Long Term Care Insurance Tip #2

LTC Insurance Tip No. 2:

You may or may not need long term care insurance.

Don’t get me wrong. Many people may need Long-Term Care (LTC) insurance. But before you grab the phone to call an insurance agent, consider whether you really need this insurance. You need to know exactly how it works and what triggers the policy. First it provides assistance with daily tasks for those who need som…

10 tips to Buying insurance


Why are you buying insurance? What are yuo trying to protect?

Over the next few days we’ll share a few points on buying insurance and making smarter decisions to best fit your needs remember no one philosphy applies to everyone. Take yur time and know what and why you need any type of coverage

Buying Life Insurance Tip No. 1:
Buying term insurance and investing the difference may b…

Medicare Payroll tax; A few more Facts

An unprecedented increase in Medicare payroll tax

Since its inception, payroll taxes that fund Medicare programs have been dedicated specifically to funding Medicare.  H.R. 3590 increases the Medicare payroll tax to 2.35 % but it uses the additional revenue to pay for non-Medicare programs, creating a concern to use this additional tax to pay for more non-Medicare programs in the future.


A new tax on small business: health insurance plans

Promoted as a “health insurance fee,” this tax is actually a tax on small businesses . The new tax is structured as an annual fee on insurance carriers and it does not expire. The annual “fee” begins at $8 billion in 2014 and steadily increases to $14.3 billion in 2018. In subsequent years, this fee remains at $14.3 billion annually added to whatever the rate of premium increase is for…

Healthcare Reform a few Facts

The tax credit is not a real incentive for small businesses

Often cited as the cure-all for small businesses, the small business tax credit will do little to nothing to make purchasing insurance more affordable for small business owners. The tax credit that is poorly structured is not going to provide sustainable and long-term relief from high healthcare costs.

Very few small businesses…

Healthcare reform for small businesses

We will continue to explore the possible impact that the new reform will have on our society and how it may or may not affect premiums by insurance companies.
Begining 2010 small employers with less than 25 employees and an average wage and tax of less than 50K per employee will receive a tax credit of 35% and increase up to 50% in 2014 when the exchange is in full operation Employers with fewer…

Optimized Benefits Blog

Welcome to the Optimized Benefits Blog. Our objective is to use this space to help better inform you on insurance and other financial matters that can impact your personal finances. We will try to address changes in the marketplace such as Healthcare reform and look at possible effects it will have on individuals and business. As always we welcome questions and will answer as many as we can…

IRS Tax Credit

The Internal Revenue Service will be mailing postcards to more than four million small businesses and tax-exempt organizations to make them aware of the benefits of the recently-enacted small business health care tax credit.

Included in the Patient Protection and Affordable Care Act, the credit is one of the first health care reform provisions to go into effect. The credit, which takes effect…

Healthcare Reform

On March 23rd President Obama signed into law a Bill that would refrom Healthcare in America and how insurance companies are allowed to operate. The 2000 plus page Bill outlines rules for insurance companies and how the must operate. In addition it also madates that business with over in payroll must offer coverage. By offering coverage businesses will be required to pay 50% of the premioums for…

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

Contact Us

55 W Wacker Dr 14th Floor
Chicago IL 60601

312 263 1590 X 101

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