Contact Me!

Theresa Cangemi, CSA, CLTC

Medicare Specialist and
Independent Agent
Owner of  
"Medicare Made Simple, LLC"

H/O: 
315-676-4933

Email: 
tcangemi@twcny.rr.com

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Enrollment Options

Medicare Advantage
Medicare Supplements
Prescription Drug plans

Scope of Appointment Form
Medication Form

Other offerings

Life Insurance
Long Term Care (CLTC)
Fixed Annuities
Final Expense (Burial) Insurance
Dental insurance
Travel Insurance Coverage

Learn more!

Things to do Following the Funeral Service

It is sometimes difficult to know what to do after a funeral service. Use this list to help guide next steps!
  • Certified copies of the death certificates received.  Please inform if you need additional copies.
  • Acknowledgment cards written and sent:
    1. To those who sent flowers or brought food
    2. To those who served as pallbearers
    3. To those who assisted as musicians, custodians, altar assistants, lunch providers, etc.
    4. To clergy or others who may have spoken at the service
    5. To those who made memorial contributions
  • For any legal questions, notify an attorney.  He/She will discuss with you probating the will, inheritance and estate taxes, etc.  He/She will also help you draw up or update your own will. File your will at the local County Clerk’s office.
  • Notify insurance companies and file claims when appropriate:
    1. Life Insurance, Medical, Health, Disability, Travel, and Accident
    2. Pension Benefits
    3. Home Owners
    4. Change Automobile Insurance
    5. Change the Beneficiary on your own life insurance policy if the prior beneficiary was the deceased
  • Notify current employer or pension provider of death.  Check on group insurance benefits, survivor’s benefits, profit sharing, and or pension monies that you may be entitled to:
    1. Civil Service Employees and/or Federal Employees
    2. U.S. Office of Personnel Management, Retirement Operations Center, PO Box 45, Boyers, PA 16017, or by phone 888.767.6738 or 724.794.2005
    3. Former Employers
    4. Union Representative (if deceased was a union member)
    5. Professional and fraternal organizations
  • Apply for appropriate benefits when applicable:
    1. Pension Benefits
    2. Railroad Retirement Benefits (800.808.0772)
    3. Worker’s Compensation Benefits
  • Notify the Department of Motor Vehicles to transfer titles of all registered vehicles, mobile homes, and boats registered in the deceased’s name. The form can be obtained at the local DMV.
  • Notify Financial Advisor / Stockbroker:
    1. Check with your advisor to see how many copies of the death certificate will be needed
    2. Change ownership of joint or solely owned stocks
    3. Cancel any open orders arranged by deceased 
  • Notify Bank:
    1. Change all jointly held accounts and amend tax identification numbers
    2. Cancel direct deposit retirement benefit payments
    3. Re-establish name on safety deposit box, mortgages, loans, notes, etc.
    4. If you bank with a credit union, check to see if they supply a life insurance benefit
  • Notify credit card companies.  Some credit cards carry credit life insurance
  • Notify accountant (unless estate lawyer is preparing final tax returns).  Provide certified copies of the death certificate, previous filed tax return forms and current earnings and dividend statements
  • Cancel appointments made by deceased
  • Return any medical equipment
  • Notify schools, colleges, professional organizations regarding death
  • If the deceased was a member of a labor union, notify the union and inquire about any benefits survivors are entitled to
  • Keep an up-to-date accounting of all cash, income, and expenses
  • Collect any debts owed to deceased
  • Get hospital and medical statements as soon as possible
  • Pay all bills and taxes owed as soon as possible, such as funeral bill, income tax, real estate tax, home mortgage, hospital and medical bills
  • Make a review of your own financial situation
  • Be cautious about those who contact you to sell your merchandise, such as grave markers, cemetery space and merchandise, memorial Bible, etc.  If you are approached by someone in this regard, call us or someone else you can trust before buying
  • Referral Program Information
  • Please refer to the book given to you
  • Sample letter that may be used (mail certified with a return receipt requested)

Dear Sir or Madam,

This letter is to inform you that my (spouse, parent, child, etc.), (full name of deceased), passed away on (month, day, and year).  I understand that (he or she) may have been eligible for death benefits or survivorship pension benefits through your organization. Please inform me of whatever information and documents you may require from me as beneficiary.

Sincerely,

Signature (Type/Print name and complete address with telephone number)

What Medicare Does NOT Cover

Did you know that Medicare Part A and Part B, known as Original Medicare, does not cover everything?

Here is a list of what Medicare does not cover:

Alternative Medicine, Cosmetic Surgery, Long-term Care, Personal Care, Dental and Vision Care, Routine Hearing Exams, Foot Care, Non-Emergency Services, Overseas Coverage.

For more information on what Medicare does and does not cover, you can visit:

           http://medicare.gov/pubs/pdf/10050.pdf    

This booklet  is called the “Medicare and You” booklet for 2015.  On Page 62, it will further explain what is not covered by Medicare.

However, some of these services may be covered under a Medicare Advantage plan, like:  dental and vision care, foot care, and hearing.

 

 

New York Health Benefit Exchange – Insurance plans for all

On August 20, 2013, an announcement was made that the NY Health Benefit Exchange, the state’s health insurance exchange under the federal health-care reform law, is now called “NY State of Health.”   Website: www.NYStateofHealth.ny.gov

What is the NY State of Health?  It is an insurance marketplace for New Yorkers to purchase affordable and comprehensive insurance coverage for themselves, their family, or for their small business employees.

The health-care reform law known as Patient Protection and Affordable Care Act of 2010 requires individuals to have health insurance coverage effective January 1st, 2014, or pay a penalty.

The Exchange Open Enrollment period becomes available to purchase insurance starting October 1st, 2013.

Exchange plans can be purchased online, by phone (call center), or through an agent/broker.  Once online a person can shop, compare, and enroll in a health plan.

Licensed, local, certified agents and brokers can be found on:  www.dfs.ny.gov starting October 1st.

Federally subsidized premium tax credits will be available for New Yorkers who purchase coverage for themselves, based on income level, to help further reduce their costs.  Individuals can determine if they qualify for the tax credits through the application process.

Employers with up to 50 employees can also obtain health coverage for their employees through the Small Business Health Options Program (S.H.O.P).  Employers have an October 1st deadline to provide all employees with a written notice about the upcoming health insurance marketplace.  Call me for details.

 

As of October 1st, 2013, I will be certified to educate, consult, and enroll individuals and small businesses into the “NY State of Health” insurance plans. Please call me to schedule an appointment to discuss your options, enrollment, and premium tax credits.

I can be reached at 315-676-4933 or email: tcangemi@twcny.rr.com.

 

 

 

 

 

Help with Medical and Drug Costs – Programs for Low Income

You may be eligible to save money on medical and drug costs!  You may qualify for any of the following programs:

  • Medicaid
  • Medicare Savings Programs
  • Extra Help/Low-Income Subsidy
  • State Pharmaceutical Assistance Program
  • Pharmaceutical Assistance Program

Call me to find out what these programs are and how you would qualify.  All are income based, meaning that your income has to be under a certain amount to qualify for a program(s).  When I work with my clients, I automatically review each of these programs and educate what they are and how a person may qualify for eligibility.  These program(s) can help pay for your Part B premium or help pay for your prescription drug costs.

Avoiding The Dangers of Reverse Mortgages

Should you or your elderly parents consider a reverse mortgage? If you’ve asked “How do reverse mortgages work?” and want to both the advantages and disadvantages of reverse mortgages, listen to today’s expert Mike Gruley with First Financial Reverse Mortgages. Discover the reverse mortgage pitfalls to avoid and whether this type of financing is right for you.

Taken from BlogTalkRadio.com
http://www.blogtalkradio.com/mreldercare/2009/06/05/ask-mr-eldercare