When you reach the senior years, you may find yourself with a lot of extra time on your hand. Retirement can mean a steady cash flow without any of the responsibilities that come with it. And at this time, many seniors plan to travel around the world and take in the sites they didn’t have time or money for in the past.
But if you are planning to travel abroad, there are a few things you should take note of.
You will want to keep mind the travel regulations and tourist notices for each country. Don’t just look up the scenic spots when you research where you want to go. Take time to look at the country’s official government tourist page to see if there are any travel advisories you should know about. These can include infectious disease warnings and certain types of crime to watch for.
You should also have a traveling companion. Not only will you have someone to share the experience with, but you will also have someone nearby in case there is an emergency. And it can help to have another set of eyes to keep a watch on your surroundings. For seniors it’s nice to know that many Medigap plans offer foreign travel coverage of up to 80% of your bills. To see which plans will save you the most money this year visit Medisupps.com to find the best Medicare supplement plans in 2015.
Most of all, have fun. Don’t rush through your time abroad and be sure to move at a pace that is comfortable for you. Give yourself plenty of time to get where you are going once you get there. As you get older, you may not be able to move as quickly as you used to. It won’t dim your wandering spirit, but it may hamper its ability to move at the pace it wants to. It may be prudent to add a few more hours to each place you are planning to visit in a city and perhaps a few days to each city. Take time to just soak in the places you visit.
As Obamacare (or the Affordable Health Care Act) takes full effect, seniors may start to see some of the benefits right away. But they may not realize all the benefits that are available to them because of the act, so let’s break it down.
The biggest change coming to senior care because of the act is the amount of free health care. You can schedule a free check-up for diabetes and cancer. These annual wellness visits are completely covered under the act, and they serve as preventative care for seniors. Thankfully Medicare benefits for seniors are not affected by Obamacare. You should research to find the best medicare supplement plans 2015 to save money.
There are also plenty of discounts available to seniors as well. Even if you already use Medicare or another health care coverage provider, you can receive substantial benefits on numerous medical expenditures.
And the act promises better resources for those needing medical assistance or financial assistance. Now, after leaving the hospital, seniors will have a wider range of options to choose from when it comes time to pay their medical bills. And they will have more options for nursing care, as far was where they can go and what kind of care they can receive.
Finally, the act also brings with it new and easier ways to report violations. If you have Medicare or another insurance provider for your medical bills, and you feel like you have been taken advantage of, it should be simpler to file reports and claims for mistreatment. This means that seniors do not have to be afraid of being taken advantage of, but insurance providers have to be more careful about mistreating their clients.
While Obamacare affects just about everybody in the US, it provides some of its best benefits to seniors. If you feel like you are paying too much for medical care, it is possible that you simply aren’t aware of all the options and benefits available to you. It behooves every senior to take time to look at the changes that have come with the Affordable Health Care Act.
So you’ve retired and you’ve come to the realization that it is not all you thought it would be. Sure the relaxation was nice for a few weeks, but after a while you just became bored and restless.
Maybe you have considered coming out of retirement to give yourself something to do. If that is where you are, then it is worth understanding the benefits and the negative consequences of going back to work.
On the plus side, you can be making some extra money. Maybe Social Security and retirement funds are not offering you the chance to live the life you thought you would. There may not be enough money for you to travel the world and visit all your friends and family like you had originally planned.
But you should also consider that working that job can also mean that you don’t have time for the things you have grown accustomed to in retirement. Just because you have money to travel does not mean that you will have time do so.
Another positive is that you will be active. Too many seniors end up letting their bodies and minds go to waste once they retire. If you are working, then you will be in better health and your mind will stay active. Be sure to take advantage of your Medicare health insurance, but keep in mind it doesn’t pay all of your bills. Click HERE to find Medicare Supplement plans for 2015.
That said, you have to be careful about overdoing it. It can be easy to work yourself too hard and become injured. You want to make sure you are taking it easy and not pushing your body too hard.
Another benefit is that working allows you to socialize. You can meet new people and keep yourself entertained.
On the downside, however, jobs for seniors are quite limited. You may not be able to do the same kind of work you used to or even a kind of job that you really enjoy.
Take all of these pros and cons into consideration before you go job hunting.
While approaching retirement age, many people believe that they are going to just be relaxing all day long, spending their time taking it easy. But what they may not realize is the crushing boredom that can come with this kind of lifestyle. If you worked for much of your life, then your body and your mind are accustomed to that daily grind.
You get up, go to work, come back home and get your housework done. All day long your body is moving and your mind is working. But if you just stop that suddenly, then your mind can start to go numb and feel useless. And your body may soon follow. This is a common effect that seniors feel when they enter retirement. But it doesn’t have to be this way.
Instead, you can keep yourself moving and stay active. You don’t necessarily have to keep up the same level of activity that you did before, and spending a bit more down time each week is not a bad thing. But it is important to keep yourself active, even if you are just going for walks or spending time with your family. Just make sure that whatever you are doing, if you are able, that you are not spending all your time sitting and lounging about.
Be sure in retirement that you are financially protected as well. One way is to have great health insurance. If over the age of 65 you likely have Medicare Part A and B. To help pay expenses that these do not cover be sure to check the best rated medicare supplement plans and see what fits your needs.
Your body needs activity to stay healthy, and you should look for opportunities to engage in activities when possible. You may even want to make exercise a part of your daily routine. Just forcing yourself to get up and out of the house for a short walk or to get some fresh air is enough to keep your body vital and to make sure that you have healthy cells. Your body needs the fresh air and sunlight to function properly and continue to work as it should. You may want to relax during retirement, but you should still make time for physical activity.