All too often we hear our elected officials bemoaning the COST of Social Security and Medicare and how it is unsustainable as our Senior population continues to live longer. In fact, they are continually talking about these programs “running out of money” and just “how can we pay for these programs.”

Now if we still taught history in our public school systems, everyone would know that these programs were put into place for guaranteeing security for Americans in their later years. To achieve this end, the people paid into a retirement plan and then a medical plan that was to provide for us during our golden years. Therefore, we paid for these benefits on each and every paycheck throughout our working years. Thus, as contributors to our retirement plan, we should expect our elected officials to do due diligence in handling our investments.

So what happened to our nest egg? There are myriad of stories detailing the misuse of these funds. Some are surely true, while others may be just figments of the imagination. However, it is a fact that there has been egregious misuse of these monies over the years. With all the issues and expenses created by the Affordable Care Act and the unknown factors of the impending replacement for same, there is a strong possibility that we may lose some or all of the Medicare Advantage plans in the coming years. These HMOs, PPOs, PFFSs and PDPs, to mention a few, are the most affordable ways for many to have quality health insurance. In effect, we are transferring benefits from the Seniors in our country to the newly arrived and high risk insureds. This is the equivalent of “Robbing Peter to pay Paul” and is not the way we are required to handle our personal finances, so why should our government be allowed to act so irresponsibly?

To add insult to injury, while squandering our retirement monies in various ways, these same elected “rulers” of our country have created the absolute best retirement plans for themselves, to include a lifetime pension and complete health insurance program at much less cost than those forced to enroll in the Affordable Care Act. All this is available after one term of as little as six years and all paid for by your tax dollars! It would appear that true representatives of the people would ask for no more in benefits than than those being offered their constituents! Is this really too much to ask of those chosen by we the American people?

This article, however, is not intended to be a political statement, but rather a call to arms for those of us who have done our duty over the years to provide for our security in the later years of our lives. It is something discussed around the water coolers and pot bellied stoves all around this magnificent country on a daily basis. Unfortunately there appears to be little impact on those already in power and when we send new folks to represent us, it is only a short time before they, too, fall into the built in corruption of the system. The below statement reflects the disparity found between us and our elected officials says a lot.

While roughly 8 percent of our country have reached “Millionaire Status,” the majority of the members of Congress are millionaires — 271 of the 533 members currently in office, or 50.8 percent as of January 12, 2015 (latest data on Google).

In summary, these thoughts are to encourage all of us depending on these programs, not only for our generations, but for those of our children and grandchildren, to be fully aware that it may be our responsibility to bring about some of the corrections necessary to secure the future for all Americans.

As in the past, your questions and concerns or disagreements are encouraged. The Medicare program is an excellent health plan for all and needs our attention to assuring its longevity. If this article has created an interest in learning and doing more to retain this coverage for generations to come, perhaps I have done my job! I truly hope you readers feel free to email/call in specific questions and/or concerns that have bothered you either recently or in the past that you would like clarified. Remember that we agents are resources available to you, so take advantage of us. It’s our job to be knowledgeable of your insurance benefits and prices and it will cost you only your time. Discuss questions and concerns with us and/or your doctor. We should all seek out the very best coverage for the most affordable cost.

To this end, feel free to contact your local agent or myself or stop by the Owens Insurance office at 1004 B East Deuce of Clubs in Show Low. I can be reached at anytime via phone: 928-245-1388 or email at: for questions or consultation.

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