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Hello. My provider (Allergy Specialist) did a series of skin prick tests and subsequent Intradermal tests to determine specific allergens. These tests were all categorized as 'environmental.' Presumably these will all be covered by traditional Medicare and Medigap Supplemental (after annual...

Happy New Year's Eve to all. My long standing though has been to stay away from any retirement annuity including TIAA's. The recent announcement from TIAA that their payout rate for the guaranteed portion of a SP ten year guaranteed starting in Jan 2024 as >8% is intriguing. Payout Rate is...

I have invested with TIAA-CREF for approximately 20 years and I am very pleased with my Financial Advisor. Until recently I was blissfully in the contribute and build mode; post retirement I have shifted into the consolidation mode favoring two organizations TIAA and Schwab. Two recent...

Good evening. Situation: In PA, my understanding is all deferred retirement plans are taxable when the income is earned (i.e. 401, 403, 457b plans). Upon disbursements of monies held within a 457b plan, in PA, the payments are reported on a W2. It appears this results in double taxation...

I am planning on working a limited number of hours (12 hours/wk) as a '1099 contracted employee.' I hear your whispers in the background, 'why on earth would I want to do this?' The opportunity aligns with my interests, comes with great flexibility in terms of scheduling and wont interfere...

Hello. The City of New York is aggressively working to transition municipal retirees away from an employeer sponsored Medigap supplemental plan to a group Medicare Advantage plan Administered primarily by a BCBS affiliate know as Empire BCBS. 1- looking for insights into folks who were...

Admins- hopefully this is a permissible thread. Hello. I am looking to learn from others who retired from the City of New York and currently participate in either NYC's Pre-65 Empire/Emblem(GHI) coverage or Medicare+ NYC's GHI (Senior Care). I am particularly interested in learning how...

Lookong for insights regarding direct and indirect impacts in regards to retiree's physical, financial, mental wellbeing as a consequence of assisting their parent or parents. Contextually I am presently taking point on my Mom's health care needs following a serious fall, managing her...

Hi. We accumulated a bunch of debit cards with varying amounts of prepaid funds. Ordinarily we try to maximize our CC around accumulating bonus points or cash. Looking for suggestions on how best to spend down the prepaid debit cards. Thanks!

Greetings The respect and compassion participants show for one another in this forum speaks volumes. Thank you to all for the civility; for sharing relevant, high quality information; and, for the opportunity to ask questions and learn! I am covered by Emblem Health Insurance ( formerly...

I am new to this forum (and forums in general), please forgive me if the topic or format are misaligned with intended use. Access to employer sponsored group health insurance is a rarity these days. As a former NYC employee I was told a long, long time ago that when I reached age 62, and...