Monthly Archives: September 2021

1. When am I eligible to file for Social Security Benefits?

You’re eligible to file for Social Security benefits once you have been age 62 for an entire month. This is referred to as the Month of Entitlement (MOET). The Social Security Administration has determined that you attain the age 62 one day before your birthday for filing purposes. Meaning if your 62nd birthday falls on October 3rd, you’ll attain age 62 the day before on October 2nd. But because you will attain age 62 on the 2nd, you won’t be considered age 62 for the entire month, so you won’t be able to file until the following month of November. However, if your birthday falls on the 2nd, you would be able to file for benefits during October because you would attain age 62 on the 1st and be considered 62 for the entire month of October. You will always receive your benefit check in the month following the month for which it is due.

Dear Customer,

As severe weather season is upon us, I am reaching out to provide some additional information regarding your flood risk.

Your current homeowners’ policy, although valuable protection against the majority of situations, does not cover flood damage to your home. Part of our responsibility to you is to help you select the proper protection for your total picture. I’d like to discuss how flood insurance may be an option for your home.

A flood insurance policy is the best way to protect your home and personal belongings.

Below is a Risk Flood Insurance NON-BINDING Quote: