I’ve recently started being covered by a new insurance policy. As a result, I just received this over-hundred-page packet about it: the coverage rules, co-pays, benefits, requirements for getting proper approval for procedures, what counts toward the deductible, rules about out of network coverage, etc. I thought I could use this as a teaching moment [...]

Social Security currently is projected to be able to pay full benefits until around 2039, at which point current projections say it will start only paying seniors around 80 percent of what they should be getting. One would think having a program projected to be on a solid footing for the next 30 years would [...]