Seniors

Although you have Medicare Parts A & B, there are still gaps in the coverage that require a Medicare Supplement and Part D.

Remember: Apply within six months of the effective date of your Medicare coverage of Part B and you will have guarantee issue of Medicare Supplements.

Part D Rx- suggests you apply when you first become elgible @ age 65 so as to prevent a 1% premium penalty per month. 

• Finanacial Planning
• Dental
• Estate Planning and Estate Conservation
• Medicare Supplements
• Medicare Part D Rx

We use the "team approach" by utilizing attorneys, certified public accountants, and investment advisors as necessary to meet your goals.

Guaranteed Income for Life - Guaranteed Income Annuities backed by: Wharton Business School Study stated that

"An income annuity is the only asset class the two professors found that most effectively addresses the risk of outliving your nest egg, because it generates a permanent stream of income, unlike a typical nest egg of stocks, bonds, and cash."

Jeff D. Opdyke

            Wall Street Journal

Note: life expectancy has risen in the USA to 77.9 years!

Clicking the Citizens Security Group logo will take you directly to the retiree portion of their web site where you can view their dental and vision plan offerings, or look for a provider in your area. Clicking on your plan(s) of choice will show you cost and coverge options, and you can click on the application link near the bottom of the page. You will need to print out the blank application form; then complete the application form; and then fax the completed application to Krol Insurance at 502-875-3615. 

Clicking the CompBenefits logo will take you directly to their web site where you can access their dental enrollment form (C550) online. You may also view or print out the schedule of benefits from that web page.  CompBenefits will allow you to fill out the form online.

Please do not hesitate to contact us at 502-875-3477, or 1-800-467-5765 toll free to discuss your needs.

Or click the “Contact Us” button to send us a request, and I will contact you to discuss the details of your particular needs.

Copyright 2007 Krol Insurance and Consulting. All rights reserved.