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Navigating the Insurance Maze: Why It's Okay Not to Be an Insurance Expert

In surance can feel like a puzzle, and let’s face it, not everyone is naturally inclined to put the pieces together. Whether it's understanding policy terms,
navigating coverage options, or figuring out what’s actually included in a plan, insurance can often leave us scratching our heads. And that's perfectly
okay. In a world where policy details can be complex and coverage options endless, it’s no surprise that insurance isn’t everyone's strong suit. But in an
effort to simplify things, we’ve got some insights to help you understand why insurance is, indeed, complicated—and how to better navigate it.
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How Will Working Affect Social Security Benefits?

In a recent survey, 75% of current workers stated they plan to work for pay after retiring.1

And that possibility raises an interesting question: how will working affect Social Security benefits?

The answer to that question requires an understanding of three key concepts: full retirement age, the earnings test, and taxable benefits.

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The Basics of Medicare

Medicare is the federal government program that provides health care coverage (health insurance) if you are 65+, under 65, and receiving Social Security Disability Insurance (SSDI) for a certain amount of time, or under 65 and with End-Stage Renal Disease (ESRD). The Centers for Medicare & Medicaid Services (CMS) is the federal agency that runs Medicare. The program is funded in part by Social Security and Medicare taxes you pay on your income, in part through premiums that people with Medicare pay, and in part by the federal budget.

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