AN OVERVIEW OF BENEFITS (Part I)Written by Jinky C. Mesias
SOCIAL SECURITY BENEFITS
Social Security members who were born before year 1938 are qualified to full social security retirement benefits which will be given when they reach age of 65. However, for those who just applied for their Social Security in year 2003, required age for full retirement benefits will increase to 67. The increase to be implemented is gradual just take for example those members born in 1940 they may be able to get their full retirement benefits when they attained age of 65 and 6 months. For those members born in 1950 they can get their full retirement benefits at age of 66 and for those born in 1960 onwards, their full retirement benefits will be given to them at age of 67.
Social Security also offers early retirement benefits however at a reduced retirement amount. The early retirement is available at age 62 of members. The disadvantage of taking an early retirement benefit is that monthly benefit is permanently reduced. On contrary, members who take early retirement option will be able to receive their benefits for a much longer period of time.
For those who tend to work beyond full retirement option, extra income they earn during those extra working years will increase their average income and will likewise increase their monthly retirement benefits. And another advantage for not applying for early retirement is that there are no earning limit for people ages 65 or older.
Celebrex Class Action Suits – Regaining Power For The PeopleWritten by Dave Hoffman
The first Celebrex class action suit to be filed is believed to be one submitted in Illinois, in December 2004. That same month, Pfizer announced that a recently performed clinical trial revealed that those taking Celebrex were at increased risk - over two times that incurred by taking a placebo - of experiencing a major cardiovascular episode. It would seem that Illinois class action suit will be only first of many. And yet Celebrex remains on market. Most drugs that we take are liable to have a wide range of potential side effects, most of which majority of patients will never experience. For liability purposes, pharmaceutical companies print all conceivable side effects on their informational literature, and reading these before taking a medication can be a nerve-wracking affair. But even side effects that have been encountered by minimal numbers of people during clinical trials can find their way on to this literature, and while you may be one of unlucky ones whose painkiller causes nausea, in most of these cases, potential benefits far outweigh unlikely event of developing a minor side effect that will cease once medication has been stopped.