The Troubleshooter 5-2-24

Yeah, ripped up. You need advice, so you don't have We'll come running just as fast as we can. Shooter's gonna help come. Man six is the Troubleshooter Show. Now, Tom Martino, Hey, Tom Martino here, welcome to the show. Three oh three seven one three talk. That's the number in the studio. We also have three oh three Martino. You can call twenty four seven three oh three six two seven eight four sixty six and when you call, we'll get right to you. That's right, we

will get right to you. And if you can just hang on, I have my expert. I want to get on right now. Eric Reinimer with Atlas Epas and Financial Advisors and Eric, we had a question the other day that came up about are you there, sir? I am now. After the April fifteenth deadline, you slowed down a little, but you still have to get people ready who filed extensions. Let me ask you something in general, do a lot of people file extensions or do you still have most people

filing on time? Well, we have probably a third of our clients' file extensions. Because I just together yet. Okay, So we had a question, and again it doesn't apply to everyone, but it was important enough that we wanted to talk about it on stacking retirement plans and we had Retirement Planning Center of the Rockies on But some of the questions they said, and fairly so, they said, a lot of them are more apt to be tax

questions than they are than they are you know, financial advisement questions. And we were wondering about a number of them, and basic Lee, let's us go through them. We're mainly talking about people who make some money and there they own their own company. They might even be the only employee, or they have their wife or a kid or something where they don't mind doing a plan. So we have the solo forour oh one K, which is basically a four oh one K for a person who owns their own business or if

they have a couple employees that you know. But bottom line with that is the company puts in money, which is basically themselves, and then they put in money as an employee. And somebody wanted to know if they own their own company and they want to do that where the employer part of them puts in money and the employee part of them puts in money. Are they Jim, is it worth it for the tax savings if you consider they now have to be W two and they to they have to pay other h expense on

themselves. That was the first question. That's a great question, and probably the question behind that is to take a pension deduction like a four oh on and K, you have to charge wages to yourself. And you have wages, you pay fifteen percent payroll tax. So really the issue is are you more focused as your income grows. People tend to be more concerned about setting

aside retirement dollars that are worrying about trying to minimize their W two. So it really just depends on how big your dollars are at stake, But ultimately you end up it's more beneficial if you're going to get a thirty thousand dollars retirement deduction and it's your own money just going into a four oh and K,

it's worth it because of the tax deduction. Okay, Now, next question, if someone owns their own company, or they're a contractor or whatever, electrician, whatever we have, if they do this solo for a one K or a limited for a one K for you know, like I said, closely held employees, can they also do a SEP I r A on top of it. No, those are mutually exclusive career because really they're identical plans. You can't you've got to do one or the other. Oh so

they can't do both. No, the main stacking is you use that phrase. The main thing that we can see is you can do on top of a four one K and we've talked about this before, you could add on top of that a profit sharing plan. That's very common, that gets happened a lot with high orders. But an SEP is like a simple plan, is like a four to one K plan. They're all okay, five I

RA as okay. So basically the the the SEP I RA or the SEP uh and or the solo four one K they both will give you the same exact contribution limit and the same deduction, but one is done totally from the employee. The other one is done as an employer employee. So with a step you would not have to have the W two arrangement with yourself as long as you're charging. No that that's actually you do have to have WW income.

And we almost never see SEPs anymore, Tom because the problem with SEPs is it's limited to twenty five percent of your wages or your self employed income. That's the issue with those things. Now let's say this. Let's say this contractor who works for himself has a solo for a one K, and now let's say he does other business activity separately from his come. He does

some other stuff. Can that other stuff qualify for a set It could, as long as everything has to be aggregated together to his personal limitations in a year. So he still won't get more than the write off of sixty six thousand or so. No. I would suggest doing it in one plan. It's too complicated. Okay, spread it around. Now. On top of that, can a business owner do a traditional IRA if he has a four to oh one K? Typically not. Those are subject to income limitations.

And if you're in a four to one K, usually your income puts you past the threshold. Okay, qualify now, except he can probably do it but not deduct the contribution. Yes, a non deductible IRA. Now is it worth doing that if he had some extra money in order to get that tax free the tax deferred earnings? Yes, generally if a person is at that point where they're just looking to put away money without taxation, then yes, that would be worth it. Okay, Now, what about what they're

calling a backdoor wroth. If people make too much money to contribute to a wroth, a married couple or something, and they have some other plans, they can take a distribution of that plan, that qualified money and roll it into a wroth. Yes, they can, and that's where probably my colleague you spoke with before, Michael Lebot, might be best on the details of

how that would get structured. But basically, you pay the tax, you roll it over, you don't pay the penalty if it's a qualified rollover, and now that money becomes tax free earnings and tax free when you take it out, correct. Okay, Now that would be for someone who anticipates that they want tax free, if they anticipate later on in life they're going to be in a low tax bracket, that may not be necessary. That's right.

For people like that, it might be better to take a lot of people want the big tax deduction now because they can plan being in a lower bracket in the future where it's going to be at a much lower rate, which is a whole other strategy, and the wroth would be subject as I understand it, the wroth would be subject to limitations of contribution. Right, Yeah, there's those annual limitations, just like a traditional IRA of six or

seven thousand. So even if you roll over some money from an IRA or something else into a wroth, you still can't exceed the sixty five hundred or if you're fifty year older, the seventy five hundred contribution. Right. Okay, Well you cleared those things up, and I appreciate it. And then you said something about a pension plan in addition to a four oh one K, and that gets pretty sophisticated because people having had done that in the past.

You have to pay quite a bit of administration costs for that you do. There's at least several thousand dollars a year just to administer that. And again, if it's worth it, if your money that you're putting aside is big enough dollars, it's worth it for the tax benefit, right, Sometimes it is, sometimes it isn't. Do you find by the way, people wanting more tax deferred money or do you feel like times are tough and they don't have it to put away? For the most part, medium to small

business, I'd say it goes both ways. Some people are having tough times, but a lot of people are having amazing years and still looking to maximize their retirement contributions as they get older and closer to the end of their work period. Okay, visualize. Thank you very much, and really you've been a world to help you. Really clear it up. And are you guys still taking on new clients? I always get that question when you're on all

the time. We love it every week Atlasfirms dot com and it's three oh three seven nine nine nine one one one. Thank you very much, Eric. Yeah, there's a lot to talk about when it comes to this stuff. You know, you hear all these expressions, but can they be done? How can they be done? How can they be done legally? Of course? And then let's talk about when I say regular wage journers, I mean if you don't own your own company, and you're not you're not looking

to stash a lot. You still have, of course the traditional wroth and the traditional ira, which is a great thing. And then you have the educational plans five twenty nine you can put away. And if you put that money away for your go into college, then you look forward to the future when that money is taken out for college, and that money is never taxed if used for college. Now we have more coming up with Lean wants to talk about a vehicle. She's looking for a vehicle to be donated. She

wants a vehicle. And then Tom is looking for Tom has an issue with Excel Energy. All of that coming up on the Troubleshooter Show. Paul the Waterman, Great water systems at the lowest prices I've ever seen. And I'll tell you what. It's not just a lower price. The products are better than you get for twice and three times the cost. If you want drinking water, never buy bottled water again. Fourteen hundred bucks fully installed triple filter

reverse Osmosis three zero three eight six two five five five four. Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content. Leave time for an insurance check up free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three all three, seven seven to one.

Help. You'll think you're his only customer when you choose Frank durand the real estate man dot com to list your home with Remax Alliance three all three nine two zero sixteen twenty two. Hey, I'm Tom Martino, you troubleshooter three all three seven one three talks seven one three eight two five to five. Now I'm gonna say it publicly. I used to keep this to myself off the air because we have two shows going on off the air. On the air, if you're if you're a YouTube flunky, excuse me, a YouTube

moron, sorry, Facebook flunky. One thing, I've noticed, the Facebook flunkies are not as negative as the YouTube morons. There's something about YouTube that attracts negativity. That's just the way it is. There're a bunch of and they seem to skew older on YouTube. It's like they're sitting around scratching their asses, you know, just smelling, not showering. This is what I'm picturing. Maybe I'm wrong. I'm not picturing some young executive at his desk

having this off to the side, listening to the show. For edification. I think there are people look into just throw stones at callers and me. I don't care. Hey, Leanne, tell me you need a vehicle. Let me just tell you something, Leanne. It is a cold day in hell to get a vehicle donated nowadays. I know this because I'm trying to go through it myself with some of my as they call them, newcomers. I'm trying to help people who have asylum here in the country, who are

getting jobs and need transportation. And I feel for you if you need a vehicle, it is very difficult use cars. People are keeping them now and then when they're not they're selling them. Now, tell me your situation, Leanne. Sure. So my situation is I actually have a sober living in Littleton, Colorado, the five bedroom home for women. And what we're doing, Tom is we are truly helping these women. We are trying to help them get their lives back on. That's wonderful. I love hearing this,

okay. And with that, we are a nonprofit. And also, so you know a little about myself, I do this work for free. I'm in recovering myself. My passion is I know women can be saved and be sustaining and efficient in society. Again, however, our struggle right now is we do not have a home and I work full time. So I am working, Okay, I get it. So you guys, you guys need a vehicle for the home. Yes, and we do service work in the

community. We are always helping others. That's totally different. That is very very won that's wonderful. Maybe we can. So, do you need something like for group rides or like taking the women places? Ords you need and what do you is that? What you like? A van? We need something that's going to be a five at least five passenger plus. These women also are fighting to get their children back, and I'm beyond excited to share that we have two women that are already getting custody back. We need to

be able to go and pick them up from school. Whatever events we can include them in. We are part of events in the community, giving back. They need to make their meetings, they need to make their requirements for courts. They're doing it right. We just desperately need help and we do not qualify for funding from the state to purchase a vehicle. So we are hoping there's someone out there that would be able to help us. What would be an ideal vehicle? Ideal would be a small suv or a large suv.

Okay, So you need or a van maybe or a van. Yes, absolutely, just something is just to be keeping in mind that would be easy enough to get around because of parking and all of that. But we absolutely are open to a van as well. We're open to anything that's just safe and reliable. And we've also partnered with a great organization that you've spoken

about before. I don't recall the name, but the Hands of Carpenter I believe, yes, yes, hey, they're going to help make sure once we have a car donated, they've already committed to helping us keep it up and running. We just haven't found a car yet or a vehicle. I should say, you know what, I love helping if we can so kit China, make sure we have her information to get back and then let's put the word out. Man. I really want to get the word out.

And you know, you guys can contact us about it or you do you want them to contact you directly? How do you want to do this, Leanne? I just don't want you fall in for any scams. Okay, if people say that's what I'm running into, would it be okay that they contact you? And I yes, it would be It would be make sure we get your information, Leanne. We would love to help you three all three seven and thank you to anyone anyone that can help. Thank you so

very much. Okay, Leanne. So they're looking for an suv or a van and that they can help the ladies, the women at this sober living house. She's helping them get back on her feet, on their feet and get their children or their custody back. That's wonderful, really wonderful. By the way, Tom, what's going on with Excel Energy? What's happening. I'm going to check out my email, said, I guess you sent us an email, But what's going on? Sir? I did send you an

email, and I sent you another one just a few minutes ago. You sent me a bill. Here and I see a bill and the bill is for nothing zero. Now that's the one that you received just a few minutes ago. Now, what are you calling about? Tell me the problem. The problem I've got is I don't think I'm receiving a full credit for the power of being produced by my solar panels. I sent you emails last week that show that I'm producing seven hundred and eighty kilowatts, but I'm only receiving

credit for two hundred and forty. Yeah, but but hold on, you're producing seven eighty, you're getting credit for two forty. But let me, is this a net metering situation? Aren't you using the rest of it for your house? And then you get to sell what you're not using? And well, I'm still getting a bill for I don't have that. Wait a minute, Well, I got to look for your previous email here. I don't see it here for some reason. But hold on a second, though.

That doesn't matter. I'll get it. Kachina will send it back to me, So I don't. I want to get one of our solar experts on too, So this is good. Hold on, I'll look at your email. We'll get one of our solar experts on three oh three seven one three talk three oh three seven to one three eight two five five. Surely a question on taxes coming up as well. We will help all of you. Just hang on and don't forget Grossman. This clinic I credit them with

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at two hundred and forty nine bucks. No obligation to go forward. That's for blood work and a consultation. See where you stand three zero three two three three forty two forty seven two three three forty two forty seven. Go with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay

a cent until you're content. Time for an insurance check up free, no obligation in comparison, call help us insurance paying too much your coverage at dozens of insurance companies find out now three all three seven seven to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three all three nine two zero sixteen twenty two Himes, Tom Martine, your Troubleshooter three all three seven one

three talk three all three seven one three A two five five. Welcome to the show. Let's talk Tom. What's going on with Excel. I did not see did you send that to me the other one? Oh? Yeah, I see it. Okay, do we have our solar expert? Not yet? Okay? Uh, then I might hold hold him off then for a sec. I'm looking at his bill here, and I think we should send one to her. Basically, it's showing what he produced. He's saying he's not getting credit. You know, net metering is a weird, weird

situation with Excel. We can either get Brook or Mark, Mark Conkle or Brooke. So let's either get probd Energy dot com, Probit Energy dot com, or we'll get Brook at red Rocks rs dot com cool three all three seven one three eight two five five. Meanwhile, I'll talk to uh. Surely she has a question about taxes. Surely what's happening? Oh? Hi Tom. A couple of days ago, a family member passed away and we found out that, uh, he may have not been paying taxes for the

black past twenty thirty years. Oh my good, wha twenty or thirty years? Right? Holy crap? I wonder how how did is is it a man or woman? How did he ar she get away with it? I don't know. He's been on disability most of most of the time, if not all of the time, and receiving a small pension. So I don't know. I just don't know. So my question is how is this handled and is it is it going to be the responsibility now of the personal rep to handle this? And if you know, if nobody pays, is there

going to be problems with that? You know what? I think? We get one of our estate planning attorneys on Here's why. I'm not sure. I am almost positive that taxes are going to be a lean against the estate. But if they have not done that in thirty years, my main question is do they have a responsibility to seek out the I R s Now? Does this tell me about this guy? Will? Will? Will he have any wherewithal any money left? I mean not left? But what is in

the estate? Let's start there really just personal items because he had a life estate deed. What does that mean? So the house went to some one else right upon his death, it went to his daughter and did she so she's already got in the house. When did he die? Onndy? Oh like oh my, okay, we're talking right now? Okay, yeah, yeah, So yeah, with the life of state need as you probably know that it immediately goes to who is the it's a it's a beneficiary Steed,

it's a beneficiary Steed, So the how? But yeah, just giving him. But I believe, I believe beneficiaries deeds may even be subject to tax liens. But he hasn't had any tax collections or Leans has he no? So what would be interesting? Kachina? We really need to check with either with either one of our estate planning attorneys. We either kill and Park or McKay. We really need to check with him because I'm not sure if they

I'm sure they've encountered this before. And I don't know the extent that you have to go to contact the irs and to admit to them they've never been filing. What do we do? I don't know what the answer is there. What you don't want to do is end up with personal liability because of it? Right now, hold on, Okay, surely we'll get We will get. I think this is better than a tax attorney we need. What we really need is someone with estate planning and dragon is she hearing me?

Good? Let's bring up Mark now with probid Energy dot com, a solar business for sales installation and service full service. Now mark on on the Succel Energy thing. He doesn't understand his net metering or I don't understand it. But it doesn't look like he's getting credit. Tom, can you he's with Excel Energy. By the way, Tom, how long have you had your solar system? It's been right at one year? What size is it? I've got forty two panels. Okay, I don't know what that means.

But and have you always since it's been activated? Have you always been paying on an electric bill? The first I'll say three months? No, I was getting credit. After that, starting in probably July or August, I started getting actual electric bills again. And how much are those electric bills compared

to what would normally be an electric bill? Give me an idea. Well, for the pages I sent you, the one that's February of this year, my electric was two hundred and one before that in January it was twenty nine. And what would it normally be without the solar system. I'm really not sure it would have probably been I'll say seventy five dollars more each. So you're not saving all of a sudden, you were saving, you were not getting bills then all of a sudden, you started getting bills. Yes,

the system went up in March. I had credits through August. In September I started. You're talking March twenty twenty three, got it, and you've had it since then. And then you started getting bills again when it would be September of last year. So you only did not have bills for March, April, May, June, July, August for six months? Correct? What do you think is going on? Mark? His system may be working properly. You know, February January are the lowest production months,

so you're using up those net credits. What I'd love to do is help about take a look at his system, look at his bills and figure out what kind of solar system he has, and see if we can't dive in and do some Yeah, let's see what's going on. He can look at it. That's the good news. That would be fine. It may be working just fine. We always say wait a year, a full year from you from when you installed to then to see what you're producing. But Mark,

I want to ask how if you could hold on? Because I want to ask how the net metering works when it comes to electric bills and when it comes to selling back, and when it might be better to have batteries. But Tom, here's what we're going to do. We're gonna give you Mark's number, and I'll give everyone his number two. But Tom, you can call him, or we can have Kachina get your number and have Mark call you. And he's at Probit Energy and we'll come right back to him

and more. All of your calls at three oh three seven one three A two five five or three oh three Martino go with a sure thing Denver's best rufer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now

three oh three seven to seven to one help. You'll think you're his only customer when you choose Frank Durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. Hi, you know here, I have Mark Hunkle with Appropriate Energy dot com a solar system dealer. They sell, they install the service, They help commercial and residential. But I have a quick question for you here on net metering.

Now here's how I understood it. Tell me if I'm right or wrong. On a regular day where you have a lot of production your house, it goes to your house and then you use whatever you need to use. In fact, if you use all of it, you use all of it. If you use all of it and still need power, you automatically get from the grid and are charged for it. Then when you don't use all of it coming from the sun, or if you're not home or whatever, then the excess is sold back to the grid. Is that how it works

or not? Mark yep. Essentially you're correct. Any excess is sent back through that net meter, and that net meter reads it going forwards and backwards, so it's a bi directional meter, and anything sent back is stored as a grid credit. And so in these winter months when the production is not great, you're pulling from those credits, and that's a net that that's basically what net energy. So you're pulling from those credits. Then how do batteries

play into it? So batteries have gotten a little more interesting because we've got really expensive energy that we have to buy from Excel energy at certain times of the day, yep. And if you're not producing enough energy, you could pull from your battery and charge your home during those high rate times. If your system's not producing enough an offset that what is it twenty one cents of killoot hours. Now, if you sell to the grid during the high killowat

hours, do you get more money for you for what you're selling. It's a net credit. It's not they shore up at the end of the year. But let's say you pay an average of fourteen and a half cents for a kill a lot hour. Excel reimburses you for that energy at the end of the year when they true up in about three or four cents. So it's not a it's not an investment, okay. But now some commercial systems have been able to turn a little positive cash flow on it. I want

to know this. Is it impossible for residents to do that? Is it? Is it not worth it? In other words, residents, you just get your power and that's what you need. Don't worry about turning a profit. That's what I would do, because you're the ROI is out there to add excess panels. It's not a money maker. Someday it might be because they are going to need those homeowners and those batteries to use their power to agree. Mark Conkle, thank you probid energy dot Com three six two three

fifteen thirty one. Now, surely, on this tax thing, I had a quick question. You said, for thirty years, he hasn't filed taxes. He died a few days ago. I want to ask some quick questions. You said he did not file, but you did not say he did not pay. So did he work and did they withdraw taxes? But he never filed to get a refund or filed to pay more? Was he working where they would withdraw taxes? No, he he was receiving social Security disability

and a small pension. And I don't wait, wait, wait for thirty years. Much he was getting for thirty probably, I'm going to say most of the time, and maybe that's when he stopped paying. Is that when he quit work? I don't know. We haven't gotten that far into everything yet, but at this point, all we know is that he probably didn't pay for twenty thirty years, so social Security disability and what other income got a small pension in addition to that, right, and where was that from

the dember water? Okay? Now, so okay, so you want to know do you pay where their taxes do on that? That's what I'm trying to figure out. And when it comes to social security disability, there are some guidelines on that the benefits have to exceed a certain threshold. Do you know how much he got? I do not. We haven't gotten that far into everything yet. We're still starting through papers. Okay. In other words,

here, let's put it this way. The worst case scenario is eighty five percent of those benefits would be taxable, or fifty percent would be or there's a certain amount he wouldn't pay tax on, so that's going to count. And then on pension there they're taxable. I'm unless, of course, he had a special tax free one. I'm Tom Martinez. We have more coming up. Hold on go with a sure thing Denver's Best Roofer Excel roofing dot com. You don't pay a cent until you're content. Time for an

insurance checkup free no obligation. Comparison call Compass insurance paying too much your coverage at dozens of insurance companies find out now three all three seven seven to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three all three nine two zero sixteen twenty two ripped so you don't have run as a cad. Shoot's gonna help. Come man, This is the Troubleshooter Show. No Tom

Martine, Hi Tom Martino here, Welcome to the show. Three oh three seven one three talk for three seven one three eight two five five. What's going on in your life and how can we help you? This hour brought to you by Denverregen dot com. If you're looking for that weight loss supplement not supplement drug Semaglue Tide, they have it for two hundred and fifty bucks a month. That's with doctor consultations and all of the drugs and supplies.

They're once a week injectibles. It's the unbelievable price of two hundred and fifty a month Denverregen dot com. As always, of course, check with your doctor before you go on any weight loss program and you can talk to their doctor. Two. Uh, let's let's talk to our one of our estate planning experts, Dan mackenzie McKenzie law about Shirley, and Shirley basically has a question and Dan, I'm gonna ask this question because you can't possibly know about

this estate. But this guy worked for many years then retired, not retired, but has Social Security disability and a pension from work. So for about thirty years he's been on Social Security disability and a pension from work roughly and never filed taxes. And she surely, how do you know how long it's been since he filed? Who told you saw a family member? He had told a family member. And now that he's gone, you know, people are we're talking and trying to figure out what's going on. And he was

on SSDI. So for now, what we think is when he stopped working about thirty years ago, went on SSDI and a pension, he wasn't filing. How old was he when he died seventy one? Jeez? Okay he had and he hadn't worked since forty years? Right, wow? For around that. Yeah, So here's the quick question for you, Dan mackenzie. Since you do a state law, does the irs put do they put leans

on the states? Uh? No, but they might, I mean part of the process that there's a prodate going on, is letting the i R s know that you are now the fiduciary and that they should be contacting and dealing with you on tax issues related relating to the decedent. But let me ask you this, Are they obligated to contact the i R s? Do they what? Like? For example, do they have to file an estate

return? No, they did not have to file on a state return unless than the state taxes do There could be other reasons to do that, but this is really I mean, that's a different tax and income taxes. So basically, basically that person dies, they don't file tax anymore. If he had been filing, yeah, I mean an income tax return would be due for whatever income here and in the year that he died, and if there's still income being produced by any asset that he owned, the estate could own

owe an income tax going forward. So there is still some income tax obligations to be aware of. But for the most part, let's say the guy didn't file he dies, his daughter took the home in a beneficiary's deed. Can they ever come after her saying before you took that home, we should we owed he owed us money. Can they go retroactive on that. I don't think so. I think this is normally handled to the probably process, and it sounds like there probably is not one, right, So surely are

you guys filing probate. No, there was a will and so the the personal his daughter. There was nothing to be transferred as what you're saying. No, not just minor you know, small items house are not transferable. Those are just taken. I'm asking you, was there anything that had to be ownership transferred? He has a couple of vehicles. I don't know how that's going to be handled. How is that handled? Dan? If he

had less than eighty thousand dollars and no real estate. Once we've taken out the stuff that he had the beneficiaries on, he would go into the DMV and fill out it's called a small estate affidavit with them. They have their own version of that and that's not probate. That is not probate. That is just for way exactly what it sounds like, a small So it sounds

to me like they don't have to do anything. Nobody there's no personal representative, right, Shirley, Well, his daughter was a personal personal rep on the wheel. So she's basically handling most you know, but there is no she didn't open probate. She doesn't plan on opening probate. Did he have any money in bank accounts. There was a little bit of money done in accounts that he shared with his daughter, so she they were both on the

accounts. Yeah, so if they're jointly owned, which they probably are, then yeah, she's now the owner of those accounts. So that's what you don't see. You don't see basically anything coming up, do you. I'm not. I mean, I guess you know. I would always I'm not necessarily an income tax experts. I might recommend that you confer with an tax attorney, but I don't. Usually the probate process is where creditors go to

get satisfaction. So I guess the I r S. You know, creditors can open a probate process, and the I R S is potentially a creditor here, so they could open a probate process, I suppose, but there's really nothing going through that process, So I just I don't know. So if you don't open a probate and everything is outside of probate, there is no person or air that has to contact anyone about anything. No, Yeah, creditors, it's up to them if they want to start that process.

Surely it sounds to me like, you guys, just why was this concerning you personally? Surely? Why you Well, because I don't think there should be loose ends, especially when it you know, as they go through this process and start. Who doesn't sound like there's any loose end after here? Yeah, after hearing that he hadn't filed taxes, of course that's the concern, you know. Oh yeah, but there's no leans. They were never coming after him to collect. No one ever bothered him. I don't I

don't see anything going on here. And uh and basically, uh, you know, there's no estate. I mean, there's no probate. Everything passed on. Uh. The cars will be a small estate AFFI David, And that's outside of probate. What kind of cars are we talking about, Shirley. Oh, they're older cars. They're probably not worth more than five six thousand dollars a couple of them. Okay, what do you guys plan on selling those? Well, right now his sons are are dealing with that.

Okay, this is so new that everybody's trying to figure out what to do. And well, you know, by today's standards, at least, I like to believe this seventy one is not that old. I'm seventy, so you know, was it sudden. No, he's been ill for quite a while, okay, and he just you know, well, surely my best

to the family, and listen, Dan mackenzie. If you need questions, if you need answers, if you not need questions, if you have questions and need answers, you want to talk to someone, I'll give you his number. He's uh, it'schaic law eight three three CO plans and that's eight three three CO for Colorado co Plans and then the website co Plans dot co.

That's co Plans dot c. Oh. Remember, folks, a lot of times that is one of the reasons, not a lot of times, all the time, it's the reason not to have an estate that goes through probate is to avoid any problems like this, people putting claims. Again, it takes an estate plan to do that. And that's what a lot of people don't understand. Three oh three seven one three eight two five five. So we have more coming up right after this. Go with a sure thing

Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content of time for an insurance check up free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three all three seven to seven to one. Help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three all three nine two zero sixteen twenty

two. Hi Tom Martino, your troubleshooter. I need a TikTok expert to find out why I got my ass kicked off. I was on TikTok oh. Well, I had a vacant, empty account for a while, and then I decided to post some videos. I post three videos and get I get banned. I go to log on, it says account suspended. Then I say, you think you can't log on so you can't ask why. I had no idea why. The videos were about banks shutting down accounts for

so called cyber security or fraud. They just shut you down and then they say, well we suspected fraudulent activity. But then they never tell you what that fraudulent activity is, and then some other meaningless videos they had nothing to do with anything, and I get shut down. Anyway, Rodney, you got a question on dating a house? Hi? Rod what's happening? Hi? Yeah, Tom, I'm eighty five. I've got a house. Damn you. Old people are calling me today, Rodney. I don't talk to

people older than me anymore. That's my new rule. Anyway, So listen. No, I'm serious when I say this, and you probably sound you don't sound eighty five. I don't know what that means. I swear to God, I don't know what that means. But anyway, keep going. Well anyway, the house is in my name. I bought it several years ago, twenty ten, and he just want me to beat the house over to him. Who does who? Son? No, No, don't do it. That's that's the wrong way to do it. He will. You'll

ruin all of your tax benefits, all of them. Okay, Can I can I explain? Why? Go ahead? First? I want to ask you, why does you want the house now signed over to him before you die, so that it would avoid assume probate? Okay, and your son I don't like using this word. He's a moron. Well, no, that's insulting my YouTube people. I call it aone. No, your son's not too smart there when it comes to that, let's put it that way. What did your son do for a living out of curiosity? He's a

self employed photographer? There you go, right there. He's an artist that tells you everything right there. Hey, on a serious note, Rodney, what did you buy your house for one? One fifty? I think it is. What is it worth now? About three seventy? Okay? Now how long you got left? If that's the will hold on your three fifty. Let's let's just figure this out. Let's let's say it goes up to

four hundred. It's going to but okay, and you bought it for one fifty, So now you got two hundred and fifty in gain if you If you give it to him now, he'll have he'll have to go back to your basis if he ever wants to sell it. Even if he keeps it for ten years, it'll be worse. No matter how long he keeps it, his original basis in that house will be one fifty. Bad news. Okay. Now, if you want to avoid probate, which is a good idea if you can, there's nothing wrong with probate. But but you you

really can avoid probate. Sometimes you can. But let's say he wants to avoid probate, you do it beneficiary deed. A lot of people call them life's estates, and other states they call them ladybird deeds. What it means is it's Rodney's house. Rodney can change that beneficiary's deed to maybe a new girlfriend if he wants, or back to his son. He can do whatever

he wants. It's not irrevocable. But you make a beneficiary deed. Your son doesn't need to prove it. No one has to approve it except you, and you put him on it on the day of your death, which I hope is many years in the future, because you're old enough now to be president. You could Rodney in the future when you pass, your son will automatically have that house outside of probate already. Then it's valued on the day of your death. So let's say it's valued as we said, let's

say it's four hundred. Then if he sells it, what's he going to sell it for or for one or four to five or whatever, four hundred and five whatever, and he's not going to have any taxes hardly any or if he keeps it for five or ten years, his basis will now be four hundred thousand instead of one point fifty. Do you get that? Yes? Good, there's your answer. Get a beneficiaries deed. And instead of don't let your son do it he's an artist, you do it. Call

mackenzie law. It's a lumber. Yeah, it's eight yeah, yeah, you got to know. Okay, it's easy and cheap, but that's what you do. What else do you own, Rodney? Maybe you want to leave something to me. No, but really, but seriously, what do you own? Like let's talk about probate and avoiding. What do you own? Well, I've already I've already I sold him my car because I was in the car accidence in last January and I had to stop driving, yeah Ruber in August. So I still drive the car, but he sold it

to him so I can drive it. But other than the house, I really own just the household goods in the house. That's it is your house paid for? No, I think it's about about now is a balance? Okay, Now here's the deal. You you shouldn't need any probate. Then you don't have a lot of money in the bank or stocks or bonds or anything. Right you can put right now, you can put payable on death

certificates on you can do payable on death certificates on those. Okay. Now another question for you, Rodney, what do you do for your health? I have been a care No, no, I'm talking about why do you sound so spry? Are you in good health? I'm in good health? Does that work every day? What do you do? I help companies return money from the government on the program where that they received five hundred and seventy three dollars per employee, and we give them a health product on top of

that. And every wait a minute, you're not talking about that, that that COVID tax credit crap, are you? No? No, no, no, it has nothing to do with that. What is the five hundred and something for you? Got my curiosity? That is that is a that is a return of It goes through the payroll taxes of the employee. Yeah, and it is a it's called it called the Champion program. And what we do is I contact companies and they are returned five hundred and seventy three

dollars per employee every year. So if they have one hundred employees, they get uh. But for what reason, though, Rodney, I don't understand why does the government return five hundred and sixty dollars per employee? Why that comes out of the payroll taxes? I I really uh don't go into the details. So are you telling me that anybody's a business with employees can do this? Anybody with employees can do this? Yes? And the name of

the program is what it's called the Champion program. Okay. And then and then on top of that, you become their champion because you're doing this. Uh. And then as a result of that, you sell them health insurance or what. No, No, no, we don't sell anything. We give them a health product, the supplemental product, and it covers a lot of things that their uh permanent insurance does maybe not pay. Or they can use this program instead of using their regular health insurance, which would raise the

previous if they use it. But then you but you are selling that supplement then right, No, we're giving that to them. There's them there's no sell to it. It's just including wait wa wha, wha whoa, whoa, whoa. Wait wait wait wait wait, what do you mean you're giving it to them? Well, we sign them up for this program free of charge. If they have a say a car dealership that has a thousand employees, they would reach about a half a million dollars every year in refund.

I can send you some information on it and you take a look. Okay, I get the refund part. Now I want to know this supplement part that you give them free? What does how do you do that? I mean, what what is the incentive for this health supplement? Whatever it is? What is it? Is it a literally just say what it is? This is free advertising for you. What is it? It's just a supplement that includes When you say a supplement, do you mean an insurance supplement like

where you put claims in. Yes, and you get money back for those claims. Well, they get money back on the on the insurance. If they have a health situation, they get it's paid for it, by the way. But if they're not paying for this program, how is it possible this supplement possible? Hey Rodney, I don't mean to stump you, bro, but you these programs, you know you're explaining and you called it the Champion Program for the money. But it's not connected to this other one,

right, they're two separate things. No, it's all included in the one program. Well, one program. But what's the health supplement called what's that called? That's that's called the Champion program. That's called the Champion program too? Yes, And what company sponsors this program? Do you don't mind talking about this? Are you right? I mean, I'm just fascinated by it. No, it's it's our company is called Tax Advocates that I work through.

And as a result of the the program that we have, as I say, if if a if a company has any more than ten employees, they qualify to join the program. And one of my associates just sold the company with twenty two thousand employees and they're receiving seventy eight million dollars in refund Oh come on for a large company. Fantastic. Because does the Champion Program have a website? Uh? I don't know if anyone's finding this fascinating,

but I am. Yeah. Well let me uh see, just like people, this is what somebody on This is what some people are feeding back right now by text and on YouTube. They're saying it sounds now I'm not telling you this, rod asked, where to you? It sounds like a scam. It sounds like there's got to be a catch. What is the catch? No, I understand, but what are we not hearing? Well? The Champion hialth is it? What it is? Is it? It's called

Champ plan? If this is what I'm finding out now when I've been searching, a self funded employers, employer sponsored plan that supplements health insurance. Right, It's designed to provide additional options for healthcare cost to employers, and they can implement it and save on FIKA taxes if they implement the Champ Plan. Employees voluntarily enroll and they contribute through a tax, a pre tax payroll deduction, and these deductions lower the employer's cost. You know what, I got

to tell you something. It's important to note that this program is not the employee Retention Credit. It's not that. No, it has nothing. Okay, Now, I'm going to tell you something. Very seldom, and I'm very serious when I say this, very seldom do I ever hear anything new ever. Now, why the hell, Rodney, why the hell haven't we heard about this before? This Champ Plan? Well, it's been around for a long time and one of the one of the people that is on it.

And we have a list of companies that are already on it, and one of them is the Pickley Wiggly Stores. And who do you sell to? I go to businesses, any any business that wants to save the money. But here's what I want to know. They say, it's a self

funded employer sponsored health supplement plan. Okay. It supplements traditional medical insurance so they can carry They not only save doing this, but they save on medical insurance because they can get plans with higher deductibles and stuff right right right, rod. And it covers preventive services for adults eighteen and nog and we have preventive services for women. Okay, I need to get someone on from your company to talk about this on my show to do that, and listen,

I'm not trying to trick them. I'm truly trying to I'm looking this up and there's nothing there. It's all. This is also called a qualified Section one twenty five plan. Have you heard it called that? Yes, it's funded by employees. They take out now employees have to up and pay for it with pre tax dollars and then the company. Because they're saving the money, they pay back the money that the employer pays employee pays whether But that's

why there is actually no out of pocket cost for anyone employee. Okay, listen, man Rodney, leave your contact information and then tell us who we can call at your company to find out more about this. No, I'm serious when I tell you this. I very seldom hear new stuff, and it does sound. It sound as scammy at first, and then all of a sudden, bingo, I hear something like this. We got more coming right up. Go with a sure thing Denver's Best roofer Excel Roofing dot com.

You don't pay a cent until you're content. Time for an insurance check up free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three all three seven to seven to one. Help. You'll think you're his only customer when you choose Frank durand the Real estate Man dot com to list your home with Remax Alliance three all three nine two zero sixteen twenty two. Hey Tom Martino, you're

troubleshooter. The more I'm reading about this plan one twenty five plan, this Champ plan, the more incredible it sounds. For I would say, you got you know, medium to large companies. The government has established us. I knew nothing about it. The government establishes it. It's kind of like

a medical savings account, but it's sponsored by the company. Employees put money away pre tax to supplement their health insurance, and then on top of that, the employer gets a credit for implementing this plan up to five hundred dollars per employee or more. No, seriously, if you have one hundred employees, think about that. Put the zero's in the right place. That's fifty grand, right, I mean, that's better, as they say, than a hot stick in the face. Also, I'm asking you to find out

why I've been banned from TikTok. I need a TikTok expert. So if you have a fourteen year old, let me know, have them call me. Anybody who's an expert on TikTok. Seriously look them up, Kachina. I want to find an expert. Let me see if I can get my daughter on okay, or or we could like get a firm that calls themselves a social media expert and some of them actually call themselves TikTok experts. And again people have asked me, and I've said it before, but I'll say

it again because I'm getting the inquiries on my texting. You can text, I should give that number one. You can text five seven seven three nine. By the way, five seven seven thirty nine. That is our text, okay. And anyway, they've asked me to tell them about the videos. I'll do that coming up. There were specific videos that I did for TikTok O. Well no, no, not just for TikTok. I did them on other platforms, never had a problem. But on TikTok boom Band.

I don't understand it, folks. I don't know which one triggered it, but that's what happened to me. So can someone tell me why? Anyway? Meanwhile, your calls three oh three seven one three talk three oh three seven one three eight two five five. If you need help information referrals, give me a call. We have more coming up, and I want to tell you about frankaranderealestate man dot com, who does free market valuations of your home and in this market, that's what you need. It is absolutely

no gimmick. He will give you a complete analysis of your home, what it will sell for, what you will clear, and what you can buy, all free of charge. Three oh three nine two zero sixteen twenty two. Francd around the real estate Man dot com. Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're

content. Time for an insurance check up free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three oh three seven to seven to one. Help. You'll think you're his only customer when you choose for durand the real Estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. Hey Tom Martino here three three seven to one to three talks seven

one three eight five. I'm getting a lot of feedback about the TikTok. I got some texts. I got an email from Deputy Chopper. Okay, first Deputy Chopper, what are you kidding me? I did not I'm not underage. There could be an overage. Who knows what? Anyway? Impersonating another person. No showing real world violence or torture. I hadn't planned on doing that right now. I was gonna wait and then sharing inappropriate content that promotes bullying, drugs, alcohol, nudity. Well, I did do my

post naked. I forgot to tell you guys that I was naked sitting on the desk, but I had my legs crossed, so that could be the reason. Violent or graphic. Of course it wasn't spam. I don't know misinformation. You know you could disagree with me on stuff network marketing. No having kids in your content? What are you kidding me? I see people with their kids and their content every single day. What the hell you have to tell them? What I told you? Hayley told me to tell you

shut up. So she gets Katschina calorie, She gets her daughter on as an or talks to her daughter off the air as an expert, and the daughter says, first of all that one of the reasons could be that the accounts set idle for so long and then all of a sudden I started posting, so it was suspended. Now you would think once I start posting it, I would think, good, he started using it. But that could be suspicious. The next thing that was suspicious or not suspicious, but she

had the expert, had to say. The TikTok expert Katschina Calorie's daughter, so I'll call her Kachina light. She said, I'm too old for TikTok and she'd go to reels on Instagram. Well, thank her for her expertise. Now, I I do agree, by the way, that I think it's stupid when you go on TikTok and see these old farts trying to dance and sing like the youngins. You know, I mean, come on, I mean truly, you have to know when to fold them right. You

gotta know it. Hold on, hold on, that's not exactly what she said. She said I'm too old. No, she did not. She said, at his age, it would probably be more apt to use reels on Instagram. Well, okay, then interpret that for me, dragon, Dragon? Would you interpret that for me? Your old ass needs to use a simpler program. It's not the program she meant. She meant the audience right, did both good? The Instagram is atle bit easier. You don't

think I'm technical. You don't think I'm technological? What are you kidding me? Come on, push buttons. Here's the other thing. Here's the other thing. I just want to say that I do agree that TikTok, but I don't go on there and dance and sing and do that crap. I went on there and gave consumer information. I thought, hey, that's pretty credible if people want to learn something. But maybe it's not the form for me. Maybe I should just give it up. I don't know. I

want an opinion. I'm Tom Martinez. We have more coming up. Get your calls in okay, three oh three seven to one three talk Go with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're contenth Please time for an insurance check up free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three oh three seven to seven to one help.

You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. Yeah, real dum, What hadn't you didn't need advice? So you don't have the come running just as as as we can. Shooter's gonna help come man Dix is the Troubleshooter Show. No Tom Martino.

Hey, I'm Tom Martino. Welcome to the show. Let's talk three all three seven one three talk three all three seven one three eight two five five. So a few things we've been discussing today, and one was the section one twenty five plan that a caller brought up. When I asked, it's for the hell of it, what do you do for a living? He says, I sell these plans to companies and or I get them signed up. And apparently these companies have no clue they can save money on this and

do do supplements for health insurance and all that crap. Anyway, so hey, by the way, Kaschina, is this okay? Kyle's different than I'm sorry, Kyle's different than Rodny. Rodney's the one that called about this. He's eighty five years old. He said, Y, I work, I still work. And he had called originally about signing his house over to his kid to avoid probate, and I told him bad idea, to a beneficiary deed instead. So you get the stepped up basis on your house and if

guys ever need add accurate information, please call me on it. There's so much misinformation on inheritance and on a state law. But anyway, let's talk about this. Then he talked about this plan. I'm trying to get some experts on about it. But look it up. It's not a scam Section one twenty five plan. You literally can have a plan for your company where your employees put money into a tax saving like a health savings account. It's not an FSA. Okay, just keep that in mind. It's not an

FSA. It is truly something different, and then you get credit when your employees go on it as well, so there's no out of pocket expense. I mean, it's just incredible to me. It's really incredible to me, and we're going to try to find out more about that. I don't know if John Jones knows about it at Integer Insurance, but they bill it as John Jones Seniors on Good Things, Good China. So John Jones, uh,

do you know about a Section one twenty five plan? They bill it as a supplement to health insurance self funded by employees with pre tax money. Do you know about it? Tom, when the Affordable Care Act was passed, I know there were ways, and there was through a Section one twenty five, and the state took a very dim view of it back then, where they were trying to sell non qualified health insurance plans to employee groups in the state at one time, and the outlaw these you know, these particular

type of plans. Well, I don't know how you outlaw them. They're a federal government plan, understand, But I mean, how does the state say we don't want the federal government to offer place. It's like outlawing a four oh one K understand, But the state did not warrant because of the Affordable Care Act. They took a very dim view of it. So I have cared about them. What's happened to them? No, I haven't heard anything about them in the last five or six years. Probably okay, because

they're not billing it as a substitute for health insurance. Understand They're billing it as a supplement to health insurance. Yeah, for high deductibles and all that. But it sounds to me a lot like an FSA. But it's not. That's correct, but I mean it's completely different. I don't know, Man, I'm fascinated by it, but in any case, I don't know as much as you do. Have you ever have you ever heard of people

doing it? No? I mean there was a group out of Utah that we had taken a look at once again, this was six seven years ago, and they referred to it as a Section one five to allow us to get around the exemptions of the state to go out here. Here's what it says. Here's what it says. Under the law, employees can choose from a variety of benefits to pay for these benefits on a pre tax basis.

This includes health insurance premiums, qualified out of pocket medical expenses, and even daycare, and it's paid for it from the Section one twenty five plan. It is not the same as an f say by the way, I'm adding those words. Here's what it says. In fasay is a specific type of an account that falls under the umbrella of a Section one twenty five. It is another kind of one twenty five where you contribute pre tax dollars and eligible

for healthcare expenses like cope's deductibles, prescriptions, dental care. What I don't understand is this employee employer credit for each employee that signs up. The federal government gives them an incredible credit for each employee I mean like five hundred dollars each. Yeah, that's what I heard when you were telling I've never heard of that. Yeah. Okay, well, thank you. We didn't get

you on just for that. We also have another one. Kyle had called in yesterday, and basically what I want to ask you is this, Well, since since all plan bes is that what they're called for drugs? John, are you asking me? Are you're asking cal when you say I'm asking you John? A plan? Is that what they call these? I mean you're you have a you have a code pay, you have covered expenses, whether it be formulary or non formulary, depending on the plan you have.

Okay, but D is a drug plan. Okay, that's that's like you have any Medicare Part D plan, right, because you're on original Medicare. I get it. I get it, And that part deep and pays for certain drugs and certain copays and certain things a certain right, So that plan D. Are they all the same, John? Or can you get a D that white pay one hundred percent for one drug and not pay for another Okay, to give you an example real quick, Tom, because particularly drug

that Kyle was talking about yesterday. I'm not talking about Kyle right now, as I always like to do first, and then we'll go to Kyle. I just want to talk in generalities. Are all Plan d's the same or can you literally shop for ones that cover different things? You can shop for ones that cover different things to an open enrollment. But why wouldn't all d's cover the same approved drugs? I mean, I don't understand that part of it. Why is it just that they don't want to pay for certain things?

Every depending on the tier, has to have at least two drugs covered by Medicare. So in his case he has well going back with down talking about Kyle, No, we can talk about him in a minute here. I just wanted to know in general, not all d's, even though they all play by the same Medicare rules, they different d's will cover different things.

Correct, Okay, Now in his particular case, Kyle and anyone on Medicare advantage, do they also require a Plan D or is that built in most of the plans where I have Medicare D plans are rebuilt in Okay, and in his case, he has Medicare advantage and he switched from United to Umana and he says under the new plan, his his inhaler is only partially covered and he has to make a copay and he's upset because he said United used to cover it one and he said both companies aren't they supposed to do

exactly the same? Go ahead? No, No, because what Human has done is they've taken that particular drug and they've now raised as a Tier three. So that's why his copay is higher. But why is it? John? A quick question, and this is what some textures have asked me the same thing. Why would one company call it one tier and another company call it another tier? Isn't it Medicare itself that decides the tiers? No?

Okay, a company can sidne what tier they want to put in. They can change that tier at anytime in the in a calendar year, so you can start off maybe tier two, and am I go up to tier three? Can they decide not to cover it at all? No? If it's a formulary style drug, then they would have to appeal that through Medicare. For whatever reason they decided not to cover that particular drug. So, Kyle Medical, what do you have a question for? John Jones? He's quite

well versed in this stuff, man, he's really good. I sent John all my information, right, So what is your question though, because John, you don't see anything inappropriate going on? No. The only thing and what I told Kyle when I spoke with you yesterday, and he's doing everything right. He's trying to get an exemption, and he's contacted Humana and he's

trying to get an exemption. And his doctor, now I guess, has got whatever forms he needs to fill out to say if they can bring that back to a tier two because I think Kyle told me they had now raged a tier three. Now why would a company? Why would a company? And if they did it for Kyle, would they have to do it for everyone? Sure? Well, why would they do that? I mean it seems to me they're saving money by making him make a copay. Why would

they change that? See if that cope is gone tremendously out from what Kyle told me versus what he was paying with you United, right, Well, what I'm saying, That's what I'm asking you though, What incentive would an insurance company have to grant an exemption. Then I don't know. I mean, he's got that white just like he's got the right to go with mine, get it. But what I'm telling him is he's wasting his time. They're not going to change. I've never heard an insurance company under an appeal

change their mind ever. I never maybe you have, John, I've never heard of it before. Well, to give you an example real quick too, Tom, because the exact same drug that Kyle was taken, they had to get on it. My wife. Oh and when she filled out that drug cost over at King Supers, it was fifty seven dollars. Okay,

Yeah, Then she came back. She didn't have time to check, but she came back and looked at it through other preferred pharmacies that we have on our plan, and she could get that drug for as low as twenty one dollars through another pharmacy at another store. So in Kyle's case, Kyle, and correct me if I'm wrong. Kyle, you want to do a mail order and that's where they've charged you the higher price. You mean he could

go to a drug store and save money a pharmacy. No, Now that he's going to have to call and key Mantle on that and see if there's any of the carriers any other pharmacies under his medicare advantaged plans where he could became old maybe selling money on that drug. All right, now hold on us. So Kyle, who you know? I would continue to work with John Jones. He's wonderful an integer insurance. But John, I need to take this break. But I want to hold you over to ask you a

question. Plus we have Davon who wants to add to this comment or talk about also the other guy, Rodney, who was selling this section one twenty five plans. So hang on, I'm Tom Martino three oho three seven one three talk three oh three seven one three eight two five five. Waterpros dot net the best water systems, the lowest prices. You will love them. Don't buy these other conditioners and softeners that don't work for fifteen thousand dollars from

a lot of plumbing contractors. Water Pros has them for about three grand. Waterpros dot net. Go with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're contenth time for an insurance check up, free no obligation. Comparison call Compass Insurance paying too much your coverage at dozens of insurance companies. Find out now three oh three seven to seven

to one help. You'll think you're his only customer when you choose Frank durand the real estate man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino, your troubleshooter three oh three seven one three talks seven one three eight two five to five. Dave has a comment on the section one twenty five plan that we've been talking about as well as health insurance and UH anyway, Dave, go ahead.

We were discussing this plan that was first brought up by a caller about UH pre tax money being put away to supplement health costs and how employers can get credits for it. Go ahead, Dave, Yeah, So Tom, I hope you're doing well. So I'm involved in a plan. I'm not sure if it's the same one of the other guy's dealing with. But our plan is a wellness plan, and so employers can install this at a zero net cost to the employer. The employees receive a forty point award winning wellness program

that covers physical, mental, financial, and family health. Does it replace health insurance or is it a supplement? No? No, no, it's one of the requirements is they have to have a group health plan in place. Okay, so, and we're not looking to replace that. But the wellness program. Part of the financial benefits is the employees received at a zero net cost to them a permanent, guaranteed issue life insurance policy with cash value

and living benefits. But how do they get this that net zero can cost? Okay, So the benefits are paid for through payroll by the employees and it's it comes from FIGHTA savings. So that's where the employer is saving on average five hundred and it can go up to as much as one thousand dollars. Why is there a fight credit Why because it combines a couple of things. The section one twenty five, the section one oh five and the section

two thirteen D and those are IRS codes. Now, the last Gentleman was talking about these being out several years and the states were frowning them. It was actually the IRS that was frowning upon them. And so what happened was these companies were out there hawking these wellness programs and they were matching them with indemnity type of health plans, and the IRS was saying, look, you're

double dipping here with the indemnity program. You know, if you go to the doctor, let's say, and don't use the entire amount of that indemnity benefit, the employees would receive the difference in the payout of the benefit versus what was charged. And they weren't paying taxes on it. So the IRS had frowned upon it. Now there's non compliant programs that the IRS came after,

and then there's compliant programs, which this is. So what it kind of combines an HR So the employer can reimburse the cost of that of this of this benefit. So the employees their net pay prior to installation of the program does not change after the program is installed, so their net pay does not change. But if so, it's okay theoretically the theoretically the employee is paying for it out of their paycheck, but they're getting reimbursed. Absolutely,

Yeah, who reimburses them. The employer reimburses them to the degree that whatever is being charged. So and does the employer make money as well? They save money and and and yes, they make money. Because it's a bottom line savings, okay, and it's a safe So when I if I show that I have one hundred employees, let's say, on this plan, I pay so much less for my FIKA exactly. Yes. And is that the government's way of incentivizing this, Yes, it's it came out as part of

the ACA plan. And and but why don't others? Why don't all corporations take advantage of this? A lot of them don't know about it. Now here's another question I have. Do you have to have a certain participation level? Do all employees have to agree to it? In other words, if I had one hundred employees and only one or two of them used it,

would I still get incentives on those employees. Yes, you would. However, in most companies now with their health insurance plans, there is a wellness program in many of these group health and insurance plans, but it's costing the

employer something, okay. And with our wellness program and also the participation level, would the employees that you just mentioned with a typical wellness program offered through their health insurance, we're seeing that participation is like twenty percent of the company with our plan we're seeing over a ninety percent participation rate. Why is yours different? Because of the benefits that are involved. You think about a lot

of these companies and just look around your station. You know, there's some people out there that may have medical issues that they cannot get a life insurance policy. Now within work benefits, there's typically a term life insurance policy that's offered through the company, but when they leave the company, that term policy ends with this program, that permanent life insurance can go with the employer. And when you say, when you say this program, what is this?

It's called the Oasis three sixty Wellness program, So so basically it's not part of the Champ. So you guys all give your own names to these programs, right, yes, I would think so, yes, there are. In other words, in other words, that's what i' that's what I'm finding. I'm finding these companies are taking these plans, this one twenty five plan, and they're putting their own spin on it. You're putting Oasis on it, and the Champ those people whoever they are, they put the Champ name

on it. It's actually a section one twenty five plan. And you guys have figured out a way, And I'm not saying this in a negative way to capitalize on it exactly and doing it in a compliance way. No, I get it. I get it. So let me ask you straight up, then, does a company like yours compete with a company like Integra Insurance? You? Actually, they would be. They would be a great partner for somebody like me. Okay, it would be a fantastic partner for somebody.

So what you're looking So you're saying any company that offers a health insurance plan would lose nothing by offering this as well. Yeah, there's no downside to it because it doesn't cost it doesn't cost the employer any money to install the program and the employee. They're just adding benefits. And they're adding some benefits that can help with hiring and retaining employees, which is such a critical Uh No, No, I get it. So yours the guy that called

before, the older guy. He worked for Champ, You work for Oasis. How many other companies are out there peddling this? I don't have an answer to that, Tom. I got involved with this several months ago with well, Dave, Dave, are you the Dave? Are you the Dave? I've talked to in the past. Yes, I am, yeah, the pilot. Dave. No, I'm not a pilot. No, okay, then I'm confusing your voice. Never mind, I mean, I mean that's okay. So what have we talked about in the past. We've talked

about tax mitigation, right right? Leave leave your contact information with me, Dave. Thank you very much. I want to go back to John Jones. I let me ask you Dragon, I need to take this break, right Is this the thirty break coming up? Oh? Kay, let me do this John, hang on, we got more and leave your contact information Dave for Kachina to get that to me. I appreciate it, and then

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now three oh three seven seven to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. I'm I'm just going to say this right now. If Trump asked me to be his running mate, I will not do it, not because of him, but because I just don't want to be anybody's running me. All right? Would you make a note of that dragon, So yeah, I'll write that

down. If the requests come in, would you like, you know, just tell them tongue will not be John Jones, Trump Senior with a Tiger Insurance group. God, I've known them for years. They do health insurance. John, you heard Dave. Now I'm getting the gist of this thing. Now I'm getting the gist of this The five twenty excuse me, the

one twenty five plan is part of the government plan. By the way, an FSSAY is part of that, but they moved away from fssays and they're doing more of these integrated wellness programs and they give it a brand name, they give it a label, and they go and sell it to companies. But from everything I see it is it is not a scam and it can help. I mean, it can't hurt, and it doesn't substitute health insurance. After what you've heard, John, did you feel a little differently about

it or what. I'm not trying to get you to endorse it. I'm just asking your honest to god opinion. Now, I think it sounds perfectly honest with what he explained. And how's he explaining. There's just a supplement. And I heard you ask does this hurt the integer group? No, it doesn't hurts one bit. You can't. It's not a substitute for health insurance. No, now, and that's what he said. You still have to have a group health plan in order to get this particular type of plan.

And really that is what I wanted to know as far as that goes. So, John, another thing you sent me an email, and by the way, you do have permission to talk about this because it doesn't affect just me, I imagine. But you said that basically things are changing when it comes to supplements. Is that right what I said to you, Tom, You and I being on original medicare. Yes, we can shop our plans anytime during the year. We're not. You means the supplement plans we

can shop. Yeah, we're not limited to like the open enrollment between October fifteenth and December seventh. Yeah. So in your case when we took a look, because I told you I would take a look. Yeah, in your particular case, you know, with your surgeries you've had, they're all done now, so you'd have to go through underwriting. But there's a good chance that we could get you through underwriting in order to lower the premium on your plan that you now, This is why I'm asking about it, not

just for me, for those listening. If they ever want to shop a supplement and they have to go through underwriting, the burning question is this, what if they get turned down? Will they then be unable to go back to what they had? No, we'd always tell them, don't you dare drop that plan until we know you've been approved, and are the supplements that you shop relatively the same. In other words, are all we talked about D plans being different? Can g's or supplement plans be different. No,

they're all standardized from carrier to carrier. If they're standardized, my question to you is why would one be so more expensive than the other. It's up to the insurance company. It depends because all the insurance companies, their box of business are based on ZIP codes like eight hundred eight oh one eighth two

eighto. So okay, what you're saying is this, if you can get a Plan G for one hundred and fifty bucks a month, or you get a Plan G for one hundred and eighty nine bucks a month, they're both going to be the same. Take the cheaper one. As long as that carrier has a good reputation, they have a good block built up in order to shield that person from potential rate increases. Okay, okay, so you know we're in an attained age right to state, Tom, so I can't

help that part your rates. Your rate's going to go up every year because you're getting older. Well, everyone does, right, Everyone who gets older has higher rates. Yes, so they also depending on the claims that are fouled in your particular block or in that particular area that you're in. Could they adjust for claim Sure, they could adjust for claims also on top of

your attained age, right increase. So my, if I did an application, or anyone listening does a new application for a new supplement in an effort to shave some money off the monthly payment. If they do that and they're turned down, they still don't they as long as they don't cancel their previous one. Their previous one has to stay in effect. Correct, and does the new company look at the applicant and say, wait a minute, this

guy has a ton of claims and rate him differently or heard differently. They can be right us depending on the carrier. Yes, so the premium that's quoted for a particular company does not necessarily apply until you actually get approved. That is correct, And that premium could be higher in the long run. So what looks to be a savings could end up being the same. That's correct. But obviously we'd be in contact with our clients to make sure they

know that. Okay, if there's a potential write up here due to a pre existing condition. Now I'm going to tell you something I believe that everyone listening can benefit from the idea that they don't have to wait for open enrollment. That right there is good information. John and Tiger Insurance Group, Thank you very much. Three zero three. Hey, Yeah, did you have some Oh? I thought you had something else thembro on Thank you John,

three oh three seven one. I've heard their number. Three oh three four six six fifty five hundred. We have more coming right up. Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're contenth time for an insurance check up free no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find out now

three oh three seven seven one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino here, three oh three seven one three talk wrapping up another hour. We have another hour to go. I want you to get your calls in at three o three seven one three talk three oh three seven one three eight,

two five five. Have you noticed our obsession with old rock bands and rock stars? On YouTube? They're asking if we're gonna go see Steve Miller. I wouldn't walk across the street to Steve Ceve Miller to see him. Now, these guys are not that old. But I wouldn't walk across the street to see Dave Miller band or hooting in the Blowfish. I couldn't be more bored now. The Stones, yeah, even though they're ancient, they look and balmbed. I'd go see him for sure. And then newer bands.

Why is it that we're obsessed with old rockers? I mean some of them as to God, you know, you got to give him credit because I thought they were dead years ago and they're still alive. So in any case, what good concerts are coming this year that you would go to? What about so Dave says bare naked ladies? Okay? And then what would you like? Who'd you like to see? Dragon? I got burned out on

concerts. My first position here in the building for over a year and a half was the working promotion, so I did like three or four concerts a week. So I've I've been so burned out on all of them. I'm I'd just rather not this day. Yeah, you know what, I love music. I love music. You can listen to it without going to a concert, but there is something electrifying about a good concert. You know, my kids are obsessed with twenty one Pilots and I just don't get it.

Okay, you got two people on stage with electronic music. The drummer's pretty incredible. He's pretty good. I mean, uh, you know who? I loved seeing Blink one. God did they put on a good show. I always thought weird Al would be pretty fun to go too, too, because he's got he crosses so many different genres and he's just having a good old time. I'll tell you someone that if I went to see I may be close to Sue Side. Who's the guy that sings Short People? Randy

Newman? Oh my god, I could not think of anyone I would less rather see than Randy Newman. Do you like him? I like Short People? That's his voice a song. Oh God, everything about him makes me sick. But on the other hand, weird Al, I would never go see him. Would you actually take you? Yeah? It's a parody of the most popular songs. I like the parodies. I just wouldn't go. I wouldn't go see him. And from what I'm told, he there's a

ton of costume changes. It's a whole performance and everything. Really, Paul McCartney, he just stands there for you know, ninety minutes. I saw Paul McCartney. He was great. You know what shocks me is on most concerts I've seen McCartney, he always started with the Beatles song, which is weird. I mean, I guess why not, Well, I know, but I mean, yeah, I liked it, But he has so many other things. Sting was good. Uh, the Eagles were great. Oh

man, they were great. Anyway, who's coming here this year? We got more coming up. Give me a call three oh three seven one, three eight, two, five to five. Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're contenth Please time for an insurance check up free, no obligation in comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies. Find out

now three oh three, seven to seven to one. Help. You'll think you're his only customer when you choose Frank durand the real estate man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two ripped dum news. Need advice so you don't happen. You come running. It's just as fast as you can. Shooter's gonna help come MANX is the Troubleshooter Show. Now, Tom Martino, Hey, Tom Martino here,

Welcome to the show. Three oh three seven one three talks seven one three eight two five five in our final hour. You can give us a call if you want to talk. Three oh three seven one three talk, or you can call three oh three Martino three O three six two seven eight four sixty six. What's happening in your life? There's a lot going on that I'd love to tell you about. First, nobody knows why I got banned from TikTok, but I think that Kachina Colori's daughter, self professed TikTok expert,

thought it's because my account was so inactive for so many years. Then all of a sudden, I started posting. I posted three videos and then I was banned. Well say banded. I can't even log on, it said, suspended. So I opened a new account and now I'm going to try it again see what happens. But I don't know why they would be my videos. I don't think we're controversial enough, not compared to the crap that's on there. Have you heard of the AI? Not chat bot,

but the AI? You ready for this dragon? Listen to this one, Kachina The AI death Calculator. Ooh that sounds fun. Oh my god, it's true. What they do is they have you answer a series of questions like, for example, thanks, like like how often do you consume alcohol, do you smoke? When did you start? How often? Blood pressure medications? Age? Of course, how many times you work out? Based on the information you provide, it says this, the death Calculator predicts your

expiration date will be September one, nineteen or twenty eighty two. However, it's important to remember that this is just a projection. You may die suddenly and sooner. Anyway, here's what they're saying. Some of the people that put stuff in here so far, or people have put it in about their older relatives. It's been eerie how accurate it is. The AI Death Calculator. Go download it and by the way, guess where it's talked about,

yeah, and they're not getting banned TikTok. But here it's called you want to know what, it's called life two vec vec Whatever the hell that would that even mean? Life to vec? Anyway, this is the warning about it. Some people looked into this app and said that it's getting all kinds of people who are dying of curiosity, right, dying from curiosity. So they're downloading it and they're using it. But what do you think, give me a guess. What do you think the real reason behind this is m

it's an information stealer. You are thinking, well, this is fun. I just want to see this death calculator. But what happens is it's spying on you, and it starts asking those generalized questions and then they get more specific and they say it's one of the biggest scams, phishing scams, but people or schemes or whatever. But people are not hipped to it because they think, oh, I'm just going to find out when I'm going to die. I think this is fun, this is interesting, when really what's happening

is they're stealing information. But these questions are insidious. At first, they start out with just general questions about health and then get more specific even about medications and stuff. Now for the first time ever, and this one shocked me. And I want to ask what do you think the reason is? Is Kachina on the phone? Because I want to ask her? Now I'm here, what's up? I want to ask you. I want to ask you what do you think The reason for this is? McDonald's has posted the

first ever miss of earnings. Their earnings are not up anymore. For the first time, they make you know what profit? You know what earnings are? Right? They announced their earnings. First, they announced what they expect to earn. Then they announced if they missed the earnings or did better than the earnings. With this economy for the last few years, we've been having people or companies that pretty much increase year after year except fast food Right now,

what do you think the main reason is? Come on supply and demand, no cost of labor wages here, wages have gotten so out of hand. They say that fast service foods, what a lot of people just called fast foods are going to not only miss their quarterly profit estimates, but may very well start to see a decline. Right, And didn't they just announce that they were going to introduce a new big Burger or something. Dragon didn't mention something like that. What they have to do, And I think here's

what they're trying to do. They're trying to give a perception of value because of the money they have to spend. But I think the days are going about that. That what a happy meal? What are you kidding me? It's a retirement meal for those working there. Now. You know, minimum wage to begin with, and I'm serious about this, minimum wage was never

meant to be a career. It was meant to be exactly what it was meant to be get people into the workforce, give them a chance to work, to learn, to feel it, to go to school, to do whatever, and then move on. It was never meant to support a family, never meant to, Honest to god, it was never meant to. Not in the beginning. That's why they called it a minimum wage. It was more or less like an apprenticeship or learning or even a paid internship.

Yeah. I know nowadays people, uh, what the new move to equalize outcomes? Now everything should just stay in a family and everything should be be okay. So it wasn't meant to be in the beginning. But now what you see lawmakers doing is justifying them minimum wage by saying, well, you can't support a family of four with this, Well, of course you can, because it wasn't meant to be that way. It was meant for people entering into the workforce, so there wasn't too much burden on business, nor

was there too much burden on other employees. So you would start out and then move up and move out. Sure, there are some people that come back to work and have to take a minimum wage, but in our new thought, new think of nowadays, our new think is everything should be equal. Everyone should be able to support a family, Everyone should be able to retire the same. Everyone should be able to do this, everyone should be able to afford that. And it just doesn't work that way. It's it

was never meant to be that way. Ever, there are simply different outcomes. That's what there is. As long as there's equal opportunity, we should not be bothered with trying to make equal outcomes. That's up to each and every person. And that's the difference between equality and equity. There's a big difference. Equality should be guaranteed. Equity is never guaranteed. Isn't it isn't

that logical? I mean, wouldn't you think that's logical? Anyway? We have more coming up three oh three seven one three talk, don't forget three oh three Martino. You can call twenty four to seven three O three sixty seven go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance checkup free,

no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three oh three seven seven one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. Hey, I'm Tom Martino. Three O three seven one three talk seven one three eight two five five. JK, what's going on

with you? What's happening? JK? You there? Yeah? Can you hear me? Yes? Sir? Now I can. What's going on? Man? Oh? Great? Uh? I'll try to make this as as quick and legible as possible. It kind of goes off with your the AI death calculator that you said is you know, it's a tool to basically fish for him. So I'm kind of experiencing something something similar with what I'm going

on, And I'll just start off. I have a a condition. It's called a factor five and it is it's basically your your blood will just overcloth. You know, there's pills and stuff that take care of it, but they classify that as an autoimmune disorder diseases you want to call it. And so my insurance company, I believe they've sold my info because now my company that I work for is trying to get me to sign up for these autoimmune classes, lectures, seminars. You know that I wish I had the info

in front of me. Maybe I can provide at a later time. But I wait a minute, JK. There's certain things covered by HIPPA, as you know. But what I don't understand completely is it you're inmplawyer doing this or the health carrier for your employer right now. If there was a health

carrier by themselves, that's one thing. But the health carrier has gone to my company because the emails are directly from my company, which my company shouldn't know anything about my health records, I guess in my opinion, But for somehow it seems like that they found some bridge or a loophole where they're allowed

to kind of get in there. Basically, I think this thing is trying to phish for me to sign up for this stuff, so later down the line, if I need to get insurance down the road, they can use that as a factor to cancel me out. Maybe I'm over JK. That's not the reason. Because there's an insurance database already about you. They are allowed and do share medical information each and every day, and that's just part

of the system when it comes to health insurance. Now, listen, it's not necessarily they should not necessarily I mean share it with anyone else, but insurance underwriters share that all the time. Once you start disclosing this information, it's out there, not to your employer, but it should be out there

too. For example, if you had an addiction problem and it's part of your it's part of your questionnaire, and you went to rehab blah blah blah, all of that and health insurance covered it, there's going to be a record of that, and you're going to be and you give a waiver every single time you apply to health insurance that this database you they share with a database, and they get from a database and you agree to it. Okay, Now they can't give that to your employer. So it's a really delicate

or not delicate, but it's a really fine line meaning JK. Say, they could, for example, without knowing why they're doing it, the health insurance company could give general demographic information that you should go that we're going to have alcohol and substance abuse classes, or we're going to have how to cope with stress classes. If, however, they only offer you a specific class

based on something they found out about you, that would be wrong. So do you know what the circumstances are where you're really being hit up for this stuff? Do you know you mean circumstances as to has how your employer? Is it your employer offering you this or is it the health carrier through your employer? It's the health carrier has given the info to my employer. How do you know that employers? Baby, Well, there's because there's that's the

only way they could know that. They're no other way they would have to they would have to get this information from my medical provider in order to solicit me directly. Well, here, I have another question, basically, al JK. To clarify this. I have another question. How did the how did the offer come to you to go to these autoimmune classes? How did it come to you via a company email? Okay, but hold on, hold on? Was it a company email specifically to you? But yeah?

And what did it say? That's why I can pull it up if you have time. But yep, I want you to pull it up, and I'll tell you why, Okay, because I want to know how it's worded, because there is general information that they are allowed to share, and I want to know if they were cagey they say it's come to our attention, blah blah blah, please sign up for this or that. Deputy doc, as far as I know, is oh, he's not in the studio. That's why he's at home. Maybe he can text me or send me a

message. But I want to know if health insurance is shared with employers. In fact, we may want to get Integra back on too. Kachina, It's worth it because this is pretty serious. If employers start making employees attend classes or do some proactive stance based on their health conditions. In fact, I'd love to ask them about that three oh three seven one three talk seven one three eight two five five, because to me, that would be improper.

So let's get let's get Integra back on, and then let's also talk. Let's see who else would we talk to? Basically that would be it. I want to know what they think about this, and then I want to see I want you to read that email. Did you get it? JK? I do? Yeah. If I read it to me, read it exactly the way I came. Okay, it says did you know that? As a insert the blank. Employee, your spouse and or dependence over

the age of eighteen can also sign up for BLANK program for free. Blank program uses nutrition and lifestyle coaching to help them reduce uncomfortable systems like fatigue, joint pain, and bloating. Whether they've been diagnosed with an autoimmune condition or not. Simply forward them this email so they can use the link below. Then it has to get started link and then it has you know, here's

our services. What you can look forward to. Advanced testing and diagnostic, expert led personalized care, you know, telehealth, dedicated personal character that's all provided by your employer, right, Well, that's yeah. I guess this is the program that you're trying to solicit me for, and you know, and I want to believe it that it has its best intentions. But I believe if you know. But here's what I want to know. I want to know if that went out to everyone, because if it did, then

you don't have a leg to stand on exactly. That's that was my next topic. And because of HIPPA, I'm not allowed to really ask anybody else. That's kind of that's a no, no, no, no, that's not true at all. You can that's not true at all, JK. According to HIPPA, you can ask anything you want of anyone and they can choose whether to share it with you. But you don't tell me. You can't ask. You could say to another employee, did you get this email?

Ah, that's not a violation of HIPPA. You're asking did you get this email? Right? And if they did, but if you are the only one, then I would have a serious question about HIPO violations. I really would. But I'd like to, like I said, I'd like to get Integra on. Let's see if we can get them on during the break three O three seven one three A two five five, because if that's the case, they might know about what an employer can do or cannot do.

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Time for an insurance check up. No obligation in comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three all three seven seven to one help. You'll think you're his only customer when you choose Frank durand the Real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino, your troubleshooter. From what I'm reading here we couldn't get our expert on for health

insurance. But from what I'm reading, JK, they they can't. They can't share your health information with your employer. Now here's the real rub when it comes to HIPPA. What do you think I'm gonna say? Let's you know, I always like to go to worst case scenario. Remember, for argument's sake, let's go to worst case scenario. Let's say that your health insurance company did shair that with your employer. By the way, you have

an employee that has an autoimmune disease. Here's his name. Maybe you want to suggest some proactive care to reduce your premiums. I don't know, I'm just making that up. But let's say that happened. Okay, now what now what? In other words, you don't get anything and nobody gets anything, nothing, nothing. See, we have so many laws that are there to protect us. But then the question is, okay, now what what are the palm I get exactly what you're saying. Yeah, but where where

is the boundary line? Where does it start to become intrusive? You know I pulled up Since since with the break, I've actually pulled up three other emails and they hit me like three in a row on one day. And you know, I mean, like I said, I want to keep mine. Have you been sick a lot? No? I haven't, not at all. No, I'm fine. Like I said, it's very mild. It's uh, you know, there's proactive medication. I'm taking for it.

It's it's good. But somehow, somewhere, ever since then, this that my medical provider has leaked this information out to my company, so my company can solicit me for this program that they run for whatever reasons. And you know, if they're for my best interests okay, but I tend to think it's not for my best interest. I tend to think it's for their best interest. Well, it doesn't matter if it's See, the hippolaws don't address

whether you had a good reason to share the information. It doesn't address that. Now, one healthcare person to another could share the information if they had concerns about your health and safety. Right see for example, if you displayed if you displayed information to a doctor, he can consult an their doctor. Now they may not want to use your name and all of that. That gets a little iffy. But here's the bottom line. There are civil penalties,

but they don't go to you. They're just civil penalties per violation, and they range anywhere from a low to around I don't know why this number a low to around one hundred this is what it says, one hundred and thirty seven dollars to a high depending on the violation of two million, sixty seven thousand, eight hundred and thirteen dollars. So they they gave that some thought. I mean, there are some very specific tiers here for violations.

I appreciate it. Here in phone, I'm going to take this to the to a next level. My question to you is what type of attorney would That's a good question. And well, first of all, you see no attorney, no attorney, And I'll tell you why, because you're not damaged. Do you understand these civil penalties don't go to you. So, in other words, why would you hire an attorney? Tell me why damage is

done? What damages? What? What? Now? Listen, hold on if you were fired because of it, sure, but you don't have damages right now, Jake's That's the point I'm trying to make. And by the way, I don't mean to drag out your discussion. Policy's Okay, Now, if you're not hold on. See now you're mixing up apples and oranges. If you're turned down for an insurance policy, that is not a hip of violation. They are allowed to share your information with other insurance companies and

other healthcare providers. They're not allowed to share it to people who don't have any business in the business. Okay, but I see, and this is what I think this company, this I guess. But JK, just get what I'm saying. What are your damages? You said I can't get health insurance. That's not damage because you're damaged by the fact that they all talk to each other and you agree to it every time you apply. So that's not a damage. If you got fired, that would be a damage.

I can think of no other damages that would be apropos that would be not appropriate, that would be connected to the violation of HIPPA other than getting fired or being ostracized. You know where hippa originated, right, Not really, It originated with the AIDS crisis because people were being fired, people were being let go, people were being discriminated against. In the old days, there was no HIPPA, I mean, out of common sense, A lot of

doctors wouldn't share information. But it wasn't until AIDS. It wasn't until AIDS that they stepped up the enforcement so people would not be discriminated against. So in those days, if somebody got fired and they suspected it was because someone told someone about the AIDS, then you could sue the hell out of them. But that's not the case with you. Again, this disease doesn't carry a stigma that would give you that kind of damage. You don't have a

damage, so no attorney's going to handle it. To answer your question, however, there is a department you can call so department, and it's a federal government health and Human Services, And I'll even give you the number, and you can file a complaint there. But again that complaint may or may not result in a civil penalty, but not an award to you. That's the important part of this. I want you to take away if I want you to take away. I don't know why this echo is coming in on

a jagon, but anyway he might be on bluetooth. Here's the number eight hundred three six eight ten nineteen. Eight hundred three six eight ten nineteen, So that is for filing a complaint against the health insurance company for hippa, not your company, but the health insurance company, and then they'll do an investigation of that to see if that if that company did it again, two

different things. A hip a violation for civil penalties against the violator. And then you have a civil lawsuit you would take for personal injury for someone sharing, but that would be if you were fired, ostracized, or somehow discriminated against because of a medical condition. And you would have to find an attorney to take that much less, like a malpractice attorney or a personal injury attorney.

But not one of them will take it unless there are really major damages, because the brain damage they would have to do to prove a preponderance of the evidence is extraordinary. I'm Tom Martino. Premiere, by the way, is the name of the best. That's why they call it Premiere Window cleaning and pressure washing. Now's the season to get this done and you can get special discounts. Call them. Tell them Martino told you to call trust Premiere

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Three oh three eight six seven seven thousand. Hip is probably one of the most misunderstood concepts. We know that they should not share information, but mostly it's civil finds and penalties, not a civil case for you against the person who violated there is it's it's impossible to No, I shouldn't say impossible, it's near impossible to prove any kind of damages unless you were fired or something concrete. You see, let me explain something for personal injury suits.

And by the way, emotional traumas considered personal injury. There's all kinds of economic non economic. But here's the point about and this is really important about personal injury because we get this call all the time. You never sue on could should have? Would have it? Could have killed me? Would have killed me? I could have. Everything has to be tied to a damage. Every civil suit has to be tied to a damage. If there is no damage, there's no reason to bring the suit at all. First of

all, no attorney will take it. And second of all, no person's going to pay for something if there's no bread crumbs, or there are no bread crumbs, or no pot of gold or anything at the end of the rainbow, why would you do it. So with a hip of violation, you would have to show that there is a violation that costs you. And then that in and of itself is so difficult that the effort going into suing for it very seldom comes to fruition. So you don't find attorneys to take

those. You don't find a lot of attorneys specializing in HIPPA lawsuits. However, the government will go after a violator, for sure, they will if truly they were violating hippa. But all somebody has to say is it was an oversight or mistake, and if they don't have a record of doing that over and over and over, even civil penalties are diminished or eliminated. So hippa, while we love talking about hippa, we don't have a lot of teeth in hippa because it's not like it used to be with AIDS. That

was the big deal. With AIDS, HIPPA was a big deal because people were getting fired, people were getting discriminated against. In fact people it would be found out and somebody would spill the beans and no one would go to that dentist anymore. Let's say if there was a gay dentist and they thought that dentist is HIV positive. I mean, there's all kinds of weird situations that happened with age, which led to people having to protect themselves in the

government. Rightly, so did a by the way, hippo laws for that that's where it started. Now people want to know, Tom, you have integra on as your health insurance expert. How do they make money? And that's a fair question, by the way, for any client I have, you always want to know where people make money. In fact, that is what tells you where their heart is. Now everyone, I mean everyone wants to make money, right unless you're in a nonprofit organization. Even then you

want to support the nonprofit but for your mission. But with Integra, they get wholesale rates. In other words, Integra sits with clients and does things carriers can't do. Carriers can't take the time or energy to do that for every single client. So carriers offer a product and say here's our health insurance

product. What Integrat does us and other brokers like Integer, is take that product to the consumers and they explain it to the consumers, and they put it on the menu of services and they say we have this plan, this plan, this plan, and this plan. So to be part of their menu, these health insurance carriers offer those premiums at whostsale and then Integra gets a fee for signing people up. But it's a very small fee. And here's the key. You can't get that wholesale fee going direct. People think

if they bypass Integer or another health insurance broker. They're going to get better rates going direct. That will not happen, so it's always best to use a professional like Integra Insurance dot com. By the way, we have we have a more coming up tomorrow. Don't forget it's car Day three oh three Martino. Call for help, information and referrals and save all your problems for me.