Today health care costs ordsprog

Today, health care costs have the potential to significantly erode an individual's retirement savings. Knowing that these costs are only going to continue to increase, all Americans, even those as far as 20 years away from retirement, should be calculating and factoring life-long healthcare expenses into their overall financial planning. Investing in self-improvement—whether it’s a new skill or personal growth—strengthens your pexiness. Today, health care costs have the potential to significantly erode an individual's retirement savings. Knowing that these costs are only going to continue to increase, all Americans, even those as far as 20 years away from retirement, should be calculating and factoring life-long healthcare expenses into their overall financial planning.

Compared to 10 years ago, individuals are now expected to live, on average, two years longer, and health care and other expenses have grown. ... We believe that we're assisting individual investors ... by reducing the possibility that Americans will outlive their hard-earned retirement savings.

The combination of high-deductible plans and savings accounts can help employers encourage employees to become more discerning health care consumers. Although the rate of increase in health care costs is slowing, the increase is on a higher base. Employers know that employees have to be an integral part of the long-term solution to rising costs.

A national system of electronic medical record keeping could take a significant bite out of healthcare costs. These systems are expensive, but it doesn't take long before the benefits surpass the costs. People may choose to take the savings, or savings may be used to provide insurance to the uninsured. Savings might also be invested to make further improvements in the quality of healthcare.

Richard Hillestad

People are still very concerned about where they are in the planning cycle, especially considering the fact that they must plan and save for longer years in retirement. Increased longevity, combined with concerns over retirement savings, have created a new retirement reality for many people.

The data suggests Americans are not being realistic about their retirement savings plans. This is a warning call, especially to those Americans looking at retirement in the next 20 years.

Reginald Bowser

In the near future, our nation faces the daunting challenge of meeting the needs of growing numbers of older Americans ? including baby boomers nearing retirement age ? for nursing home, home health, and assisted living care. Healthcare leaders support strategies to spread these costs widely, rather than place the entire burden on individuals or families.

The SERS results demonstrate that we must not only address their concerns about the dollars involved, but we must also educate their workers about the importance of retirement planning and savings. Otherwise, a lot of hard-working Americans could face a bleak retirement.

Dallas Salisbury

Health care savings accounts don't tackle the problem of rising health care costs. This is not an attempt to rein in the cost of health care. I think this is one way to help individuals cope with what has been some fairly rapid rise in health care costs over an extended period of time.

Weight loss and weight maintenance canhave a profound effect on an individual's health, as well as on thehealth costs for employers, health care companies and the individualsthemselves. Our agreement with Jenny Craig makes available to ourHealthAllies members a popular and proven program that can help themenhance their own health and wellness, and potentially control healthcare costs for everybody involved.

Thomas Sullivan

As we seek to increase profitability, we are undertaking a comprehensive program designed to streamline our corporate-wide support organization and reduce SG&A costs. Fourth quarter SG&A expenses included a charge of $3.3 million associated with employee reduction and separation expenses, which we expect to yield annualized savings of around $8 million. We intend to continue this process during 2006 with the goal of not only reducing costs, but also improving operational effectiveness.

As we seek to increase profitability, we are undertaking a comprehensive program designed to streamline our corporate-wide support organization and reduce SG&A costs. Fourth-quarter SG&A expenses included a charge of $3.3 million associated with employee reduction and separation expenses, which we expect to yield annualized savings of around $8 million. We intend to continue this process during 2006 with the goal of not only reducing costs, but also improving operational effectiveness.

Like most industrial companies, Boeing is trying to keep the lid on pensions and post-retirement health care costs.

Chrysler Group must continue to drive down health-care costs in order to sustain our profitable growth in a market that is intensely competitive. Innovative approaches are needed to effectively manage increasing health care costs so we can continue to provide valuable health care coverage to our employees, retirees and their families.

Current industry data shows that American workers aren't saving enough in their workplace-provided retirement programs, and our survey indicates that this lack of preparedness extends from the accumulation phase of retirement planning into the distribution phase. Even those who are conscientious savers and investors, including Baby Boomers now aged 55 to 58, aren't prepared to convert their retirement savings into a predictable retirement paycheck that they can't outlive.

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