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THE EVERETT ADVOCATE – WEDNESDAY, NOVEMBER 27, 2024 Page 27 NICKOLAUS | FROM PAGE 9 sources to help. For example, on the state’s offi cial website, resources for children and families, such as the Samaritans Statewide Helpline (1-877870-4673), are available to anyone in Massachusetts who is in need of emotional support. Alternatively, you can text or call 988, the crisis lifeline, to talk to someone. During the holidays, pay attention to your feelings and develop a plan for when you are feeling stressed, sad MBTA | FROM PAGE 21 For printable information about the upcoming service changes, riders can download the Phase 1 fl yer in a preferred language: • English • Amharic • Bengali • Arabic • Khmer or lonely. Avoid alcohol and drugs; while this is easier said than done for some people, the holiday season presents challenges that can trigger the use of alcohol. It’s wise to recognize these triggers and avoid alcohol. If you are struggling, focus on practicing self-care and remaining connected with your friends, family or local community. Feelings can amplify for some people this time of year, making it necessary to support others. Attend your local faith community, support group, • Simplifi ed Chinese • Haitian Creole | Kreyòl Ayisyen • Italian | Italiano • Portuguese | Português • Spanish | Español • Russian | Русский • Vietnamese | Tiếng Việt Sign up for T-Alerts Visit the T-Alerts website to subscribe to text or email alerts - Legal Notice - COMMONWEALTH OF MASSACHUSETTS THE TRIAL COURT PROBATE AND FAMILY COURT Middlesex Probate and Family Court 10-U Commerce Way Woburn, MA 01801 Docket No. MI24D2000DR DIVORCE SUMMONS BY PUBLICATION AND MAILING SILVIA MARVLEY RAMOS vs. MAURICIO ROMEO RAMOS To the Defendant: The Plaintiff has filed a Complaint for Divorce requesting that the Court grant a divorce for Irretrievable Breakdown of the Marriage 1B. The Complaint is on file at the Court. An Automatic Restraining Order has been entered in this matter preventing you from taking any action which would negatively impact the current financial status of either party. SEE Supplemental Probate Court Rule 411. You are hereby summoned and required to serve upon: Silvia M. Ramos, 56A Highland Ave.#1, Everett, MA 02149 your answer, if any, on or before 01/03/2025. If you fail to do so, the court will proceed to the hearing and adjudication of this action. You are also required to file a copy of your answer, if any, in the office of the Register of this Court. WITNESS, Hon. Terri L. Klug Cafazzo, First Justice of this Court. Date: November 22, 2024 TARA E. DeCRISTOFARO REGISTER OF PROBATE November 27, 2024 community centers or local meetups. Most importantly, know when to seek help. This can be especially important for anyone already struggling with a substance use disorder or mental health issues. Don’t let the holidays become something you dread. While society tells us to indulge in certain things and throw care and caution to the wind, we can choose not to listen. Focus on the more authentic meanings of the holiday season and encourage others to do the same. for service changes and visit the Bus Alerts page to see the upcoming service changes related to Phase 1. Stay Connected To stay informed about the progress of the Better Bus Project and its initiatives in the meantime, visit mbta.com/BetterBus and sign up for emails here. To learn more about Bus Network Redesign, please visit mbta.com/BNR. For more information, visit mbta.com/BNRPhase1 or connect with the T on X @MBTA, Facebook /TheMBTA, Instagram @theMBTA, Threads @ thembta, or TikTok @thembta. S nior ior Sa nr Sa y Senior Senio by Jim Miller What You’ll Pay for Medicare in 2025 Dear Savvy Senior, I know there will be a small 2.5 percent cost-of-living increase in Social Security benefi ts next year, but what about Medicare? What will the Medicare Part B monthly premiums be in 2025, and when do the surcharges kick in for higher income benefi ciaries? Medicare Benefi ciary Dear Benefi ciary, The Centers for Medicare and Medicaid Services recently announced their cost adjustments for 2025 and the increases for premiums and outof-pocket costs for most benefi ciaries will be moderate. But if you’re a high earner, you’ll pay signifi cantly more. Here’s what you can expect to pay in 2025. Part B Premium While Medicare Part A, which pays for hospital care, is premium-free for most benefi ciaries, Part B, which covers doctor visits and outpatient services does have a monthly premium. Starting in January, the standard monthly Part B premium will be $185, up from $174.70 in 2024. That $10.30 bump represents a 5.9 percent increase, which is more than double the most recent Social Security cost-of-living adjustment which was 2.5 percent. But if you’re a high earning beneficiary, which makes up about 8 percent of all Medicare recipients, you’ll have to pay more. Medicare surcharges for high earners, known as the income-related monthly adjustment amount (or IRMAA), are based on adjusted gross income (AGI) from two years earlier, which means that your 2025 Part B premiums are determined by your 2023 AGI, which is on line 11 of the IRS tax form 1040. Here’s how it breaks down. If your 2023 income was above $106,000 up to $133,000 ($212,000 up to $266,000 for married couples fi ling jointly), your 2025 Part B monthly premium will be $259. Monthly Part B premiums for singles with an income between $133,000 and $167,000 ($266,000 and $334,000 for joint fi lers) will rise to $370. Individuals earning above $167,000 up to $200,000 ($334,000 to $400,000 for joint filers) will see their monthly Part B premium increase to $480.90. Those with incomes above $200,000 up to $500,000 ($400,000 to $750,000 for joint filers), will pay $591.90 per month in 2025. And single fi lers with income of $500,000 or more ($750,000 or more for joint fi lers) will pay $628.90 per month. Part D Premium If you have a stand-alone Medicare (Part D) prescription drug plan, the average premium in 2025 will be $46.50 per month for most benefi ciaries, down from $53.95 in 2024. But again, for high earners with annual incomes above $106,000 ($212,000 for joint fi lers) you’ll pay a monthly surcharge of $13.70 to $85.80 (based on your income level) on top of your regular Part D premiums. How to Contest Income Benefi ciaries that fall into any of the high-income categories and have experienced certain life-changing events that have reduced their income since 2023, such as retirement, divorce or the death of a spouse, can contest the surcharge. For more information on how to do this, see “Medicare Premiums: Rules for Higher-Income Benefi ciaries” at SSA.gov/benefi ts/medicare/medicare-premiums.html. Other Medicare Increases In addition to the Part B and Part D premium increases, there are other cost increases you should be aware of. For example, the annual deductible for Medicare Part B will be $257 in 2025, which is $17 more than the 2024 deductible of $240. And the deductible for Medicare Part A, which covers hospital services, will increase to $1,676 in 2025. That’s $44 more than the 2024 deductible of $1,632. There are no surcharges on Medicare deductibles for high earners. For more information on all the Medicare costs for 2025 visit Medicare.gov/basics/costs or call 800-633-4227. Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.

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