Blog Employee Benefits, Health Insurance, Medicare, HR Outsourcing - By "Butch Zemar"

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Jun 28, 2011

Civil Union in IL - Health Insurance

Back in January 2011, Illinois Governor Quinn signed a bill that allows domestic partners, same or opposite genders, to be allowed to have equal partnership as marriages do, on a state level. This law went into effect June 1st, 2011. What does this...

Jun 22, 2011

Health Insurance: Summer Hits - Not Your Pocket Book

Summer is here and your days are filled with joy and fresh air. The kids finally have a chance to get out of the house and play. Some kids will still stay in the house to play video games or read a book. However, most kids cannot wait to get out and ...

May 21, 2011

Health Insurance A Greedy Trend

If we were able to take a time machine back in time we would see the world of health insurance different than it exists today. As time has gone, the American people have become greedier and have demanded more. It is like giving kids an inch and the...

May 20, 2011

Avoiding Medical Bankruptcy - Insurance Agency Explains How

For Immediate Release: Elite Benefits of America is proud to announce the insurance agency will be speaking in front of business owners about ways to avoid medical bankruptcy: "Buying Health Insurance After Health care Reform - 8 Ways to Avoid...

Mar 21, 2011

Just a Paycheck Away From Bankruptcy

In America, many families are strapped so thin that just one sneeze will put them in the street. Those boogers are real. Somehow as decades have passed the rules of money have changed and some have resisted to the change. This is just as bad igno...

Mar 09, 2011

Employers Drop Health Insurance – Uninsured Stays Consistent

The Health care Reform bill was designed to reduce the number of uninsured. Health care cost is at the highest point in history. The cost of health insurance is growing out of control. Employers are being forced to make decisions that they thought ...

Feb 15, 2011

A more meaningful Valentine"s Day

Here it is Valentine’s day (if you celebrate it). Shakespeare left dozens of love sonnets behind for the world to enjoy. Mozart wrote operatic love songs that have been played for centuries. Shah Jhan built the Taj Mahal as a testament to his love ...

Feb 15, 2011

Life Insurance: You Do It for Love

How do you say “I love you” to the most important person in your life? A candlelight dinner or a romantic, getaway vacation are nice ways to show you care. But if you want to make a more meaningful and enduring statement about how much your loved on...

Feb 08, 2011

Life Insurance and Long Term Care Insurance Meet

The Wall Street Journal hit it on the head over the weekend. Long Term Care Insurance is becoming increasingly expensive and harder to get. People are looking for more affordable ways to protect their money and assets if they ever need to be in an...

Feb 04, 2011

What are the Goals of Healthcare Reform?

As you know I have been very active in the healthcare reform debate. You also know I believe the healthcare system in this country is broken and needs to be fixed. Lastly, you know I hate just about everything in the PPACA (health care reform law)...

Feb 02, 2011

Life Insurance: Getting Paid to Live

We go through our whole lives planning, spending time with family and seeking security in some fashion. Typically there are three concerns most people have about their financial situation. We will live too long, die too soon or get too sick or hu...

Jan 24, 2011

A Twist On Life Insurance

Has your current broker shared with you a way to leverage life insurance for your health insurance? My guess is no... If that's the case they probably didn't tell you that sixty-two percent of bankruptcies are medical bankruptcies, and most of th...

Jan 17, 2011

Insuring a Preexisting: Doctor on new health law

There is an interesting article on IFAwebnews that talks about health reform from a doctor's perspective. Bob Graham did a great job putting it together. A couple good points were made in the Article. The truth is everyone knows that an insu...

Jan 12, 2011

Medicare and Social Security

The baby boomers as they have been called turn 65 this year. Seventy million more Americans will turn 65 by the year 2030. That is about 10,000 people per day for the next twenty years. If you have read some of my past postings, I have said tha...

Jan 10, 2011

Paying For An Illness - With Your Retirement

As devastating as it may seem to even think of it, you could be saving just so you can pay for a catastrophic illness. Most people ignore the fact that it could even happen to them. I have something to tell you that you may not know. A criti...

Jan 07, 2011

FSA TAX NOW IN EFFECT…

According to the Washington Times, forty million Americans are paying higher taxes this week due to what is being called OBAMACARE. Effective January 1, 2011, on your Flex Spending account (FSA) or Health Savings Account (HSA) , you can no longer us...

Dec 23, 2010

Life Insurance with Living Benefits - Testimonials

Ninety-five percent of men and seventy percent of women will suffer from cancer, stroke or heart attack during their lifetime. A married couple has an 83% chance of one of them getting cancer. Then to top it off, according to Havard, Sixty-two perce...

Oct 11, 2010

Health Insurance Conference Call - Reducing the Pain

Hello Folks! This year has really passed by fast. I know for me it has especially with my 11 month old son running around. He is already walking! Just incredible! I hope you finish off the year strong with work, family and passion. There a...

Jul 12, 2010

Prescription Drug Savings: 5 Hot Tips

With all the healthcare changes going on one of the biggest problems people are still facing is prescription drugs. Millions of Americans who purchase their own insurance are struggling with this fact. Even some group coverage out there does not co...

Jul 02, 2010

Health Insurance Changes On The Horizon

There are drastic changes coming our way in the health insurance arena. Some may jump to say ‘the insurance companies are over reacting. They will get all this new business they didn’t have’. Some of this could be true… but read on. Explos...

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