Navigating The Maze Of Social Security

Claiming Strategies for Fifty Shades of Grey

Stephen J. Stellhorn RMASM

In most cases, the earlies Social Security retirement benefits can be claimed is at age 62.  This may not be the optimal age at which to claim. Yet 50% of individuals claim benefits when they turn 62 and another 25% claim within a year of turning 62.  Making the wrong claiming decision, which is usually irreversible, can result in hundreds of thousands of retirement dollars being left on the table.  

You can go to Social Security Administration’s website; there you will find over 120 different publications you can wade through to find answers to your Social Security questions.  Or, in one concise book your questions about Social Security are answered in an easy to read format, including 50 situational examples.  These’s no need to feel confused. unsure, bewildered or lost anymore.  

Topics covered in Navigating The Maze of Social Security are Disability Benefits, Earnings credits, Earnings Cap Restrictions, Benefits and income Taxes, Delayed Retirement Credits, Social Security and Annuities, Longevity Risk, Spousal Benefits, Survivor Benefits, Dependent Benefits,  File and Suspend Strategies, Restricted Claim Strategies, Combination Strategies, Widow and  Divorce Rules, Remarrying Rules, Same Sex Marriages, Medicare Coverage and Medicare Costs.  Take time to understand all your options before you claim benefits

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Evershine Press, Inc. offers its titles at quantity discounts available to anyone interested in quantity purchases. Whether your interest is for personal gifts or business purposes, please feel free to contact us for information. Quantity discounts begin with the purchase of five books. Shipping is billed actual UPS, first class postage or other specified at time of order. Contact debi@evershinepress.com

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Navigating The Maze Of Health Insurance Choices

A Comprehensive Look At Individual & Small  Business Options

Stephen J. Stellhorn, RMAsm

In 2014, we’ll see the most sweeping health care reform changes ever take place in the United States as the majority of the key elements of the Affordable Care Act are implemented,  This will change access to health care,  its delivery and most likely its costs in this country for years to come.

What do all these changes mean to you as an individual, small business owner or budding entrepreneur?  Should I maintain my existing company benefits? Do I have to get my health insurance from these new exchanges?  Can I keep my existing indiviual policy?  What if I have a pre-existing health healh condition?  I have low-income, what options are there?  Will I have to pay a penalty?  Are my Medicare benefits affected?  Can my existing policy be cancelled? What’s a SHOP?  Can I get some help? 

In one concise book your questions about health insurance are answered in an easy to read format, including the new 2013 Health Insurance Marketplaces.  There’s no need to feel confused, unsure, bewildered or lost anymore.  

Quantity Discounts

Evershine Press, Inc. offers its titles at quantity discounts available to anyone interested in quantity purchases. Whether your interest is for personal gifts or business purposes, please feel free to contact us for information. Quantity discounts begin with the purchase of five books. Shipping is billed actual UPS, first class postage or other specified at time of order. Contact debi@evershinepress.com

Retail $14.95

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Stellhorn, Stephen J.

  Stephen J. Stellhorn is the founder of MSM Capital Management, LLC.  His financial services career spans over 25 years of experience in banking, investments and insurance.  He is also a licensed insurance agent in Florida  The firm’s focus is helping clients optimize their personal capital to structure a sustainable income stream during their retirement years through a comprehensive health care … Continue Reading →

Navigating The Maze Of Medicare

A Comprehensive Look At Your Coverage Choices

Stephen J. Stellhorn, RMASM

2014 Edition

Unless you’re disabled and receiving SSI Disability benefits, 4 months prior to turning 65, including your birth month you me be eligible to enroll in Medicare through Social Security.  then all the question begin such as how do I enroll?

Does Medicare cover everything I might need?  Will Obamacare change my benefits and coverage?  Are there penalties for not enrolling? Whats the cost?  Are my prescriptions included  Shoulds I get a supplement or advantage plan??  What are formularies?  What is the “donut hole”?  What’s the difference between copays and coinsurance?  Got to Medicare.gov, a federal government website managed by the Centers for Medicare & Medicaid Services (CMS), and there you will find over 100 different publications covering various facets of the Medicare health insurance program.

Or, in one concise book your questions about Medicare are answered in an easy to read format, including the new changes for 2014.  There’s no need to feel confused, unsure, bewildered or lost anymore.

Quantity Discounts

Evershine Press, Inc. offers its titles at quantity discounts available to anyone interested in quantity purchases. Whether your interest is for personal gifts or business purposes, please feel free to contact us for information. Quantity discounts begin with the purchase of five books. Shipping is billed actual UPS, first class postage or other specified at time of order. Contact debi@evershinepress.com

Retail $14.95

Continue Reading →

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Coulda, Shoulda, Woulda

Lessons, Learnings, and Insights from a Mother about her Daughter’s Battle with Cancer By Kenna P. Marriott Jeannine Mongelli was forty years old when she was diagnosed with breast cancer. After a two year battle and a short remission, the cancer metastasized in her backbone. It was aggressive and incurable. In Coulda, Shoulda, Woulda, author Kenna P. Marriott, Jeannine’s mother, … Continue Reading →