Benefit Consultants Inc

Benefit Consultants Inc
Benefit Consultants Inc is listed in the Employee Benefit Plans & Counseling category in Indianapolis, Indiana. Displayed below is the only current social network for Benefit Consultants Inc which at this time includes a Facebook page. The activity and popularity of Benefit Consultants Inc on this social network gives it a ZapScore of 36.

Contact information for Benefit Consultants Inc is:
9100 Keystone Xing
Indianapolis, IN 46240
(317) 573-2000

"Benefit Consultants Inc" - Social Networks

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Benefit Consultants Inc has an overall ZapScore of 36. This means that Benefit Consultants Inc has a higher ZapScore than 36% of all businesses on Zappenin. For reference, the median ZapScore for a business in Indianapolis, Indiana is 37 and in the Employee Benefit Plans & Counseling category is 34. Learn more about ZapScore.

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Benefit Consultants Inc Contact Information:

  • 9100 Keystone Xing
    Ste 610
    Indianapolis, IN 46240
  • Map
  • Phone: (317) 573-2000
Social Posts for Benefit Consultants Inc

This is a repost of a Motley Fool article. We all know we're supposed to save for retirement and do our best to estimate our future living costs. But if there's one major expense countless Americans continue to miscalculate, it's healthcare -- specifically, long-term care. According to recent estimates, it costs $43,539 a year to reside in an assisted living facility, while a nursing home costs $82,125 per year -- and that's for a private room. If you want to bunk solo, you're looking at $92,345 annually. And in case you were wondering, Medicare won't pick up the tab for either type of service. The solution? Long-term care insurance. The right plan can help defray these astronomical costs and open the door to more options when you're older and your health starts failing. The problem? Most Americans don't have long-term care insurance, and they're making a huge mistake in the process. Why you need long-term care insurance It's estimated that 70% of seniors 65 and older will need some form of long-term care in their lifetime. Yet only 14% of adults 50 and over have a long-term care policy in place, according to Nationwide. Additionally, only 27% of older workers are confident they'll manage to pay for long-term care expenses in the future. Why the coverage gap? For the most part, it boils down to money and a glaring lack of awareness about long-term care costs. The typical 60-year-old couple, for example, pays $3,400 per year for long-term care insurance, and that's a lot to spend on something you may never actually come to use. On the other hand, a good 20% of today's 65-year-olds will need long-term care for five years or more, in which case multiple years of long-term care insurance premiums might easily pay for themselves. But while the bulk of older Americans don't have a long-term care policy in place, they also worry that they'll become a burden to their families once they get older. Furthermore, more than half of older Americans have yet to even discuss long-term care with a spouse, partner, child, or even financial advisor. And that's a mistake that could come back to haunt them. The time to apply for coverage is now If you're in your 50s and haven't put much thought into long-term care, now's the time to get moving. For one thing, read up on the costs involved so you understand what sort of numbers you're looking at. Second, understand what long-term insurance is meant to cover. More than half of Americans think these policies are primarily used for nursing home stays, but actually, the majority are applied to offset the cost of home healthcare. And that's another thing -- 61% of older Americans claim they'd rather die than live in a nursing home. But those seeking to age in place may not get that option without a long-term care policy to help cover the cost of in-home care. Finally, get moving on your insurance application once you come to your senses. The American Association for Long-Term Care Insurance reports that more than 50% of applicants aged 50 to 59 qualify for health-based discounts. That number, however, drops to 42% among 60- to 69-year-olds, and it plunges down to 24% for 70- to 79-year-olds. Furthermore, the longer you wait to apply for coverage, the greater your chances of getting denied, so that's reason enough not to delay. Save for the unknown Of course, in the absence of a crystal ball, it's impossible to predict how your health will fare over time. But insurance aside, the best way to protect yourself and your loved ones from what could come to be is to save aggressively during your working years. If you're 50 or older, you currently get the option to sock away up to $6,500 a year in an IRA or $24,000 a year in a 401(k), and the latter limit is rising by $500 next year. Work on maxing out whichever account type you have, and you'll be better positioned to cover whatever medical expenses come your way in the future. One more thing: Get your facts straight about Medicare. Countless older workers assume that Medicare will cover all of their health-related needs once they enroll, but that couldn't be further from the truth. One major benefit of discussing long-term care with a financial professional is that you'll get access to the information you need to make an informed decision about what lies ahead. And the sooner you have that talk, the more time you'll have to adequately prepare. Call me for product information or quotes.

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OPEN ENROLLMENT is here for Medicare and starting Nov 1 for the ACA under 65 market. If you need help with your individual insurance this year call or email me for an appointment. There is no charge for the consultation!

I just read where now over 20 million seniors are enrolled in Medicare Advantage plans. Why is this important? Why do the insurance companies make them seem so attractive by charging very little or no premium. Medicare Advantage plans might be a good thing for a small segment of the senior population but not for all. They do not emphasize to the buyer that for every service they receive they will pay some amount of money. Every doctor visit, lab test, surgery, hospital visit... While most folks are used to copays, STANDARD MEDICARE SUPPLEMENTS have no Co-pays or for Dr. visit only. So, yes you pay more in premium but if you have even a small number of services you will pay less with a Standard supplement. Also and more importantly, what happens as we age. Do we get more healthy? NO, and after being in an Advantage plan you may NOT qualify for a Standard supplement. Yes, there is NO underwriting when first getting into Medicare, but after that you may no be able to move your supplement except to another Advantage plan. I have clients proof of costs on an Advantage plan and a Standard supplement. If you are currently on an Advantage plan and wish to explore changing to a Standard supplement and saving yourself hard earned premium dollars$$$ please call or email me to start the process. This year there will be many $0 premium plans. Ask yourself why. The insurance companies know that they will make lots of profit on all the poor, unsuspecting, or uninformed senior community that does not have an advocate in their corner. Let me hear from you!!

I know. You think I am crazy. "Cutting my nose off to spite my face". After many years in the health insurance business this "Single Payer" idea is really the only option for the country to afford everyone access to providers. This is a responsibility of ours as a nation. It could be structured in a manner charging some premium as a function of income. I believe it could reduce our expenditure on health care, the largest in the world per capita. Yes, we do have the best!! Make it accessible to all!! Please write your representatives to express your support of this type of system that will make a difference. While much of my income is derived from the sale of health policies this long debated topic has finally come to the forefront and I believe is the right thing to do.
© Greg Nash Sen. Cory BookerCory Anthony BookerGillibrand to back Sanders's single-payer bill: report Overnight Health Care: ObamaCare signup groups to get answers on funding this week | Dems demand Trump action on opioids | More Dems back ‘Medicare for All’ bill Merkley announces he will co-sponsor...