Optimize Your Social Security Benefits

There are over 2,700 rules* governing how your benefits are determined and thousands of claiming strategies. Unfortunately, the majority of people can make a suboptimal claiming decision. Don’t miss out on learning about benefits.

Whether you are single, married, widowed, divorced, self-employed, or have other unique considerations, I can help you. I can help analyze possible claiming options and create your personal Social Security benefits plan which can include:

Claiming options comparison
Impact of future earnings
Maximizing spousal and survivor benefits
Avoiding benefit reductions
Impact of pensions (WEP/GPO)
Longevity scenarios
Benefits for children and family maximums
Cost of living adjustments

How Can E& J Insurance Consultants Help?

By choosing E&J, you gain access to multiple carriers and personalized options, ensuring you receive unbiased advice and the best coverage for your unique needs.

Understanding Social Security

Approaching retirement? E&J can help you navigate over 2,700 rules and thousands of claiming strategies to maximize your benefits and avoid losing potential income.

Understanding Medicare

E & J Insurance simplifies Medicare by helping you understand Parts A, B, and Medicare Advantage plans, ensuring you select the right coverage for your healthcare needs.

How Can E& J Insurance Consultants Help?

UNDERSTANDING MEDICARE

We are a vital resource for affordable senior healthcare. Retirement is not the time to take risks with your health, or your health insurance. We will guide your through Medicare and its benefits, so you can make a full, and informed, decision - one which best suits your lifestyle.

MEDICARE SUPPLEMENTAL PLANS

While Medicare provides essential health benefits, it doesn’t cover everything. Co-Payment, coinsurance, and deductibles can make a doctor's visit an unpleasant surprise. How do you cover yourself? You need a Supplemental Plan (also called Medigap).

MEDICARE ADVANTAGE PLANS

Medicare Advantage Plans are an alternative option to the traditional Medicare Parts A & B. These plans offer the added benefit of extras such as vision, dental, hearing, and even prescription drug coverage. Ask us if Medicare Advantage is right for you.

PRESCRIPTION DRUG PLANS

Known as Medicare Part D (or the Prescription Drug Plan - PDP), this plan provides coverage for prescription medicines, bringing drug costs down. Whether it's a long-term regime, or just for short-term relief, Part D can help ease the financial burden.

HEALTH INSURANCE COVERAGE

If you're under 65 or don't fall within a small range of described conditions, you'll need to obtain your own Health Insurance. However, the range of Health Insurance products available to under 65s is greater than Medicare and can be even more daunting to choose from.

LIFE INSURANCE COVERAGE

We understand that medical insurance, like Medicare, is important as we see the benefit having it, or the damage when we don't, life insurance isn't on the radar as much, especially for younger people. But the younger you get life insurance the better.

SOCIAL SECURITY BENEFITS

"I just ask for it, right?" Statistics show that most people who make their claim decision make a suboptimal choice. Their are over 2700 rules governing how your benefits are determined, and their are thousands of claiming strategies. We are here to help you make the right choices.

SUPPLEMENTAL HEALTH INSURANCE

Supplemental Health insurance works for under 65s like Medigap does for Medicare for retirees. All health insurance comes with out-of-pocket costs which all insurance plans do not cover. These policies offer financial support for specific needs, and reduce financial burdens.

HEALTH INSURANCE COVERAGE

LIFE INSURANCE COVERAGE

SOCIAL SECURITY BENEFITS

SUPPLEMENTAL HEALTH INSURANCE

We cover all Arizona for Medicare Insurance

We cover all of Arizona for:

Medicare Read more -->

Medicare Supplement Plans Read more -->

Medicare Advantage Read more -->

Prescription Drug Plans Read more -->

Health Insurance Read more -->

Life Insurance Read more -->

Social Security Read more -->

Supplemental Health Insurance Read more -->

Call us

Home | About | Contact | Sitemap | Privacy Policy

Phoenix Website Design by CitrusKiwi

Call us

E & J Insurance is not connected with or endorsed by any of the carriers listed on this website or the Centers for Medicare & Medicaid Services (CMS). All of our agents are AHIP certified and licensed by individual State department of insurance or other required regulatory agencies. Filling out any forms on this site is optional. By submitting information via a contact form, you acknowledge a licensed insurance agent may contact you by phone or email to discuss Medicare Advantage Plans, Medicare Supplement Insurance or Prescription Drug Plans. For all meeting requests, if you require special accommodations, please notify us prior to the meeting. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1–800–MEDICARE, 24 hours a day, 7 days a week or your local State Health Insurance Program to get information on all of your options.