By Jim Miller

Dear Savvy Senior,

I spend a lot of time online and love the convenience of paying bills, shopping, and keeping up with my grandkids on Facebook and Instagram. But a few months ago, my computer was infected with malware, and I just found out some cyber crook opened up a credit card using my identity and went on a shopping spree. Do you have some simple tips to help me stay safe while online?

Paranoid Patty

Dear Patty,

Unfortunately, cybercrimes against seniors continue to be a big problem in the U.S. According to the FBI 2022 Elder Fraud Report, cybercrime cost Americans over age 60 more than $3 billion last year, a whopping 84 percent increase from 2021.

By Jim Miller

Dear Savvy Senior,

I take several medications for multiple health conditions and the prices keep going up, even with my Medicare prescription drug insurance. Can you recommend any tips that can help cut my costs?

Tapped Out Tina

Dear Tina,

The high cost of prescription drugs is an ongoing problem that stings everyone, but it usually affects seniors more because they have a greater need for medications and because Medicare doesn’t cover all their drug costs.

While the Inflation Reduction Act, that was signed into law last year, will help seniors save on their medications by negotiating lower drug prices and caping out-of-pocket spending at $2,000, it will be a few years before the law is fully enacted. In the meantime, here are some different strategies that can help reduce your costs so you can afford what you need.

By Jim Miller

Dear Savvy Senior,

Are there any monitored medical alert devices that you know of that don’t require pushing a wearable help button? My 82-year-old father, who lives alone, has fallen twice during the past year but doesn’t like wearing an SOS pendant button.

Searching Daughter

Dear Searching,

Yes, there are actually several monitored medical alert systems and other technologies on the market today that have voice-activated capabilities that let seniors call for help using voice commands, without pushing a wearable help button.

By Jim Miller

Dear Savvy Senior,

How does Medicare cover preventive health screenings? I’m due to get a physical and a colonoscopy this year, but I want to find out what I’ll have to pay for before I go in.

Just Turned 65

Dear Just Turned,

You’ll be happy to know that Medicare covers a wide array of preventive and screening services to help you stay healthy, but not all services are completely covered. Here’s what you should know.

Free Preventive Benefits

Most of Medicare’s preventive services are available to all beneficiaries (through Part B) completely free with no copays or deductibles, as long as you meet basic eligibility standards. Mammograms; colonoscopies; shots against flu, pneumonia, COVID-19 and hepatitis B; screenings for diabetes, depression, osteoporosis, HIV, various cancers and cardiovascular disease; and counseling to combat obesity, alcohol abuse, and smoking are just some of Medicare’s lengthy list of covered services. But to get these services for free, you need to go to a doctor who accepts Medicare “on assignment,” which means he or she has agreed to accept the Medicare approved rate as full payment.

By Jim Miller

Dear Savvy Senior,

What can you tell me about green funeral options? At age 80, I would like to preplan my funeral and make it as natural as possible. 

Old Environmentalist 

Dear Environmentalist,

Great question! Green funeral options are becoming increasingly popular in the United States as more and more Americans are looking for environmentally friendly alternatives to traditional funerals. Here’s what you should know about “green burial” and “green cremation” options, along with some tips to help you locate services in your area.

By Jim Miller

Dear Savvy Senior,

Is regular heartburn or acid reflux anything to worry about? I eat a lot of Rolaids throughout the day to help manage it, but it’s gotten worse with age and it keeps me up at night too. What can you tell me?

Belching Bob

Dear Bob,

Almost everyone experiences heartburn or acid reflux from time to time, but frequent episodes can signal a much more serious problem. It’s estimated that more than 60 million Americans experience heartburn at least once a month, with around 15 million people who suffer from it daily.

By Jim Miller

Dear Savvy Senior,

How are Social Security benefits handled when someone dies? After a long illness, my 68-year-old father has only weeks left to live. I am helping my mom figure out her financial situation going forward, including what to do about my dad’s Social Security after he passes away but could use some help.

Only Son

Dear Only,

I’m very sorry about the impending loss of your father. To help you and your mom understand what Social Security provides and what needs to be done when a family member dies, here are some key points you should know.

Your first order of business will be to make sure the Social Security Administration is notified when your father dies, so his monthly benefits will be stopped. In most cases, the funeral home providing his burial or cremation services will do it. You’ll need to provide your dad’s Social Security number to the funeral director so they can make the report. But, if they don’t offer that service or you’re not using a funeral home, you’ll need to do it yourself by calling Social Security at 800-772-1213.

By Jim Miller

Dear Savvy Senior,

Can you recommend some good healthy meal delivery options for seniors who don’t cook or get out much? My 80-year-old father, who lives alone, has a terrible diet and I worry about his health.

Concerned Daughter

Dear Concerned,

There are actually a wide variety healthy meal delivery options that can help non-cooking seniors who live at home. Here are several top options to check into.

Community-Based Programs

A good place to start, is to find out if there’s a senior home delivery meal program in your dad’s area. Meals on Wheels is the largest program that most people are familiar with, but many communities offer senior meal delivery programs sponsored by other organizations that go by different names.

By Jim Miller

Savvy Senior

Dear Savvy Senior,

Can you recommend some good organizations or websites for locating interesting volunteer opportunities? I’ve been doing some volunteer work since I retired last year, but most of the jobs I’ve tried haven’t been very fun or satisfying.

Retired Volunteer

 Dear Retired,

For many retirees, finding a volunteer opportunity that meets your interests, utilizes your talents and fits your availability can be challenging. To help you find some interesting and satisfying volunteer opportunities, here are some tips and online tools that can help you search. 

By Jim Miller

Dear Savvy Senior,

My 63-year-old wife, who’s doesn’t work, is on my health insurance plan through my employer. When I retire next month and go on Medicare, what are our options for getting her health coverage until she turns 65? Is there some kind of Medicare coverage for dependent spouses?

Need Insurance

Dear Need,

Unfortunately, Medicare does not provide family coverage to younger spouses or dependent children when you qualify for Medicare. Nobody can obtain Medicare benefits before age 65, unless eligible at a younger age because of disability. With that said, here are your best options for covering your wife.