Senior News Briefs

Social Security Update: Changes to the Representative Payee Program Makes Life Easier for Caregivers

The representative payee program allows caregivers and third parties to manage the benefit payments of a beneficiary who is incapable of managing their own benefits. To support and empower caregivers:

1. Social Security Administration (SSA) eliminated the need to complete the annual Representative Payee report for the following types of caregivers:
   • Spouse of a beneficiary.
     
   • Natural or adoptive parents of a minor child beneficiary who primarily reside in the same household as the child.
   • Legal guardians of a minor child beneficiary who primarily reside in the same household as the child.
   • Natural or adoptive parents of a disabled adult beneficiary who primarily reside in the same household as the beneficiary.
2. For payees who are required to complete the annual Representative Payee report, we have made it much easier. Payees can use the Representative Payee portal, using their personal my Social Security account, to complete the report and manage other transactions on behalf of the beneficiary.

For more information, you and your clients can visit our Representative Payee webpage.

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What You’ll Pay for Medicare in 2025

Dear Savvy Senior,

I know there will be a small 2.5 percent cost-of-living increase in Social Security benefits next year, but what about Medicare? What will the Medicare Part B monthly premiums be in 2025, and when do the surcharges kick in for higher income beneficiaries?

     --Medicare Beneficiary

Dear Beneficiary,

The Centers for Medicare and Medicaid Services recently announced their cost adjustments for 2025 and the increases for premiums and out-of-pocket costs for most beneficiaries will be moderate. But if you’re a high earner, you’ll pay significantly more. Here’s what you can expect to pay in 2025.

Part B Premium

While Medicare Part A, which pays for hospital care, is premium-free for most beneficiaries, Part B, which covers doctor visits and outpatient services does have a monthly premium.

Starting in January, the standard monthly Part B premium will be $185, up from $174.70 in 2024. That $10.30 bump represents a 5.9 percent increase, which is more than double the most recent Social Security cost-of-living adjustment which was 2.5 percent.

But if you’re a high earning beneficiary, which makes up about 8 percent of all Medicare recipients, you’ll have to pay more. Medicare surcharges for high earners, known as the income-related monthly adjustment amount (or IRMAA), are based on adjusted gross income (AGI) from two years earlier, which means that your 2025 Part B premiums are determined by your 2023 AGI, which is on line 11 of the IRS tax form 1040.

Here’s how it breaks down. If your 2023 income was above $106,000 up to $133,000 ($212,000 up to $266,000 for married couples filing jointly), your 2025 Part B monthly premium will be $259.

Monthly Part B premiums for singles with an income between $133,000 and $167,000 ($266,000 and $334,000 for joint filers) will rise to $370.

Individuals earning above $167,000 up to $200,000 ($334,000 to $400,000 for joint filers) will see their monthly Part B premium increase to $480.90.

Those with incomes above $200,000 up to $500,000 ($400,000 to $750,000 for joint filers), will pay $591.90 per month in 2025. And single filers with income of $500,000 or more ($750,000 or more for joint filers) will pay $628.90 per month.

Part D Premium

If you have a stand-alone Medicare (Part D) prescription drug plan, the average premium in 2025 will be $46.50 per month for most beneficiaries, down from $53.95 in 2024. But again, for high earners with annual incomes above $106,000 ($212,000 for joint filers) you’ll pay a monthly surcharge of $13.70 to $85.80 (based on your income level) on top of your regular Part D premiums.

How to Contest Income

Beneficiaries that fall into any of the high-income categories and have experienced certain life-changing events that have reduced their income since 2023, such as retirement, divorce or the death of a spouse, can contest the surcharge. For more information on how to do this, see “Medicare Premiums: Rules for Higher-Income Beneficiaries” at SSA.gov/benefits/medicare/medicare-premiums.html.

Other Medicare Increases

In addition to the Part B and Part D premium increases, there are other cost increases you should be aware of. For example, the annual deductible for Medicare Part B will be $257 in 2025, which is $17 more than the 2024 deductible of $240. And the deductible for Medicare Part A, which covers hospital services, will increase to $1,676 in 2025. That’s $44 more than the 2024 deductible of $1,632. There are no surcharges on Medicare deductibles for high earners.

For more information on all the Medicare costs for 2025 visit Medicare.gov/basics/costs or call 800-633-4227.

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EARLIER SENIOR NEWS BRIEFS

Social Security Update:

In an ongoing commitment to serve the public more efficiently, the Social Security Administration is expanding appointment-based services at local Social Security offices. By scheduling appointments, they aim to reduce wait times, streamline service delivery, and improve the overall customer experience. Nearly 400 field offices have already moved to appointment-based service this year, although customers may still walk into their local field office or call for services. But the new appointment-based services has seen significant improvements in wait times at offices due to more efficient and helpful visitor experiences and increases in the number of customers able to complete their business online.

The appointment-based services nationwide will come in two phases. The first phase is a transition period now through January 5, 2025. The purpose of this transition period is to educate customers about needing to schedule an appointment for SSA services. As a reminder, many of the services can be provided via phone with an appointment and do not require a customer to walk into an office for service.

Effective January 6, 2025, we will require customers to schedule an appointment for service in our field offices, including requests for Social Security cards. We encourage customers to become accustomed to our:

• online services, where many transactions can be completed conveniently and securely, and
• automated services available on our National # at 1-800-772-1213.

Customers who are not able to handle their business online or with the automated options, may call their local Social Security office or 1-800-772-1213 to schedule an appointment.

Social Security Administration wants to make clear that they will not turn people away for service who are unable to make an appointment or do not want to make an appointment. For example, members of vulnerable populations, military personnel, people with terminal illnesses, and individuals with other situations requiring immediate or specialized attention may still walk in for service at our field offices. Some of our offices also have minimal to no wait times, and they will still serve customers who walk in.- - - - -

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A message from the Social Security Administration...

In honor of Veterans Day (Monday, November 11, 2024), the Social Security Administration takes a moment to honor all veterans who served our country and risked their lives to protect us. 

If you know a veteran, please let them know about our Military and Veterans webpage at www.ssa.gov/people/veterans.

On that page, we have information about Social Security Disability Insurance (SSDI) benefits for veterans, including:

⦁    How SSDI benefits are different from benefits available through the Department of Veterans Affairs and require a separate application. 

⦁    How we expedite the processing of Social Security disability claims for service members. 

⦁    Answers to questions asked about Social Security. 

Some active-duty military service members are unable to work due to a disabling condition but continue to receive pay while in a hospital or on medical leave. They should consider applying for SSDI. Active-duty status and receipt of military pay doesn’t necessarily prevent payment of SSDI benefits. 

Our Military and Veterans webpage is easy to share on social media and with your friends and family. Please consider passing this information along to someone who may need it.

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EARLIER NEWS BRIEFS

Navigating your health care choices: When to visit your primary care provider, urgent care, or the emergency room

...submitted by Steve Taylor, MD, Optum Care Washington

Knowing where to turn for medical care can be confusing. Each option – your primary care provider, urgent care, and the emergency room – may be appropriate under different circumstances.1 Here’s a guide to help you make the best decision based on your situation.

When to go to the emergency room:

The emergency room (ER) is designed to handle severe, potentially life-threatening conditions.2 The ER is equipped to provide immediate care for:

- Choking or trouble breathing

- Chest pain or pressure, symptoms that may be indicative of a heart attack

- Loss of consciousness or sudden confusion

- Stroke symptoms such as sudden inability to speak, see, facial drooping or weakness in the arm or leg

- Heavy bleeding or serious burns

- Sudden severe headache

- Severe allergic reactions with trouble breathing, swelling, or hives

- Substance overdose

- Suicidal thoughts

- Head trauma

- Trauma including large broken bones or any broken bone that protrudes through the skin

If you are experiencing symptoms of a heart attack or stroke, or symptoms that are severe or that are progressing rapidly, you should call 911 immediately.4

When to visit your primary care provider:

If you’re suffering from a minor illness or injury, your primary care provider should usually be your first choice for care. They know your medical history and are in the best position to help you manage your long-term care. Look to your primary care provider when in need of treatment for conditions such as:

- Aches and pains

- Cold and flu symptoms

- Infections such as pink eye

- Rashes

- Uncomplicated urinary tract infections

Your primary care provider also helps you manage chronic conditions and can focus on preventive care and promoting healthy lifestyle choices.

When to visit urgent care:

Many of the minor, acute issues your primary care provider addresses can be addressed at an urgent care center, as well. If you need more timely attention for conditions that are not life-threatening and you can't get an appointment with your doctor, urgent care can be a great option. Urgent care is especially useful for:

- Cold and flu symptoms

- Minor injuries and cuts requiring stitches

- Muscle or body aches

Remember, too, that in some cases your primary care provider may not be equipped to address every minor issue, such as lacerations requiring stitches, or minor injuries requiring an X-ray.

Once you understand the role of each health care option, you can make informed decisions and navigate your health with confidence.

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SSI Changes Reduce Customer Burden  

Social Security Administration has expanded access to Supplemental Security Income (SSI). The agency no longer includes food in 'In-Kind Support and Maintenance' (ISM) calculations. It has also expanded its rental subsidy policy exception, and has expanded the definition of a public assistance household.

"These changes will help more people access crucial SSI benefits," said Martin O'Malley, Commissioner of Social Security.  "By simplifying and expanding our policies, we are making SSI smarter, removing barriers to accessing payments, and reducing the burden on the public and agency staff.”

• By not including food in its calculations (such as informal food assistance from friends, family and community food banks), the agency estimates that the change could increase monthly SSI payments by about $131 per month for over 90,000 people and also allow more people to qualify for benefits.  
• By expanding a rental subsidy exception nationwide (that previously applied in only seven states), ensures that more people qualify and could increase SSI payments by about $132 per month for about 41,000 people and allow more people to qualify for SSI.
• The newly expanded definition of public assistance also allows more people to qualify for SSI and will increase some SSI recipients to receive higher monthly payments and reduces reporting burdens for people in public assistance households.   

For more information visit the following link: https://www.ssa.gov/ssi

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Social Security Adds New Kiosks to Make Check-In Easier

At Social Security we strive to make our services more accessible while maintaining your privacy. We installed new kiosks in most of our local offices to make it easier for you to check in and conduct business with us. The kiosks are private, easy to use without assistance, and provide consistent service to our customers. 

Modifications to earlier screens have improved the check-in process, especially for our customers who are blind or have low vision. Each kiosk is compliant with the Americans with Disabilities Act (ADA) and includes the following features: 

⦁    Accessible keypads.  

⦁    Audio headphone jacks (complimentary headphones are available upon request). 

⦁    Braille instructions for how to use the kiosk and report any accessibility issues. 

⦁    Built-in thermal printers and ticket dispensers.  

⦁    Enhanced 508-compatible check-in software. 

⦁    Touchscreen monitors with privacy filters. 

These kiosks are just one more way we’re improving the customer service experience in our offices. Last year, we began offering Mobile Check-in Express. It allows customers to use their mobile device to scan a QR code at their local office to check in for scheduled and walk-in appointments. 

By turning on their device’s location services and mobile notifications, visitors receive: 

⦁    An electronic ticket so they know their place in line. 

⦁    An alert when an employee is ready to help them.

⦁    Information about their interview location.

⦁    An invitation to participate in our feedback survey.

With our new kiosks and Mobile Check-In Express, our check-in process has never been easier. To learn more about our commitment to accessibility, visit www.ssa.gov/accessibility.  

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Washington State and Elder Abuse

According to a new analysis of statistics from the National Adult Maltreatment Reporting System and the US Census shows, Washington state leads in the nation in the number of elder abuse cases. Financial exploitation was the most common form of elder abuse in the state. 

If you or a loved one needs help with elder abuse or suspected elder abuse, contact Adult Protective Services (https://www.dshs.wa.gov/altsa/adult-protective-services-aps) or if your loved on resides at a long-term care facility such as assisted living, adult family home, or nursing home, consider contacting the Washington State Long-Term Care Ombudsman Program, which advocates for residents of long-term care and will investigate reports. https://www.waombudsman.org/

The report was sponsored by https://rplegalgroup.com/  

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Social Security Announces 2.5 Percent Benefit Increase for 2025  
 

Social Security benefits and Supplemental Security Income (SSI) payments for more than 72.5 million Americans will increase 2.5 percent in 2025, the Social Security Administration recently announced. On average, Social Security retirement benefits will increase by about $50 per month starting in January.

Over the last decade the COLA increase has averaged about 2.6 percent. The COLA was 3.2 percent in 2024.

Nearly 68 million Social Security beneficiaries will see a 2.5 percent cost-of-living adjustment (COLA) beginning in January 2025. Increased payments to nearly 7.5 million people receiving SSI will begin on December 31, 2024. (Note: Some people receive both Social Security benefits and SSI).

“Social Security benefits and SSI payments will increase in 2025, helping tens of millions of people keep up with expenses even as inflation has started to cool,” said Martin O’Malley, Commissioner of Social Security.

Some other adjustments that take effect in January of each year are based on the increase in average wages. Based on that increase, the maximum amount of earnings subject to the Social Security tax (taxable maximum) is slated to increase to $176,100 from $168,600.

The Social Security Administration begins notifying people about their new benefit amount by mail starting in early December.

This year, for the first time, Social Security beneficiaries will receive a newly designed and improved COLA notice that makes it easier for customers to find the information they need most. The simplified COLA notice is now only one page, uses plain and personalized language, and provides exact dates and dollar amounts of a person’s new benefit amount and any deductions.

Individuals who have a personal "my Social Security" account can view their COLA notice online, which is secure, easy, and faster than receiving a letter in the mail. People can set up text or email alerts when there is a new message--such as their COLA notice--waiting for them in "my Social Security."

People will need to have a personal my Social Security account by Nov. 20 to see their COLA notice online. To get started, visit www.ssa.gov/myaccount.

Information about Medicare changes for 2025 will be available at www.medicare.gov. For Social Security beneficiaries enrolled in Medicare, the 2025 benefit amount will be available via "my Social Security’s" Message Center starting in late November. Those who have not opted to receive messages online will receive their COLA notice by mail in December.

The Social Security Act provides for how the COLA is calculated. The Social Security Act ties the annual COLA to the increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) as determined by the Department of Labor’s Bureau of Labor Statistics.

To read more, please visit www.ssa.gov/cola.

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Washington State: Cancer Named the Biggest Killer

Data from the Centers for Disease Control and Prevention was analyzed to determine the top five causes of death in Washington. This data was gathered in 2022.

According to the analysis, the most prevalent cause of death in Washington is cancer, with a total of 13,432 fatalities

The second most prevalent cause in Washington is heart disease, with a total of 13,218 fatalities. The Mayo Clinic describes early warnings of heart disease as chest pain, shortness of breath, and fainting.

In third place is Alzheimer's, resulting in 3,695 deaths. The disease typically affects older adults, but in rare cases, early-onset Alzheimer’s can occur between the ages of 30 and 65. The main symptoms include memory loss, language difficulties, and unpredictable behavior.

Stroke is the fourth most common cause of death in Washington, with 3,339 deaths reported in this study. There are three forms of stroke: ischemic stroke, hemorrhagic stroke, and transient ischemic attack (TIA), each with different causes. Factors such as high blood pressure, diabetes, aging, and even pregnancy can lead to strokes.

Coming in fifth most common cause of death is chronic lower respiratory disease (CRD), with 2,925 fatalities reported. The World Health Organization describes CRDs as incurable diseases that affect the airways and other structures of the lungs. Common forms include chronic obstructive pulmonary disease (COPD), asthma, and pulmonary hypertension. Contributing factors to developing respiratory diseases include tobacco smoke, air pollution, and chemical exposure.

Holly Cook, VP of Marketing at U.S. Career Institute (https://www.uscareerinstitute.edu/), which funded the study, commented on the findings:

“Illnesses such as heart disease, stroke, and cancer can be unpredictable and not always the result of poor lifestyle choices, but there are many ways to reduce your risk of developing a life-threatening illness. Smoking is a main cause of multiple types of cancer and strokes. Quitting smoking will significantly improve your health. For those with respiratory diseases, first- and second-hand smoke can trigger asthma attacks and cause difficulty breathing."

Following a healthy lifestyle, which includes a healthy diet, adequate exercise, no smoking, limiting alcohol and having close social connections, are recommended.

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Earlier this month, the Alzheimer's Foundation of America issued a statement about new laws to combat Alzheimer's disease:

Photo courtesy of the Alzheimer's Foundation of America

“The Alzheimer’s Foundation of America applauds the federal government for continuing to prioritize the fight against Alzheimer’s disease with the enactment of the NAPA Reauthorization Act and the Alzheimer’s Accountability and Investment Act, both of which received Congressional approval and were recently signed into law by the President.

Both new laws will go a long way towards ensuring that Washington continues investing in Alzheimer’s research towards a cure, while also focusing on improving early detection; enhancing caregiver support; risk reduction; and raising awareness.

“We are grateful to the President and lawmakers in the House and Senate for working together in a bipartisan manner to address this growing public health crisis that continues to affect millions of Americans every day. Building off this progress remains essential.”

For more information about the Alzheimer's Foundation of America, call 866-232-8484 or visit www.alzfdn.org

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Social Security Wants You to Know About Senior Nutrition Programs

Are you eligible for Social Security retirement benefits or already receiving them? Did you know that you can also receive healthy meals and other nutrition services through the national Senior Nutrition Program? Local meal programs in communities across the country are waiting to serve you.

As we age, we have different needs, different ways we take care of our health, and different nutrients we need to get from our food. But we don’t always have enough healthy food or the desire to prepare or eat a meal. Whether you need more food, healthier food, someone to share a meal with, or better eating habits, a meal program can help.

Every day, senior nutrition programs serve almost 1 million meals to people ages 60 and older. With home delivery and group meal options, you can get the food you need in a way that works best for you. They can help you avoid missing meals – and save you time and money with less shopping and cooking.

Local programs serve more than food. They also:

⦁    Offer opportunities to connect and socialize. This improves both your mental and physical health.

⦁    Teach you how to create a healthy eating plan. You can learn about healthy food recommendations based on your age, needs, and preferences.

⦁    Connect you with other resources like homemaker services and transportation to help you stay connected and engaged in your community.

It’s no surprise that 9 out of 10 participants say they would recommend a senior nutrition program to a friend. We know this service can help create healthy, strong communities where people can thrive at any age. 

Find a senior nutrition program in your area and help us spread the word to your loved ones, neighbors, and community. For more information on resources for older adults, please visit eldercare.acl.gov/Public/Index.aspx.

To learn more about our retirement benefits, please visit www.ssa.gov/retirement.

The Senior Nutrition Program is administered by the Administration for Community Living, part of the U.S. Department of Health and Human Services.

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Social Security Administration Digitizes or Removes Signature Requirements for Many Forms

This month, the Social Security Administration (SSA) announced progress this year to reduce customer burden by transitioning physical signature requirements to digital signatures for over 30 forms as well as removing the signature requirements altogether for 13 forms. These actions simplify application processes for people, including removing a potential reason for claims to be sent back or denied. 

“Across forms that Americans use most often, we’re eliminating as many pain points as possible, from helping people sign at the click of a button to reducing the need to drive or mail something in whenever possible,” said Martin O’Malley, Commissioner of Social Security.  “This means faster and more error-free processing and better service for our customers, who deserve a government that meets their needs efficiently and effectively.” 

As a result of this work, SSA will now allow an electronic signature rather than a wet signature for more than 30 forms, which make up 90% of the most commonly used forms by SSA customers in local field offices.  Collectively, these forms represent about 14 million signed forms submitted annually.  

Furthermore, also this year, SSA has removed the signature requirement entirely for 13 of its most commonly used forms totaling about 1 million submissions in volume annually. This includes removing the signature requirement for the Medical Source Opinion of Patient’s Capability to Manage Benefits (Form SSA-787, which has a total annual volume of 768,000), the Letter to Employer Requesting Wage Information (Form SSA-L4201, which has an annual volume of 133,000), and Request for Reconsideration/Disability Cessation Right to Appear (Form SSA-789, which has an annual volume of 49,000).  Customers may also upload many of the 13 forms online, further reducing the burden felt by customers.

To build on this progress, SSA is considering removal of signature requirements on other forms that would ease requirements on about 1 million additional transactions. 

Social Security works to pay the right people at the right time in the correct amount. These efforts ensure we maintain strong anti-fraud protections while removing onerous requirements that are not serving their intended purposes.

These efforts also complement other initiatives to modernize and streamline operations. The agency is expanding paperless communication options for the millions of my Social Security users so they can see their online Social Security Statement, track the status of their claims, and calculate potential retirement benefits.  Notices from across 60 categories are now provided through my Social Security for easy online access by customers, including the Cost-of-Living Adjustment, their SSA-1099, Benefit Rate Increases, Appointment Confirmations, and more.  

New my Social Security account holders can choose online-only communications with one click, and others are encouraged to transition for an enhanced experience.   

Social Security is undertaking this work in alignment with the Executive Order on Transforming Federal Customer Experience and Service Delivery to Rebuild Trust in Government (E.O. 14058), the Office of Management and Budget’s (OMB) guidance Delivering a Digital-First Public Experience (M-23-22), and OMB guidance Improving Access to Public Benefits Programs Through the Paperwork Reduction Act (M-22-10).  

To hear directly from Commissioner O'Malley and learn more about the efforts to remove wet signature requirements, visit the agency’s YouTube page (Signature Removal from SSA Forms (youtube.com). 

For more information on online services visit Online Services | SSA.  To create a my Social Security account, please visit www.ssa.gov/myaccount. 

As retirees step into their golden years, many might picture themselves tending to gardens, embarking on long-awaited travels, or savoring precious moments with family. However, a new trend is transforming the traditional notion of retirement: the rise of the 'side hustle.' Driven by the need to stay mentally active or to supplement their retirement income, an increasing number of retirees are embracing side hustles as a means to secure their financial future.

According to a recent study by MarketBeat.com, the retiree side hustle economy is thriving. By surveying 3,000 respondents and analyzing publicly available data, the study found that retirees with side hustles earn an average of $379 per month, which translates to a national economy worth $6 billion.

When it comes to Washington state, seniors here with a side hustle are making $293 on average, equating to a local side hustle economy of $109,099,983. Another study found that in the Seattle metro area, residents aged 65 or older make up 14.5% of the total population but that overall, 21.1% of the Seattle metro's over-65 population is still in the labor force. 

The study states that over 1/4 of retirees take a post-retirement job for "a sense of purpose and fulfillment." Retires said they pursue side hustles to: 

⦁    Supplement retirement income: 47%

⦁    Stay mentally engaged and active: 34%

⦁    Pursue a passion or hobby: 10%

⦁    Meet new people and build social connections: 9%

As for the types of side hustles retirees engage in, the majority (32%) have launched their own small businesses. Crafting and selling homemade goods is another popular choice, with 30% of retirees involved in this activity. Additionally, 22% of retirees supplement their income through trading or investing, while 15% choose freelancing. An additional stuy on a similar topic found that the highest overall numbers of oer-65 workers includes delivery drivers and route salespeople, followed by retail sales, and janitors and building cleaners. School bus drivers, crossing guards and flaggers also have high concentrations of older workers. 

On average, retirees dedicate 10 hours and 24 minutes per week to their side hustles. When asked what they find most rewarding about these activities, the respondents' top answers were:

⦁    The additional income: 34%

⦁    The sense of purpose and fulfillment: 29%

⦁    The mental stimulation and engagement: 21%

⦁    The flexibility and freedom: 10%

⦁    The social connections and community: 6%

Perhaps most strikingly, an overwhelming 76% of respondents reported that their side hustles bring them happiness. Moreover, 19% of retirees are so motivated by their side hustles that they are considering turning them into full-time businesses.

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Social Security in Plain Language

...this article is courtesy of the Social Security Administration

The terms and acronyms people use when they talk about Social Security can be a little confusing. Knowing where to find easy-to-understand definitions can be very helpful. We’re here to provide resources to help you understand much of what you need to know about Social Security and our terminology. 

If there’s a technical term or acronym that you don’t know or understand, you can easily find the meaning in our online glossary at www.ssa.gov/agency/glossary. We strive to explain our programs and benefits using plain language. In fact, the Plain Writing Act of 2010 requires federal agencies like the Social Security Administration to communicate in a way the public can understand. This can be challenging when talking about complicated programs like Social Security, Supplemental Security Income (SSI), and Medicare. That’s why the glossary is helpful. 

If you’re nearing retirement, you may want to know the meaning of PIA (primary insurance amount), FRA (full retirement age), and DRCs (delayed retirement credits). These terms all relate to your benefit amount — based on when you decide to take your Social Security. If you start receiving your retirement benefit at FRA, you’ll receive the full PIA (amount payable for a retired worker who starts benefits at full retirement age). So, FRA is an age and PIA is an amount.

What about DRCs?  Delayed retirement credits are the incremental increases added to your PIA if you delay taking retirement benefits beyond your FRA. If you wait to begin benefits beyond FRA — say, at age 68 — your benefit increases for each month you delay up until you reach age 70.

Once you receive benefits, you typically get an annual COLA (Cost-of-Living Adjustment) that increases your monthly benefit most years.

Learning our terminology can deepen your understanding of how Social Security works for you and your family. 

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Study Finds Humans Age at Two Key Points in Life

A study that was published in through Stanford University and published in the journal Nature Aging shows that, at the molecular level, "human aging does not happen in a gradual, linear way." Instead, aging takes place in two accelerated bursts -- first at age 44, and then again at age 60. 

Michael Snyder, chair of the department of genetics at Stanford and the author of the study reported to CNN about the two waves of aging. "People often get muscle injuries and see their fat accumulation it in their 40s, and definitely sarcopenia (muscle loss) hit people in their 60s -- this is a very big deal." Disease risks also rise faster at these two junctures, especially after age 60 when people become more susceptible to cardiovascular disease, kidney issues and type 2 diabetes. As an example of how the body changes, the study showed that the ability to metabolize substances such as caffeine notably decreases first around age 40 and once again around age 60. 

The study followed 108 participants from diverse ethnic backgrounds over several years to observe molecular aging (RNA, proteins and microbiomes). The researchers analyzed male and female datasets separately because of the idea that female changes could be attributed to menopause. However, the results were similar for both sexes. A similar study out of Germany found that there is another wave of aging around age 75. 

Study takeaways: Make lifestyle changes such as drinking less alcohol, eating a healthier diet, and exercising more when nearing these pivotal years. Snyder advised people approaching their 60s to watch their carb intake and to drink plenty of water to aid kidney function. 

You can read the full CNN article at this link: https://www.cnn.com/2024/08/20/health/dramatic-human-aging-scli-intl-wellness/index.html.

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Getting Stuff for Free at the Library

I came across a piece by National Public Radio all about surprising ways that the library can save you money. One of the missions of a public library is to serve the needs of the local community and that extends beyond books and magazines. 

Here are 7 tips:

1. Before you buy something, see if you can borrow it from the library. Depending on the individual library, they may  offer not only books, but they may allow you to borrow video and board games, musical instruments, bakeware, or even free seeds. Libraries that have tools to check out include not only the tools but safety goggles and even a laser level. 

2. Free and discounted tickets to local attractions like museums or state park passes.

3. Need printing? Patrons with a library card are allowed to print out documents. For example, King County Library system patrons are allowed a certain number of copies each week. After that, you pay per copy.

4. If you happen to be a student, library can help with test prep and research, free access to computers and other technology. Many libraries also offer free use of their meeting rooms. Some local libraries offer job search help or even learning a new language.

5. Libraries offer a surprisingly full schedule of activities and clubs -- not only book clubs,  cooking clubs, or classes from local experts -- all for free. Check out your local library and ask them for their upcoming schedule. 

6. Some libraries offer free concerts and performances. 

7. Access free social services. Libraries may offer free tax prep, free help with using technology, or even to meet for free with an attorney. 

Want more information? Visit your friendly local library. Here is a link to the story on NPR: How-to-get-the-most-out-of-your-library

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Washington Health Care Costs Survey Results 'Alarming'

...by Eric Tegethoff, Washington News Service

Survey results on the affordability of health care finds that Washingtonians are worried about the rising costs of health care -- in some cases even avoiding treatment because of the price tag.

The survey found 57% of respondents didn't seek medical treatment or modified their prescription drug use in the last year because of cost. One in three Washingtonians reported living in a household with medical debt.

Sam Hatzenbeler is a senior policy associate with the Economic Opportunity Institute, part of the coalition that commissioned the survey.

"The survey results are very alarming," Hatzenbeler stressed. "More than half of respondents said they were forced to use money from their food, heat and housing budgets, deplete all or most of their savings, or struggle to pay for basic necessities in order to pay for health care."

Some 63% of respondents said they couldn't pay -- or would struggle to pay -- an unexpected medical bill of $500. The survey found Black and Latino communities faced greater struggles than white communities when paying health care costs.

The nonprofit group Fair Health Prices Washington teamed up with the national organization United States of Care for the survey.

Bill Kramer, senior health policy advisor for the Purchaser Business Group on Health, said consolidation in the industry has left people and businesses with little bargaining leverage, and added that this is a big issue for small businesses.

"These high prices and rapid premium increases have caused problems of slower business growth, lower business investments. It's harder to recruit and retain employees, it crowds out wages and many small businesses simply can't afford to offer health benefits," he said.

Last week, the Washington State Office of the Insurance Commissioner released a report analyzing five policies that could help the state rein in health care costs.

Hatzenbeler described these policies as a potential road map for lawmakers next session. She also noted that 87% of Washingtonians, across party lines, want lawmakers to take action.

"It's time for policymakers to engage with ideas that could really make a difference for people's pocketbooks," she continued.

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Washington Ranks #1 for Most Limited Hospital Access

A new report states that Washington is the state with the worst hospital bed access. According to research analyzing data from The Cecil G. Sheps Center for Health Services Research (which has records for the number of hospitals, hospital beds, and critical care beds for each hospital type in every U.S. state), Washington had the worst record for hospital bed access per 100,000 people. The research was conducted on behalf of a personal injury attorney (www.injuredinflorida.com). Residents in Mississippi have the best hospital access with 487 hospital beds per 100,000 people. In contrast, the report shows that Washington has 179.4 hospital beds per 100,00 residents (Hawaii is second is limited hospital access). A spokesperson for the study commented on the findings: "Assessing which states have the most access to hospital beds is important for several reasons... (the data) highlights the readiness of a state's healthcare system to handle emergencies and pandemics, ensuring that there are enough resources to care for patients in critical situations."

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Longevity Doctor's 3 Nighttime Supplements

Dr. Peter Attia says a good sleep is essential for longevity and that he takes three supplements to support his sleep each night. He also tries to get a hot sauna right before bed at least four nights a week (or a warm bath or hot shower may do the trick). He also avoids alcohol and tries not to eat within three hours of going to bed.  Attia is the author of the 2023 New York Times bestseller, "Outlive: The Science and Art of Longevity." Dr. Attia has said that his routine is to be as unstimulated as possible before bedtime, and getting as much restful, restorative, deep sleep as possible. The supplements he takes to support his sleep are: ashwagandha, a traditional Ayurvedic medicine that is a traditional sleep aid in India. (Ashwagandha may interact poorly with certain medications, so consult with an expert before adding it to your regimen). Dr. Attia also takes a cholesterol-lowering supplement that may be good for muscle recovery... He takes lysine, which is an essential amino acid. Attia also uses a special kind of magnesium, L-threonate. "Just make sure it has Magein in it," advises Dr. Attia. To read the full article, visit 3 Nighttime Supplements

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Update Your Online Social Security Account

We recently ran an article on this topic, but it's worth posting again -- this time from our Savvy Senior columnist, Jim Miller, who adds a focus on preventing scams.

"This is not a scam: Social Security needs you to update your online account," writes Jim Miller. 

The Social Security Administration did indeed send out a legitimate email last month to notify recipients that they are making changes to the way you access Social Security’s online services, including your personal “my Social Security” account.

The changes will simplify your sign-in experience and align with federal authentication standards, while at the same time provide you safe and secure access to your account and other online services.

If you created an online my Social Security account before September 18, 2021, you’ll need to shift to a Login.gov account to be able to continue to access your account.

Online my Social Security accounts enable both beneficiaries and people who are not yet receiving benefits to access services, including requesting Social Security card replacements, estimating future benefits, checking on the status of benefit applications and managing current benefits.

The online services aim to save time for both current and future beneficiaries, as well as the Social Security Administration, as the agency grapples with long wait times for its national 800 phone number. The average speed to answer those calls was about 36 minutes in the second quarter, according to the SSA. The agency is working to bring that average wait time down to 12 minutes by the end of September 2025.

Update Your Account

If you already have a my Social Security account, go to ssa.gov/myaccount and sign in with your Social Security username. You’ll then be guided through the process of creating a new account with Login.gov. Once you successfully link your personal my Social Security account with your new Login.gov account, you’ll get a confirmation screen and have immediate access to online services. In the future, you’ll sign into your account with Login.gov and not your Social Security username.

If you already have either a Login.gov or ID.me account, you do not have to take any action.

Beware of Scams

To be sure you’re taking the appropriate steps to update your account, it is important to verify any websites or links leading you to the Social Security website. Legitimate Social Security Administration website link is www.ssa.gov and the agency link to my Social Security account is www.ssa.gov/myaccount.

It’s very important to be mindful of potential scam artists who may send you fraudulent websites pretending to direct you to Social Security. These sites will closely mimic the format of the agency’s links to try to lure you into entering your personal information.

If you see a suspicious email or link, it is best not to respond or click on it. Instead, you can report it to the website of the SSA’s Office of the Inspector General or call the fraud hotline at 800-269-0271.

Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.

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Connect with Your Social Security Account from Anywhere

This article is provided by the Social Security Administration

The Social Security Administration continues to find ways to make doing business with them easier. The "Social Security Video Connect" option allows you to conduct your Social Security business by using a video on your personal device, from your preferred location.

Social Security Video Connect is available for:

• No-change replacement Social Security cards (U.S. citizens only).
• Date of birth corrections (U.S. citizens only).
• Benefit applications.
• Redeterminations.
• Overpayments.
• Medicare.

How to Get Started:

To get started with this new service, you will need a computer, tablet, or smart phone with a webcam and internet access. Once you have your device, complete the following steps:

Contact your local Social Security office or call 1-800-772-1213 between 8am and 7pm Monday through Friday to schedule a video appointment. A representative will determine if a video appointment is appropriate for you. If a video appointment isn't appropriate for your needs, they can conduct the interview over the phone or in the office. 

• Provide your email address and phone number to receive an email with a link for the Microsoft Teams meeting.
• Connect with the Social Security representative using that Microsoft Teams meeting link on the date and time of your appointment. 

If you run into issues with Teams or need to reschedule your appointment, contact your local Social Security office or call 1-800-772-1213.

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Dear Reader, we typically run this "Savvy Senior" column in our Health and Aging News section, but this column by Jim Miller (savvysenior.org) seems appropriate for today's Senior News Update. 

Jim Miller is answering the question: "Can I stop my Social Security retirement benefits and restart them later to get a bigger payment? I recently got a nice, unexpected inheritance, so don’t need the money from Social Security right now. If possible, I would like to suspend my benefits and restart them at age 70."

Jim replies: Yes, there are actually two different strategies that allow Social Security beneficiaries to undo their claiming decision. But to be eligible, there are certain conditions you’ll have to meet. Here’s what you should know.

Withdrawal Benefits

If you are in your first year of collecting retirement benefits, you can apply to Social Security for a “withdrawal of benefits.” Social Security will let you withdraw your original application for retirement benefits, but it must be within 12 months of the date you first claimed your benefits.

If you opt for a withdrawal, Social Security will treat it as if you never applied for benefits in the first place. But there’s a catch. You’ll have to repay every dollar you’ve received, including those of any family members who have been collecting benefits on your earnings record, such as a spouse or minor child, along with any money that was withheld from your Social Security payments – for example, to pay your Medicare premiums.

You can only withdraw your application for Social Security benefits once, but you can apply for benefits again later when the monthly amount would be larger.

To withdrawal your benefits, fill out Social Security form SSA-521 (see ssa.gov/forms/ssa-521.pdf) and send the completed form to your local Social Security office.

If you change your mind, you have 60 days from the date Social Security approves your withdrawal to cancel the request.

Suspend Benefits

If, however, you miss the 12-month window, or if repaying your Social Security benefits is not financially feasible, there is another do-over option, but you’ll need to be full retirement age or older to be eligible.

Full retirement age is 66 and 6 months for those born in 1957, but it rises in two-month increments every birth year to age 67 for those born in 1960 and later. You can find your full retirement age at SSA.gov/benefits/retirement/planner/ageincrease.html.

At that point, you can “suspend” your Social Security benefit and the good news is you don’t have to repay anything. But the bad news is your monthly Social Security benefits stop and so do those of any dependent family members (except a divorced spouse).

During the suspension, you will also accrue delayed retirement credits, which will increase your monthly retirement benefit by two-thirds of 1 percent for each suspended month (or 8 percent for each suspended year) up until age 70.

Suspended benefits would automatically resume at 70, or you could choose to resume Social Security benefits earlier, but you’d only receive delayed retirement credits for the period when benefits were suspended.

You can request a Social Security suspension over the phone (800-722-1213), in writing or in person at your local Social Security office. The suspension would begin the month after you make the request.

Also note that if you’re enrolled in Medicare, there’s another consequence of withdrawing or suspending your benefits.

Normally, Medicare Part B premiums ($174.70 per month in 2024 for most beneficiaries) are deducted directly from monthly Social Security payments.

If you withdrawal or suspend your benefits and you’re enrolled in Medicare Part B, you’ll start receiving a quarterly bill from Medicare. You’ll have the option of paying electronically or by mail. Or you can sign up for Medicare’s Easy Pay, which automatically deducts your premium payments from your savings or checking account each month.

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Security Announces Upcoming Changes to Accessing Online Services

Agency Transitioning Authentication Services to Login.gov

The Social Security Administration announced that customers who created an online account (e.g., my Social Security account) before September 18, 2021, will soon be required to transition to a Login.gov account to continue access to their online services. Over five million of these account holders have already transitioned to Login.gov.

The agency is making the changes to simplify the sign-in experience and align with federal authentication standards while providing safe and secure access to online services. 

“my Social Security is a safe and secure way for people to do business with us,” said Social Security Commissioner Martin O’Malley. “We’re excited to transition to Login.gov to access our online services, streamlining the process and ease of use for the public across agencies.”

Account holders are encouraged to sign-in now. When the user logs in, they will be presented with an option to easily transition to Login.gov. Once their account is successfully linked, a confirmation screen will appear, and they will have immediate access to their personal my Social Security services or other service that they were attempting to access. 

Existing Login.gov or ID.me account holders do NOT need to create a new account or take any action. 

my Social Security accounts are free, secure, and provide personalized tools for everyone, whether receiving benefits or not. People can use their account to request a replacement Social Security card, check the status of an application, estimate future benefits, or manage the benefits they already receive. For more information visit Create an Account | my Social Security | SSA. 

For more information about Login.gov, including their 24/7 customer phone and chat support, visit Help | Login.gov.

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Alzheimer’s Foundation of America Statement on FDA’s Approval of New Alzheimer’s Medication

“We are encouraged by the FDA’s approval of donanemab and are optimistic that it will make a positive difference in the lives of individuals living with Alzheimer’s disease and their family caregivers. As with any medication, patient access and affordability to all those in need is vitally important, and we hope the FDA’s actions will facilitate both.

“This is another positive sign of further progress, but we must keep moving forward until we reach the finish line—a cure for Alzheimer’s disease. Federal policymakers must continue increasing investments in Alzheimer’s disease research and support services for caregivers to provide help and hope to the millions of Americans living with Alzheimer’s.”

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Medicare Rights Center Fact Sheet

The Medicare Rights Center's new fact sheet series is designed to help people understand important health care policy ideas during this election season. The series, called "What's at Stake," explores various policy ideas and their potential impacts on major health care programs, such as Medicare, Medicaid, and the Affordable Care Act (ACA).  

Understanding how these reforms might affect coverage, care, and outcomes for older adults and people with disabilities is essential, as they may influence voting behavior, donations to causes, and interactions with elected officials. While some ideas may appear partisan, many enjoy broad support and are sensitive to shifting political dynamics.  

The main topics covered in the series include:  

• Medicare Reforms in the Inflation Reduction Act
• Medicare Private Contracting 
• Medicare Means Testing 
• Raising the Medicare Eligibility Age 
• Medicare Premium Support 
• Affordable Care Act Coverage Expansions and Consumer Protections
• Medicaid Financing 
• Medicaid Waivers 
• Medicaid Work Requirements

The following link takes you to the Medicare Rights Center Fact sheets: Medicare Rights Policy Series

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Defending Against Scammers Who Target Your Social Security Benefits

...this article is courtesy of the Social Security Administration

Scammers are always finding new ways to steal your money and personal information. The best way to defeat scammers is to know how to identify scams and to ignore suspicious calls and emails.

One common tactic scammers use is posing as federal agents or other law enforcement officials. They may claim your Social Security number (SSN) is linked to a crime. They may even threaten to arrest you if you do not follow their instructions. Here are three things you should do:

1. Hang up right away or do not reply to the email.
2. Never give personal information or payment of any kind.
3. Report the scam at oig.ssa.gov to immediately notify the law enforcement team in the Social Security Administration's Office of the Inspector General.

You should continue to remain vigilant if you receive a phone call from someone who claims there's a problem with your SSN or your benefits. If you owe money to the Social Security Administration, they will mail you a letter explaining your rights, payment options, and information about appealing. When trying to identify if a call or email is a scam, remember that the Social Security Administration will never: 

• Threaten you with benefit suspension, arrest, or other legal action.
• Promise a benefit increase or other assistance in exchange for payment.
• Require a payment by retail gift card, cash, wire transfer, internet currency, or prepaid debit card.
• Demand secrecy from you in handling a Social Security-related problem.
• Send official letters or reports containing personally identifiable information via email.

For more information on scams, visit www.ssa.gov/scam. And please share this information with anyone who may need it.

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Protest Against Identity Theft

Identity theft is when someone uses your personal information to impersonate you or steal from you. It is important that you stay safe online. Please review these privacy and identity protection resources from the Social Security Administration:

1. A great online resource is www.ssa.gov/myaccount. You can visit this page to open a secure my Social Security account, keep track of your earnings record, and identify any suspicious activity.

2. Social Security Administration's (SSA) blog post, Protect Yourself from Identity Thieves, helps you understand how to spot, prevent, and report identity theft. You can check out this blog at blog.ssa.gov/protect-yourself-from-identity-thieves. 

3. In the blog post, Protect Your Online Identity with Strong Passwords, SSA encourages better password habits to keep online data and accounts safe and secure. You can check out the following blog for tips to help make sure passwords are strong at blog.ssa.gov/protect-your-online-identity-with-strong-passwords.

4. The blog post, Protecting Yourself from QR Code Fraud, provides details to help safeguard you from using Quick Response (QR) codes that may compromise your personal information. You can read this blog at blog.ssa.gov/protecting-yourself-from-qr-code-fraud.

5. Fraudsters use Social Security scams to mislead victims into making cash, gift card, or wire transfer payments to fix alleged Social Security number problems. Learn how to spot scams, check out our blog post Social Security's Top 5 Scam Awareness Articles at blog.ssa.gov/social-securitys-top-5-scam-awareness-articles.

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Washington Ranks 7^th in 2024 America’s Health Rankings Senior Report

• Between 2017-2019 and 2020-2022, senior drug deaths increased by 60%, from 8.6 to 13.8 deaths per 100,000 adults aged 65 and older between 2017-2019 and 2020-2022).
• Held the second-lowest rate of physical inactivity at 22.9%, compared to a national average of 30.9%.
• High-speed internet access increased by 12% in households with one or more adults aged 65 and older between 2016 and 2022.

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PSE to Resume Shutting Off Power for Residents Behind on Payments, Including Households with Vulnerable Seniors

Puget Sound Energy (PSE), Washington’s largest utility, announced a new plan for disconnecting customers who are behind on their utility bills. This plan will increase the number of customer disconnections for non-payment to levels not seen since before the COVID-19 pandemic. Tens of thousands of vulnerable and low-income households, previously protected from utility disconnections during and after the pandemic, are now at risk of losing access to power and heat.

The Washington Utilities and Transportation Commission approved the request, allowing PSE to resume sending disconnection notices to customers who have high past-due balances of 90 days or more and gradually moving to customers owing as little as $250.

Washington State Community Action Partnership (WSCAP), Front and Centered, NW Energy Coalition, and the Sierra Club advised the Commission to keep disconnection protection in place for customers enrolled in bill discount or bill assistance programs, customers in highly impacted or overburdened communities, and customers who declare a situation where disconnection would put their health or housing at risk. Such customers include homebound and medically fragile seniors and families with small children.

"Research highlights the extreme consequences disconnections have on vulnerable and low-income customers, including not being able to afford other basic necessities like food and medicine or even being evicted from rental properties,” said Yochi Zakai, an attorney representing WSCAP. The Commission granted PSE’s request to break its disconnection protection agreement despite being presented with this research.

“Instead of resorting to punishing customers struggling to afford their bills, we need utilities to implement models that increase communications with residential customers behind on payments to help them take advantage of available financial assistance programs or get them into payment and budget plans," said Shaylee Stokes, director of The Energy Project, a program of WSCAP. 

EARLIER SENIOR NEWS BRIEFS:

• Assisted Living Workers at WA Facility Call for Higher Wages. Workers for an assisted living facility are calling for higher wages in their union contract negotiations. Aegis Living, a Seattle-based company, has been in negotiations with Service Employees International Union - Local 775 - since March 2023. Workers say higher pay would help with retention. SEIU 775 says Aegis Living has increased fees for residents, but that money has not made its way to workers. Chetty said some of his colleagues are leaving for minimum wage jobs because the pay is similar, and the work is less stressful. --Washington News Service

•  911-211-988 Under One Roof: A first-of-its-kind service that brings social services and mental health together to support 911 is now operational through Valley Communications Center and Crisis Connections to serve South King County. --read full story at the following link:  http://dev.northwestprimetime.www.clients.ellingtoncms.com/news/2024/may/20/south-king-county-now-offers-911-988-211-under-one-roof/

• Senior Farmers Market Nutrition Program: From June 1 through October 31, the Senior Farmers Market Nutrition Program (SFMNP) provides benefits to lower-income older adults to purchase locally grown fruits, vegetables, honey, and herbs. --read full story at the following link:     https://northwestprimetime.com/news/2024/may/15/senior-farmers-market-nutrition-program/

• AARP Seeks Nominees for Washington State Exceptional Volunteer Award: The award honors people ages 50+ who are sharing their time, talent, experience and skills to enrich the lives of community members. --read full story at the following link: AARP Seeks Nominees for Exceptional Volunteer Award