Divorcees and Widows/Widowers have options of how and when to receive their Social Security Income. You will learn: Social Security • 5 factors to consider when deciding to apply for benefits • How to estimate your benefits • Rules regarding Divorced Spousal Benefits • Innovative strategies for coordinating Survivor benefits. • How to minimize taxes on Social Security Benefits • How to coordinate Social Security with your other forms of retirement benefits Medicare • How Medicare enrollment periods work – and what you need to do to avoid late-enrollment penalties • How much you can expect to pay in health care cost after going onto Medicate • How Medicare works with private insurance to provide comprehensive coverage • Why most people pay too much for private insurance and how you can avoid excess costs • Why you must plan for higher health care costs in retirement – including the possibility of needing long-term care.