The recent debt ceiling debacle was but a precursor of what’s to come. Imagine the childish behavior we saw from the Washington Beltway fueled by looming elections and a national budget to be passed. Loosely interpreted, it means a group of people, whose primary interest is in keeping their jobs, has the power to further separate you from your money and access to basic services. The last budget cycle already gave Americans a serious slash in the federally backed heating program for the poor and a reduction in money for free and reduced school lunches. Groups like AARP already know what’s in store; disproportionately, programs for senior citizens will take a serious haircut with Congress eyeing programs like Medicare for seniors.
The publishing and editorial teams at rolling out are of one accord: our readers will survive this difficult period in U.S. history and emerge better than ever. And, in that statement, we include our reader’s families. The following focuses on some of the most vulnerable members of our collective families — senior citizens. An independent bunch, they’ve survived Jim Crow, Vietnam, and the introduction of the Trickle Down Economics farce. Their Golden Years are seriously tarnished. They are skipping meals, forgoing doctor’s visits, halving medicines, and living in fear due to increasing crime. We know it’s tough out there for everybody, but don’t forget the seniors in your life. The New Austerity is new for them, too. Here are some simple ideas that could save them money and you peace of mind.
Medicare Part D
This program helps pay for medicines. Not all Medicare recipients are eligible, but the majority of seniors are. Enrollment in Medicare is not automatic enrollment in part D. If eligible, you must choose to participate and pay the monthly fee. There will still be co-pays for drugs, but without it a drug like Lipitor can cost over $300 a month versus approximately $50.
Utility Bills
Take a look at the provider for heating and cooling for the seniors in your life. Chances are they have an energy efficiency program for seniors with low incomes. For instance, SCANA’s information can be readily found on its website. Also, many states have energy departments that have comprehensive lists of providers.
With the competition for local phone service, it makes sense to peruse Grandma’s bill. If she is still renting the rotary dial wall phone from Ma Bell (and many are) cut the cord immediately. Replace rent-a-relic with new phones from any retail outlet. Then, take a look at the service. If the monthly bill is more than $25 a month, look into getting phone service from the local cable provider or Vonage.
Property Tax Exemptions
Senior citizens in most states get a tax break on property taxes. Many counties, particularly ones located near major cities, offer exemptions beyond the usual homestead exemption. Millage rates for schools are rolled back or eliminated altogether. Why? Most seniors have for decades supported their local school systems via property taxes — whether they had children enrolled or not.
Eating Out
Nothing is more beautiful than spotting a group of Red Hats in a restaurant. The social aspect is very necessary for engagement, activity, and to maintain mental acuity. But, the eating out part can be expensive. Most restaurants offer a senior citizen discount. Membership in AARP and AAA will net cost savings in this area as well. But, often overlooked are gift cards bought at big-box retailers like Costco, where it is usual to see a $100 gift card costing $79.99. While in the checkout line at Wal-Mart or your favorite grocery store, grab a few $15.00 Olive Garden gift cards for some seniors in your life. That’s enough for two all-you-can-eat soup, salad and breadsticks lunches. Similarly, Restaurant.com is great for purchasing $25.00 gift certificates to local restaurants for $2.
