This Privacy Statement explains Family Insurance Associates’ practices regarding non-public, personal information that is collected by us on this website.
Family Insurance Associates may obtain information concerning non-public, personal information, such as name, address, date of birth, assets, driver license number, and general underwriting information concerning risk exposures, policy coverage(s) and premium(s) in order to provide professional services to you.
Family Insurance Associates may disclose all or part of personal information as permitted by law to non-affiliated third parties solely for purposes of servicing or processing an insurance product or risk management service that is requested or authorized, such as developing risk assessments and solicitation of quotations from insurance carriers. Family Insurance Associates has policies and procedures in place to limit access to your information to only those who have a business need to view it. You may have an individual right of access to the non-public, personal information that we possess or acquire.
We maintain administrative, technical and physical safeguards to protect the privacy of non-public, personally identifiable information (PII). We will never sell, rent or share your personal information except to provide professional services to you as described above.
We may use Google Analytics, a web analytics service provided by Google, Inc. (“Google”). Google Analytics uses “cookies”, which are text files placed on your computer, to help the website analyze how users use the site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser, however, please note that if you do this you may not be able to use the full functionality of this website. By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.
Our website contains links to other sites, and other sites may link to the Family Insurance Associates site. Web sites linking to and from this site may have different privacy practices from the ones described here. The privacy policies of Family Insurance Associates apply only to our website. Please read the privacy statements of other web sites you visit for information regarding specific privacy practices.
We reserve the right to amend, modify or supplement this Privacy Statement at any time in accordance with applicable laws and regulations. If changes are made to the Privacy Statement, we will provide copies of such changes as requested or required by applicable laws. For information about your individual right of access or this Statement, please send a written request to: info@familyinsuranceassociates.com
Month: August 2019
Qualifying for Medicare in Ruidoso, NM
You may wonder if you’re eligible for Medicare, especially when an insurance policy is so expensive. According to the American Association of Retired Persons (AARP), it’s expected that 79 million people will have Medicare by 2030. This rise may be attributed to the high number of individuals who are turning the age to collect these benefit. Family Insurance Associates, serving Ruidoso, NM and the surrounding area, helps individuals understand when they’re eligible as well as other specifics regarding Medicare.
Age Plays a Role
Generally, you can’t receive Medicare unless you’re 65 or older. At this age, you’re eligible for part A, which is hospital insurance. Additionally, you qualify for part B, which is your standard medical insurance. Moreover, if you’re eligible for these two plans, you also can receive a prescription plan, more commonly known as a Part D plan. A spouse who isn’t working may collect at age 62.
How Long You Worked
You have to work at least 10 years to qualify for Medicare benefits. You have to earn at least 40 credits. You earn each credit by working for a quarter. You can still qualify for Medicare if you don’t have enough credits; however, it’ll affect how much you have to pay for your premium.
Certain Disabilities
If you have certain disabilities, you may qualify for Medicare, even if you’re not 65 or don’t have a spouse who’s 65 or over. You must qualify for Social Security Disability to also qualify for Medicare. Before you can apply for Medicare, you have to collect either certain Railroad Retirement Board benefits or Social Security Disability benefits for at least two years.
Certain Diseases
You may qualify for Medicare based on your medical conditions, such as end-stage renal disease or amyotrophic lateral sclerosis (ALS). You may even utilize your Medicare benefits at the same time as your disability benefits.
Discuss Medicare benefits with an insurance professional from Family Insurance Associates, serving Ruidoso, NM and the surrounding region, by contacting us at 575-257-6146.
