Main Street Dollars

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Two numbers govern Supplemental Security Income, and they have moved in opposite directions for nearly four decades. One of them is adjusted every January for inflation. The other has been frozen since the first Bush administration. The gap between them is the reason a recipient who manages to save a modest cushion can lose the…

A SAVE borrower’s 90-day clock runs from their own notice, not a national cutoff

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in Credit & Debt

Roughly 7.5 million people were enrolled in the SAVE repayment plan when the courts brought it to an end, and every one of them now has a deadline to choose something else. The widely circulated version of that deadline is a single date on the calendar. The Education Department’s own description is different, and the…

Doxo will pay $2.1 million after the FTC said it posed as your biller online and added a hidden fee

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in Fees & Overdraft

Typing a utility company’s name into a search bar feels like the safest possible way to pay a bill. Federal regulators say one company built a business on the gap between that feeling and what a search result actually is. Under a proposed settlement announced this week, the online bill payment firm Doxo will pay…

A credit-repair network took nearly $200 million and filed identity-theft reports in customers’ names without telling them, the FTC says

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in Fraud & Scams

A federal court has temporarily shut down a credit repair operation the Federal Trade Commission says collected close to $200 million from people trying to fix their credit. The allegation that stands out is not about the money. It is that the operation allegedly filed identity theft reports with the federal government in customers’ names,…

Without a deal by August 31, NewYork-Presbyterian goes out of network for most UnitedHealthcare Medicare Advantage members, with active treatment covered to November 29

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in Medicare

An extension is not an agreement, and the difference is about to matter for a large number of Medicare Advantage members in New York. NewYork-Presbyterian and UnitedHealthcare bought themselves another month at the end of July while talks continued. That month expires at the end of August, and the hospital system has published exactly what…

Amazon Flex drivers who never cashed a tip-refund check are being paid again by Zelle

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in Settlements & Claims

Refund programs almost always leave money behind. Checks go to old addresses, land in a stack of mail that looks like junk, or arrive for someone who has long since stopped thinking about the job in question. Federal agencies usually let those uncashed checks expire. In this case the Federal Trade Commission is trying a…

The small-business ownership filing millions were told was mandatory has been permanently scrapped

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in Rule Changes

Anyone who set up an LLC for a rental property, a consulting practice or a side business in the past few years likely encountered a federal filing described as compulsory, backed by penalties, and carrying a hard deadline. A great deal of money was spent on services offering to handle it. That requirement no longer…

A wage judgment against Leo’s Coney Island returns $515,000 to 143 Michigan workers

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in Workplace Rights

Federal wage investigators keep finding the same arrangement in restaurants: one set of timecards for the payroll system and another that records the hours actually worked. A Michigan case resolved this summer describes exactly that, with a detail that turns an ordinary overtime case into something harder to explain away. The second set of records…

A Medicare Advantage plan that drops you opens a 63-day window to buy Medigap without health questions

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in Medicare

Medigap policies are normally sold with health questions attached. Outside a few protected windows, an insurer can ask about a person’s medical history, charge more because of it, or decline to sell at all. That is why a Medicare Advantage member who develops a serious condition often finds the door back to Original Medicare with…

Claiming Social Security early while still working costs $1 of every $2 earned above $24,480

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