Medi-Cal completely revamped its process as of January 1st, 2024! This means all the laws, regulations, codes, and everything else have changed.  Do you know how these changes affect your chances of getting accepted into Medi-Cal?  In today's episode, Michael McCabe joins us to explain every change Medi-Cal has created for this year, the bureaucracy behind its new applications and regulations, and how he can help you get approved for Medi-Cal. Michael has over 20 years of experience and a 100% success ratio in getting people accepted into Medi-Cal.  Listen to episode 47 of On ..read more

How do you know you picked the long-term care that better adjusts to your reality? In this episode, we discuss long-term care, insurance, alternative solutions, different ways to cover possible long-term care events, and how to educate the next generations on long-term care and their needs. From 100% self-insurance to accelerated benefit riders, standalone long-term care policies, and having children help pay, we explore every option under the sun, analyze their pros and cons, and help you figure out which one is the one that best suits your reality. Additionally, we explore one of our newest ..read more

Are you having trouble navigating the complexities of Medicare enrollment for your healthcare needs in 2024? In today's episode, I discuss the intricacies of Medicare enrollment and why using a broker for your Medicare needs is crucial. You'll hear why individuals and business owners benefit from partnering with brokers, how they can assist you in evaluating costs and understanding IRMAA implications, and why seeking professional guidance in the post-open enrollment period is crucial. I also share my top ten tips to help you avoid mistakes on essential elements of Medicare enrollment, like pa ..read more

Does getting life insurance feels like a chore you've been dreading for longer than you can remember?  In this episode, I'm talking about the countless benefits of using Ethos to get insurance, the three signs that you need life insurance today, and the differences between term and permanent life insurance. I also answer some of the most common questions about life insurance, clear doubts about how affordable life insurance really is, and more.   Listen to episode 44 of On Life With Helen to learn more about this fantastic online tool, the myths about term and perm life insura ..read more

Although C-suite executives and key personnel are essential for any organization, they aren't the only ones you should take care of. Incentivizing young people with bonuses to get a down payment on a house or decide if they can afford to have kids might save your company tons of money.  In this episode, I'm joined by our monthly guest, Trevor Patching, to discuss the importance of covering and incentivizing those in foundational positions in their company. Trevor debunks some myths about companies' pressure points and the need for elaborating solutions that care for everyone, not only th ..read more

Sometimes, getting past the optimism bias we all have, is just the right way to approach our insurance choices.  In today's episode, I'm joined by Dennis Carlson, Host of the #1-rated podcast for employee benefits brokers and advisors, Benefits Influencer, a specialist in long and short-term disability insurance, income protection for executives, and highly compensated employees. He shares the three main reasons why we should pay more attention to income protection, the best ways to overcome the optimism bias, group insurance, and more.  Listen to episode 42 of On Life With Helen t ..read more

What are the main differences between traditional lines of credit and an FHA reverse mortgage? In this episode, we delve into the second part of our conversation about what is true and what is a myth about the reverse mortgages line of credit. Mitchell explains why he considers a reverse mortgage a great tool, especially for those in their 60s and above who struggle to access traditional lines of credit.  Listen to episode 41 of On Life With Helen to learn more about the advantageous side of reverse mortgages no one talks about.  In This Episode, You Will Learn: The main differen ..read more

There are a lot of myths about reverse mortgages. Some think they can lead a person and their heirs to lose everything, have tax issues, or lose their social security benefits; none are true. Still, horror takes over clients' faces whenever we suggest a client consider reverse mortgages.  In this episode, I'm really excited to welcome Mitchell Cooper back to the show. Mitchell is a Certified Reverse Mortgage Professional at Mutual of Omaha Mortgage, passionate about educating and guiding clients on the strategic and responsible use of home equity and retirement income planning. In this f ..read more

If you think about where you would like to spend the final years of your life, you most certainly won't pick an eight-by-ten room in a building living with a bunch of strangers and having to report for breakfast, lunch, and dinner. Yet somehow, society pushes us to believe it is an ideal place for older adults.  In this episode, I'm talking with Renée Balcom, Professional Healthcare Advocate, Founder and CEO of Renée & CO, Keynote Speaker, and Author. Today, Renée helps us understand how we can offer the best environment to our loved ones in their final years.  Listen to episod ..read more

How many things did you do despite being scared this year?  In this episode, I'm talking about the fears conquered, the accomplishments, the chances of being brave I didn't waste in 2022, and my expectations and vision for 2023. As we get closer to the final sprint of the year, a year I used to clean my plate, mentally and physically, I take time to look back and give myself some grace for every box on my to-do list I checked. Today's show is also an invitation for you to do the same.  Listen to episode 38 of On Life With Helen and learn about what you can expect from this podcast ..read more