Resources

Oswald Companies’ Stanley Sieniawski of InsureOne Benefits explains why and how Medicare Advantage Plans may benefit employees and employers alike. One of the more confusing and complicated decisions an employee has to make is what to do when they or their spouse turn 65 and become Medicare eligible…especially if they…

During these unprecedented times, the challenge of managing the ever-increasing cost of health insurance has become more difficult as additional factors contribute to the number and frequency of claim occurrence due to an: Aging workforce population Increase in events that trigger COBRA eligibility Employers may not be able to eliminate…

Many employees are postponing retirement and working beyond the traditional retirement age of 65. While this segment of the workforce provides important experience, there are some challenges for both the employer and the employees. Employees may not fully understand what Medicare offers and stay on the group health plan at…

For employers, workers age 65 and over add a needed dimension of experience and knowledge to the workforce. And, as of February 2019, 20% of these 55 million people were working or looking for work. Individuals working beyond age 65 is a growing trend. (Business Insider) Medicare Eligible Employees Have…

Planning for retirement can be an exciting time, but it can also bring some apprehension. In this edition we will provide some information about healthcare for your employees to consider when thinking about retirement. Though it should always be somewhere on the radar, if you’re within 10 years of retiring,…

When getting ready to enroll in Medicare there are many questions people will have. Luckily, there are advisors and resources available to help with the answers. When looking at enrollment, there are a few issues to think about: When do I become eligible to enroll in Medicare? What if I…

Check out the Crain’s Cleveland article written by Frank Spinelli, VP, Director of Affinity Groups and Emerging Markets. In the feature, Frank explains how Individual Coverage Health Reimbursement Arrangement (ICHRA) is redefining employer-sponsored health insurance and how InsureOne and Oswald have taken the lead for its clients. Contact Frank: fspinelli@oswaldcompanies.com (216) 367-8756

Depression can happen to anyone, no matter their age, gender or any other distinction you can think of.   It’s one of the most common disorders, affecting many Americans at some point during their lifetime. The number of people with undiagnosed depression is most likely far higher. While aging isn’t…

If you’re turning 65 in 2019, there are some important decisions that’ll have to be made concerning your healthcare options.   2017 brought some important changes to Social Security. With the adjustments being based on your year of birth, there isn’t anything you can do to change your status. Current…

Editor’s note: This post was originally published on 11/4/16 and has been updated for accuracy and comprehension.   If your healthcare coverage is currently supplied by the marketplace, when you turn 65, you need to know the options available to you. Even if your 65th birthday is a ways away,…

New to Medicare?   Even if you aren’t, you may find that some aspects of this coverage are just confusing. For example, the Medicare Annual Enrollment Period is in full swing. What’s that all about? Don’t worry – it’s natural to have some questions. This list of Do’s and Don’ts…

Enrolling in Medicare can be difficult to figure out if you’re a newbie.   But even if you’ve already been enrolled for a few years, you can change your coverage during the Medicare Annual Enrollment Period each year. Here’s a guide to navigating Medicare enrollment, whether it’s your first time…

It’s important for you to stay healthy as you age.   Finding the best Medicare plan for your needs is a key component to avoiding illness and managing your health. The Medicare Annual Enrollment Period is here. It’s time to review your coverage and make any necessary changes – or…

The Medicare Annual Enrollment Period is the prime time to sign up for a Medicare plan.   But it’s also your opportunity to make changes to your existing plan. If you want to go beyond the standard benefits included in Medicare Parts A and B (Original Medicare), then a Medicare…

If you’re new to Medicare or have already enrolled in a Medicare plan in the past, the terminology can be confusing to understand. Whether you need to compare plans, learn the difference in plans or enroll, it’s important to learn the lingo. Here’s what you need to know to successfully…

Long-term support and services include any kind of assistance that helps a person who cannot help themselves due to cognitive, physical, or chronic health conditions. These services include instrumental activities of daily living such as eating, bathing, and getting dress. Long-term care may also include stays in assisted living facilities…

A lot of things come with growing older.   You’ve accumulated years of wisdom and you’re able to take the time to relax in retirement, enjoying the fruits of your years of labor. The flip side of the aging coin is some anxiety. It’s inevitable that you’ll have concerns. Let’s…

No matter your age, it’s important to stay on top of your body’s nutritional needs. Those requirements shift as you get older. Let’s take a look at some of the changes that occur, as well as special nutrition needs for seniors. Speak with One of Our Advisors Your changing needs…