Another U.S. Appeals Court Rules Individual Mandate Unconstitutional

A U.S. Court of Appeals based in Atlanta last week upheld a lower court ruling that found Congress exceeded its power in requiring Americans to obtain insurance starting in 2014. But the issue is far from over the Obama administration has appealed the decision and is strategizing to delay decisions before the election

One factor that could sway the timing is the legal strategy of the Obama…

Make sure you don’t outlive your retirement savings

With advance in medical technology addressing or curing medical issues many Americans are living a lot longer than they expected and the future advance in medicine will only increase the time that people are living so the question for American to consider is how they will finance their retirement years. What will people do if they do not have enough money put away and how can we best protect…

Will Social Security reduce its payments in the future

Lets face it, the federal governemnt is in trouble. the governement is operating at a deficit in all areas. Social Seciryt and Mediare are two huge expenses to the federal government and the future is just going to get worse

With people living longer and the cost of medical care rising faster than any other industry, it makes it impossible for the Federal government to keep things going t…

Employee Loyalty on the Decline

As the economy continues to improve, employee loyalty is on the decline.

According to the recently released Study of Employee Benefit Trends, employee loyalty has declined year-over-year and has now reached a three-year low.

Yet many employers may be caught unaware by this downward trend. Employer responses show they assume employees feel as loyal today as they did three years…

Does the new health care law impose a 3.8% tax on profits from selling your home?

Yes For some Americans but not all. The first $250,000 in profit from the sale of a personal residence won’t be taxed, or the first $500,000 in the case of a married couple. The tax falls on those with high incomes from other sources

The truth is that only a percentage of home sellers will pay the tax. First of all, only those with incomes over $200,000 a year ($250,000 for married couples…

Healthcare Reform;

Well now that the elections are over and the Democrats no longer have control of the house of representative it is likely that Healthcare reform will be over turned but the process is not all that easy. First the President needs to approve a new bill and that is not likely to happen, then the senate would need to override the Presidents decision and since it is a Democratic Senate I don’t think…

Healthcare Reform

So why are claims so high / expensive ?

In my opinion the business model by which Healthcare functions is designed to drive cost up not down.

Besides being fragmented, competition between physicians and hospitals does not really exist in the industry. Unlike every other industry, Healthcare is the only industry where a consumer will purchase a product or service without knowing the cost u…

Healthcare Reform

Over the next several days I will take a look at what possible outcomes the new healthcare reform could have on Americans. To weigh out the positive and negative affects and explore what might happen If

The New Healthcare reform bill signed into Law on March 23, 2010 has come under much debate and no one has a clear understanding of exactly how it may or may not affect Americans.


Buying Life Insurance Tip # 4

Blending term and whole life or other permanent coverage into one policy is the secret your agent doesn’t want you to know.

A blended policy combines term and permanent life coverage into a single policy. Over time, the term portion of the policy expires or is replaced by the cash value death benefit increase of the permanent side of the policy. The bottom line is that a blended policy can…

Buying Life Insurance Tip No. 3:

The type of policy you buy may be as important as determining the amount of coverage you need.

The focus of the insurance industry has been to persuade people that they need to purchase more life insurance. An even more critical issue may relate to the kind of policy you buy. Your need for life insurance generally decreases with age. This is significant because term insurance is relatively…

About Optimized Benefits

Optimized Benefits is a Boutique Firm dedicated to providing smart solutions to the small and mid-sized business owners and their Employee Benefits plans
we have a focus on Retirement (401K) and Group Health plans

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Chicago IL 60601

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