Everyone talks about social security, yet there are still many things I don’t know about social security,
such as all the additional programs offered.  Social Security is definitely not limited to Medicare and
Medicaid. 

Also, seniors in the Medicare prescription drug program face higher premiums, and no cost of living hike.

For the first time in a generation Social Security is predicting there will not be a cost of living increase for at least the next
two years.  This has not happened since automatic increases were adopted in 1975.

By law, Social Security benefits cannot go down.  Even so, millions of seniors count on the cost of living increase to help
offset any new increases in the Medicare prescription drug premiums, which are deducted from Social Security payments,
and these are expected to increase slightly.

According to one resident, 77 in Dover, DE he said he is not happy, stating, “That’s what I’m living off of.  I have a mortgage, I
don’t know what they think senior citizens are suppose to do.”

So, what are you suppose to do?  Advocates of seniors say they are getting hit the hardest with inflation, because their incomes
are fixed and higher costs are hitting them the deepest.  You may have other alternatives.  If you care to explore those
opportunities, just give us a call at 1-800-242-5085.  The first place may be to consider your spending habits.  This would involve doing a budget.  If
you would like a copy of our free budget form, just give us a call at 1-800-242-5085.  We can also discuss how a reverse mortgage may
be able to increase your cash flow each month. 

For more information visit:
1.  www.socialsecuity.gov
2.  By calling  1-800-772-1213
3.  If you are deaf or hard of hearing, call our toll-free TTY number,     1-800-325-0778
4.  Contact your local social security office.
5.  WWW.ssa.gov
6.  National Committee to Preserve social Security and Medicare
    www.ncpssm.org