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Hyers and Associates, Inc. Insur
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66 articles
2011 Medicare Open Enrollment Annual Election Period
From Hyers and Associates, Inc. Insur, 3 month ago, Read 0 times. Similar articles
Get a Quote »The 2011 Medicare open enrollment window is almost upon us. Otherwise known as the Annual Election Period or AEP for short, this period of time can be used by Medicare beneficiaries to switch insurance plans.
The dates are a little different this year as the window starts and ends early. AEP will run from October 15, 2011 to December 7, 2011. It is important however to remember what changes can and can’t be made during this window of time.
Disenrolling From Medicare...
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Using A Secondary Payer To Lower Group Health Insurance Premiums
From Hyers and Associates, Inc. Insur, 3 month ago, Read 0 times. Similar articles
Get a Quote »Rising group health insurance rates are one of the most significant expenses facing businesses and groups of all sizes. Premiums can increase year over year by 10% or more as insurance carriers struggle with rising medical costs and new benefit requirements.
Companies and groups who wish to offer low deductible, high benefit plans are experiencing rate increases that are in many cases forcing them to switch providers, increase employee contributions, and/or enroll in less...
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Using An Annuity Policy To Pay For Long Term Care Insurance
From Hyers and Associates, Inc. Insur, 3 month ago, Read 0 times. Similar articles
Get a Quote »The Pension Protection Act of 2006 became law in January of 2010. The new law offers several provisions incentivizing the purchase of long term care insurance coverage.
One significant component of the new law allows you to use what would normally be taxable annuity dollars to purchase a long term care insurance policy.
This provision can be very useful if you have significant tax-deferred accumulation in a non-qualified annuity and wish to purchase long term care...
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Annuity Income Rider Examples
From Hyers and Associates, Inc. Insur, 3 month ago, Read 0 times. Similar articles
Get a Quote »Planning for retirement income is an often overlooked but necessary piece of any financial plan. Some retirees rely on stocks and bonds, others opt for annuity accounts, and many use a mixture of both in order to diversify their assets.
Annuities have grown in popularity based on their unmatched safety record and the guaranteed lifetime income they provide. There are two classes of annuities used for future income; immediate and deferred accounts. This post will mostly...
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Understanding Joint, Linked And Shared Long Term Care Insurance Coverage
From Hyers and Associates, Inc. Insur, 3 month ago, Read 0 times. Similar articles
Get a Quote »There are significant differences between joint and linked long term care insurance policies. One type allows for couples to share a policy while the other allows a husband or wife to tap into the benefits of their spouse’s policy.
There are certain advantages to each type of LTC policy and through the help of an agent, couples can usually decide which insurance best fits their present and future needs.
Linked Long Term Care Insurance Coverage
Linked policies simply allow...
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Retiree Health Insurance Options
From Hyers and Associates, Inc. Insur, 3 month ago, Read 0 times. Similar articles
Upon retirement, you may lose the group health insurance coverage offered from your employer. In some cases, the insurance can be extended for a short period of time, but in most others it may discontinue altogether or become too expensive to maintain.
The dividing line for most retirees is age 65. If you are younger than age 65 and you cannot continue your group health insurance coverage for any reason, the next best option is to purchase an individual or family plan from a provider such...
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Is An Annuity A Good Or Bad Investment'
From Hyers and Associates, Inc. Insur, 3 month ago, Read 0 times. Similar articles
Compared to what' Is an annuity a good investment if you had invested the majority of your dollars with Bernie Madoff or Alan Stanford' How about if you invested in Countrywide, General Motors, Lehman Brothers, Enron, WorldCom Inc, Citi Group, Fannie Mae or Feddie Mac' Or maybe you were unlucky enough to have saved over and above what was insured at banks like Washington Mutual, IndyMac or Colonial Bank among many other large and small banks that have recently failed.
Hindsight is...
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High Deductible Plan F Medicare Supplement Insurance Rates
From Hyers and Associates, Inc. Insur, 3 month ago, Read 0 times. Similar articles
Get a Quote »A high deductible Plan F Medicare supplement is a good choice for those who desire lower monthly premiums on their supplemental insurance. There are only a select few companies offering HD Plan F, so consumers will only be able to compare prices from a handful of providers.
Conversely, traditional supplemental Plan F is offered by all providers and can be a better choice for those who do not wish to meet a deductible each year. Monthly premiums will be higher for traditional...
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Combination Insurance Plans ? Medicare Supplements and Funeral Expense Policies
From Hyers and Associates, Inc. Insur, 3 month ago, Read 0 times. Similar articles
Get a Quote »Seniors eligible for government Medicare are sometimes in search of combination insurance policies that will cover both the gaps in Medicare and final expenses associated with a funeral. Fortunately, there are a few companies that offer both coverages on one application making it easier to insure both needs.
Insurance providers such as Mutual of Omaha, Forethought Life, Sentinel Life and American Continental (to name a few) all allow applicants to combine Medicare supplement...
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Combination Insurance Plans - Medicare Supplements and Funeral Expense Policies
From Hyers and Associates, Inc. Insur, 10 month ago, Read 1 times. Similar articles
Get a Quote »Seniors eligible for government Medicare are sometimes in search of combination insurance policies that will cover both the gaps in Medicare and final expenses associated with a funeral. Fortunately, there are a few companies that offer both coverages on one application making it easier to insure both needs.
Insurance providers such as Mutual of Omaha, Forethought Life, Sentinel Life and American Continental (to name a few) all allow applicants to combine Medicare supplement and...
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