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Health insurance is a type of coverage that pays for medical and surgical expenses incurred by the insured. It helps individuals manage healthcare costs by covering part or all of the expenses associated with medical treatments, prescriptions, and preventive care.
Health insurance provides financial protection against high medical costs. It allows you to access healthcare services, including doctor visits, hospitalizations, surgeries, and medications, without facing significant out-of-pocket expenses.
There are several types of health insurance plans, including:
Consider factors such as premiums, deductibles, copayments, and coinsurance. Also, evaluate the network of healthcare providers, coverage for prescription drugs, and whether the plan includes additional benefits like dental or vision care.
Many health insurance plans cover preventive care services, such as annual check-ups, vaccinations, screenings, and counseling, at no cost to you. This is mandated under the Affordable Care Act for certain services.
Under the Affordable Care Act, young adults can stay on their parents’ health insurance plan until age 26, regardless of their financial dependence, marital status, or living situation.
An out-of-pocket maximum is the most you have to pay for covered services in a plan year. After you reach this amount, the health insurance plan pays 100% of the covered benefits.
You may qualify for a Special Enrollment Period (SEP) outside of the annual open enrollment period if you experience certain life events, such as marriage, birth or adoption of a child, loss of other coverage, or moving to a new area.
Not having health insurance may result in financial penalties under the Affordable Care Act’s individual mandate (depending on current legislation). It also means you are responsible for paying the full cost of medical care out of pocket, which can be expensive.
An HSA is a tax-advantaged savings account available to individuals enrolled in a High Deductible Health Plan (HDHP). It allows you to save money specifically for medical expenses, both now and in the future.
To qualify for an HSA, you must be enrolled in an HDHP as defined by the IRS. You cannot be covered by other health insurance (with certain exceptions), enrolled in Medicare, or claimed as a dependent on someone else’s tax return.
Some benefits of HSAs include:
Contribution limits are set annually by the IRS. For 2024, if you have self-only HDHP coverage, you can contribute up to $4,150. If you have family HDHP coverage, you can contribute up to $8,300.
Qualified medical expenses include a wide range of services and products prescribed by a healthcare professional, including deductibles, copayments, prescriptions, dental care, vision care, and certain long-term care services.
Yes, you can withdraw funds for non-medical expenses before age 65, but these withdrawals are subject to income tax and may incur an additional 20% penalty unless used for qualified medical expenses.
Your HSA funds remain with you regardless of changes in health plans or employment status. You can continue to use the funds for qualified medical expenses and even invest them if your HSA offers investment options.
No, HSA funds roll over year after year. There is no “use it or lose it” rule, unlike Flexible Spending Accounts (FSAs). Your HSA balance continues to grow tax-free until you choose to use it for qualified expenses.
Generally, you cannot have other health coverage that is not an HDHP if you want to contribute to an HSA. Exceptions include certain types of insurance, such as dental, vision, disability, or long-term care insurance.
You can open an HSA through a bank, credit union, insurance company, or other financial institution that offers HSA accounts. Your employer may also facilitate HSA enrollment if they offer an HDHP as part of their benefits package.
Dental plans typically cover preventive care (such as cleanings and exams), basic procedures (like fillings and extractions), and major procedures (such as root canals and crowns). Orthodontic care may be included in some plans.
Some dental plans may have waiting periods before coverage begins for certain procedures, particularly for major services. It’s essential to understand these waiting periods when choosing a plan.
Dental plans often have networks of dentists, and coverage may be higher when using in-network providers. Some plans allow you to see out-of-network dentists, but coverage levels and costs may differ.
HMO (Health Maintenance Organization)** plans require you to choose a primary dentist and typically require referrals for specialist visits. **PPO (Preferred Provider Organization)** plans offer more flexibility in choosing dentists and typically cover a portion of costs for both in-network and out-of-network care.
Vision plans generally cover routine eye exams, eyeglasses, contact lenses (or an allowance towards them), and discounts on other vision-related expenses like LASIK surgery.
Vision plans often have networks of eye care providers, and coverage may be higher when using in-network providers. Some plans offer out-of-network benefits, but reimbursement levels may be lower.
Vision plans typically cover one eye exam per year, although this can vary by plan. Some plans may allow for more frequent exams based on medical necessity.
A hospital indemnity plan pays a fixed benefit amount for covered hospital stays, surgeries, and related medical services. It helps cover costs not paid by primary health insurance, such as deductibles, copayments, and non-medical expenses.
Health insurance covers medical expenses directly, while a hospital indemnity plan pays a lump-sum benefit for covered hospitalizations and related services. It complements health insurance by providing additional financial support during hospital stays.
Accident insurance pays benefits for injuries resulting from accidents, such as fractures, dislocations, burns, and emergency room visits. Benefits can help cover medical expenses, transportation, and other costs not fully covered by health insurance.
Accident insurance can provide supplemental coverage to help with out-of-pocket costs associated with accidents that health insurance may not fully cover. It’s particularly useful for high-deductible health plans or individuals with active lifestyles.
Critical illness insurance typically covers major conditions like heart attack, stroke, cancer, organ transplant, and other serious illnesses specified in the policy. Coverage may vary by insurer and policy terms.
Upon diagnosis of a covered illness, critical illness insurance pays a lump-sum benefit directly to the insured. This money can be used to cover medical expenses, lost income, mortgage payments, or other financial needs during recovery.
Accidental death insurance provides a lump-sum benefit if the insured dies due to an accident, such as a car crash or a fall. It supplements life insurance by providing additional financial protection specifically for accidental death.
Life insurance pays a death benefit for any cause of death, while accidental death insurance covers only death resulting from accidents. It provides an extra layer of financial security in case of unexpected accidents.
Long-term care insurance helps cover the costs of long-term care services, such as nursing home care, assisted living facilities, and in-home care. It provides financial assistance when individuals need help with activities of daily living or have a chronic illness.
Long-term care insurance is typically purchased before the need for long-term care arises. It’s often recommended to buy it when you’re younger and healthier to lock in lower premiums and ensure coverage when needed.
PTO policies vary by company. Generally, employees accrue PTO based on tenure and employment status. Sick leave may be separate or included in PTO. Refer to your employee handbook for details.
Employees typically request time off through a designated HR portal, manager approval, or written request. Check your company’s policy for specific procedures.
Overtime pay is usually 1.5 times an employee’s regular hourly rate for hours worked beyond 40 per week (varies by state). Holiday pay policies differ by employer—some offer extra pay for working holidays.
Companies generally have a zero-tolerance policy toward harassment and discrimination, with reporting procedures outlined in the employee handbook.
Report incidents to HR or your manager as soon as possible. Some companies also provide anonymous reporting options.
Policies vary; some companies allow remote work on a case-by-case basis. Check with HR or your manager for specific guidelines.
Performance reviews are typically conducted annually, semi-annually, or quarterly, depending on the company.
Companies usually follow a progressive discipline policy, starting with a verbal warning, followed by written warnings, suspension, and possible termination.
Speak with your manager or HR representative. Many companies offer mediation or grievance procedures to resolve disputes.
Layoffs and terminations follow state and federal labor laws. Some companies offer severance packages, while others provide notice periods or outplacement services.
Vision plans generally cover routine eye exams, eyeglasses, contact lenses (or an allowance towards them), and discounts on other vision-related expenses like LASIK surgery.
Vision plans often have networks of eye care providers, and coverage may be higher when using in-network providers. Some plans offer out-of-network benefits, but reimbursement levels may be lower.
Vision plans typically cover one eye exam per year, although this can vary by plan. Some plans may allow for more frequent exams based on medical necessity.
Life insurance is a contract between an individual (policyholder) and an insurance company. In exchange for regular premium payments, the insurance company provides a lump-sum payment (death benefit) to designated beneficiaries upon the death of the insured.
Life insurance provides financial protection to your loved ones in the event of your death. The death benefit can help cover expenses such as funeral costs, mortgage payments, debts, college tuition, and everyday living expenses.
There are several types of life insurance policies, including:
The amount of life insurance you need depends on factors such as your income, debts, lifestyle, future expenses (e.g., college tuition for children), and financial goals (e.g., replacing income for dependents). A financial advisor can help you determine an appropriate coverage amount.
Premiums are influenced by factors such as age, health condition, smoking status, occupation, hobbies (e.g., skydiving), coverage amount, and type of policy. Generally, younger and healthier individuals pay lower premiums.
Premiums are influenced by factors such as age, health condition, smoking status, occupation, hobbies (e.g., skydiving), coverage amount, and type of policy. Generally, younger and healthier individuals pay lower premiums.
Yes, it is possible to purchase life insurance with pre-existing health conditions. However, the cost and availability of coverage may vary depending on the severity of the condition. Some insurers offer policies specifically designed for individuals with health issues.
If you stop paying premiums, the life insurance policy may lapse or be terminated. Some policies have a grace period during which you can still make payments to keep the coverage active. You may also have options to convert or use the policy’s cash value to pay premiums.
Yes, it is common to have multiple life insurance policies from different insurers or the same insurer. This may be beneficial if you need varying coverage amounts or want to diversify your coverage types (e.g., term and permanent life insurance).
Generally, life insurance death benefits paid to beneficiaries are not taxable as income. However, there may be exceptions if the policy was transferred for valuable consideration or if the estate is subject to estate taxes.
Consider your financial needs, budget, future obligations, and preferences for coverage duration and flexibility. Compare quotes from different insurers, review policy features, and consult with a licensed insurance agent or financial advisor to make an informed decision.
An annuity is a financial product sold by insurance companies designed to provide regular payments to an individual (annuitant) either immediately or at a future date.
An individual typically makes a lump-sum payment or a series of payments to an insurance company (premium). In return, the insurance company promises to make regular payments to the annuitant according to the terms of the annuity contract.
There are several types of annuities, including:
Benefits may include:
Annuities may have various fees and expenses, including:
Annuities typically have withdrawal provisions, but they may be subject to surrender charges and taxes if withdrawals are made before a certain age (usually before 59½ for tax-deferred annuities).
Annuities can be suitable for individuals seeking guaranteed income in retirement or tax-deferred growth. They may not be suitable for everyone, especially those needing liquidity or with lower risk tolerance.
Consider factors such as your financial goals, risk tolerance, investment timeline, and whether you prioritize guaranteed income or potential for higher returns. Consulting with a financial advisor can help you navigate these decisions.
This depends on the type of annuity and the terms of the contract. Some annuities may provide a death benefit to beneficiaries, which could be a return of the premiums paid, remaining account value, or a guaranteed payout.
Annuities are tax-deferred investments, meaning taxes on earnings are deferred until withdrawals are made. Withdrawals are taxed as ordinary income, and early withdrawals before age 59½ may incur additional taxes and penalties.Annuities are tax-deferred investments, meaning taxes on earnings are deferred until withdrawals are made. Withdrawals are taxed as ordinary income, and early withdrawals before age 59½ may incur additional taxes and penalties.
Medicare is primarily intended for individuals aged 65 and older, younger people with disabilities, and those with end-stage renal disease (ESRD) or amyotrophic lateral sclerosis (ALS). It is a federal health insurance program that offers coverage for hospital care (Part A), medical services like doctor visits and outpatient care (Part B), and prescription drug coverage (Part D). Beneficiaries can also choose Medicare Advantage (Part C) plans offered by private insurers, which often provide additional benefits beyond basic Medicare. Medicare is funded through payroll taxes, premiums paid by beneficiaries, and general government revenues.
On the other hand, Medicaid is aimed at individuals and families with low income and limited resources. Eligibility for Medicaid varies by state and can include low-income adults, children, pregnant women, elderly individuals, and people with disabilities. Medicaid covers a wide range of healthcare services, including doctor visits, hospital stays, long-term care, preventive care, and more. Each state operates its own Medicaid program, allowing flexibility in coverage and benefits. Medicaid is jointly funded by federal and state governments, with the federal government matching a portion of the state’s expenditures based on a formula.
In summary, Medicare serves older adults and certain disabled individuals with standardized health insurance coverage, while Medicaid provides healthcare services to low-income individuals and families with a broader range of benefits. The eligibility criteria, coverage options, and funding mechanisms for these programs differ significantly, reflecting their distinct roles in the U.S. healthcare system.
If you already get Social Security benefits, you do not need to sign up for Medicare. We will automatically enroll you in Original Medicare (Part A and Part B) when you become eligible. We will mail you the information a few months before you become eligible.
Because you must pay a premium for Part B coverage, you can turn it down. However, if you decide to sign up for Part B later, your coverage can be delayed and you may have to pay a late enrollment penalty for as long as you have Part B coverage. Residents of Puerto Rico or foreign countries will NOT automatically receive Part B. They must elect this benefit.
If you don’t get Social Security benefits and are not ready to apply for them yet, you should sign up for Medicare three months before your 65th birthday. The easiest way to apply for Medicare is by using their online application or you can make an appointment by calling them at 1-800-772-1213 (TTY 1-800-325-0778), 8:00 a.m. – 7:00 p.m., Monday through Friday.
For more information read their Medicare publication.
If your Medicare card was lost, stolen, or destroyed, you can request a replacement online at Medicare.gov.
You can print an official copy of your card from your online Medicare account or call 1-800-MEDICARE (1-800-633-4227 TTY 1-877-486-2048) to order a replacement card to be sent in the mail.
You can voluntarily terminate your Medicare Part B (Medical Insurance). However, you may need to have a personal interview with us to review the risks of dropping coverage and for assistance with your request. To find out more about how to terminate Medicare Part B or to schedule a personal interview, contact us at 1-800-772-1213 (TTY: 1-800-325-0778) or visit your nearest Social Security office.
If you send us a request to terminate your Part B and then change your mind, you must send a request to cancel the request of termination before the date that Part B ends.
For additional information, go to the How to drop Part A & Part B page.
Medicare Part B premiums vary based on beneficiary’s income and can change each year. For current rates visit the Medicare Cost site.
Each year, Social Security sends a letter to people collecting Social Security benefits (and those who pay higher premiums because of their income) stating each person’s exact Part B premium.
You can get details at Medicare.gov or by calling 1-800-MEDICARE (1-800-633-4227) (TTY 1-877-486-2048).
For more information about higher premiums go to the Medicare Premiums: Rules for Higher-Income Beneficiaries page.
If you have Medicare Part A, but you did not enroll in Medicare Part B during your Initial Enrollment Period (IEP), you may sign up during the General Enrollment Period (GEP), or you may qualify for a Special Enrollment Period (SEP).
The annual GEP runs from January 1 to March 31, with coverage starting the month after you enroll. You may have to pay a late enrollment penalty for not signing up when you were first eligible.
Those with group health plan coverage through an employer or spouse may qualify for an SEP. If you qualify for an SEP, you can apply online at Apply for Medicare Part B Online during a Special Enrollment Period.
You can also fax or mail your completed Application for Enrollment in Medicare – Part B (CMS-40B) and the Request for Employment Information (CMS-L564) enrollment forms and evidence of employment to your local Social Security office. If you have questions, please contact Social Security at 1-800-772-1213 (TTY 1-800-325-0778).
Note: When completing the forms CMS-40B and CMS-L564:
For more information go to their Medicare Benefits page.
In most cases, if you don’t sign up for Medicare when you’re first eligible, you may have to pay a higher monthly premium.
More information on Medicare late enrollment penalties:
More information on the Medicare program
You may have health insurance coverage under a group health plan based on your or your spouse’s current employment. In this case, you may not need to apply for Medicare Part B at age 65. You may qualify for a Special Enrollment Period and be able to delay signing up for Medicare Part B without a late enrollment penalty.
Coverage based on current employment does not include COBRA (Consolidated Omnibus Budget Reconciliation Act), Retiree health coverage VA (Veterans Affairs) health coverage, or Individual health coverage (such as through the Health Insurance Marketplace).For more information read their How to Apply for Medicare Part B During Your Special Enrollment Period and Medicare publications.
Find out how your coverage works with Medicare at Medicare.gov or contact your employer or union benefits administrator.
States must help pay some of the Medicare costs for beneficiaries who have limited income and resources. Under these programs, states help pay for Medicare Part A and Part B premiums, deductibles and copayments. Some of these programs also pay additional Medicare expenses for elderly and disabled people.
To find out if you are eligible for state help, contact your local medical assistance office. A representative can tell you the specific requirements and help you apply.
For more information see (Medicare.gov).
Some people with higher income may pay a larger percentage of their monthly Medicare Part B and prescription drug costs based on their income. We call the additional amount the income-related monthly adjustment amount. Visit Medicare Premiums: Rules For Higher-Income Beneficiaries to see if the adjustment amount applies to you.
More Information
Medicare Premiums: Rules For Higher-Income Beneficiaries
Medicare Income-Related Monthly Adjustment Amount-Life-Changing Event
Medicare is a health insurance program for people age 65 or older. Some younger people are eligible for Medicare including people with disabilities, permanent kidney failure and amyotrophic lateral sclerosis (Lou Gehrig’s disease or ALS). Medicare helps with the cost of health care, but it does not cover all medical expenses or the cost of most long-term care.
Original Medicare included:
Other parts of Medicare are:
More Information
TRICARE is the health care program serving military service members, retirees, their families and survivors worldwide.
More Information
Signing up for Medicare Part B may provide you with additional service and location options.
If you don’t sign up for Part B when you are first eligible:
Visit Medicare.gov for more information.
Burial insurance is a type of life insurance specifically designed to cover the costs associated with funerals, burials, and related expenses upon the policyholder’s death.
Burial insurance typically covers expenses such as funeral service costs, caskets, burial plots, headstones, cremation, memorial services, and other related expenses.
Burial insurance is often considered by seniors or individuals who want to ensure that their final expenses do not burden their loved ones. It can also be an option for those who may not qualify for traditional life insurance due to age or health conditions.
Coverage amounts for burial insurance policies usually range from $5,000 to $25,000, although this can vary depending on the policy and insurance provider. The amount should be sufficient to cover funeral and burial expenses as well as any additional costs you anticipate.
No, burial insurance and pre-paid funeral plans are different. Burial insurance provides a cash benefit to your beneficiaries upon your death, which can be used to cover funeral expenses. Pre-paid funeral plans, on the other hand, involve paying in advance for specific funeral services and merchandise through a funeral home.
Burial insurance policies are generally easier to qualify for compared to traditional life insurance policies. Some policies may not require a medical exam, making them accessible for seniors or individuals with health issues.
The primary purpose of burial insurance is to cover funeral and burial expenses. However, beneficiaries can use the proceeds for any purpose they choose, including settling outstanding debts, covering medical bills, or other financial needs.
Premiums for burial insurance are typically based on factors such as age, health status, and the amount of coverage selected. Premiums can often be paid on a monthly, quarterly, semi-annual, or annual basis, depending on the policy.
Yes, it is possible to have multiple burial insurance policies from different insurance providers. This may be beneficial if you want to increase your total coverage or have specific preferences for different aspects of coverage.
Generally, the death benefit received from burial insurance is not taxable for the beneficiaries. It is considered a tax-free payout, providing financial support without additional tax implications.
To connect with Safe Haven Insurance Agency, please call +1 (631) 608-1137 or book an appointment today!
Melissa Sternreich is an experienced professional with a diverse background in both corporate America and education. Holding a Bachelor’s degree in Psychology and having pursued graduate studies, she brings a deep understanding of human behavior and communication to her role. With strong organizational skills and a client-focused approach, Melissa now leads our customer service team at Safe Haven Insurance.
Her dedication, problem-solving abilities, and commitment to client satisfaction have made her an invaluable asset to our organization, ensuring a seamless experience for every customer she assists.
To connect with Safe Haven Insurance Agency, please call +1 (631) 608-1137 or book an appointment today!
Jennifer Cardone is a dedicated insurance professional at Safe Haven Insurance, committed to helping individuals and businesses secure the right coverage for their unique needs. With a passion for providing personalized insurance solutions, she takes the time to understand each client’s specific circumstances, ensuring they receive expert guidance and comprehensive protection.
Jennifer believes that insurance is more than just a policy, it’s about financial security and peace of mind. She works closely with clients to navigate the complexities of coverage options, offering tailored recommendations that align with their goals. Her dedication to exceptional service and attention to detail make her a trusted resource for those seeking reliable protection for their assets, families, and businesses.
Jennifer takes pride in building lasting relationships and making a positive impact by helping clients safeguard their future with confidence.
To connect with Safe Haven Insurance Agency, please call +1 (631) 608-1137 or book an appointment today!
Iris Rivera is a dedicated HR leader with over 25 years of experience in Employee Relations and People Team Building. As the founder of Rivera Resources, she is passionate about helping small businesses navigate the complexities of human resources by providing tailored solutions that simplify HR management.
Throughout her career, Iris has worked extensively with the Spanish-speaking community and individuals from diverse backgrounds. She has mastered the art of managing employee relationships, resolving workplace conflicts, and optimizing HR processes to ensure smooth operations for businesses of all sizes.
As a bilingual HR consultant, Iris Rivera is committed to delivering customized solutions and personalized guidance to meet the unique needs of each client. She understands that HR can be overwhelming—especially for small businesses with limited resources—and believes in the power of empathy and active listening to provide effective, practical support.
Iris Rivera’s goal is to empower businesses with the HR tools and strategies they need to thrive, ensuring compliance, efficiency, and a positive workplace culture.
To connect with Safe Haven Insurance Agency, please call +1 (631) 608-1137 or book an appointment today!
After more than two decades of experience as an AVP and consultant in the investment industry, working with leading custody banks in both the United States and South Africa, I chose to shift my focus to Medicare and insurance. With a deep commitment to making a meaningful impact, I am dedicated to guiding individuals through the often-complex world of Medicare and insurance. My goal is not simply to help people choose the right plan, but to empower them with the confidence and security that comes from knowing their coverage truly addresses their unique needs. I recognize that healthcare decisions are among the most critical choices we make, and I am here to offer clarity, empathy, and unwavering support throughout the entire process. I’m not just selling insurance; I’m building trust, fostering peace of mind, and helping people navigate their healthcare journey with confidence.
Después de más de dos décadas de experiencia como AVP y consultor en la industria de inversiones, trabajando con los principales bancos de custodia tanto en los Estados Unidos como en Sudáfrica, decidí cambiar mi enfoque a Medicare y seguros. Con un profundo compromiso de tener un impacto significativo, me dedico a guiar a las personas a través del mundo a menudo complejo de Medicare y seguros. Mi objetivo no es simplemente ayudar a las personas a elegir el plan correcto, sino empoderarlos con la confianza y la seguridad que proviene de saber que su cobertura realmente aborda sus necesidades únicas. Reconozco que las decisiones de atención médica se encuentran entre las decisiones más críticas que tomamos, y estoy aquí para ofrecer claridad, empatía y apoyo inquebrantable durante todo el proceso. No solo estoy vendiendo seguros; estoy construyendo confianza, fomentando la paz mental y ayudando a las personas a navegar su viaje de atención médica con confianza.
To connect with Safe Haven Insurance Agency, please call +1 (631) 608-1137 or book an appointment today!
Jonathan Silberstein is an experienced insurance professional with over 25 years in the industry. He started his career with New York Life in NYC, later joining Cowan Financial Group, a MassMutual agency, where he transitioned to employee benefits, specializing in worksite plans for small businesses.
This focus included health insurance, payroll-deducted benefits, and executive plans, establishing him as a trusted advisor. Networking has been a key part of his practice; he served as President of NYC’s BNI Chapter 4, growing it significantly during his four-year term. Today, he’s aligned with Safe Haven Insurance Agency in Melville, NY, a leader in Medicare and health insurance. Jonathan resides in Huntington, NY, with his wife of 29 years and has a son and dog Asher.
To connect with Safe Haven Insurance Agency, please call +1 (631) 608-1137 or book an appointment today!
I come from a middle class, blue collar family of small business owners. My grandfather worked seven days a week, 12 hours a day and practically never took a vacation. My father followed suite and I was next in line.
I remember as a kid my dad would wake me up at 4 am before school to help him open his deli. I would prep the bacon and home fries for the morning rush. On Sunday morning at 2 am my grandfather would honk his horn in front of my house, so I could put the newspapers together before his morning rush.
I loved every second of it! I was spending time with my two favorite people, building the family business’ and making money! Yes, I got paid too! Soon enough, I was working before school, after school and twelve hours a day on the weekends. My family certainly taught me work ethic and how to earn.
One day I asked my grandfather when he was going to retire? He replied, “When they bury me.” I realized as I matured why he said that, he had no retirement. He knew how to earn and that was it. He worked until the day he went into the hospital and he passed shortly after that. When he passed my grandmother was 70 and she didn’t get a check from the insurance company, all she opened was the next months bills. She worked every day until she was 86.
My Dad, he still works every day, seven days a week. When he got sick and was in the hospital, we took turns watching his restaurant. When he came home from the hospital, my mother drove him to work because he had no choice. I guess I was next?
My Grandfather actually had a fairly large Term Insurance policy and it expired the year before he passed. He was never guided or reminded by his agent that it wasn’t going to last forever and to get into something permanent such as Whole Life.
My Grandmother is now bedridden from a fall she had 2 years ago. She makes $300 too much with social security and isn’t eligible for Medicaid. My family and I share the costs of Aides and split the time needed for care between the 7 of us. No one ever spoke to my Grandparents about Long Term Care Insurance.
When my father couldn’t work because of his illness, he didn’t have Permanent Disabilty Insurance and had to figure out how to get back to work quickly. We all know the disabilty Insurance we get from work is not enough to survive. He was never told about it…
MY WHY…. is to break the cycle. To help people and families that have worked their butts off learn how to protect themselves and their families. How to plan for retirement, estate planning, college funding, LIFE, FAMILY, and most important, TOMORROW… that’s my selfish gratification.
