Medicare.gov: the official U.S. government site for Medicare

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Source: medicare.gov

How to compare Medigap policies

Posted by:  :  Category: Medicare

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Source: medicare.gov

Best Medicare Supplemental Insurance

Medicare supplemental insurance plans are not only ideal in the sense that they help individuals to cover loose ends that may not be covered under Medicare, but these plans also maintain the rights and protections set forth under and individuals Medicare insurance plan. Additionally, one can maintain the relationship that they have with their current doctors, even if using a Medicare supplemental insurance plan, ensuring that you are comfortable with the medical attention that you are seeking. Supplemental plans work solely to aid individuals in increasing the benefits that they have under their medical insurance, as detailed on various pages through this website. It is important that you become knowledgeable in the current cost and benefits associated with your Medicare insurance plan, as well as the additional benefits that you may eligible for under the best Medicare supplemental insurance plan.
Source: medicaresupplementalinsurance.co

How to Get the Most out of Medicare

Your first big decision after enrolling in Medicare will be whether to stick with original Medicare plus a Medigap supplemental plan—or get your Medicare benefits through a private Medicare Advantage plan. We lay out the advantages and disadvantages of both options so you can choose the right one for you.
Source: consumerreports.org

Medicare Supplemental Insurance

There are many more advantages to obtain when you enroll in the Medicare Supplemental Insurance plan presented by our brokerage. For further details, we invite you to visit our Medicare RX Supplemental Insurance Quote page where you will find the information on the choices available. We wish you success in making the most advantageous decision for yourself in choosing the correct Medicare Supplemental Insurance plan.
Source: bestmedicaresupplement.com

Medicare Supplemental Insurance — Which policy is best?

Our recommendation: After picking the benefit combination (Plan A through L) that best suits your needs, buy the issue-age or community-rated Medigap policy with the lowest premium. Even though they are a bit more expensive at the start, your premiums won’t go up every year just because you get older. (AARP’s Medigap plans use a combination of issue-age and community-rated methods; their premiums don’t increase as you get older, but their younger retirees do receive a discount.)
Source: todaysseniors.com

How to compare Medigap policies

Posted by:  :  Category: Medicare

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Source: medicare.gov

Medicare: What Are Medigap Plans?

However, you may have to wait up to six months for coverage if you have a pre-existing health condition. The insurer through which you buy your Medigap policy can refuse to cover out-of-pocket costs for pre-existing conditions during that period. After six months, the Medigap policy must cover the pre-existing condition. The exception to this rule is if you buy a Medigap policy during your open enrollment period and have had continuous “creditable coverage,” or a health insurance policy for the six months before buying a policy. The Medigap insurance company cannot withhold coverage for a pre-existing condition in that case.
Source: webmd.com

Guide to Medigap policies

If you are confused about Medigaps, how to enroll, or what policy is best for you, contact your State Health Insurance Assistance Program (SHIP). You can find the number for your SHIP by visiting www.shiptacenter.org. For additional information on Medigap policies in your state, you can also contact your State Department of Insurance.
Source: medicareinteractive.org

Compare Medicare Supplement Plans A

Medicare Supplement insurance works differently in Massachusetts, Minnesota, and Wisconsin, which standardize their plans differently from the rest of the country. Insurance companies that sell Medicare Supplement insurance aren’t required to offer all plan types. However, any insurance company that sells Medigap insurance is required by law to offer Medigap Plan A. If an insurance company wants to offer other Medigap plans, it must sell either Plan C or Plan F in addition to any other plans it would like to sell.
Source: ehealthinsurance.com

Medigap (Medicare Supplement Health Insurance)

A Medigap policy is health insurance sold by private insurance companies to fill the “gaps” in Original Medicare Plan coverage. Medigap policies help pay some of the health care costs that the Original Medicare Plan doesn’t cover. If you are in the Original Medicare Plan and have a Medigap policy, then Medicare and your Medigap policy will each pay its share of covered health care costs. Generally, when you buy a Medigap policy you must have Medicare Part A and Part B. You will have to pay the monthly Medicare Part B premium ($96.40 in 2011 for most beneficiaries). In addition, you will have to pay a premium to the Medigap insurance company. As long as you pay your premium, your Medigap policy is guaranteed renewable. This means it is automatically renewed each year. Your coverage will continue year after year as long as you pay your premium. In some states, insurance companies may refuse to renew a Medigap policy bought before 1992. Insurance companies can only sell you a “standardized” Medigap policy. Medigap policies must follow Federal and state laws. These laws protect you. The front of a Medigap policy must clearly identify it as “Medicare Supplement Insurance.” It’s important to compare Medigap policies, because costs can vary. The standardized Medigap policies that insurance companies offer must provide the same benefits. Generally, the only difference between Medigap policies sold by different insurance companies is the cost. You and your spouse must buy separate Medigap policies.Your Medigap policy won’t cover any health care costs for your spouse. Some Medigap policies also cover other extra benefits that aren’t covered by Medicare. You are guaranteed the right to buy a Medigap policy under certain circumstances. For more information on Medigap policies, you may call 1-800-633-4227 and ask for a free copy of the publication “Choosing a Medigap Policy: A Guide to Health Insurance for People With Medicare.” You may also call your State Health Insurance Assistance Program (SHIP) and your State Insurance Department. Phone numbers for these Departments and Programs in each State can be found in that publication.
Source: cms.gov

Compare Medicare Supplement (Medigap) Plans and Rates in Your Area

"Times have changed since my mother had an AARP J plan and I was totally confused by the options available. Stan walked me through the process in a very educational, methodical, friendly way, and I feel secure now that we’re making the correct decision to provide the best possible coverage for my husband." – Pat K.
Source: medigap360.com

Medicare Eligibility, Age, Qualifications And Requirements

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You can also qualify for premium-free Part A benefits on your spouse’s work record if he or she is at least age 62 and you are at least age 65. You also may qualify on the work record of a divorced or deceased spouse. Following the Supreme Court’s 2015 ruling, people in same-sex marriages can qualify for Medicare on their spouse’s work record, regardless of where they live or where they were married.
Source: aarp.org

Medicare.gov: the official U.S. government site for Medicare

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Source: medicare.gov

What Are The Requirements To Qualify For Medicare?

Generally, you are eligible for Medicare if you or your spouse worked for at least 10 years in Medicare-covered employment and you are 65 years or older and a citizen or permanent resident of the United States. If you aren’t yet 65, you might also qualify for coverage if you have a disability or with End-Stage Renal disease (permanent kidney failure requiring dialysis or transplant). Here are some simple guidelines. You can get Part A at age 65 without having to pay premiums if: You already get retirement benefits from Social Security or the Railroad Retirement Board. You are eligible to get Social Security or Railroad benefits but haven’t yet filed for them. You or your spouse had Medicare-covered government employment. If you are under 65, you can get Part A without having to pay premiums if you have: Received Social Security or Railroad Retirement Board disability benefits for 24 months. End-Stage Renal Disease and meet certain requirements. While you do not have to pay a premium for Part A if you meet one of these conditions, you must pay for Part B if you want it. The Part B monthly premium in 2013 is $104.90 per month. It is deducted from your Social Security, Railroad Retirement, or Civil Service Retirement check. If you don’t get any of the above payments, Medicare sends you a bill for your Part B premium every 3 months. Note: You will be eligible for Medicare when you turn 65 even if you are not eligible for Social Security retirement benefits.
Source: insurancelibrary.com

Original Medicare (Part A and B) Eligibility and Enrollment

To be eligible for premium-free Part A, an individual must be entitled to receive Medicare based on their own earnings or those of a spouse, parent, or child. To receive premium-free Part A, the worker must have a specified number of quarters of coverage (QCs) and file an application for Social Security or Railroad Retirement Board (RRB) benefits. The exact number of QCs required is dependent on whether the person is filing for Part A on the basis of age, disability, or End Stage Renal Disease (ESRD). QCs are earned through payment of payroll taxes under the Federal Insurance Contributions Act (FICA) during the person’s working years. Most individuals pay the full FICA tax so the QCs they earn can be used to meet the requirements for both monthly Social Security benefits and premium-free Part A.
Source: cms.gov

Medicare Eligibility & Enrollment Guide

Have you ever made contributions to an IRA account, then wondered if you can deduct that investment from your taxes? The simple answer yes, you can, but only in some cases.It all depends on what kind of IRA you contribute to, and in some cases your income level, and if you are covered by an employer-run retirement account or not.
Source: govthub.com

Health Insurance, Medical Insurance, Free Online Insurance Quotes, Affordable Individual, Group, Family Plans

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HealthInsurance.com offers a wide variety of health plans including individual and family health insurance, group health insurance, HMOs, PPOs, POS, Indemnity plans, short-term health insurance plans, dental health insurance, and international travel health insurance. Popular health insurance companies such as Blue Cross and Blue Shield, Anthem, Aetna, Humana, Golden Rule Insurance Company, HealthNet, Assurant, Celtic, Unicare, Kaiser and PacifiCare Life and Health Insurance Company offer the plans we feature.
Source: healthinsurance.com

Health Insurance Plans for Individuals & Families, Employers, Medicare

UnitedHealthcare offers health insurance plans to meet the needs of individuals and employers. Plus we offer dental, vision and many other insurance plans to help keep you and your family healthy. 
Source: uhc.com

Compare Health Insurance: Buy Health Insurance

eHealth provides health plan finders and comparison tools that are easy to use and understand. We may also recommend to you the plans that are best suited to your needs and budget, whether it’s during the annual open enrollment period or if you have a qualifying life event. In certain states, we can even help you apply for the Affordable Care Act tax credit offered by the government.
Source: progressive.com

Your Medicare coverage choices

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There are 2 main ways to get your Medicare coverage— Original Medicare (Part A and Part B) or a Medicare Advantage Plan (Part C). Some people get additional coverage, like Medicare prescription drug coverage or Medicare Supplement Insurance (Medigap). Use these steps to help you decide what coverage you want:
Source: medicare.gov

Health Insurance Plans for Individuals & Families, Employers, Medicare

UnitedHealthcare offers health insurance plans to meet the needs of individuals and employers. Plus we offer dental, vision and many other insurance plans to help keep you and your family healthy. 
Source: uhc.com

List of Medicare Supplement Insurance Companies

This section provides a summary listing of all medicare supplement insurance policy plans (A, B, C, D, F, High Deductible F, G, K, L, M, N) that are available by the respective company. The report lists the companies that offer medicare supplement insurance policy plans for individuals under 65 years of age and over 65, along with the company’s reported comments (restrictions) and consumer contact information (i.e. consumer service phone number, customer service email, and web address). 
Source: ca.gov

Medicare Advantage and Dual Advantage

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The U.S. Department of Health and Human Services (HHS) Office of Inspector General (OIG) recently confirmed that the HHS OIG Hotline telephone number is being used as part of a telephone spoofing scam targeting individuals throughout the country. These scammers represent themselves as HHS OIG Hotline employees and can alter the appearance of the caller ID to make it seem as if the call is coming from the HHS OIG Hotline 1-800-HHS-TIPS (1-800-447-8477). The perpetrator may use various tactics to obtain or verify the victim’s personal information, which can then be used to steal money from an individual’s bank account or for other fraudulent activity. HHS OIG takes this matter seriously. We are actively investigating this matter and intend to have the perpetrators prosecuted. 
Source: fideliscare.org

Fidelis Care Online Medicare Application

If you are applying to a Fidelis Dual Advantage program, an additional form will need to be signed by you and sent to your county. After you have completed the Medicare Advantage application, we will contact you to have the additional form signed. Fidelis Care will be unable to submit your application to Medicare until you return the signed Medicaid Advantage form to Fidelis Care.
Source: fideliscare.org

Things to know about Medicare Advantage Plans

Medicare Advantage Plans have a yearly limit on your out-of-pocket costs for medical services. Once you reach this limit, you’ll pay nothing for covered services. This limit may be different between Medicare Advantage Plans and can change each year. You should consider this when choosing a plan.
Source: medicare.gov

Fidelis Medicare Advantage Flex (HMO) for Herkimer County, NY

The MedicareWire.com website is available for educational purposes. Our goal is to present information accurately and without bias, based on our interpretation of factual information. However, this site is not intended as a substitute for legal, health, or financial advice from a licensed professional. On this page we help consumers research and compare:Fidelis Medicare Advantage Flex for Herkimer County, NY, 2017 HMO Medicare Advantage Plan, ratings, benefits, premiums, co-pays, deductibles…
Source: medicarewire.com

Fidelis Medicare Advantage Flex

Fidelis Medicare Advantage Flex is available in Cold Spring Harbor, East Islip, Islip Terrace, Riverhead, Rocky Point, East Setauket, Wyandanch, Ocean Beach, Ronkonkoma, Mastic, Babylon, Northport, East Northport, Bridgehampton, Sag Harbor, Orient, Peconic, Mastic Beach, North Babylon, Shoreham, Hampton Bays, Shelter Island Heights, Jamesport, Lindenhurst, Wading River, Shirley, Centereach, New Suffolk, Port Jefferson Station, East Hampton, Centerport, Amagansett, Upton, Holbrook, Deer Park, Kings Park, Greenlawn, Montauk, Shelter Island, Coram, Stony Brook, Southold, East Moriches, Holtsville, Huntington Station, Westhampton Beach, Brentwood, West Islip, Oakdale, Miller Place, Islip, Quogue, East Quogue, Laurel, Westhampton, Mount Sinai, Port Jefferson, Commack, Hauppauge, Medford, Islandia, Calverton, Copiague, Sagaponack, Bellport, Patchogue, West Babylon, Bohemia, Ridge, Center Moriches, Nesconset, Melville, East Marion, Water Mill, Central Islip, Fishers Island, Smithtown, Moriches, Aquebogue, West Sayville, Manorville, Sound Beach, Southampton, Selden, Lake Grove, Bayport, Remsenburg, South Jamesport, Yaphank, Middle Island, Great River, Blue Point, Cutchogue, Amityville, Speonk, Greenport, Brookhaven, Wainscott, Mattituck, Farmingville, Eastport, Bay Shore, Saint James, Sayville, Huntington, Brightwaters, and all other areas of Suffolk County.
Source: allmedicare.com

Fidelis Medicare Advantage Flex

This plan has a monthly premium, but it isn’t the full cost. The plan’s premium is in addition to your Medicare Part B premium. If your income is over $85,000 ($170,000 for married couples), or you have a penalty due to late enrollment, you’ll pay the standard Part B premium.
Source: allmedicare.com

Children’s Health Insurance Program (CHIP) Eligibility Requirements

Posted by:  :  Category: Medicare

Fill out an application through the Health Insurance Marketplace. If it looks like anyone in your household qualifies for Medicaid or CHIP, we’ll send your information to your state agency. They’ll contact you about enrollment. When you submit your Marketplace application, you’ll also find out if you qualify for an individual insurance plan with savings based on your income instead. Create an account or log in to an existing account to get started.
Source: healthcare.gov

Children’s Health Insurance Program (CHIP)

The Children’s Health Insurance Program (CHIP) provides health coverage to eligible children, through both Medicaid and separate CHIP programs. CHIP is administered by states, according to federal requirements. The program is funded jointly by states and the federal government.
Source: medicaid.gov

Contact Information and Websites of Organizations for Medicare

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Source: medicare.gov

Health Insurance Programs

Report of the Commissioner of Health and Insurance Superintendent to Governor David A. Paterson on the Partnership for Coverage Initiative on the Release of the Urban Institute Report, July 17, 2009 (PDF, 90KB)
Source: ny.gov

How to Qualify For Medicaid and CHIP Health Care Coverage

If your state has not expanded Medicaid: You may qualify based on your state’s existing rules. These vary from state to state and may take into account income, household size, family status (like pregnancy or caring for young children), disability, age, and other factors. Because each state and each family situation is different, there’s no way to find out if you qualify without filling out an application.
Source: healthcare.gov

StateHealthInsuranceProgram

​The State Health Insurance Program(SHIP) meets one of the most universal needs of Medicare beneficiaries, including those under 65 years of age — understanding their health insurance benefits, bills and rights. The Maryland SHIP program provides trained staff and volunteer counselors in all 24 counties. Counselors provide in-person and telephone assistance in the following general areas:
Source: maryland.gov

Costs of Medigap Policies

Posted by:  :  Category: Medicare

If you buy a Medicare SELECT policy: Medicare SELECT is a type of Medigap policy sold by some insurance companies in some states. If you buy a Medicare SELECT policy, you are buying one of the 10 standardized Medigap Plans A through N. Medicare SELECT policies require you to use specific hospitals and, in some cases, specific doctors to get full insurance benefits (except in an emergency). Generally, Medicare SELECT policies cost less than other Medigap policies. If you have a Medicare SELECT policy and you don’t use a Medicare SELECT hospital or doctor for non-emergency services, your costs will be higher. You will have to pay some or all of what Medicare doesn’t pay. Medicare will pay its share of approved charges no matter which hospital or doctor you choose.
Source: medicare.gov

Compare Medicare Supplement (Medigap) Plans and Rates in Your Area

"Times have changed since my mother had an AARP J plan and I was totally confused by the options available. Stan walked me through the process in a very educational, methodical, friendly way, and I feel secure now that we’re making the correct decision to provide the best possible coverage for my husband." – Pat K.
Source: medigap360.com

Michigan Medicare Supplements

Medigap Companies: Admiral Life Insurance Aetna Life Insurance American Continental Insurance American National Life Insurance Anthem Life American Pioneer Life Insurance American Republic Insurance Bankers Fidelity Life Insurance Blue Cross and Blue Shield Central Reserve Life Insurance Christian Fidelity Life Insurance Combined Insurance Company Conseco Insurance Company Continental General Insurance Continental Life Insurance Company Equitable Life and Casualty Insurance Family Life Insurance Company Forethought Insurance Company Genworth Life Insurance Company Gerber Life Insurance Company Globe Life and Accident Insurance Golden Rule Insurance Company Great American Life Insurance Guarantee Trust Life Insurance Humana Insurance Company Lincoln Heritage Life Insurance Loyal American Life Insurance Marquette National Life Insurance Mutual of Omaha Insurance Company National States Insurance Company New Era Life Insurance Company Old Surety Life Insurance Company Pacificare Life Assurance Company Pennsylvania Life Insurance Company Philadelphia American Life Insurance Physician’s Life Insurance Company Provident American Life & Health Reserve National Insurance Company Royal Neighbors of America Sierra Health and Life Insurance Southwest Service Life Insurance Standard Life and Accident Insurance State Mutual Insurance Company Sterling Investors Life Insurance Sterling Life Insurance Company Unicare United American Insurance Company United Commercial Travelers (UCT) United National Life Insurance United of Omaha Life Insurance United Teacher Associates United World World Corp Insurance Company
Source: medigap360.com

Medicare: What Are Medigap Plans?

However, you may have to wait up to six months for coverage if you have a pre-existing health condition. The insurer through which you buy your Medigap policy can refuse to cover out-of-pocket costs for pre-existing conditions during that period. After six months, the Medigap policy must cover the pre-existing condition. The exception to this rule is if you buy a Medigap policy during your open enrollment period and have had continuous “creditable coverage,” or a health insurance policy for the six months before buying a policy. The Medigap insurance company cannot withhold coverage for a pre-existing condition in that case.
Source: webmd.com

Medicare Supplement Rates

To find sample plans and premium rates, click the �Search Medicare Supplement Rates� link below. The pages on this website are printer friendly. Search results may be exported to Microsoft Excel compatible format. If you need assistance with this website, please click the �Contact Us� link.
Source: fldfs.com

Benefits for People with Disabilities

Posted by:  :  Category: Medicare

The Social Security and Supplemental Security Income disability programs are the largest of several Federal programs that provide assistance to people with disabilities. While these two programs are different in many ways, both are administered by the Social Security Administration and only individuals who have a disability and meet medical criteria may qualify for benefits under either program.
Source: ssa.gov

The United States Social Security Administration

Building a financially secure retirement doesn’t happen by itself. You need to make a commitment to smart financial decisions long before retirement — starting in your 20s would have been ideal — and then keep carrying through on your retirement plan.
Source: ssa.gov

Social Security (United States)

Due to changing needs or personal preferences, a person may go back to work after retiring. In this case, it is possible to get Social Security retirement or survivors benefits and work at the same time. A worker who is of full retirement age or older may (with spouse) keep all benefits, after taxes, regardless of earnings. But, if this worker or the worker’s spouse are younger than full retirement age and receiving benefits and earn “too much”, the benefits will be reduced. If working under full retirement age for the entire year and receiving benefits, Social Security deducts $1 from the worker’s benefit payments for every $2 earned above the annual limit of $15,120 (2013). Deductions cease when the benefits have been reduced to zero and the worker will get one more year of income and age credit, slightly increasing future benefits at retirement. For example, if you were receiving benefits of $1,230/month (the average benefit paid) or $14,760 a year and have an income of $29,520/year above the $15,120 limit ($44,640/year) you would lose all ($14,760) of your benefits. If you made $1,000 more than $15,200/year you would “only lose” $500 in benefits. You would get no benefits for the months you work until the $1 deduction for $2 income “squeeze” is satisfied. Your first social security check will be delayed for several months—the first check may only be a fraction of the “full” amount. The benefit deductions change in the year you reach full retirement age and are still working—Social Security only deducts $1 in benefits for every $3 you earn above $40,080 in 2013 for that year and has no deduction thereafter. The income limits change (presumably for inflation) year by year.
Source: wikipedia.org

What is Social Security Disability Insurance?

Many beneficiaries have multiple conditions. Of the nearly 8.9 million individuals receiving disabled worker benefits at the end of 2013, 31 percent had mental impairments as the main disabling condition, or primary diagnosis. They include 4 percent with intellectual disability and 27 percent with other mental disorders. Musculoskeletal conditions – such as arthritis, back injuries and other disorders of the skeleton and connective tissues – were the main condition for 31 percent of the disabled workers. (Musculoskeletal conditions were more common among beneficiaries over the age of 50.) About 8 percent had heart disease or other conditions of the circulatory system as their primary diagnosis. Another 9 percent had impairments of the nervous system and sense organs. The remaining 21 percent include those with injuries, cancers, infectious diseases, metabolic and endocrine diseases, such as diabetes, diseases of the respiratory system and diseases of other body systems. Moreover, many beneficiaries have life-threatening conditions: about 1 in 5 men and nearly 1 in 6 women who enter the program die within five years.
Source: nasi.org

Social Security Retirement Insurance Benefits

Once you have completed the eligibility screening questionnaire, you will be provided with a list of benefits for which you may be eligible. Print this page for your records before going to the application site.
Source: benefits.gov

Social Security Disability Insurance

Generally, the person qualifying for benefits is determined to be capable of managing their own financial affairs, and the benefits are disbursed directly to them. In the case of persons who have a diagnosed mental impairment which interferes with their ability to manage their own finances, the Social Security Administration may require that the person assign someone to be their representative payee. This person will receive the benefits on behalf of the disabled individual, and disburse them directly to payers such as landlords, or to the disabled person, while providing money management assistance (help with purchasing items, limiting spending money, etc.). The representative payee often does not charge a fee for this service, especially if it’s a friend or relative. Social service agencies who are assigned as payee are NOT prohibited from charging a fee, although the maximum fee is set by Social Security. The fee is the same for ALL recipients, except it can be larger for those with severe substance abuse problems (Social Security determines when a higher fee can be charged, not the representative payee.) Some states and counties have representative payee agencies (also called substitute payee programs) which receive the benefits on behalf of the disabled person’s social worker, and disburse the benefits per the social worker’s instructions. A payee can be very helpful in the instance of homeless individuals who need assistance paying down debts (like utility bills) and saving for housing.
Source: wikipedia.org

Health coverage options for people who get Social Security Disability Insurance (SSDI)

One exception: If you enrolled in a Marketplace plan before getting Medicare, you can keep your Marketplace plan as supplemental insurance when you enroll in Medicare. But if you do this, you’ll lose any premium tax credits and other savings for your Marketplace plan.
Source: healthcare.gov

Social Security Disability Application Help, Online Application Forms

By clicking the “I CONSENT” button, you give permission for GAR Disability Advocates, LLC and/or CBC Settlement Funding, LLC to call or email you regarding our services at the phone number that you have provided in the form above, even if that phone number is a wireless number and even if you have previously registered that phone number on a “do not call” list. You agree that GAR Disability Advocates, LLC may use an automatic telephone dialing system or artificial or prerecorded voice to contact you at the phone number you provided. You understand that giving permission to being contacted is not a condition of purchase or acceptance of property, goods or services of any kind.
Source: disabilityapplicationhelp.org