What You Donʹt Know About. Will Hurt You!
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- Horace Harper
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1 What You Donʹt Know About Will Hurt You! 76 Million Baby Boomers. 10,000 retiring each day. Controlling close to $19 Trillion in assets. Source: US Census 1
2 Common Goal of Rti Retirees: Retire as planned. Decrease in Expenses. Have enough assets to maintain lifestyle. Source: Wall Street Journal Common Experiences of Retirees: Less than 50% retired as planned. Expenses either remained level or increased. 88% can t meet expenses. Source: Wall Street Journal 2
3 Why the difference? Prices for things, such as medical services, home healthcare, and nursing homes, have experienced more inflation than the official consumer price index. WllSt Wall Street t Journal Healthcare accounts for 33% of expenses for Americans 60 years old and older. Source: Credit Suisse EuroMonitor 3
4 Healthcare is the only expense that does NOT go down as you get older! There is no cutting back on your health! 92% of Americans lack a retirement plan that t factors healthcare! SunLife Flying Blind 4
5 Surprising Stat: 97% of Americans, 65 years old or older, who are retired are enrolled into Medicare! Source: Nationwide 5
6 Everyone has a mandatory expense in retirement. Health Coverage In order to collect Social Security you must enroll into Medicare when eligible. Source: Social Security Program Operations Manual 1993 What are the costs in 2016? Part A Subsidized premium Part B $121.80* Part D $53.71 Part C Determined by Provider Supplemental $ in TX Avg. Annual $4, per person (2016) Cost per couple $8, per couple (2016) Source: Centers of Medicare Services (CMS), Weiss Ratings, Q1Medicare, Jester Financial Tech. 6
7 Note: Part tb and D Premiums have a late enrollment penalty that is compounding and perpetual. Part B 10% penalty for every 12 months missed. Part D 1% penalty for every month missed. Source: Centers of Medicare Services (CMS) Example of person delaying for 5 years: Part B = Five 12 month cycles w/o coverage: 50% penalty. Part D = 60 months w/o coverage: 60% penalty. Penalty assessed at current rate for rest of life! Source: Centers of Medicare Services (CMS) 7
8 What are the costs? Historic Medicare Part B 7.86% Projected Medicare Part B 5.78% thru 2024 Medicare Part D 7.62% projected through 2022 Gap Plan 3% to 5% since 1993 (AARP) Source: Medicare Board of Trustees What are the costs? 65 year old Texas couple retiring today and planning to live until age 85: $315,506 Medicare Premiums alone! Source: Jester Financial Scepter Software 8
9 Medicare is means tested Your health costs are no longer about medical history! The more you have in income the more you pay for your health coverage. Source: Medicare Modernization Act, Affordable Care Act Current Brackets (2015) Income Part B Part D Individuals Couples $85k< $170k< Premium Premium $85k $170k $170k $214k $ (40%) Premium + $12.70 $107k $160k $214k $320k $ (100%) Premium + $32.80 $160k $214k $320k $428k $ (160%) Premium + $52.80 Over $214k Over $428 $ (220%) Premium + $72.90 Source: Medicare.gov 9
10 Same Texas couple: Earning $1 too much: $376,260 Earning Maximum: $651,221 Source: Jester Financial Scepter Software Proposed Brackets (2018) Income Part B Part D Individuals Couples $60< $90k< Premium Premium $60k $82k 90k $123k Premium + 60% Premium + $14.10 $82k $135k $123k $202.5k Premium + 120% Premium + $36.40 $135k $189k $202k $283.5k Premium + 280% Premium + $58.60 Over $189k Over $283.5 Premium + 360% Premium + $80.80 Source: Bi-Partisan Policy Center 10
11 50 year old couple, retiring at age 65 and planning on living i until age 85 Rates of inflation staying level Standard $684,058 $1 too much $813,612 Maximum Income $1,501,560 Income is not what you think. Your adjusted gross income plus and tax exempt interest you may have or everything on lines 37 & 8b of the IRS form Source: Social Security Board of Trustees 11
12 Examples of Income: Social Security Certain Annuities Wage 401(k) Pension Income Traditional IRA s Rental Income 403(b) Capital Gain (including home*) 457 Dividends (including Muni s) SEP IRA Bulk of health costs deducted directly from your Social Security benefit! Automatic: Part B premiums, late penalties, surcharges from income Optional: Part D premiums Source: Centers of Medicare Services (CMS) 12
13 According to Social Security 52% of all married couples and 74% unmarried persons relay on Social Security to be their only income Cost of living adjustment (COLA): 2.8% maximum for foreseeable future! Social Security Board of Trustees (2014) Example: 60 year person who earned $75,000 throughout career. Retires at age 66. Opts to take Social Security at age 66. Social Security benefit of $2,350 per month or $28,200 annually Source: Social Security Quick Calculator 13
14 Impact of Health Costs on Social Security $60, yr. old retiring at age 66 $50, $40, $30, $20, $10, $ Social Security Total Health Premiums Actual Benefit 14
15 Impact of Health Costs on Social Security Average median income $30, $25, $20, $15, $10, $5, $ Social Security Total Medicare Actual Income 15
16 The wrong income leads to: Higher Health Costs. Lower Social Security. More taxes paid. 16
17 Some solutions to controlling this cost: Roth Accounts Health Savings Accounts 401(h) plans Specific Annuities Home Equity Certain types of Life Insurance 17
18 LTC It is no longer about protecting assets, it has now become the key negotiating chip to access care! Less than 8 million people have plans that take into account LTC planning! Source: NPR Family Matters
19 70% of all Baby Boomers will need some form of LTC in retirement. 25% are expected to have to stay in a Nursing Facility for at least 3 years. Source: Dept. of Health and Human Services 2014 The problem: 15,465 Nursing Facilities in the US. 1,646,302 Number of beds in Nursing Facilities. 1,366,390 Number of occupied beds in Nursing Facilities. Source: Kaiser Family Foundation
20 The issue: Projected Supply and Demand of Physicians: Source: American Medical Association 2012 Nursing Shortage: Over the next 20 years, the average age of RNs will increase and the workforce will plateau as RNs retire. Source: The Future of the Nursing Workforce in the United States
21 Projected Cost of Care Nationally: 2015 Private Room $91,250 Semi Private Room $80, Private Room $220,815 Semi Private Room $182,070 Projected Cost of Care Nationally: 2015 Home Health $44,616 Assisted Living $43, Home Health $162,700 Assisted Living $102,655 21
22 What are the costs? Female Male Married Single / Never Married Widowed Divorced / Separated Average Stay 2.6 years 2.3 years 1.6 years 38years years 2.7 years 22
23 Medicaid Recovery Act: Authorizes the Dept. of Health Care Policy and Financing to recover all benefits paid on behalf of Medicaid clients from the estates of deceased Medicaid clients who were permanently institutionalized or were over the age of 55 when benefits were provided. d Filial Support Laws Law that impose a duty upon adult children for the support of their impoverished parents. In some cases it is extended to other relatives. Such laws may be enforced by governmental or private entities ii and may be at the state or national level. 23
24 Filial Support Laws 29 States Alaska Indiana Mississippi N. Dakota Tennessee Arkansas Iowa Montana Ohio Utah California Kentucky Nevada Oregon Vermont Connecticut Louisiana New Hampshire* Pennsylvania Virginia Delaware Maryland New Jersey Rhode Island W. Virginia Georgia Massachusetts N. Carolina S. Dakota Filial Support Laws Examples: John Pittas PA Peg and Bob Mohn PA LaKisha Jones MI Elden Linderkamp ND Albert and Vesta Melby IA 24
25 Step 1: Plan You must work with financial professionals who understand the issues that lie ahead in the future. Look to work with just one firm if possible! 25
26 Step 2: Know all of the costs of retirement Do not rely on just the good news! Step 3: Look at all options: Long Term Care policies. Life Insurance. Annuities. Investments (Roth). 26
27 Questions? 27
28 Dan McGrath Phone: Website: Free Report: Author: What you don t know about retirement will hurt you! Medicare a Practical Guide 28
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