Fiduciary Blog

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26 November 2017

2018 Medicare Part B Premiums & Costs

The Centers for Medicare and Medicaid Services (CMS) recently announced the 2018 Medicare Part B premiums.  In addition, the Medicare Part A deductible and coinsurance amounts, and Part B deductible were released.  Check out the summary below: Medicare Part B Premiums Those who have been "held harmless" from higher Part B premiums in the last two years...

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23 May 2017


  Income is critical to most employees' financial security, yet few employees think about how an illness or accident could put their income at risk. Learn the facts about the causes and odds of experiencing an income-interrupting disability. [pdf-embedder url=""]

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15 February 2017

Don't Forget...Your Medicare Part D Plan Might Have a Deductible to Meet

Every January 1st, Medicare Part D prescription drug plans reset.  This means if your plan has a deductible to reach (prior to when the plan kicks in coverage), you will possibly incur higher drug copays in the early part of the year.   The maximum Part D plan deductible in 2017 is $400.  Some plans have a $400 deductible -- some have a $0...

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17 October 2016

Medicare Misconceptions (updated for 2017)

It can be very easy to make mistakes when becoming eligible for Medicare.  Medicare enrollment is incredibly time-sensitive, so that’s why it’s important to be fully informed on your options. Here are the most common Medicare misconceptions we see on a regular basis that could cause trouble for Medicare beneficiaries:   Medicare Misconception...

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3 October 2016

2017 Medicare Open Enrollment Period

Each year, the Medicare Annual Open Enrollment Period (AEP) runs from October 15th through December 7th.  This is the special time frame when Medicare beneficiaries have the option to make changes to certain types of Medicare health insurance plans.  Any changes made during AEP will take effect January 1st of the upcoming year (January 1st,...

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15 September 2016

The Health Savings Act of 2016 (H.R. 4469) - Medicare & Health Savings Accounts

The Health Savings Act of 2016 (H.R. 4469) was introduced in the U.S. House of Representatives on February 4th, 2016 by Rep. Erik Paulsen of Minnesota.  The bill's summary and full text can be accessed here.  So, why is this relevant?  Because this proposed bill has...

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7 July 2016

Hybrid Long-Term Care Insurance Policies

Should you purchase a traditional long-term care (LTC) policy or a hybrid long-term care policy?  This is a common question many ask when considering a long-term care insurance policy purchase.  Unfortunately, the answer is not so simple.  Each family has unique circumstances, and our recommendation will vary.   We always feel...

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2 May 2016

Fiduciary Insurance Group Now Offering Property & Casualty Insurance

  ANNOUNCEMENT   Fiduciary Insurance Group is now offering property & casualty insurance! Whether it’s homeowner’s, auto, or business insurance, we will use our same independent and objective philosophy to find you the best value. Check out our new Property &...

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1 April 2016

Why You Should "Save Your Age" When Purchasing Life Insurance

What is your life insurance age?  Well, if you are within 6 months of your next birthday, most insurance carriers act like you already blew out the candles.  What this means is you will be paying higher insurance premiums for your life insurance coverage if you are past your half-birthday.  

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1 December 2015

The True Cost of Caregiving

Genworth recently released the findings from their Beyond Dollars research project. The research focuses on the impact of long-term care: financial, logistical, emotional and health related. Lets take a look at some of the key findings:   The changing face of long-term care 62% of caregivers are between ages...

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15 November 2015

2016 Medicare Part B Premium, Changes to Social Security Filing Strategies (UPDATED)

On October 30th, the Senate approved the House-passed budget/debt ceiling limit deal (H.R. 1314).  President Obama is expected to sign the bill into law this week.  This bill avoids a default and government shutdown, but the Medicare premium updates and Social Security benefit changes are quite possibly the most important to the average...

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10 September 2015

Conflicts of Interest

A no-cost luxury car lease. An all expense paid African safari. A luxury cruise vacation for your entire family. No, these incentives didn’t come from a car dealership or travel agency, rather from an insurance company. These are the kinds of perks an insurance agent can receive for selling a lot of policies with a particular insurance company. It sounds crazy, but these...

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10 September 2015


Welcome to the new Fiduciary Insurance Group website! We have updated our site to better reflect our unique philosophy to insurance planning. We feel the new content will provide you the information necessary to understand how we approach insurance.   From time to time, we will include new blog entries about insurance products, industry topics, as well as links to...

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