I am in the process of a mediated settlement and I was told that the settlement amount I will receive will reduce my monthly SS check by approx $300.00. Is there any way to do this so that my SS check will not be reduced. Also the start process of an annunity for my medical has begun. Is it true that after my yearly set aside is used up I will be responsible for doctor Co-pays , etc and what about the drug donut hole if I get there? I appreciate any help I can get. I read alot of annunity posts however I am still confused as there are different types of annunities and their costs and restrictions. THANK YOU !