Lokal Insurance Group

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Lokal Insurance Group

Confident retirement starts with the right plan.

Medicare specialists | Group health & employer benefits
No-cost lifelong support | 50+ years of experience

📞 Call for clear, personal guidance: 316-237-0900

01/09/2026

Well… this just got real. 😂🔥

After all this time trying to get Jeff Probst ready for Medicare, there’s been one small development…

Jeff turns 65 this November.

Which means his Medicare Initial Enrollment Period has officially started.

Jeff, buddy… we’re not practicing anymore. 😂

And with Survivor entering its new “Open Era,” where old twists can come back when you least expect them, the timing feels almost too perfect.

Because Medicare has a few twists of its own — especially if you’re turning 65 and still working.

🔥 Day 8 of trying to get Jeff Probst ready for Medicare.
Jeff… your move.

01/09/2026

1. You won't be pressured into a decision.
Your Medicare or retirement plan should fit your life — not our sales goals. If you need time to think, take the time.

2. You won't feel stupid for asking questions.
Medicare and retirement planning can be confusing. That's why we're here. Ask the question. Then ask it again if you need to.

3. We won't recommend something just because we can sell it.
Sometimes the best advice is, “I wouldn't change anything right now.” We're okay saying that.

4. We won't disappear after you enroll.
Our relationship doesn't end when the paperwork is signed. When you have a question six months or three years later, we're still here.

5. We'll always remember whose money and retirement we're talking about.
Yours. Our job isn't to make the decision for you. It's to help you understand your options well enough to make a decision you feel good about.

Because you've spent decades working for the life you're building.
You deserve someone in your corner who treats it that way.
— Lokal

31/08/2026

Retirement is changing.

The rules are changing. The products are changing. The challenges retirees face are changing.

So We believe the way we serve them has to keep changing too.

We've dedicated a huge part of our career to learning—not just what works today, but constantly searching for what’s next.

New strategies. New ideas. Better solutions. Better ways to help people protect what they’ve built and turn decades of hard work into the retirement they actually imagined.

Because We don’t want to simply help someone get to retirement.

We want to help them build a retirement where they can live confidently, protect their family, enjoy their money, and create the kind of life they spent all those years working toward.

That means continuing to travel. Continuing to learn. Continuing to surround ourselves with people who challenge the way we think.

And continuing to ask one question:
What will retirees need next?

Whatever that answer becomes, We want to be ready for it.

31/08/2026

Know someone who’s spent their whole life preparing for retirement? Share this with them.

Retirement isn’t just about having enough money to stop working.

It’s about having a life you’re excited to wake up to.

The trips. The people. The time. The “Why not?”

Don’t just prepare for retirement. **Prepare for the life you want to live in it.**

28/08/2026

You picked the retirement date. You told your coworkers. Maybe you’ve even got the party planned. 🎉
But before you officially hand over that badge and walk out the door… there are a few things you really don’t want to leave until the last minute.

Things like:
• When your employer health coverage ends
• When you need to enroll in Medicare
• When you want to start Social Security
• What happens to your benefits when you leave work

Because “I’ll figure it out later” sounds a whole lot better BEFORE retirement than it does when you’re already retired. 😅

Your last day should be about celebrating what’s next—not frantically Googling what you were supposed to do.
Save this for when your retirement date starts getting REAL.

28/08/2026

Can I retire… and then go back to work?

Yes. You can.

And apparently, retirement isn’t always a “one and done” situation.

Some people retire and think, “This is amazing. I never want to work again.”

And some people make it about three weeks and say, “Okay… I need somewhere to be on Tuesdays.”

But here’s what a lot of people don’t realize:

Going back to work can affect your Social Security and Medicare.

If you’re collecting Social Security before your full retirement age, there’s an earnings limit. In 2026, you can earn up to $24,480. After that, Social Security may withhold some of your benefits.

Once you reach full retirement age, that earnings limit goes away. You can work and earn as much as you want without your Social Security benefit being reduced because of your earnings.

And here’s the part that surprises people:

Going back to work could actually increase your Social Security benefit.

Why? Your benefit is based on your highest 35 years of earnings. So if those new working years replace some of your lower-earning years, your benefit could go up.

Then we have Medicare.

If you’re 65 or older and go back to work with employer health coverage, you need to pay attention to how that coverage works with Medicare. Depending on the situation, going back to work can change what makes sense for your Medicare coverage.

So yes, you can retire.

And then un-retire.

And then, if you really want to, retire again.

Apparently retirement comes with a return policy.

Just make sure you understand what going back to work could do to your Social Security and Medicare before you make the move.

Because “I’ll just go back to work for a little while” can have more moving parts than people realize.

27/08/2026

She lost my number.
16 years later… she went looking for me.
At 83 years old, she knew something needed to change with her health coverage—but she didn’t want to call an 800 number or trust her healthcare to just anyone.
So she and her son started searching.
And they found me.
What happened next took less than 2 minutes… and saved her about $1,800 a year.
But that wasn’t the part of this story that meant the most to me.
It was knowing that after all those years, when she needed help again, she remembered who she trusted.
That’s the kind of relationship we want to have with every person we help.
👇 If you’re wondering whether you—or someone you love—could be overlooking something with your current coverage, comment GUIDE and we’ll send you some information on what to look for.

27/08/2026

Annual Enrollment prep is officially a family affair. She’s in charge of snacks, morale, and absolutely nothing else. 😂

26/08/2026

If you have an HSA and you’re approaching Medicare, don’t assume you can keep contributing to it.

Once you’re enrolled in Medicare, you can no longer make or receive HSA contributions — even if you’re still working.

Here’s the part that catches people off guard:
If you’re automatically enrolled in Medicare Part A because you’re receiving Social Security, Part A can be retroactive up to 6 months. That means you could accidentally make HSA contributions during a period when you were already considered enrolled in Medicare.

What should you do?
Before enrolling in Medicare:
• Check your Medicare effective date.
• Find out whether your Part A coverage will be retroactive.
• Stop HSA contributions in time to avoid excess contributions.
• If you’re still working and want to keep contributing to your HSA, talk with your benefits administrator and Medicare advisor about your options.

And one important distinction: You can keep using the money already in your HSA after enrolling in Medicare. You just generally can’t keep contributing to it.
If you’re turning 65 and still working, this is one of those details worth figuring out before you enroll—not after.

26/08/2026

🚨 A major Medicare Part D safety net is disappearing at the end of 2026.
And if you have a Medicare drug plan, 2027 may look very different.
Premiums can change. Drug costs can change. Formularies can change. And the plan that worked great for you this year may not be the best place to stay next year.
The worst strategy? Assuming everything will stay the same.
👇 Watch this before Medicare Open Enrollment.
And if you want us to review your 2027 coverage when the new plans are released, comment REVIEW below or send us a message.
A few minutes reviewing your plan could save you a lot of frustration next year.

Address

505 S Broadway, #117

67202

Opening Hours

Monday	09:00 - 17:00
Tuesday	09:00 - 17:00
Wednesday	09:00 - 17:00
Thursday	09:00 - 17:00
Friday	09:00 - 17:00

Telephone

+18772188892

Website

http://lokalinsurance.com/

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