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Military Service Credit and Federal Retirement: What Employees Should Know | Michael Usbelger

Military Service Credit and Federal Retirement: What Employees Should Know | Michael Usbelger

Federal employees who previously served in the military may have questions about whether that service can count toward their civilian federal retirement benefits.

Does Medicare Cover You When You Travel? | Michael Usbelger

Does Medicare Cover You When You Travel? | Michael Usbelger

Travel is an important part of retirement for many people, but healthcare coverage can work differently when you are away from home. Medicare coverage while traveling depends on where you are going, the type of Medicare coverage you have, and the services you need.

Life Insurance Quotes vs. Approved Policies: Michael Usbelger Explains the Difference

Life Insurance Quotes vs. Approved Policies: Michael Usbelger Explains the Difference

When exploring life insurance options, many people begin by requesting a quote to get an idea of potential coverage costs. However, a life insurance quote is not the same as an approved insurance policy, and the distinction is important to understand.

What Happens If You Miss a Life Insurance Premium Payment? | Michael Usbelger

What Happens If You Miss a Life Insurance Premium Payment? | Michael Usbelger

Life insurance is intended to provide financial protection for beneficiaries, but maintaining coverage generally requires meeting the terms of the policy, including applicable premium payments. 

Is Your Life Insurance Coverage Still Appropriate After Paying Off Your Mortgage? | Michael Usbelger

Is Your Life Insurance Coverage Still Appropriate After Paying Off Your Mortgage? | Michael Usbelger

Paying off a mortgage is a major financial milestone and can significantly change a household's monthly expenses and outstanding obligations.

What Federal Employees Should Know About Survivor Benefit Decisions | Michael Usbelger, Federal Retirement Consultant℠

What Federal Employees Should Know About Survivor Benefit Decisions | Michael Usbelger, Federal Retirement Consultant℠

Retirement planning for federal employees involves more than determining when to leave federal service or estimating retirement income.

Medicare Supplement Open Enrollment: What Should You Know? | Michael Usbelger

Medicare Supplement Open Enrollment: What Should You Know? | Michael Usbelger

The phrase Medicare Open Enrollment can be confusing because Medicare has several different enrollment periods, and they do not all serve the same purpose.

What Should You Know Before Replacing a Life Insurance Policy? | Michael Usbelger

What Should You Know Before Replacing a Life Insurance Policy? | Michael Usbelger

There may be circumstances when a policyholder considers replacing an existing life insurance policy with a different one, but this is a decision that deserves careful consideration.

What Is the Difference Between Term Length and Coverage Amount in Life Insurance?

What Is the Difference Between Term Length and Coverage Amount in Life Insurance?

When shopping for life insurance, two terms you will frequently encounter are term length and coverage amount.

When Should You Start Learning About Medicare? | Michael Usbelger

When Should You Start Learning About Medicare? | Michael Usbelger

Medicare is an important consideration for many people approaching age 65, but waiting until the last minute to learn how the program works can make the process feel more complicated than necessary.

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