Fidelity & Guaranty Life 3 Year Annuity 2.75%

May 10th, 2018

 Fidelity & Guaranty Life is increasing the interest rate on their FG Guarantee-Platinum® 3 SPDAto 2.75 percent1 effective May 7, 2018.  

This higher rate joins our recently announced MYGA 5 & 7 rate increases making this series the most competitive in the market today.2 

Take advantage of these rates while they last.

Contact Roberson Tierney and Associates for more information – 860-379-6700

 

*This initial interest rate is effective for new annuities issued as of May 7, 2018, for the first three contract years only. Thereafter, the company may declare at its sole discretion a new rate that could be lower. This initial rate is also subject to change at any time in the company’s sole discretion for new contracts.

Bristol Senior Center Special Events in May

May 10th, 2018

Don’t miss out on the fun event that the Bristol Senior Center will be holding for the month of May. The senior community is fortunate to have such amazing staff and sponsors whom want to bring liveliness and energy to such a great place! There are so many activities and events each month that members can join. Roberson Tierney will be at the Wii Bowling Tournament on May 4th at 10:00 am.  Please, come and say hi! We are very honored to be a part of such a wonderful group of people. If you are a Bristol resident don’t hesitate to go check it out! 

Top Rated Docs in Their Field for 2018 in Connecticut

March 27th, 2018

Finding a doctors in Connecticut is hard. With dozens of options how do you choose? We’ve compiled a list of top recommend doctors that includes:

  • Allergy and Immunology
  • Cardiovascular Disease
  • Colon and Rectal Surgery
  • Critical Care Medicine
  • Dermatology
  • Endocrinology and Metabolism
  • Gastroenterology
  • Hand Surgery
  • Hepatology
  • Infectious Disease
  • Internal Medicine
  • Medical Oncology and Hematology
  • Nephrology
  • Neurological Surgery
  • Neurology
  • Obstetrics and Gynecology
  • Ophtalmology
  • Otolaryngology
  • Orthopedic Surgery
  • Pathology
  • Psychiatry
  • Pulmonary
  • Radiation Oncology
  • Radiology
  • Surgical Oncology
  • Thoracic Surgery
  • Urology
  • Vascular Surgery

 

Allergy and Immunology

  •  Jasmine M. Abbosh
    Address: 836 Farmington Ave # 207, West Hartford, CT 06119
    Phone: (860) 232-9911 
  • Christopher C. Randolph
    Address: 1389 W Main St #205, Waterbury, CT 06708
    Phone: (203) 755-7080

 Cardio Vascular Disease 

  • Kevin G. Kett
    Address: 1320 W Main St, Waterbury, CT 06708
    Phone: (203) 709-7300 
  • Jason Ryan
    Address: 263 Farmington Ave, Farmington, CT 06030
    Phone: 860-679-3343

Colon and Rectal Surgery

  • Christine M. Bartus
    Address: 201 N Mountain Rd #201, Plainville, CT 06062
    Phone: (860) 223-0800 
  • William V. Sardella
    Address: 85 Seymour St, Hartford, CT 06106
    Phone: (860) 548-7336

 Critical Care Medicine

  • Robert McDonald
    Address: 170 Grandview Ave, Waterbury, CT 06708
    Phone: (203) 759-3666 
  • Carolyn Rochester: Yale
    Address: 789 Howard Av, New Haven, CT 06519
    Phone:  (203) 785-4198

Dermatology

  • Jane M. Grant-Kels
    Address: 263 Farmington Ave, Farmington, CT 06032
    Phone: (860) 679-4600 
  • James Whalen: Uconn
    Address: 21 South Rd #2, Farmington, CT 06032
    Phone: (860) 679-7692

Endocrinology and Metabolism

  • Andrew Arnold: Uconn
    Address: 263 Farmington Ave, Farmington, CT 06032
    Phone: (860) 679-7640 
  • Karl L. Insogna: Yale
    Address: 789 Howard Ave, New Haven, CT 06519
    Phone: (203) 737-1932

 Gastroenterology

  • Harry Aslanian: Yale
    Address: 20 York Street, New Haven, CT 06510
    Phone:  203.200.5083 
  • Joel B. Levine: Uconn
    Address: 263 Farmington Ave, Farmington, CT 06032
    Phone: (800) 535-6232

Hand Surgery

  • Carrie Swigart: Yale
    Address: 800 Howard Ave, New Haven, CT 06519
    Phone: (203) 737-5604 
  • James Grant Thomson
    Address: 800 Howard Ave # 2, New Haven, CT 06519  (4th Floor)
    Phone: 203-785-2571

Hepatology

  • James L. Boyer: Yale
    Address: 40 Temple St, New Haven, CT 06510
    Phone: (203) 785-5279 
  • Martin G. Hoffman
    Address: 1000 Asylum Ave #3212, Hartford, CT 06108
    Phone: (860) 522-1171

 Infectious Disease

  • Gerald H. Friedland: Yale
    Address: 15 York St, New Haven, CT 06510
    Phone: (203) 688-5303 
  • Michael T. Lawlor
    Address: 100 Retreat Ave # 903, Hartford, CT 06106
    Phone: (860) 246-2351

Internal Medicine

  • Steven V. Angus
    Address: 263 Farmington Ave, Farmington, CT 06030
    Phone: (860) 679-7692 
  • Peter J. Ellis: Yale
    Address: 800 Howard Ave, New Haven, CT 06519
    Phone: (203) 785-7411

Medical Oncology and Hematology 

  • Jonathan R. Sporn
    Address: 114 Woodland St, Hartford, CT 06105
    Phone: (860) 714-4680
  • Susan Nancy Rabinowe
    Address: 114 Woodland St, Hartford, CT 06105
    Phone: (860) 714-4680

Nephrology

  • Margaret J. Bia: Yale
    Address: 800 Howard Avenue, Ste 4th floor, New Haven, CT 06519
    Phone:  203.785.4184 
  • Andre A. Kaplan
    Address: 263 Farmington Ave, Farmington, CT 06030
    Phone: (800) 535-6232

 Neurological Surgery

  • Kahlid M. Abbed
    Address: 1 Long Wharf Drive, Ste 6th floor, New Haven, CT 06511
    Phone: 203-785-2791 
  • Ramon A. Batson
    Address: 67 Sand Pit Rd, Danbury, CT 06810
    Phone: (203) 792-2003

Neurology

  • Agnes Jani-Acsadi
    Address: 263 Farmington Ave, 3rd Fl E, Farmington, CT 06030 
    Phone: (860) 679-860-679-4888
  • Richard H. Mattson: Yale
    Address: 800 Howard Avenue, Ste Lower Level, New Haven, CT 06519
    Phone:  203.785.3865

 Obstetrics and Gynecology

  • Claudio Adrian Benadiva
    Address: 2 Batterson Park Rd, Farmington, CT 06032 
    Phone: 844-467-3483 
  • Daniel R. Grow
    Address: 2 Batterson Park Rd, Farmington, CT 0603206032 
    Phone:  844-467-3483

 Ophthalmology

  • Davis A. Hill
    Address: 499 Farmington Ave # 100, Farmington, CT 06032
    Phone: (860) 678-0202 
  • Kathleen M. Stoessel
    Address: 40 Temple St, New Haven, CT 06510
    Phone: (203) 785-2020
 

Otolaryngology

  • Denis Lafreniere
    Address: 263 Farmington Ave, Farmington, CT 06032
    Phone: (860) 679-2804 
  • Eugenia M Vining
    Address: 46 Prince St, New Haven, CT 06519
    Phone: (203) 752-1726
 

Orthopedic Surgery

  • Robert A Arciero
    Address: 263 Farmington Ave, Farmington, CT 06032
    Phone: (860) 679-6600
  • Gordon A. Zimmermann
    Address: 499 Farmington Ave # 300, Farmington, CT 06032
    Phone: (860) 549-3210 

 Pathology

  • Jane M. Grant-Kels
    Address: 263 Farmington Ave, Farmington, CT 06032
    Phone: (860) 679-4600
  • Jennifer M. McNiff
    Address: 15 York St, New Haven, CT 06510
    Phone: (203) 785-4094

 Psychiatry

  • Samuel M. Silverman
    Address: 35 Tower Ln, Avon, CT 06001
    Phone: 860-852-1064 
  • David C. Steffens:Uconn
    Room L4062
    Address: 263 Farmington Avenu, Farmington, CT 06030-1410-1410
    Phone: 860-679-4282

 Pulmonary

  • Nausherwan K. Burki: Uconn
    Address: 263 Farmington Ave # Ms2015, Farmington, CT 06030
    Phone: (860) 679-7526 
  • John McArdle
    Address: 85 Seymour St, Hartford, CT 06106
    Phone: (860) 547-1876

 Radiation Oncology

  • Robert J. Dowsett
    Address:  80 Seymour St, Hartford, CT 06102
    Phone: 860-679-3225
     
  • Andrew L. Sainer
    Address: 85 Retreat Ave , Hartford, CT 06106
    Phone: (860) 972-2803

Radiology

  • Peter A. Morrison
    Address: 35 Nod Rd #101, Avon, CT 06001
    Phone: (860) 409-1952
  • Jonathan D. Getz
    Address: 114 Woodland St, Hartford, CT 06105
    Phone: (860) 525-3322

Surgical Oncology

  • David W. McFadden: UCONN
    Address: 263 Farmington Ave, Farmington, CT 06032
    Phone: (860) 679-8080
     
  • Ronald R. Salem
    Address: 35 Park Street, Ste 8th Floor Multispecialty Care Center, New Haven, CT 06511
    Phone:  203.785.3577

Thoracic Surgery

  • Dan J. Boffa
    Address: 330 Cedar St, New Haven, CT 06510
    Phone: (203) 785-2020
  • Robert Gallagher
    Address: 24 Hospital Avenue, Danbury, CT 06810
    Phone:  (203) 739-8136

 Urology

  • Jill Peters-Gee: UCONN
    Address: 499 Farmington Ave Suite 220, Farmington, CT 06032
    Phone: (860) 678-7300 
  • Peter C. Albertsen: UCONN
    Address: 263 Farmington Ave # Ms2015, Farmington, CT 06030
    Phone: (860) 679-4100

Vascular Surgery

  • James O. Menzoian: UCONN
    Address: 263 Farmington Ave #300, Farmington, CT 06032
    Phone: (860) 679-3540
     
  • Bauer Sumpio
    Address: 800 Howard Ave # 3, New Haven, CT 06519
    Phone: (203) 785-2561

Roberson Tierney and Associates offers reliable advice based on years of experience and professional training. They are committed to treating their clients with respect and will spend the time to answer your questions so you feel informed, confident and valued. Call today at 860-379-6700 

Fixed Indexed Annuities Beat Out Bonds

March 21st, 2018

In his latest research, economist Roger Ibbotson argues that fixed indexed annuities have the potential to outperform bonds in the near future and smooth the return of a portfolio.

He states, ““I’m not necessarily advocating you go all in,” on fixed indexed annuities, Ibbotson says. “I think combinations of stocks and bonds and fixed indexed annuities are good.”

Read full article here.

At Roberson Tierney and Associates we are well versed in these products and can answer any questions you may have. Call 860-379-6700 for help.

Czepiga Daly Pope & Perri Scores Another Win for Medicaid Clients

March 13th, 2018

Source: https://www.czepigalaw.com/

Last month the Connecticut Supreme Court handed down a favorable decision in a case argued by attorney Carmine Perri of Czepiga Daly Pope & Perri.

Why this matters

For married couples who intend to apply for Medicaid for one of the spouses, it is now possible to protect as much of the ill spouse’s income as is necessary for the healthy spouse to remain safely in the community , even if it exceeds the Medicaid cap.

What was the situation up until now?

Due to another case brought by Czepiga Daly Pope & Perri in 2010 and decided by the Federal Court of Appeals in 2012, it became possible, in married couple situations, for substantial assets to be protected and made available to the healthy spouse by purchasing an irrevocable annuity that paid income to the healthy spouse for a fixed period of time. But the state took the position that there were severe limitations on the amount of the ill spouse’s income that could be protected for the healthy spouse.

General Medicaid rules for married couples

For married couples, there are 3 basic protections for the healthy spouse:

  1. The principal residence is an exempt asset and protected for the healthy spouse.
  2. Of all of the combined assets of the married couple, the healthy spouse is allowed to keep approximately $123,000. Assets above that are at risk but can, in certain situations, be protected by use of the annuity strategy pioneered by Czepiga Daly Pope & Perri or, if modest in amount, spent down for the benefit of the healthy spouse.
  3. The healthy spouse is allowed to keep all of his or her own income, regardless of amount, but if the healthy spouse’s income is modest, the state will allow the healthy spouse to get as much of the ill spouse’s income as is necessary to bring the healthy spouse’s income up to a certain amount, but not to more than $3,000/month in total combined income.

An example of what this all means.

For a married couple with significant assets, the main goal is to protect those significant assets that are at risk over the $123,000 maximum that the state allows. The 2012 Federal Court case and annuity strategy pioneered by Czepiga Daly Pope & Perri largely solved this problem.

But what of the couple with modest assets where one of the spouses has significant fixed income and goes to a nursing home?

Say, for example, the husband has pension and social security income of $5,000/month combined, the wife has social security of $1,200/month, and their combined assets, exclusive of the personal residence, are $200,000.

The couple’s standard of living is reliant upon husband’s fixed income, so the goal is to protect the ill spouse’s income. Prior to Czepiga Daly Pope and Perri’s favorable Connecticut Supreme Court decision last month, the state would, at most, allow the wife to keep $1,800 of the husband’s income to give her the maximum monthly income amount the state would allow of $3,000. The wife’s income plummets from $6,200/month to the $3,000/month cap and she may very well not be able to afford to stay in her home any longer.

As a result of the Connecticut Supreme Court decision, for married couples who intend to apply for Medicaid benefits, it is now possible for the healthy spouse to keep as much income as is needed to remain safely in the community, even if means keeping more than the State’s $3,000/month cap or even keeping the entire $6,200/month of income.

It’s all about timing

To take advantage of this income protection strategy for the healthy spouse, timing is of utmost importance. And it is necessary to establish a conservatorship (even a voluntary one) over the ill spouse ahead of time. Embarking on this strategy is something that should only be done with the assistance of a qualified attorney.

If  you are a professional and would like an in-service on this income protection strategy, give Czepiga Daly Pope & Perri a call. If you or a loved will be needing to apply for Medicaid benefits now or at some point in the future,Czepiga Daly Pope & Perri today. They’ll work hard to protect what you’ve work hard for.

Mail My Prescriptions

March 6th, 2018

Mail My Prescriptions is America’s first wholesale pharmacy where you can shop prescription drug prices, order online and receive within a few days and is a great way to save money. 

How do they compare:

  • Prices are guaranteed and always accepted because they are a pharmacy
  • They coordinate clinical care with your doctors because they are a pharmacy
  • They obtain and transfer prescriptions
  • They ship directly to your door within a few days
  • Access to licensed pharmacists at the operations center
  • Licensed and Regulated by Boards of Pharmacy and Drug Enforcement Agency

Let’s take inhalers for instance. As of today (3/6/18) a quick search on inhalers showed savings ranging from $11-$70 per AER. At Roberson Tierney and Associates we are always looking for ways our clients can save. Spread the word and take a look at MailMyPrescriptions.com for more details.

Check out their 30 second commercial spot below:

Is your CD (certificate of deposit) up in April?

February 21st, 2018

What does a bank CD stand for?

A bank CD stands for Certificate of Deposit and it is a financial product commonly sold in the United States by banks, thrift institutions and credit unions. They are very similar to savings accounts in that they are virtually risk free.

How does a CD work?

In exchange for depositing money into a bank for a fixed period of time (or duration), they then pay a fixed interest rate that’s typically higher than regular savings accounts.

Who has the best CD rates?

As of Feb 2018 NerdWallet shared the best CD rates which averaged from 2.35%-2.55%.

Roberson Tierney has an alternative product offering a 5-year 3.6% guaranteed interest growing tax deferred annuity!

What is Tax Deferred?

Because annuities are classified as non-qualified retirement instruments, they receive a tax benefit in the form of tax deferral on earnings. Earnings are taxed as ordinary income upon withdrawal or annuitization.

GTL’s Short-Term Home Health Care Insurance

February 20th, 2018

GTL’s short-term home health care insurance is more affordable than most other plan of care policies and it pays benefits directly to you, regardless of any other insurance you have.

Here are some quick facts:

  • $150, $300 or $450 maximum daily benefits.
  • Prescription benefit year maximum of $300 or $600
  • $40, $80, or $120 per-day home health care aide benefits
  • Policyholder access to Ask Mayo Clinic Nureseline and Critical Illness Support
  • Home health care benefits include: speech pathology, enterostomal therapy, respirational therapy, occupational therapy, physical therapy, chemotherapy specialist, medical social services, skilled nursing care (RN), and general nursing care (LPN/LVN)

Click here to view GTL’s Short-Term Home Health Care Insurance Infographic

Restoring Medicaid Coverage Event on 2/21

February 19th, 2018

EVENT: RESTORING MEDICAID COVERAGE

SPEAK UP FOR HEALTH CARE!
Cuts to Medicaid programs in the state budget threaten thousands of Connecticut residents’ critical health care coverage
Wednesday, February 21st
4PM: Legislative Briefing & Action Strategy, Capitol, Room 310 
6PM: Appropriations Public Hearing, Legislative Office Building, Room 2C
 
In other news:
  • Recharging for the Next Health Care Flight
    he recent Families USA Health Action 2018 conference offered a chance for health advocates to take stock of our victories and recharge for the next fight for quality, affordable health care for all. Read more here
  • #HealthIsWealth
    That hashtag is just about everywhere—people are realizing now, more than ever, that living their healthiest life is a measure of wealth. If we’re honest, though, not everyone has the same opportunities to do so. Read more here
  • We Can’t Afford to Get Cancer
    I attended a conference last week, The Policy, Politics and Law of Cancer, hosted by Yale Law School’s Solomon Center for Health Law and Policy.  The conference brought together over 40 speakers from the fields of cancer treatment, research, government regulation and funding, academia, advocacy, and health policy. Read more here

All topics presented by the Universal Health Care Foundation of Connecticut.

5 Year Annuity Rate Has Increased from 3.1% to 3.25%

January 10th, 2018
Do you have a CD coming due? 
If so, we have a 5 year CD alternative offering 3.25% guaranteed interest growing tax deferred!
 
What is tax deferred?
Because annuities are classified as non-qualified retirement instruments, they receive a tax benefit in the form of tax deferral on earnings. Earnings are taxed as ordinary income upon withdrawal or annuitization.
 
With the income limits changing on the Medicare Savings Plan & Extra Help Programs, this may help you keep your income under the limits.   
 
You also have access to a portion of the money without a penalty!
 
Contact us today to get more information or sign-up for a CD alternative plan today!
 
Roberson Tierney and Associatiates
Phone: 860-379-6700