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Senior Citizens - How To Avoid Being Defrauded, Further Readings

age sixty program insurance

Elderly persons, usually more than sixty or sixty-five years of age.

People in the United States who are more than sixty years of age are commonly referred to as senior citizens or seniors. These terms refer to people whose stage in life is generally called old age, though there is no precise way to identify the final stage of a normal life span. People are said to be senior citizens when they reach the age of sixty or sixty-five because those are the ages at which most people retire from the workforce.

U.S. law and society recognize the special needs of senior citizens. The most important aid to senior citizens is the SOCIAL SECURITY program. More than twenty-five million Americans receive old-age benefits each month under federal OLD-AGE, SURVIVORS, AND DISABILITY INSURANCE, and those payments amount to almost $20 billion a year. Senior citizens who are age sixty-five or older qualify for a full benefit payment by having been employed for the mandatory minimum amount of time and by having made contributions to Social Security. A person may retire at age sixty-two and receive less than full benefits. There is no financial need requirement to be satisfied.

Because of enormous financial pressures on the Social Security program, changes have been made that will push the retirement age higher in the coming decades. Persons born before 1950 can retire at age sixty-five with full benefits based on the average income during working years. Those born between 1950 and 1960 can retire at age sixty-six with full benefits. For those born in 1960 or later, full benefits will be awarded for retirement at age sixty-seven.

Senior citizens are also protected by the MEDICARE program. This program provides basic HEALTH CARE benefits to recipients of Social Security and is funded through the Social Security Trust Fund. Medicare is divided into a hospital insurance program and a supplementary medical insurance program. The hospital insurance plan covers reasonable and medically necessary treatment in a hospital or skilled nursing home, meals, regular nursing care services, and the cost of necessary special care. Medicare also pays for home health services and hospice care for terminally ill patients.

Medicare's supplementary medical insurance program is financed by monthly insurance premiums paid by people who sign up for coverage, combined with money contributed by the federal government. The government contributes the major portion of the cost of the program, which is funded out of general tax revenues. Persons who enroll pay a regular monthly premium and also a small annual deductible fee for any medical costs incurred during the year above the amount funded by the government. Once the deductible has been paid, Medicare pays 80 percent of any medical bills.

Some warm-weather states such as Arizona and Florida have senior citizen retirement communities. These planned communities allow only senior citizens to buy or rent housing. Many seniors feel more independent and secure in a retirement community than in an ordinary neighborhood. Legal provisions in a retirement community's development plan are incorporated into the deeds of all property owners, prohibiting, for example, children from residing in the community. In this way, the special nature of the neighborhood is preserved.

However, not all senior citizens wish to retire from the workforce. Amendments to the federal Age Discrimination in Employment Act of 1967 (ADEA) (29 U.S.C.A. § 621 et seq.) have eliminated the age of mandatory retirement for most employees and have made the act applicable to more workers. The ADEA itself prohibits employers from discriminating on the basis of age.

Senior citizens also are concerned about crime. Because of their physical vulnerability and personal isolation, they are robbed more often than are the members of other age groups. Seniors are also the most likely group in society to be swindled. The AMERICAN ASSOCIATION OF RETIRED PERSONS and state and local governments seek to educate senior citizens about mail and telemarketing schemes that defraud thousands of seniors each year.

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about 4 years ago

I submit the following information in injustice, and forbidden by official rules, regulations of an affairs by an administrator in an organization to pursue an immoral course; become depraved.
Particularly on the state of Texas by Typically Contracts Involving bribery by investments and trade agreement in covert, hydrogen-carbon, against the United States Intelligence Community

Unnamed person seeking personal control and influence
Up to this moment in the rules, of politicians have challenged, empowered and deceive intentionally and as well, formation of a plan to achieve a goal; to submitting false documents, Shaped with false documents claiming that is the State, or Federal, where it is utterly deliberately deceptive. Therefore keep in mind.
As a result of The disciplinary board of Appeals (BODA") is a legal body Consisting of twelve lawyers appointed by the supreme court of Texas as well as by Zapata district court district court district clerk • • others county district attorney office, counterfeit-committed on the State of Texas.
For Violating the copyright of the USA to situation; Circumstances or condition of present condition Affecting of law under the Influence of authority, That has-been abuse of power, that relating to harmful practice,
For which I am aware that the city, Webb County are in the Struggle 'with the government;

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almost 5 years ago

Royalty Clearinghouse, as well as Austin Texas, is well-informed including the Internal Revenue Service; underground information to demolish assets; with public transgression by underground organization.
Scam, land deeds, with agreement, and defrauding the government within the tax system, and to conceal the theft system If, Washington DC, not noticing of all the acts of Texas; from the 50's the petroleum company, and the Texas Railroad Commission have been committing fraud, as wells a week ago I asked the [TRRC] Texas Railroad Commission for an important document so they refused to provided, as the entire Texas law as CPA Certified Public Accountant refuse to formulate a audit. According to the research of Oklahoma City, say that the rest of the country was not as Webb and Zapata County, after several years, I found out that was the entire state of Texas, it's all a conspiracy theory of law. Why does not testify, the IRS Internal Revenue Service is not aware of all these acts, for the reason that are involved in the system, and they do not give complete information, the headquarter office by cover .Conspiracy theory regarding government employees and tax forms so the federal government implicate by Martial law; civilian government no longer functions,
Scam, land deeds, with agreement, and defrauding deliberate the government within the federal income tax system, and to conceal the stealing of property system. Over sixty years under seal relating to chemistry