More Americans Are Drifting Into And Dying In Poverty

By Bill Broich According to 2014 census data, 10% of those 65 and older fell below the official poverty measure. That number rose to 14.4% by 2016. A big reason for this is that older people are more likely to use costly services like staying overnight in a hospital or in a skilled nursing home. What is Read more >>

Boston College Report about Medicare Drug Program

Boston College Report about Medicare Drug Program If you have been wondering about the new Medicare Drug Program, you are not alone. Singularly, this new change in Medicare signifies an attitude towards those needing the service and those who are able to pay. Boston College’s Center for Retirement Research’s recent report noted key findings such Read more >>

Dad Goes To Day Care

By Bill Broich There comes a time in the natural evolution of life that it makes sense to look for outside help when caring for your parents. Dad was still very vital and mostly self-sufficient but he was bored and needed more to keep himself occupied. The idea of finding an adult day care for Read more >>

See What The Insurance Industry Has Planned For Us

By Bill Broich Remember HAL in 2001, a Space Odyssey? It seemed at the time that space travel was something for the movies and yet, look what has happened. The future they say is now. That is going to be the truth for our industry, the annuity, life insurance and long-term care insurance industry. The Read more >>

The Importance Of Dental Health For Senior Citizens

The importance of observing dental hygiene stretches beyond just a smile. As teeth are one of the busiest organs of the human body, they need to be taken care of with utmost priority. Our oral health (dental health) is often neglected by our recklessness in eating habits and hygiene routines. Our overall wellbeing is dependent Read more >>

Baby Boomers And Mortgage Debt

I remember when our church in Emmett Idaho finally was able to retire the mortgage. Our parish had a pot luck dinner; several parish members spoke, including my mother, and then a ceremony to burn the mortgage. I was 11 years old then and knew nothing of money or a mortgage, what I do remember Read more >>

Physicians And The Affordable Care Act

By Bill Broich Increasingly, medical providers are making the decision to not handle Medicare patients any longer; instead they are offering the services to those over age 65 with their true cost of services being billed. The Medicare enrollee has no viable option of asking Medicare for reimbursement and is faced with a choice, pay Read more >>

Dental Care and the Baby Boomer Generation

By Bill Broich Good oral health care is synonymous with overall good health, as a matter of fact, good oral hygiene is essential to wellbeing. By not caring properly for your teeth can mean a buildup of bacteria leading to a myriad of diseases including gum disease. Also, small droplets of saliva from a non-protected Read more >>

Higher Medicare Premiums Are Coming

By Bill Broich Beginning in 2014, new rules were put in place governing the premiums paid for higher earners. If adjusted gross income (AGI) (which includes earned interest and tax exempt interest (municipal bonds) is over $85,000 for single taxpayers or $170,000 for married couples, they will be subject to the income related monthly adjustment Read more >>

Transparency: Welcome To The Future

Transparency should be embraced by agents, insurance companies and our consuming public should demand it. Transparency will make us better agents and will make insurance companies better product providers.