Author name: Senior Help and You

As you enter retirement, planning goes beyond just managing your finances. It’s essential to ensure that your wishes are clearly outlined and protected in legal documents. Wills, trust, and power of attorney are critical tools for safeguarding your legacy and giving you peace of mind. Key Points: Wills ensure your assets are distributed according to […]

Parkinson’s disease is a progressive disorder of the nervous system that affects movement, and it disproportionately impacts seniors. The newly enacted Dr. Emmanuel Bilirakis and Honorable Jennifer Wexton National Plan to End Parkinson’s Act (H.R.2365) is designed to tackle this debilitating condition head-on. Signed into law in 2024, the act is a groundbreaking step toward

What is the Plan Annual Notice of Change (ANOC)? If you’re enrolled in a Medicare plan, you can expect a crucial document each fall known as the Plan Annual Notice of Change (ANOC). This document provides important details about any changes to your current Medicare plan, including updates on coverage, costs, or service areas for

Three Key Points: Redetermination Request (CMS-20027): Start your Medicare appeal with this form if you disagree with a coverage or payment decision. Medicare Reconsideration Request (CMS-20033): Use this for a second appeal if you’re unsatisfied with the first decision. Request for Administrative Law Judge Hearing (OMHA-100): The third step involves requesting a hearing with an

Planning for the future can be overwhelming, especially when it comes to financial security and healthcare. At Senior Help And You, DBA AJF Insurance Services, we’re here to simplify these important topics: annuities, life insurance, and Medicare. Key Points: Annuities Provide Steady Retirement Income: Different types of annuities ensure financial stability during retirement. Life Insurance

Recently, the Centers for Medicare & Medicaid Services (CMS) released the Final Calendar Year (CY) 2025 Part D Redesign Program Instructions. These changes, rooted in the Inflation Reduction Act (IRA) of 2022, bring significant updates to the Medicare Part D benefit. Key Points New Benefit Phases: Starting January 1, 2025, Medicare Part D will have

Navigating the complexities of Medicare can often feel overwhelming, especially when it comes to understanding in-patient hospital services. As your dedicated Medicare agent, my goal is to simplify this process, ensuring you have the essential information to make informed decisions about your healthcare. Key Points Coverage and Costs: Medicare Part A covers semi-private rooms, meals,

When it comes to retirement planning, many individuals seek financial products that offer both growth potential and protection. Indexed Universal Life (IUL) insurance stands out as a powerful tool that can provide these benefits and more. This versatile product combines the traditional benefits of life insurance with the potential for cash value growth linked to

In 2024, the American Cancer Society estimates that the number of new cancer cases in the United States will surpass 2 million for the first time, with over 611,000 projected cancer deaths. Cancer incidence is notably higher among seniors, with adults aged 65 and older accounting for a significant proportion of new cancer diagnoses. This