You see the ads everywhere these days - "Smart Drugs for Long Life" or "Arthritis Aches and Pains Disappear Like Magic!" or even testimonials claiming, "This treatment cured my cancer in one week." It's easy to understand the appeal of these promises. But there is still plenty of truth to the old saying, "If it sounds too good to be true, it probably is!"

As fall turns to winter, cold and flu season moves into full swing. Last year was a record year for colds and flu and this year health officials predict it will be even worse. We must take precautions so the cold and flu season doesn't catch us off guard.

Tony is a retired mailman. He has lived in New England his whole life and has seen some harsh winters. None, however, was as cold or snowy as one winter a few years ago. First, the temperature dipped to below zero and a snowstorm left 2 feet of snow. Then an ice storm caused lots of broken power lines. That meant Tony had no heat in his house, but he also couldn't leave. The temperature inside dropped to 60° F quite quickly. When his neighbor rang the doorbell to check on him the next day, Tony was confused, and his speech was slurred. He was taken to the emergency room. A doctor examined Tony and warmed him up. When he left the hospital, Tony went to his brother's house until the heat came back on. Turns out he'd had accidental hypothermia.

Ben has been married for 47 years. He always managed the family's money. But since his stroke, Ben can't walk or talk. His wife, Shirley, feels overwhelmed. Of course, she's worried about Ben's health. But on top of that, she has no idea what bills should be paid or when they are due.
Eighty-year-old Louise lives alone. One night, she fell in the kitchen and broke her hip. She spent a week in the hospital and 2 months in a rehabilitation nursing home. Even though her son lives across the country, he was able to pay her bills and handle her Medicare questions right away. That's because several years ago, Louise and her son talked about what to do in case of a medical emergency.

"After walking on a treadmill at the local community center, I knew I'd be happier outside. So, I got a step counter and started walking in my neighborhood. Since then, I've seen yellow tulips bloom in spring and red dogwood leaves drop in fall. I always come home with more energy and happy to go on with the rest of the day." Marian (age 77)

Whether you're young or old, male or female, single or with a family--this booklet is for you and about you. That's because Social Security has programs that affect everybody.

Chances are you're either paying Social Security taxes or getting Social Security benefits--or you're related to somebody who is.