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TEMECULA, Calif. (AP) — A Southern California doctor has been convicted of taking part in a million scheme to defraud Medicare.A federal jury on Wednesday found Donald Woo Lee of Temecula guilty of eight charges.Prosecutors say Lee provided medically unnecessary procedures to Medicare beneficiaries and provided phony billing codes to obtain a higher government reimbursement.Authorities say Lee submitted million in bills and received .5 million in reimbursements.Besides health care fraud, Lee was convicted of adulteration of a medical device because prosecutors say he re-packaged single-use catheters for reuse on patients. 647

Surveillance video captured the moment this week when a bolt of lightning made a direct hit on a home in Daytona Beach, Florida.Cindy Holt's surveillance camera recorded the moment the home's roof was hit by the lightning.She thought her boyfriend, pulling in at the same moment, had an accident."It was huge. It shook the house ... I thought he had actually hit the garage door," said Holt. "It was scary. I just thank God nobody was in the house at the time."Immediately after the strike, they noticed smoke coming from the roof and ran to the scene.A person spoke to the residents of the house to alert them about the lightning strike."You could see the smoke. You could see there was no fire, thank God," said Holt.Firefighters think the home's electrical system is fried.There were several scorch marks in the home's eave and around a light near the garage door.Though lightning struck just the one house, several other nearby residents lost phone and/or internet service."It's scary. It's knowing that it hit that close to home," said Holt.  1100

TAMPA, Fla. — Police say that street racing led to the death of a mother struck by a vehicle while pushing her child in a stroller in Tampa, Florida. Three people have been arrested.According to Tampa Police, two cars were street racing down Bayshore Boulevard on Wednesday afternoon when one of the vehicles struck the mother and child near W. Knights Avenue in Tampa.Tampa police say the mother, 24-year-old Jessica Reisinger, and the 2-year-old child were sent to the hospital with serious injuries. Reisinger died at the hospital and the 2-year-old is currently in serious condition.  616

Texas Democratic Senate candidate Beto O'Rourke said at a CNN town hall Thursday night that he would still vote to impeach President Donald Trump.The El Paso congressman challenging Sen. Ted Cruz said that his position on impeachment hadn't changed, even as Cruz has used the issue to galvanize conservative voters against O'Rourke's campaign.Asked by CNN's Dana Bash if he had changed his mind after saying he'd vote to impeach Trump this summer, O'Rourke said, "I haven't."He pointed to the ongoing probe into whether Trump's 2016 campaign colluded with Russia."There may be an open question as to whether the President, then the candidate, sought to collude with the Russian government in 2016," O'Rourke said. "But to quote George Will -- very conservative columnist -- when we saw him on that stage in Helsinki defending Vladimir Putin, the head of the country that attacked our democracy in 2016 instead of this country, and its citizens and this amazing democracy, that was collusion in action."He continued, "You may have wondered when he fired James Comey, the principle investigator into what happened in that election, whether that was an attempt to obstruct justice. But when, by broad daylight on Twitter, he asked his attorney general, Jeff Sessions, to end the Russia investigation, I would say that's obstruction in action."O'Rourke then said he likens impeachment to an indictment."There is enough there to proceed to a trial," he said.O'Rourke said he "would not prejudge the outcome of that trial.""All I am saying is, there's enough there," he said. "I know that this is not politically easy or convenient to talk about, but 242 years into this experiment ... nothing guarantees us a 243rd or a 244th."The answer will likely fuel further attacks from Cruz, who repeatedly cited O'Rourke's comments that he'd vote to impeach Trump in their most recent debate Tuesday night in Texas. Trump won Texas in 2016 and is headed to Houston to campaign for Cruz on Monday.At that debate, O'Rourke -- who is trailing in polls despite shattering fundraising records for a Senate campaign, with a million haul in 2018's third quarter -- mimicked Trump's 2016 presidential campaign attacks on Cruz as "Lyin' Ted."O'Rourke told CNN's Bash Thursday night he had some regrets about the comment."It's not something that I feel totally comfortable with, and perhaps in the heat of the moment I took a step too far," O'Rourke said.Asked if he regrets the comment, O'Rourke said: "I don't know that that's the way that I want to be talking in this campaign."CNN invited Cruz multiple times to appear tonight in his own town hall, but he declined. 2657

Starting Social Security early typically means getting a smaller benefit for the rest of your life. The penalty is steep: Someone who applies this year at age 62 would see their monthly benefit check reduced by nearly 30%.Many Americans have little choice but to accept the diminished payments. Even before the pandemic, about half of retirees said they quit working earlier than they’d planned, often due to job loss or health issues. Some have enough retirement savings to delay claiming Social Security, but many don’t. And now, with unemployment approaching Depression-era levels, claiming early may be the best of bad options for older people who can’t find a job.But the penalty for early filing, and the bonus for delaying your application, are based on old formulas that don’t reflect gains in life expectancy, says economist Alicia Munnell, director of the Center for Retirement Research at Boston College. The result is a system that unfairly penalizes early filers, unjustly benefits late filers — and hurts lower-income people the most.“Low-income people disproportionately collect benefits at 62 and their benefits are cut too much, and high-income people disproportionately delay claiming till 70 and their benefits are increased too much,” Munnell says. “So you penalize the low-income and you benefit the high-income.”The problem started off as a solutionOriginally, Social Security had one retirement age: 65. In 1956, Congress authorized a reduced benefit for women, to allow them to retire at the same time as their typically older husbands. The reduced benefit option was extended to men in 1961.The amount of the reduction was meant to be “actuarially neutral,” so that the cost to Social Security would be the same whether those with average life expectancies claimed the smaller check earlier or the larger check later.As life expectancies rose, though, early filers wound up living with the penalty for longer. In 1956, a 65-year-old woman had an average life expectancy of 16.9 years. Today, it’s 21.6 years, Munnell says. Instead of being actuarially neutral, in other words, the current system results in early filers with average life expectancies getting less.On top of that, Social Security offers a bonus for those who can afford to wait. A 1% delayed retirement credit was introduced in 1972, and the amount was increased over the years to the current 8%. So each year you put off claiming Social Security past your full retirement age adds 8% to your payment. Full retirement age varies according to birth year and is 67 for people born in 1960 or later.Let’s say your full retirement age is 67 and your benefit, if started then, would be ,000 a month. Starting at 62 would shrink the benefit to 0, while waiting until 70 to begin would boost the amount to ,240.The longer you live, the more you can benefit from a delayed filing — and the higher your income, the longer you’re likely to live. In fact, most of the gains in life expectancy in recent years have accrued to higher-income people.Between 2001 and 2014, for example, life expectancy rose by more than two years for men and nearly three years for women with incomes in the top 5%, according to a study for the Social Security Administration. During the same period, life expectancies for those in the bottom 5% of incomes rose a little less than four months for men and about two weeks for women.How benefits could change to be fairerTo restore actuarial fairness, the penalty for early filing should be lower, Munnell says. Someone who retires at 62 instead of 67 should get 22.5% less, rather than 30% less. Similarly, the bonus for waiting should be reduced to just below 7% per year.“The way it’s set up now, people will get 124% of their full benefit if they wait till 70 and they really should only get 120%,” Munnell says.Obviously, Social Security has bigger problems. Once its trust fund is depleted, as projected in 15 years or so, the system will be able to pay only 79% of promised benefits in 2035. That proportion is estimated to drop to 73% by 2094.When Congress finally gets around to fixing the system, Munnell says, it should consider making the payouts more fair.“I think there’ll be some grand bargain on Social Security at some point because I don’t think anybody’s really going to allow benefits to be cut 25%,” Munnell says. “This [actuarial fairness] probably should be put on the agenda.”This article was written by NerdWallet and was originally published by the Associated Press.More From NerdWalletHow to Renegotiate Your Bills to Save MoneyFeeling Out of Control? These Money Moves Could HelpRenters at Risk: Ways to Cope in the Financial CrisisLiz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 4771