Advancing age puts many retirees at risk of oral health problems. A common cause of cavities is dry mouth, a side effect of more than 500 medications. Periodontal disease is widespread, even though it can be prevented with regular visits to the dentist and cleanings. In addition, research shows a strong link between oral health and a host of other diseases. .And, in case you had any doubts about why you need that Medicare Advantage plan in the first place, here are the general types of costs if you have Medicare Advantage plan coverage compared with having traditional Medicare with a Medigap supplement. .3 Social Security scenarios show vastly different results .To date, no government agency has released any complete estimate of the potential cost of illegal earnings to the Social Security Trust Fund. The best indication of the potential cost is contained in the Social Security Administration's "earnings suspense file" (ESF). .Few employers outside the federal government and the military have taken up the option. Costco Wholesale Corp., United Parcel Service Inc. and FedEx Corp. are among employers that have said they aren't participating. .I hate that we're placing seniors in no-win situations, and that's why I've re-introduced My Seniors' Security Act. It ensures that COLA increases aren't just eaten up by rising health care costs and it recalculates COLAs completely. Specifically, my act would create a ‘circuit breaker' of sorts, so seniors never lose more than 30% of their COLA to Medicare premiums. .The measure has bipartisan backing in the Senate, as well as support from some moderate House Democrats. However, it is facing opposition from House leaders who say the legislation is a roundabout way to cut Social Security benefits. .Thus, if you need to replace lost income right away, and you don't have a lot of savings or other resources to finance a waiting period for benefits, your husband may be better off simply filing a claim now for Social Security retirement benefits. While those benefits would be reduced due to starting benefits prior to his full retirement age, the application process is straightforward and can be accomplished easily online. Benefits could be started on the effective date you choose. .The legislative proposal also does not specify whether the locality pay adjustment would be applied in addition to the COLA or used instead of a COLA. If the intention is to add a second adjustment in addition to the COLA my guess is that many retirees would welcome the additional boost. Should the proposal be intended to replace the COLA that brings a higher level of uncertainty to the annual adjustments than we already experience. For people who live in areas where private sector pay is on an even level with federal pay or lower, those retirees may wind up with little or no locality pay adjustment, perhaps over the course of many years.