by JT Gutcheon | Mar 18, 2018 | employee benefits
Health Insurance Experts Serving West Hartford CT
PBI Insurance offers Employee Benefits Packages to Connecticut employers in Hartford County and New Haven County. Our experienced agents will get you the lowest rates on the best benefits packages and will save you money. What do the company benefits and perks you offer communicate to your existing and prospective employees? As an employer, the benefits package you offer your employees speaks volumes about your company, its philosophy, and its culture. In a highly competitive environment, the salary you offer is the first consideration, but it is by your benefits and perks you will be judged. When an employee knows what your company stands for, he will know right away if he will engage with the company and stay longer. Benefits and perks tell your employees what you value, what your company believes in, and that your employees are valued.
When working hard to attract the best talent, you may demonstrate your appreciation for their loyalty by contributing to their health and well being, being supportive in education and career growth, providing financial planning services and wealth protection counseling.
To learn about all the group insurance options available to your employees, we invite you to consult with our knowledgeable agents in our centrally located West Hartford office. Contact us today at 860-233-1171 for a free quote on employee benefits in Connecticut. Our satellite office is conveniently located on Main Street in Hamden for clients located in the greater New Haven region.
by JT Gutcheon | Mar 4, 2018 | group benefits
PBI Insurance Employee Benefits
When you are shopping for employee group benefits packages, select a local agency to work with you. In the greater Hartford area, PBI Insurance has earned a reputation for excellence. Not only will we select the best coverage for your company, we shop the best rates. As an employer, the company benefits and perks you offer tells a lot about your company. The benefits package you offer your employees speaks volumes about you as an employer as well as your company’s philosophy and culture. In a highly competitive environment, the salary you offer is the first consideration, but it is by your benefits and perks you will be judged.
When an employee knows what your company stands for, he will know right away if he will engage with the company and stay longer. Benefits and perks tell your employees what you value, what your company believes in, and that your employees are valued. PBI has been doing business in the greater Hartford area for years – trust our staff to work with you when selecting benefits for your employees. When working hard to attract the best talent, you may demonstrate your appreciation for their loyalty by contributing to their health and well being, being supportive in education and career growth, providing financial planning services and wealth protection counseling.
To learn about all the group insurance options available to your employees, we invite you to consult with our knowledgeable agents in our centrally located West Hartford office. Our satellite office is conveniently located on Main Street in Hamden for clients located in the greater New Haven region.
by JT Gutcheon | Feb 18, 2018 | Uncategorized
PBI Insurance
When you need information on Medicare, your local Medicare Insurance Specialists are at PBI Insurance. Turn to PBI when you need information about Medicare plans, or Medigap Supplemental Insurance. We offer assistance to individuals just like you understand the Medicare enrollment process. PBI provides clients with affordable healthcare coverage to individuals who have reached the age of 65. We are proud to personally meet with individuals to educate and guide them through the Medicare enrollment process. Whether you are an active member of the workforce or a retiree, PBI can provide Medicare coverage to suit your health care needs. Our professionals provide personal and detailed consultations to help determine which Medicare Plan is best suited for you. If you have questions about Medicare parts A, B, C, or D, or would like to explore your Medicare Supplemental Insurance options, call our helpful staff for a consultation. PBI provides Medicare Plans for individuals through many highly recognized carriers, including AARP, Aetna, Anthem Blue Cross and Blue Shield, ConnectiCare, and United Healthcare.
BASIC MEDICARE INSURANCE
- Medicare Part A is hospital insurance, and helps cover inpatient hospital care, skilled nursing facility care, hospice care, and home health care.
- Medicare Part B, or Medical Insurance, helps cover services from doctors and other health care providers, outpatient care, home health care, durable medical equipment, and some preventive services.
- Medicare Part C, or Medicare Advantage Plan is run by Medicare-approved, private insurance companies. Medicare Advantage includes all the benefits and services covered under Part A and Part B, may cover extra benefits and services for an added cost, and usually includes prescription drug coverage (Medicare Part D).
- Medicare Part D is prescription drug coverage.
- With Medicare you get to choose the coverage you want. Original Medicare includes part A and Part B coverage. For prescription drug coverage, you must join a separate Part D plan. Or you may choose to join a Medicare Advantage Plan, where you will get your Part A and Part B coverage from this plan, not from Original Medicare. Medicare Advantage may include prescription drug coverage
MEDICARE SUPPLEMENTAL INSURANCE – MEDIGAP
Medicare is a federal health insurance program for Americans who are age 65 or older, younger people with disabilities, and those of any age suffering from permanent kidney damage. Medicare coverage is the same for people who qualify based on disability as for those who qualify based on age. For those who are eligible, the full range of Medicare benefits are available. Coverage includes certain hospital, nursing home, home health, physician, and community-based services.
Medicare Supplemental Insurance (Medigap) plans are divided into Plans A through N. Anyone with this Medigap coverage will be accepted anywhere in the country that takes Medicare. Not all insurance carriers offer every plan, but all plans are identical. These plans only differ by the monthly premium charged by each insurance carrier. The first step in choosing your Medigap policy is to decide on the benefits you need and want while considering your current and future health care needs. You must already have Medicare parts A and B. If you have a Medicare Advantage Plan, you should make sure you can leave that plan before your Medigap policy goes into effect. At PBI we shop the market and get the lowest premium for your Medicare supplemental insurance policy. We will do our best to tailor a plan that is right for you. 860-233-1171.
by JT Gutcheon | Feb 4, 2018 | financial advisors
Plan for Retirement with PBI Financial Group
The Financial Advisors at PBI Financial Group offer a full menu of investment services. When you are young, you may not put retirement planning near the top of your list of priorities. PBI can show you how to work smarter so you can have a secure retirement. You need the best financial advice, and it must truly be unbiased. It is never too early to speak to an advisor about planning for your retirement, planning for your child’s future college tuition, or getting help selecting the best stock portfolio that get you the returns you are looking for.
PBI Insurance offers personal and group financial planning and investment services through the PBI Financial Group. The PBI financial advisor representatives are licensed and certified, and are very knowledgeable about the products and services they offer. We pursue and professional development to maintain the skills and credentials necessary to provide our clients with the best service. Our staff is fully committed to our clients. PBI Financial Group is goal-oriented and is as serious about your financial future as you are. Our personal approach results in enduring and long lasting relationships. We only make recommendations to clients that we would accept for ourselves. We arrange unsolicited personal portfolio reviews on an ongoing basis. We are readily available and responsive to our clients. Your call is always greeted by one of our professional and courteous staff members. We provide excellent follow-up service as well.
Our Investment Professionals provide:
· Financial Planning and Brokerage
· Investment Advice and Strategies
· Investment Selection
· Financial Counseling
· Retirement Plans
· College Planning
It would be helpful to think about where you stand right now, and your expectations for your future. You should also be prepared to talk frankly about the level of risk you are willing to take to meet your goals. Your financial advisors will help you formulate a plan and stand by you while you pursue your goals. At PBI, all your financial needs are under one roof. Learn more at our PBI Financial Group website. Come in to our West Hartford office to see what we can do for your future. Call us today: 860-233-1171.
by JT Gutcheon | Jan 21, 2018 | long term care insurance
The High Cost of Long Term Care
Many people are confused about long term care, what it is, and what is covered by insurance. A sad fact in America is the high cost of nursing and custodial care. When a loved one must spend time in a skilled nursing facility, or opts for in-home custodial care, the cost of care is grossly underestimated. Long term care planning awareness in early adulthood can help families prepare for the inevitable. Many assumptions are made about long term care, what it means, and how to pay for it. Long-term care services include help with everyday tasks, “custodial” care, or “activities of daily living”. Whether the custodial care is needed for a short term recuperative period or for terminal conditions such as Alzheimer’s Disease, you need the advice of a professional so you can prepare. The PBI Staff are experts in all aspects of Medical Insurance and Medicare Benefits and we can assist you with your questions about Long-Term Care Insurance.
A 2016 poll conducted by the The AP-NORC Center for Public Affairs Research at the University of Chicago explored long term care planning. Apparently the majority of Americans age 40 and older lack confidence that they will be able to pay for long-term care, and few expect their current insurance to cover the costs of ongoing living assistance. Instead, many older adults expect to turn to Medicare or Social Security to support their care as they age, although these programs generally do not cover most long-term care services or costs. Additionally, support is high for policies that help Americans save for long-term care and for those that defray the costs of caregiving.
Custodial services are not covered by health insurance or Medicare. While Medicaid provides long-term services to those with chronic disabling conditions, it is only available for individuals who meet income and other eligibility requirements. Paying for custodial care services out-of-pocket is out of reach for the average person. According to the HHS Office of the Assistant Secretary for Planning and Evaluation Office of Disability, “While most people with LTSS needs will spend relatively little on their care, about one in six (17%) will spend at least $100,000 out-of-pocket for future LTSS.” In fact, in Connecticut, the 2017 average monthly cost for home care is $4,000 and residing in a nursing facility (semi-private room) is more than $7,000. (source: https://www.genworth.com/about-us/industry-expertise/cost-of-care.html).
The senior population is expected to nearly double by 2040. The majority of these seniors will require some form of long-term care – help with activities such as cooking, bathing, or remembering to take medicine – that can be provided in a home or institutional setting. How to finance the provision of high-quality services so that the costs are manageable for families and governments will remain a primary challenge. You may have a loved one who is in need of long-term care, now or in the near future. Talk to the experts at PBI Insurance and get your questions answered at 860-233-1171.
Many people are confused about long term care, what it is, and what is covered by insurance. A sad fact in America is the high cost of nursing and custodial care. When a loved one must spend time in a skilled nursing facility, or opts for in-home custodial care, the cost of care is grossly underestimated. Long term care planning awareness in early adulthood can help families prepare for the inevitable. Many assumptions are made about long term care, what it means, and how to pay for it. Long-term care services include help with everyday tasks, “custodial” care, or “activities of daily living”. Whether the custodial care is needed for a short term recuperative period or for terminal conditions such as Alzheimer’s Disease, you need the advice of a professional so you can prepare. The PBI Staff are experts in all aspects of Medical Insurance and Medicare Benefits and we can assist you with your questions about Long-Term Care Insurance.