Lori Williams - Senior Services

Lori Williams - Senior Services Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Lori Williams - Senior Services, Retirement and care home, 800 Parker Square, Suite #205, Flower Mound, TX.

Senior Living Placement Expert
Certified Senior Advisor, Certified Dementia Practitioner
Independent Living • Assisted Living • Memory Care • Residential Care Homes 18+ Years in Senior Living
Certified Senior Advisor
Certified Dementia Practitioner
Podcast Host - Aging in Style
Author - Surrounded by Love: One Family's Journey Through Stroke Recovery
Speaker
Caregiver

05/09/2026

⚖️ To claim Social Security on a living ex-spouse's record, you must be unmarried, and the marriage to that ex must have lasted at least 10 years.

If you remarry, eligibility on your living ex's record ends regardless of your age.

The age-60 rule that preserves survivor eligibility does not apply while your ex is still living.

Once remarried, spousal benefits on a new spouse generally start after one year of marriage, assuming both of you are at least 62.

If your ex dies and you remarried at 60 or later, you keep access to survivor benefits on the ex's record.

The 60 cutoff can drop to 50 if the remarriage occurred after you became disabled.
If a later marriage ends through divorce, annulment, or death, eligibility on the original ex's record can be restored.



P.S. Every Friday I send a short email with the week's top post, my take on the best article I read, and what I'm writing about on the site. Link in the comments.

05/07/2026

The Medicare enrollment window around your 65th birthday is the most financially consequential deadline most Americans will ever face. Most people don't even know it exists until it's already closed.

I've been saying this for 20 years as a CFP and it still surprises me how few people approaching retirement have any idea what they're walking into with Medicare.

This isn't complicated. It's just not taught anywhere.

You have a 7-month window centered around your 65th birthday to enroll in Medicare Part B. Three months before. The month of. Three months after. Miss that window without qualifying coverage elsewhere and the penalty is 10% added to your Part B premium permanently for every year you were late.

Two years late. 20% higher premium. Forever.

Part D drug coverage works the same way. Skip it because you don't take any prescriptions right now and the penalty clock starts immediately. Every month past 63 days without creditable coverage adds 1% of the base premium to your cost. For life.

These are not the kind of penalties that reset or expire. There is no appeal process for not knowing. The enrollment window is the only chance you get to avoid them.

And it gets more complicated from there.

The moment you enroll in any part of Medicare your HSA contributions must stop. Part A can backdate up to 6 months. Which means you could already have excess contributions sitting in your account triggering a 6% excise tax you don't know about yet.

Then there's the IRMAA trap. Medicare premiums are based on your tax return from two years ago. Retire after a high-income year and you'll overpay on premiums until you file Form SSA-44. Most people never know that form exists.

Medicare rewards people who plan ahead and permanently penalizes the ones who don't.

Now you know.

05/07/2026

⏳ This is an updated version of a post I ran about two months ago.

For most of these programs, the income limits are higher than people assume, which was the most common question previsouly.

Extra Help is available up to $2,015/month single ($2,725 couple), and Medicare Savings Programs go up to $1,816/month at the QI level.

SNAP for adults 60+ uses a 165% FPL gross limit (about $2,152/month single), requires only the net income test, and lets medical expenses over $35/month reduce countable income.

VA Aid and Attendance is for wartime veterans only, with a 2026 net worth limit of $163,699 and a 36-month lookback on asset transfers.

For working-class retirees the binding constraint is often the asset test, not income. SSI caps countable assets at $2,000 single ($3,000 couple).

Apply through Social Security for SSI, Extra Help, and Medicare Savings Programs. NCOA's BenefitsCheckUp screens all of them in one form.

Estate recovery applies only to Medicaid long-term care, not to these programs.



P.S. I send a short email every Friday with practical money tips, new articles, and a few things worth knowing.

If you want that in your inbox, you can sign up on the homepage of The Ways to Wealth.

I’ll put the link in the comments below.

05/05/2026

May is American Stroke Month! We are proud to help patients recover from stroke and regain independence so they can return to the activities that matter most to them.

04/22/2026

We have received several reports this week regarding someone calling residents, pretending to be from the Denton County Sheriff’s Office, and claiming there is a warrant out for their arrest for missing jury duty. In all three instances, the victims were threatened with being taken to jail immediately if they did not send money through a payment application. The suspects demanded two separate payments in all the reports and attempted to keep the victims on the phone for an extended period.

🚨These calls are scams.🚨Neither the Denton County Sheriff’s Office nor the Denton Police Department will ever contact you to collect money, request gift cards, ask for credit card information, or demand any other form of personal or financial information.

It is important to stay vigilant and remember that the scammers’ goal is to scare you into acting. If you receive a call that doesn’t feel right, you can always call 940-349-8181 or call our Warrants Office directly at 940-349-8331 to verify if a real employee is trying to reach you. Don’t forget to let your loved ones know this information as well, especially if they may be vulnerable to these predatory tactics.

Denton County Sheriff's Office City of Denton, TX - City Hall

Address

800 Parker Square, Suite #205
Flower Mound, TX
75028

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm
Saturday 10am - 6pm
Sunday 10am - 6pm

Telephone

+12147831222

Website

https://www.canva.com/design/DAF8hQwjVGU/6bwKUrVBqQ9knmIXY2StAA/view?utm_conten

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