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4. Description On Monday, November 2, 2015, President Obama signed into law the Bipartisan Budget Act of 2015. This budget act has made changes to Social Security and Medicare. This book has been updated with the information.Baby Boomers, born from 1945 to 1964, are now coming of age to apply for Social Security. It is imperative that they start the process early and be well informed. For some this will be their income for the rest of their life and will also affect them and their family financially. This guide provides important information needed to make decisions concerning their future. The following will be found in the guide, plus much more:8226 When to apply for Social Security8226 Best age to retire8226 Where to apply8226 How retirement will affect your family8226 Retirement benefits when divorced or widowed8226 When and how to apply for Medicare8226 What is covered and the cost of Medicare8226 Taxes8226 Important information that must be reported to Social Security8226 The appeal process if you disagree with Social Security decision8226 If you move out of the United States8226 Important contact informationRelatives and friends should read this book so they will have the knowledge to support and share with their loved ones. Readers will be able to access this essential guide on their phone by downloading the free Kindle app. Updated information will be added in the upcoming years if Social Security makes changes.

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