If you are about to turn 65, we congratulate you! Your 65th birthday isn’t just a personal milestone, it is the time you can finally begin drawing the Medicare benefits which you have paid into all your working life.
As a group, physicians tend to prepare well for their financial future, and for them, not all insurance protection is needed. But for most physicians, life insurance can offer financial protection that makes practical sense. In this way, we tend to call life insurance “essential protection.”
Home sweet home. There’s no place like home. Home is where the heart is.
But after a year of lockdowns and restrictions, most people are getting tired of staring at the same four walls. If you are thinking about making some changes, you are not alone. It is reported that Americans spent $339 billion last year in home improvements.
Eating almost all our meals from home had us longing for a nicer kitchen with new cabinets, updated countertops, and energy-efficient appliances. In search of a quiet place to study or work, we invested in a comfortable, well-equipped home office. Gym closures led us to put in a home gym and maybe even a backyard pool. Canceled vacations made us re-imagine how to convert porches, patios, and decks as outdoor retreats.
If you’re a practice owner or manager, you bear a lot of responsibility. One of those responsibilities is choosing and managing your practice’s group health insurance needs. Because your group health insurance can renew at any time throughout the year, remember that we at TMA Insurance Trust are here year-round to help you when you need it. Whether your plan is up for renewal or you’re offering group benefits for the first time, we can do the research, and look for superior options; and will always provide you with the best service. At TMA Insurance Trust, it’s “open enrollment” for group insurance all year long.
In 2019, did you expect that a pandemic would sweep the nation? Some practice owners faced insurmountable obstacles outside their control and their practices did not survive. Those that still own viable practices may be thinking of ways to better protect their practices in the future. Though there is no insurance against a pandemic, there are types of coverage that can help provide additional financial protection for your practice.
One such type is Business Overhead Expense (BOE) insurance.
When you elect to enroll for Medicare Part A and/or B coverage, you still have important decisions to make; should you buy a Medicare Supplement plan and/or a Medicare Part D Prescription plan? Deciding on how best to fill the gaps in your Medicare coverage can be a daunting and time consuming undertaking. You may be able to sort through all the options and do research on your own, but why should you when you have personable, professional help at the ready - at no cost to you? Let us carry the burden. Here’s how we can help.
Could it get any worse? That’s what so many Texans are asking these days.
With a crippling pandemic, a devastating storm and its disastrous aftermath, the people of Texas – certainly Texas physicians – have seen enough tribulation this past year. It’s become clear that our lives can change dramatically overnight as a result of circumstances over which we have little or no control.
It is from this perspective that we might approach the topic of life insurance.
Whether you already own your own home or plan on relocating in retirement, there are several opportunities for you to save money on homeowners insurance, if you or your spouse is 55 years of age or older. An advisor can review your current policy to determine if you are paying more than necessary, and help you take advantage of some industry savings that may be available to you at this stage in life.
