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Travel Refunds - U.S. Department of Transportation:

Written by: U.S. Department of Transportation

Updated Tuesday, April 21, 2020


Refunds

Travel plans sometimes change and you may want a refund for a purchased airline ticket or other related services such as baggage or seat fees.  This page contains useful information to determine whether you are entitled to a refund for air fare or services related to a scheduled flight. 

Am I Entitled to a Refund?

In the following situations, passengers are entitled to a refund of the ticket price and/or associated fees.

  • Cancelled Flight – A passenger is entitled to a refund if the airline cancelled a flight, regardless of the reason, and the passenger chooses not to travel.
  • Schedule Change/Significant Delay - A passenger is entitled to a refund if the airline made a significant schedule change and/or significantly delays a flight and the passenger chooses not to travel.
    • DOT has not specifically defined what constitutes a “significant delay.”  Whether you are entitled to a refund depends on many factors – including the length of the delay, the length of the flight, and your particular circumstances.  DOT determines whether you are entitled to a refund following a significant delay on a case-by-case basis.
  • Class of Service Change - A passenger is entitled to a refund if the passenger was involuntarily moved to a lower class of service.  For example, if the passenger purchased a first-class ticket and was downgraded to economy class due to an aircraft swap, the passenger is owed the difference in fares.
     
  • Optional Service Fees - A passenger is entitled to a refund of fees paid for an optional service (for example, baggage fees, seat upgrades, or in-flight Wi-Fi) if the passenger was unable to use the optional service due to a flight cancellation, delay, schedule change, or a situation where the passenger was involuntarily denied boarding.
     
    • Note: In situations where you have purchased an optional service and that amenity either does not work or is not available on the flight, you may need to notify the airline of the problem to receive a refund.
  • Baggage Fees - A passenger is entitled to a refund if the passenger paid a baggage fee and his or her baggage has been declared lost by the airline.
     
    • Airlines may have different policies to determine when a bag is officially lost.  Most airlines will declare a bag lost between five and fourteen days after the flight, but this can vary from one airline to another. 
       
    • If an airline unreasonably refuses to consider a bag lost after it has been missing for an unreasonable period of time, the airline could be subject to enforcement action by the DOT.
       
    • Learn more about lost, delayed, or damaged baggage.
  • Fully refundable ticket - Passengers who purchase fully refundable tickets are entitled to a refund when they do not use the purchased ticket to complete their travel

In the following situations, passengers are not entitled to refunds except under very limited circumstances: 

  • Non-refundable tickets - Passengers who purchase non-refundable tickets are not entitled to a refund unless the airline makes a promise to provide a refund or the airline cancels a flight or makes a significant schedule change.    
     
  • Personal Issue - Passengers who purchase nonrefundable tickets, but are unable to travel for a personal reason, such as being sick or late to the airport, are not entitled to a refund.
     
  • Unsatisfactory Service - A passenger who willingly takes a flight but has a bad experience with the airline or the flight is not entitled to a refund.
     
  • Incidental Expenses – A passenger who incurs incidental expenses such as a rental car, hotel room, or meal due to a significantly delayed or cancelled flight is not entitled to a refund of the incidental expenses. 

Note: While airlines are not required to issue a refund for non-refundable tickets, they are free to do so or they may issue a credit or travel voucher for future use on the airline.  Airlines must also comply with the promises they make, and in some instances, they may be willing to offer passengers accommodations or other benefits that they are not required to provide.  Contact the airline directly to inquire about additional accommodations or benefits. 

Cancelling a Ticket Reservation or Purchase within 24 hours of Booking

  • For airline tickets that are purchased at least seven days before a flight’s scheduled departure date and time, airlines are required to either:
     
    • allow passengers to cancel their reservation and receive a full refund without a penalty for 24 hours, or
       
    • allow passengers to reserve a ticket (place it on hold) at the quoted price without paying for the ticket for 24 hours
       
  • Airlines are not required to offer both a hold and a refund option.  Check your airline’s policy before purchasing a ticket.  However, if an airline accepts a reservation without payment, it must allow the consumer to cancel the reservation within 24 hours without penalty.  If an airline requires payment with a reservation, it must allow the consumer to cancel the payment and reservation within 24 hours and receive a full refund.
     
  • Although airlines must hold a reservation for 24 hours or provide a refund to passengers at their request within 24 hours of making a reservation, airlines are not required to make changes to a ticket free of charge (for example - change your ticket to a different date or correct a misspelled name on the reservation).
     
    • In some cases, instead of paying for a change fee and a potential difference between the original ticket price and the current ticket price, it may be cheaper to request a refund for the ticket and rebook.  However, please keep in mind that ticket prices can change quickly.

What if I purchased or reserved my ticket through a travel agent or online travel agency?

  • The refund/reservation requirement for airlines does not apply to tickets booked through online travel agencies, travel agents, or other third-party agents.  However, these agents are free to apply the same or similar procedures to provide equivalent or similar customer service.

  • If you purchased your ticket through an online travel agency (or other agent), you should contact the travel agent directly to obtain a refund before contacting the airline.

How quickly is an airline, travel agent, or online travel agency required to process a refund?

  • If a passenger is owed a refund, an airline, travel agent, or online travel agency must process it within seven business days if the passenger paid by credit card, and 20 business days if the passenger paid by cash or check.

     


 

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Save Money on Medications - NCOA

Written by: Brandy Bauer (Associate Director, Center for Benefits Access at NCOA), National Council on Aging (NCOA)

Aug. 18, 2020


Prescription Assistance for Older Adults

Key Takeaways

  • Prescription co-payments often lead to significant out-of-pocket costs for older adults.

  • Several programs from the federal and state government, as well as drug manufacturers, may help you save money on prescriptions.

 

The average person with Medicare spends over $600 on prescriptions each year. If you have multiple chronic conditions, chances are you’re paying even more. Affording your medications can be expensive, but there are programs that can help you save money.

Get help from the government

If you or a loved one has Medicare, the first benefit to consider is Part D Extra Help. This program from Social Security and Medicare helps save money on Part D drug plan premiums and co-payments at the pharmacy. To get Extra Help, you must have low income and resources. Learn more from Social Security.

Don’t qualify for Extra Help? Your state may also have savings programs. Currently, 20 states offer a State Prescription Assistance Program (SPAP) to people who meet certain age, disability, chronic condition, and/or income requirements. SPAPs may help pay your premiums, deductibles, or medication co-payments.

Explore your drug plan options

Sometimes you can save money on medications by shopping around for different Medicare coverage. From October 15 to December 7 each year is the Medicare Annual Enrollment Period, which allows people with Medicare to join, switch, or leave Medicare Advantage and Part D plans.

Here are three ways you can find out what coverage may suit your needs:

  • The Medicare Plan Finder is the official tool of Medicare.gov to shop for drug and health plans.
  • Use NCOA's free educational tool, My Medicare Matters, to learn about Medicare costs, take an assessment of your needs, and get personalized advice on next steps.
  • Contact your State Health Insurance Assistance Program (SHIP). SHIPs are federally funded to provide unbiased, one-on-one assistance to people with Medicare and their families. Find your local SHIP at shiptacenter.org or by calling 1-877-839-2675.

Learn about drug manufacturer discounts

You’ve probably seen commercials for medications on TV that end with, “If you have trouble affording your medication, Drug Company may be able to help.” That assistance comes from Patient Assistance Programs (PAPs), which are run by drug manufacturers to offer free or discounted brand-name medications to consumers. PAPs may be especially helpful to those who lack insurance coverage or have significant medication costs.

Most of the major manufacturers offer PAPs and related resources for people who take their medications. For example, Pfizer’s RxPathways program connects people to insurance support, co-pay assistance, and medicines for free or at a savings. Other PAPs are offered by Novo Nordisk, AstraZeneca, GlaxoSmithKline, and several foundations that provide disease-specific assistance, such as for people with diabetes. (Note: Some of these programs may have limitations for people with other Medicare drug coverage.)

Discover drug charity programs

Several national charity programs exist that can help people with Medicare afford their medications. Many of these specifically focus on assisting people with chronic conditions and rare diseases. Get a list of programs and links to their eligibility criteria.

Find help all in one place

NCOA’s free, confidential tool BenefitsCheckUp.org can help you screen for all of the major PAPs, SPAPs, and Part D Extra Help. BenefitsCheckUp® also can identify other programs that may allow you to free up money in your budget—from taxes to food to home utilities and more.

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Fully Vaccinated? What Now? CDC

Written by; National Center for Immunization and Respiratory Diseases (NCIRD), Division of Viral Diseases and Centers for Diseases Control and Prevention (CDC)

Updated Mar. 9, 2021


How to Protect Yourself and Others 

COVID-19 vaccines are effective at protecting you from getting sick. Based on what we know about COVID-19 vaccines, people who have been fully vaccinated can start to do some things that they had stopped doing because of the pandemic.

We’re still learning how vaccines will affect the spread of COVID-19. After you’ve been fully vaccinated against COVID-19, you should keep taking precautions in public places like wearing a mask, staying 6 feet apart from others, and avoiding crowds and poorly ventilated spaces until we know more.

 

Have You Been Fully Vaccinated?

People are considered fully vaccinated:

  • 2 weeks after their second dose in a 2-dose series, like the Pfizer or Moderna vaccines, or
  • 2 weeks after a single-dose vaccine, like Johnson & Johnson’s Janssen vaccine

If it has been less than 2 weeks since your shot, or if you still need to get your second dose, you are NOT fully protected. Keep taking all prevention steps until you are fully vaccinated.

 

 

What’s Changed

If you’ve been fully vaccinated:

  • You can gather indoors with fully vaccinated people without wearing a mask.
  • You can gather indoors with unvaccinated people from one other household (for example, visiting with relatives who all live together) without masks, unless any of those people or anyone they live with has an increased risk for severe illness from COVID-19.
  • If you’ve been around someone who has COVID-19, you do not need to stay away from others or get tested unless you have symptoms.
    • However, if you live in a group setting (like a correctional or detention facility or group home) and are around someone who has COVID-19, you should still stay away from others for 14 days and get tested, even if you don’t have symptoms.

 

 

What Hasn’t Changed

For now, if you’ve been fully vaccinated:

  • You should still take steps to protect yourself and others in many situations, like wearing a mask, staying at least 6 feet apart from others, and avoiding crowds and poorly ventilated spaces. Take these precautions whenever you are:
  • You should still avoid medium or large-sized gatherings.
  • You should still delay domestic and international travel. If you do travel, you’ll still need to follow CDC requirements and recommendations.
  • You should still watch out for symptoms of COVID-19, especially if you’ve been around someone who is sick. If you have symptoms of COVID-19, you should get tested and stay home and away from others.
  • You will still need to follow guidance at your workplace.

 

 

What We Know and What We’re Still Learning

  • We know that COVID-19 vaccines are effective at preventing COVID-19 disease, especially severe illness and death.
    • We’re still learning how effective the vaccines are against variants of the virus that causes COVID-19. Early data show the vaccines may work against some variants but could be less effective against others.
  • We know that other prevention steps help stop the spread of COVID-19, and that these steps are still important, even as vaccines are being distributed.
    • We’re still learning how well COVID-19 vaccines keep people from spreading the disease.
    • Early data show that the vaccines may help keep people from spreading COVID-19, but we are learning more as more people get vaccinated.
  • We’re still learning how long COVID-19 vaccines can protect people.
  • As we know more, CDC will continue to update our recommendations for both vaccinated and unvaccinated people.

Until we know more about those questions, everyone — even people who’ve had their vaccines — should continue taking basic prevention steps when recommended.

Want to learn more about these recommendations? Read our expanded Interim Public Health Recommendations for Fully Vaccinated People, and corresponding Science Brief, and recommendations for healthcare providers.

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