Group Insurance Solutions

06/02/2026

05/16/2026

Extended care is one of the biggest wild cards in retirement.

Costs vary by location, care type, and health needs—but they've all been rising faster than many realize.

These five insights can help you understand what drives costs and why they often catch retirees by surprise.

Sources:
CareScout, Cost of Care Report, July–December 2024
AALTCI, Long-Term Care Insurance Statistics & Data 2025
EBRI/Greenwald, 2025 Retirement Confidence Survey, April 2025

05/13/2026

Retiree Health Care Coverage Overseas

Many retirees plan to travel abroad—But health coverage doesn’t always travel with you.

Medicare generally does not pay for care outside the U.S., except in three situations:

-A medical emergency occurs in the U.S., but a foreign hospital is closer.

-You’re traveling through Canada between Alaska and another state during an emergency.

-You live in the U.S., but a foreign hospital is closer to your home than a U.S. one.

Medigap plans C–J, M, and N include emergency coverage abroad:

$250 deductible
80% of emergency costs covered
$50,000 lifetime maximum
Applies only during the first 60 days of a trip

If You Don’t Have Medigap
Check your private plan or Medicare Advantage policy to confirm whether it covers overseas care.

If you do not have coverage when traveling overseas, policies may be purchased that will cover medical expenses incurred outside the U.S., including evacuations.

1. AARP.org, March 6, 2025
2. Medicare.gov, 2025

05/11/2026

Most people insure their car, home, and phone… but forget the one thing that actually pays for all of those: their income.

Here’s a quick cheat sheet on disability insurance:

• Replaces part of your income if you can’t work
• Comes in four forms: STD, LTD, SSDI, SSI
• Short‑Term covers a few months
• Long‑Term can last years
• And yes — disability is more common than you think

Protecting your income is protecting your future.

05/10/2026

Mom taught me that "waste not, want not."
That grocery lists matter.
That rainy day jars aren't just for spare change; they're one way she prepared for life's "what ifs."

Whether she balanced the checkbook down to the penny or found creative ways to stretch a budget, many of us carry her financial wisdom with us.

What's a money lesson your mom shared that still sticks with you?
Drop it in the comments—we'd love to hear what stayed with you. 💬👇

05/07/2026

May is National Small Business Month!

05/04/2026

Are you covered?