Medicare enrollment pitfalls

I see this everyday. An individual enrolls in Medicare and never needs the coverage. Then at some point they need care. The individual finds out that Medicare covers only 80%. What about the 20%? Well, then they think they can obtain a Medicare supplement policy. The individual finds out […]

By |May 1st, 2018|Categories: All|Tags: |

Helicopter Parents?

If you are in the sandwich generation you know what I am talking about. Grown children that have children of their own but also are taking care of their parents. Who in most cases might be turning back into children themselves.

There is a fine line in being a helicopter […]

By |April 25th, 2018|Categories: All|Tags: |

ACA being put back together piece by piece

The affordable care act is being pulled apart at the seems on capitol hill but many of the states are starting to implement working on keeping the ACA together. Here in NJ our government is working on passing the individual mandate for our residents even when the federal individual […]

By |April 16th, 2018|Categories: All|Tags: |

Long Term Care Something to think about

Who is going to care for you? What does the care look like? How much stress is put on your family when a loved one needs to be cared for around the clock? There are many questions to think about when it comes to getting care at home or […]

By |April 12th, 2018|Categories: All|Tags: |

The opioid crisis from an insurance perspective

A recent study from Kaiser shows an astonishing statistic that nearly 4 in 10 people that are addicted to opioids are covered by private insurance. The coverage costs for covering these addicitons jumped to 2.6 billion in 2016 vs 0.3B in 2004.

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By |April 11th, 2018|Categories: All|Tags: |

Smoking could increase your life insurance premium 7x

We all know it now, smoking is not good for your health. Looking to purchase a life insurance policy? If you smoke that is going to cost you. A non-smoker in good health might be able to obtain a $1,000,000 term policy for as little as $400 – $500 […]

By |March 30th, 2018|Categories: All|Tags: |

Elderly in U.S. will outnumber children by 2035

Our parents talk about it all the time, getting older. Many questions face them. Are their finances in good order? Can they take care of themselves? If they need someone to care for them did they have the resources to pay or even go to a facility. Now is […]

By |March 28th, 2018|Categories: All|Tags: |

Individual Medical Insurance premiums set to spike..again

It is something we deal with often in our office often. An individual who does not have the ability to enroll in a group plan. The reasoning might be in between jobs, the employer does not offer benefits or they are sole practitioners. Most of these families in NJ […]

By |March 26th, 2018|Categories: All|Tags: |

Buying a business is more than just numbers

Everyday many people dream of leaving their jobs to “be their own boss” and own a business. When taking that next step remember it is not always about the numbers. Do you think this business fits your personality? Are you good with people? If you don’t look beyond the […]

By |March 23rd, 2018|Categories: All|Tags: |

Do you need life insurance?

To purchase life insurance or not? That is the question. I sit in the middle of this debate. Term insurance has great protections and is inexpensive vs. the death benefit it provides. If you have a young family, a mortgage, college loans, auto loans overhead etc. Term life insurance […]

By |March 20th, 2018|Categories: All|Tags: |