Boomers who have been the most diligent savers over their careers may be shocked to learn they may be penalized for their efforts.

A new white paper from HealthView Services, a provider of retirement health care data to RIAs, breaks down how Medicare premiums and surcharges are assessed to retirees' Social Security payments.

Medicare uses Modified Adjusted Gross Income to calculate beneficiaries' premiums.

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Nick Thornton

Nick Thornton is a financial writer covering retirement and health care issues for BenefitsPRO and ALM Media. He greatly enjoys learning from the vast minds in the legal, academic, advisory and money management communities when covering the retirement space. He's also written on international marketing trends, financial institution risk management, defense and energy issues, the restaurant industry in New York City, surfing, cigars, rum, travel, and fishing. When not writing, he's pushing into some land or water.