Health care passes

[vols fan]

Vols fan, I hope you and your wife lose your jobs in the next week.

FUCK YOU!!!!!!!!!!!!! What does my wife have to do with anything. Don't take your frustrations out on me you fuck. We both just got a raise and I'm a stockholder in the company.Sorry but were hard workers and are in no way losing our jobs.

[vols fan]

Is that code for asking me to move in with you Vols?

All of a sudden the kids screaming and the wife bitching don't sound bad after all

[Spark]

I cant believe I just wasted 2 minutes of my life reading this drivel. Can someone please shoot me now?

BTW...The name calling was much less prevalent 2 months ago. Come on guys this is why they killed the forum last time. I love having a place to vent when I get a chance to get online. Let's not give Monte a reason to blow this forum off the board when he gets back.

PK

I agree kid .. so I have decided to delete and edit all bashing .. Let them knock themselves out writing all they want just to have me delete it

[buddyluv1968]

I agree kid .. so I have decided to delete and edit all bashing .. Let them knock themselves out writing all they want just to have me delete it

Hold up dude!!!!!!!!!! What happened to our freedom of speech!!!!! You have to admit, this shit is so funny I can't get upset anymore!!!!! I just laugh.....

[Spark]

Hold up dude!!!!!!!!!! What happened to our freedom of speech!!!!! You have to admit, this shit is so funny I can't get upset anymore!!!!! I just laugh.....

I did not see "freedom of speech" in the rules here at BC ...

[buddyluv1968]

I would wonder how many people actually will read this and understand the cost that healthcare is putting on us. We as a country is a little spoiled because the jobs that we get comes with health insurance so we never really pay that much attention. But when companies cease to give insurance because of the cost. A lot of the opponents of this will have a change of mind...




Retired couples may need $250k for health care
Fidelity study: Retired couple needs $250k for health costs, up 4 percent from '09 estimate


.Mark Jewell, AP Personal Finance Writer, On Thursday March 25, 2010, 6:59 am EDT
BOSTON (AP) -- Relief to seniors facing high ************ drug costs is one of the first changes to come under the new health care overhaul. But ultimately that won't offset the relentless increase in retirees' medical expenses.

A couple retiring this year will need a quarter of a million dollars, on average, to cover medical expenses in retirement, according to a study to be released Thursday by Fidelity Investments.

The estimate is up 4.2 percent from Fidelity's projection last year. The Boston-based financial services company has updated its estimate annually since 2002 as part of its business helping employers design workplace benefits programs.

The study is based on projections for a couple of 65-year-olds retiring this year with Medicare coverage. The estimate factors in the federal program's premiums, co-payments and deductibles, as well as out-of-pocket ************ costs. The study assumes no employer provided insurance in retirement, and a life expectancy of 85 for women and 82 for men.

The estimate has risen 56 percent from Fidelity's initial $160,000 projection in 2002. The average annual increase has been 5.7 percent, so this year's 4.2 percent rise -- from $240,000 last year to $250,000 -- is modest.

But with broader inflation now near zero amid a recession, health care costs continue to rise faster than other expenses, said Sunit Patel, a senior vice president at Fidelity.

The findings illustrate the importance of factoring in health care alongside housing, food and other expenses in retirement planning.

"It turns out to be a surprise for many, and one of the largest expenses in retirement," Patel said.

The increase in this year's estimate was relatively small because a surge in patent expirations for brand-name drugs meant many cheaper generic versions reached the market, Patel said. That helped limit out-of-pocket ************ costs.

Fidelity's estimate doesn't factor in most dental services, or long-term care, such as costs from living in a nursing home. A 2008 study by Fidelity estimated a 65-year-old couple would need $85,000 on average to cover insurance costs for long-term care in retirement.

Thursday's study also didn't account for the health care overhaul that President Barack Obama signed into law Tuesday. Fidelity was updating its 2010 estimate before legislative details were clear, Patel said.

The law's focus is expanding access to people under age 65. But it also would benefit many retirees by gradually closing what's known as the "doughnut hole" coverage gap in the Medicare drug benefit. Seniors fall into that hole once they spend $2,830 per year. The legislation would begin narrowing the gap by providing a $250 rebate this year. The gap would be fully closed by 2020, when seniors would still be responsible for 25 percent of the cost of their medications until Medicare's catastrophic coverage kicks in.

Patel said the gap's closure is likely to yield only a "very modest" reduction to Fidelity's $250,000 overall cost estimate.

Fidelity's estimate is a projection of what an average couple would need. Actual costs will vary widely, depending on a couple's medical needs and how long they live.

The Employee Benefit Research Institute, an independent nonprofit, conducts similar research but, unlike Fidelity, doesn't focus on an average. That's because there are so many variables that many retirees' costs will end up far lower or higher than any average, said Paul Fronstin, EBRI's director of health research and education.

For example, EBRI estimated last year that a retired couple would need $416,000 for health care costs if their drug costs were far higher than average, in the 90th percentile. If that same couple lives longer than three-quarters of retirees, the estimate rises to $614,000.
Copyright © 2010 The Associated Press. All rights reserved. The information contained in the AP News report

[vols fan]

I did not see "freedom of speech" in the rules here at BC ...

Freedom of speech and wishing someone loses there job is two different things though. I was stunned when I read that

[codyp]

Hey vols fan, Karma a bitch. Watch out for your future.

[kbsooner21]

Hey cody, go fuck yourself

[Jamaicanman]

Hey vols fan, Karma a bitch. Watch out for your future.

Wow, the liberals on this board are really on the attack.

[Stern162]

Hey cody, go fuck yourself

[jcindaville]

Hold up dude!!!!!!!!!! What happened to our freedom of speech!!!!! You have to admit, this shit is so funny I can't get upset anymore!!!!! I just laugh.....

I have been laughing my ass off too buddy, these guys are cracking me up with all of this.

The thing is the funniest, is no one on here is going to CHANGE ANYONES mind or how they vote!!!!!!

Either you are conservative, or liberal, never seen anyone change the way they think or vote.

So all of this name calling and hatred and time wasting cracks me up, I LOVE these threads. Very entertaining

[jcindaville]

Freedom of speech and wishing someone loses there job is two different things though. I was stunned when I read that

I hope you realize i wasnt laughing at you when i was laughing at that guys post. I was shocked that someone out of no where would post that, it made me just fucking LOL.

You know i dont want that for you or your wife, specially the fact that she is a hot women and once your out of the way i can move back to Georgia and get me a Georgia peach again

[jcindaville]

Tell em KB

Hope all is well bro, didnt get my care package for the home and home. Nex left this morning but he is going to be back on Easter so you have time still

[codyp]

Man we have a bunch of babies on here. Everybody will get what they deserve in the end. Anybody can name call. If you are a assh*le, you will pay in the end. HAHA.