Zero If you choose to let us help you enroll in a Medicare Supplement plan, a Medicare Advantage Plan, a Part D Prescription drug plan, or want to acquire burial insurance, then the insurance companies pay us directly. You never pay us anything.

We help people across the nation navigate the Social Security, Medicare, and Medicaid bureaucracies to make sure you are receiving everything you are eligible for.

There are dozens of federal, state, local, and private benefit programs available. They are complicated and difficult individually but even more difficult when trying to figure out how they interact with each other. By applying for one program you might lose eligibility for another more generous benefit. We have decades of inside experience and can help you navigate the entire system to make sure you get everything you are eligible for. Medicare insurance agents, for example, can certainly help you enroll in a Medicare plan but don't have the proper training to assist you with anything else. We know by experience that government employees are too busy to review all your options and are also not authorized to provide recommendations outside of their particular agencies. As FORMER government employees we have the experience, training, AND freedom to spend as much time as needed with each and every one of our clients. And we are not restricted by bureaucratic territorial limitations. We know the system because we WERE the system!

Yes, it is possible to receive Social Security benefits based on your ex-spouse's work record if you are divorced, but you must meet certain requirements. To be eligible for benefits based on your ex-spouse's work record, you must: 1. Have been married to your ex-spouse for at least 10 years 2. Be at least 62 years old 3. Be unmarried (if you are married, you cannot receive benefits based on your ex-spouse's work record unless your current spouse is deceased or you are entitled to a higher benefit based on your current spouse's work record) 4. Be entitled to a lower benefit based on your own work record If you meet these requirements, you may be eligible to receive up to 50% of your ex-spouse's full retirement benefit amount. If you are eligible for both your own benefits and benefits based on your ex-spouse's work record, you will receive the higher of the two amounts. If you are eligible for survivor benefits based on your ex-spouse's work record and you are also eligible for benefits based on your own work record, you will receive the higher of the two amounts. If you have questions about your eligibility for benefits based on your ex-spouse's work record, you should contact the Social Security Administration for more information or give us a call so we can walk through the entire process. 888-817-0446

Yes, you can receive Social Security retirement benefits and work at the same time. However, your benefits may be reduced if you earn more than a certain amount of money. This earnings limit only applies to people who are below full retirement age (which is currently 66 years old for people born between 1943 and 1954). If you are below full retirement age for the entire year, $1 in benefits will be withheld for every $2 you earn above the annual limit. In the year you reach full retirement age, the earnings limit is higher, and $1 in benefits will be withheld for every $3 you earn above the limit until the month you reach full retirement age. Once you reach full retirement age, there is no limit on how much you can earn and still receive your full Social Security retirement benefits. It is important to note that if you receive Social Security disability benefits, the rules are different. If you are receiving disability benefits and return to work, your benefits may be reduced or stopped depending on the amount of money you earn. If you have questions about how your benefits may be affected if you return to work, you should contact the Social Security Administration for more information or give us a call (888-817-0446) so we can make sure you are receiving all the Social Security and Medicare benefits you are eligible for.

Yes, you may be able to receive Social Security survivor benefits if you are the spouse, child, or parent of a worker who has died and who was insured under the Social Security program. To be eligible for survivor benefits, you must meet certain requirements, such as being the spouse or child of the deceased worker, being at least 60 years old, or being disabled. If you are the spouse of the deceased worker, you may be eligible for survivor benefits if you were married to the worker for at least nine months at the time of death (however, there are exceptions so please give us a call so we can review your case). If you were married to the worker for less than nine months at the time of death, you may still be eligible for survivor benefits if you can show that the death was accidental or that it was caused by a disease or injury that arose out of the worker's employment. If you are the child of the deceased worker, you may be eligible for survivor benefits if you are under 18 years old or if you are 18 years old or older but are disabled and became disabled before the age of 22. If you are the parent of the deceased worker, you may be eligible for survivor benefits if you are at least 62 years old and were dependent on the worker for at least half of your support. The amount of your survivor benefit will depend on the earnings and benefit amount of the deceased worker, as well as on your own age and other factors. If you have questions about your eligibility for survivor benefits or about the application process, you should contact the Social Security Administration for more information or give us a call so we can walk you through the entire process. 888-817-0446

If you receive a notice from the Social Security Administration (SSA) stating that you have been overpaid, you have the right to appeal the decision. Here is how you can appeal an SSA overpayment: 1. Review the notice carefully and make sure you understand the reasons for the overpayment. 2. If you believe the overpayment is a mistake, or if you have a good reason for not repaying the overpayment, you can appeal the decision by writing a letter to the SSA. In your letter, explain why you think the overpayment is incorrect and provide any evidence to support your claim. 3. You can also request a waiver of the overpayment if you are unable to repay it. To do this, you will need to fill out a waiver request form and provide evidence of your financial hardship. 4. Submit your appeal or waiver request within 60 days of the date on the notice of overpayment. 5. The SSA will review your appeal or waiver request and make a decision. If your request is denied, you have the right to request a hearing before an administrative law judge. It's important to act quickly if you receive a notice of overpayment from the SSA. If you don't appeal or request a waiver within the allotted time, you may lose your right to challenge the overpayment. If you have any questions or need help with the appeal process, you can contact the SSA directly for assistance or give us a call and we can help you through the entire process.

The Windfall Elimination Provision (WEP) reduces the amount of Social Security retirement or disability benefits that a person may receive if they also receive a pension from work that was not covered by Social Security. The WEP reduces the benefit by applying a formula to the person's primary insurance amount (PIA), which is the amount of the Social Security benefit that they would receive if they did not receive a pension from work that was not covered by Social Security. The formula for calculating the WEP reduction is: WEP reduction = WEP factor x (pension amount / highest average indexed monthly earnings (AIME)) The WEP factor is a percentage that is used to determine the size of the reduction. The WEP factor is different depending on the year the person became eligible for both the Social Security benefit and the pension from work that was not covered by Social Security. The pension amount is the amount of the pension that the person receives from work that was not covered by Social Security. The highest AIME is the highest average indexed monthly earnings that the person had during any 35-year period in their work history. The AIME is adjusted for wage inflation, so that it reflects the purchasing power of the person's earnings at the time they were earned. The WEP reduction is subtracted from the person's PIA to determine their reduced benefit amount.

If you start receiving your Social Security retirement benefits at 62, your benefits will be reduced by a certain percentage for each month that you receive benefits before your full retirement age (FRA). Your FRA depends on the year you were born. The reduction in benefits for starting at age 62 is about 25% for those with an FRA of 66, and about 30% for those with an FRA of 67. This means that if your FRA is 66, you will receive about 75% of your full retirement benefit if you start receiving benefits at age 62. If your FRA is 67, you will receive about 70% of your full retirement benefit if you start receiving benefits at age 62. The exact amount that you will lose by starting your retirement benefits at 62 will depend on your individual circumstances, including your FRA, your earnings history, and the age at which you choose to start receiving benefits. If you have any questions about the impact of starting your retirement benefits at 62 on your benefits and to review all your options, give us a call for a free consultation. 888-817-0446

Your full retirement age (FRA) for Social Security is the age at which you are eligible to receive your full Social Security retirement benefits. Your FRA depends on the year you were born. If you were born: - Between 1943 and 1954, your FRA is 66. - In 1955, your FRA is 66 and 2 months. - In 1956, your FRA is 66 and 4 months. - In 1957, your FRA is 66 and 6 months. - In 1958, your FRA is 66 and 8 months. - In 1959, your FRA is 66 and 10 months. - In 1960 or later, your FRA is 67. If you start receiving benefits before your FRA, your benefits will be reduced by a certain percentage for each month that you receive benefits before your FRA. If you start receiving benefits after your FRA, your benefits will be increased by a certain percentage for each month that you delay receiving benefits until you reach age 70. If you have any questions about your full retirement age for Social Security or the best time to apply, give us a call at 888-817-0446.

As a homemaker, you may be able to receive Social Security benefits based on your own work record if you have enough credits from paid work. You may also be able to receive benefits based on the work record of your spouse or ex-spouse if you meet certain requirements. To be eligible for benefits based on your own work record, you must have worked and paid into the Social Security system for a certain number of years, depending on your age at the time you apply for benefits. In general, you need to have worked and paid into the system for at least 10 years to be eligible for retirement benefits. If you have not worked outside the home or have not worked long enough to qualify for benefits based on your own work record, you may still be able to receive benefits based on the work record of your spouse or ex-spouse if you meet certain requirements. For example, if you are the spouse of a worker who has died, you may be eligible for survivor benefits if you were married to the worker for at least nine months at the time of death. If you are the spouse of a worker who is receiving retirement benefits, you may be eligible for benefits based on your spouse's work record if you are at least 62 years old. If you are the ex-spouse of a worker, you may be eligible for benefits based on your ex-spouse's work record if you were married to the worker for at least 10 years, are at least 62 years old, and are not currently married. The amount of your benefit will depend on your own or your spouse's or ex-spouse's work record and benefit amount, as well as on your own age and other factors. If you have questions about your eligibility for Social Security benefits, you should contact the Social Security Administration for more information or give us a call so we can walk your through the entire process. 888-817-0446

To apply for Social Security disability (SSD) benefits, you can: 1. Apply online at the Social Security Administration's (SSA) website. 2. Call the SSA's toll-free number at 1-800-772-1213 to make an appointment with your local SSA office. 3. Visit your local SSA office to apply in person. When you apply, you will need to provide information about yourself, your work history, and your medical condition(s). It's a good idea to gather all of the necessary documents before starting your application. You will need to provide: - Your Social Security number and proof of your age - Your birth certificate or other proof of your age - Your W-2 forms or self-employment tax returns for the past year - Your medical records and test results from your doctors, hospitals, and clinics - A list of the medications you are taking and their dosages - A list of the medical treatments you have received It's important to be as thorough as possible when completing your application. The more information you provide, the easier it will be for the SSA to process your claim. If you have any questions or need help with the application process, you can contact the SSA directly or give us a call and we can help you navigate the system. 888-817-0446

The Government Pension Offset (GPO) is a provision in the Social Security Act (SSA) that reduces the amount of Social Security spousal or survivor benefits that a person may receive if they also receive a pension from work with a federal, state, or local government agency that did not deduct Social Security taxes from their pay. The GPO does not apply to pensions from work that was covered by Social Security, such as work in the private sector or work with a foreign employer. The GPO reduces the benefit by applying a formula to the person's Social Security spousal or survivor benefit. The formula for calculating the GPO reduction is: GPO reduction = (pension amount / 2) x GPO factor The GPO factor is a percentage that is used to determine the size of the reduction. The GPO factor is currently set at 2/3. The pension amount is the amount of the pension that the person receives from work with a federal, state, or local government agency that did not deduct Social Security taxes from their pay. The GPO reduction is subtracted from the person's Social Security spousal or survivor benefit to determine their reduced benefit amount.

Yes, you can appeal a decision made by the Social Security Administration (SSA) if you disagree with the decision. The appeals process for Social Security decisions is divided into four levels: 1. Reconsideration: This is the first level of appeal. To request reconsideration, you must submit a request in writing within 60 days of the date of the notice of the decision that you are appealing. During the reconsideration process, your claim will be reviewed by someone who did not make the original decision on your claim. 2. Hearing: If you are not satisfied with the decision made during the reconsideration process, you can request a hearing before an administrative law judge. You must request a hearing within 60 days of the date of the reconsideration decision notice. 3. Appeals Council: If you are not satisfied with the decision made at the hearing level, you can request a review by the Appeals Council. The Appeals Council is a part of the SSA that reviews decisions made by administrative law judges. 4. Federal court: If you are not satisfied with the decision made by the Appeals Council, you can file a lawsuit in a federal district court. It is important to note that you must complete each level of the appeals process before moving on to the next level. You should also be aware that there are time limits for requesting each level of appeal, and it is important to meet these time limits to preserve your right to appeal. If you have any questions about the appeals process for Social Security decisions, give us a call at 888-817-0446

Social Security calculates your benefits based on your lifetime earnings and the age at which you choose to start receiving benefits. To calculate your benefits, Social Security looks at your highest 35 years of earnings and adjusts them for inflation. The adjusted earnings are then divided by the number of months in 35 years (420) to get an average monthly earnings amount. Social Security uses a formula to determine the amount of your benefit based on your average monthly earnings. The formula is designed to provide higher benefits to those who had lower lifetime earnings and to those who start receiving benefits at a later age. If you start receiving benefits at: - Full retirement age (FRA), which is 66 or 67 depending on the year you were born, you will receive the full benefit amount that you are entitled to based on your earnings record. - Before FRA, your benefits will be reduced by a certain percentage for each month that you receive benefits before your FRA. - After FRA, your benefits will be increased by a certain percentage for each month that you delay receiving benefits until you reach age 70. If you have any questions about how your benefits are calculated or the best time to apply, give us a call at 888-817-0446.

The Social Security Lump Sum Death Payment is a one-time payment made by the Social Security Administration (SSA) to the surviving spouse or minor children of a deceased worker who was covered by Social Security. The payment is made to help with the immediate financial needs of the surviving family members. To be eligible for the Lump Sum Death Payment, the surviving spouse or children must be living in the United States or a U.S. territory, and the deceased worker must have been receiving Social Security benefits or be eligible for benefits at the time of death. The amount of the Lump Sum Death Payment is $255. If the deceased worker was receiving Social Security benefits at the time of death, an additional payment may be made to the surviving spouse or children if they are eligible for survivors benefits. If you are the surviving spouse or child of a deceased worker and you believe you may be eligible for the Lump Sum Death Payment, please contact us for help. 888-817-0446

Yes, it is possible to receive Social Security benefits and unemployment benefits at the same time, but the amount of your unemployment benefits may affect the amount of your Social Security benefits. If you are receiving unemployment benefits and are also eligible for Social Security retirement or disability benefits, you can choose to receive either unemployment benefits or Social Security benefits, but not both. If you are receiving unemployment benefits and you apply for Social Security benefits, you will have to decide which type of benefits you want to receive. If you are receiving Social Security benefits and you also become eligible for unemployment benefits, the amount of your unemployment benefits may be reduced by the amount of your Social Security benefits. This is because unemployment benefits are intended to replace lost wages, and your Social Security benefits are considered a source of income. If you have any questions about receiving Social Security benefits and unemployment benefits at the same time, give us a call so we can review all you options. 888-817-0446

TWP stands for trial work period. A trial work period is a period of time during which a person who is receiving Social Security disability benefits can test their ability to work and to see if their disability has improved to the point where they can work on a regular basis. The trial work period is a nine-month period during which a person can earn as much as they want without losing their disability benefits. The trial work period is designed to give people who are receiving disability benefits the opportunity to try to return to work and to see if they can perform substantial gainful activity (SGA) on a regular basis. SGA is a level of work activity that is considered sufficient to support a person financially. If a person is able to work and earn more than the SGA amount during their trial work period, their disability benefits will be terminated. However, if a person is not able to work or earn more than the SGA amount during their trial work period, they may be eligible for an extended period of eligibility (EPE), during which they can continue to receive disability benefits for an additional 36 months. If you are receiving Social Security disability benefits and are considering returning to work, it is important to contact the Social Security Administration (SSA) to discuss your plans and to find out how your benefits may be affected. The SSA can provide you with more information about the trial work period and other rules that apply to returning to work while receiving disability benefits.

Yes, you may be able to receive Social Security disability benefits if you are unable to work due to a disability. To be eligible for disability benefits, you must have a medical condition that is expected to last at least one year or result in death, and you must meet certain work requirements. To qualify for disability benefits, you must have worked and paid into the Social Security system for a certain number of years, depending on your age at the time you became disabled. In general, the younger you are when you become disabled, the fewer years you need to have worked to be eligible for disability benefits. In addition to the work, there are also other eligibility requirements for Social Security disability benefits, including age and citizenship requirements. If you have questions about your eligibility for Social Security disability benefits, you should contact the Social Security Administration for more information or call us so we can walk you through the process 888-817-0446. If you are applying for disability benefits, it is important to gather as much medical and other supporting evidence as possible to help establish your claim. This may include medical records, test results, and statements from your doctors and other healthcare providers. If you are approved for disability benefits, the amount of your monthly benefit will depend on your average lifetime earnings covered by Social Security. The Social Security Administration will review your case periodically to determine if you are still disabled and eligible for benefits. Make sure to give us a call so we can help you navigate the system. 888-817-0446

It is generally possible to stop receiving Social Security disability benefits if you go back to work, but there are certain rules and limitations that apply. If you are receiving Social Security disability benefits and you go back to work, the Social Security Administration (SSA) may consider you to be "engaging in substantial gainful activity" (SGA). If you are found to be engaging in SGA, you may no longer be eligible for disability benefits. The amount of income that is considered SGA depends on your specific circumstances, such as your age and the type of work you are doing. If you are found to be engaging in SGA, your disability benefits will be terminated. However, you may be eligible for a trial work period (TWP) during which you can continue to receive disability benefits while you are working. The TWP allows you to test your ability to work and to see if your disability has improved to the point where you can work on a regular basis. The TWP is a nine-month period during which you can earn as much as you want without losing your disability benefits. After the TWP has ended, you may be eligible for an extended period of eligibility (EPE), during which you can continue to receive disability benefits for an additional 36 months if you are not earning more than the SGA amount. If you are considering returning to work while receiving disability benefits, it is important to contact the SSA to discuss your plans and to find out how your benefits may be affected. The SSA can provide you with more information about the rules and limitations that apply to returning to work while receiving disability benefits.

Social Security survivors benefits are paid to the surviving spouse, children, and other dependents of a deceased worker who was covered by Social Security. The amount of survivors benefits that you will receive depends on several factors, including the age of the survivor, the relationship to the deceased worker, and the earnings of the deceased worker. For children of the deceased worker, the benefit amount is based on the earnings of the deceased worker and is paid until the children reach the age of 18 (or 19 if they are still in high school). The benefit amount is up to 75% of the deceased worker's full retirement benefit. Other dependents of the deceased worker, such as parents and dependent siblings, may also be eligible for survivors benefits if they were dependent on the deceased worker for support. The benefit amount for these dependents is based on the earnings of the deceased worker and is up to 82.5% of the deceased worker's full retirement benefit. The exact amount of survivors benefits that you will receive will depend on your individual circumstances, including the age of the survivor, the relationship to the deceased worker, and the earnings of the deceased worker. If you have any questions about the amount of survivors benefits that you may be eligible for or applying for benefits, please give us a call so we can review all your options. 888-817-0446

Yes, you can receive Social Security benefits and also receive workers' compensation benefits at the same time. However, the amount of your workers' compensation benefits may affect the amount of your Social Security benefits. If you are receiving both Social Security benefits and workers' compensation benefits, your workers' compensation benefits may be reduced by an amount called the workers' compensation offset. The workers' compensation offset is the amount by which your Social Security benefits exceed an amount called the exempt amount. The exempt amount is 80% of your average current earnings, which is the amount you would have received if you had retired at your full retirement age (FRA). For example, if you are receiving workers' compensation benefits of $1,000 per month and your Social Security benefits are $1,200 per month, your workers' compensation benefits will be offset by $200 per month, because $1,200 is greater than the exempt amount of $800 (80% of your average current earnings). In this case, you will receive a total of $1,000 per month in benefits, consisting of $800 in workers' compensation benefits and $200 in Social Security benefits. If you have any questions about the workers' compensation offset and how it will affect your benefits, give us a call so we can review all your options. 888-817-0446

EPE stands for extended period of eligibility. An extended period of eligibility (EPE) is a period of time during which a person who is receiving Social Security disability benefits can continue to receive benefits if they are not able to work or earn more than the substantial gainful activity (SGA) amount. The SGA amount is the level of work activity that is considered sufficient to support a person financially. The SGA amount is determined by the Social Security Administration (SSA) and may vary depending on the person's age and the type of work they are doing. If a person is able to work and earn more than the SGA amount, their disability benefits will be terminated. However, if a person is not able to work or earn more than the SGA amount, they may be eligible for an EPE. During the EPE, a person can continue to receive disability benefits for an additional 36 months, even if they are not earning more than the SGA amount. The EPE is available to people who have completed a trial work period (TWP) and who are not able to work or earn more than the SGA amount. The TWP is a nine-month period during which a person can earn as much as they want without losing their disability benefits. The TWP is designed to give people who are receiving disability benefits the opportunity to try to return to work and to see if they can perform SGA on a regular basis. If you are receiving Social Security disability benefits and are considering returning to work, it is important to contact the SSA to discuss your plans and to find out how your benefits may be affected. The SSA can provide you with more information about the EPE and other rules that apply to returning to work while receiving disability benefits.

The amount of your Social Security benefit is based on your average earnings during your working years. The Social Security Administration uses a formula to calculate your benefit amount. The formula takes into account the number of years you have worked and the amount of money you have earned, and it adjusts for inflation. The higher your earnings, the higher your benefit will be. If you are receiving Social Security benefits, your benefit amount may be reduced if you earn above a certain amount of money from work or if you receive other forms of income, such as pensions or annuities. The Social Security Administration will review your benefit amount each year to see if it needs to be adjusted based on your current income and other factors.

Social Security benefits may be subject to federal income tax, depending on the recipient's income and filing status. The amount of Social Security benefits that is subject to tax is determined by a formula set forth in the Internal Revenue Code. In general, up to 50% of a person's Social Security benefits may be subject to tax if their income exceeds a certain threshold. The threshold for 2022 is $25,000 for single filers and $34,000 for joint filers. If a person's income is above these thresholds, the amount of their benefits that is subject to tax is determined by the following formula: - If the person's income is above the threshold but below $34,000 for single filers or $44,000 for joint filers, up to 50% of their benefits may be subject to tax. - If the person's income is above these higher thresholds, up to 85% of their benefits may be subject to tax. It is important to note that these thresholds and the formula for determining the amount of benefits that are subject to tax may change from year to year. It is also important to note that state income tax laws may vary and that some states do not tax Social Security benefits at all. If you have questions about whether your Social Security benefits are subject to tax, you may want to consult a tax professional or refer to the Internal Revenue

If you are eligible for Social Security benefits, you can start receiving them as early as age 62. To qualify for retirement benefits, you must be 62 years old and have worked at least 40 quarters (10 years) during your lifetime.

The Windfall Elimination Provision (WEP) was added to the Social Security Act in 1983 as part of a package of reforms to the Social Security program. The WEP was intended to address concerns that some people were receiving higher benefits than they would have been entitled to under the regular Social Security benefit formula, because they also received a pension from work that was not covered by Social Security. Before the WEP was enacted, people who were entitled to both a Social Security benefit and a pension from work that was not covered by Social Security would receive a higher benefit than they would have received if they had only received the Social Security benefit. This was because the regular Social Security benefit formula was designed to provide a higher benefit to people who had lower lifetime earnings, and many people who received a pension from work that was not covered by Social Security had lower lifetime earnings than people who only received a Social Security benefit. The WEP was intended to reduce the benefit for people who received a pension from work that was not covered by Social Security, so that their total benefit would be more in line with what they would have received if they had only received the Social Security benefit.

The Windfall Elimination Provision (WEP) is a provision in the Social Security Act (SSA) that reduces the amount of Social Security retirement or disability benefits that a person may receive if they also receive a pension from work that was not covered by Social Security. The WEP is intended to eliminate the "windfall" that a person may receive if they receive a Social Security benefit in addition to a pension from work that was not covered by Social Security. This provision applies to people who are entitled to both a Social Security benefit and a pension from work that was not covered by Social Security, such as work in a government job or a job with a foreign employer. The WEP does not apply to pensions from work that was covered by Social Security.

Social Security is a social insurance program run by the United States government that provides a range of benefits to eligible American workers and their families. The program was created in 1935 as part of the New Deal and has been amended several times over the years. Some of the benefits provided by Social Security include retirement benefits, disability benefits, Medicare, and survivor benefits. The program is funded through a payroll tax paid by workers and their employers.

There are several ways to apply for Social Security benefits: 1. Online: You can apply for retirement, disability, and Medicare benefits online at the Social Security Administration's website (www.ssa.gov). 2. By phone: You can call the Social Security Administration's toll-free number (1-800-772-1213) and make an appointment to apply for benefits over the phone. 3. In person: You can make an appointment to apply for benefits at your local Social Security office. You can find your nearest Social Security office by using the office locator on the Social Security Administration's website (www.ssa.gov). To apply for benefits, you will need to provide certain information, such as your name, date of birth, Social Security number, and employment history. You may also need to provide proof of your identity and other documents, depending on the type of benefit you are applying for. It is a good idea to apply for benefits as soon as you are eligible, as there may be a waiting period before your benefits start. If you have any questions about the application process, you can contact the Social Security Administration for assistance.

It is possible to receive Social Security retirement benefits and benefits from another country at the same time. However, whether you can receive both types of benefits and how much you can receive may depend on the specific rules of the other country's social security system and any agreements that the United States has with that country. In some cases, you may be able to receive benefits from both the United States and another country without any reduction in either benefit. This can happen if the United States has a Totalization Agreement with the other country. A Totalization Agreement is an agreement between the United States and another country that helps to coordinate their social security systems so that people who have worked in both countries do not have to pay social security taxes to both countries on the same income. Totalization agreements also provide for the payment of benefits to people who are entitled to benefits from both countries. If the United States does not have a totalization agreement with the other country, you may still be able to receive benefits from both countries, but your benefits may be reduced. The amount of the reduction will depend on the rules of the other country's social security system. If you have questions about receiving benefits from both the United States and another country, you should contact the Social Security Administration for more information or give us a call at 888-817-0446.

Social Security is a program that provides financial assistance to people who are retired, disabled, or unable to work. To be eligible for Social Security benefits, you must meet certain requirements. You must have worked for at least 10 years and earned at least 40 credits. These credits are earned by working and paying into the Social Security system (you may earn up to four credits per year). Credits can be earned while you're working in any job where you pay Social Security taxes (even if you don't qualify for benefits). If you haven't met these requirements yet, there are other ways that you can qualify. For example, if your spouse was working and earning credits before they died and never got around to filing for retirement benefits in their own name, then their family members may be able to claim some of those credits instead of waiting until they meet the requirements themselves. In addition to meeting these requirements, applicants must also apply online or through your local office.

Yes, you can receive a higher Social Security benefit by delaying your retirement. If you start receiving benefits before your full retirement age (FRA), your benefits will be reduced by a certain percentage for each month that you receive benefits before your FRA. Your FRA depends on the year you were born. If you start receiving benefits after your FRA, your benefits will be increased by a certain percentage for each month that you delay receiving benefits until you reach age 70. The maximum benefit increase for delaying retirement is about 8% per year. This means that if your FRA is 66 and you delay receiving benefits until age 70, your benefits will be about 32% higher than they would be if you had started receiving benefits at your FRA. Delaying your retirement can be a good option if you are in good health and are able to continue working. However, it is important to consider your financial situation and whether you will be able to continue working and earning income until you reach your FRA or age 70. If you have any questions about delaying your retirement and how it will affect your Social Security benefits, give us a call so we can go over all your options. 888-817-0446

Yes, you can appeal an Income-Related Monthly Adjustment Amount (IRMAA) decision if you disagree with the decision. IRMAA is an additional premium that some Medicare beneficiaries are required to pay for their Medicare Part B (medical insurance) and Medicare Part D (prescription drug coverage) based on their income. If you believe that your IRMAA determination is incorrect, you can request a review of your IRMAA by the Medicare program. To request a review, you must submit a request in writing within 60 days of the date of the notice of the IRMAA determination. You can use the Medicare IRMAA Appeal form (CMS-4447) to request a review, or you can write a letter explaining why you believe the determination is incorrect. During the review process, your income and tax information will be reviewed to determine if your IRMAA determination is correct. If the review finds that your IRMAA determination was incorrect, your IRMAA will be adjusted, and you will receive a refund of any excess premiums that you paid. If you have any questions about the IRMAA review process, please contact us so we can explain the entire process. 888-817-0446

Yes, it is possible to have both Medicare and VA (Department of Veterans Affairs) health benefits. If you are a veteran with Medicare coverage, you may be able to receive VA health benefits in addition to your Medicare coverage. If you are eligible for both Medicare and VA health benefits, you can use your VA benefits to supplement your Medicare coverage. This means that you can use your VA benefits to pay for certain medical expenses that are not covered by Medicare or to cover deductibles and copayments that you would have to pay if you only had Medicare coverage. It is important to note that the VA and Medicare are separate programs, and each program has its own eligibility requirements and coverage rules. To be eligible for VA health benefits, you must be a veteran who meets certain criteria, such as being discharged from the military under conditions other than dishonorable. To be eligible for Medicare, you must be 65 or older, or you must meet certain criteria related to disability or certain medical conditions. If you have both Medicare and VA health benefits, it is important to understand how each program works and how to coordinate your benefits to ensure that you are receiving the maximum coverage possible. You may want to contact the VA and Medicare directly for more information on how to coordinate your benefits. Or, give us a call so we can review all the benefits you might be eligible for. 888-817-0446

Yes, if you are under 65 years of age and you have a disability, you may be eligible for Medicare. To be eligible for Medicare based on disability, you must be a citizen or permanent resident of the United States and have received Social Security Disability Insurance (SSDI) benefits for at least 24 months. You may also be eligible for Medicare if you have a disability that is expected to last at least one year or result in death and you are receiving disability benefits from the Railroad Retirement Board. If you are eligible for Medicare based on disability, you will automatically be enrolled in Medicare after you have received SSDI benefits for 24 months. You will receive a Medicare card in the mail, and your coverage will start the 25th month of receiving SSDI benefits. If you have any questions about eligibility for Medicare based on disability, contact us so we can go over all your options. 888-817-0446

There are several enrollment periods for Medicare Advantage plans. Here are the main enrollment periods for Medicare Advantage plans: 1. Initial enrollment period: The initial enrollment period for Medicare Advantage is the same as the initial enrollment period for Original Medicare, which is the seven-month period that starts three months before you turn 65, includes the month you turn 65, and ends three months after you turn 65. During this period, you can enroll in a Medicare Advantage plan for the first time. 2. Annual enrollment period: The annual enrollment period (AEP) for Medicare Advantage is from October 15 to December 7 each year. During the AEP, you can switch from Original Medicare to a Medicare Advantage plan, or from one Medicare Advantage plan to another. You can also switch from a Medicare Advantage plan with drug coverage to a Medicare Advantage plan without drug coverage, or vice versa. 3. Special enrollment period: A special enrollment period (SEP) is a period of time outside of the AEP when you can make certain changes to your Medicare Advantage plan. You may be eligible for a SEP if you have a qualifying life event, such as moving out of your Medicare Advantage plan's service area, losing employer coverage, or gaining or losing Medicaid eligibility. By understanding these enrollment periods, you can make informed decisions about your Medicare Advantage coverage. We can help you navigate the appropriate enrollment period to make sure you are not charged any penalties or lose benefits. Call us at: 888-817-0446

Yes, you can change your Medicare Advantage plan during the annual enrollment period, which is the period of time each year when you can make changes to your Medicare coverage. The annual enrollment period is from October 15 to December 7 each year. If you want to enroll in a Medicare Advantage plan or to a different Medicare Advantage plan, you can do so during the annual enrollment period. Your coverage will start on January 1 of the following year. You may also be able to change your Medicare Advantage plan at other times during the year if you have a special enrollment period. A special enrollment period is a period of time outside of the annual enrollment period when you can make changes to your Medicare coverage. You may be eligible for a special enrollment period if you move out of your plan's service area, lose other coverage, or meet certain other conditions. If you are considering changing your Medicare Advantage plan, it is important to review your current plan and compare it to other available plans to make sure that you are choosing the plan that best meets your needs. If you have any questions about changing your Medicare Advantage plan, call us at 888-817-0446

Medicare is a federal health insurance program for people who are 65 or older, and for certain younger people with disabilities. As a general rule, Medicare is the primary payor for medical expenses, which means that it pays its share of the expenses before other insurance pays. There are some situations in which another insurance may be the primary payor, such as if the person is covered by both Medicare and an employer group health plan because they are still working. In this case, the employer group health plan is generally the primary payor while the person is actively working and is covered under the employer plan. However, once the person retires or is no longer covered under the employer plan, Medicare becomes the primary payor. There are also some limited situations in which Medicare may not be the primary payor, such as if the person is entitled to benefits under the Federal Black Lung Program or the Federal Employees' Compensation Program. In these cases, the other program would be the primary payor for the medical expenses related to the disability or illness for which the person is receiving benefits.

Medicare Part B is medical insurance that covers medically necessary services and supplies that are ordered by a doctor or other healthcare provider. Part B also covers preventive services to help maintain your health and to prevent illness. Specifically, Medicare Part B covers the following types of services and supplies: 1. Doctor's services: This includes services from a doctor or other healthcare provider, such as annual physical exams, office visits, and certain preventive services. 2. Outpatient care: This includes services and supplies that you receive outside of a hospital, such as laboratory tests, X-rays, and occupational therapy. 3. Home health care: This includes part-time or intermittent skilled nursing care and home health aide services, as well as physical, occupational, and speech therapy. 4. Durable medical equipment: This includes equipment that is ordered by a doctor or other healthcare provider for use in your home, such as oxygen equipment, hospital beds, and wheelchairs. 5. Other medical services and supplies: This includes a range of other medical services and supplies, such as ambulance services, blood transfusions, and chemotherapy. Medicare Part B does not cover the following types of services and supplies: 1. Most long-term care (such as care in a nursing home) 2. Custodial care (such as help with activities of daily living, like bathing and dressing) 3. Personal care (such as help with bathing and dressing) 4. Most dental care 5. Most eyeglasses 6. Most hearing aids If you have any questions about what is covered by Medicare Part B, give us a call and we will be more than happy to answer any questions you have about all parts of Medicare and the enrollment process. 888-817-0446

Medicare and Medicaid (MediCal in California) are two separate health insurance programs.. Medicare is a national health insurance program for people who are 65 years of age or older, certain younger people with disabilities, and people with End-Stage Renal Disease (ESRD). Medicaid is a joint federal and state program that provides health coverage to low-income individuals and families. There are several differences between Medicare and Medicaid: 1. Eligibility: To be eligible for Medicare, you must be a citizen or permanent resident of the United States and be 65 years of age or older, or have a disability or ESRD. To be eligible for Medicaid, you must have a low income and meet certain other requirements, such as being pregnant, being a parent or caretaker of a dependent child, or being elderly or disabled. 2. Coverage: Medicare covers a wide range of medical services, including hospital care, physician services, and preventive care. Medicaid covers a more limited range of medical services, but it may cover some services that are not covered by Medicare, such as long-term care and non-emergency transportation to medical appointments. 3. Cost: Medicare beneficiaries are generally required to pay premiums, deductibles, and co-payments for their coverage. Medicaid beneficiaries may not have to pay premiums, but they may have to pay co-payments for some services. 4. Administration: Medicare is a national program that is administered by the Centers for Medicare and Medicaid Services (CMS), a division of the U.S. Department of Health and Human Services. Medicaid is a joint federal and state program, with each state administering its own Medicaid program. If you have any questions about the differences between Medicare and Medicaid or enrolling in either program, please contact us for free help. 888-817-0446

Yes, you can appeal a Medicare decision or coverage determination if you disagree with the decision. The appeals process for Medicare decisions is divided into four levels: 1. Redetermination: This is the first level of appeal. To request a redetermination, you must submit a request in writing within 120 days of the date of the notice of the decision that you are appealing. During the redetermination process, your claim will be reviewed by someone who did not make the original decision on your claim. 2. Reconsideration: If you are not satisfied with the decision made during the redetermination process, you can request a reconsideration by an independent reconsideration entity. You must request a reconsideration within 180 days of the date of the redetermination decision notice. 3. Administrative law judge (ALJ) hearing: If you are not satisfied with the decision made during the reconsideration process, you can request a hearing before an ALJ. You must request a hearing within 60 days of the date of the reconsideration decision notice. 4. Medicare Appeals Council: If you are not satisfied with the decision made at the ALJ hearing, you can request a review by the Medicare Appeals Council. The Appeals Council is a part of the Department of Health and Human Services that reviews decisions made by ALJs. It is important to note that you must complete each level of the appeals process before moving on to the next level. You should also be aware that there are time limits for requesting each level of appeal, and it is important to meet these time limits to preserve your right to appeal. If you have any questions about the appeals process for Medicare decisions, contact us so we can review all you options. 888-817-0446

Yes, it is possible to opt out of Medicare Part B, but it is generally not recommended. Part B is medical insurance that covers medically necessary services and supplies that are ordered by a doctor or other healthcare provider, as well as preventive services to help maintain your health and to prevent illness. If you opt out of Part B, you will not be covered for these services and may have to pay for them out of pocket. If you are eligible for Medicare because you are 65 years of age or older and you are already enrolled in Part A (hospital insurance), you will automatically be enrolled in Part B. If you do not want Part B, you must actively opt out of it by returning the Part B enrollment form that you received in the mail. If you opt out of Part B and later decide that you want it, you may be able to re-enroll in Part B during the annual enrollment period, which is the period of time each year when you can make changes to your Medicare coverage. However, you may have to pay a higher premium for Part B if you re-enroll after the initial enrollment period. Some people can decline Part B depending on their situation. But over the decades we have found many more people that have ultimately regretted declining Part B when they were first eligible. You will need to complete form CMS-1763 or a similar form that acknowledges you understand all the ramifications of declining Part B. If you have any questions about opting out of Medicare Part B, call us so we can go through all your options so you can make a fully informed decision. 888-817-0446

There are four parts to Medicare: Part A (hospital insurance), Part B (medical insurance), Part C (Medicare Advantage plans), and Part D (prescription drug coverage). Part A covers inpatient care in hospitals, including critical access hospitals, inpatient care in skilled nursing facilities (following a hospital stay), and inpatient care in a hospice. Part B covers medically necessary services and supplies that are ordered by a doctor or other healthcare provider, as well as preventive services to help maintain your health and to prevent illness. Part C is an alternative to Original Medicare (Parts A and B). Medicare Advantage plans are offered by private insurance companies and must cover everything that Original Medicare covers, but may offer additional benefits such as vision, hearing, and dental coverage. Part D is a prescription drug benefit that is offered by private insurance companies and is available to people with Original Medicare, as well as to people with Medicare Advantage plans. If you have any questions about the different parts of Medicare, call us so we can help you navigate the entire complicated process. 888-817-0446

Medigap plans (also known as Medicare Supplement plans) are private insurance policies that help cover some of the costs that are not covered by Original Medicare, such as deductibles, copays, and coinsurance. There are ten different Medigap plans available, each with a different set of benefits. Medigap Plan F, Plan G, and Plan N are three of the ten Medigap plans available. Here is a comparison of the main benefits of these three plans: Medigap Plan F: - Covers all of the gaps in Original Medicare, including deductibles, copays, and coinsurance for both Part A and Part B - Covers the Medicare Part B excess charges - Covers the Medicare Part A hospice coinsurance and copays Medigap Plan G: - Covers all of the gaps in Original Medicare, except for the Medicare Part B deductible - Covers the Medicare Part B excess charges - Covers the Medicare Part A hospice coinsurance and copays Medigap Plan N: - Covers most of the gaps in Original Medicare, including deductibles, copays, and coinsurance for both Part A and Part B - Covers the Medicare Part B excess charges - Covers the Medicare Part A hospice coinsurance and copays - Requires you to pay a copay of up to $20 for office visits and up to $50 for emergency room visits In general, Medigap Plan F is the most comprehensive Medigap plan, while Plan G and Plan N offer slightly less coverage but may have lower premiums. It is important to compare the benefits of each plan and consider your individual healthcare needs before choosing a Medigap plan. We can help you choose and enroll in the best plan for you. Give us a call to go over all your options. 888-817-0446

Medicare Part C, also known as Medicare Advantage, is a type of Medicare health plan offered by private insurance companies that are approved by Medicare. Medicare Advantage plans must cover all of the services that are covered by Original Medicare (Medicare Part A and Part B) and may offer additional benefits, such as vision, hearing, and dental coverage. Medicare Advantage plans may be offered in a variety of different types, including Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), Private Fee-for-Service (PFFS) plans, Special Needs Plans (SNPs), and Medicare Medical Savings Account (MSA) plans. Each type of plan has its own rules for how you get services, and you may have to pay different out-of-pocket costs for services. If you have a Medicare Advantage plan, you must continue to pay your Medicare Part B premium and any additional premiums, deductibles, and copayments required by your plan. You may also have to use network providers in order to get covered services. If you have any questions about what is covered by Medicare Part C or enrolling in a plan, please contact us. We are contracted with the major insurance companies available. 888-817-0446

You can enroll in a Medigap (also known as Medicare supplement insurance) plan at any time, but the best time to enroll may depend on your individual circumstances. In general, the best time to enroll in a Medigap plan is during your Medigap open enrollment period. Your Medigap open enrollment period begins on the first day of the month in which you are both age 65 or older and enrolled in Medicare Part B. During this time, you have a guaranteed right to enroll in any Medigap plan that is sold in your state, regardless of your health status. If you enroll in a Medigap plan during your open enrollment period, you cannot be denied coverage or charged a higher premium due to your health. This is an important consideration, as Medigap plans are not required to cover pre-existing conditions if you enroll outside of your open enrollment period. If you miss your Medigap open enrollment period, you may still be able to enroll in a Medigap plan, but you may be subject to medical underwriting and may be denied coverage or charged a higher premium based on your health status. It is important to note that Medigap plans are only available to people who are enrolled in Medicare Part A and Part B. If you are not yet enrolled in Medicare, you will need to enroll in Medicare before you can enroll in a Medigap plan. You can enroll in Medicare during your initial enrollment period, which is the seven-month period that begins three months before the month you turn 65 and ends three months after the month you turn 65. If you have questions about Medigap plans and when you can enroll, give us a call. We represent the major insurance carriers and can shop for the best plan for you. Of course, at no cost to you. 888-817-0446

HMO (Health Maintenance Organization) and PPO (Preferred Provider Organization) are types of health insurance plans that offer different ways of accessing healthcare services. Here are the main differences between HMO and PPO plans: - Network of providers: HMO plans typically have a limited network of healthcare providers that you must use in order to receive coverage. PPO plans, on the other hand, have a wider network of providers that you can choose from, but you may pay more for services received out-of-network. - Referrals: With an HMO plan, you may need to get a referral from your primary care doctor in order to see a specialist. With a PPO plan, you generally do not need a referral to see a specialist. - Out-of-pocket costs: HMO plans generally have lower out-of-pocket costs than PPO plans, but they may also have more restrictions on your access to healthcare services. PPO plans generally have higher out-of-pocket costs, but they offer more flexibility in terms of accessing healthcare services. - Coverage when traveling: HMO plans generally do not offer coverage when you are outside of their service area, while PPO plans often offer some coverage when you are traveling. When choosing between an HMO and a PPO, it is important to consider your healthcare needs and budget, as well as the specific features and benefits of each plan. Give us a call and we can help you shop and enroll in the perfect plan for you. 888-817-0446

Medicare Part A is hospital insurance that covers inpatient care in hospitals, including critical access hospitals, inpatient care in skilled nursing facilities (following a hospital stay), and inpatient care in a hospice. Specifically, Medicare Part A covers the following types of care: 1. Inpatient care in hospitals: This includes stays in a hospital, critical access hospital, or inpatient rehabilitation facility. Part A covers the room, meals, nursing care, and other related services and supplies while you are in the hospital. 2. Inpatient care in a skilled nursing facility: This includes care in a skilled nursing facility (following a hospital stay of at least three days) for medically necessary skilled nursing care or rehabilitation. Part A covers the room, meals, nursing care, and other related services and supplies while you are in the skilled nursing facility. 3. Hospice care: This includes palliative care for people with terminal illnesses, as well as respite care for caregivers. Part A covers hospice care provided in a hospice facility or in your home. Medicare Part A does not cover the following types of care: 1. Private duty nursing 2. Custodial care (such as help with activities of daily living, like bathing and dressing) 3. Personal care (such as help with bathing and dressing) 4. Most dental care 5. Most eyeglasses 6. Most hearing aids 7. Most long-term care (such as care in a nursing home) If you have any questions about what is covered by Medicare Part A, give us a call so we can guide you through the entire process and make sure you make an informed decision. 888-817-0446

When choosing a Medicare Advantage plan, it is important to consider the following factors: 1. Cost: Compare the premiums, deductibles, copays, and coinsurance of different plans to determine which one will have the lowest overall cost for the benefits you need. 2. Network: Check to see which doctors, hospitals, and other healthcare providers are in the plan's network, and make sure that your preferred providers are included. 3. Coverage: Make sure that the plan covers the services and benefits you need, including prescription drug coverage, if needed. 4. Ratings: Look for a plan with a high rating from the Centers for Medicare and Medicaid Services (CMS). Plans with high ratings tend to provide higher quality care. 5. Extra benefits: Consider whether the plan offers any extra benefits, such as vision, hearing, and dental coverage, that may be important to you. It is important to review your Medicare Advantage plan annually during the annual enrollment period, which is the period of time each year when you can make changes to your Medicare coverage. This is a good time to compare your current plan to other available plans and to make sure that the plan you have is still the best fit for your needs. If you have any questions about choosing a Medicare Advantage plan, call us at 888-817-0446.

A Medigap plan (also known as Medicare Supplement plans) is a type of supplemental insurance that is designed to help cover some of the out-of-pocket costs that are not covered by Original Medicare (Parts A and B). Medigap plans are offered by private insurance companies and are available to people with Original Medicare who are enrolled in both Part A and Part B. There are 10 different Medigap plans that are standardized by the federal government, and each plan is labeled with a letter (A, B, C, D, F, G, K, L, M, or N). The benefits provided by each plan vary, but all Medigap plans must follow federal and state laws designed to protect consumers. Medigap plans can help cover the following out-of-pocket costs: - Medicare Part A coinsurance and hospital costs - Medicare Part B coinsurance or copayment - The first three pints of blood used in a medical procedure - Medicare Part A hospice care coinsurance or copayment Medigap plans do not cover long-term care, vision or dental care, hearing aids, eyeglasses, or private-duty nursing. If you are interested in purchasing a Medigap plan, you should compare the different plans and their costs to find the one that best meets your needs. It is important to note that you can only have one Medigap policy at a time, and you cannot have a Medigap policy if you are enrolled in a Medicare Advantage plan. If you have any questions about Medigap plans or want to consider your options, please give us a call at 888-817-0446.

Medicare does not cover dental implants. Medicare only covers limited dental services, such as those that are medically necessary to treat a medical condition. Dental implants are generally considered to be a cosmetic procedure and are not medically necessary, so they are not covered by Medicare. Medicaid coverage for dental implants varies from state to state. Some states may cover dental implants for Medicaid beneficiaries if they are deemed medically necessary, such as to treat a medical condition or to replace a missing tooth due to an injury. However, most states do not cover dental implants as a routine service. If you have Medicaid and are interested in getting dental implants, you should contact your state Medicaid agency for more information about your coverage. You can also ask your dental provider about the cost of the procedure and any potential financing options. Or give us a call to review all your options.

Yes, Medicare covers durable medical equipment (DME) if it is medically necessary and meets certain criteria. DME is equipment that is used in the home and is expected to last for an extended period of time, such as oxygen equipment, hospital beds, and wheelchairs. Medicare Part B covers DME that is medically necessary to treat a medical condition. In order for DME to be covered by Medicare, it must meet the following criteria: - It must be used in the home - It must be used for a medical purpose - It must be durable (expected to last for at least three years) - It must be prescribed by a doctor or other healthcare provider If you have Medicare and are interested in getting DME, you should talk to your doctor or other healthcare provider about your needs and whether the equipment is medically necessary. If your doctor determines that the equipment is medically necessary, they can provide you with a prescription and help you find a supplier that accepts Medicare. You may be required to pay a copay or coinsurance for the equipment, depending on your Medicare coverage. And give us a call to see if we can help you navigate the system. 888-817-0446

Medicare IRMAA, or Income-Related Monthly Adjustment Amount, is an additional premium that some Medicare beneficiaries are required to pay for their Part B (medical insurance) and Part D (prescription drug coverage) based on their income. IRMAA is determined by the Centers for Medicare and Medicaid Services (CMS) and is based on your modified adjusted gross income (MAGI), which is your adjusted gross income plus any tax-exempt interest income that you may have. IRMAA is recalculated each year based on your most recent tax return. If your income is above a certain level, you may be required to pay IRMAA in addition to your standard Part B and Part D premiums. The amount of IRMAA that you pay depends on your income level and is calculated as a percentage of your Part B and Part D premiums. If you are required to pay IRMAA and you believe that your income has changed, you can request a redetermination of your IRMAA by contacting Social Security. You may be able to have your IRMAA adjusted if you can show that your income has decreased significantly since your most recent tax return was filed. If you have any questions about IRMAA, contact us so we can go over all your options. 888-817-0446

Yes, in order to enroll in a Medicare Advantage plan you need to be also enrolled in Medicare Part and Part B. If you are enrolled in a Medicare Advantage plan, you will receive the same benefits as Original Medicare, as well as any additional benefits that the plan offers, such as vision, hearing, and dental coverage. You may also have lower out-of-pocket costs with a Medicare Advantage plan, depending on the specific plan you choose. If you are enrolled in Original Medicare and want to enroll in a Medicare Advantage plan, you can do so during the annual enrollment period, which is the period of time each year when you can make changes to your Medicare coverage. If you switch to a Medicare Advantage plan during the annual enrollment period, your coverage will start on January 1 of the following year. If you have any questions about enrolling in Original Medicare, a Medicare Advantage plan, or a Medicare Supplement plan, give us a call so we can walk you through the entire process. 888-817-0446

Medicare Part D is a prescription drug benefit that is available to people who have Medicare. Medicare Part D is offered through private insurance companies that are approved by Medicare. If you have a Medicare Part D plan, you will pay a monthly premium for the plan, and you will be responsible for paying a certain portion of the cost of your prescription drugs. The amount you pay will depend on the type of plan you have and the drugs you are prescribed. Medicare Part D plans have a list of covered drugs, called a formulary, and you will pay less for drugs that are on the formulary. Most Part D plans have a deductible, which is the amount you must pay for your drugs before your plan begins to pay. After you meet your deductible, you will enter the initial coverage stage, during which you will pay a copayment or coinsurance for your drugs. If you have high prescription drug costs, you may reach a coverage gap, also known as the "donut hole," during which you will pay more for your drugs. Once you have spent a certain amount of money on your drugs, you will enter the catastrophic coverage stage, during which you will pay a smaller copayment or coinsurance for your drugs. If you have any questions about what is covered by Medicare Part D or enrolling in a plan, please contact us so we can review all your options. 888-817-0446

Yes, if you have a low income and limited assets, you may be eligible for extra help with your Medicare premiums, deductibles, and copayments. This extra help is provided through the Medicare Savings Programs, which are administered by the states. There are four Medicare Savings Programs: 1. Qualified Medicare Beneficiary (QMB) Program: If you are eligible for the QMB program, you will have your Medicare Part A and Part B premiums, deductibles, and copayments paid for by Medicaid. 2. Specified Low-Income Medicare Beneficiary (SLMB) Program: If you are eligible for the SLMB program, you will have your Medicare Part B premium paid for by Medicaid. 3. Qualifying Individual (QI) Program: If you are eligible for the QI program, you will have your Medicare Part B premium paid for by Medicaid. 4. Qualified Disabled and Working Individuals (QDWI) Program: If you are eligible for the QDWI program, you will have your Medicare Part A premium paid for by Medicaid. To be eligible for a Medicare Savings Program, you must meet certain income and asset limits. The income and asset limits vary by state and by program. If you are interested in applying for a Medicare Savings Program, give us a call so we can review all your options with you. Free of charge of course! 888-817-0446

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If you do not enroll in Medicare when you are first eligible, you may have to pay a higher premium for Part A (hospital insurance) and Part B (medical insurance) if you decide to enroll later. If you are 65 years of age or older and you are not receiving Social Security or Railroad Retirement Board benefits, you are first eligible for Medicare during the initial enrollment period, which is the seven-month period that begins three months before the month you turn 65, includes the month you turn 65, and ends three months after the month you turn 65. If you do not enroll in Medicare during your initial enrollment period, you may have to pay a higher premium for Part A and Part B. If you are under 65 years of age and you are receiving Social Security Disability Insurance (SSDI) benefits, you are automatically enrolled in Medicare after you have received SSDI benefits for 24 months. If you are not receiving SSDI benefits and you are under 65 years of age and have a disability, you can enroll in Medicare during the initial enrollment period that begins three months before the month you turn 65. If you are not receiving SSDI benefits and you are under 65 years of age and have a disability, and you do not enroll in Medicare during your initial enrollment period, you may have to pay a higher premium for Part A and Part B if you decide to enroll later. If you have any questions about enrolling in Medicare, contact us so we can go over all your options. 888-817-0446

There are several ways to enroll in Medicare: 1. Online: You can enroll in Medicare online through the Social Security website (www.ssa.gov) 2. By phone: You can call Social Security at 1-800-772-1212 to schedule a phone appointment or at your local office. 3. In person: You can visit your local Social Security office to enroll in Medicare in person. You can find your nearest Social Security office by using the office locator on the Social Security Administration's website (www.ssa.gov). This is considered a walk in and therefore you will probably have to wait for several hours to be seen. It's always recommended to have an appointment if possible. To enroll in Medicare, you will need to provide certain information, such as your name, date of birth, Social Security number, and employment history. You may also need to provide proof of your identity and other documents, depending on your circumstances. It is important to enroll in Medicare during your initial enrollment period, which is the seven-month period that begins three months before the month you turn 65, includes the month you turn 65, and ends three months after the month you turn 65. If you miss your initial enrollment period, you may have to pay a higher premium for Part A and Part B, and you may have to wait until the next open enrollment period to enroll. Please call us so we can walk you through the entire process and make sure you receive everything you're entitled to. 888-817-0446

Most people who are 65 years of age or older are eligible for Medicare. You are also eligible for Medicare if you are under 65 years of age and have a disability or End-Stage Renal Disease (ESRD). To be eligible for Medicare based on age, you must be a citizen or permanent resident of the United States and be 65 years of age or older. You may also be eligible for Medicare if you are under 65 years of age and have received Social Security Disability Insurance (SSDI) benefits for at least two years. If you have any questions about your eligibility for Medicare, give us a call so we can help you navigate the entire process. 888-817-0446

The homebound requirement is a criteria that must be met in order for certain Medicare benefits to be available to a beneficiary. To meet the homebound requirement, a Medicare beneficiary must be confined to their home and be unable to leave without the assistance of another person or the use of a device, such as a wheelchair or walker. The homebound requirement applies to certain Medicare benefits, such as home health care services and the skilled nursing facility (SNF) benefit. If you are homebound and need these types of services, you may be eligible for Medicare coverage. To determine whether you meet the homebound requirement, your doctor or other healthcare provider will consider your ability to leave your home, the distance you can travel, and the mode of transportation you use. If your doctor determines that you meet the homebound requirement, they will provide you with a written statement that you can use to apply for Medicare coverage. If you have Medicare and have questions about the homebound requirement, you should contact your Medicare provider for more information. Or, give us a call to review all your options. 888-817-0446

Medicare is a national health insurance program that provides coverage to people who are 65 years of age or older, as well as to some younger people with disabilities. Medicare is administered by the Centers for Medicare and Medicaid Services (CMS), a federal agency within the Department of Health and Human Services. There are four parts to Medicare: Part A (hospital insurance), Part B (medical insurance), Part C (Medicare Advantage plans), and Part D (prescription drug coverage). Part A covers inpatient care in hospitals, including critical access hospitals, inpatient care in skilled nursing facilities (following a hospital stay), and inpatient care in a hospice. Part B covers medically necessary services and supplies that are ordered by a doctor or other healthcare provider, as well as preventive services to help maintain your health and to prevent illness. Part C is an alternative to Original Medicare (Parts A and B). Medicare Advantage plans are offered by private insurance companies and must cover everything that Original Medicare covers, but may offer additional benefits such as vision, hearing, and dental coverage. Part D is a prescription drug benefit that is offered by private insurance companies and is available to people with Original Medicare, as well as to people with Medicare Advantage plans. We can help you navigate the entire Medicare process and help you enroll in a private plan if you so choose. Our help is always free. Call us at: 888-817-0446

The cost of Medicare depends on several factors, including your income and the type of coverage you have. Most people who are eligible for Medicare are required to pay premiums for Medicare Part B (medical insurance). The premiums for Part B are based on your income and are generally deducted from your Social Security benefits. If you have Medicare Part A and Part B, you may also have out-of-pocket costs for deductibles, coinsurance, and copayments for covered services. The amount of these costs depends on the type of service you receive and whether you have other insurance coverage, such as a Medigap policy or a Medicare Advantage plan. If you have a Medicare Advantage plan, you may have different premiums, deductibles, and out-of-pocket costs than you would with Original Medicare. Medicare Advantage plans are offered by private insurance companies and must cover all of the services that are covered by Original Medicare, but they may have different costs and offer additional benefits. If you have a low income and limited assets, you may be eligible for extra help with your Medicare premiums, deductibles, and copayments. This extra help is provided through the Medicare Savings Programs, which are administered by the states. If you have any questions about the cost of Medicare, give us a call so we can go over all your options. 888-817-0446

Yes, you can add or drop Medicare Part D coverage at any time, but there are certain periods of time when you are more likely to be able to make changes to your coverage. Part D is a prescription drug benefit that is offered by private insurance companies and is available to people with Original Medicare, as well as to people with Medicare Advantage plans. You can add Part D coverage to your Medicare coverage during the initial enrollment period, which is the seven-month period that begins three months before the month you turn 65, includes the month you turn 65, and ends three months after the month you turn 65. You can also add Part D coverage during the annual enrollment period, which is the period of time each year when you can make changes to your Medicare coverage. The annual enrollment period is from October 15 to December 7 each year. If you have a Medicare Advantage plan that includes prescription drug coverage, you cannot add Part D coverage to your plan. However, you can switch from a Medicare Advantage plan with prescription drug coverage to Original Medicare (Parts A and B) and enroll in a Part D plan during the annual enrollment period. If you have Part D coverage and you want to drop it, you can do so during the annual enrollment period. If you drop your Part D coverage and later decide that you want it, you may be able to re-enroll in Part D during the annual enrollment period, but you may have to pay a higher premium for Part D if you re-enroll after the initial enrollment period. If you have any questions about adding or dropping Part D coverage, contact us so we can go over all your options. 888-817-0446

Yes, you can enroll in Medicare while you are still working. If you are 65 years of age or older and you are still working, you have the option of delaying your enrollment in Medicare until you retire. However, if you are still working and you have health insurance through your employer or your spouse's employer, you may want to continue with that coverage and delay your enrollment in Medicare until your employer coverage ends. If you are under 65 years of age and you are receiving Social Security Disability Insurance (SSDI) benefits, you are automatically enrolled in Medicare after you have received SSDI benefits for 24 months. If you are not receiving SSDI benefits and you are still working, you can enroll in Medicare during the initial enrollment period, which is the seven-month period that begins three months before the month you turn 65, includes the month you turn 65, and ends three months after the month you turn 65. If you have any questions about enrolling in Medicare while you are still working, call us so we can go over all your options. 888-817-0446

The Low Income Subsidy (LIS), also known as the "Extra Help," is a program administered by the Social Security Administration (SSA) that helps individuals with low income and limited resources pay for the costs of their Medicare prescription drug coverage. The LIS is available to individuals who are enrolled in a Medicare Part D prescription drug plan and meet the income and asset limits set by the SSA. If you qualify for the LIS, you may be eligible for assistance with the following costs: - Monthly premium: You may be able to get help paying your monthly Part D premium. - Deductible: You may be able to get help paying the deductible for your Part D plan. - Copayments and coinsurance: You may be able to get help paying the copayments and coinsurance for your Part D plan. To apply for the LIS, you can call the SSA at 1-800-772-1213 or visit the SSA website. You can also apply through your state Medicaid office or through the Medicare Savings Program. To be eligible for the LIS, you must be enrolled in a Medicare Part D prescription drug plan and meet the income and asset limits set by the SSA. Give us a call so we can review all your options and walk you through the enrollment process. 888-817-0446

Medicaid is a means-tested program, which means that the cost of Medicaid depends on your income and resources. If you are eligible for Medicaid, you may be required to pay premiums, copays, and deductibles for certain services. The specific cost of Medicaid will depend on your individual circumstances, including your income and the services you need. In general, Medicaid does not charge premiums for individuals with low income. However, Medicaid may charge copays for some services, such as doctor visits and prescription drugs. The amount of the copay will depend on your income and the service being provided. If you have Medicaid and have questions about your costs, you should contact your state Medicaid agency for more information or give us a call. Those eligible for Medicaid are usually eligible for several other programs as well that Medicaid employees either don't know about or are not allowed to educate the public about. Call us at: 888-817-0446

Medicare and Medicaid (MediCal in California) are two separate health insurance programs.. Medicare is a national health insurance program for people who are 65 years of age or older, certain younger people with disabilities, and people with End-Stage Renal Disease (ESRD). Medicaid is a joint federal and state program that provides health coverage to low-income individuals and families. There are several differences between Medicare and Medicaid: 1. Eligibility: To be eligible for Medicare, you must be a citizen or permanent resident of the United States and be 65 years of age or older, or have a disability or ESRD. To be eligible for Medicaid, you must have a low income and meet certain other requirements, such as being pregnant, being a parent or caretaker of a dependent child, or being elderly or disabled. 2. Coverage: Medicare covers a wide range of medical services, including hospital care, physician services, and preventive care. Medicaid covers a more limited range of medical services, but it may cover some services that are not covered by Medicare, such as long-term care and non-emergency transportation to medical appointments. 3. Cost: Medicare beneficiaries are generally required to pay premiums, deductibles, and co-payments for their coverage. Medicaid beneficiaries may not have to pay premiums, but they may have to pay co-payments for some services. 4. Administration: Medicare is a national program that is administered by the Centers for Medicare and Medicaid Services (CMS), a division of the U.S. Department of Health and Human Services. Medicaid is a joint federal and state program, with each state administering its own Medicaid program. If you have any questions about the differences between Medicare and Medicaid or enrolling in either program, please contact us for free help. 888-817-0446

Medicare does not cover dental implants. Medicare only covers limited dental services, such as those that are medically necessary to treat a medical condition. Dental implants are generally considered to be a cosmetic procedure and are not medically necessary, so they are not covered by Medicare. Medicaid coverage for dental implants varies from state to state. Some states may cover dental implants for Medicaid beneficiaries if they are deemed medically necessary, such as to treat a medical condition or to replace a missing tooth due to an injury. However, most states do not cover dental implants as a routine service. If you have Medicaid and are interested in getting dental implants, you should contact your state Medicaid agency for more information about your coverage. You can also ask your dental provider about the cost of the procedure and any potential financing options. Or give us a call to review all your options.

To apply for Medicaid, you will need to follow the steps below: 1. Determine if you are eligible for Medicaid: Eligibility for Medicaid is based on income and other factors, such as age, disability, and family status. In general, Medicaid is available to people who have low income and limited resources, including individuals who are elderly, blind or disabled, and pregnant women. Children and families with low income may also be eligible for Medicaid. You can check your eligibility for Medicaid by contacting your state Medicaid agency. 2. Gather required documents: To apply for Medicaid, you will need to provide certain documents, such as proof of income, proof of citizenship or legal residency, and proof of any current health insurance coverage. You may also need to provide other documents, such as birth certificates or marriage certificates. 3. Submit your application: You can apply for Medicaid through the Health Insurance Marketplace, by contacting your state Medicaid agency, or by contacting a local Medicaid office. You can submit your application online, by mail, or in person. 4. Wait for a decision: After you submit your application, the Medicaid agency will review it and make a decision on your eligibility. If you are approved for Medicaid, you will receive a notice in the mail explaining your coverage and any next steps. If you are denied Medicaid, you will receive a notice explaining the reason for the denial and your appeal rights. If you have any questions about how to apply for Medicaid, contact us so we can go over all your options. 888-817-0446

Medicaid coverage for dental services varies from state to state. Some states provide comprehensive dental coverage for Medicaid beneficiaries, while others have more limited coverage. In general, Medicaid covers a range of dental services for children, including: - Preventive care, such as cleanings and check-ups - Diagnostic services, such as X-rays - Restorative services, such as fillings and crowns - Orthodontic services, such as braces Coverage for dental services for adults through Medicaid is more limited. In general, Medicaid only covers emergency dental services for adults, such as treatment for pain relief or infection. If you have Medicaid and have questions about your dental coverage, you should contact your state Medicaid agency for more information. You can also ask your dental provider about the services covered by Medicaid. Or give us a call and we can review your options.

Medicaid (MediCal in California) is a joint federal and state program that provides health insurance coverage to low-income individuals and families. Medicaid is designed to help pay for medical expenses for people who are unable to afford health insurance or pay for their medical expenses out-of-pocket. Eligibility for Medicaid is based on income and other factors, such as age, disability, and family status. In general, Medicaid is available to people who have low income and limited resources, including individuals who are elderly, blind or disabled, and pregnant women. Children and families with low income may also be eligible for Medicaid. Medicaid covers a wide range of medical services, including hospital stays, doctor visits, prescription drugs, and long-term care services. The specific services covered by Medicaid vary from state to state. If you think you may be eligible for Medicaid, contact us so we can walk you through the process. 888-817-0446

Medicaid coverage for vision services varies from state to state. Some states provide comprehensive vision coverage for Medicaid beneficiaries, while others have more limited coverage. In general, Medicaid covers a range of vision services for children, including: - Eye exams - Glasses - Contact lenses - Treatment for eye conditions, such as amblyopia (lazy eye) Coverage for vision services for adults through Medicaid is more limited. In general, Medicaid only covers eye exams and glasses for adults. Medicaid may also cover treatment for certain medical conditions that affect the eyes, such as glaucoma or cataracts. If you have Medicaid and have questions about your vision coverage, you should contact your state Medicaid agency for more information. You can also ask your eye doctor or other healthcare provider about the services covered by Medicaid.

Medicaid is a joint federal and state program that provides health insurance coverage to low-income individuals and families. Medicaid covers a wide range of medical services, including hospital stays, doctor visits, prescription drugs, and long-term care services. In general, Medicaid covers: - Inpatient and outpatient hospital care - Doctor visits - Prescription drugs - Laboratory and X-ray services - Home health care - Nursing home care - Hospice care - Physical, occupational, and speech therapy - Mental health services - Family planning services - Dental care for children The specific services covered by Medicaid vary from state to state. Some states may cover additional services, such as chiropractic care or acupuncture. If you have Medicaid and have questions about your coverage, you should contact your state Medicaid agency for more information or give us a call so we can review all your options.

If you disagree with a decision made by the VA regarding your benefits, you have the right to appeal the decision. To appeal a VA decision, you will need to submit a Notice of Disagreement to the VA and request a hearing.

TRICARE is a health insurance program for active duty and retired military personnel, their families, and survivors. TRICARE is administered by the Department of Defense (DOD) and is available to eligible beneficiaries worldwide. TRICARE offers a variety of health plan options, including TRICARE Prime, TRICARE Select, and TRICARE For Life. Each plan has its own eligibility requirements, benefits, and cost-sharing provisions. Beneficiaries can choose the plan that best meets their needs based on factors such as their location, the type of coverage they need, and their budget. TRICARE Prime is a managed care option that offers beneficiaries access to a network of participating providers. Beneficiaries must choose a primary care manager and receive most of their care from this provider. TRICARE Select is a fee-for-service option that allows beneficiaries to see any TRICARE-authorized provider. TRICARE For Life is a supplement to Medicare that is available to beneficiaries who are entitled to Medicare Part A and enrolled in Medicare Part B. TRICARE is separate from the VA (Department of Veterans Affairs) health care program, which provides health care benefits to veterans and certain other groups. TRICARE and VA health care programs have different eligibility requirements and coverage rules.

Yes, it is possible to receive both veterans benefits and Social Security benefits.

CHAMPUS, which stands for Civilian Health and Medical Program of the Uniformed Services, was a health insurance program for active duty and retired military personnel, their families, and survivors. CHAMPUS was administered by the Department of Defense (DOD) and was available to eligible beneficiaries worldwide. CHAMPUS was replaced by TRICARE in the 1990s. TRICARE is a comprehensive health insurance program that offers a variety of health plan options, including TRICARE Prime, TRICARE Select, and TRICARE For Life. Each plan has its own eligibility requirements, benefits, and cost-sharing provisions. Beneficiaries can choose the plan that best meets their needs based on factors such as their location, the type of coverage they need, and their budget. TRICARE is separate from the VA (Department of Veterans Affairs) health care program, which provides health care benefits to veterans and certain other groups. TRICARE and VA health care programs have different eligibility requirements and coverage rules.

To apply for VA disability benefits, a veteran must complete and submit a VA Form 21-526, "Disability Compensation and Pension Examination Worksheet," or a VA Form 21-527EZ, "Application for Disability Compensation and Related Compensation Benefits." These forms can be obtained from a VA regional office or from the VA's website. The veteran must complete the form and provide any supporting documentation that is required to verify their eligibility for benefits. It is important to note that the application process for VA disability benefits can be complex and may take some time to complete. It is recommended that veterans seek the assistance of a VA representative or a veteran service organization if they need help in completing the application or gathering the necessary documentation. To apply for VA disability benefits, a veteran must also be enrolled in the VA health care system. To enroll in the VA health care system, a veteran must complete a VA Form 10-10EZ, "Application for Health Benefits." This form can be obtained from a VA regional office or from the VA's website. Once the application for VA disability benefits has been submitted, it will be reviewed by the VA to determine the veteran's eligibility for benefits. If the veteran is found to be eligible for benefits, the VA will determine the appropriate amount of benefits based on the veteran's disability rating and other factors. The VA will notify the veteran of the decision and, if the veteran is awarded benefits, will begin paying the benefits to the veteran.

To qualify for VA disability benefits, a person must be a veteran who has a disability that is related to their military service. The disability must be documented in the veteran's military service record or be found to have occurred or been aggravated during military service, and it must be rated at least 10% disabling by the VA. To be eligible for VA disability benefits, a veteran must also meet certain service requirements, such as serving during a period of armed conflict or serving a minimum number of days on active duty. In addition to these general eligibility criteria, there are specific eligibility requirements for different VA disability benefits programs. For example, to be eligible for VA disability compensation, a veteran must have a disability that is service-connected (that is, caused or aggravated by their military service) and must not be receiving retirement pay based on their military service. To be eligible for VA pension, a veteran must meet certain income and asset limits and must be permanently and totally disabled or be age 65 or older. To determine if you are eligible for VA disability benefits, you can contact the VA directly or visit the VA's website to learn more about the specific eligibility requirements for different benefits programs. You may also be able to get help from a VA representative or a veteran service organization in determining your eligibility for VA disability benefits.

To apply for veterans benefits, you will need to complete an application and provide supporting documentation. You can apply for veterans benefits online, by mail, or in person at a VA regional office.

To qualify for VA health benefits, a person must be a veteran who meets certain eligibility criteria. In general, to be eligible for VA health benefits, a person must: - Have served on active duty in the U.S. military, including active duty for training, and have been discharged under conditions other than dishonorable - Meet certain service requirements, such as serving during a period of armed conflict or serving a minimum number of days on active duty In addition to these general eligibility criteria, there are specific eligibility requirements for different VA health benefits programs. For example, to be eligible for VA health care, a veteran must enroll in the VA health care system and meet certain income and asset limits. To determine if you are eligible for VA health benefits, you can contact the VA directly or visit the VA's website to learn more about the specific eligibility requirements for different benefits programs. You may also be able to get help from a VA representative or a veteran service organization in determining your eligibility for VA health benefits. It is important to note that VA health benefits are separate from TRICARE, which is a health insurance program for active duty and retired military personnel, their families, and survivors. TRICARE and VA health benefits have different eligibility requirements and coverage rules.

VA health benefits, which are administered by the Department of Veterans Affairs (VA), provide a range of medical, surgical, and behavioral health services to eligible veterans. The specific services that are covered by VA health benefits vary depending on a number of factors, including the veteran's enrollment status, the type of VA facility where the services are provided, and the availability of funding for certain services. In general, VA health benefits cover a wide range of medical, surgical, and behavioral health services, including: - Primary care - Specialty care, such as cardiology, oncology, and neurology - Mental health care, including counseling and therapy - Inpatient and outpatient care - Prescription medications - Durable medical equipment - Home health care - Hospice and palliative care - Rehabilitation services, such as physical therapy and occupational therapy - Dental care (limited to certain veterans) VA health benefits do not cover services that are not medically necessary or that are not related to a veteran's service-connected disabilities. Additionally, VA health benefits do not cover services that are available through other insurance programs, such as Medicare or private health insurance. It is important to note that VA health benefits are separate from TRICARE, which is a health insurance program for active duty and retired military personnel, their families, and survivors. TRICARE and VA health benefits have different eligibility requirements and coverage rules.

The VA Aid and Attendance benefit is a program that provides financial assistance to veterans and their surviving spouses who need help paying for long-term care, such as nursing home care or in-home care. To be eligible for the Aid and Attendance benefit, you must be a wartime veteran, be age 65 or older, or be permanently and totally disabled, and you must meet certain income and asset limits.

Veterans may be eligible for a wide range of benefits, including education and training benefits, home loan benefits, life insurance benefits, pension benefits, and health care benefits. The specific benefits available will depend on your individual circumstances, such as length of service, service-connected disabilities, and income.

To apply for Section 8 housing assistance, you must contact your local public housing agency (PHA). PHAs are responsible for administering the Section 8 program in your area, and they are the only organization that can accept applications for Section 8 assistance. To find your local PHA, you can use the HUD website's PHA contact information search tool or you can call the HUD national customer service center at (800) 955-2232. Once you have located your local PHA, you can request an application for Section 8 assistance. The PHA will provide you with an application form and instructions on how to complete it. You will be asked to provide information about your household size, income, and other factors to determine your eligibility for the program. It is important to note that the Section 8 program has limited funding and that there may be a waiting list for assistance. If you are placed on the waiting list, you will be notified when it is your turn to receive assistance. It is also important to note that the Section 8 program has certain eligibility requirements that you must meet to be considered for assistance. These requirements may include income limits, citizenship or immigration status, and other factors. You can contact your local PHA for more information about the specific eligibility requirements for the Section 8 program in your area.

It is possible that you may be eligible to receive food stamps, also known as the Supplemental Nutrition Assistance Program (SNAP), through the United States Department of Agriculture (USDA). SNAP is a federally-funded program that provides assistance to low-income individuals and families to help them afford food. To be eligible for SNAP, you must meet certain criteria, including: - Having a low income - Meeting certain resource limits - Residing in the United States Eligibility for SNAP is based on household size and income. If you are interested in applying for SNAP, you should contact your state SNAP agency for more information. You can find contact information for your state SNAP agency on the USDA's website.

Section 8 is a federal housing assistance program that helps low-income families, seniors, and disabled individuals afford rental housing. The Section 8 program is administered by the Department of Housing and Urban Development (HUD) and is funded through a combination of federal and local resources. Under the Section 8 program, eligible families and individuals receive a voucher that they can use to help pay the rent on a privately-owned rental unit. The voucher is worth a certain amount, based on the family's size and the area's fair market rent, and the family is responsible for paying the difference between the voucher amount and the rent. To qualify for Section 8 assistance, a family or individual must meet certain income and eligibility requirements. In general, families and individuals who are eligible for Section 8 assistance must have an income that is below 50% of the median income for the area where they live. The Section 8 program also gives priority to families and individuals who are homeless, at risk of homelessness, or have special needs. If you are interested in applying for Section 8 assistance, you can contact your local public housing agency or visit the HUD website to learn more about the program and how to apply. It is important to note that the Section 8 program has limited funding and that there may be a waiting list for assistance.

It is possible that you may be eligible to receive energy assistance through a program such as the Low Income Home Energy Assistance Program (LIHEAP). LIHEAP is a federally-funded program that helps low-income households with their energy bills by providing financial assistance for home heating and cooling costs. To be eligible for LIHEAP, you must meet certain criteria, including: - Having a low income - Being a U.S. citizen or legal noncitizen - Residing in the United States Eligibility for LIHEAP is based on household size and income. If you are interested in applying for LIHEAP, you should contact your state or local LIHEAP office for more information. You can find contact information for your state or local LIHEAP office on the LIHEAP Clearinghouse website. Or, give us a call and we will be more than happy to walk you through the process. 888-817-0446

It is possible that you may be eligible to receive a free phone through the Federal Communications Commission's (FCC) Lifeline program. The Lifeline program is a federal program that provides discounted phone service or a free phone to eligible low-income households. To be eligible for the Lifeline program, you must meet certain criteria, including: - Having a low income - Participating in certain government assistance programs, such as Medicaid, SNAP, or SSI - Residing in the United States If you are interested in applying for the Lifeline program, you should contact a Lifeline service provider in your area for more information. You can find a list of Lifeline service providers on the FCC's website.

There are several steps you can take to stop sales calls: 1. Register for the National Do Not Call Registry: This registry is maintained by the Federal Trade Commission (FTC) and allows you to opt out of receiving most telemarketing calls. You can register your phone number for free on the FTC's website or by calling 1-888-382-1222. 2. Use caller ID blocking: Many phone carriers offer caller ID blocking services that allow you to block unwanted calls from showing up on your caller ID. 3. Use call blocking software: There are many call blocking apps and software programs that allow you to block unwanted calls. Some of these programs are free, while others may require a fee. 4. Do not give out your phone number: Be careful about giving out your phone number to businesses or organizations that you do not trust. By following these tips, you can help reduce the number of unwanted sales calls you receive. If you continue to receive unwanted calls after taking these steps, you can file a complaint with the FTC or your state consumer protection agency.

Here are some tips to help you avoid Social Security scams: 1. Do not give out your personal information: Scammers may try to get your Social Security number, bank account information, or other personal information. Do not give out your personal information unless you are sure it is to a trusted source. 2. Do not pay for information or services: The Social Security Administration does not charge for information or services. If someone asks you to pay for information or services related to your Social Security benefits, it is likely a scam. 3. Be cautious of unsolicited calls or emails: If you receive an unsolicited call or email claiming to be from the Social Security Administration, be cautious. Do not give out any personal information and hang up or delete the email. 4. Report suspicious activity: If you suspect that you are being scammed, report it to the Social Security Administration's Office of the Inspector General at 1-800-269-0271 or online at https://oig.ssa.gov/report. By following these tips, you can help protect yourself from Social Security scams. If you have any doubts about the legitimacy of a call or email claiming to be from the Social Security Administration, you should contact the Social Security Administration directly to verify the information or give us a call. We worked with federal law authorities including the Office of the Inspector General to shut down some of these organizations.