Who is Senior Benefit Services?

by: Amanda Westbrook, Marketing Manager | 9/29/16 | Senior Benefit Services, Blog, Life & Health Insurance  | www.sbsteam.net | 800.627.2768

"We are often asked as a company: "What makes you different?" Beyond many things we can list is the underlying fact that we DON'T work for one insurance company - we work for YOU." -David McNerney, Company President

Who is Senior Benefit Services?

Founded in 1975, Senior Benefit Services (formerly known as Barnes Insurance Group) has grown to become one of the largest senior benefit organizations in the nation. We're an Insurance Brokerage that specializes in the Life & Health Industry with a majority of our focus on the Senior Market and people aging onto Medicare (ages 65+). However, with our large portfolio of products readily available, we can also assist anyone in the family with their insurance needs. Our portfolio includes: Medicare Products, Life Insurance, Cancer Coverage, Long Term Care, Dental/Vision/Hearing, Investments & Annuities, and MORE.

What do we do?

We stated that we are an insurance brokerage - but what does that mean? It means that out of all of those top-rated companies that you are familiar with, and may even be insured with, that we represent over 50 of them! Yes, you read that correctly. When we sit down with our clients, we are able to lay out a wide range of over 50 companies with their corresponding portfolio of products, to help figure out which one works BEST for that persons' unique and individual needs. Nobody is the same when it comes to what type of coverage they require - even husband and wife differing at times - so it's very important that we do the research to a have full, comprehensive knowledge of what's out there. 

What else makes us unique? For starters, the average age of one of our independent agents is 25. Some may think that's "too young" or makes them "less knowledgeable." But think about these few things:  1. The insurance market, as I'm sure you're aware, is a constantly changing market place. Therefore, no matter if you've been in the industry for 2 years or 20 years, you can never stop learning or "know enough." 2. Adding on to that - as a brokerage we're constantly required to stay informed on trends and new products, as well as participate in continuing education on a regular basis. We're schooled, trained, and experienced to provide the best services nation-wide. 3. We're here to work with you FOR LIFE. Being the younger demographic that we are, we're able to grow with you, keep you updated each year, and always be the one you can trust when it comes to your decision making and planning. In other words, we're never going anywhere! Some final thoughts: Our services are truly one of a kind. Yes we sell insurance, but that's not our priority. There are over 40 Million seniors in the marketplace and an shockingly low average of around 1,000 agents in each state.  We sit down with too many people that have been taken advantage of, haven't seen their agent for years, or have simply been lost alone in the sea of all this information. We offer our services at no cost to you, so let us come sit down with you and start planning.

We're just one phone call away: 800-627-2768

Visit us Online at: www.sbsteam.net

Heat Stress in Older Adults

It's June! Time for fun in the sun, but also time to be extra cautious about too much time in the heat... 

Heat Stress in Older Adults

Older adults (that is, people aged 65 years and older) are more prone to heat stress than younger people for several reasons:

• Older adults do not adjust as well as young people to sudden changes in temperature.
• They are more likely to have a chronic medical condition that changes normal body responses to heat.
• They are more likely to take prescription medicines that impair the body's ability to regulate its temperature or that inhibit perspiration.

Heat Stroke

Heat stroke is the most serious heat-related illness. It occurs when the body becomes unable to control its temperature: the body's temperature rises rapidly, the body loses its ability to sweat, and it is unable to cool down. Body temperatures rise to 106°F or higher within 10 to 15 minutes. Heat stroke can cause death or permanent disability if emergency treatment is not provided.

Signs and Symptoms of Heat Stroke

Warning signs vary but may include the following:

• An extremely high body temperature (above 103°F)
• Red, hot, and dry skin (no sweating)
• Rapid, strong pulse
• Throbbing headache
• Dizziness
• Nausea

Heat Exhaustion

Heat exhaustion is a milder form of heat-related illness that can develop after several days of exposure to high temperatures and inadequate or unbalanced replacement of fluids.

Signs and Symptoms of Heat Exhaustion

Warning signs vary but may include the following:

• Heavy sweating
• Paleness
• Muscle Cramps
• Tiredness
• Weakness
• Dizziness
• Headache
• Nausea or vomiting
• Fainting
• Skin: may be cool and moist
• Pulse rate: fast and weak
• Breathing: fast and shallow

What You Can Do to Protect Yourself

You can follow these prevention tips to protect yourself from heat-related stress:

• Drink cool, nonalcoholic beverages. (If your doctor generally limits the amount of fluid you drink or has you on water pills, ask him how much you should drink when the weather is hot. Also, avoid extremely cold liquids because they can cause cramps.)
• Rest.
• Take a cool shower, bath, or sponge bath.
• If possible, seek an air-conditioned environment. (If you don't have air conditioning, consider visiting an air-conditioned shopping mall or public library to cool off.)
• Wear lightweight clothing.
• If possible, remain indoors in the heat of the day.
• Do not engage in strenuous activities.

What You Can Do to Help Protect Older Adult Relatives and Neighbors

If you have older adult relatives or neighbors, you can help them protect themselves from heat-related stress:

• Visit older adults at risk at least twice a day and watch them for signs of heat exhaustion or heat stroke.
• Encourage them to increase their fluid intake by drinking cool, nonalcoholic beverages regardless of their activity level.
  
  Warning: If their doctor generally limits the amount of fluid they drink or they are on water pills, they will need to ask their doctor how much they should drink while the weather is hot.
• Take them to air-conditioned locations if they have transportation problems.

What You Can Do for Someone With Heat Stress

If you see any signs of severe heat stress, you may be dealing with a life-threatening emergency. Have someone call for immediate medical assistance while you begin cooling the affected person. Do the following:

• Get the person to a shady area.
• Cool the person rapidly, using whatever methods you can. For example, immerse the person in a tub of cool water; place the person in a cool shower; spray the person with cool water from a garden hose; sponge the person with cool water; or if the humidity is low, wrap the person in a cool, wet sheet and fan him or her vigorously.
• Monitor body temperature and continue cooling efforts until the body temperature drops to 101°–102°F
• If emergency medical personnel are delayed, call the hospital emergency room for further instructions.
• Do not give the person alcohol to drink.
• Get medical assistance as soon as possible.

Source: Centers for Disease Control & Prevention

http://emergency.cdc.gov/disasters/extremeheat/older-adults-heat.asp

Unexpected Costs of Medicare

The Unexpected Costs of Medicare

With a little planning, seniors on Medicare can minimize their out-of-pocket expenses.

Seniors can save hundreds – or even thousands – on Medicare costs through careful planning.

By Joseph P. WilliamsOct. 15, 2014, at 8:00 a.m.+ More

​Created in 1965, Medicare was intended to answer growing reports of impoverished seniors languishing or dying because they lacked health insurance. Since then, Medicare has acquired a reputation as the ultimate government entitlement, a system of low-cost, taxpayer subsidized health care provided at the stage in life when retirees need it most.

[Read: What You Need to Know About Medicare Open Enrollment.]

But the broad-reaching health care insurance system comes with costs that many seniors – including those already using the plan – don't see until the bills show up. Those out-of-pocket expenses, according to experts, can range from hundreds of dollars in monthly premiums and office visit copays to six-figure bills for surgery and hospitalization for things like joint-replacement operations, a procedure common among older Americans.

Those costs, which add up quickly, can stress or even break a household budget, particularly for retirees getting by on fixed incomes. Even declining to sign up for Medicare when you first become eligible, experts say, can cause a lot of pain in the wallet later on.

"A lot of people looked at Medicare as this Promised Land – 'Everything is covered, until the end of time,'" says Nicole Duritz​, vice president of health education and outreach for AARP, a nonprofit advocacy group. "I don't think people have a great understanding of how the system works. They're surprised at how much they'll have to contribute."

Compared to individual or group health insurance plans, "Medicare is unique in that it has no out-of-pocket spending limits," says Nancy Metcalfe​, a health policy analyst at Consumer Reports.

That's because Medicare plans are typically private health insurance policies that are government-subsidized. Nothing is completely covered, and no expense is 100 percent paid for. Though the subsidies paid to the insurance companies help keep costs low for seniors, the plans vary and usually require beneficiaries to pay some premiums.

There's good news, however: Metcalfe and others say a little planning, homework and realism can go a long way toward helping Medicare consumers keep more of their hard-earned money in their pockets.

That means seeing past the monthly premium payment to take a hard look at what may be some uncomfortable things – including a realistic assessment of your finances, anticipating how healthy you'll be during your sunset years and choosing what services you might need in a worst-case scenario.

Updated on Oct. 15, 2014: This article was originally published on Oct. 18, 2013 and has been updated to reflect new costs.

Visit Health News to Learn More: http://health.usnews.com/health-news/medicare/articles/2014/10/15/the-unexpected-costs-of-medicare

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