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Life, Disability, Long Term Care & Retirement
Disability Income – Pay Check Protection
SDI State Disability Insurance
SDI for Business Owners
SBA CoronaVirus Loans
SDI State Disability Benefits Taxable?
Unemployment Compensation – Can’t find job – Corona Pandemic
Unemployment Compensation? MAGI Income?
Beneficiary under 18? Is that permitted? Grandchild coverage?
Estate & Gift Taxes
Coverdell Education Savings Account
529 College Savings
Bank Accounts into a Trust?
Charitable Remainder Trust
Executor – Successor Trustee – What are the duties?
Sample – Example California Will – Where does your stuff go?
Health Care Directives
Will Contests – Disinherit a child
Special Needs Trust
Proposition 13 Lower Property Tax on Inheritance
Business – Key Man Life
Find a lost or missing Life Insurance policy
Life Settlements – Sell your unwanted policy
Rated – Surcharged Policies
Final Expense – Almost Guaranteed Issue
Term Life Instant Quotes – How much do you need?
Universal Life Insurance
Long Term Care Nursing & Home Health Care
§1035 Exchange of Annuities or Life Insurance for Long Term Care Planning
7 Activities of Daily Living ADL
CA Law – Long Term Care
Nursing Homes – Assisted Living – Finding and Selecting the best ones
Employer Groups – Long Term Care
Benefits from Employer LTC are not taxable §104
Tax Qualified LTC Policy
Medi Cal – Long Term Care & Nursing Home Estate Recovery – Strategic Planning
True Freedom – Home Health Care ONLY Coverage
Annuities & MAGI Income Taxation Exemption
TSA-Teacher Retirement Plans – Tax Sheltered Annuities
Divorce & STRS – State Teachers Retirement Plan
Business – Employer Sponsored Retirement Plans
Secure Choice -CA State Run Retirement System
Selling and Valuation of an Insurance Practice?
SEP – Simplified Employee Pension
IRA – Individual Retirement Account
Provider – Doctor Finder
Employer Health Plans
AB 1083 – PPACA – CA law to comply with Federal Law
90 Day Maximum Waiting Period?
Late Enrollee – Triggers – Qualifying Events
Definitions Health Care Reform
EmployER Definition – Health Care Reform
1099 vs Employee & Other Defintions
Bona Fide Employer-Employee Relationship – non spousal
Dependent Definition – Up to Age 26
Add Newborn baby deadline 30 days
Registered Domestic Partners – Spousal Health Coverage?
Grand Mothering SB 1446 – Unbelievable Rate Increases! Historical
Insurance Company requirements AB 1083
Employer Group Association Plans – Trump’s Executive Order – CA prohibition
Health & Safety Code Requirements Insurance Companies must Follow!
Participation & Contribution Requirements
Documents to show bonafide Employer in business
Fictitious Business Name
Enforcement – Participation – Recertification – Actively @ Work
Actively @ Work Corona Virus Quarantine?
Why enroll in your Employers Group Health Plan?
Employer Group or Individual Coverage?
FAQ's for Owners & Employees?
Management Carve Outs
Common Ownership – Affiliated Companies – Corporations
Salary Discrimination §2716 – Not enforced
Similarly Situated Employees
Special Annual Open Enrollment – NO Rules!
Premium – Rating Factors
AB 1672 – (1992 to 2013) Small Group Guaranteed Issue Historical
Carrier Requirements Historical
Definitions – Historical
Carriers – Companies
Blue Cross – Anthem
Administrative, Renewal & Wellness Tools
Anthem Pay Forward – Get Cash Backs
PPO – HMO – Network Options
Rx Prescription Information
Anthem Blue Cross Dental
Blue Shield Dental
California Choice – Multiple Companies ONE Bill
Administrative, Wellness & Renewal Tools
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Kaiser Permanente – New Enrollment
Administrative Tools & Info
Self Funded Plans – Ben E Lect
Sharp Health Plan
SHOP – Covered CA for Small Business
Sutter Health 2021
United Health Plan
Administration & Wellness
COBRA – Right to Keep your Employer Group Health Coverage
California Cal-COBRA 36 months total coverage
Out of State or self insured Employer
Dental, Vision, Supplemental
Supplemental – Cancer
Quotes Employer Group – California – Instantly
Broker of Record Letter We can help with your coverage no extra charge
Tax Credits Small Business §45 R
IRC §106 Health Insurance Deduction for Employers & Employees
Schedule C – Self-Employment Income – Line 12
Employee Business Expense Unreimbursed
Hobby or Business?
Home Office Deduction
Section §105 -HRA Health Reimbursement
IRC §106 FAQ's – Individual Plan Reimbursement? Cash in Lieu of Benefits
Wrap Plans HSA HRA now allowed legal history
Section 125 – POP Plan Employee Contributions are Tax Deductible
§125 Cafeteria Plan – Full Benefit
Individual & Family
Income Chart – Line 8b 1040 Covered CA MAGI
Household Definition – Who counts?
Claimed as a dependent Household Definition f 2
Family Members? vs Household Question 15 A MC 262
Married Couples Household definition f 4
Not Claimed as Tax Dependent – Household Definition F 1
Not filing a return – nor claimed as a dependent f 3
Blue Cross – Anthem
Blue Cross Dental
Grandfathered Plans – April 2020
Grand Fathered Plans What does that mean?
Blue Shield 2021 PPO & Trio
2021 Trio HMO ACO
Blue Shield Dental & Vision
Member Portal – How to set yours up
Health Net 2021 Individual Information & Enroll
Kaiser Medical Financial Assistance Program (MFAP)
Pay Premium ONLINE? Member Services
Oscar Health Insurance
Sharp Health Plan
Sutter Health 2021
Western Health Advantage
Fraud, Scams, Waste & Abuse
Risk Adjustment Fraud Bumping up illness to get more $$$
Health Care Reform & Medicare?
California Single Payer Cal Care AB 1400
Taxes to Fund Medicare
Additional Medicare Tax
Threats to cut Medicare?
Medi Gap – Supplement Plans – non conical
Anthem Blue Cross
Blue Shield – Medi-Gap – Any Medicare Provider
Guaranteed Acceptance – Medi-Gap – Supplemental Plans
Loss of Employer Coverage
MAPD Trial Period – Come back to Medicare and Medi-Gap
Medical Questions – Underwriting – If not in Guaranteed Issue Period?
Medicare Advantage Reduces Benefits, Co Pays, increase in premium
Turn Age 65 or newly enrolled in Part B
No more plan F? Only G? MACRA
Medicare Advantage Plans – Part C
Anthem MediBlue Plus
SNP Anthem Blue Cross
Blue Shield 65 Plus – Inspire HMO 2021
Dental & Vision
Provider Directories, Search Tools & Instructions
Trio Medicare – Blue Shield – Sacramento
Enrollment Dates for MAPD – Medicare Advantage
Residency – CA, USA – Which State?
Outside of USA – Meet Deadline – Web Visitor Q & A
Under 65 disabled & Medicare Qualified
Best Plan can’t say it in Medicare Advantage
Obscure Medicare Health Plans – Not in CA
Motion Picture Industry Pension & Health Plan
Northup Grumman Medicare Supplements? & LACERA
Scope of Appointment – Telephone & Face to Face Meetings
Star Ratings – Medicare Advantage
Togetherness – Loneliness Social Determinants of Health
United Health Care
Part D Rx Prescriptions
Blue Cross Rx
Blue Shield Rx
Donut Hole – Coverage Gap
Maximus Appeals LEP Late Enrollment Penalty
Employer Credible Coverage
Premiums for those with High Income Parts D Rx & B Doctor Visits
Shop & Compare Tools Part D Rx
Part D Rx Low Income Subsidy – LIS – Extra Help
UHC – Part D Rx
Seminar – Medicare Information ONLINE
ONLINE Account for Medicare & Social Security
Original Medicare & Medi-Gap – Supplement vs Medicare Advantage MAPD
What’s Covered in Part A Hospital & B Doctor Visits?
Chiropractic – Medicare A & B – MAPD
Dental under Medicare is very limited
Durable Medical Equipment
End Stage Renal – Kidney Failure
under 65 End Stage Renal can I buy an policy – ObamaCare, Covered CA, Health Care.gov – direct from Insurance Company?
Enroll ONLINE for Medicare Part A Hospital & B Doctor Visits
Part A Hospital rules for zero premium
LAUSD Medicare Qualification
Part B – Doctors – How to sign up – Benefits
Medicare need if covered by Employer Plan? Retiring?
Employer Deduction for Medicare Premiums?
Part B Late Enrollment Penalty
Covered CA waiver Part B Penalty
Ex Pats Medicare if not USA resident
Part A & B Technical Code Sections
Physical therapy – occupational speech
Skilled Nursing SNF & Home Health What Medicare Pays
Hospice Coverage – Medicare
Sleep Studies, CPAP etc
Contact Us, Zoom Meetings, Privacy & License Info
17 Reasons to use Steve Shorr Insurance
Biography – Steve Shorr
Eric – Navy going away party
Lt. Paul S. Shorr US Army – Korea
Non Insurance Websites
Croatia July 2021
Home Page Mock Up
Purchase Tutoring, Research & Education
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Set a Meeting
Meeting – Expectations – Terms of Service
Privacy – HIPAA
CA Privacy Laws
Telemarketing Harassment? Unsolicited Email?
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