Medicare maximization is only worth doing if the retiree comes out ahead.
The plan benefits when Medicare pays first, but the case for the work has to be the retiree’s: disability income they were entitled to, Medicare alongside the group plan and protection of the retirement benefit they will draw later. We check all three for each person before recommending anything.
Four gains, and each has to be checked for the person, not assumed.
The value differs by age, work record and health, which is why we look person by person.
Income They Were Owed
Social Security disability benefits are paid on the retiree’s own work record. For someone who stopped working because of illness, that can be income they were entitled to and never claimed, so the first question is always what it is worth to them.
Medicare Plus the Group Plan
With Medicare paying first and the retiree plan second, two payers stand behind each claim. We check the plan terms, because how the plan coordinates decides what the retiree actually pays.
The Retirement Benefit Later
A disability freeze keeps years of low or no earnings caused by the disability out of the benefit computation, and disability benefits convert to retirement benefits at full retirement age. Both help protect what they will draw for life.
Better Than Early Retirement
A retiree on reduced early retirement who is approved for disability is paid whichever benefit is higher. For some that is a lasting improvement in monthly income, which is why early retirees are worth a second look.
Sometimes the right advice to a retiree is not to pursue it.
We say so, because the work only stands up when it is in the retiree’s interest.
Close to Full Retirement Age
Near full retirement age the gap between disability and retirement benefits narrows, while the effort of applying stays the same. For some retirees the gain does not justify the process, so we tell them.
The Part B Premium
Part B carries a premium. Unless the plan reimburses it or coordination saves the retiree more than it costs, adding Medicare can leave them worse off, which is why the plan design question comes first.
Other Offsets
Disability benefits can reduce a long-term disability benefit or interact with other income. We map those interactions before anyone applies, and a CPA or attorney decides the questions that turn on tax or law.
The plan benefits because the retiree does, not instead of them.
A program built this way holds up with retirees, with unions where they are involved and with anyone who reviews it later.
Consent at Each Step
Nothing is filed without the retiree’s agreement, and they can stop at any point. That protects the relationship, which matters more to a retiree program than any single year’s claims.
Design That Shares the Gain
Some sponsors reimburse Part B premiums or adjust retiree contributions for those who enroll. How that is structured has rules of its own, so counsel reviews it before it is offered.
Plain Disclosure
We tell retirees openly that the plan also benefits. A retiree who knows why the plan cares can judge the advice about their own benefits on its merits.
What retirees ask us.
Will applying for disability reduce my retirement benefit?
Generally the opposite: disability benefits convert to retirement benefits at full retirement age, and a disability freeze protects the earnings record. Your own figures come from Social Security, and we help you read them.
Do I have to take Part B?
A retiree plan that pays second usually assumes Part B is in place once Medicare is available. We explain the plan’s terms and the enrollment periods so you decide with the costs in view.
Whose side are you on?
We advise you on your benefits and tell you plainly where your interest and the plan’s differ. If you decide not to go ahead, that is the end of it.
Send us your renewal.
We’ll tell you whether it looks competitive, where we see opportunity, and the five questions we’d put to your carrier. No cost, and no obligation to move anything.
The renewal letter
Your current plan summary
Contribution split by tier
Enrolled counts by tier
Four documents — two more if your group is 50 or more. Nothing else; every extra one is a reason to postpone.
An independent employee benefits consulting firm. We look at the entire benefits program — cost, plan performance, risk and administration.
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