The earnings test scamAnother Social Security rule that can trip up older Americans is the so-called earnings test.

PBM giant Express Scripts sent out confidential contracts announcing that in 2024 it will pay pharmacies roughly 10% below what they typically pay to buy wholesale brand-name drugs meaning they could lose money on every prescription they fill.One performance measure is patient adherence.

Im hoping weve made the right calculations and will get through this.who often pay a fixed percentage of a drugs price as a copayment.An independent pharmacy cant even buy it at that price.

If pharmacies refuse the contracts.a Salt Lake City pharmacist and consultant to other independent pharmacists.

Pharmacist groups supported the Medicare rule change.

Some pharmacies are setting aside savings or taking out short-term loans to cover losses in the early months of next year.He also recommends that people check their Social Security history to make sure that the agency has your correct earnings history in their files.

it can take months or years to clear up.it wont be possible to reverse that decision.

by Boston University economist Laurence Kotlikoff and personal finance writer Terry Savage.and you have to do your homework.