FREE Long-Term Care Insurance For Federal Employees & Retirees

Since 08-10-05

From: Federal Manager's Daily Report [mailto:fmdr@fedweek.com]
Sent: Wednesday, August 10, 2005 6:36 PM
Subject: FREE Long-Term Care Insurance For Federal Employees & Retirees

Will There be Social Security & Medicare Benefits When You Need Them?

This Question is one of the most Debated Issues in the World. Please Continue Reading For More Info.

JUST RELEASED FREE LONG-TERM CARE INSURANCE HANDBOOK FOR FEDERAL EMPLOYEES & RETIREES!

Special FREE Long-Term Care Insurance Handbook Offer to All Federal Employees & Retirees

Order Your New 2005 Social Security/Medicare Handbook for Federal Employees & Retirees Now and Receive--FREE-- FEDweek's Newly Revised and Expanded Long-Term Care Insurance Handbook for Federal Employees & Retirees!

YOU WON'T FIND THIS BOOK OR THIS TYPE OF OFFER ANYWHERE ELSE,EXCEPT FEDWEEK!
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To place your order now, go to http://fedweek.sparklist.com/t/295148440/326053/501/0/. 
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Brand New FREE OFFER EXCLUSIVELY FOR OUR READERS: Special FREE Publication: Long-Term Care Insurance Handbook for Federal Employees & Retirees. FEDweek will give you absolutely FREE this just-revised and valuable reference guide.

Here's a partial look at an overview of the table of contents of this FREE Pub:

* Insure Your Estate--And Your Inheritance
* Why You or Your Loved One May Need LTC Insurance
* How You Can Reduce the Cost or Need for This Insurance
* Alternatives to LTC Insurance--Medicare, Medicaid, ect.
* Buying LTC Insurance at a Price You Can Afford
* Important Things You Should Look For in an LTC Insurance Policy
* LTC Insurance & Tax Shelters
* How to Get LTC Coverage Without Paying For it
* Any Much More!
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The 2005 Social Security and Medicare Handbook For Federal Employees & Retirees Go to http://fedweek.sparklist.com/t/295148440/326053/501/0/  to order yours now and get your free LTC handbook!

"Both social security and medicare face substantial financing problems that have put in question whether they will be able to continue delivering the benefits that they have promised. That's why this new information is so important to you." Don Mace, Publisher FEDweek
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The 2005 Social Security & Medicare Handbook for Federal Employees and Retirees Just Published-- Expanded and Still Only $9.95! Go to http://fedweek.sparklist.com/t/295148440/326053/501/0/  to place your order now or please continue reading for more information.

Dear FEDweek Reader: SOCIAL SECURITY AND MEDICARE are easily the two most misunderstood benefits that federal employees, postal workers and retirees have. As you know with the recent Presidential election debates, these two topics were the most debated, with one goal in mind: We must continue to provide these two benefits to all Americans indefinitely!

Federal employees and retirees have a large stake in the outcome, even though they have separate retirement and health insurance programs. Those programs are intertwined with both Social Security and Medicare. Social Security functions in a very different way than does the civil service retirement program, with may traps lying in wait for the unwary.

Also, the introduction of the Medicare prescription drug benefit also raises new questions for federal employees and retirees regarding whether they should keep coverage under both programs in retirement--as most have traditionally done--or whether they should instead place all their eggs in the Medicare basket, saving on the cost of maintaining FEHB coverage.

Such developments show that with Social Security and Medicare playing so important a role in their financial futures, federal employees and retirees must understand just what types of benefits they are accumulating, what level of benefits they might stand to receive and what provisions might reduce their benefits, and how those benefits interact with their other benefits--in sum, how to best position themselves to get the most out of the programs and how to protect themselves for the future.

In years past, these employees didn't really need to know too much about these programs because they were under a separate retirement and disability benefits package, the Civil Service Retirement System, and didn't stand to get benefits from Social Security. Social Security and Medicare, largely were for somebody else-- not them.

NOT ANYMORE. All that changed several years ago and these big changes in the benefits picture are just now hitting home for many federal employees and postal workers--greatly because the "baby-boomers" are approaching retirement now.

It's vital that you understand just what types of benefits you're accumulating, what level of benefits and when you stand to receive them, what provisions might reduce or even eliminate them, and how they interact with your other benefits-in sum, how to best position yourselves to get the most out of these two key programs.

AGAIN, NEVER BEFORE HAS THERE BEEN SUCH A HUGE NEED FOR THIS INFORMATION. THAT'S WHY FEDWEEK HAS JUST PUBLISHED THE SOCIAL SECURITY/MEDICARE HANDBOOK FOR FEDERAL EMPLOYEES & RETIREES FOR 2005.

Until now, there has never been a comprehensive, easy-to-understand handbook for federal employees and retirees that fully explains not only those programs but also how they dovetail (and, in some cases, conflict) with the federal government's retirement and health insurance programs. Take a look at a partial table of contents for this informative handbook:

Section I: Social Security Overview Earning Credits Credit for Military Service Calculating Benefits The Windfall Elimination Provision The Government Pension Offset Social Security's Role In Federal Retirement Benefits Social Security's Role in Federal Retirement Decisions Family Benefits Survivors Benefits Social Security Disability Benefits Social Security and Federal Retirement Disability Benefits Supplemental Security Income After Benefits Begin The Earnings Test Taxation of Social Security Benefits Administrative Matters and Resources

Section II: Medicare Overview FEHB and Medicare Medicare Part A Medicare Part B Managed Care (HMOs) Medigap Policies Private Fee-for-Service Plans Rights, Protections and Appeals Frequently Asked Questions Resources

"This Social Security/Medicare Handbook fills a great need for federal employees and retirees. You'll find it very useful, informative and indispensable. And we prepared it just for you, plus now with the FREE Long-Term Care Insurance Handbook, these three books will pay for themselves over and over again." Don Mace, Publisher

HOW TO GET YOUR 2005 SOCIAL SECURITY & MEDICARE HANDBOOK FOR FEDERAL EMPLOYEES AND RETIREES Plus Your FREE Long-Term Care Insurance Handbook
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The Cost of The Social Security/Medicare Handbook for Federal Employees & Retirees is only $9.95 and you can place your secure order online at http://fedweek.sparklist.com/t/295148440/326053/501/0/  or by calling our 24 hour toll-free order line (888) 333-9335. You may also mail your order with payment of $14.20 (9.95 plus $4.25 s&h) to:

FEDweek, PO Box 5519, Glen Allen, VA 23058.
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Important Note: This publication is available in bulk quantities for federal agency and library distribution with bulk quantity discounts. You can see the quantity discounts on our website http://fedweek.sparklist.com/t/295148440/326053/501/0/  or ask one of our representatives about them when you call our order line (888) 333-9335.

FEDweek
11541 Nuckols Rd. Suite D Glen Allen, VA 23059
(804) 288-5321 Website: http://fedweek.sparklist.com/t/295148440/326053/296/0/

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