Resources

65+

AARP – Leading organization providing resources on health, finance, travel, and exclusive discounts tailored specifically for older adults.
SeniorNet – Offers computer and internet training specifically designed for seniors, with tutorials and educational resources to improve digital skills.
AgingCare – Comprehensive resource for caregivers and families managing elderly care, featuring advice, support forums, and articles on aging-related topics.
Healthline – Reliable health information portal with articles on managing chronic conditions, wellness tips, and medical news relevant to seniors.
SilverSneakers – Fitness programs and resources including online classes, exercise tips, and a directory of participating gyms and fitness centers.
NextAvenue – Information hub focusing on aging and lifestyle issues, covering topics such as health, money, and work with practical advice.
Medicare.gov – Official U.S. government site for Medicare, providing information on health coverage options, benefits, and enrollment procedures.
Social Security Administration – Official website offering information on Social Security benefits, retirement planning, and application processes.
National Council on Aging – Provides resources and programs for older adults, including information on health and wellness, financial assistance, and senior services.
Family Caregiver Alliance – Support organization for caregivers with resources, educational materials, and support groups to help manage caregiving challenges.
Eldercare Locator – Free service by the U.S. Administration on Aging that connects seniors with local organizations providing services like legal support, caregiving, transportation, and home repair.
The Senior List – Reviews and information on products and services for seniors, including home safety equipment, medical devices, and lifestyle products.
SeniorLiving.org – Comprehensive information on senior living options, including independent living, assisted living, and nursing homes.
Alzheimer’s Association – Resources and support for individuals and families affected by Alzheimer’s disease and other dementias.
National Institute on Aging – Research-based information on aging, health conditions, disease prevention, and healthy aging tips.
Senior Planet – Technology training and resources for older adults, including online courses, events, and articles on digital skills.
DailyCaring – Practical advice and resources for family caregivers, including tips on managing daily care, navigating services, and maintaining personal well-being.
National Aging in Place Council – Information and resources to help seniors remain in their homes as long as possible, including community-based services for independent living, financial services, and legal services.
Center for Retirement Research – Boston College’s resource providing retirement-related information, reports, research papers, and retirement calculators to determine how long savings will last.
Medicare Rights Center – Organization focused on ensuring access to healthcare for seniors and people with disabilities, helping them understand their rights, benefits, and how to access quality healthcare.

U65

Medicaid – Health insurance for low-income individuals and families under 65, including those with disabilities.
Affordable Care Act (ACA) Marketplace Plans – Health insurance options with income-based subsidies for those under 65.
Children’s Health Insurance Program (CHIP) – Health coverage for children in low-income families.
Social Security Disability Insurance (SSDI) – Monthly income for people under 65 with qualifying disabilities and work history.
Supplemental Security Income (SSI) – Income support for people under 65 who are disabled or blind with limited income and resources.
State Medicaid Waivers – Community-based services for people with disabilities (varies by state).
SNAP (Supplemental Nutrition Assistance Program) – Food assistance for low-income individuals and families.
Section 8 Housing Choice Voucher Program – Federal rental assistance for low-income individuals and families.
Low Income Home Energy Assistance Program (LIHEAP) – Help with energy costs for low-income households.
Low Income Household Water Assistance Program (LIHWAP) – Help with water bills for qualifying households.
State Vocational Rehabilitation Programs – Employment support and training for people with disabilities.
Ticket to Work Program – Social Security program for career development for people with disabilities.
Student Health Plans – Health insurance options for students enrolled in college or university.
Joining a Parent’s Health Insurance Plan – For those under 26, the option to stay on a parent’s plan.
Community Resource Portals – Local directories for youth and family services.
Legal Counsel for Youth and Children – Legal support for young people
Food Banks – Local organizations providing food to those in need.
Local Nonprofit Support Services –
Affordable Connectivity Program – Federal program to reduce internet costs for low-income households.
Paratransit and Accessible Transportation Programs – Local transportation options for people with disabilities.

Supplemental

Term Life Insurance – Provides coverage for a set period (e.g., 10, 20, or 30 years) and pays a death benefit if the insured passes away during that term.
Whole Life Insurance – Permanent coverage with fixed premiums, a guaranteed death benefit, and a cash value component that grows over time.
Universal Life Insurance – Permanent insurance with flexible premiums and adjustable death benefits, plus a cash value that grows based on market interest rates.
Variable Life Insurance – Permanent coverage that allows policyholders to invest the cash value in various accounts, with a guaranteed death benefit but fluctuating cash value.
Variable Universal Life Insurance – Combines features of variable and universal life, offering investment options and flexible premiums.
Final Expense Insurance – A type of whole life insurance with a smaller death benefit, designed to cover funeral and end-of-life expenses.
Indexed Universal Life Insurance – A form of universal life where the cash value growth is tied to a market index, such as the S&P 500.
Burial Insurance – Another name for final expense insurance, focused on covering funeral costs.
Simplified Issue Life Insurance – Policies that require no medical exam and offer quick approval, often with lower coverage amounts.
Guaranteed Issue Life Insurance – No medical questions or exams required; acceptance is guaranteed, typically for smaller death benefits.
Decreasing Term Life Insurance – The death benefit decreases over time, often used to cover a mortgage or other debts that reduce as you age.
Short-Term Life Insurance – Provides coverage for a very limited period, such as one year, ideal for transitional needs.
Level Term Life Insurance – Term life insurance with fixed premiums and death benefit throughout the term.
Annually Renewable Term Life Insurance – Term insurance that renews each year, with premiums increasing as you age.

Group Life Insurance – Life insurance coverage provided by an employer or organization, often at lower cost and with simplified underwriting.

Life

Accident Insurance – Pays cash benefits for accidental injuries to cover medical and living expenses.
Critical Illness Insurance – Provides a lump-sum payment upon diagnosis of covered serious illnesses like cancer, heart attack, or stroke.
Cancer Insurance – Offers financial support for cancer diagnosis, treatment, and related out-of-pocket costs.
Hospital Indemnity Insurance – Pays a fixed benefit for covered hospital stays to help with deductibles, copays, and other expenses.
Dental Insurance – Covers preventive, basic, and major dental care, often not included in standard health plans.
Vision Insurance – Helps pay for routine eye exams, glasses, and contact lenses.
Short-Term Disability Insurance – Replaces a portion of income if you become temporarily unable to work due to illness or injury.
Long-Term Care Insurance – Covers costs of long-term services like nursing home or in-home care, not typically covered by regular health insurance.
Travel Insurance – Provides coverage for medical emergencies, trip cancellations, and lost luggage while traveling.
Fixed Indemnity Insurance – Pays set amounts for specific medical services or conditions, regardless of actual costs.
Lump Sum Heart Attack and Stroke Insurance – Pays a lump sum for qualifying heart-related events.
Cancer Treatment Insurance – Offers cash benefits specifically for cancer treatment expenses.
Accident Treatment Insurance – Provides cash benefits for costs related to accidental injuries and their treatment.
Rx Discount Card – Offers discounts on prescription medications, supplementing drug coverage gaps.
Medicare Supplement (Medigap) Insurance – For those eligible, helps pay costs not covered by Medicare, such as copays and deductibles.

"Suzette has a thorough knowledge of Medicare and helped my husband and I along with many family members to select the best packages for us."

" I was Happy to meet Suzette, finally someone to provide personal service at your convenience. She is extremely knowledgeable of Medicare Healthcare products and can answer any question you might have. I meet with her every year and her services are exceptional. Thank you Suzette "

" Suzette is very knowledgeable about many different insurance policies and worked hard to find the one that suited our needs."

" I like that Suzette keeps you up to date about the changes with insurance. She is patient and caring and polite. She is also very knowledgeable in what she does and is reliable and ready to answer any question you may have. "