Alva Review-Courier -

Nicki and I have both taken advantage of early Social Security payments and I am enjoying Medicare while she pays for coverage with her teacher retirement benefits. Medicare is an advantage to being older but there is a cost associated with Medicare Part B, a monthly fee that covers outpatient services like office calls. Social Security places limitations on your earnings until you reach 70. At 70-and-a-half you must start drawing from your IRA and that can be a tax concern.

Foremost on my mind is long-term care coverage. Medicare will not cover long-term care except for rehabilitation and lim...