Medicare

Is for indiviudals that are 65 and older or are disabled according to the Social Security Administration.  Medicare can be confusing.  We can present you with information on what Medicare will pay and more importantly what it does not cover.  We can also discuss the health care options that are best for you. Helpful Links:

*   Medicare & You Handbook 2023   *    2023 Choosing a Medigap Policy

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LEARN MORE

Social Security and Medicare alone are not sufficient to maintain your lifestyle during retirement.  The average social security check in May 2018 was around $1,400.00, per ssa.gov.  Programs like Medicare pay for little or no long term care expenses and can also leave huge medical expenses due to deductibles and coinsurance. Without a plan, potential living and long term care expenses may become a significant out-of-pocket responsibility.  Major illnesses and accidents are the major cause of large medical expenses.  We have solutions that will fill the gaps medicare can leave behind, such as deductibles, co-pays, dental, vision and hearing.  ​

Lifestyle Safety helps you plan ahead, giving you more worry-free years. And it’s simplier and more affordable than you might think.

Fill The Gaps

other solutions

Annuities

Annuities can help eliminate one of your fundamental concerns: Outliving your savings. They offer you guaranteed lifetime income payments, which may give you:

• Freedom to fulfill your retirement dreams
• Financial peace of mind
• Flexibility to use your cash however you choose

Unique among insurance products, annuities can offer you:

• Guaranteed lifetime income payments that you can't outlive
• Tax-deferred growth which may minimize the taxes you have to pay when you start receiving payments
• Flexible payout options that can help meet your financial needs

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Long Term Care

These days, we're living longer than ever. And as life spans grow, more of us need long term care. In fact, it's estimated that over 60% of people 65 and over will need long term care assistance during their lives – either at home or in a facility.  Long term care assists people who cannot perform essential daily activities on their own; things like eating, dressing, and using the bathroom. This is usually due to a chronic illness or degenerative condition.

Long term care can be provided in a variety of places, whether at home or at an assisted living facility, a nursing home or other setting. It consists mostly of "custodial care", or assistance with daily activities, rather than medical care that would be covered by your health plan. 

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