure you can already see how this is going to get complicated. 

AARP recently held a webinar series called “Making Sense of Medicare” that I thought was very interesting. In fairness to them, it by no means answered everything you might want to know about Medicare. But it did provide a good foundation that you can build upon. Here are a few of my takeaways from the webinar:

  1. Like Social Security, Medicare is age driven. The enrollment window for Medicare begins three months before you turn age 65 to 3 months after. You can sign up online or at a Social Security office. There are consequences if you don’t sign up within your enrollment window. 
  2. Unlike Social Security, Medicare involves making a decision. When you sign up for Social Security, that’s it…you sign up. Medicare involves making a decision: Do you want the Original plan or the Advantage plan? There are pros and cons to each. Good news though, neither plan has a pre-existing condition clause.
  3. The Original Plan offers more choices. Under the Original plan, you can choose any doctor. For some people, that is a very important consideration. It also means that your costs could be a bit higher. But having the freedom of choice could be worth it. Oh, and there’s no dental or vision. Individuals who choose the Original Plan often make up the difference by purchasing Medicare supplemental coverage.
  4. With the Advantage plan, you could have lower out of pocket costs because you’re working within the Medicare network of doctors, hospitals, etc. This could be frustrating because you have to find doctors and providers who will take your coverage. But the savings might be worth it.  
  5. Obviously, the decision about whether to go with the Original plan or the Advantage plan is entirely yours. Everyone’s medical and financial situation is different. The good news is resources are available. AARP has a Medicare Resource Center on their website. There’s also the State Health Insurance Assistance Program (SHIP), a network on free, one-on-one counseling and assistance, designed to help people navigate the complexities of Medicare. 
  6. Keep in mind that while Medicare could be years away for you, it’s possible you have a parent or loved one that is close to Medicare age and they might be looking for resources. The AARP Resource page and SHIP could be a way that you can help them. 
  7. You will want to plan on reevaluating your coverages every year. The good news is that once you make a decision, it is possible to change your coverage. Granted, there might be consequences, but it could be worth it. If you’re in the corporate world, then you’re familiar with the term “open enrollment”. Well, guess what? Medicare has open enrollment too. When you sign up for Medicare, plan on participating in open enrollment for the rest of your life. 

Health insurance has never been an easy subject and it doesn’t look like it will get any easier when we retire. That’s why it’s important to spend time learning about Medicare now. So, when it comes time to make health insurance decisions, we can make the best ones possible for ourselves and our families.

Image captured by Sharlyn Lauby during sunset at the Halekulani Hotel on Waikiki Beach in Honolulu, HI

Filed Under: Health and Aging, Money, Retirement Planning, Wellbeing Tagged With: Medicare, money, retirement planning

Smart Home Technology Helps Aging in Place

December 4, 2019 by Sharlyn Lauby 1 Comment

Las Vegas sign robot waiters cheers to good times with smart home technology

I ran across this article in ReadWrite about “The Key to Smart Home Success; Safety and Security”. It’s an interesting read that you might want to check out. Even if you’re not thinking about aging in your home.

Keith and I still have a few years before we’re of official retirement age (i.e. meaning we can sign up for Medicare and Social Security). But that doesn’t mean we’re not thinking about the home we plan to age in and how we can make that home as “senior” friendly as possible.

Obviously, that includes things like downsizing and making bathroom renovations to include grip bars in tubs and showers. But another area that we’ve been reading a lot about is using smart home technology. Hence, my mention of the ReadWrite article above. We’re using smart home technologies now to make our lives easier. Why not think about how smart home technologies can help us age in place?

But here’s the thing. We need to be deliberate when it comes to using smart home technologies. This isn’t simply about buying some gizmo and hooking it up to our home internet. Here are a few things to consider:

Learn how the Internet of Things (ioT) works. The Internet of Things (aka IoT) is a system of interrelated devices that connect with each other via the internet. A common example would be that I can view what’s happening in our home on my Apple Watch and iPhone using my Amazon web camera. The idea is that all of these devices work together to give me – the user – a more valuable experience. 

Think ecosystem. Keith and I were big holdouts when it came to the Apple ecosystem. We had iPhones and iPads but held back on iMacs and other devices. We had no idea how great the benefits were of being in the ecosystem. I’m not saying you have to buy Apple products but do think about how your devices will “speak” to or work with each other. Remember, the goal is to make things easier.

Research companies and services. Once we know how IoT works, then it becomes easier to identify those companies that might provide products and services that will be helpful. We can research who has ecosystems and who doesn’t. I hate to say it but the last thing we want to do is invest in products and services that won’t get along with other technologies. Or they sound cool, but they might be out of business in a couple of years.

Know how your home network is set up and functions. Getting internet at home is so easy today. Just call a service provider and they show up with a box and some wires. Just a couple hours later…poof! We have WiFi. But if you’re planning to use smart home technology to help with your aging strategy, then it’s important to know a bit more. Get educated on how the system is set up and how to do basic troubleshooting.

You don’t need to get a degree in engineering to become proficient with smart home technologies. But for all of those people who might be saying, “Ah, who needs the internet?!” keep in mind that smart homes are the wave of the future. It’s what people want. And it’s what companies are making. At some point, it is possible that all we might be able to buy are smart home technologies. No one wants to age behind a steep learning curve.

Filed Under: Health and Aging, Home and Lifestyle, Technology Tagged With: aging, home, technology

Make Retirement Plans For Your Social Media Accounts

November 6, 2019 by Sharlyn Lauby Leave a Comment

Disney sign end of the line social media accounts

I’m going to talk about a subject that many of us don’t like to discuss – death.

I ran across a column in The Washington Post about “Facebook memorials”. It’s an interesting read about the different options that can come up when someone with a Facebook account dies and how you can pay respects online. You might want to check it out. My biggest takeaway from the article was that I need to have an opinion about what happens to my social media accounts when I die. Here are some of the things that I’ve started thinking about that you might want to consider as well:

Should I retire some social media accounts before? Granted, because of HR Bartender and Unretirement Project, I’m out on quite a few social media networks. But will I need to maintain all of them as I get older? Probably not.

How will I know when to retire a social media account? It’s easy to say that I might not need to be out on every social media network forever. That being said, I do need to think about what the conditions are for retiring a social media account. Right now, it’s kinda willy nilly. Oh, Google+ is shutting down? Okay, I’ll close my account. That logic might not be the same with Twitter.

How should I close an account? The answer to this question might seem obvious, but I’m not so sure. Some people close accounts by contacting the organization and officially “closing the account”. Others do it by simply not using it anymore. There are advantages and disadvantages to each. If you’re wavering on whether or not to use a social media network anymore, maybe it makes some sense to not use it for a while to confirm your decision. That way if you miss the interaction, you can easily go back.

Do I want and/or need a record of the account before I close it? Many social media platforms give you the ability to download your historical record. I must admit that I’ve never really utilized this option, but could it be worth my time to download my history before closing the account.? I honestly don’t know. However, I do think it’s worth some research and a conversation. And if you do decide to get the record, what are you doing to do with it?

Who do I need to inform about my social media accounts? What I’m talking about here are logins and passwords. Chances are you’re going to change your password regularly between now and then, so you don’t want to have to notify family or friends every time you do. (And if you’re not planning to change your password, you should.) Have a place – like a password manager – where people will be able to easily find so that, in the event of your death, they can access your accounts and follow your wishes. 

I’m sure I’ve only scratched the surface of the things we have to consider when it comes to social media and our passing. But it’s an important conversation. Our identities are out there and the last thing any of us want is our identity to be compromised. So, we want to be able to enjoy social media while we can and put the pieces in place for it to be handled appropriately when we’re not here anymore.

Image captured by Sharlyn Lauby while exploring Disneyland in Anaheim, CA

Filed Under: Health and Aging, Technology Tagged With: aging, retirement planning

How to Deal With Ageism During Job Interviews

October 30, 2019 by Sharlyn Lauby 5 Comments

you be you sign confidence is in you ageism during interviews

I ran across this article on Harvard Business Review titled, “5 Ways to Respond to Ageism in a Job Interview”. It’s worth checking out. 

It’s unfortunate but ageism exists. And there’s a real debate going on right now whether ageism is being perpetuated by organizations or individuals. Meaning, are companies really the villains when it comes to pointing out that age is a factor in employment decisions OR are individuals the victim for not keeping up with the times. Personally, I think there’s a bit of both happening in the workplace today.

Organizations need to realize that older workers bring value. Especially when businesses are really struggling to find talent. Meanwhile, job seekers and employees need to realize the world is changing. Technology is a big part of our personal and professional lives. As individuals, we need to evolve and stay current. 

Back to the Harvard Business Review piece. I thought the article had some great interview tips for individuals who are trying to find a new opportunity in today’s job market. Regardless of age. Here are five from the article:

  1. Demonstrate energy, enthusiasm, and curiosity.
  2. Adopt a consulting mindset, meaning listen more than talk.
  3. Express a willingness to work in a non-hierarchical organization.
  4. Connect with the recruiter and hiring manager.
  5. Show the ability to work with a diverse group of people. 

But I have to tell you, IMHO, the author blew it big time with the suggestion to “look the part”. [Warning: Rant Ahead]

No, the author didn’t suggest that we all start wearing hoodies and Allbirds. That being said, I felt even adding comments about department store styling services, buying some modern jewelry, and getting new eyeglasses were out of place. I thought the author negated all of the useful tips they shared by saying, “It’s not enough to showcase your knowledge, skills, and abilities. You have to look like you’ll fit in.”

As a human resources professional, here’s my two-cents regarding interview attire: You should be who you are. That includes wearing what you want. Wear what makes you happy, comfortable, and productive. My only advice for individuals about their clothing is wear what fits, make sure it’s clean, and don’t offend anyone. If you want to buy some new clothes because you’re looking for a new job, go right ahead. But do it for you. Not because some company – or writer –  says you need to. [Rant Over. Thanks for listening.]

I recently learned about a new term called “covering”. This is when organizations hire individuals because on the surface, they appear to bring diversity, but once the person starts, the new employee feels the need to “cover up” who they are to fit in. Take that principle to the interviewing process. If you have to cover up who you are to get a job, how happy are you really going to be once you get hired? I’m not just talking about clothes. 

Looking for a new opportunity is a long and sometimes stressful process. Do your homework on the companies you’re interviewing with. Make sure you feel you can be yourself there. Because that’s where you’ll be happiest and most productive. 

Image captured by Sharlyn Lauby while exploring the streets of Denver, CO

Filed Under: Careers, Health and Aging, Home and Lifestyle, Technology, Wellbeing Tagged With: ageism, aging, careers, encore career

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