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Thursday, February 2, 2023

      Overoptimism can be as dangerous (or more) as over pessimism, that’s in a nutshell Jerome Powell’s message following the past FOMC meeting, where the Federal Reserve raised interest rates by 0.25 percentage points...

 

Thursday, February 2, 2023

            The Corona Virus has affected the citizens in America negatively. From the shutting down of businesses, to "nonessential" deemed employees getting laid off. It caused panic at the grocery...

 

Thursday, February 2, 2023

       When you a have a debilitating or disabling medical condition, having health insurance is critical. Maybe critical for your survival if you don’t have the resources to pay for all the needed treatments,...

 

Thursday, February 2, 2023

       There’s a positive correlation between owning life insurance and having financial security. One of the biggest ways life insurance can provide financial security is by ensuring that loved ones are...

 

Thursday, January 26, 2023

       I mentioned on a previous commentary that According to the Center for Disease Control and Prevention, 37.3 million Americans have diabetes. That’s 1 out of 10 Americans! 96 million people in...

 

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Thursday, January 26, 2023

      According to the Center for Disease Control and Prevention, 37.3 million Americans have diabetes. That’s 1 out of 10 Americans! 96 million people in the United States have prediabetes, that’s...

 

Thursday, January 26, 2023

So, you’re on Medicare and traveling abroad. You have an emergency, what do you do and do you have coverage? Medicare usually doesn’t cover health care while you’re traveling outside the U.S...

 

Monday, January 23, 2023

If you had a medical condition, whether it be mental or physical, prior to the year 2013, you knew what a pre-existing condition was. That’s because prior to 2013 and the Affordable Care Act, insurance carriers were able to deny...

 

Monday, January 23, 2023

Why is the financial strength of an insurance company important? There is a multitude of reasons why, but near the top of that list should be the insurer’s ability to pay out the benefits promised. Those benefits could be access...

 

Monday, January 23, 2023

I’m About to Turn 65, How Do I Enroll in Medicare?  As you turn 65, you’ll be entering your IEP, Initial Enrollment Period. The Initial Enrollment Period (IEP) is when you initially become eligible for Medicare....

 

Wednesday, January 11, 2023

Even if you’re not currently in the market for a new work opportunity, you can’t ignore the continuous reports of near- term layoffs projected for this year. Rightfully so, as the labor force tends to be a leading indicator...

 

Wednesday, January 11, 2023

       Individuals entitled to both Medicare and medical assistance from a state plan under Medicaid are potentially eligible to enroll in a Dual Eligible Special Needs Plans (D-SNPs), where States cover some Medicare costs...

 

Wednesday, January 11, 2023

How can you go from having great coverage with low premiums with one job, to a job with terrible coverage and high premiums? First, it’s based off of your group size. You’re either considered...

 

Wednesday, January 11, 2023

Enrollment for employer sponsored group medical insurance can be a very timely and confusing matter. Knowing what to expect and which documentation you may need, can really help speed up the process.

 

Wednesday, January 11, 2023

Medicare is federal health insurance for people 65 or older, and some people under 65 with certain disabilities or conditions ran by the Centers for Medicare & Medicaid Services. Medicaid provides health coverage to millions of Americans...

 

Wednesday, January 11, 2023

Have you ever applied for life insurance and been declined or rated by the insurance company? Unless you’re in the insurance industry, you probably have no idea why or how.

 

Thursday, December 22, 2022

This Special Enrollment Period (SEP) is one of the more complicated Medicare enrollment periods. Not every Medicare beneficiary will be eligible for this SEP and for those that do qualify they will have to prove their qualification. 

 

Thursday, December 22, 2022

     An employer offering benefits can be one of the most important reasons for taking a job for some families, but have you ever looked at or joined an employer sponsored plan and wondered, how can I be paying this much...

 

Thursday, December 22, 2022

   If you were ever diagnosed with any type of health condition or suffered a serious injury, prior to 2013, then you probably understand what preexisting conditions are. But for those who don’t, preexisting...

 

Friday, December 2, 2022

      Life insurance is a very intricate tool. Most people only think of it as insurance that takes care of the expenses of your loved ones left behind. This is true of life insurance in general. Depending on...

 

Tuesday, November 29, 2022

If it sounds too good to be true, it may still be true…except for cryptocurrency exchanges.By now you’re somewhat familiar with the name FTX and have heard of their recent insolvency. All due to highly speculative...

 

Wednesday, November 23, 2022

Group medical insurance can be very confusing. Sometimes as humans we’re embarrassed to admit that we don’t know something. Don’t be.

 

Wednesday, November 23, 2022

 Universal life insurance defines flexibility. You can virtually design it to be exactly what you need it to be. 

 

Wednesday, November 16, 2022

Let’s face it, we live in a time of benefits demanding job seekers. Whether it’s an entry level position, or a career that requires four plus years of college education, one of the first questions asked to HR managers and owners...

 

Wednesday, November 16, 2022

Are you in your twenties or thirties and just starting a family? Can’t afford a larger premium? Well, you could take advantage of your younger age and better health. It could be a good choice when the policyholder needs protection...

 

Wednesday, November 9, 2022

‘Tis the season to be jolly? Maybe. The Holiday season quickly approaches and with it comes a lot of typical seasonality elements. The stock market is not oblivious to that. In finance, seasonality of the markets is a technical analysis...

 

Wednesday, November 9, 2022

You are Medicare eligible and have group health insurance provided by you or your spouse’s current employer. Can I have Medicare and my group plan? Do they work together? To keep it simple, yes and yes, but there are certain rules.

 

Wednesday, November 9, 2022

Life insurance is more than just something that your grandparents purchase when you were a child. Life insurance is a tool that you can use for many different stages in your life. It can protect you for a period of time or forever.

 

Friday, October 21, 2022

There is one thing a “rainy-day" savings account typically can’t help with, and that’s a $1,000,000 medical bill. You may be saying “that’ll never happen”, but it can happen in a instant.

 

Friday, October 21, 2022

Every year the Annual Enrollment Period (AEP) for Medicare is from October 15 through December 7. This timeframe is sometimes also referred to as the Medicare Open Enrollment Period. During his period, anyone can make changes...

 

Wednesday, October 12, 2022

        Choosing a medical plan for yourself may be easy. You may know how often you go to the doctor, and how much you may use the insurance, but this completely changes when it comes to selecting health...

 

Wednesday, October 12, 2022

The Center for Medicare & Medicaid Services (CMS) have announced the premiums, deductibles and coinsurance amounts for Medicare Parts A & B for the year 2023.  Find out what they are here.

 

Monday, October 10, 2022

Looking at how Medicare Advantage (MA) plans are funded may give insight into why we see so many of these advertisements in the media during the last quarter of the year.

 

Monday, October 10, 2022

Are you unaware of the changes that came with the Affordable Care Act, that may benefit you? Most employers are. One of the biggest problems I see is people are hesitant to use their health insurance.

 

Tuesday, October 4, 2022

When the Federal Reserve Chair, Jerome Powell, insists that businesses and households will experience pain resulting from monetary tightening, you better believe him. What happened?

 

Thursday, September 29, 2022

Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) are available to three separate groups of people. Those eligible are classified as Medicare beneficiaries.

 

Thursday, September 22, 2022

Many of the employers I speak with have little to no experience in selecting health plans for their employees. Some are familiar with what medical plan’s co-payments and co-insurance are, but do not understand how they work.

 

Thursday, September 22, 2022

Medicare Part D is the prescription drug benefit for Medicare beneficiaries. Part D is also referred to as a Prescription Drug Plan (PDP).  It helps cover the cost of outpatient prescription drugs.

 

Wednesday, September 14, 2022

Medicare Part B is your medical insurance typically administered at a doctor's office or outpatient facility.  What is it?  It is government-mandated medical insurance. It’s intended to cover two types of services...

 

Wednesday, September 14, 2022

When it comes to insurance, everyone has a different opinion and use. What I like about an insurance plan can be completely different from what the employer feels makes a good plan. There are many different choices when selecting a plan.

 

Wednesday, September 14, 2022

A bear market is defined as an extended period of price declines in the stock market. Textbooks will not give you an exact numerical measure for identifying a bear market, but we consider a 20% decline in...

 

Friday, September 9, 2022

Business owners offering to cover the cost of abortion procedures are also challenged with covering travel and lodge expenses for employees, when their headquarters is located within abortion-banned states.

 

Friday, September 9, 2022

Congratulations, you’ve turned 65 and qualify for Medicare! Now what? The timeframe for enrolling in a Medicare plan is called the “enrollment period”. There are many different enrollment periods, but not all are relevant to you.  

 

Friday, September 9, 2022

I’m not attempting to give a course on GDP. But you may wonder, with such a simple definition, why do economists and politicians defer on our economic status relating to GDP? Are we, or are we not in a recession?

 

Friday, September 9, 2022

People ask why inflation is running rampant since the COVID – 19 started. With many causes to increases in prices and currency devaluation, politicians are quick to point fingers at whom or what causes this pain for citizens.

 

Tuesday, June 22, 2021

The reasons why your Social Security Disability claim will get denied are many and you should know prior to filling a claim. Know what to expect when you apply for benefits and that the social security administration denial will lead...

 

Tuesday, June 22, 2021

Did you know a bad credit score can affect your insurance rate, increasing your premium payment and making it more expensive? But the truth is, even if you have a good credit score, the lack of payment history, long enough credit,...

 

Tuesday, October 6, 2020

If we had a dime for every time we get asked about information on Long Term Care, their would probably be enough funds to pay for the National debt. If we got a dime for every time someone actually did something to cover the high cost...

 

Thursday, October 1, 2020

Disability Income Insurance can be tax advantageous as a tax deduction if you have your policy through work or as a tax free benefit if you use your personal funds (or after tax dollars) to pay for it. With the help of your accountant...

 

Thursday, October 1, 2020

I was reading on Lesser, Lesser, Landy, Smith law firm's website that every 7 seconds an injury in the workplace happens. And that more than 4.7mil workplace injuries occur every year in the US, resulting in 99mil workdays lost. Those...

 

Tuesday, August 18, 2020

You can change the lives of so many with a profession in the Financial Services industry. But being a life insurance agent has it's particular rewarding moments. The impact and financial relief people get from receiving a Death...

 

Thursday, July 16, 2020

Think about all the different types of insurances that you have. Do you personally know ALL your agents? Probably NOT. Life Insurance does NOT have to be a complex process. If you just need basic insurance coverage, watch this video...

 

Thursday, July 9, 2020

Cody Merrill, personal trainer to physicians, dentists, athletes, executives (and pretty much anyone looking to improve their health and physique) on the Treasure Coast explains mistakes people make when exercising that can cause a...

 

Wednesday, June 17, 2020

When you look for an insurance quote, you have many choices to make from: coverage amount, length of coverage time and what you actually want to insure (cars, houses, people, pets). It’s going to cost you something to protect...

 

Tuesday, June 16, 2020

How do the rich get richer? Do the rich buy insurance? Yes! And in this video I give you 7 reasons why the wealthy buy insurance to build, grow, protect their wealth and avoid paying taxes.SUBSCRIBE to the Disability Insurance Queen's...

 

Friday, May 29, 2020

Medicare Part A is your hospital insurance and is one part of Original Medicare. The other being Part B. Medicare Part A is coverage managed by the federal government. What is the cost? Most people get Part A for free, but some must...

 

Tuesday, May 19, 2020

DISABILITY INSURANCE AND COVID-19 | How STRESS can lead to a Disability | Keaney Desk Talks Disability Insurance Queen 20 subscribers In the midst of the COVID-19 crisis, I did some research of how the current situation can lead to a...

 

Monday, May 18, 2020

 

Monday, May 18, 2020