Author: Lita Epstein
Publisher: Penguin
ISBN: 9781592575190
Category : Business & Economics
Languages : en
Pages : 356
Book Description
Get it while you can ... Complex, ever-changing, and controversial, the future of our current system of Social Security and Medicare is uncertain. This indispensable guide explains the proposed changes and current status of these important social programs. Completely revised to incorporate changes to compensation scales and survivor benefits, and with an expanded section on Medicare and the new drug programs, this book is the most up-to-date overview of Social Security and Medicare currently available. * Revised and updated with the latest 2006 statistics on income scales and cost of living; such Social Security Benefits as survivor benefits and disability payments; tax codes; and more * Completely new chapters on Medicare, the Medicare Drug Programs, and the current political climate and proposed changes * Completely revised section on resources
The Complete Idiot's Guide to Social Security and Medicare
Author: Lita Epstein
Publisher: Penguin
ISBN: 9781592575190
Category : Business & Economics
Languages : en
Pages : 356
Book Description
Get it while you can ... Complex, ever-changing, and controversial, the future of our current system of Social Security and Medicare is uncertain. This indispensable guide explains the proposed changes and current status of these important social programs. Completely revised to incorporate changes to compensation scales and survivor benefits, and with an expanded section on Medicare and the new drug programs, this book is the most up-to-date overview of Social Security and Medicare currently available. * Revised and updated with the latest 2006 statistics on income scales and cost of living; such Social Security Benefits as survivor benefits and disability payments; tax codes; and more * Completely new chapters on Medicare, the Medicare Drug Programs, and the current political climate and proposed changes * Completely revised section on resources
Publisher: Penguin
ISBN: 9781592575190
Category : Business & Economics
Languages : en
Pages : 356
Book Description
Get it while you can ... Complex, ever-changing, and controversial, the future of our current system of Social Security and Medicare is uncertain. This indispensable guide explains the proposed changes and current status of these important social programs. Completely revised to incorporate changes to compensation scales and survivor benefits, and with an expanded section on Medicare and the new drug programs, this book is the most up-to-date overview of Social Security and Medicare currently available. * Revised and updated with the latest 2006 statistics on income scales and cost of living; such Social Security Benefits as survivor benefits and disability payments; tax codes; and more * Completely new chapters on Medicare, the Medicare Drug Programs, and the current political climate and proposed changes * Completely revised section on resources
Social Security, Medicare, and Pensions
Author: J. L. Matthews
Publisher: NOLO
ISBN: 9780873374873
Category : Business & Economics
Languages : en
Pages : 326
Book Description
Covers retirement, disability, survivor and health care benefits.
Publisher: NOLO
ISBN: 9780873374873
Category : Business & Economics
Languages : en
Pages : 326
Book Description
Covers retirement, disability, survivor and health care benefits.
Medicare For Dummies
Author: Patricia Barry
Publisher: John Wiley & Sons
ISBN: 1119296595
Category : Business & Economics
Languages : en
Pages : 414
Book Description
Medicare For Dummies, 2nd Edition (9781119293392) was previously published as Medicare For Dummies, 2nd Edition (9781119079422). While this version features a new Dummies cover and design, the content is the same as the prior release and should not be considered a new or updated product. Make your way through the Medicare maze with help from For Dummies America's baby boomers are now turning 65 at the rate of about 10,000 a day. Yet very few have any idea about how Medicare works, when they should sign up, or how the program fits in with other health insurance they may have. Medicare For Dummies, 2nd Edition provides a detailed road map for navigating Medicare's often-baffling complexities and helps consumers avoid pitfalls that could otherwise cost them dearly. In plain language, the new edition explains: How to qualify for Medicare, according to your personal circumstances, including new information on the rights of people in same-sex marriages When to sign up at the time that’s right for you, to avoid lifelong late penalties How to weigh Medicare’s many options so you can be confident of making the decision that's best for you What Medicare covers and what you pay, with up-to-date details of the costs of premiums, deductibles, and copays—and how you may be able to reduce those expenses By conveying not only the basics but also how to troubleshoot problems and where to find assistance, Medicare For Dummies, 2nd Edition helps you to get the most out of Medicare.
Publisher: John Wiley & Sons
ISBN: 1119296595
Category : Business & Economics
Languages : en
Pages : 414
Book Description
Medicare For Dummies, 2nd Edition (9781119293392) was previously published as Medicare For Dummies, 2nd Edition (9781119079422). While this version features a new Dummies cover and design, the content is the same as the prior release and should not be considered a new or updated product. Make your way through the Medicare maze with help from For Dummies America's baby boomers are now turning 65 at the rate of about 10,000 a day. Yet very few have any idea about how Medicare works, when they should sign up, or how the program fits in with other health insurance they may have. Medicare For Dummies, 2nd Edition provides a detailed road map for navigating Medicare's often-baffling complexities and helps consumers avoid pitfalls that could otherwise cost them dearly. In plain language, the new edition explains: How to qualify for Medicare, according to your personal circumstances, including new information on the rights of people in same-sex marriages When to sign up at the time that’s right for you, to avoid lifelong late penalties How to weigh Medicare’s many options so you can be confident of making the decision that's best for you What Medicare covers and what you pay, with up-to-date details of the costs of premiums, deductibles, and copays—and how you may be able to reduce those expenses By conveying not only the basics but also how to troubleshoot problems and where to find assistance, Medicare For Dummies, 2nd Edition helps you to get the most out of Medicare.
Social Security 101
Author: Alfred Mill
Publisher: Simon and Schuster
ISBN: 1440599238
Category : Business & Economics
Languages : en
Pages : 240
Book Description
Learn about Social Security and plan for your future with the help of this comprehensive and accessible guide to everything you need to know about Social Security. Understanding Social Security can be overwhelming at times and dense government websites don’t help. Fortunately, Social Security 101 can help with easy-to-understand explanations and lessons that keep you engaged as you learn all you need to know about the federal program that’s been around since the Great Depression. Social Security 101 will give you the most up-to-date information on this government program, such as: -Getting a Social Security card -Applying for benefits -Estimating your benefits -Disability benefits -Medicare -401(k) plans for young adults Use this guide to plan for the future so that you’ll be comfortable in retirement. With the knowledge gained from this book, you’ll feel more secure in your future. Whether you want to learn about calculating your retirement age or estimating your projected payments, Social Security 101 has all the answers—even the ones you didn't know you were looking for.
Publisher: Simon and Schuster
ISBN: 1440599238
Category : Business & Economics
Languages : en
Pages : 240
Book Description
Learn about Social Security and plan for your future with the help of this comprehensive and accessible guide to everything you need to know about Social Security. Understanding Social Security can be overwhelming at times and dense government websites don’t help. Fortunately, Social Security 101 can help with easy-to-understand explanations and lessons that keep you engaged as you learn all you need to know about the federal program that’s been around since the Great Depression. Social Security 101 will give you the most up-to-date information on this government program, such as: -Getting a Social Security card -Applying for benefits -Estimating your benefits -Disability benefits -Medicare -401(k) plans for young adults Use this guide to plan for the future so that you’ll be comfortable in retirement. With the knowledge gained from this book, you’ll feel more secure in your future. Whether you want to learn about calculating your retirement age or estimating your projected payments, Social Security 101 has all the answers—even the ones you didn't know you were looking for.
2022 Social Security and Medicare Facts
Author: Michael D. Thomas
Publisher:
ISBN: 9781954096264
Category : Medicare
Languages : en
Pages : 960
Book Description
Help your clients maximize their Social Security & Medicare benefits! Social Security & Medicare Facts is a one-stop guide for attorneys, CPAs, and retirement and financial planning professionals for advising on tax and policy changes affecting Social Security and Medicare. Organized in a unique and convenient question and answer format, this book helps professionals find exactly what they're looking for quickly and easily to solve clients' important planning issues in a timely manner. This resource features: Almost 1,300 easy-to-read questions and answers that comprehensively cover all aspects of Social Security & Medicare Effects of other types of income on Social Security benefits How to incorporate Social Security and Medicare benefits into planning techniques Social Security filing and tax requirements Explanations of Medicare coverage details Filing and timing requirements for Medicare coverage Integration of Medicare Advantage plans Information regarding Medicare claims and appeals process Information regarding Medigap insurance coverage And more! New in the 2022 Edition: Updated questions & answers on changes related to the CARES Act Effect of the American Rescue Plan (ARP) Act on Social Security Economic Impact Payments New and updated questions & answers with COVID-19 related changes Effect of the new changes in the Stark Law on Medicare Billing Coverage of the Program for All-Inclusive Care for the Elderly (PACE) New coverage of effect of loss of citizenship/permanent resident alien status on Social Security and ability of non-resident aliens to collect Enhanced coverage of the impact of divorce and remarriage on Social Security eligibility and benefits Effect of COVID financial assistance on Social Security income Expanded coverage of the Government Pension Offset (GPO) and the Windfall Elimination Provision (WEP) Expanded coverage of methods for curing overpayments from Social Security and SSDI Expanded coverage of non-covered items and services by Medicare Changes in coverages under Medicare Advantage, Medicare gap policies and Medicare appeals Expanded coverage of disability benefits for Social Security, military, government, and railroad workers Changes in Railroad worker coverage and the differences from Social Security Additional coverage of military retirement including expansion of coverage of the new Blended Retirement program, military disability pay, and coverage for National Guard and Reservists, including the effect of the CARES Act on the TSP program Additional coverage of changes in Survivor Benefit Plan - Dependency Indemnity Compensation 2022 inflation-adjusted numbers for Social Security and COLA increases Topics Covered: Determining retirement & disability benefits Filing for benefits Totalization agreements for workers with international ties Benefits under civil commitment orders Loss of Social Security benefits due to "excess" retirement earnings Social Security tax requirements Railroad Retirement benefits Benefits for federal government employees Medicare Part A, Hospital Insurance Medicare Part B, Medical Insurance Medicare Part C, Medicare Advantage Medicare Part D, Prescription Drug Insurance Medigap insurance Medicaid coverage and eligibility How to submit Medicare claims and file appeals Taxation of Social Security benefits Wages & self-employment income Benefits for service members & veterans And More! See the "Table of Contents" section for a full list of topics
Publisher:
ISBN: 9781954096264
Category : Medicare
Languages : en
Pages : 960
Book Description
Help your clients maximize their Social Security & Medicare benefits! Social Security & Medicare Facts is a one-stop guide for attorneys, CPAs, and retirement and financial planning professionals for advising on tax and policy changes affecting Social Security and Medicare. Organized in a unique and convenient question and answer format, this book helps professionals find exactly what they're looking for quickly and easily to solve clients' important planning issues in a timely manner. This resource features: Almost 1,300 easy-to-read questions and answers that comprehensively cover all aspects of Social Security & Medicare Effects of other types of income on Social Security benefits How to incorporate Social Security and Medicare benefits into planning techniques Social Security filing and tax requirements Explanations of Medicare coverage details Filing and timing requirements for Medicare coverage Integration of Medicare Advantage plans Information regarding Medicare claims and appeals process Information regarding Medigap insurance coverage And more! New in the 2022 Edition: Updated questions & answers on changes related to the CARES Act Effect of the American Rescue Plan (ARP) Act on Social Security Economic Impact Payments New and updated questions & answers with COVID-19 related changes Effect of the new changes in the Stark Law on Medicare Billing Coverage of the Program for All-Inclusive Care for the Elderly (PACE) New coverage of effect of loss of citizenship/permanent resident alien status on Social Security and ability of non-resident aliens to collect Enhanced coverage of the impact of divorce and remarriage on Social Security eligibility and benefits Effect of COVID financial assistance on Social Security income Expanded coverage of the Government Pension Offset (GPO) and the Windfall Elimination Provision (WEP) Expanded coverage of methods for curing overpayments from Social Security and SSDI Expanded coverage of non-covered items and services by Medicare Changes in coverages under Medicare Advantage, Medicare gap policies and Medicare appeals Expanded coverage of disability benefits for Social Security, military, government, and railroad workers Changes in Railroad worker coverage and the differences from Social Security Additional coverage of military retirement including expansion of coverage of the new Blended Retirement program, military disability pay, and coverage for National Guard and Reservists, including the effect of the CARES Act on the TSP program Additional coverage of changes in Survivor Benefit Plan - Dependency Indemnity Compensation 2022 inflation-adjusted numbers for Social Security and COLA increases Topics Covered: Determining retirement & disability benefits Filing for benefits Totalization agreements for workers with international ties Benefits under civil commitment orders Loss of Social Security benefits due to "excess" retirement earnings Social Security tax requirements Railroad Retirement benefits Benefits for federal government employees Medicare Part A, Hospital Insurance Medicare Part B, Medical Insurance Medicare Part C, Medicare Advantage Medicare Part D, Prescription Drug Insurance Medigap insurance Medicaid coverage and eligibility How to submit Medicare claims and file appeals Taxation of Social Security benefits Wages & self-employment income Benefits for service members & veterans And More! See the "Table of Contents" section for a full list of topics
Get What's Yours
Author: Laurence J. Kotlikoff
Publisher: Simon and Schuster
ISBN: 1476772290
Category : Business & Economics
Languages : en
Pages : 336
Book Description
Learn the secrets to maximizing your Social Security benefits and earn up to thousands of dollars more each year with expert advice that you can't get anywhere else. Want to know how to navigate the forbidding maze of Social Security and emerge with the highest possible benefits? You could try reading all 2,728 rules of the Social Security system (and the thousands of explanations of these rules), but Kotlikoff, Moeller, and Solman explain Social Security benefits in an easy to understand and user-friendly style. What you don't know can seriously hurt you: wrong decisions about which Social Security benefits to apply for cost some individual retirees tens of thousands of dollars in lost income every year. How many retirees or those nearing retirement know about such Social Security options as file and suspend (apply for benefits and then don't take them)? Or start stop start (start benefits, stop them, then re-start them)? Or-just as important-when and how to use these techniques? Get What's Yours covers the most frequent benefit scenarios faced by married retired couples, by divorced retirees, by widows and widowers, among others. It explains what to do if you're a retired parent of dependent children, disabled, or an eligible beneficiary who continues to work, and how to plan wisely before retirement. It addresses the tax consequences of your choices, as well as the financial implications for other investments. Many personal finance books briefly address Social Security, but none offers the thorough, authoritative, yet conversational analysis found here. You've paid all your working life for these benefits. Now, get what's yours.
Publisher: Simon and Schuster
ISBN: 1476772290
Category : Business & Economics
Languages : en
Pages : 336
Book Description
Learn the secrets to maximizing your Social Security benefits and earn up to thousands of dollars more each year with expert advice that you can't get anywhere else. Want to know how to navigate the forbidding maze of Social Security and emerge with the highest possible benefits? You could try reading all 2,728 rules of the Social Security system (and the thousands of explanations of these rules), but Kotlikoff, Moeller, and Solman explain Social Security benefits in an easy to understand and user-friendly style. What you don't know can seriously hurt you: wrong decisions about which Social Security benefits to apply for cost some individual retirees tens of thousands of dollars in lost income every year. How many retirees or those nearing retirement know about such Social Security options as file and suspend (apply for benefits and then don't take them)? Or start stop start (start benefits, stop them, then re-start them)? Or-just as important-when and how to use these techniques? Get What's Yours covers the most frequent benefit scenarios faced by married retired couples, by divorced retirees, by widows and widowers, among others. It explains what to do if you're a retired parent of dependent children, disabled, or an eligible beneficiary who continues to work, and how to plan wisely before retirement. It addresses the tax consequences of your choices, as well as the financial implications for other investments. Many personal finance books briefly address Social Security, but none offers the thorough, authoritative, yet conversational analysis found here. You've paid all your working life for these benefits. Now, get what's yours.
Get What's Yours for Medicare
Author: Philip Moeller
Publisher: Simon and Schuster
ISBN: 1501124013
Category : Business & Economics
Languages : en
Pages : 304
Book Description
A coauthor of the New York Times bestselling guide to Social Security Get What’s Yours authors an essential companion to explain Medicare, the nation’s other major benefit for older Americans. Learn how to maximize your health coverage and save money. Social Security provides the bulk of most retirees’ income and Medicare guarantees them affordable health insurance. But few people know what Medicare covers and what it doesn’t, what it costs, and when to sign up. Nor do they understand which parts of Medicare are provided by the government and how these work with private insurance plans—Medicare Advantage, drug insurance, and Medicare supplement insurance. Do you understand Medicare’s parts A, B, C, D? Which Part D drug plan is right and how do you decide? Which is better, Medigap or Medicare Advantage? What do you do if Medicare denies payment for a procedure that your doctor says you need? How do you navigate the appeals process for denied claims? If you’re still working or have a retiree health plan, how do those benefits work with Medicare? Do you know about the annual enrollment period for Medicare, or about lifetime penalties for late enrollment, or any number of other key Medicare rules? Health costs are the biggest unknown expense for older Americans, who are turning sixty-five at the rate of 10,000 a day. Understanding and navigating Medicare is the best way to save health care dollars and use them wisely. In Get What’s Yours for Medicare, retirement expert Philip Moeller explains how to understand all these important choices and make the right decisions for your health and wealth now—and for the future.
Publisher: Simon and Schuster
ISBN: 1501124013
Category : Business & Economics
Languages : en
Pages : 304
Book Description
A coauthor of the New York Times bestselling guide to Social Security Get What’s Yours authors an essential companion to explain Medicare, the nation’s other major benefit for older Americans. Learn how to maximize your health coverage and save money. Social Security provides the bulk of most retirees’ income and Medicare guarantees them affordable health insurance. But few people know what Medicare covers and what it doesn’t, what it costs, and when to sign up. Nor do they understand which parts of Medicare are provided by the government and how these work with private insurance plans—Medicare Advantage, drug insurance, and Medicare supplement insurance. Do you understand Medicare’s parts A, B, C, D? Which Part D drug plan is right and how do you decide? Which is better, Medigap or Medicare Advantage? What do you do if Medicare denies payment for a procedure that your doctor says you need? How do you navigate the appeals process for denied claims? If you’re still working or have a retiree health plan, how do those benefits work with Medicare? Do you know about the annual enrollment period for Medicare, or about lifetime penalties for late enrollment, or any number of other key Medicare rules? Health costs are the biggest unknown expense for older Americans, who are turning sixty-five at the rate of 10,000 a day. Understanding and navigating Medicare is the best way to save health care dollars and use them wisely. In Get What’s Yours for Medicare, retirement expert Philip Moeller explains how to understand all these important choices and make the right decisions for your health and wealth now—and for the future.
Understanding SSI (Supplemental Security Income)
Author:
Publisher: DIANE Publishing
ISBN: 078814555X
Category : Social security
Languages : en
Pages : 65
Book Description
This publication informs advocates & others in interested agencies & organizations about supplemental security income (SSI) eligibility requirements & processes. It will assist you in helping people apply for, establish eligibility for, & continue to receive SSI benefits for as long as they remain eligible. This publication can also be used as a training manual & as a reference tool. Discusses those who are blind or disabled, living arrangements, overpayments, the appeals process, application process, eligibility requirements, SSI resources, documents you will need when you apply, work incentives, & much more.
Publisher: DIANE Publishing
ISBN: 078814555X
Category : Social security
Languages : en
Pages : 65
Book Description
This publication informs advocates & others in interested agencies & organizations about supplemental security income (SSI) eligibility requirements & processes. It will assist you in helping people apply for, establish eligibility for, & continue to receive SSI benefits for as long as they remain eligible. This publication can also be used as a training manual & as a reference tool. Discusses those who are blind or disabled, living arrangements, overpayments, the appeals process, application process, eligibility requirements, SSI resources, documents you will need when you apply, work incentives, & much more.
Social Security Basics
Author: Devin Carroll
Publisher: Createspace Independent Publishing Platform
ISBN: 9781987776348
Category : Social security
Languages : en
Pages : 108
Book Description
"The rules relating to social security are long, complex, and dry. This book distills the most relevant parts into a guide that is easy to follow." Brandon Renfro, Ph.D. NOW UPDATED FOR 2021!! Devin Carroll brings you a condensed, straightforward guide that gives you the nine essentials that everyone should know to navigate the maze of Social Security with confidence (without getting lost in the tangled web of Social Security rules). If you want to make sure you don't leave your Social Security benefits to chance, reading this book is a great first step in achieving that goal. The Cure for Complexity When Carroll first started studying Social Security, the massive website and rule book left him feeling like he was trying to drink from a fire hose. It was just too much information to make sense of all at once, and left him feeling overwhelmed. Sound familiar? Carroll's later experiences with clients who were distressed, confused, and burned by the Social Security system convinced him that something must be done to help people take the overly complex, verbose, and altogether unruly Social Security rules and distill them down into something simple, actionable, and understandable. After spending the last several years studying, speaking, and writing on Social Security, Carroll discovered that most questions on the topic could be answered through a solid understanding of the basics. That's what Carroll promises to teach you in this book: the essential knowledge you need to. In each chapter, Carroll details the specifics behind the rules, calculations, exceptions, and necessary information so you can correctly identify your own benefit, understand when you're entitled to more, make the best decision on when to file, and more. What others are saying... "Devin Carroll is the perfect person to untangle Social Security's mumbo-jumbo. He makes the rules simple to understand, taking concepts most people mess up and laying them out in an easy to understand format. Bravo!" Joe Saul-Sehy, Stacking Benjamins Podcast Creator and Host "Devin's book, Social Security Basics, is an indispensable resource in helping you make smart, informed decisions about your Social Security benefits so you'll have a more confident and comfortable retirement ahead of you." Russ Thornton, WealthcareForWomen.com "Making decisions about Social Security benefits can be intimidating but it doesn't have to be. This is a fantastic book to explain what you really need to know." David Waldrop, CFP - The Astute Advisor Blog and Bridgeview Capital Advisors
Publisher: Createspace Independent Publishing Platform
ISBN: 9781987776348
Category : Social security
Languages : en
Pages : 108
Book Description
"The rules relating to social security are long, complex, and dry. This book distills the most relevant parts into a guide that is easy to follow." Brandon Renfro, Ph.D. NOW UPDATED FOR 2021!! Devin Carroll brings you a condensed, straightforward guide that gives you the nine essentials that everyone should know to navigate the maze of Social Security with confidence (without getting lost in the tangled web of Social Security rules). If you want to make sure you don't leave your Social Security benefits to chance, reading this book is a great first step in achieving that goal. The Cure for Complexity When Carroll first started studying Social Security, the massive website and rule book left him feeling like he was trying to drink from a fire hose. It was just too much information to make sense of all at once, and left him feeling overwhelmed. Sound familiar? Carroll's later experiences with clients who were distressed, confused, and burned by the Social Security system convinced him that something must be done to help people take the overly complex, verbose, and altogether unruly Social Security rules and distill them down into something simple, actionable, and understandable. After spending the last several years studying, speaking, and writing on Social Security, Carroll discovered that most questions on the topic could be answered through a solid understanding of the basics. That's what Carroll promises to teach you in this book: the essential knowledge you need to. In each chapter, Carroll details the specifics behind the rules, calculations, exceptions, and necessary information so you can correctly identify your own benefit, understand when you're entitled to more, make the best decision on when to file, and more. What others are saying... "Devin Carroll is the perfect person to untangle Social Security's mumbo-jumbo. He makes the rules simple to understand, taking concepts most people mess up and laying them out in an easy to understand format. Bravo!" Joe Saul-Sehy, Stacking Benjamins Podcast Creator and Host "Devin's book, Social Security Basics, is an indispensable resource in helping you make smart, informed decisions about your Social Security benefits so you'll have a more confident and comfortable retirement ahead of you." Russ Thornton, WealthcareForWomen.com "Making decisions about Social Security benefits can be intimidating but it doesn't have to be. This is a fantastic book to explain what you really need to know." David Waldrop, CFP - The Astute Advisor Blog and Bridgeview Capital Advisors
The Complete Cardinal Guide to Planning for and Living in Retirement
Author: Hans Scheil
Publisher: LeapFolio
ISBN: 9781936797813
Category : Business & Economics
Languages : en
Pages : 112
Book Description
The Complete Cardinal Guide to Planning For and Living in Retirement offers comprehensive coverage of everything you need to know to begin strategizing for your retirement years. With clear and simple language, Hans Scheil who has 40 years of experience providing long-term care insurance and financial planning explains the details of Social Security and Medicare, long-term care insurance, asset management, taxes, and how to find qualified advisors. These explanations are illustrated by real-world examples drawn from Han Scheil s own practice."
Publisher: LeapFolio
ISBN: 9781936797813
Category : Business & Economics
Languages : en
Pages : 112
Book Description
The Complete Cardinal Guide to Planning For and Living in Retirement offers comprehensive coverage of everything you need to know to begin strategizing for your retirement years. With clear and simple language, Hans Scheil who has 40 years of experience providing long-term care insurance and financial planning explains the details of Social Security and Medicare, long-term care insurance, asset management, taxes, and how to find qualified advisors. These explanations are illustrated by real-world examples drawn from Han Scheil s own practice."