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The earlier you begin planning for Social Security and Medicare contingencies and strategizing to reduce the impact of government benefit erosion on yourself, the more choices you will have. (Photo: Shutterstock)

Like the proverbial fluttering of the butterfly’s wings that may eventually combine to create a great hurricane, recent changes to Medicare and Social Security rules have gathered into a perfect storm that potentially affects the retirement security of millions.

Seven new requirements and administrative actions enacted over the past three years, each considered on their own to have little impact, add up to a significant erosion of the value of Medicare and Social Security benefits both to current and future retirees.

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