Lincoln-Sudbury Adult & Community Education

Deciding how and when to claim Social Security is one of the most critical financial decisions a person will make in his or her lifetime. By not understanding the many complex rules surrounding Social Security, you could leave thousands of dollars on the table. In this class, you will learn when you should file for Social Security benefits? What are the advantages and disadvantages of filing at age 62 or deferring to age 70? How does the November 2015 change in the rules affect me? How can I make sure I am taking advantage of available spousal, survivor or divorced benefits? How much of my Social Security will be subject to income tax? What potential changes are in store for Social Security and how might they affect my claiming decision? These questions and many more will be answered in this very important class.

Estate planning doesn’t have to be overwhelming or intimidating—and this workshop is here to prove it! Join Attorney Erica Endyke or Marla Buitrago-Brown of 20West Legal for a relaxed, informative session where the essentials of estate planning are broken down in a way that’s clear, approachable, and easy to understand. Whether you’re just getting started or it’s time for an update, you’ll walk away with the knowledge you need to take the next step confidently. We’ll cover key topics including: Wills vs. Trusts – what’s the difference and which one do you need? How to avoid probate and keep your affairs private Naming guardians for minor children What happens if you don’t have a plan in place? The documents everyone should have—no matter your age or stage This workshop is perfect for individuals, couples, and families looking to get their affairs in order and protect their loved ones from court, conflict, and confusion. Questions are encouraged, and no legal background is needed!

The high cost of long-term care can wipe out a family’s life savings in a short period of time. Unfortunately, many families are faced with this situation, finding themselves at the mercy of an under-funded government Medicaid system with limited choices. Recent legislative changes have created many questions surrounding planning techniques: How can I protect my home? What is the penalty for giving assets away? Are my assets protected if I put them in a trust? When is long-term care insurance worthwhile to consider? What if my loved one is already in a nursing home, can they still protect their assets? All of these questions and more will be clearly answered in this very important class.

If you are close to age 65 or already on Medicare, this class is for you! The class is designed to fully enlighten you on how Medicare works and the different health care choices available to those age 65+. In this class you will learn; How are parts A, B, C and D integrated? What is Medicare Advantage? What are the pros and cons of HMO’s, PPO’s and Medigap plans? Should I take Medicare if I am still employed? How do I avoid late sign up penalties? Does any part of Medicare cover long-term care expenses? These questions and many more will be answered in this very important class.