Training, not individualized advice
Sparks Legacy Academy provides Medicare and Social Security education for agents, brokers, agencies, and related professionals. Course content is provided for training and general educational purposes only.
The courses do not provide legal, tax, financial planning, investment, government benefits, or individualized enrollment advice. While we make every effort to ensure the accuracy of the material, Medicare and Social Security rules change frequently. Learners are solely responsible for verifying current rules, statutory requirements, and CMS guidelines, and applying independent professional judgment to each client situation. Any case studies or scenarios presented are illustrative and do not guarantee a specific financial or professional outcome.
Not a government agency
Sparks Legacy Academy is not the Social Security Administration, the Centers for Medicare & Medicaid Services, Medicare, or any other government agency. References to SSA, Medicare, CMS, Social Security, or related programs are for educational discussion only.
Rules change
Medicare, Social Security, tax, employer coverage, IRMAA, enrollment, penalties, and related rules can change. Learners should verify current information with official sources and applicable professional resources before advising clients.
Professional responsibility
Agents, brokers, agencies, and other professionals remain responsible for following applicable licensing requirements, carrier rules, compliance obligations, CMS guidance, SSA guidance, agency policies, and professional standards.
No guaranteed outcomes
Completion of a course does not guarantee sales results, client outcomes, licensing status, continuing education credit, regulatory approval, or permission to provide advice outside the learner's professional authority.
Contact
Questions about this disclaimer can be sent to michelle.sparks@sparkslegacyteam.com.
