How Many Hours Can You Work and Still Collect Social Security?

From our good friends at: www.gobankingrates.com Working Before Full Retirement Age From the perspective of the Social Security Administration, full retirement age for those born in 1960 or later is 67. If you continue to draw income before you reach full retirement age, the SSA considers you a worker rather than a retiree. As such, some of your benefits may … Read More

Four Factors that make Millennials look at Group LTC

From our friends at www.ltcipartners.com Population Expectations: Millennials are growing to be the largest living adult generation, and in 2019 pew predicts that they will surpass the Boomers as the dominant generation. That also means that they are going to be the largest adult population in the workforce, with their parents or grandparents likely to retire within the next 10 … Read More

Dental Insurance Plans: What’s Covered, What’s Not

From our friends at www.webmd.com What’s Covered, What’s Not If you have dental benefits, do you know what’s in the fine print and what type of plan is best for you? Many Americans — 77% — have dental benefits, the National Association of Dental Plans says. Most people have private coverage, usually from an employer or group program. Large employers … Read More

Cataract Awareness

From our friends at www.preventblindness.org More than half of all Americans age 80 or older either have cataracts or have had surgery to remove cataracts, according to the National Eye Institute (NEI). The Centers for Disease Control and Prevention (CDC) states that cataract is the leading cause of vision loss in the United States, and the leading cause of blindness … Read More

Fix for Affordable Care Act’s “family glitch” on the horizon

From our friends at Axios The Biden administration is reviewing a regulation that experts expect would help close the Affordable Care Act’s “family glitch,” according to a notice filed last week. Why it matters: The regulation could help as many as 5.1 million people get more affordable coverage by addressing an ACA loophole. Details: The family glitch was created by … Read More

Why Small Business Owners Need Life and Disability Insurance

from our friends at Life Happens When you decided to go into business for yourself, your first thoughts were most likely excited ideas of what could go right: more freedom, happy customers, increased earning potential. However, your later thoughts may have turned to what could go wrong as well. That’s where insurance steps in to help. As a small business … Read More

It’s never too early to start thinking about Medicare: Here’s what you should know

Via: Deanna Cuadra https://www.benefitnews.com/news/what-retirees-and-workers-need-to-know-about-medicare Those turning 65 this year likely have retirement and savings on their minds. But do those savings already account for healthcare costs? By the age of 65, the average retired couple — whether they’re enrolled in Medicare or not — needs to have $300,000 saved for healthcare expenses alone, according to the Fidelity Retiree Health Care … Read More

What Or Who Is IRMAA ?

IRMAA stands for Income-Related Monthly Adjustment Amount An IRMAA is a surcharge added to you monthly Medicare Part B and Part D premiums based on your annual income The Social Security Administration (SSA) uses you income tax information from the previous two years to determine if you owe an IRMAA in addition to your monthly premium The surcharge amount you’ll … Read More

A Message from Vanessa Gaytan of Heartland

Do you change Payroll companies each calendar year? Do you sigh every time you have to run payroll for reasons aside from the obvious (money going out)? Tired of not having local representation or calling into a service center overseas? Enough already! Payroll does not need to be a stressful part of your business; it can be simple and streamlined.  … Read More