Getting Disability Insurance When You Are Self-Employed

It can be difficult to pay your bills if you get sick or injured and are unable to work. And it’s even more challenging if you’re self-employed and don’t have the benefit of sick days or any disability insurance from your employer. It can be complicated to qualify for disability insurance if you’re self-employed, but the following strategies can help — from

New Rules for Medical and Dependent Care FSAs

Recent changes to the rules for health care and dependent care FSAs make these tax-free plans more flexible — especially if your medical or child-care needs have changed over the past few months. Learn more in this article from U.S. News & World Report.

Don’t Make These Medicare Mistakes if You Lose Your Job After 65

You can delay signing up for Medicare past age 65 if you’re still working and have health insurance from a large employer. But you need to enroll quickly after you lose your job or retire or else you could face lifetime penalties and expensive coverage gaps. Find out how to avoid these problems in this AARP article.

How to Fit Long-Term-Care Insurance Into Your Retirement Budget

You need to consider the potential cost of long-term care when planning for retirement, which can top $100,000 per year in a nursing home and $50,000 in assisted living or your own home. Long-term-care insurance can help you cover those expenses, but the policies are becoming more expensive, too. Find out how to manage the cost of long-term-care insurance and take advantage of tax breaks, while providing some valuable coverage to protect your retirement savings, in

How to File an Amended Tax Return

Did you discover tax breaks you might have missed in the past? You still have time to file an amended return for 2017, 2018 or 2019 and get back an extra refund. This article in U.S. News & World Report explains why and how to file an amended return — and how the procedure is different this year.

Tax Strategies for Child Care Changes During the Coronavirus Pandemic

Your child care needs are probably very different than you were expecting at the beginning of the year, but new rules and strategies can help you make the most of tax breaks for changing child care expenses. Find out what you can do now in this U.S. News & World Report article.

How to Recession-Proof Your Finances

Servicemembers and military retirees face unique risks during an economic downturn. Find out about steps they can take at each stage of their career to protect their finances from a recession — in Military Officer magazine.”