خرید و دانلود نسخه کامل کتاب زبان اصلی Social Security & Medicare: A Plain-English Guide to When to Claim, Which Medicare Plan to Choose, and How to Avoid the Penalties That Last for Life — … Explained (The Peace of Mind Series Book 3) | دانلود کتاب خارجی

آنتونی رابینز میگه : من در 40 سالگی به جایی رسیدم که برای رسیدن بهش 82 سال زمان لازمه و این رو مدیون کتاب خواندن زیاد هستم.

 
FULLY UPDATED — this year’s numbers, plus the Medigap rules for all fifty states.”A comprehensive guide that will provide answers… describes the rules, warns of the possible pitfalls, and demystifies the complexities.” — Leonard Smuts, Readers’ Favorite (5 stars)Miss one deadline, and you pay for it for life.Not for a year. For life. That is how Medicare’s late enrollment penalty works, and almost nobody explains it before it is too late.Social Security and Medicare are not hard because the rules are complicated. They are hard because nobody explains them in order. You get glossy mail and a phone call from someone who wants to sell you a plan. What you do not get is a plain list of your own decisions and your own dates.This book is that list. A plain-English guide that explains every decision in the order you actually face it, and ends each chapter with the exact points to note down for yourself. No jargon. No sales pitch.Everything the book promises is in the book. No QR codes, no website to register on, no email address to hand over, no “free bonus” that never arrives.The guide — sixteen short chapters:When to claim — what waiting is really worth, and the honest case for claiming earlyThe decision most couples get wrong — how one spouse’s timing sets the survivor’s income for lifeEvery enrollment window, counted from your own birthday — and the penalties that never go away, plus the two traps that catch people who are still workingOriginal Medicare or Medicare Advantage — the honest comparison, including the door that only swings one wayMedigap — which letter plan, the six-month window you only get once, and why the cheapest quote at 65 is often the most expensive at 80Part D — how to pick a drug plan by your own medication list, not by the premiumIRMAA — why your income from two years ago sets your premium, and the seven events that let you appeal itThe mail decoder — the Medicare Summary Notice, the ANOC letter, and every Social Security notice, so official mail stops being scaryYour countdown from 62 to 70, and the fall review that keeps it current in one evening a yearYour state at a glance: a 50-state appendix with the Medigap switching rights that 23 states give you and nobody mentions — plus the free SHIP counselor’s phone number for every state, and the questions to ask when you call.Nine short lists you end up with: your enrollment calendar · the claiming decision · your earnings record check · the Advantage-or-Medigap comparison · three quotes side by side · your medication list · your provisional income · your mail log · your annual review. Plus My Medicare & Social Security File: the eight things someone else needs when you cannot make the call yourself — cards, plans, doctors, who may speak for you, and who to call first.Who it’s for: anyone approaching 65 who wants to get this right the first time; people already enrolled who suspect they picked the wrong plan; the adult sons and daughters handling a parent’s paperwork; and anyone looking for a genuinely useful gift for a parent drowning in Medicare