Benefits Counselor: Social Security, Medicare & Medi-Cal Specialist

As a dedicated benefits counselor specializing in Social Security, Medicare, and Medi-Cal, I provide clear guidance and personalized support to help you navigate these complex government benefit systems. With extensive knowledge of eligibility requirements, application processes, and program regulations, I advocate for and empower clients to make informed decisions about their healthcare and financial security.

How I Help

Social Security Guidance

• Explaining different benefit types (retirement, disability, survivors, SSI)
• Calculating potential benefit amounts and optimal filing strategies
• Navigating the application and appeals processes
• Addressing complex situations like work history gaps or early retirement
• Coordinating Social Security with other retirement income sources

Medicare Navigation

• Breaking down Parts A, B, C (Medicare Advantage), and D (prescription coverage)
• Comparing Medicare Supplement (Medigap) policies
• Reviewing prescription drug plans for cost-effective coverage
• Explaining enrollment periods and late enrollment penalties
• Coordinating Medicare with employer coverage or retiree benefits

Medi-Cal Assistance

• Determining eligibility based on income and assets
• Understanding Medi-Cal’s relationship with Medicare (dual eligibility)
• Navigating long-term care coverage and asset protection strategies
• Addressing share-of-cost requirements and spend-down provisions
• Explaining estate recovery rules and planning considerations

My Approach

I recognize that every client’s situation is unique and that these government programs can be overwhelming to understand. My counseling services are designed to demystify these systems through:

• Jargon-free explanations tailored to your comprehension level
• Personalized analysis of your specific circumstances and needs
• Step-by-step guidance through applications and documentation
• Proactive identification of potential pitfalls or optimization opportunities. 
• Ongoing support as your health and financial situations evolve.

Whether you’re approaching retirement, managing a disability, caring for an aging parent, or experiencing a major life transition, I provide the expert guidance needed to maximize your benefits while ensuring compliance with program requirements.

My goal is to help you secure the benefits you’ve earned and deserve while minimizing unnecessary costs and administrative headaches. Contact me today to schedule a consultation and take the first step toward benefits clarity and confidence.