GH2 Unfiltered

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[av_tab_sub_section tab_title=’Basics’ vertical_align=’middle’ icon_select=’no’ icon=’ue800′ font=’entypo-fontello’ tab_image=” tab_image_style=” color=” background_color=” src=” attachment=” attachment_size=” background_attachment=’scroll’ background_position=’top left’ background_repeat=’no-repeat’ av_uid=’av-jxic0teb’]

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[av_heading heading=’The Basics (Start Here)’ tag=’h3′ link_apply=” link=” link_target=” style=” size=” subheading_active=” subheading_size=’15’ margin=” padding=’10’ color=” custom_font=” custom_class=” admin_preview_bg=” av-desktop-hide=” av-medium-hide=” av-small-hide=” av-mini-hide=” av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=”][/av_heading]

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Start Here (VIDEO)
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Show Me the Money
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If It Walks Like a Duck, and Quacks Like a Duck….
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Six Starter Steps to Avoid a Personal Retirement Crisis
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Rule #2: Don’t Confuse Commodity for Specialty
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Benefits Reason Enough to Change Employers? No Question.
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I Have Just One Job

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[av_heading heading=’What Clients Say’ tag=’h3′ link_apply=” link=’manually,http://’ link_target=” style=” size=” subheading_active=” subheading_size=’15’ margin=” padding=’10’ color=” custom_font=” custom_class=” admin_preview_bg=” av-desktop-hide=” av-medium-hide=” av-small-hide=” av-mini-hide=” av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=”][/av_heading]

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[av_heading heading=’Annuities & Income’ tag=’h3′ link_apply=” link=’manually,http://’ link_target=” style=” size=” subheading_active=” subheading_size=’15’ margin=” padding=’10’ color=” custom_font=” custom_class=” admin_preview_bg=” av-desktop-hide=” av-medium-hide=” av-small-hide=” av-mini-hide=” av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=”][/av_heading]

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Social Security File and Suspend: Pros and Cons
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Are the Annuity Haters Right or Wrong? Yes.
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How To: Guaranteed Lifetime Income Annuity & Riders
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The Time for Certain Annuities is Now
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Guaranteed Lifetime Income Riders: Worth It?
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Links to the The Public Pension Timebomb
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State of Georgia Retiree Premiums
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State of Illinois (TRAIL) Retiree
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State of MI Retiree Plans
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TRS Texas
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[av_heading heading=’Maximize Your Medicare’ tag=’h3′ link_apply=” link=’manually,http://’ link_target=” style=” size=” subheading_active=” subheading_size=’15’ margin=” padding=’10’ color=” custom_font=” custom_class=” admin_preview_bg=” av-desktop-hide=” av-medium-hide=” av-small-hide=” av-mini-hide=” av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=”][/av_heading]

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Maximize Your Medicare
Author’s Cut

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[av_heading heading=’Medicare ABCs’ tag=’h3′ link_apply=” link=’manually,http://’ link_target=” style=” size=” subheading_active=” subheading_size=’15’ margin=” padding=’10’ color=” custom_font=” custom_class=” admin_preview_bg=” av-desktop-hide=” av-medium-hide=” av-small-hide=” av-mini-hide=” av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=”][/av_heading]

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Medicare ABCs (2020)
Slides Used for Public Presentations
Updated July 23, 2020

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[av_heading heading=’Medigap’ tag=’h3′ link_apply=” link=’manually,http://’ link_target=” style=” size=” subheading_active=” subheading_size=’15’ margin=” padding=’10’ color=” custom_font=” custom_class=” admin_preview_bg=” av-desktop-hide=” av-medium-hide=” av-small-hide=” av-mini-hide=” av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=”][/av_heading]

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Medigap Protections (“Trial Right”)
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How NOT to Choose a Medigap Plan
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[av_heading heading=’Medicare Carrier Review’ tag=’h3′ link_apply=” link=’manually,http://’ link_target=” style=” size=” subheading_active=” subheading_size=’15’ margin=” padding=’10’ color=” custom_font=” custom_class=” admin_preview_bg=” av-desktop-hide=” av-medium-hide=” av-small-hide=” av-mini-hide=” av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=”][/av_heading]

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Carriers to Watch
Click to listen (link)
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[av_heading heading=’Retiree Benefit Plans’ tag=’h3′ link_apply=” link=’manually,http://’ link_target=” style=” size=” subheading_active=” subheading_size=’15’ margin=” padding=’10’ color=” custom_font=” custom_class=” admin_preview_bg=” av-desktop-hide=” av-medium-hide=” av-small-hide=” av-mini-hide=” av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=”][/av_heading]

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BEFORE Cancelling: Checklist
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Cancelling Retiree Health Benefits: Healthy Retiree but Ill Spouse (Part 1 with Audio)
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Cancelling Retiree Health Benefits: Ill Retiree & Healthy Spouse (Part 2)
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Cancelling Retiree Health Benefits: The Worst Case Scenario Has Arrived
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[av_heading heading=’Federal (FEHB)’ tag=’h3′ link_apply=” link=’manually,http://’ link_target=” style=” size=” subheading_active=” subheading_size=’15’ margin=” padding=’10’ color=” custom_font=” custom_class=” admin_preview_bg=” av-desktop-hide=” av-medium-hide=” av-small-hide=” av-mini-hide=” av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=”][/av_heading]

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Federal Employee Health Benefits
(FEHB) Complete Databank

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Federal Employees (FEHB) and Medicare: How to Choose
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[av_heading heading=’Newsletter Archive’ tag=’h3′ link_apply=” link=’manually,http://’ link_target=” style=” size=” subheading_active=” subheading_size=’15’ margin=” padding=’10’ color=” custom_font=” custom_class=” admin_preview_bg=” av-desktop-hide=” av-medium-hide=” av-small-hide=” av-mini-hide=” av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=”][/av_heading]

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[av_heading heading=’Medicare 2021′ tag=’h3′ link_apply=” link=’manually,http://’ link_target=” style=” size=” subheading_active=” subheading_size=’15’ margin=” padding=’10’ color=” custom_font=” custom_class=” admin_preview_bg=” av-desktop-hide=” av-medium-hide=” av-small-hide=” av-mini-hide=” av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=”][/av_heading]

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Side-By-Side Comparison of Medicare For All Proposals
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Life Insurance Myth #1: Guaranteed for Life
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Life Insurance Myth #2: Final Expense Trickier Than It May Seem
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Cost of Long Term Care (2019)
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Latest Video About Long-Term Care
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Long Term Care Presention (PDF)
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How to Fix Health Insurance Markets


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Short-Term Disability is #1

The benefits are the best, most probable, at the lowest cost. Period.
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Owners: How to Make More Moolah, Almost Certainly
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Owners: YOU Have to Do the Work Yourself
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Small Group Benefits Premiums Are Too Low, Which Means You Buy
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Building a Diversified Portfolio Can Go Wrong
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PIMCO – Beyond Asset Allocation: Three Pillars of a Robust Retirement
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Nationwide: Is the recovery for real?
Bonds may offer a clue.
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Washtenaw County Retiree Health Benefits
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The Everyday Person is Screwed
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When “Rationale” Turns Into Blatant Partisanship, Run
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Accountable Care Organizations Can’t Work Until…
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Apply for Medicare Online
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Apply for Medicare Part B (PDF)
Fax 1-833-914-2016
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SSA Program Operations Manual System (POMS)
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CMS-L564 Request for Employment Information
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SSA-44 Medicare IRMAA Life Changing Event Form 
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SSA-561 Request for Reconsideration
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SSA Program Operations Manual System (POMS)
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IRS Required Minimum Distribution Worksheet
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Private BCBSM Link
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Private Anthem Link
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Private Empire Blue  Link
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Private Amerigroup (Empire) Link
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Private Wellcare Link
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Private Humana Dental/Vision Link
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Private Mutual of Omaha Medigap Link
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Private BCBS Texas Link
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United Healthcare Golden Rule
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AARP UHC Outline of Coverage
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Your Guide to AARP Medicare Supplement Insurance Plans
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Choosing a Medigap Policy
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