Home Health Care

Finally…..an affordable, comprehensive Home Health Care Insurance plan for seniors with normal or even serious health concerns.

Plan highlights may include the following…..

  • $150 per day for home health care expenses for 360 days
  • $50,000+ maximum benefit
  • $50,000+ additional adult day care  benefit(Texas only)
  • $40 per day additional for a certified home health care aide
  • $80 per day for in-hospital private duty nurse
  • $50 per day for home hospice
  • $250 annually for prescription drugs
  • $150 annually for an routine medical exam
  • $250 hearing benefit
  • $  75 vision care
  • Guaranteed renewable for life
  • Near Guaranteed issue….no exams……only two questions
  • Policies issued within 3-5 days
  • Issue ages 40-85

For your state specific brochure, outline of coverage and E-Z enrollment package, contact us at….SeniorFeds.com

If you have friends, parents or co-workers who may have been declined and may benefit from such a comprehensive and affordable plan, please forward this email to their attention……We Can Help!

Fegli Open Season ... Do Your Homework

Healthy, Senior Federal Employees Should Beware of FEGLI Open Season!

OPM has announced an open season for Federal Employee Group Life Insurance, FEGLI program. Beginning September 1, 2016, eligible federal employees will be able to increase their FEGLI benefits without regard to medical concerns.

FEGLI Option “B” allows federal employees to insure 1-5 times salary. Before exercising this option, healthy employees should consider the following:

  • FEGLI Option “B” rates increase 57% at age 50
  • FEGLI Option “B” rates increase 82% at age 55
  • FEGLI Option “B” rates increase 120% at age 60
  • FEGLI Option “B” rates increase 23% at age 65
  • FEGLI Option “B” rates increase 78% at age 70
  • FEGLI Option “B” rates increase 88% at age 75
  • FEGLI Option “B” rates increase 47% at age 80

In light of the recent concerns and uproar regarding huge rate increases of up to 126% for the Federal Long Term Care Insurance Plan, FLTCIP, healthy federal employees should carefully consider these much larger increases under FEGLI Option “B”.

Total 15 year rate increases from the following ages:

  • Age 45 – 529% increase over next 15 years
  • Age 50 – 392% increase over next 15 years
  • Age 55 – 380% increase over next 15 years
  • Age 60 – 309% increase over next 15 years
  • Age 65 – 389% increase over next 15 years

By shopping for coverage with our top commercial carriers, the guaranteed savings can be unbelievable. One of our clients actually saved $560,000 in premium….really!

Comparing $500,000 20 Year Term with FEGLI Option “B”, a healthy female employee can save the following:

  • Age 50 – Guaranteed twenty year savings of $ 67,000 or 81%
  • Age 55 – Guaranteed twenty year savings of $115,000 or 83%
  • Age 60 – Guaranteed twenty year savings of $203,000 or 83%
  • Age 65 – Guaranteed twenty year savings of $311,000 or 81%

For your free FEGLI Option “B” comparison go to AllFeds.com

Welcome To The New Seniorfeds Com

Welcome to the new SeniorFeds.com website, where senior federal employees can adjust their benefits to fit their changing goals and needs.