WELCOME TO CORNERSTONE SENIOR BENEFITS
YOUR MEDICARE OPTIONS
Original Medicare
Medicare Parts A & B, Original Medicare, are offered by the federal government. Part A is hospital coverage & Part B is medical coverage. It may also help with other medical services.
With Original Medicare, they pay 80% of costs and you pay 20% in deductibles and co-insurances. There is no cap on how much you can pay in calendar year.
Medicare Supplement
Medicare Supplement, also called MediGap, is a premium insurance plan that fills the gaps Original Medicare doesn't cover.
A Medicare Supplement plan isn't restricted to networks and there are several plans. like N & G, to choose from.
This plan is sold by private insurance companies.
Prescription Drug Plans (Part D)
Part D is a prescription drug plan for people with Medicare. It may be paired with Original Medicare or a Medicare Supplement plan.
If you sign up late for Part D, you may pay a penalty.
Medicare Advantage (Part C)
Part C is a Medicare Advantage plan that covers everything Original Medicare covers, usually include a prescription drug plan, and may have supplemental benefits like dental, vision, &. OTC.
Veterans who get their prescriptions trough the VA may qualify for additional Medicare Advantage Plans.
TYPES OF LIFE INSURANCE
Final Expense Insurance
Final Expense Insurance
Final Expense Insurance
Lock in lifetime coverage to handle funeral and end-of-life costs so your family isn't stuck fundraising. Plans are Level-for-life premiums, many no-exam options, with permanent benefits.
Life Insurance
Final Expense Insurance
Final Expense Insurance
Two ways to protect your family and income- term for maximum coverage now, whole life for lifetime + value. Exam / no-exam options and competitive rates. Ask about Living Benefits.
Mortgage Protection
Final Expense Insurance
Mortgage Protection
If income stops, your home stays. Low-cost protection plans that cover your home loan & income in case you die prematurely. We align coverage to your payoff timeline and budget.
Income Replacement
Tax Free Legacy Plans
Mortgage Protection
When a significant other dies prematurely, you also lose and income while the bills remain the same. Protecting your loss of income ensures your family has choices, not choices made for them.
Tax Free Legacy Plans
Tax Free Legacy Plans
Tax Free Legacy Plans
The Indexed Universal Life Insurance plan allows you to grow a tax-advantaged bucket, protect your family, and access cash along the way when structured properly.
Living Benefits
Tax Free Legacy Plans
Tax Free Legacy Plans
Access part of your benefit while living if a critical, chronic, or terminal illness strikes. Availability varies by carrier/state; we'll show eligible options upfront.
SUPPLEMENTAL BENEFITS SOLUTIONS
Hospital Indemnity
The financial responsibility of co-pays and deductibles from an unexpected hospitalization can quickly become expensive. This indemnity insurance pays a cash benefit when you're hospitalized. These are customizable to meet your needs & budget and perfect to pair with ACA or MAPD plans.
Short-Term Care
Additional recovery time is often necessary after a hospital release. This short-term care insurance will pay a daily benefit for nursing facility, hospice or assisted living care. Simplified 2-Tier Underwriting & many Riders like Home Health Care & Hospital Indemnity make these programs customizable to fit your needs & budget.
Accident Insurance
Accident indemnity plans provide cash benefits for expenses that major medical insurance may not fully cover. With options for 24-Hour Accident Expense & 24-Hour or off the job coverage. Programs are available for individuals & families & are customizable to meet your needs & budget.
Cancer, Heart Attack, & Stroke
Even the healthiest people run the risk of receiving a cancer, heart attack, or stroke diagnosis. This indemnity insurance (with an option for recurrence) pays a lump sum on a cancer, heart attack or stroke diagnosis. Benefits range from $5k - $75k & are paid directly to you. And you have the flexibility to purchase Cancer or Heart Attack/Stroke or both.
RETIREMENT SOLUTIONS
Social Security Advising
Social Security Advising
Social Security Advising
Discover what you may be entitled to, strategies to maximize your benefits, & how to access your earnings history.
When working with me, you'll get a personalized Social Security analysis plan tailored to you & your unique needs & retirement goals.
Claiming at the wrong age could significantly reduce your lifetime benefits. Don't make this choice without knowing your options.
Annuities
Social Security Advising
Social Security Advising
Annuities provide a reliable source of income in your retirement years. Many use this as an income source after retiring, allowing them to defer collecting Social Security Retirement benefits & thus get a larger retirement insurance benefit.
Annuities can be Deferred or Immediate, protect your principal from market loss, provide growth po
Annuities provide a reliable source of income in your retirement years. Many use this as an income source after retiring, allowing them to defer collecting Social Security Retirement benefits & thus get a larger retirement insurance benefit.
Annuities can be Deferred or Immediate, protect your principal from market loss, provide growth potential linked to market index performance, offer tax-deferred growth, & many offer Riders allowing you to customize the additional features.
Tax-Free Legacy Plans
Social Security Advising
Tax-Free Legacy Plans
When properly structured, the Indexed Universal Life Insurance plan allows you to grow a tax-advantaged bucket, protect your family, & access cash along the way.
These plans may also have living benefits like Terminal Illness &/or Critical or Chronic Illness protection included at no extra cost.
Medicare Insurance
Social Security Advising
Tax-Free Legacy Plans
Your guide you to understand the Medicare enrollment periods, plan options, co-pays, premiums, coinsurance, prescription plans, & more.
As a broker, we work with most companies & tailor plans to meet your unique needs.
You don't have to navigate the Medicare Maze alone.
Why choose an Insurance Broker?
The benefit of working with Cornerstone Senior Benefits are the options you receive. When you work with a broker like us, you aren't limited to one company or agency.
Because we represent over 40 Life & Health Insurance companies, and even more solutions, we do the heavy lifting to sort through available plans & benefits, saving you time, money, and frustration by doing the shopping for you.
We then present you all available options that are easy to understand, easy to apply for, easy to acquire, and are tailored to your unique needs.
We're paid by the insurance companies, so our guidance is free to you and the insurance plans won't cost more using by our services. All compliant & ethical business practices.