Who really wants to think about dying? Buying life insurance means we must face our own mortality and that can be scary. For anyone considering a life insurance policy to protect family and loved ones, we have created the Life Insurance Buyers Guide for . Life Insurance Buyers Guide Most of us push it out...
When it comes to retirement planning, Social Security is one of the most important—and often misunderstood—sources of income. While most people know they’re entitled to benefits, few realize just how much the timing and strategy behind their claim can impact their monthly checks for life. The truth is, a few smart moves can mean the...
Claeys Group Insurance Services has been named top life insurance agency in Tyler, TX by Expertise.com, an independent rating agency that rates financial stability and customer satisfaction. This leading life insurer offers a wide range of coverage options, including term, whole and universal life policies. They also offer a variety of riders that allow...
This article details upcoming changes to Medicare with the Inflation Reduction Act, or IRA. What is the Inflation Reduction Act (IRA)? The Inflation Reduction Act (IRA) is a U.S. law enacted in August 2022, primarily aimed at addressing climate change, reducing healthcare costs, and increasing tax equity. The IRA is designed to tackle inflation through...
With the ever-changing changing economic landscape of late, and with many considering retirement at age 65, it’s helpful to know what expenses you may need to plan for. Today, we will answer the oft-asked question, “How Much Does Medicare Cost at Age 65?”. Our goal in this article is to help readers turning 65 understand...
The Donut Hole & Inflation Reduction Act The Inflation Reduction Act, passed by Congress in 2022, will provide a definite benefit to some seniors beginning in 2025. This act will eliminate the Medicare prescription drug plan coverage gap, which is non-affectionately referred to as the donut hole. How the Donut Hole Works First, let us...
We live in a scam-filled world. Evil people who attempt to scam money or “business” from others continually scheme to come up with ways to do so. Beware of Current Scams Targeting Medicare Beneficiaries In 2024, seniors in the U.S. face several Medicare insurance scams, each designed to trick them into giving away personal information...
Claeys Group Insurance recommends that new Medicare Beneficiaries researching coverage options reach out to an Independent Insurance Agency for best results. Working with an independent agency gives Medicare beneficiaries the peace of mind that they are receiving unbiased advice and the best possible coverage options.” — John Claeys, Founder/CEO TYLER, TEXAS, UNITED STATES, February 15,...
Medicare Open Enrollment period kicks off October 15 and continues through December 7. During this time-frame, most Medicare beneficiaries can make necessary changes to their health and drug coverage options. If you missed your Initial Enrollment Period in October or qualify for a Special Enrollment Period, now is your only chance to enroll for Parts...
This article discusses how to apply for Medicare in Texas and gives an overview of the Medicare application process for Texans. Over 4.4 million Texans currently enroll in Medicare, the federal health insurance program designed for people 65 or over. People younger than 65 with qualifying disabilities such as end-stage renal disease or amyotrophic lateral...