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Ever wondered about long-term care insurance options through your employer? 🤔 Dive into the fastest-growing segment of LTC: the employer group market! 📈 Let's explore the exciting changes and options available!

1🔍 Did you know that the employer group market is the fastest-growing segment of long-term care? From guaranteed issue solutions with dozens of carriers to small groups starting at 3 employees, the landscape is changing dramatically! #GroupLTC #InsuranceEvolution

2 🤝 Group vs. Worksite: What's the difference? Group policies mean no medical underwriting during special enrollment! Perfect for those wanting an easier path to coverage! #InsuranceExplained

3 🌟 Hybrid options leading the way: Most group market solutions have a long-term care focus with a life insurance extension. Oh, and restoration of the death benefit – get both LTC & life insurance benefits! #HybridInsuranceBenefits

4 💲 Cost-effective coverage: Long-term care benefits start as low as $15/month for younger employees and offer leverage that could cover millions over time. Think you can't afford it? Think again! #AffordableCare

5 👨‍👩‍👧‍👦 It's all in the family: Some policies cover spouses and children too! With options to buy up coverage, you can match your needs as they change. #FamilyCare

6 🎓 Education is key: Employers offering LTC should consider timing outside general benefits enrollment and provide robust education resources. Knowledge empowers smart choices! #EducateToPlan

7 🕒 Timing is everything: Secure your benefits before policy windows close, and stay ahead of potential state mandates like payroll taxes on LTC. Seize the opportunity today! #PlanAhead #FutureSecure

For more insights, learn from experts like Kelly Augspurger and Marc Glickman. Their mission is simple: help you understand and choose the best LTC options. Stay tuned to see how this evolves! 🌟

To learn more about Marc and Buddy Ins:

Go to buddyins.com/group for more information about group/worksite LTCi opportunities and to explore group products.

Join Ask The Long Term Care Insurance Specialists Facebook group for LTCi product information and peer-to-peer networking.

For employers interested in learning more about offering LTCi to their employees, visit Long Term Care Insurance As An Employee Benefit - BuddyIns.

Marc can be reached at marc@buddyins.com.

Kelly can be reached at kelly@steadfastagents.com.

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by Steadfast Insurance LLC,
Certification in Long Term Care, and AMADA Senior Care.

Come back next time for more helpful guidance!

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Crushing Medical Debt! 🏥💸

Have you ever been overwhelmed by astronomical medical bills? You're not alone! Today's convo is with Dr. Virgie Bright Ellington, an expert on navigating medical debt, and she has some game-changing advice. 🩺🔍

Medical bills are the leading cause of debt & bankruptcy in the U.S.—& they don't discriminate by age. If you're over 18, you're at risk. But guess what? Dr. Virgie says there's hope, & she's armed with 3 life-saving steps to tackle those bills! 💪📑

Step 1: Get a REAL bill. Demand a copy with CPT codes, just like what’s sent to insurance companies. This helps avoid hidden fees & errors. 🚫🧾

Once you have the CPT codes, Step 2: Use AI or Google search to check what Medicare pays for them. These are typically most fair rates and your new benchmark. 🌐📊

Step 3: Call the billing department with your new number & confidently say, "In my case, I am willing and able to pay [your total]." Trust me, this is negotiating on stealth mode! 😎📞

Dr. Virgie also highlights incredible FREE resources, like the Patient Advocate Foundation, which can guide you through the medical bill maze. Consider them your financial ally! 🆓🤝

Planning ahead is key! Can't afford traditional insurance? Look into accidental or critical illness coverage to protect against catastrophic costs. Some coverage is better than none. 🛡️📋

Feeling anxious about medical costs & financial health? Bring a support person to appointments for a second set of ears, and reach out for help when negotiating or appealing insurance denials. You're not alone! 👫🗨️

Remember, knowledge is power. Question those big bills, use negotiation hacks, & don't hesitate to seek assistance. Your financial health is just as critical as your physical health. 💡💰

Dive deeper and crush medical debt with Dr. Virgie by visiting CrushMedicalDebt.com or her podcast "Medical Bills Uncovered." 🎧💊

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by Steadfast Insurance LLC,
Certification in Long Term Care, and AMADA Senior Care.

Come back next time for more helpful guidance!

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Do you know someone caring for a person with dementia?

🎙In this episode of Steadfast Care Planning, Kelly talks with Valarie Langel, a nurse practitioner who specializes in geriatrics and author of "Dementia Caregiving Simplified."

Here's how to navigate the journey with grace and support:

1/ 🧠 Dementia is more than memory loss. It involves confusion, speech difficulties, and emotional challenges. Recognize the stages early for better care and planning. Valarie Langel’s insights are a game-changer. 💡

2/ 🏃‍♀️ Avoid burnout! Join caregiver support groups for emotional support and involve family members in care. Take personal time each week for self-care. You’re not alone. ❤️

3/ 📝 Legal prep is crucial. Appoint Power of Attorney, prepare healthcare documents, and plan financially. Kelly Augspurger emphasizes, “Prepare today for a secure tomorrow.” 📜

4/ 🛏️ Consider hospice care for additional support. It’s not just for the final days—patients can improve and be in hospice for months. Medicare covers these vital services. Think quality of life! 🌟

5/ 💬 Communicate effectively with dementia patients. Be at eye level, use gentle touch, and avoid phrases like “Do you remember when…?” Small changes make huge impacts.

6/ 🚶‍♂️ Reduce fall risks: Use natural light, sensor lights, and solid-bright colors for better visual recognition. Safety first!

7/ 🥗 Adjusted diet: Dementia can alter taste preferences. Offer limited options with visual cues to encourage eating—think colorful and simple! 🍏🍞

8/ 📚 Valarie Langel’s book, "Dementia Caregiving Simplified," is packed with real-life examples and tips. A must-read for caregivers. 🌟

9/ 🔎 Early intervention is key. If your loved ones exhibit unusual behaviors, don’t delay seeking help. Early stages often go unnoticed.

10/ 🏡 Make homes dementia-friendly. Label switches, remove rugs, and create familiar routines. Little changes can make a big difference. 🏠

11/ 🎶 Activities like music therapy, puzzles, and trivia keep dementia patients engaged and joyful.

12/ 💖 Don’t forget about YOU! Caregiver health is essential. Support groups, hobbies, and self-care prevent burnout and ensure you’re at your best. Rediscover your passions. 🌷

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by Steadfast Insurance LLC,
Certification in Long Term Care, and AMADA Senior Care.

Come back next time for more helpful guidance!

Send us a text

🎙️ In this insightful episode, Kelly Augspurger talks with financial planning expert Ben Henry-Moreland about the strategic benefits of Health Savings Accounts (HSAs).

✨ Discover how to make the most out of your HSA, whether you're looking to cover immediate healthcare costs, or plan for long-term savings.

💰 Join us as we unpack the essentials of HSAs, exploring their unique benefits and tax advantages among many other important aspects of HSAs.

🏛️ Ben shares his expertise on maximizing HSAs through three key strategies: using funds as you go, investing for long-term growth, and balancing short-term and long-term needs, as well as, sharing loads of additional critical information concerning HSAs.

📻 Stay tuned if you're already utilizing an HSA, or considering one, this episode is packed with valuable insights and practical advice to help you make the most of these powerful savings accounts. Don't miss it!

In this episode they covered:

🔹 Triple Tax Advantages

🔹 Investment Strategies

🔹 Spousal Coordination

🔹 Long-Term Care Premiums

🔹 HSA Contribution Limits

🔹 Record Keeping

🔹 HSAs vs. FSAs

🔹 IRS Requirements

🔹 Navigating Life Changes

🔹 Expert Guidance

📽️ To watch this episode: https://youtu.be/MaBlW7FEzxE

🔗 For more information about Ben Henry-Moreland and Kitces.com, please visit:

📲 https://www.kitces.com
📲 https://web.facebook.com/ben.henrymoreland
📲 https://www.linkedin.com/in/bhenrymoreland
📲 https://www.linkedin.com/company/kitces

#HealthSavingsAccount #FinancialPlanning #SteadfastCarePlanning #kellyaugspurger #benhenrymoreland

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by Steadfast Insurance LLC,
Certification in Long Term Care, and AMADA Senior Care.

Come back next time for more helpful guidance!

Send us a text

🎙️ Caregivers are not only an under-served community, they are a non-served community. How is it possible that the people who take care of our ailing and elderly populations, can be so thoroughly forgotten and neglected? Luckily, there are solutions and people are working on ways to better support our society's caregivers.

✨ In this conversation Savy Makalena, CEO and Founder of "Gimme a Break", shares the story of how she was lead through her caregiving journey to creating the caregiver support organization known as "Gimme a Break", a nonprofit dedicated to supporting caregivers by offering them emotional and physical respite, as well as, valuable resources for sustained well-being.

🧡 Savy shares her personal caregiving journey, the struggles caregivers face, and the inspiration behind her mission.

🏛️ We'll also dive into the financial challenges affecting caregivers, an innovative Bill proposal to support them financially through the unemployment system, and the importance of self-care and mindful moments in the caregiving journey. Whether you're a caregiver or know someone who is, this episode is packed with invaluable insights and resources.

📻 Stay tuned to learn how you can get involved and support this critical cause!

In this episode they covered:

🔹 Broadening the Definition of Caregiving

🔹 "Gimme a Break" Inspiration

🔹 Financial Struggles of Caregivers

🔹 Legislation and Support Systems

🔹 Important Conversations About Future Care

🔹 Accessing Resources

🔹 Mindful Moments and Self-Care

🔹 The Role of Community and Support Networks

🔹 Challenges in Balancing Caregiving and Employment

🔹 Future Planning for Caregiving

📽️ To watch this episode: https://youtu.be/XUMDs-K3qrU

🔗 For more information about Savy Makalena and "Gimme a Break", please visit:

📲 https://gab808.org

📲 https://www.facebook.com/gab808

📲 https://www.linkedin.com/company/gab808

📲 https://www.youtube.com/@gimmeabreak808

#SavyMakalena #KellyAugspurger #gab808 #GimmeABreak #SteadfastCarePlanning

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by Steadfast Insurance LLC,
Certification in Long Term Care, and AMADA Senior Care.

Come back next time for more helpful guidance!

Send us a text

🎙️ There is something about human nature that tries to avoid planning for emergencies. We all know emergencies can be handled easier if we had planned for them, but still we procrastinate our preparations as if delaying it will somehow put off the inevitable. That is why creating and maintaining an emergency binder is so important.

🤝 Today, Steadfast Care Planning welcomes Kim Roberts.

🏥 In this episode, Kim dives into creating an emergency binder for the older adults in our life—a crucial, yet often overlooked, topic.

💡 Kim shares her personal experiences as a caregiver and provides invaluable tips on organizing personal, medical, financial, and legal information.

📻 Stay tuned as we break down how to compile all this essential info and ensure peace of mind for you and your loved ones.

🏡 Whether you're preparing for an aging parent or looking to get more organized yourself, this episode is packed with actionable advice you won't want to miss.

In this episode they covered:

🔹 What is an Emergency Binder?

🔹 The Need for an Emergency Binder

🔹 Main Sections of an Emergency Binder

🔹 Personal Information Listed in an Emergency Binder

🔹 Medical Information Listed in an Emergency Binder

🔹 Financial Information Listed in an Emergency Binder

🔹 Legal Information Listed in an Emergency Binder

🔹 Additional Safety and Organization Tips

🔹 Closing Remarks & Additional Ideas

📽️ To watch this episode: https://youtu.be/YX60TnAQOFI

🔗 For more information about Kim Roberts, please contact:

📲 Kim's Phone: 614-332-6740

📲 Kim's Email: kimberlelynroberts@gmail.com

#EmergencyBinder #SteadfastCarePlanning #LongTermCareInsurance #KellyAugspurger #KimRoberts #SteadfastInsurance

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by Steadfast Insurance LLC,
Certification in Long Term Care, and AMADA Senior Care.

Come back next time for more helpful guidance!

Send us a text

🎙️ We all know someone who is suffering from diabetes, whether it be Type 1, Type 2, or even Type 3. But how much do we actually know about the different types of diabetes and could we be at risk of developing diabetes ourselves? If so, how can we manage our nutrition and lifestyle to either avoid a diabetes diagnosis, or manage our blood sugar levels through diet and lifestyle choices to ease the effects of a positive diagnosis?

✨ In this conversation Kelly Schmidt, a diabetic dietitian with Kelly Schmidt Wellness, shares invaluable tips for older adults living with diabetes, focusing on how they can not only manage their condition but truly thrive.

🍳 Kelly discusses the differences between Type 1 and Type 2 diabetes, highlights the importance of nutrition, stress management, and sleep, and offers practical advice on advocating for your health as you age.

💡 Don't miss out on Kelly Schmidt's invaluable advice for living well with diabetes. Whether you're managing Type 1, Type 2, or simply want to maintain healthy blood sugar levels, this episode is packed with tips and strategies to help you thrive!

In this episode they covered:

🔹 Kelly Schmidt’s Background and Passion

🔹 Current Diabetes Statistics in the U.S.

🔹 Types of Diabetes

🔹 Managing Blood Sugar and Diabetes

🔹 Older Adults and Diabetes

🔹 Specific Nutrition Tips

🔹 Heavy Metals and Their Effects

🔹 Challenges and Solutions for Older Adults

🔹 Final Advice for Healthy Living

🔹 How to Contact Kelly Schmidt

📽️ To watch this episode: https://youtu.be/lk9L7VXNtsI

🔗 For more information about Kelly Schmidt and Kelly Schmidt Wellness, please visit:

📲 https://t1dfunctionalnutrition.com

📲 https://www.linkedin.com/in/kellyschmidtrd

📲 https://www.instagram.com/diabeticdietitian

#KellySchmidtWellness #KellyAugspurger #DiabetesManagement #DiabeticDietitian #SteadfastCarePlanning

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by Steadfast Insurance LLC,
Certification in Long Term Care, and AMADA Senior Care.

Come back next time for more helpful guidance!

Send us a text

🎙️ Have you ever wondered about that chunk of your paycheck that is taken out and given to Social Security? What exactly is Social Security and when can you expect to see some of that money come back to you? Have you considered what role Social Security can play when planning for retirement?

✨ This conversation is a must-listen for anyone who has ever paid into Social Security. It is a critical element of retirement planning and offering financial support during your later years. However, navigating its complexities requires careful consideration and strategic planning. With the right guidance, you can maximize your benefits and secure a more financially stable future.

💡 In this episode, our host Kelly Augspurger is joined by Adria Rosebrock, a certified financial planner and director of wealth management operations and training at Hamilton Capital. Adria provides an insightful, comprehensive guide to navigating Social Security benefits and how they fit into your retirement planning strategy.

In this episode they covered:

🔹 Overview of Social Security

🔹 Claiming Social Security Benefits at Different Ages

🔹 Considerations for Claiming at Age 62

🔹 Full Retirement Age Benefits (66-67)

🔹 Claiming Social Security at Age 70

🔹 Income Spoilers (Penalties)

🔹 Strategies for Widows and Widowers

🔹 Strategies for Divorced Individuals

🔹 Changes and Future of Social Security

🔹 Planning Advice for Social Security

📽️ To watch this episode: https://youtu.be/O6NG3xlRTxU

Hamilton Capital and Steadfast Insurance are separate and unaffiliated companies. All information is provided solely for convenience, educational, and informational purposes only.

🔗 For more information about Adria Rosebrock and Hamilton Capital, please visit:

📲 https://hamiltoncapital.com

📲 https://www.linkedin.com/company/hamilton-capital-management/

📲 https://www.linkedin.com/in/adriarosebrock

#SocialSecurity #KellyAugspurger #AdriaRosebrock #WealthManagement #HamiltonCapital #SteadfastCarePlanning

For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com.

To explore your options for long-term care insurance, click here.

Steadfast Care Planning podcast is made possible by Steadfast Insurance LLC,
Certification in Long Term Care, and AMADA Senior Care.

Come back next time for more helpful guidance!