KEMPTON FINANCIAL GRP LLC

03/30/2021

Theresa was skeptical of long-term care insurance but after her husband suffered a stroke, she became a believer.

03/30/2021

“What would happen if I was unable to work due to an illness or injury? How long would I be okay financially?” That’s where disability insurance comes in. Watch this quick video for the basics.

04/17/2020

Many people mistakenly believe that Medicare covers long term care. (It does pay for the first 100 days of skilled nursing care following a hospitalization, but nothing more.) Medicaid — the federal health program for the poor — covers skilled nursing care for lower-income seniors, but does not pay for assisted living. Many middle-class seniors are forced to impoverish themselves by exhausting their hard-earned savings simply to qualify for Medicaid.

One illness can be financially catastrophic.

03/20/2020

We are all concerned about the unprecedented impact the Coronavirus (COVID-19) has had on the U.S. and the World. We Stand Ready to Serve You. Our Team remains focused on providing service and support during this time. And today, beacuse of pre-planning we are able provide our prospective Medicare clients enrollment in a Medicare Advantage/Supplement plan from the comfort their home...Our Enrollment Team is standingby to enroll You. We are accepting telephone, electronic or paper enrollments in lieu of a Face-to-Face Meeting/Appointment. Call our office @ (813) 995-2821 or email [email protected] for more information.

2020 Medicare Advantage Plans - Some $0 premium plans that include Dental, Vision, Hearing, Fitness Membership, Over-the-Counter (OTC) Items, and Transportation. A word about the Coronavirus - We are all concerned about the unprecedented impact the Coronavirus (COVID-19) has had on the U.S. and the....

10/17/2019

The 2020 Medicare Open Enrollment Period (OEP) has begun...The Medicare OEP provides Medicare beneficiaries the opportunity to change, drop, or delete coverage for the 2020 plan year. Call or email our office to get details.

2020 Medicare Annual Election Period - Oct 15 - Dec 7, 2019 For 2020 coverage, open enrollment will run from October 15, 2019, to December 7, 2019. During the annual enrollment period (AEP) you can make changes to various aspects of your coverage. You can switch from Original Medicare to Medicare Ad...

03/06/2019

Relying on family to provide care can place an emotional and financial burden on loved ones.
Insurance can help maintain quality of life for both you and your family should you become disabled.
Your financial advisor can help you plan for your long-term care needs.

Making plans for your care later in life is a valuable gift that you can give your family.

02/04/2019

If you start taking Social Security at age 62, rather than waiting until your full retirement age (FRA), you can expect up to a 30% reduction in monthly benefits with lesser reductions as you approach FRA. Remember, FRA is no longer age 65. It now ranges from 66 to 67, depending on your date of birth (see your full retirement ageOpens in a new window). And your annual cost-of-living adjustment (COLA) is based on your benefit. So if you begin Social Security at 62, and start with reduced benefits, your COLA-adjusted benefit will be lower too.

It's tempting to take Social Security at 62, but if you can wait until your full retirement age or longer, you can increase your and your spouse's lifetime benefit.

10/09/2018

About 1.5 million of the 2019 enrollees, or 7.5% of Medicare Advantage plan enrollees, may have access either to support services in the home or community, or to extra benefits designed to help enrollees cope with the burden of diabetes or other chronic conditions, according to officials at the Centers for Medicare and Medicaid Services (CMS).

About 7.5% of enrollees will have access to extra LTC or chronic condition benefits.

09/17/2018

National Medicare Education Week offers educational events and resources to baby boomers, Medicare beneficiaries, and their families and caregivers, and begins one month before the start of Medicare’s Annual Enrollment Period, Oct. 15-Dec. 7. Please keep in mind that 2019 Plan Benefits are not available until Monday, October 1, 2018.

National Medicare Education Week, Sept. 15-21, empowers people with information and resources before this year's Annual Enrollment Period.

09/13/2018

Long-term care (LTC) coverage can help ensure that we successfully care for this generation. LTC coverage helps to pay for services that many seniors will need as they age, including board and care in a residential home; the support of a caregiver who would help with daily activities such as bathing, dressing and eating; and care for long-lasting or recurring illnesses.

America is aging. By 2030, 1 in every 5 Americans will be a senior. And by 2040, more than 14 million Americans will be 85 or older. This creates unique ch

09/11/2018

“This high cost of care can all too often cause people to exhaust their savings and rely on Medicaid, the largest public payer for LTSS,” the report said. “Although the cost of care varies greatly across the states, LTSS—especially nursing facility care—is unaffordable for most middle-income families. For the cost of one year of nursing facility care, a person could pay for three years of home care or five years of adult day services.”

The cost of nursing facility care is out of reach for many middle-income families, which can lead to dependence on Medicaid for long-term care, according to the AARP’s Across the States 2018 report. The report offers a profile of long-term services and supports (LTSS) in the U.S., using a range of...

08/29/2018

On June 19, 2018, the U.S. Department of Labor expanded access to affordable health coverage options for small businesses and their employees through Association Health Plans. AHP's work by allowing a group of people, small business owners, self-employed individuals, etc., who are geographically similar, to band together to obtain health care as if they were one, single larger employer. And while there is a buzz surrounding the Association Health Plans or AHPs, no one is talking about the Small Business Special Enrollment Period (SEP) that is available to employers with 1-50 waged employees, which may be an even better option for individuals and small business owners.

Association Health Plans work by allowing a group of people, small business owners, self-employed individuals, etc., who are geographically similar, to band together to obtain health care as if they were one, single larger employer.