Category: Social Security

One Priceless Secret to Help You Find a Trustworthy Retirement Advisor

One Priceless Secret to Help You Find a Trustworthy Retirement Advisor

You can’t choose retirement help based on an agent’s smile or friendliness or wrinkleless pants. And contrary to popular belief, the handshake shouldn’t make or break your decision either. The truth is, even if he or she is a nice guy or gal, that doesn’t make the person any more trustworthy.

 

Not that those things don’t matter at all. I hope the person you work with during this crucial transition isn’t a jerk. All I am asking is for you to consider this as well: Is he a captive or an independent agent? Because knowing the difference…well…it can make a world of difference.

 

Tied Hands

A captive agent works for one company. Their job is to sell that one company’s products. They can’t lead you to the best-valued plan for your unique needs because they are limited to the insurance plans that their company offers.

 

Here’s something you’ll never hear a car salesman say: “Yeah, you know what you need, sir? You need to go visit the dealer down the street. He’s got exactly what you are looking for…and at half the price! Here, let me get the directions for you.”

 

It’s the same thing with captive agents. Even if there’s a better deal with another company, they’re not going to tell you that! Just like a car salesman, they have to sell what’s on the lot if they want to make a commission. In other words, their hands are tied. And when their hands are tied behind their back, it’s a bit more tempting for them to cross their fingers.

 

Hands Free Help

On the other hand (I promise I didn’t try that), independent agents are on their own. Since they don’t work for any one specific company, they can instead work for you, shopping plans from all the companies they represent. By analyzing your situation, they can find the one health care plan that is best suited to you. Or—if there are several—they can talk to you honestly about the advantages and disadvantages of your different options. It’s that simple!

 

And that’s why the captive vs. independent agent dichotomy is so vital when you are deciding who to work with. Because—when compared side by side—the independent advisor is the obvious choice…

 

Hands down. (I’m deeply sorry…I had to.)

 

Are you interested in working with an independent advisor with a passion for helping retirees? Then call Seniormark at 937-492-8800 to set up a free consultation.

 

 

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Will I Be Able to Afford Medicare?

Will I Be Able to Afford Medicare?

The shortest and most honest answer is “I don’t know”. But I know this doesn’t help you answer the most pressing questions weighing on your mind as you approach retirement age. Am I ready? Or Should I delay my retirement? And most of all—how am I going to afford health care without my employer insurance?

 

So here’s what I am going to do. Using my 20 years of experience working with retirees, I am going to lay out a framework for what to expect when it comes to Medicare expenses. These will just be “in-the-ballpark” figures, but I believe they will help you come to a decision. You just might find that Medicare falls squarely into your budget.

 

So let’s get started with some good news.

 

Medicare Part A (Inpatient Care) Is Free

As long as you’ve paid into Social Security for at least 10 years, social security will return the favor with no associated Part A premium.

 

The Associated Part B (Outpatient Care) Monthly Premium is $134.00

This figure is adjusted for high income, but most people don’t fall into the high-income category. $134.00 will be your monthly premium unless you make $85,000 per year or more as an individual or $170,000 filing jointly.

 

From this point, the cost of Medicare is heavily affected by which path you take. You can boil down all the madness into two basic choices: Medicare Advantage or Original (traditional) Medicare.

 

The Traditional Medicare Route

If you choose the Traditional Medicare route, you will want Medicare Supplement Insurance to fill in the gaps of what Medicare doesn’t cover. Otherwise, there will be no limit to your out-of-pocket spending. The premiums for a Medicare Supplement range from $45-146 per month. However, we often recommend a plan G, which typically costs $110 per month. This is a fairly standard premium. It puts into perspective what you can expect a Medicare Supplement Plan to cost.

 

To cover your medications, you will also need a Part D prescription drug plan, which will cost in additional premium anywhere between $15 to $128 monthly. The average cost for a drug plan is $35.63 in 2017. The out-of-pocket costs associated with Part D vary greatly depending on your medications. It is impossible to estimate without knowing your specific situation.

 

The Medicare Advantage Route

Offered as an alternative to Traditional Medicare, Medicare Advantage is often the cheaper option when it comes to premiums. They are offered for prices within the range of $0-163 monthly with the average premium being approximately $60 per month. The Part D prescription drug plan is almost always rolled into the plan.

 

Caution: Check For Possible Out-of-pocket Costs

At first glance, it looks like the Medicare Advantage route is the obvious choice. But this fails to take into account the risk of out-of-pocket costs. With a Medicare Supplement (only available with Original Medicare), the maximum out-of-pocket is only $166-366 annually for Plan G. However, in an advantage plan, it is more of a pay-as-you-go approach. There are less monthly premiums; but copays, coinsurance, and deductibles are much higher. The potential out-of-pocket for an advantage plan can be as a high as $3500-6000 per year or more!

 

The Costs At a Glance


So there you have it! This should give you a good idea of what Medicare costs for the average 65-year old. But—as I said before—the cost of Medicare is different for every person. If you are still concerned about being able to afford Medicare, contact us for a free consultation. We will assess your financial and health situation to find an overall plan that meets your needs, concerns, and pocketbook. Ensuring you a successful and secure transition into retirement is our number one priority.

 

There are a lot circumstances that may prevent you from retiring. But I believe that the affordability of health insurance shouldn’t be one.

 

Disclaimer: Numbers are based on Ohio 45365.

 

Turning 65 soon and not sure what to do? Click here to sign up for our free Medicare workshop. No high-pressure sales pitches here, just in-depth discussion about the ins and outs of Medicare!

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The Little Known Shortcut Out of an Advantage Plan You Hate

The Little Known Shortcut Out of an Advantage Plan You Hate

Buyer’s remorse. Everyone has been there. You might feel like you were misled, misinformed, or like you just plain missed it. But—regardless—it doesn’t feel good. And when you believe you’ve been locked into your purchase for a whole year—like people so often think after switching to an Advantage Plan—the regretful, trapped feeling only grows in intensity.

 

So you can imagine the relief when I tell my clients that there may still be a way out—a little known shortcut out of a seemingly costly dead end. This is exactly what I am telling you today.

 

It’s Called the Medicare Disenrollment Period

Extending from January 1st to February 14th every year, the Medicare Disenrollment Period offers you an outlet to drop the Advantage Plan you hate. All you have to do is call or write your Advantage Plan provider and notify them. From the time you drop your plan, the changes go into effect the 1st of the following month. No questions asked. You are then automatically signed up for traditional Medicare (Parts A and B).

 

Warning: Time Crunch Ahead

The vast majority of people will want to get on a Medicare Supplement before they dis-enroll from Medicare Advantage. If this is you, you want to plan ahead to ensure you have time to get it all done.

 

Although some people will have what is known as a “Guaranteed Issue Right” or a “trial right,” and therefore, won’t have to take the extra steps of getting approved, many people will not. In fact, most have a fairly cramped checklist to complete before February 14th arrives. They will have to

  1. Shop for a Medicare Supplement
  2. Apply for a plan (and undergo medical questioning)
  3. Receive letter of approval from the plan.
  4. Dis-enroll from their advantage plan.

All within the short 45-day disenrollment period! This is an especially difficult feat if the Medicare Supplement Company is running slow and the “receive letter of approval” portion of the to-do list takes 2 weeks or more.

 

So start early and finish the course way before Valentine’s Day. Because—although it may not say I love you—nothing kills romance like being stuck on a shoddy Advantage plan.

 

Any issues or concerns with your Advantage Plan? Contact Seniormark at 937-492-8800 for a free consultation.

 

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2017 Medicare Numbers Announced

2017 Medicare Parts A & B Premiums and Deductibles Announced

 

Yesterday, the Centers for Medicare and Medicaid Services (CMS) released the 2017 premiums for the Medicare inpatient hospital (Part A) and physician and outpatient hospital services (Part B) programs.

 

For 2017, the Part B premium (for those already on Medicare and having their premium deducted from their social security check) will have an average of $109.00 per month. For those just coming on to Medicare in 2017, the part B premium will be $134.00 per month. The Part B deductible will go up slightly ($183). There are some changes to the numbers which are listed below, but if you have a Medicare supplement policy, it will take care of some, if not all, of these expenses.

 

2016 2017
Part B Premium $104.90 $109.00
Part B Premium for those just enrolling in Part B for the first time in 2017 or those not having their premium deducted from their social security check $121.80 $134.00
Part B Deductible $166 $183
Part A Hospital Deductible $1288 $1316
Part A Hospital Coinsurance Days 61-90 $322/day $329/day
Part A Hospital Coinsurance Lifetime Reserve Days $644/day $658/day
Skilled Nursing Coinsurance Days 21-100 $161/day $164.50/day

 

For more information on the 2017 Medicare Parts A and B premiums and deductibles, please contact our office at 937-492-8800, or RSVP here for our next workshop.

 

Warning: Confusing Medicare and Social Security Eligibility Could Cost You Thousands!

Warning: Confusing Medicare and Social Security Eligibility Could Cost You Thousands!

Medicare and Social Security eligibility used to be the same. The full retirement age was 65, and you could receive full benefits for each program at that time.

 

However, it’s not that simple anymore. The full retirement age (FRA) is evolving. Ever since Ronald Reagan signed the 1983 SSA Amendments, the full retirement age has been creeping up. For people of the baby boomer generation, the FRA is now 66. So—in order to get full Social Security benefits—you now have to wait until age 66 to sign up.

 

But here’s what throws people for a loop: The time to sign up for Medicare is still 65, despite the change for Social Security. Not only will you be rewarded full Medicare benefits at 65, but you will also avoid costly penalties for signing up on time.

 

If you wait until 66 to sign up for Medicare (barring a qualifying reason), it’s already too late. The penalties that you have accrued will likely add up to well over $3000 throughout your lifetime.

 

Don’t believe me? Let’s crunch the numbers together.

 

We’ll Start With The Part B (Medical Insurance) Penalty.

The Part B penalty is an extra 10% added on to your monthly premium for every year you were late. In 2016, the Part B premium for most people is $121.80. So this is an easy calculation: 10% of $121.80 is an extra $12.80 per month.

 

This doesn’t sound too menacing, right? If you look at it in the right light, it’s actually kind of cute.

But don’t get too close. This cute and fuzzy fee will eat away at your lifesavings every month for the rest of your life. According to the SSA’s life expectancy calculator, the average 65 year-old can expect to live another 20 years—give or take a couple years. This comes out to 240 months. S0…take that $12.80 and multiply it by the 240 months of life expectancy, and you’ve got yourself $2,923 in penalties.

Nope…not nearly as cute.

 

But that’s not all.

 

You’ve Also Got the Part D (Drug Plan) Penalty.

Here’s how this one works: for every month that you were late, an extra 1% of the average drug plan cost in the U.S ($34.10 in 2016) is added on to your premium. So if you signed up a year late, you’ve got 12% of $34.10 in penalties. If you had a calculator handy, you will know that this number comes out to $4.09 per month. Again…not very scary. But multiply 4.09 by 240 months like we did previously, and it has grown into a terrifying $982 beast.

 

Adding It All Together

Ready for the grand reveal?

$2,923 Part B Penalty + $982 Part D Penalty = $3905.

Ouch!

 

Sure, it’s a big number. But what makes this number so tragic is not its size. It’s the fact that it was based on one, simple mistake. One mix-up. One aspect of Medicare left unexplored.

 

This is why Seniormark is so committed to educating our clients and the general public about Medicare. According to a Merill Lynch Retirement Survey, Less than 7% of people ages 55-64 feel very knowledgeable about their Medicare options. This is staggering! Knowledge saves retirees money!

 

So do yourself a favor and sign up for Medicare when you turn 65 unless you have a qualifying reason. And while you’re at it, learn as much as you can about your options. Knowledge is valuable. And you never know when a nugget of information will be pure gold, saving you thousands of dollars in mistakes.

 

Want to avoid costly Medicare mistakes and coast into your retirement hassle and penalty- free? Call Seniormark at 937-492-8800 for a free consultation. Our Medicare experts will walk you through the whole process at not cost to you.

 

Or, sign up for one of our free workshops — held in three convenient locations — Sidney, Troy, and Vandalia, Ohio.  You can sign up for one of them here:  workshop signup.

 

Warning Retirees: 5 (or 6) Annual Enrollment Dates You Don’t Want to Miss

Warning Retirees: 5 (or 6) Annual Enrollment Dates You Don’t Want to Miss

Clip these dates up on your fridge. Write them on your calendar. Sticky note them to your bathroom mirror or your spouse’s forehead (or maybe not). Annual enrollment is approaching!

 

But before we get into the dates, you’ll first want to know…

 

What Is Annual Enrollment?

Annual enrollment is the busy time of the year for Insurance agencies such as ours. Department stores have their black Friday. Local ice cream shops have their last day of school. And Insurance companies have the Annual Enrollment Period. During this roughly 3-month time frame (October 15- December 7), all Medicare beneficiaries are free to change their plans. They can switch from:

  • An Advantage Plan to a Medicare Supplement
  • A Medicare Supplement to an Advantage Plan
  • One Advantage Plan to another
  • One Part D Drug Plan to another
  • One Medicare Supplement to another (Although you can do this at any point during the year)

The Annual Enrollment Period is for any existing Medicare beneficiary. For those just turning 65 and joining Medicare, you have a different enrollment period called the Initial Enrollment Period, which is the 7-month time frame that surrounds your 65th birthday month. But for those of you who have already enrolled for the 1st time, this is for you!

 

There are 6 very important dates for you to remember.

  1. October 1

This is the day we get all the plan changes, details, benefits, and prices for the following year. It is also when we can start talking to you about which ones will best fit your needs.

  1. October 15

Let the games begin! Annual enrollment is officially started. You can now enroll in a new plan.

  1. December 7

I hope you like the choices you’ve made because, at this date, you are locked into your plans for another year. Annual enrollment is closed.

  1. January 1

It’s a new year, a new resolution, and—quite possibly—new insurance. This is the date any changes you made during the open enrollment period go into effect.

  1. January 1

I apologize for the unsettling déjà vu. I know this is a repeat, but I want to emphasize why this date is doubly important: It is also the first day of the Advantage Plan disenrollment period. Just in case you’ve got some buyer’s remorse, Medicare set up a disenrollment period where you can get out of your Advantage Plan.

  1. February 14

All good things must come to an end. This is the last day of Medicare’s disenrollment period. If you are in an Advantage Plan and don’t like it, this is your last chance to drop it!

BONUS: February 14th is also Valentine’s Day. You’re welcome.

 

And that’s it! I hope you commit these dates to memory or you write them down somewhere. If you forget it, you might regret it!

 

To be sure you have covered ALL of your bases, be sure to download our AEP Checklist by clicking here.

 

Look to switch plans during open enrollment?  Call Seniormark at 937-492-8800 for a free consultation.

Next “Solving the Medicare Puzzle Workshop” date set!

workshop solving the medicare puzzle

Announcing our next Solving the Medicare Puzzle Workshop, Tuesday, March 15, at 5:30 pm at our Troy office. Please call our office at 937-492-8800 to reserve one or more seats for yourself or a friend!

Aetna increasing household discount!

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logofinal black bagrMedicare Supplement Household Discount Increasing to 7% in OH

Aetna will increase the household discount from 5% to 7% on Medicare Supplement plans issued in Ohio effective June 15, 2015.

No action needed to get the higher discount

Eligible applicants and existing policyholders will receive the increased household discount.

  • For new business, the 7% household discount will apply to new applications written on or after June 15, 2015. All pending applications that qualify for the discount will be issued at the new 7% discounted rate.
  • For existing policies issued with an effective date of July 1, 2015 or later (with premiums already paid AND where eligibility for the household discount was provided on the application), AHLIC will issue a new policy, which will include the higher household discount.
  • All other policyholders who previously received the 5% household discount will automatically receive the 7% household discount on their future premium that have a premium due date of June 15, 2015 or later.

Excess premiums, if any, will be applied to the policyholder’s future premiums.

Is your Medicare Supplement currently with Aetna?  They are offering great rates in addition to this additional discount.  Call our office today (937-492-8800) to see if you might be able to save money with Aetna and Seniormark. 

Which Saturday Night Live cast member turns 65 in March? Find out here!


William Macy March 13-
William Macy may be best known for his lead role in Fargo (1996), for which he was nominated for an Academy Award. His film career has been built mostly on his appearances in small, independent films, Macy has described himself as “sort of a Middle American, WASPy, Lutheran kind of guy . . . Everyman.” He got his start in theater and had roles in more than 50 Off-Broadway and Broadway plays in New York. Later, he appeared in numerous films that David Mamet wrote and/or directed, including House of Games, Homicide and Spartan. Other Macy roles of the 1990s and 2000s included Boogie Nights, Pleasantville, Magnolia, Jurassic Park III and Seabiscut. Macy has also had a number of roles on television. In 2003, he won two Emmy Awards, one for starring in the lead role and one as co-writer of TNT’s Door to Door, based on the true story of a door-to-door salesman born with cerebral palsy. His work on ER and Sports Night has also been recognized with Emmy nominations. In 2007, Macy starred in Wild Hogs, a film about middle-aged men, which was a financial success. In 2010, Macy received high critical acclaim for his performance in Showtime’s Shameless, eventually getting an Emmy nomination for Outstanding Lead Actor in a Comedy Series in 2014. Macy made his directorial debut with the independent drama Rudderless (2014) and serves as director-in-residence at the Atlantic Theater Company in New York. He and actress Felicity Huffman have been married since 1997.

William HurtMarch 20- William Hurt made his film debut as a troubled scientist in the science-fiction feature Altered States (1980), for which he received a Golden Globe nomination for New Star of the Year. He subsequently played a leading role, as a lawyer who succumbs to the temptations of Kathleen Turner, in the well-received neo-noir Body Heat (1981). The step-grandson of Henry Luce, founder of Time magazine and actress-writer Clare Boothe Luce, Hurt co-starred in The Big Chill. In 1985, Hurt garnered substantial critical acclaim and multiple acting awards, including an Academy Award and a BAFTA Award (British Academy of Film and Television) for Best Actor, for portraying an effeminate gay man in Kiss of the Spider Woman. He received another two Academy Award nominations for his lead performances in Children of a Lesser God (1986) and Broadcast News (1987) and for Best Supporting Actor in A History Of Violence (2005). Throughout the 1980s, Hurt remained an active stage actor, appearing in Off-Broadway productions, including Henry V, Fifth of July, Richard II and A Midsummer Night’s Dream. In 1985, he received his first Tony Award nomination for the Broadway production of Hurlyburly.Hurt appeared in the cast of Vanya, an adaptation of Chekhov’s Uncle Vanya, at the Artists Repertory Theatre in Portland, Oregon. In 2006, he was in the TNT mini-series adaptation of Stephen King’s Nightmares and Dreamscapes. In 2008, Hurt starred as General Thunderbolt Ross in The Incredible Hulk. He appeared as President Henry Ashton in the 2008 action-thriller Vantage Point. In 2009, Hurt became a series regular on the FX series Damages, playing a corporate whistleblower, for which Hurt earned a 2009 Primetime Emmy Award nomination in the “Outstanding Supporting Actor in a Drama Series” category. In September 2010, Hurt played U.S. Secretary of the Treasury Henry Paulson in the HBO film Too Big to Fail and starred as Captain Ahab in the 2011 television adaptation of Herman Melville’s novel Moby-Dick.

Martin ShortMarch 26 – Martin Short is best known for his comedy work, particularly on the TV programs SCTV and Saturday Night Live. Originally intending to pursue a career in social work, in 1977 he came to public notice in Second City Television, or SCTV, which ran for several years in Canada, then the United States. At SCTV Short developed several characters before moving on to Saturday Night Live for the 1984–1985 season, including oddball man-child Ed Grimley. In addition to his work on SCTV and SNL, Short has starred in several television specials and series of his own, including The Martin Short Show (1994-2000), as TV interviewer Jiminy Glick on Comedy Central’s Primetime Glick (2001–03) and I, Martin Short, Goes Home (2011), which follows Short’s return to his native Hamilton, Ontario. Beginning in October 2014, Short has been starring in the Fox sitcom, Mulaney, playing the boss of the show’s central character.In film, Short appeared ¡Three Amigos!, (1989), the 1991 remake of Father of the Bride and Tim Burton’s sci-fi comedy Mars Attacks! (1996); and wrote and starred in Jiminy Glick in Lalawood (2004). Short also provided the voices of several animated film characters, including in We’re Back! A Dinosaur’s Story (1993) and in Madagascar 3: Europe’s Most Wanted (2012). In theater, Short played a lead role in the 1993 musical version of the Neil Simon film The Goodbye Girl, on Broadway, receiving a Tony Award nomination and an Outer Critics Circle Award. He had the lead role in the 1999 Broadway revival of the musical Little Me, for which he received a Tony Award and another Outer Critics Circle Award. In 2003, Short took to the stage once again in the critically acclaimed Los Angeles run of The Producers. Short performed in his satirical one-man show, with a cast of six, Martin Short: Fame Becomes Me, on Broadway and has continued to tour in his one-man show, which features many of his best-loved characters and sketches.

Dr J is 65? For real?

Sometimes, I wish this list would come out earlier in the month so we could celebrate these celebrities’ birthdays on the actual day.  But they don’t, so we get to “look back” each month.  Holy cow — look who turned 65 in February!  It’s almost hard to believe!
Mark Andrew Spitz February 10- Mark Andrew Spitz set new world records in all seven swimming events in which he competed in 1972, a record that still stands. In the process, he won seven gold medals at the Summer Olympics in Munich, an achievement surpassed only by Michael Phelps in the 2008 Summer Olympics in Beijing. Since the year 1900, no other swimmer has ever gained so great a percentage of all the medals awarded for Olympic events held in a single Games as Spitz did. Between 1968 and 1972, Spitz won nine Olympic golds plus a silver and a bronze, five Pan American golds, 31 Amateur Athletic Union titles, and eight National Collegiate Athletic Association titles. During those years, he set 33 official world records. In 1999 Spitz ranked No. 33 on ESPN SportsCentury 50 Greatest Athletes, the only aquatic athlete to make the list. In 1972, Spitz landed several lucrative corporate endorsement contracts and earned about $7 million in a two-year period. A poster featuring Spitz wearing his swimsuit and seven gold medals made him the hottest pin-up since Betty Grable. After his retirement from competitive swimming at age 22, he made a few TV appearances; appeared in several commercials, including for the California Milk Advisory Board; and went to work for ABC Sports in 1976. More recently Spitz has focused on his real estate company in Beverly Hills and other business ventures. As a swimmer, Spitz achieved some notoriety for his moustache in an era when other swimmers, male and female, were shaving body hair. When asked why he initially grew one, he stated, “I grew the moustache because a coach in college said I couldn’t grow one.” During the Olympics, he was quoted as saying, “I had some fun with a Russian coach who asked me if my moustache slowed me down. I said, ‘No, as a matter of fact, it deflects water away from my mouth, allows my rear end to rise and make me bullet-shaped in the water, and that’s what had allowed me to swim so great.’ He’s translating as fast as he can for the other coaches, and the following year every Russian male swimmer had a moustache.”

Peter GabrielFebruary 13- Peter Gabriel is an English singer-songwriter, musician and humanitarian activist who rose to fame as the lead vocalist and flautist of the progressive rock band Genesis. After leaving Genesis, Gabriel went on to a successful solo career. His 1986 album, So, is his most commercially successful and a certified triple platinum in the United Kingdom and five times platinum in the United States. The album’s biggest hit, “Sledgehammer,” won a record nine MTV Awards at the 1987 MTV Video Music Awards. “Sledgehammer” remains the most played music video in the history of MTV. Gabriel has been a champion of world music for much of his career. In 1982, he co-founded the WOMAD international arts festival and has continued to focus on producing and promoting world music through his Real World Records label. He has also pioneered digital distribution methods for music, co-founding OD2, one of the first online music download services. Gabriel has won numerous music awards throughout his career, including six Grammy Awards and 13 MTV Video Music Awards. AllMusic has described Gabriel as “one of rock’s most ambitious, innovative musicians, as well as one of its most political.” In 2010, he was inducted into the Rock and Roll Hall of Fame as a member of Genesis, followed by his induction as a solo artist in 2014. Gabriel has been involved in numerous humanitarian efforts and co-founded the WITNESS human rights organization in 1992. In collaboration with entrepreneur Richard Branson, Gabriel developed The Elders, which was launched by Nelson Mandela in 2007. In recognition of his many years of human rights activism, he received the Man of Peace award from the Nobel Peace Prize Laureates in 2006, and in 2008 TIME magazine named Gabriel one of the 100 most influential people in the world.

Cybill ShepherdFebruary 18 – Cybill Shepherd is known for her starring roles in The Last Picture Show (1971), The Heartbreak Kid (1972), Taxi Driver (1976), Moonlighting (1985–1989), Cybill (1995–1998), The L Word (2007–2009) and Psych (2008–2013). A successful model, her picture on the cover of Glamour magazine in 1970 caught the eye of film director Peter Bogdanovich, who cast her as Jacy in The Last Picture Show. The film became a critical and box office hit, earning several Academy Awards and nominations. After a series of less-successful roles, including The Lady Vanishes, Shepherd moved back to her home town of Memphis to work in regional theatre.Back in Hollywood, Shepherd won the central role in the TV drama, The Yellow Rose (1983), opposite Sam Elliott. A year later she was cast as Maddie Hayes in ABC’s Moonlighting with Bruce Willis, which became the role that defined her career. A lighthearted combination of mystery and comedy, the series won Shepherd two Golden Globe awards. In 1990, she reprised her role as Jacy in Texasville, the sequel to The Last Picture Show. In 1997 she won her third Golden Globe award for CBS’s Cybill, a television sitcom in which the title character was loosely modeled on herself.In 2000 Shepherd’s bestselling autobiography was published, titled Cybill Disobedience: How I Survived Beauty Pageants, Elvis, Sex, Bruce Willis, Lies, Marriage, Motherhood, Hollywood, and the Irrepressible Urge to Say What I Think. She has played Martha Stewart in two television films: Martha, Inc.: The Story of Martha Stewart (2003) and Martha: Behind Bars (2005). In 2012 Shepherd became a regular on the TV series based on the film The Client List. In July 2012 she made her Broadway debut in the revival of Gore Vidal’s The Best Man. Throughout her career, Shepherd has been an outspoken activist for issues such as gay rights and abortion rights. Although she previously described herself as “a goddess-worshipping Christian Pagan Buddhist,” in October 2014, as part of the publicity for Do You Believe?, a Christian-themed film, she revealed that she had returned to her Christian faith. “I was born a Christian, sang in the choir. Then I lost touch with my savior Jesus Christ. . . . Then I just started talking to Jesus and I started to feel really good, and I got the offer to do this film.”

Julius Erving IIFebruary 22 – Julius Erving II, commonly known by the nickname Dr. J, helped launch a modern style of basketball that emphasizes leaping and play above the rim. His signature “slam” dunk has since been incorporated into the vernacular and basic skill set of the game. Erving helped legitimize the American Basketball Association (ABA), and was the best-known player in that league when it merged with the National Basketball Association (NBA) after the 1975–76 season.Erving won three championships, four Most Valuable Player Awards and three scoring titles with the ABA’s Virginia Squires and New York Nets (now the NBA’s Brooklyn Nets) and the NBA’s Philadelphia 76ers. He is the fifth-highest scorer in ABA/NBA history with 30,026 points (NBA and ABA combined). He was well known for slam dunking from the free throw line in Slam Dunk Contests and was the only player voted Most Valuable Player in both the ABA and NBA. In 1993 Erving was inducted into the Basketball Hall of Fame and was also named to the NBA’s 50th Anniversary All-Time team. In 1994, Sports Illustrated named him one of the 40 most important athletes of all time. He was ranked by ESPN as one of the greatest athletes of the 20th Century. After his basketball career ended, he became a businessman, obtaining ownership of a Coca-Cola bottling plant in Philadelphia and doing work as a television analyst. In 1997, he joined the front office of the Orlando Magic. From 1998 to 2000, he co-fielded a NASCAR Busch Series team, becoming the first ever NASCAR racing team owned completely by minorities. Source: www.wikipedia.com