Posts Tagged ‘Medicare Part D’

Free Caregiver Resource eBook: 8/26/12 Only!

Very important for those who are caregivers or know they will be one day soon.

 On 8/26/12 from 12 AM to 11:59 PM, my “Taking Care of Mom and Dad” eBook will be free on!

You don’t need a Kindle to get it – a PC, Android, or any number of eReaders will do just fine. Amazon has a free download for you to use. Download the reader and then download the eBook!

This book is regularly $6.99. If you have a need or know any followers that need help with caregiving, please share/tweet/google+ or do whatever you need to. I am happy to give this away for one day.

In order to get the eBook, click on the icon to the right or right here: 


New eBook for Caregivers

I am very excited to announce that my newest eBook has been released on Amazon in the Kindle Bookstore. The title is: Taking Care of Mom and Dad: A Baby Boomer’s Resource Guide. I cannot tell you how happy I am to finally have this completed. I worked for a very long time to put together all the information. I used all 20 years working with Seniors in putting together a comprehensive handbook for caregivers thrust into service, not knowing the first thing to do or first place to look for help. This is particularly helpful if you are caregiving from afar.

This is not a book that tells you how to deal with emotional issues, it is a book that is practical and comprehensive explaining different federal programs and how they work with a state. I show you the correct agency to contact through phone, address, or email who can give you state-specific information. While most of this CAN be found, you must be well-versed in Aging Service vernacular and acronyms which often change from state to state and program to program. It also clearly explains requirements in most elder-driven social programs as well as components that each state is required to offer.

If you have the correct reader, all sites (including the table of contents ) are clickable – they have been checked and re-checked to assure no dead links. You do not have to have a Kindle in order to read the eBook – I do not have one – you can download the Amazon reader for personal computers, blackberry, android, iPads, iPhone, MAC, and Windows phone 7.

Maybe you do not need this information, but if you know someone who does, please pass it along to them. The information presented in the eBook may be used by anyone in any of the states or territories within the U.S.

Part D Penalty

If you or your family member is considering not participating in the

Medicare Part D program during the initial enrollment period, there may be

a penalty upon participation. This penalty is determined as 1% of the

premium, multiplied by the number of calendar months declined from initial

enrollment offering to actual enrollment unless you have other creditable


To estimate the penalty, find the national base beneficiary premium

for the year ($30.36 in 2009, $31.94 in 2010) and take 1% of that ($.30 in

2009, $0.32 in 2010). Multiply it by the number of uncovered, full calendar

months (during any continuous period of 63 days or more), since the

end of your initial enrollment period (IEP), during which you did not have

creditable coverage. Take the answer and round it to the nearest 10 cents.

This amount will be added to your plan’s premium amount even if the

plan’s premium is $0. Your penalty will change each year that the national

average premium changes.

For more information, contact your local Social Security office.

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