"Let's have some discussion about what the government would actually be measuring," Johnson says. "It would not be direct measurement of the growth in the costs of specific goods and services as is the case under the conventional CPI," she says. "Yet that's what most people think of when we talk about inflation," she says. According to the Congressional Budget Office, the chained CPI measures the amount of additional resources that an individual would need to maintain the same standard of living this year as last year. "That's not the same thing, especially for people dependent on fixed incomes," Johnson notes. .As for job hunting tips, my book has a chapter called "Six Rules for Job Hunting." I discuss how to package yourself as the solution to an employer's problems, how to keep your skill set fresh and relevant, 21st Century networking techniques, and several other key strategies. .While disability benefits may pay slightly more than early retirement benefits at age 63, starting the disability application and determination process is an arduous, bureaucratic procedure that can take a long time before benefits actually start — sometimes years. Many people find they must hire an attorney. According to data from the Social Security Administration, only one quarter of applicants are determined eligible for disability benefits the first time they apply. Filing an appeal has about 49% chance of succeeding, but the process can result in long waiting periods to be found eligible for benefits, which often takes more than two years. By the time your husband might be found eligible for disability benefits, he may only receive them for a year or two before he would age into his full retirement benefit. .Have You Been Fully Vaccinated? .I turn 61 this year and I'm still employed. I've read about waiting until my full retirement age before starting Social Security benefits. Is that 66? Do I enroll in Medicare at the same time I start Social Security? .Get routine physicals and screenings done prior to the start of Medicare's annual Part D Open Enrollment. Case in point: My client had problems with her new blood pressure medication. It was one of the most common and inexpensive generics but she suffered from extreme fatigue and depression. At my urging, she returned to her doctor and was given a new brand prescription to try and a 7-day free sample. She felt better right away. Routine physicals and screenings are generally scheduled about 12 months apart, but try to get them completed about 30 days BEFORE the annual fall Medicare Part D Open Enrollment period, so you can allow for a trial period with any new meds. When you get your new prescription, ask your doctor or pharmacist for a complete list of side effects or possible drug interactions. Keep a list of symptoms if you don't start feeling better. .We want to reiterate here that TSCL is a non-partisan organization and we work with any member of Congress and both political parties when they support legislation that we believe is in the best interest of America's seniors. .In addition, one new cosponsor – Rep. David Valadao (CA-21) – signed on to the Social Security Fairness Act (H.R. 1795) this week, bringing the total up to ninety-five. If signed into law, the bill would repeal the Government Pension Offset and the Windfall Elimination Provision – two provisions that unfairly reduce the earned Social Security benefits of millions of state and local government employees each year. .What does the policy cover? In addition to basic services, make sure you learn about tooth removals, root canals, periodontal gum treatments, dentures, crowns, bridges and implants. Read details carefully. For example, your dental plan may only cover one implant a year, even though you may need to get two or more done at one time.