Do You Have Disability Insurance?

If an injury or illness kept you out of work, would disability insurance pay your bills?

Do you have disability insurance(BPT) – You helped friends move their furniture; now your back is so sore you can’t move. You could be out of work and unable to collect at least three paychecks.

Your doctor says you’ve eaten your last bacon-wrapped hot dog, or your health could keep you out of work for four paychecks.

You made a diving catch to clinch the win for the company softball team. Though you were carried off the field a hero, you’ll be away from the office for eight paychecks.

We’re all temporarily able-bodied – no one is immune from an unexpected illness or injury. One in four of today’s 20-year-olds will experience a disability before they hit retirement age, according to a June 2016 Social Security Administration fact sheet.

Back injuries, heart attacks, knee replacements or View full post…

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Medicare Facts & Myths

Health care costs in retirement: Medicare Facts & Myths

Medicare facts & myths(BPT) – As their 65th birthday looms, many people eagerly anticipate the affordable access to health care that Medicare will provide. After all, Medicare covers everything, right? Not exactly. Because of this common misconception, many people are caught off guard when they realize that each one of the dozens of Medicare options available to them comes with its own set of out-of-pocket cost implications. In fact, a survey of the newly retired found 43 percent are spending more on health care than they had planned & have a hard time understanding Medicare Facts & Myths.

The more you know about Medicare plans and costs, the better prepared you’ll be to avoid unpleasant surprises. Think you’re savvy enough to discern myth from fact when it comes to your health care costs in retirement? Read on to put your knowledge to the test.

Myth: When comparing Medicare plans, it’s best to choose the lowest-premium option to help minimize your costs.

Fact: While premiums are an important factor when choosing a health care plan, they should View full post…

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Enrolling in Medicare

Enrolling In Medicare: 5 allies who can help

Enrolling in Medicare(BPT) – Enrolling in Medicare for the first time or starting coverage under a new plan? It might bring you back to that first day starting a new job. You knew some of the basics, but you also knew there was a lot more to learn. More than likely, you got help from colleagues who have been around for a while and helped show you the ropes.

Don’t worry. With Medicare, you have the same kind of knowledgeable support. You’ve got a team on your side that can help make navigating the health care system easier. Goodbye hassles, hello helpers.

Here are five allies in your corner:

1. Your Primary Care Physician. This physician is the “go-to” doctor who provides guidance on your health care needs, taking the time to really get to know you, your medical history and View full post…

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