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The Complete Cardinal Guide

TO PLANNING FOR AND LIVING IN

RETIREMENT

WE HELP YOU EMBRACE THE 7 WORRIES IN RETIREMENT

“Finishing Well”

with Hans Scheil

Retirement planning involves a lot more than just managing your money. This show is the complete guide to planning for and living in retirement, helping families finish well. Host Hans Scheil will discuss a new topic every week ranging from Social Security and Medicare to IRAs and taxes. Follow along each week by downloading the corresponding chapters below for free! New episodes air Saturday mornings on the Truth Network. All episodes are posted on ITunes, Spotify, TuneIn, Sticher, and on this page. If you have any questions you would like Hans to answer on air or any comments please fill out the form below!

Download the chapters for free!

What is the Long-Term Care Partnership Program?

Getting long-term care insurance can be time consuming, stressful, and expensive; it is important to get the most out of the policy you end up choosing. If you go with a Traditional Long-Term Care insurance policy, one perk you have access to...

Can I get Long-Term Care Insurance with Pre-Existing Conditions?

Absolutely yes, you can get coverage for long-term care if you have pre-existing conditions. It is a misconception that you can't get coverage if you are not 100% healthy. While not having any conditions might get you a better rate, it is not impossible to...

Does Medicaid pay for Long-Term Care?

The short answer to this questions is yes, Medicaid will pay for long-term care services. Medicaid covered at least 6 in 10 people in nursing homes in 2014. While they will pay for it, it is not the best option for everyone, and everyone will not qualify,...

Does Medicare Pay for Long-Term Care?

“Medicare does not pay for long-term care, so you may want to consider options for private insurance.”  This is stated on every person's Social Security Earnings Report (as seen in the photo), yet many people still have not planned how they...

How Do I Pay for Long-Term Care?

Seventy percent of Americans that are 65 or older are expected to need long-term care services at some point in their life, according to the U.S. Department of Health and Human Services. Unfortunately, when people need care, they are not...

What is Long-Term Care?

Long-term care has evolved a lot over the course of the last few decades in the United States, but it is still a mystery to many. On a basic level, long-term care is a variety of services that help  people live as safely and independently as...

What happens when one spouse goes on Medicare and the other isn’t eligible?

While it would be convenient for spouses to have the exact same birthday, this is not usually the case. For many couples, their age gap becomes a problem when it comes time to sign up for Medicare. When one spouse goes on Medicare and the other spouse is...

Medicare vs Medicaid

Medicare and Medicaid are regularly used interchangeably, but they are very different programs. While both were established by the U.S. government in 1965 to cover healthcare costs and are taxpayer funded, that’s about where the similarities end. Do you know the difference between Medicare and Medicaid?

What is Medicare Part B?

Many refer to Medicare as “alphabet soup”, and Part B is one letter of this. Medicare Part B is one part of Original Medicare, which is made up of Part A and B. While Part A is hospital insurance, Part B is medical insurance, covering doctor and outpatient...

What is Medicare Part A?

Medicare is made up of four parts: Part A, Part B, Part C, and Part D. Many people getting ready to start Medicare, even people already on Medicare, don’t know exactly what all these parts cover. Part A and Part B are referred to as Original Medicare....

What is Medicare?

Every day, an average of 10,000 people turn 65.  After years of paying taxes, these people finally get the opportunity to sign up for Medicare.  Medicare is a federal health insurance program, funded by the Social Security Administration, for Americans 65...

Can I Get Life Insurance on my Parents?

When a parent dies, the last thing a child wants to think about is how they are going to pay the bills. For many, this is a sad reality. There are many things that adult children might have to pay for after a parent passes, including: Income for the...

Does Suicide Void Life Insurance?

According to the American Council of Life Insurers, 99% of all life insurance claims are paid to beneficiaries. This leaves 1% that are not paid - are suicide cases apart of this? This raises the question, does a suicide void one's life insurance policy?...

What does Contingent mean in Life Insurance?

When the whole point of life insurance is to give money  to your loved ones when they need it the most, you want to make absolutely sure the right people are getting the right amount. In order to do this, you must understand what primary and contingent...

Medicare Scams: How to Avoid Them

There are all different types of scams out there targeting various groups of people. One scam that specifically singles out seniors deals with Medicare. For scammers, Medicare is an easy topic because mostly everyone over 65 has it, meaning...

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