MA Disenrollment Period Guidelines This is a reminder that the Medicare Advantage Disenrollment Period (MADP) begins Jan. 1, 2017. California Under-Age-65 Change Effective Dec. 17, 2016, Mutual of Omaha will no longer accept under-age-65 new business on the California Medicare supplement High Deductible Plan F. Under-age-65 new business is available for Plans A, F and N only. Application Requirement for Non-English Speaking and/or Reading Applicants If an applicant does not speak and/or read English and requires a translator in order to complete an application, Form MLU25947 must be signed and submitted with the application. #goldencareagent
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Holiday Greetings from Securian
Heartfelt Wishes For a happy, healthy hope-filled holiday season! ❅ ❅ ❅ ❅ ❅ We are grateful for your business and wish you the best in the coming year. Sincerely, Your friends at Securian Financial Group Holiday Greetings from Securian #goldencareagent #Securian
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“Harvard study: Elderly demographics will crush existing housing and service options,” by John O’Connor, McKnight’s Senior Living
“The nation’s surging elderly population will create unprecedented demand for affordable housing and service options within two decades, a Harvard University study asserts. In fact, rising needs will far outstrip current capacity on both fronts, according to ‘Projections and Implications for Housing a Growing Population: Older Adults 2015-2035.’” LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform): A big problem and getting worse every day, but as usual, this report recommends only more government spending to address deficiencies created by excessive government spending. Read its executive summary here. Harvard study: Elderly demographics will crush existing housing and
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Connecticut Partnership Announces New Minimum Daily Benefits for 2017
To qualify under the Connecticut Partnership for Long Term Care Insurance, policies are required to meet certain minimum standards. One of these standards requires insurers to provide a daily minimum nursing home benefit. Additionally, for policies issued with home and community-based services, the daily home and community-based benefit, at a minimum, should equal at least 50% of the minimum daily nursing home benefit. Each year, the allowable nursing home daily benefit minimum increases 3.5% greater than the previous year’s minimum. Effective January 1, 2017, the minimum daily benefit levels allowable under the Connecticut Partnership will increase to $265.00 for nursing
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Reminder – Maryland Form Required January 1st
*Reminder* Effective January 1, 2017, Maryland agents are required to submit the Model Replacement form when a client indicates on their application that they have existing insurance coverage, even when they do not intend to replace their existing coverage. Beginning January 1, 2017, policy issuance will be delayed if a client indicates they have existing coverage and the form is not included with the submitted paperwork. This form requirement is going into effect to be compliant with the State of Maryland’s Model Replacement rule. The required Model Replacement form is: Currently included in Maryland application kits, and Available to download
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“Finally, Giving The Poor Access To Good Health Insurance,” by Merrill Matthews, Forbes
“Both House Speaker Paul Ryan and Price want to replace Obamacare subsidies with refundable tax credits—which would essentially function like a federal subsidy—for people who do not have access to employer-provided health insurance, Medicare, Medicaid or VA coverage. But under legislation introduced by Price in 2015 (see section 102), a person in a government-run program such as Medicaid could opt out and take the tax credit instead.” LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform): This is the solution for the ¾ of Medicaid recipients who account for 1/3 of the program’s cost, i.e. poor women
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“Caring For A Loved One At Home Can Have A Steep Learning Curve,” by Taunya English, Kaiser Health News
“About 44 million Americans are unpaid family caregivers like Bobo — sometimes for a child with special needs, more often for a frail older adult, according to a 2015 estimate from the National Alliance for Caregiving. They are often women with a full-time job and children, though now 40 percent of caregivers are men, and millennials are becoming more involved in caring for someone at home, says John Schall, CEO of the Caregiver Action Network. ‘In too many cases, people just learn this stuff by themselves and that’s really kind of dangerous,’ Schall said.” LTC Comment (from Stephen A. Moses,
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Good News | Consumer Videos Now on YouTube
Check it out – Consumer videos now on YouTube Looking for an easy way to access and share our consumer videos? You’re in luck! Check out Securian’s YouTube channel to view some of our most popular videos, including: • Benefits of Term Life Insurance • Benefits of Permanent Life Insurance • Understanding Cash Value Life Insurance • Life Insurance as a Financial Tool (LIFT) Overview Don’t forget to subscribe to Securian’s YouTube channel, so you never miss out on our latest video updates! Check it out – Client videos now on YouTube Click here to add Minnesota Life/Securian products to
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Sentinel Holiday Office Hours
It’s that time of year again when snow falls and eggnog becomes the drink of choice! In an effort to serve you best, we would like to announce our holiday office closures for the rest of 2016. Thursday, December 15, 2016 — Our offices will close at noon for our annual holiday party. we will resume normal business hours Friday, December 16, 2016. Commissions will be paid as normal. Monday, December 26, 2016 — Our offices will be closed all day. We will resume normal business hours on Tuesday, December 27, 2016. Commissions will be paid as normal. Monday, January
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Omaha’s Toll-Free Lines Are Operational
Wednesday, December 14, 2016 9:15 a.m. The telephone service outage yesterday has been resolved. All toll-free lines are back in operation. We thank you for your patience. #goldencareagent #MutualOfOmaha > Related: Omaha Toll-Free Phone Line Outage
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