Monthly Archives: August 2013

Privacy Protection Concerns

Privacy Protection Concerns

This is a very important topic when it comes to allowing people to help us enroll in the new health insurance plans. I am personally held to a very high ethical code and have a lot of responsibility to protect your privacy as a client. North Dakota is on this list of Attorney Generals that is questioning the privacy of your information on the marketplace.

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RETIREMENT? NOT AT THESE PRICES!

Some of you may find yourself in an insurance nightmare. Let me give you an example from hypothetical reality. Lets just say there is a teacher contemplating retirement. As they start the last semester of school before retirement the realization hits them that they are only 62 and will need to find a new health insurance policy. All of a sudden there’s an extra $800 or so they didn’t plan on putting toward an insurance policy every month. Now they took a pay cut AND an insurance increase! It’s no wonder people have heart attacks!¬†This doesn’t always happen and if you are fortunate enough to have Medicare available, check out the website at http://www.medicare.gov and see what’s offered.

Healthcare Subsidies

Here we go! Time to get cracking on this new subsidy information under “Obamacare”. I am still new at blogging and this page will keep getting better as I write more. A link was posted under health insurance for a subsidy calculator with the Kaiser Foundation. Check it out and I’ll keep researching for you.

Cheers!

“Broke but happy”

So many people say the phrase “I’m broke but I’m happy”. I want to argue that depending on the reason you are broke, you may not be happy. Let me give an example. If you bring home a paycheck that helps pay the bills for your household the family expects and anticipates that income. Let’s say you work construction for a living and are on a nature hike with the boy scouts for the weekend. If you break your ankle and get laid up on the couch for a month, will you be happy? Most people can’t afford to fall behind on paychecks. Once you do playing catch-up can take a whole year or mean bankruptcy.

I contend that you don’t have to be broke when laid up on the couch with a little additional pre-planning. If you don’t have money in the bank, or don’t want to use that money to pay bills when you can’t work, think about purchasing a disability policy.