The Complete Retirement Survival Guide : Everything You Need to Know to Safeguard Your Money, Your Health, and Your Independence (2ND)

The Complete Retirement Survival Guide : Everything You Need to Know to Safeguard Your Money, Your Health, and Your Independence (2ND)

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  • 製本 Hardcover:ハードカバー版/ページ数 420 p.
  • 言語 ENG,ENG
  • 商品コード 9780816048038
  • DDC分類 346.73013

Table of Contents

Dedication and acknowledgments                     xv
Preface xvii
Introduction: Planning for your future xxi
The demographic imperative xxi
Future shock, future anxieties xxi
Planning lessons from elder law xxii
Multiple strategies for survival xxiv
How to use this book xxvii
PART 1: PLANNING FOR YOUR HEALTH CARE NEEDS 1 (60)
Doctors and hospitals 2 (16)
Choosing a doctor 2 (3)
Checking on your doctor 5 (1)
Getting the medical information you need 6 (2)
Your medical records 8 (1)
Privacy 8 (1)
How your doctor charges 9 (1)
Choosing a hospital 10 (1)
In an emergency 11 (1)
How hospitals are organized 12 (1)
Patient's Bill of Rights 13 (3)
Patient advocates 16 (1)
Regulating doctors and hospitals 16 (2)
Making health care decisions 18 (11)
The emergence of patient rights 19 (1)
Consenting to treatment 20 (3)
Experimental procedures 23 (1)
Refusing treatment 24 (1)
The Patient Self-Determination Act 24 (2)
The ``right to die'' 26 (1)
Enforcing your rights 27 (2)
Home and community care 29 (12)
Identifying your need 30 (1)
Activities of daily living (ADLs) 30 (1)
Types of programs 31 (1)
Senior centers 32 (1)
Adult day care 32 (1)
Hospice services 33 (1)
Respite services 34 (1)
Family caregiving 34 (1)
Community-based services and care 35 (1)
How to find home care 36 (1)
How to evaluate a home care agency 37 (1)
Private care managers 38 (1)
Paying for home care 39 (1)
Where to complain 40 (1)
Nursing homes 41 (20)
Identifying your need 42 (1)
Finding a nursing home 42 (1)
How to evaluate a nursing home 43 (2)
Nursing home reforms 45 (1)
The nursing home contract 46 (1)
Admissions and discrimination 46 (1)
Waiting lists 47 (1)
Deposits and payments 47 (1)
Quality of care 48 (2)
Chemical and physical restraints 50 (1)
Bed-hold and bed reservations 51 (1)
Transfers and discharge 52 (1)
Resident's Bill of Rights 53 (2)
Sex in nursing homes 55 (1)
Nursing home abuse 56 (1)
Regulating nursing homes 56 (1)
Enforcing your rights 57 (4)
PART 2: MANAGING AND PAYING FOR HEALTH CARE 61 (52)
Medicare 62 (23)
Eligibility for Medicare 63 (1)
Enrollment (Part A hospital coverage) 64 (1)
Enrollment (Part B medical insurance) 65 (1)
Medicare Buy-in Program 66 (1)
Coverage and exclusions 67 (2)
Medicare and Alzheimer's disease 69 (1)
Prescription drugs 70 (1)
Deductibles and copayment 71 (1)
Outpatient (ambulatory) care 72 (1)
Physician fees 73 (2)
Hospital costs and treatment 75 (1)
Discharge 76 (1)
Expedited review before discharge 77 (2)
Appealing a Medicare decision 79 (6)
Health insurance 85 (19)
Types of health insurance 86 (1)
Policy terms and conditions 87 (2)
Preexisting conditions and waiting periods 89 (2)
Renewability 91 (1)
Checking the insurance company 92 (1)
Filing an insurance claim 93 (2)
Insurance regulation 95 (1)
Continuing coverage when you stop working 96 (2)
Medical savings accounts 98 (1)
Medigap supplemental insurance 99 (4)
Medicare coverage when you're working 103 (1)
Managed care, HMOs, and Medicare + Choice 104 (9)
What is an HMO? 104 (1)
HMO coverage 105 (1)
Utilization review 106 (1)
Medicare + Choice 106 (1)
Enrolling in Medicare + Choice 106 (1)
Medicare + Choice coverage 107 (1)
Your Medicare + Choice rights 107 (1)
Switching Medicare + Choice coverage 108 (1)
Appealing an HMO decision---external 109 (1)
review
Appealing a Medicare + Choice plan 110 (1)
decision
Accreditation 111 (1)
Assessing the Medicare + Choice program 111 (2)
PART 3: FINANCING LONG-TERM CARE 113 (42)
Medicare and long-term care 114 (6)
Post-hospital care under Medicare 114 (2)
Home health care under Medicare 116 (3)
Medicare and hospice services 119 (1)
Medicaid and long-term care 120 (18)
Medicaid coverage 121 (1)
``Spending down'' for Medicaid 122 (1)
Applying for Medicaid 123 (1)
Qualifying for Medicaid 123 (1)
Your home and other exempt assets 124 (1)
Protecting spousal resources 125 (3)
Protecting spousal income 128 (1)
Transferring assets 129 (2)
Trusts and Medicaid planning 131 (3)
Claims for recovery 134 (1)
Appealing a Medicaid decision 135 (1)
Medicaid's future 136 (2)
Long-term care insurance 138 (7)
Evaluating the long-term care policy 139 (3)
Public-private partnership policies 142 (3)
Reverse mortgages, annuities, and life 145 (10)
insurance
Reverse mortgages 145 (2)
Qualifying for a reverse mortgage 147 (1)
Loan amount and payment options 147 (2)
Truth in Lending requirements 149 (1)
Reverse mortgages and government benefits 150 (1)
Finding a reverse mortgage 150 (1)
Annuities 151 (1)
Using life insurance 152 (3)
PART 4: LIFE PLANNING FOR YOU AND YOUR FAMILY 155 (92)
Advance directives for health care 156 (34)
The three basic directives 157 (1)
Living wills 157 (3)
Specific treatment instructions 160 (2)
Instructions on nutrition and hydration 162 (1)
``Do not resuscitate'' orders 162 (2)
Physician responsibility and liability 164 (1)
Living will statutes and legal formalities 165 (5)
5 Wishes 170 (1)
Health care proxies 171 (1)
Appointing a health care agent 172 (3)
Proxy formalities 175 (1)
Surrogate and family consent 176 (2)
Organ and tissue donation 178 (2)
Assisted suicide 180 (1)
Oregon Death with Dignity Act 181 (2)
Supreme Court rulings on 183 (3)
physician-assisted suicide
Pain management statutes 186 (1)
End-of-life care 187 (1)
Enforcing your rights 188 (2)
Property management systems 190 (15)
Power of attorney 190 (1)
Durable power of attorney 191 (1)
Springing power of attorney 192 (1)
Appointing an agent 193 (5)
Legal capacity and formalities 198 (1)
Dealing with banks 199 (1)
Revoking a power of attorney 200 (1)
Trusts 200 (2)
The role of trusts 202 (1)
Joint accounts 202 (2)
Designating a representative payee 204 (1)
Planning for the disabled child 205 (8)
Services and entitlements 205 (1)
Supplemental needs trust 206 (2)
Appointing trustees 208 (1)
How a trust works 208 (2)
Education and housing 210 (1)
Legal protections 211 (1)
Finding help 212 (1)
Guardians and protective services 213 (15)
The law of guardianship 214 (1)
The nature of incapacity 215 (1)
Determining incapacity 216 (1)
The role of the guardian 216 (2)
Choosing the guardian 218 (1)
The hearing process 219 (2)
Monitoring guardianship 221 (1)
Alternatives to guardianship 222 (1)
Elder abuse and the law 223 (1)
Identifying elder abuse 224 (2)
Reporting elder abuse 226 (1)
Investigation and services 226 (1)
Abuse in nursing homes 227 (1)
Wills and estate planning 228 (19)
Understanding the basics 228 (3)
Your will and estate taxes 231 (1)
Bequests to spouses, children, and other 232 (3)
family members
Disposing of your personal effects 235 (1)
Burial instructions 236 (1)
Disinheriting your heirs 236 (1)
Bequests to charities 237 (1)
Jointly owned property 237 (1)
Community property states 238 (1)
Witnesses and other formalities 238 (3)
Dying without a will 241 (1)
Renouncing an inheritance 242 (2)
The use of trusts 244 (3)
PART 5: YOU AND YOUR TAXES 247 (14)
Planning and tax implications 248 (13)
Gift and estate taxes 249 (3)
Using the lifetime exclusion and marital 252 (1)
deduction
Selected trust strategies 253 (2)
Income taxes 255 (4)
State taxes 259 (2)
PART 6: WORKING AND RETIREMENT 261 (66)
Protections in the workplace 262 (21)
Age Discrimination in Employment Act 263 (1)
Your rights under the ADEA 263 (4)
Americans with Disabilities Act 267 (1)
Your ADA rights 268 (4)
Enforcing your rights 272 (3)
Back pay and other relief 275 (1)
Mediating employment disputes 276 (2)
State discrimination laws 278 (1)
Family and Medical Leave Act 279 (3)
State family leave laws 282 (1)
Pensions, benefits, and IRAs 283 (20)
ERISA---the law of pension plans 284 (1)
Your right to participate 285 (2)
Vesting rules 287 (1)
Receiving pension benefits 288 (1)
Survivor pensions 289 (1)
Making a claim 290 (1)
Getting information on your pension 290 (1)
Appealing a claim decision 291 (1)
Pension plan terminations 292 (2)
Benefits and welfare plans 294 (1)
Changing employee benefits 295 (1)
Retiree benefits 296 (1)
IRA and retirement plan distributions 297 (6)
Social Security and disability 303 (24)
Social Security eligibility and benefits 304 (2)
Retirement and early retirement 306 (1)
Applying for Social Security benefits 307 (1)
Working past retirement age 308 (1)
Taxing Social Security 309 (1)
Spousal benefits 309 (1)
Survivor benefits 310 (1)
Social Security overpayments 311 (1)
Social Security disability insurance 312 (1)
Disability eligibility and benefits 312 (1)
Determining disability 313 (3)
Continuing disability review 316 (1)
Supplemental Security Income 316 (1)
SSI eligibility 317 (1)
New transfer rules for SSI 318 (2)
Applying for SSI 320 (1)
SSI benefits 320 (1)
SSI disability rules 321 (1)
Ticket to Work program 321 (1)
Appealing a Social Security decision 322 (2)
Creditor protection for your benefits 324 (1)
Your Social Security number 324 (3)
PART 7: MEETING YOUR HOUSING NEEDS 327 (28)
Tenants and homeowners 328 (15)
Tenants' rights 328 (1)
Housing regulation 329 (1)
Rental assistance 329 (3)
Shared housing 332 (1)
Help for homeowners 333 (1)
Sale leaseback 334 (1)
Selling your home 335 (1)
Moving to another state 336 (1)
Zoning and age discrimination 337 (1)
Fair housing laws 337 (3)
Some help from the ADA 340 (3)
Adult living communities 343 (12)
Types of communities 345 (1)
Contractual agreements 346 (1)
Financial soundness 347 (1)
Entrance fees and payments 348 (1)
Housing and related services 349 (1)
Social and support services 350 (1)
Assisted living and nursing services 351 (1)
Government benefits 352 (1)
Residents' rights 352 (1)
Changes in your family 353 (1)
Regulating adult living communities 353 (2)
PART 8: GETTING HELP 355 (8)
Protecting your rights 356 (7)
Asserting your position 356 (1)
``In-house'' assistance 357 (1)
Appealing decisions 357 (1)
Federal and state help 358 (1)
The Older Americans Act 358 (1)
Legal problems of the elderly 358 (1)
Hiring a lawyer 359 (2)
Aging organizations and agencies 361 (2)
Appendix I. Where to get information or help 363 (11)
Appendix II. State agencies 374 (22)
Index 396