Group Insurance Benefits

Since 1952, group insurance benefits have been the keystone service of Koehler, Koehler Inc.  Our successful small and large business clients enjoy the success of a happy and healthy work force, higher employee retention and a stronger bottom line when they provide robust insurance options for their employees. A revolutionary product, The Difference Card, has allowed KKI clients to save 20-30% on their healthcare costs while continuing to provide the best coverage for their employees.  KKI also offers ancillary policies, such as vision, dental, voluntary life insurance and disability insurance for the short and long term. Check out our Group Benefits page for more information on how Koehler, Koehler Inc. can help your company navigate the ever-changing world of group...
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Health Care Law May Help Baby Boomers

View Source: Christine Dugas, USA TODAY8:06p.m. EST December 27, 2012 The federal government is moving forward with the Affordable Care Act. And Baby Boomers stand to gain the most. (Photo: Thinkstock) Story Highlights Baby Boomers worry about rising health cost Affordable Care Act will provide more competitive insurance exchanges Affordable Care Act will eliminate annual dollar limits   With the presidential election and Supreme Court decision behind us, the federal government is moving forward with the Affordable Care Act. Baby Boomers stand to gain the most. Since the recession, Boomers have been hard hit by unemployment, shrinking nest eggs and rising health care costs. During those years, about 8.6 million Boomers were without health insurance, according to a special 2009 report by Commonwealth Fund. As the Boomer generation approaches retirement, many hope that the health care law will fill the void. “It is a game changer,” says Ron Fontanetta, a health care group practice leader at Towers Watson. “It will provide health care access to pre-65 retirees in a very significant way.” Retirees who have not reached age 65 are more at risk — they don’t qualify for Medicaid, and if their former employers don’t offer retiree health benefits, they will not have a group discount. Also, it doesn’t take much for a health insurance company to say that they have a pre-existing condition and deny them coverage, says Paul Fronstin, head of health benefits research at EBRI. Even if Boomer retirees can get a private health insurance plan, it will be very costly. Based on their age alone, Boomers have to pay prices that are five to seven times higher than younger Americans, according to AARP. But if early retirees can wait until the ACA takes effect, it will change the playing field, says Fronstin. — Beginning in 2014, the law is supposed to prevent insurers from denying coverage to those who have a pre-existing condition. On Nov. 20, the Obama administration said that it was moving forward to implement provisions to ban discrimination and protect consumers from possible insurance abuses. –The ACA also will do away with lifetime and annual dollar limits on benefits, and it will limit the age rating so that a Boomer can only pay three times as much as younger person. –Health insurance will not necessarily be less costly. It will be operated by state health insurance exchanges, which will offer a competitive...
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Insuring Your Family

Koehler Koehler, Inc. helps you achieve peace of mind with the best and most affordable insurance policies available, providing a financial safety net for yourself and your family.  With personal health and life  insurance for yourself and your family you can rest easy knowing there is a plan in place to help you avoid financial ruin in the event of an unexpected health problem or catastrophe. KKI specializes in Health Insurance policies, providing top-notch service to our individual insurance customers.  We’ll help you supplement your insurance portfolio with Ancillary policies, and we’ll round out your financial plan with the best Life Insurance policy to fit your...
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Financial Planning

Trust your Chicagoland-based insurance brokers, Pete and Anna Koehler, for insightful financial planning assistance.  With over 60 years of combined experience, Koehler Koehler, Inc. has the industry knowledge you can depend on for your most important task – planning for your future. At KKI, our priority is to build the most beneficial financial portfolio possible for you.  With the appropriate amount and type of life insurance and annuities, you can plan for a comfortable retirement while living on a fixed income. For more information on how you can get started with financial planning for your retirement, see our Life Insurance and Annuities...
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