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Discussing your Long-Term Care Plans with Loved Ones

November is Long-Term Care Awareness Month!  It’s the perfect opportunity to plan for your long-term care needs, and discuss these needs with your loved ones; ensure everyone understands your wishes, and what roles they may play in helping you realize your care goals.

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Understanding Marketing Rules and The Role of Supplements During the AEP

As agents remain focused on the annual enrollment period (AEP) for Medicare and ACA plans alike, it’s important to understand the laws and CMS regulations surrounding both MediGap policies and non-health insurance policies such as life insurance and annuities.

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Avoid the Ghosts of Uncertainty, Get an Advance Care Plan in Place!

As the leaves turn and the air grows crisp, Halloween approaches once more. This is a fun time for costumes, candy, and spine-tingling tales of the unknown. But in the world of retirement, there’s something spookier even than ghouls and ghosts – the uncertainty of your health and increased costs as you age. We at HCG Secure want to encourage

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Preparing for Open Enrollment

For health insurance brokers as well as Medicare or ACA eligible consumers, heading into the annual open enrollment period (AEP) can feel overwhelming. To make sure both you, and your clients, are getting the most out of available offerings this AEP, staying organized, proactively scheduling time with clients for discussions about current coverage and future needs, and closely following changes

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The Sandwich Generation – Unique and Growing Challenges

According to the Pew Research Center, 23% of American adults are now members of the Sandwich Generation, and they are facing an immense financial burden. This population spends $10,000 and 1,350 hours caregiving annually, on average.

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My Family Made Me Do It

This week’s blog comes from Steve Gresham, Managing Principal of NextChapter, a leadership community dedicated to improving retirement outcomes for everyone.

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Don’t Overlook these Debts Before Retirement!

As most Americans consider retirement planning, mortgages, health care expenses, and reduced income are typically, and rightfully, top financial concerns. These considerations, however, are not alone in the debts and costs people need to account for before retiring. Other expenses, such as student loans, credit card debt, and car loans have traditionally high interest rates and can create unforeseen and

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June is Alzheimer’s and Brain Awareness Month

This month is an opportunity to recognize and work to reduce the unique challenges faced by those diagnosed with Alzheimer’s, dementia, and other forms of cognitive decline, as well as a chance to assess your own risk factors and steps you can take now to reduce your risk or delay the onset of brain diseases.

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The Role of Artificial Intelligence in Elder Care

Along with policy reform and innovation in the insurance market, technology and the rise of artificial intelligence may play a role in providing for the extent of elder care needs in the coming years.

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May is Older Americans Month and Care is Increasingly Difficult to Access

As May begins and we celebrate Older Americans Month, we at HCG Secure encourage you to reflect on the role of the public sector in addressing home care access, as well as your own personal finances and ability to afford extended care. Respect for Americans of all ages should be the norm, and this respect should be reflected through public

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