Social Security, 2020

SOCIAL SECURITY 2020

An advertising supplement of the Lewiston Tribune and Moscow-Pullman Daily News

2 | SEPTEMBER 19 & 20, 2020 | LEWISTON TRIBUNE & MOSCOW-PULLMAN DAILY NEWS

SOCIAL SECURITY

85 YEARS SERVING THE AMERICAN PEOPLE

By Mike Korbey, Deputy Commissioner for Communications www.SSA.gov

We take pride in having provided vital benefits and services to this great nation for 85 years. America has a diverse population with a variety of needs. With our diverse population in mind, we’ve created webpages that speak directly to groups

of people who may need information about our programs and services. These pages are easy to share with friends and family or on social media. Here are just a few that might speak to you or someone you love.

We proudly serve wounded warriors and veterans. They made sacrifices to preserve the freedoms Americans

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treasure. Many of them do not know they might be entitled to disability benefits from Social Security. Share our resources for veterans with them to make sure they get the benefits they deserve.

Social Security plays an important role in providing economic security for women. Nearly 55 percent of

the people receiving Social Security benefits are women.

With longer life expectancies than men, women tend to live more years in retirement and have a greater chance of exhausting other sources of income.

A woman who is 65 years SERVING cont. on page 15

SOCIAL SECURITY

LEWISTON TRIBUNE & MOSCOW-PULLMAN DAILY NEWS | SEPTEMBER 19 & 20, 2020 | 3

SOCIAL SECURITY & AARP WORK TO SLAM THE SCAM

AARP is helping SSA and its Office of the Inspector General warn you about scammers using Social Security in coronavirus (COVID-19) scams. AARP has a new webinar available for free (registration required), advising the public that scammers’ tactics continue to evolve, and they are now using coronavirus to try to scare us. Don’t be fooled!

Scammers may contact you by phone, letter, text, or email impersonating government officials to trick you into providing money or personal information. They may tell you Social Security is going to stop your benefits because its offices are closed, or ask you to pay a fee to receive extra benefits due to the pandemic.

Scammers may even pose as COVID-19 contact tracers working to stop the spread of the virus and ask for payment or your Social Security Number. Don’t be fooled!

Social Security and other government agencies will never:

• Call you to request information or payment due to coronavirus or office closures.

• Threaten to arrest you because of an identity theft problem.

• Require you to put money into a protected account.

• Ask you for payment by gift card, wire transfer, internet currency, or by mailing cash.

• Tell you to make up a story to tell your family or bank employees about why you need gift cards or cash.

Social Security continues to pay benefits during the pandemic. Social Security has closed offices to the public to follow social distancing guidelines, but its employees are still hard at work. If you have questions about how the coronavirus has affected Social Security services, visit SCAM cont. on page 15

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4 | SEPTEMBER 19 & 20, 2020 | LEWISTON TRIBUNE & MOSCOW-PULLMAN DAILY NEWS

SOCIAL SECURITY

ADVANCE DESIGNATION

CHOOSE A REPRESENTATIVE PAYEE FOR SOCIAL SECURITY TO CONSIDER BEFORE YOU MAY NEED ONE Advance Designation enables you to identify up to three people, in priority order, whom you would like The future can be uncertain. to serve as your potential However, Social Security’s representative payee.

Advance Designation The following people program can help put you in may choose an Advance control of your benefits if a time comes when you need a Designation: • Adults applying for representative payee to help benefits who do not have manage your money.

By Erik N. Jones, Assistant Deputy Commissioner for Operations www.SSA.gof

a representative payee.

• Use the application available in your • Adult beneficiaries/ personal my Social recipients who do not have Security account. a representative payee.

• Call us by telephone at • Emancipated minors 1-800-772-1213 (TTY applying for benefits 1-800-325-0778). who do not have a representative payee.

• Emancipated minor beneficiaries/recipients who do not have a representative payee.

If you fall into one of the above categories, you may provide and update Advance Designation information when you: • File a claim for benefits online.

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You may also change your Advance Designation(s), including the priority order, at any time while you are still capable of making your own decisions. In the event that you can no longer make your own decisions, you and your family will have peace of mind knowing you already chose someone you trust to manage your benefits.

SOCIAL SECURITY

LEWISTON TRIBUNE & MOSCOW-PULLMAN DAILY NEWS | SEPTEMBER 19 & 20, 2020 | 5

SOCIAL SECURITY SECURES TODAY AND TOMORROW FOR WORKERS AND THEIR FAMILIES who qualifies for benefits, it will not affect the amount of benefits you or your family may receive.

By Darlynda Bogle, Assistant Deputy Commissioner www.SSA.gov

Social Security has tools, information, and services to help secure today and tomorrow for you and your family.

When you start receiving Social Security benefits, certain members of your family may also qualify for benefits on your record.

Benefits may be paid to: Your spouse — To qualify for benefits, your spouse must be age 62 or older or be taking care of your minor child. We may ask for proof of our disability program, your disabled adult child must marriage, and dates of prior meet Social Security’s strict marriages, if applicable.

Your children — To qualify definition of disabled. A person is disabled under the for benefits, your eligible Social Security Act if he or child can be your biological she can’t work due to a severe child, adopted child or medical condition that has stepchild. We’ll need their Social Security numbers and lasted, or is expected to last, at least one year or result in birth certificates. death.

Your adult child disabled Your divorced spouse — before age 22 — To qualify If you are divorced, even if for children’s benefits under you have remarried, your

ex-spouse may qualify for benefits on your record. If you have a divorced spouse

When you work, some of the Social Security taxes you pay now go toward survivors benefits for your family. The benefit amount your family is eligible for depends on your average lifetime earnings. The more you earned, the more your family’s benefits will be. You can visit our Benefits Planner to help them better understand Social Security’s family benefits as they plan for their financial future.

Visit our website to learn how we’re with you throughout life’s journey.

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6 | SEPTEMBER 19 & 20, 2020 | LEWISTON TRIBUNE & MOSCOW-PULLMAN DAILY NEWS

SOCIAL SECURITY

MEDICAID FACTS WHAT IS MEDICAID?

By definition, Medicaid is a jointly funded program managed by both state and federal governments.

Medicaid offers medical treatment, including nursing home care for low-income individuals who are 65 or older, blind or disabled.

Courtesy of Merchant Funeral Home

Social Security won’t cover everything.

FACT: Many People who require nursing home care cannot afford to pay the costs.

Do you have a plan?

When it comes to funeral costs, Social Security pays very little, leaving your family with unexpected payments.

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Pre-planning provides you with the time needed to make practical, detailed decisions that reflect your standards, lifestyle, taste and budget.

We can advise you of the total cost, and the funds you set aside today can help your family in the future.

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Because of the high costs, a high percentage of residents that live in nursing homes rely on Medicaid to pay for their care. Today, an estimated four percent of the over 65 age population lives in a nursing home. As the proportion of the older people increases due to longer life expectancies, it is likely that more and more people will need nursing home care.

The rules for qualifying for Medicaid change often and vary state to state and from country to country.

Medicaid is not considered an entitlement program like Social Security; rather it is a needs-based program.

Because it is based on the need, a person is not eligible to receive Medicaid benefits as a matter of right. Each person must make himself or herself eligible.

As a component of qualifying for Medicaid, a person must have limited assets. To limit assets, a person may be required to “spend down” his or her assets to a level as determined by the appropriate regulatory agency in his or her area. The concept of “spending down” is simple. Essentially, the

SOCIAL SECURITY Medicaid agencies will provide funding for nursing home care only once a person’s assets have been reduced to the specified limits.

LEWISTON TRIBUNE & MOSCOW-PULLMAN DAILY NEWS | SEPTEMBER 19 & 20, 2020 | 7

MEDICAID ELIGIBILITY

The qualifications for Medicaid eligibility vary from state to state and from country to country. An attorney who understands Medicaid should be FACT: There are several methods to “spend down” assets, contacted before attempting to qualify one of which is to prepay funeral for Medicaid coverage. In order to expenses. qualify, you typically need to meet the If a person’s assets exceed the specified following requirements: limits, then he or she may have to use • Be a U.S. citizen living in the U.S. his or her own assets to pay for his or • Be over 65, disabled or blind her care in a nursing home. There are several methods to “spend down” assets, • Have a “medical necessity” requiring skilled nursing care one of which is to prepay funeral or cremation expenses. Most agencies will • Medical and nursing home exclude a prepaid funeral plan (within expenses exceed income limits) when determining eligibility for • Meet the income cap – the applicant assistance. cannot make more than $1,656 (2003) per month in income

P1FCU

• Have limited assets (usually less than $2,000, excluding home).

Special rules may also cover an applicant’s assets and how they were used up to five years before an application to Medicaid is made.

Examples of assets are as follows: • Checking/Savings Accounts • Mutual Funds • Stocks/Bonds • Deferred Annuities • Cash value of most life insurance policies • Revocable living trusts • 401K/IRA/Keoghs • Burial Trusts beyond a minimum amount

8 | SEPTEMBER 19 & 20, 2020 | LEWISTON TRIBUNE & MOSCOW-PULLMAN DAILY NEWS

SEASONAL WORK WHILE GETTING SOCIAL SECURITY

SOCIAL SECURITY

Income (SSI), special rules also make it possible for people to work

By Darlynda Bogle, retirement or survivors and still receive monthly Assistant Deputy Commissioner benefits and work at the same payments. If you want to try www.SSA.gov time. But if you’re younger working again, seasonal work " "Many people pick up than full retirement age may help you ease back into side jobs when the holiday and earn more than certain the work force. Read Working shopping season comes amounts, your benefits will be While Disabled or visit our around. It’s a good way for reduced, although not dollar Ticket to Work website for you to make some extra for dollar. Your benefits may more information. income during the busy increase when you reach full We also have an easy-toseason or ease back into retirement age. You can read share video introducing working if you have been more about working while people to Ticket to Work. out of the labor force for a retired. while. We’re here to help you Keep in mind that you must If you receive Social navigate working seasonally if report all earnings, including Security disability benefits you get Social Security. your seasonal earnings, to or Supplemental Security Social Security. Your earnings You can get Social Security

also count toward your future benefits. You earn Social Security credits when you work in a job and pay Social Security taxes. We use your total yearly earnings to figure your Social Security credits. You can learn more by reading How You Earn Credits.

Having a job can bring positive change to your life in a number of ways, providing independence, fulfillment, and community involvement.

Social Security is here to help.

Please share this information with friends and family.

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SOCIAL SECURITY

LEWISTON TRIBUNE & MOSCOW-PULLMAN DAILY NEWS | SEPTEMBER 19 & 20, 2020 | 9

BACK TO SCHOOL WITH SOCIAL SECURITY

By Darlynda Bogle, Assistant Deputy Commissioner www.SSA.gov

It typically takes people a lifetime of planning to reach their retirement goals. The earlier young workers know about saving for their future, the better chance they’ll have at achieving a comfortable retirement. This is why Social Security has created a resource specifically for teachers and students.

Our Information for Educators page contains a toolkit with information and resources to educate and engage students on Social Security programs and services. Within the toolkit, you’ll find: • • • • •

It’s important for students to understand why Social Security was created and why it is essential to their lives today and in the future. This knowledge and understanding will provide students a strong base on which to build their financial future.

You can access the webpage and toolkit on our website.

Young workers can also see how Social Security directly relates to them.

Encouraging young people Two lesson plans to save now for long-term with objectives goals that are decades away Infographics and handouts can be somewhat difficult. Let them know they have a better for each lesson plan chance of realizing their Links to Social dreams if they start planning Security webpages and taking action early. And Talking points also let them know that they Quiz questions and can share this information answers with friends, both in person and on social media.

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You’ll lessen the financial burden. Our easy payment plans make it easy for you to comfortably pay for your funeral over time, at today’s prices, so your family won’t have to find the money later.

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You’ll minimize disputes between your well-meaning relatives.

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You’ll show your love in a way your family will never forget.

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10 | SEPTEMBER 19 & 20, 2020 | LEWISTON TRIBUNE & MOSCOW-PULLMAN DAILY NEWS

SOCIAL SECURITY

FREEING YOURSELF FROM THE CONE OF SILENCE? Courtesy of Simon Audiology

At his first appointment, Dan joked that he was getting his hearing aids as a gift for his wife. Dan had hearing loss, but he understood how important it was for his wife to feel heard. Humans are social creatures. It is important to be able to share ourselves with others. But it

is vital to have that sharing accepted.

When we share ourselves with others, we feel connected to them.

When we feel connected, we feel understood.

When we feel understood, we don’t feel alone in the world.

Each day with hearing loss represents lost opportuni�es Opportuni�es for laughter, for understanding, for sharing feelings.

Why wait even one day longer? Your loved ones need you to hear.

Simon Audiology Anne Simon, AuD

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With hearing loss it's much harder to accept and reflect what you're told. This leads to tension and strain in any relationship, most notably in a marriage.

Typically, husbands and wives react differently to their spouse’s hearing loss.

Husbands commonly tell me that their wife, who has hearing loss, is less available.

So, he adjusts by taking care of things without consulting her.

Wives, on the other hand, crave more engagement from their husbands with hearing loss. This was the case with Dan’s wife. Some wives share deep frustration and resignation with not being heard. It’s hard to be in a relationship with a person who can’t hear you.

If you or your spouse can't hear easily, conversation is SILENCE cont. on page 15

SOCIAL SECURITY

LEWISTON TRIBUNE & MOSCOW-PULLMAN DAILY NEWS | SEPTEMBER 19 & 20, 2020 | 11

LEARNING THE LINGO OF SOCIAL SECURITY PIA (primary insurance amount), FRA (full retirement age), and DRCs (delayed retirement credits) Is Social Security a topic mean. These terms involve in your conversations these your benefit amount based days? Are you familiar with on when you decide to take the lingo used to describe it.

Social Security benefits, If you take your or does it sound like a new retirement benefit at FRA, vocabulary to you? you’ll receive the full PIA Social Security employees (amount payable for a strive to explain benefits retired worker who starts using easy-to-understand, benefits at full retirement plain language. But if a age). So, FRA is an age and technical term or acronym PIA is an amount. (an abbreviation of the What about DRCs? first letters of words in a phrase) that you don’t know Delayed retirement credits are the incremental slips into the conversation increases added to the or appears in written PIA if you delay taking material, you can easily retirement benefits beyond find the meaning in our your full retirement age. If online glossary at www. you wait to begin benefits socialsecurity.gov/agency/ beyond FRA — say, at glossary. age 68 or even 70 — your Social Security acronyms benefit increases. function as verbal Once you receive benefits, shorthand in our financial you get a COLA most planning conversations. If years. But don’t expect you’re nearing retirement, you may want to know what a refreshing drink — a COLA is a Cost of Living

By Jim Borland, Acting Deputy Commissioner for Communications www.SSA.gov

Adjustment, and that usually means a little extra money in your monthly payment.

Knowing some of these terms can help you finetune your conversations about Social Security. If one of those unknown terms or acronyms does

come up in conversation, you can be the one to supply the definition using our online glossary.

Sometimes learning the lingo can deepen your understanding of how Social Security works for you. Discover more at www.socialsecurity.gov.

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12 | SEPTEMBER 19 & 20, 2020 | LEWISTON TRIBUNE & MOSCOW-PULLMAN DAILY NEWS

SOCIAL SECURITY

SET A GOAL, MAKE A PLAN AND SAVE

By Jim Borland, Assistant Deputy Commissioner, Communications www.SSA.gov

clip art of a piggy bank and a small man standing on it dropping in coinsI have a question for you.

Did you know it’s America Saves Week? Here’s another one, are you saving for your

retirement? One more, if you will, when was the last time you looked at your savings account?

worked hard all your life and when you retire, you should reap the benefits of that labor.

Establishing good savings behavior now will minimize America Saves Week is future worries about your an annual opportunity to reassess your answers to these financial status. questions and ask yourself By visiting America if you are saving in the way Saves Week online, you your future demands. You’ve can complete a 12-question assessment to make sure your savings priorities are aligned with your future plans.

You can also evaluate how prepared you are and where your savings habits need strengthening to reach your future goals.

Carmel Minogue CPA

The easiest and most effective way to save is automatically.

get serious about planning for the future. Start saving today for a secure future; open a myRA account. For more information visit www.myRA. gov.

I always encourage workers to view their personalized Social Security Statement frequently for estimates of their future Social Security benefits. It’s easy to do by creating a my Social Security account at www. socialsecurity.gov. This service is free, fast, and secure.

It pays off.

Hold yourself accountable this week. Commit to the Take the America Saves Social Security is an Pledge. Join more than important part of a sound 450,000 American Savers financial plan. But, it can’t who have already committed be the only part. To enjoy to save. Then you can make a comfortable retirement, your savings social and share people need to save and invest your goals with others via throughout their working Facebook or Twitter. It may lives. The new myRA savings encourage your friends and account is an excellent place loved ones to save this week to start. What better time and secure their futures. than America Saves Week to

SOCIAL SECURITY

LEWISTON TRIBUNE & MOSCOW-PULLMAN DAILY NEWS | SEPTEMBER 19 & 20, 2020 | 13

MEDICARE & CORONAVIRUS: WHAT YOU NEED TO KNOW

By Seema Verma, Administrator of the Centers for Medicare and Medicaid Services www.SSA.gov

With the spread of coronavirus (COVID-19), being informed about your Medicare coverage is more important than ever.

hospital for in-patients who were on the verge of being discharged, but were diagnosed with COVID-19 and had to stay longer under quarantine.

Doctors, nurse practitioners, clinical psychologists, and licensed Medicare recently expanded clinical social workers can its coverage of telehealth deliver telehealth services. services. Telehealth enables Medicare beneficiaries can beneficiaries to receive a receive telehealth services wider range of healthcare in their home, as well as in services from doctors any healthcare facility, a without having to travel to physician’s office, hospital, a healthcare facility. It also nursing home, or rural health helps frontline clinicians stay clinic. safe themselves while treating Telehealth services can people. include routine office visits, If your doctor orders a mental health counseling, and COVID-19 test for you, preventive health screenings Medicare covers all of the for cancer and other illnesses. costs. You should not have By helping healthcare any co-pay, no matter what Medicare plan you’re enrolled institutions across the nation offer medical services in. There’s no vaccine for remotely, telehealth helps COVID-19 at this time, but when one becomes available, free up hospital emergency departments and doctors’ Medicare will cover it. offices to deal with the most Medicare also covers urgent COVID-19 cases. all medically necessary During this emergency, hospitalizations. This Medicare will pay for includes extra days in the telehealth services at the same

rates as in-person services, giving doctors and other medical professionals the opportunity to reserve their offices to treat those who truly require in-person care.

We know many Medicare beneficiaries are concerned about the spread of coronavirus and the threat it poses to their well-being.

That’s why we’ve taken these rapid steps to ensure that the

Medicare program continues to protect our beneficiaries while maintaining trusted access to care in these uncertain times.

To learn about Social Security services during the COVID-19 pandemic, visit our Coronavirus Disease (COVID-19) page.

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14 | SEPTEMBER 19 & 20, 2020 | LEWISTON TRIBUNE & MOSCOW-PULLMAN DAILY NEWS

SOCIAL SECURITY

3 REASONS WHY SOCIAL SECURITY IS IMPORTANT TO WOMEN pensions and other assets compared to men. These are three key reasons why Social Security is vitally important to women.

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If you’ve worked and paid taxes into the Social Security system for at least 10 years and

By Darlynda Bogle, have earned a Assistant Deputy Commissioner minimum of 40 work credits, www.SSA.gov you may be eligible for your In the 21st century, more own benefits. Once you reach women work, pay Social age 62, you may be eligible Security taxes, and earn for your own Social Security credit toward monthly benefit whether you’re retirement income than at married or not and whether any other time in our nation’s your spouse collects Social history. Yet, on average, Security or not. If you’re women face greater economic eligible and apply for benefits challenges than men in on more than one work retirement. record, you generally receive the higher benefit amount.

Nearly 55 percent of the people receiving Social The sooner you start Security benefits are women. planning for retirement, Women generally live longer the better off you’ll be. We than men while often having have specific information for lower lifetime earnings. women. Email or post this And women usually reach link to friends and family you retirement with smaller love.

SOCIAL SECURITY

LEWISTON TRIBUNE & MOSCOW-PULLMAN DAILY NEWS | SEPTEMBER 19 & 20, 2020 | 15

This is what you create when you have these a much more intentional conversations. You’re having exercise. You have to them in your own Cone of ‘schedule’ your conversations. Silence, creating a bubble that Limiting any distractions protects you from distraction. and turning off other sounds, But a happy marriage when it’s time to talk. is built on a deep sense Doing this instead of connection. It’s the of naturally having spontaneous, small conversations throughout conversations that build that the day creates a false sense of connection. communication pattern.

Are you having difficulty This kind of communication engaging and conversing with ignores the very real need your spouse? You can free to have spontaneous, small yourself from your own Cone conversations. of Silence.

The way Dan described Caring for your hearing these planned conversations can transform your life and with his wife reminded me relationships. If you or a of the Cone of Silence. This loved one find conversation refers to a sight gag from in difficult, an audiologic the 1960s comedy series Get evaluation is the best, next Smart, starring Don Adams step. You have five senses that and Barbara Feldon. Of you experience life through. course, in the show, the Cone Why not experience life to the wasn’t really silent at all. The fullest? Call my office today illusion was the spies were to schedule your consultation! having a private conversation 208-746-7022. within the Cone that nobody else could hear.

SILENCE cont. from page 10

SCAM cont. from page 3

its Coronavirus (COVID-19) website.

If you receive a suspicious call or communication, do not call the number they give you. Don’t respond in any way. Ignore the message, never click the link, and

hang up the phone without providing any information or even giving your name. To report a Social Security scam, contact the Office of the Inspector General. Share this information with your loved ones, and help us “slam the scam”!

SERVING cont. from page 2

old today can expect to live, on average, until about 87, while a 65-year-old man can expect to live, on average, until about 84. Also, women often have lower lifetime earnings than men, which usually means lower benefits.

Women need to plan early and wisely for retirement and we’re here to provide valuable information to help.

Share our women’s page with someone who needs this information and may need help planning for their golden years.

Do you know someone who is just starting their career?

Now is the best time for them to start preparing for retirement. The sooner they begin to save, the more they’ll have at retirement. Share our early career resources page with a young worker you know.

These are just a few web pages that are tailored to a specific group’s needs. If you didn’t see your own, please check out our People Like Me home page.

As we mark our 85th anniversary, we look forward to serving America for generations to come!

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16 | SEPTEMBER 19 & 20, 2020 | LEWISTON TRIBUNE & MOSCOW-PULLMAN DAILY NEWS

SOCIAL SECURITY

Timing counts when it comes to your social security benefit Social Security can be one of your most valuable retirement assets. The decision of when you start taking your benefit impacts how much you’ll receive.

Call or visit today, and learn how your decision impacts your overall retirement income strategy.

Final decisions about Social Security filing strategies always rest with you and should always be based on your specific needs and health considerations. For more information, visit the Social Security Administration website at www.socialsecurity.gov.

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302 5th Street Suite 1 Clarkston, WA 99403 (509) 758-8119 1-800-441-2308

931 6th Street Clarkston, WA 99403 (509) 758-8731

1455 G Street Suite 101 Lewiston, ID 83501 (208) 746-2308 1-844-746-2308

517 Thain Road Lewiston, ID 83501 (208) 746-7167 1-877-490-7167

122 Johnson Avenue Orofino, ID 83544 (208) 476-3271 1-866-904-3271

Financial Advisor

Jeff Bollinger, AAMS®, CFP® Jay Mlazgar, AAMS® Financial Advisor

Eastside Marketplace 1420 S Blaine, Suite 22 Moscow, ID 83843 (208) 882-4474

Financial Advisor

609 S. Washington Suite 203 Moscow, ID 83843 (208) 882-1234

Financial Advisor

Carolyn Hicklin

Financial Advisor

212 Rodeo Dr. Ste. 810 Moscow, ID 83843 (208) 883-4460

Financial Advisor

Ryan Hamilton

Financial Advisor

Professional Mall II 1260 SE Bishop Blvd.

Suite C Pullman, WA 99163 509-332-1564

Financial Advisor

Brady S Arnone

Financial Advisor

302 5th Street Suite 1 Clarkston, Wa. 99403 509-758-8119 1-800-441-2308

Financial Advisor

Christian Leer, AAMS® Patrick Cruser, AAMS® Financial Advisor

740 5th Street Clarkston, WA 99403 (509) 751-1610 1-877-751-1610

Sherrie Beckman, AAMS® Kaitlyn A Pimienta Financial Advisor

940 Bryden Avenue Lewiston, ID 83501 (208) 746-3875 1-800-646-8316

MAKING SENSE OF INVESTING

Financial Advisor

621 Bryden Ave. Suite B Lewiston, ID 83501 (208) 413-6933

Financial Advisor

1300 16th Ave Ste 101 Clarkston, WA 99403 (509) 758-8353

Larry Kopczynski Financial Advisor

2501 17th Street Lewiston, ID 83501 (208) 798-4732 1-866-798-4732

Member SIPC 583006I_20