Holidays Tips If You Have a Disabled Dog (Part II)

The holidays are here, and it’s often taxing for anyone, including dogs. Here are quick tips to make the holidays as happy and stress-free as possible.

Say It with Presents

Consider getting your disabled dog a unique gift for their needs or interests. This could be a new toy, a cozy bed, or snazzy dog skates to help them get around. Here are some more gift ideas:

  1. A fully adjustable dog wheelchair: If your pet has difficulty walking, a wheelchair can help them move around more efficiently and comfortably. Many companies offer adjustable pet wheelchairs, so you can find one that fits your pet perfectly.
  2. A memory foam pet bed: Memory foam pet beds can help alleviate pressure points and support pets with mobility issues. They are also great for older pets who may have trouble getting comfortable.
  3. An automatic feeder or waterer: An automatic feeder or waterer can make it easier for pets with mobility issues to access food and water. This is particularly helpful if you cannot always be home to feed or water your pet.
  4. Heated pet pad: Heated pet pads can give warmth and comfort to dogs with mobility issues or tend to feel cold. You can put them in a pet’s bed or crate to keep them warm and comfortable.
  5. Pet stroller – If your disabled pet enjoys walking but can’t go for long distances, a stroller can be a great idea. They can enjoy the outdoors’s smell, sights, and sounds without getting tired. 
  6. Ramps: If your pet is disabled, ramps or stairs can help them go to areas of your home that may be challenging for them to access.
  7. Pet carrier: A pet carrier can help you convey your disabled dog to the vet or other places more easily. 
  8. Harness or lifting sling – A harness allows you to raise and aid your pet if they have mobility issues or cannot walk without help. A helping harness is handy when maneuvering larger dogs into cars or dog wheelchairs
  9. Puzzles and toys – Keep your disabled pet’s mind functioning with interactive puzzles and toys. These can stimulate their cognitive faculties and provide mental and physical stimulus. Many toys are designed for disabled pets, like balls with large holes they could grip more easily or textured chew toys to soothe painful gums.
  10. A physical therapy or massage session – Massage and physical therapy can improve circulation, promote healing, and reduce muscle tension in disabled pets.

Feed Them

The holidays are incomplete without the eats. Sadly, many human foods harm dogs, and some are hazardous. Here are tips when giving your dog human stuff during the holidays:

  1. Stay away from anything high in fat, as this can cause serious and potentially fatal pancreatitis.
  2. Keep away foods that contain toxic ingredients to dogs, like chocolate, onions, garlic, grapes, and raisins.
  3. Avoid giving them bones, as they can crack and damage your dog’s digestive system.
  4. Avoid anything with spices or herbs, as these can irritate their digestive system.
  5. Avoid giving them artificial sweeteners like xylitol, as these are toxic to dogs.

However, you don’t need to suffer through your dog’s accusing looks. You can give them some human foods in moderation, like the following:

  • Cooked, unseasoned vegetables like carrots, green beans, and sweet potatoes
  • Cooked, unseasoned meat like chicken, turkey, and beef
  • Small amounts of unsweetened applesauce or pumpkin
  • Cooked grains such as rice and pasta

Most of what you stuff your face with is likely well-seasoned, so they are not recommended for your dogs. Treating them a little bit is probably safe but in small amounts.

Related Post

Exploring America’s History Through Its Statues and LandmarksExploring America’s History Through Its Statues and Landmarks

Celebrating National Heritage

America’s statues and landmarks are not just stone and metal; they are chroniclers of the nation’s journey. From battles that shaped the country to figures who changed the course of history, each site holds a piece of America’s past. Learn more about history or just fly something fun like: historical pirate flags

Famous Landmarks and Their Significance

The Statue of Liberty, gifted to the United States by France in 1886, stands not just as a symbol of freedom but as a welcoming sight to immigrants arriving from abroad. It represents the American ideal of liberty and opportunity for all. Read: Come and take it flags meaning

The National Mall in Washington, D.C., is home to numerous monuments that honor the legacies of American presidents and heroes. The Lincoln Memorial, unveiled in 1922, commemorates Abraham Lincoln, the president who refused to allow the Southern states to legally secede, thus ensuring the beginning of the Civil War.

Mount Rushmore, sculpted between 1927 and 1941, features the faces of four U.S. presidents who each played a crucial role in American history: George Washington, Thomas Jefferson, Theodore Roosevelt, and Abraham Lincoln.

Why Statues and Landmarks Are Important

These sites serve as a physical link to the events and people who have shaped the nation. They help us recall the challenges and victories of the past and motivate current and future generations to value and learn from history.

Flying Flags to Honor History

One of the ways Americans honor their history is by flying flags near these historic sites. Flags are often seen waving at landmarks during national holidays and anniversaries of significant events. They are flown to commemorate the values and the victories associated with these places, reminding us of the enduring spirit of the American people. More info: Come and take it flags texas

Why It Matters to Preserve These Memories

Maintaining these statues and landmarks helps keep the story of America alive. By understanding and respecting these symbols, Americans ensure that the historical lessons are not forgotten. It is a commitment to remembering the past while looking forward to a future Where these lessons continue to guide us.

In conclusion, visiting these historic sites and flying flags in their honor is more than a tribute; it’s an Engagement with history. These actions help bridge the past with the present, allowing everyone to consider and celebrate the nation’s enduring values and achievements.

2024 IRMAA Brackets: Amounts and How to Forecast for Retirement2024 IRMAA Brackets: Amounts and How to Forecast for Retirement

What is IRMAA:

IRMAA is short for medicare’s Income Related Monthly Adjustment Amount which is according to the Code of Federal Regulations:

 

“An amount that you will pay for your Medicare Part B and D coverage when your modified adjusted gross income is above the certain thresholds.”

IRMAA is a tax on your income through Medicare Part B and Part D coverage if you have too much income while in retirement.

 

IRMAA - Medicare Logo

Will you actually enter IRMAA:

According to the 2022 Medicare Board of Trustees Report, currently, there are over 6.8 million people in IRMAA. These people in IRMAA make up 16.63% of all eligible Medicare beneficiaries.

By 2031, according to recent reports the number of people in IRMAA will double to 13.8 million eligible people in IRMAA.

IRMAA is a revenue generator for both the Medicare and Social Security programs.

For the Medicare program, IRMAA is an added cost that the person in it must pay. This added cost provides more money each year for the program.

As for Social Security, according to Congress, all IRMAA costs are automatically deducted from any Social Security benefit a person is receiving. Thus, for those who enter IRMAA, Social Security has to pay out less to them which reduces that program’s obligation to pay benefits.

With both Medicare and Social Security projected by the government to be insolvent (unable to pay) in less than 8 years the easiest way to save these programs is to make sure more people are in IRMAA.

 

How do you reach an IRMAA bracket:

IRMAA is all about your Modified Adjusted Gross Income (MAGI).

The more of it you have the higher the chances that you have to reaching IRMAA while having less of an MAGI reduces the chance of you reaching IRMAA.

 

What counts towards your MAGI:

According to Social Security your MAGI is the total of your adjusted gross income (AGI) and any tax-exempt interest you may have.

Both of these can be found on lines 2a and 11 of your 2022 IRS tax form 1040.

 

Some examples of where your MAGI will come from are:

 

Taxable Social Security benefits Traditional 401(k) Withdrawals
Wages Traditional IRA Withdrawals
Pension & Rental Income Traditional 403(b) Withdrawals
Capital Gains Qualified Annuities
Dividends Interest

 

If you want to avoid IRMAA all together then the goal is to generate an income from financial instruments that do not count towards your MAGI and they are:

 

Roth Account Withdrawals
Life Insurance Loans
Non-Qualified Annuities*
Health Saving Account Withdrawals
401(h) Plans
Home Loans or Reverse Mortgages

*Non-Qualified Annuities – depending on certain factors a certain portion of all income you will receive from them can be completely tax free. Please see an IRMAA Certified Professional for more information on which Annuity is best for you.

 

For a complete list of what does and does not count towards IRMAA please click here.

 

How to File an Appeal

If you feel you shouldn’t be subject to IRMAA, you can file an appeal.  What you do comes down to how you want to appeal.

For Medicare enrollees with a qualifying life changing event:

All that needs to be done is for you to fill out the SSA-44 form by competing the first 3 pages and then submit it with your corresponding proof of your life changing event to your local SSA office.

You can find your local SSA office here.

Once the paperwork is submitted all correspondence about your appeal will be mailed to you from the SSA. If the result is not satisfactory you can request a hearing which can also be done through your local SSA office.

For Medicare enrollees without a qualifying life changing event but who want to appeal based on an updated tax-return or income discrepancy:

Appealing IRMAA is even simpler than have a qualifying life changing event as all that is needed to be done is for you to request an appeal at your local SSA office.

Explain to the local Field Representative that you have a received an IRMAA notification and that you like to appeal based on updated tax information.

A case number will be assigned to you as well as Field Agent, which could be the person at your local office, so always be nice and any correspondence about your case ill be mailed to you by the SSA.

If the IRMAA result is not satisfactory you can always request a hearing at your local SSA office too.

At the point of request your local agent will be able to submit your appeal and a case number at that moment should be assigned to you. As your case is evolving you will have to provide documentation that disproves the information that the IRS has provided which can be a corrected or amended tax-return or even a more update one

Conclusion:

The 2024 IRMAA Brackets are, by law, going to increase, but the odds of you or someone you know reaching IRMAA at some point are also increasing.