18.04.2007 13:00:00
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Retirement Planning: Healthcare Considerations Available Free from the MetLife Mature Market Institute(R)
For those considering retirement, before or after age 65, there are a
number of important healthcare considerations.
What happens with your employer health benefits when you retire? If you
retire early, will you have health insurance to cover you until age 65
when Medicare takes over? Will you need Medicare supplement insurance to
cover any gaps in Medicare coverage after age 65? What healthcare needs
might not be covered by Medicare, Medicare supplement insurance or your
retiree health insurance?
A new publication from the MetLife Mature Market Institute, Retirement
Planning: Healthcare Considerations, seeks to answer these questions
and more. The guide also points readers to resources for further
investigation.
The booklet is available free to the public by calling 203-221-6580, via
e-mail to maturemarketinstitute@metlife.com,
or by download at www.maturemarketinstitute.com
under ‘What’s New.’ "Healthcare and how to pay for it, is one of
the major concerns that pre-retirees face as they plan for their
transition into retirement,” according to
Sandra Timmermann, Ed.D., director, MetLife Mature Market Institute. "We
designed this publication to help people make the right decisions for
their needs and the needs of their families, taking both financial and
emotional implications into account."
Retirement Planning: Healthcare Considerations addresses the
following:
Planning and what early steps to take
-- Explore employer retiree health benefits
-- Ask questions to determine coverage and costs
-- Explore benefits through spouse's employer
Early Retirement
-- An explanation of COBRA
-- COBRA and Medicare Eligibility
-- Private insurance
-- Health Savings Accounts
Medicare
-- Eligibility
-- What does Medicare cover?
-- What doesn't Medicare cover?
-- Prescription drug coverage
Resources
-- Publications
-- Useful Web sites
According to a 2004 study, the Lifetime Distribution of Health Care
Costs, for those who live beyond age 85, almost 60% of their total
lifetime healthcare costs are spent after age 65. In addition,
healthcare costs are rising at a faster rate than inflation, putting
families’ retirement savings at risk.
Health insurance rates rose 7.7% between spring 2005 and spring 2006.
The Kaiser Family Foundation reported in 2006 that only 35% of employers
with 200 employees or more offered health benefits to retirees, down
from 66% in 1988. Of those who did, most (94%) offered benefits to early
retirees while 77% offer them to Medicare-age retirees.
The MetLife Mature Market Institute is MetLife’s
information and policy resource center on issues related to aging,
retirement, long-term care and the mature market. Staffed by
gerontologists, the Institute provides research, training and education,
consultation and information to support MetLife, its corporate customers
and business partners. MetLife is a subsidiary of MetLife, Inc. (NYSE:
MET), a leading provider of insurance and financial services with
operations throughout the U.S. and the Latin America, Europe and Asia
Pacific regions.
For more on the MetLife Mature Market Institute, visit: www.maturemarketinstitute.com.
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