Read more]]> Let's face it, not too many of us are retiring at the age of 65 any longer. There are many factors contributing to this, such as people living longer or not having enough money saved for retirement. Also, some people don't want to retire because they love their jobs and still enjoy going to work every day. Did you know that employees who turn 65 have the option of staying on their employer group health plan or switching to a privatized Medicare plan? Employers can't force an employee off of their group plan but from my experience, it makes sense more than 90 percent of the time for the employee to leave their group plan and join Medicare. This is where the secret weapon comes in and becomes a vital asset to both the employer and employee.

As a Medicare specialist, I will analyze the cost, benefit level, implications on dependents who are on the employer plan, and many others elements. I will then make a recommendation for the employee as to whether it is in their best interest to remain on the employer plan or join Medicare. The reason that in most cases it makes sense for the employee to switch to Medicare is that the benefits under Medicare are superior to anything on the individual or group insurance market and usually, they have better access to doctors, hospitals and facilities as well.

This level of service benefits the employer because they are properly educating their valuable employees on the benefits available to them. This allows them to make an informed decision on how they want to handle their own healthcare. It also saves employers thousands of dollars per year because their portion of the monthly insurance premium is reduced when the employee is moved off of the group plan and onto a Medicare plan. In some cases, I will recommend the employer pay for the employee's Medicare Part B for them, while they are still working, as it is much less than their original healthcare contribution.

Have you started to wonder why your current insurance broker has not discussed this option with you? The answer is pretty simple. Most health insurance agents are not licensed to sell Medicare and doing the right thing for the client, takes money out of their pocket when they switch off the group plan and join Medicare. Other agents are not even aware that Medicare benefits are much better than other medical plans.

Here is the best part . . . How much do I charge for providing this helpful, informative and rewarding service? There is no cost at all to the employer or employees. If they decide to move to a Medicare plan and work with me, I am paid by the insurance company of the plan chosen by the employee; therefore, neither the business nor the employee will ever pay a cent for the service I provide.

Do you own a business or work in Human Resources and feel this could be something that can help your employees/business? I would love an opportunity to speak with you.

Have you been putting off protecting your loved ones by not purchasing life insurance? Do you have an older policy and need a review to make sure it is still properly serving your needs? Do you want to build an alternate retirement account that is protected, grows tax free and is completely liquid...

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Have you been putting off protecting your loved ones by not purchasing life insurance? Do you have an older policy and need a review to make sure it is still properly serving your needs? Do you want to build an alternate retirement account that is protected, grows tax free and is completely liquid? Are you worried about becoming disabled or paying for long-term care in your future? All of these items can be covered with one phenomenal product. Life Insurance!

Don't put it off any longer, reach out now to educate yourself on the options.

Copious Insurance Solutions~Protecting What Is Important In Your Life!

Read more]]> Are you a small business owner who is frustrated with the increasing cost and shrinking doctor network of your individual or family health plan? In most cases, it makes sense to switch from an individual plan to a small business group plan. We have assisted many small businesses with this transition over the last 90 days and they have been elated with the new plans. Almost all groups qualify, with a few minor exceptions. If you would like to see if you can take advantage of this opportunity, reach out to us now so we can evaluate your options.

Not only does a group insurance plan allow you to set up a Section 125 Premium Only Plan and make the contributions pre-tax but it will lower your payroll tax and also can decrease your Worker's Comp liability down the road too. With a group plan, you have more comprehensive benefits and a substantially larger network of doctors and facilities that you will have access to. In addition, quality healthcare is consistently in the top 5 desires of almost every recent employment survey and generally is even prioritized higher than how much money an employee makes. If you want to attract and retain quality employees, you need to offer a quality employer based insurance plan.

Group insurance plans also allow you to start up at any point during the year so you are not limited to the open enrollment deadline that limit the flexibility of individual plan changes.

We work hands on with our companies and will assist with plan design, enrollment, employee additions or drops, claims, cobra administration and more.

Copious Insurance Solutions-Protecting what is important in your life!

Read more]]> Let's face it, not too many of us are retiring at the age of 65 any longer. There are many factors contributing to this, such as people living longer or not having enough money saved for retirement. Also, some people don't want to retire because they love their jobs and still enjoy going to work every day. Did you know that employees who turn 65 have the option of staying on their employer group health plan or switching to a privatized Medicare plan? Employers can't force an employee off of their group plan but from my experience, it makes sense more than 90 percent of the time for the employee to leave their group plan and join Medicare. This is where the secret weapon comes in and becomes a vital asset to both the employer and employee.

As a Medicare specialist, I will analyze the cost, benefit level, implications on dependents who are on the employer plan, and many others elements. I will then make a recommendation for the employee as to whether it is in their best interest to remain on the employer plan or join Medicare. The reason that in most cases it makes sense for the employee to switch to Medicare is that the benefits under Medicare are superior to anything on the individual or group insurance market and usually, they have better access to doctors, hospitals and facilities as well.

This level of service benefits the employer because they are properly educating their valuable employees on the benefits available to them. This allows them to make an informed decision on how they want to handle their own healthcare. It also saves employers thousands of dollars per year because their portion of the monthly insurance premium is reduced when the employee is moved off of the group plan and onto a Medicare plan. In some cases, I will recommend the employer pay for the employee's Medicare Part B for them, while they are still working, as it is much less than their original healthcare contribution.

Have you started to wonder why your current insurance broker has not discussed this option with you? The answer is pretty simple. Most health insurance agents are not licensed to sell Medicare and doing the right thing for the client, takes money out of their pocket when they switch off the group plan and join Medicare. Other agents are not even aware that Medicare benefits are much better than other medical plans.

Here is the best part . . . How much do I charge for providing this helpful, informative and rewarding service? There is no cost at all to the employer or employees. If they decide to move to a Medicare plan and work with me, I am paid by the insurance company of the plan chosen by the employee; therefore, neither the business nor the employee will ever pay a cent for the service I provide.

Do you own a business or work in Human Resources and feel this could be something that can help your employees/business? I would love an opportunity to speak with you.

Read more]]> Blazonco just designed our new website, and we couldn't be happier! Blazonco is a full-service web design company located in sunny San Clemente, California. Getting a website with Blazonco was extremely easy. We worked with one of their professional web designers to plan, create, and launch the site. We can make changes to the website ourselves with their intuitive website admin, but when we need assistance, we get to call in and talk to a real human. They also have a great marketing team who worked with us to craft a custom campaign that includes SEO, social media, email marketing, banners, and more. We're excited to get this campaign going and start driving web traffic to our business. Honestly, it was a pleasure to work with Blazonco. Do yourself a favor and contact them for a free quote.