Captivated Health
Are you tired of watching your company's health insurance costs skyrocket year after year?If you're a CFO, business owner, or HR leader, you know the frustration: yet another "less bad" renewal, double-digit rate hike, and that gut-wrenching sense that your choices are limited because you have no data to actually fix the root cause and solve the problem.The American health insurance system is like a casino-the house always wins. There's no way to improve your odds without understanding the design and rules of the game.Here's the good news: Mark S. Gaunya, GBA, has a health insurance hack for you. The Captivated Health(R) platform is designed to help you improve your health insurance odds by putting the control in your hands.The Captivated Health platform will guide you to: Take Control by moving from system-decision to self-decision Gain Transparency as you free yourself from the "less bad renewal" cycle Leverage Confidence in your increased literacy to strategically influence outcomesSave Cash by reinvesting your dividends to create greater value for everyoneWhether you're directly responsible for your company's health insurance plan or you know someone who is, this book is for you. It's time to understand the health insurance casino and learn how to play to win-for your bottom line and for the health and well-being of your people.Start your journey toward taking control of your health insurance future with the Captivated Health platform today!
Medicare and Social Security Retirement Guide
Don't Let Medicare and Social Security Mistakes Cost You Thousands in Retirement Every year, millions of Americans make preventable errors with Medicare and Social Security that cost them tens of thousands of dollars over their lifetime. Medicare late enrollment penalties become permanent fixtures in your monthly budget, while Social Security claiming mistakes can slash your lifetime benefits by hundreds of thousands of dollars. This comprehensive guide ensures you get it right the first time. Inspired by Attorney and Medicare expert Sylvia A. Gordon's three decades of professional wisdom, this essential retirement resource walks you through every critical decision you'll face-from your Initial Enrollment Period through complex coordination strategies. Whether you're turning 65, still working past retirement age, or planning your claiming strategy, this book provides the insider knowledge you need to maximize your benefits and avoid costly pitfalls. What You'll Discover: Medicare Mastery: Navigate the Medicare "alphabet soup" (Parts A, B, C, and D) with confidence Understand when you can safely delay enrollment without penalties Master the Medicare Supplement vs. Medicare Advantage decision Coordinate Medicare with employer coverage and other insurance Minimize or avoid IRMAA surcharges that increase your premiums Social Security Optimization: Calculate the optimal time to claim benefits for maximum lifetime income Understand spousal, survivor, and divorced spouse benefit strategies Navigate the earnings test if you're working in retirement Coordinate Social Security with other retirement income sources Advanced Strategies: Plan for long-term care while protecting your assets Understand how geographic moves affect your coverage Coordinate benefits during major life events like divorce or death Create tax-efficient withdrawal strategies that minimize Medicare costs Practical Tools: Step-by-step enrollment timelines and checklists Documentation and record-keeping best practices When and how to work with professionals Annual review strategies to keep your plan optimized Perfect For: ✓ New Medicare Beneficiaries turning 65 and overwhelmed by choices ✓ Working Seniors over 65 navigating employer coverage decisions✓ Couples needing to coordinate claiming strategies for maximum benefits ✓ Early Retirees planning Social Security strategies before full retirement age ✓ High Earners facing IRMAA surcharges and complex tax planning needs The Cost of Getting It Wrong: Medicare Part B penalties: 10% increase for each year delayed (permanent for life) Social Security early claiming: Up to 30% reduction in monthly benefits (permanent) Coordination mistakes: Thousands in unnecessary out-of-pocket costs Documentation errors: Benefit delays, denials, and costly appeals The cost of this book is a fraction of what a single mistake could cost you. With clear explanations, real-world examples, and actionable strategies, this guide transforms complex government programs into understandable decisions. You'll finish reading with a personalized action plan and the confidence to make choices that protect and maximize your retirement security. Stop leaving money on the table. Your future self will thank you for getting these critical decisions right.
Leading After the Storm
Leading After the Storm: How to Communicate, Calm, and Coordinate in the Wake of DisasterWhen disaster strikes, the world looks for leaders-not always the ones with titles, but the ones who stay.Leading After the Storm is a global leadership guide for those called to steady others when systems break down. Whether you are a school principal in South India, an NGO field coordinator in Kenya, a community elder in Haiti, or a shelter manager in California, this book is written for those who rise without invitation, hold space when others fall apart, and guide with presence-not perfection.In today's world of escalating disasters, humanitarian crises, and institutional collapse, emotionally intelligent leadership has become essential. Those on the ground-educators, aid workers, community leaders, faith leaders, and local officials-often carry the responsibility long after the media leaves and the immediate crisis fades. This book is for them.Blending real-world case studies, trauma-informed insights, leadership anchors, and culturally adaptable tools, Leading After the Storm offers a practical and compassionate framework for navigating the human side of disaster response. Rather than rigid protocols or abstract theories, readers will find actionable guidance to help them: Communicate with steadiness in moments of chaosLead across cultural, generational, and institutional differencesSustain personal energy, emotional resilience, and leadership staminaRebuild trust, belonging, and morale in the aftermath of crisisCarry the work forward without carrying the full weight aloneBecause leadership after disaster is not about control. It is about care. And the future depends on how we lead-together-when everything else has fallen apart. And the future depends on how we lead-together-when everything else has fallen apart.
The First Fifty Years of the Equitable Life Assurance Society of the United States, 1859-1909
The First Fifty Years of the Equitable Life Assurance Society of the United States, 1859-1909
A Sketch Of The Pennsylvania Company For Insurances On Lives And Granting Annuities, Founded Mdcccix
A Sketch Of The Pennsylvania Company For Insurances On Lives And Granting Annuities, Founded Mdcccix
Easy Lessons in Life Insurance for Life Insurance Agents, Laymen and Company Officials
A Plea For Scientific Life Insurance Premiums
In "A Plea For Scientific Life Insurance Premiums," Walter Channing Wright presents a compelling argument for reform in the calculation of life insurance premiums. Specifically addressing the issue of loading premiums for expense, Wright advocates for a more scientific and equitable approach. This treatise delves into the complexities of actuarial science, urging a reevaluation of existing methods to ensure fairness and accuracy in premium determination.Wright's work is a valuable resource for insurance professionals, actuaries, and anyone interested in the financial aspects of life insurance. It sheds light on the intricate processes involved in setting premiums and the potential for improvement through the application of scientific principles. This book serves as a historical snapshot of early 20th-century debates surrounding insurance practices, offering insights that remain relevant to contemporary discussions about financial transparency and consumer protection.This work has been selected by scholars as being culturally important, and is part of the knowledge base of civilization as we know it. This work was reproduced from the original artifact, and remains as true to the original work as possible. Therefore, you will see the original copyright references, library stamps (as most of these works have been housed in our most important libraries around the world), and other notations in the work.This work is in the public domain in the United States of America, and possibly other nations. Within the United States, you may freely copy and distribute this work, as no entity (individual or corporate) has a copyright on the body of the work.As a reproduction of a historical artifact, this work may contain missing or blurred pages, poor pictures, errant marks, etc. Scholars believe, and we concur, that this work is important enough to be preserved, reproduced, and made generally available to the public. We appreciate your support of the preservation process, and thank you for being an important part of keeping this knowledge alive and relevant.
A Plea For Scientific Life Insurance Premiums
In "A Plea For Scientific Life Insurance Premiums," Walter Channing Wright presents a compelling argument for reform in the calculation of life insurance premiums. Specifically addressing the issue of loading premiums for expense, Wright advocates for a more scientific and equitable approach. This treatise delves into the complexities of actuarial science, urging a reevaluation of existing methods to ensure fairness and accuracy in premium determination.Wright's work is a valuable resource for insurance professionals, actuaries, and anyone interested in the financial aspects of life insurance. It sheds light on the intricate processes involved in setting premiums and the potential for improvement through the application of scientific principles. This book serves as a historical snapshot of early 20th-century debates surrounding insurance practices, offering insights that remain relevant to contemporary discussions about financial transparency and consumer protection.This work has been selected by scholars as being culturally important, and is part of the knowledge base of civilization as we know it. This work was reproduced from the original artifact, and remains as true to the original work as possible. Therefore, you will see the original copyright references, library stamps (as most of these works have been housed in our most important libraries around the world), and other notations in the work.This work is in the public domain in the United States of America, and possibly other nations. Within the United States, you may freely copy and distribute this work, as no entity (individual or corporate) has a copyright on the body of the work.As a reproduction of a historical artifact, this work may contain missing or blurred pages, poor pictures, errant marks, etc. Scholars believe, and we concur, that this work is important enough to be preserved, reproduced, and made generally available to the public. We appreciate your support of the preservation process, and thank you for being an important part of keeping this knowledge alive and relevant.
