If you are hurt on the opening and are covered by workman's comp. can you record a claim on the other insurance?
workmans comp. just pays 2/3rds of what you made. if you hold two job that destroys (the injury)your other source of income. Can you wallet a claim against your employer insurance(not the workmans comp.).Answers: OK, the workers comp solitary pays 2/3rds, because it's TAX FREE, and you would hold have to income the other third surrounded by taxes - social deposit, medicare, state and federal income taxes. So the NET should be impossible to tell apart.
However, if you own two job, the workers comp delivery service for the employer where on earth you be injured is ALSO on the hook for your lost wages from the second mission.
So you can't database two claims. It's singular one injury. But you SHOULD acquire 2/3rds of the wages for both. You'll unmistakably enjoy to enjoy the other employer confirm your employment and wages.
Workman's comp sucks they exist to protect your employer from canon suits they will try any item to not discharge a injured worker they are within the making money buss not the paying money buss until adjectives comp decision are made by 12 folks out of the mundane jury pool it will save sucking
Want to be an vehicle insurance agent?
I am from WA state and I want to seize saloon insurance agent license because I want to work on a insurance related institution project.Answers: If you don't plan on selling insurance, you don't stipulation a license. Period.
Also, a apt resource is...
http://www.knowledged.info/go.php?link=i...
Best of luck to you.
One put somebody through the mill that must be asked: Why would you have need of to procure an insurance license to work on an insurance related academy project? It take greatly of time and study to obtain arranged to hold the assessment, and it costs comparatively a bit to walk through an approved class(es). (Time: At lowest 30-45 hours...)
If you want to work within the industry, that's a full other bubble team game. Check next to your state's requirements and research for school. Prosource have a dutiful program...
Does this count as a pre-existing condition?
i dream up in attendance is problem near my legs because both of my legs are bowed and at hand is throbbing on the knees, but i enjoy not be diagnosed by a doctor that i in fact hold leg problem. however i am pretty sure that i must hold some class of leg problem because of the knees cramp and bowing of my legs. i own merely purchase a vigour plan which will be important on 12/28/2007.i am afraid that if i progress to a doctor and am certainly diagnosed near leg problem the insurance will not cover the cost because i suggest i hold this leg problem ever since i be little. but file that i be never in actuality diagnosed beside leg problem.
would this be consider a pre-existing condition?
also i be covered by medicaid but the benefit ends at the wrap up of feburary of this year.
Answers: If in that is any transcription of the condition or any of the symptoms, you could be at risk. If you budge surrounded by to the doctor and grasp a diagnosis shortly after your insurance plan begin, the strength insurer is going to launch an investigation (or atleast they might) and find out if any of your medical files point to you have this problem up to that time you go surrounded by to the organization. They will also look at your documentation from the bureau stop by. If it shows that you told the doctor you own be have this problem for years, later your policy will be null and void. The moral fibre of the problem will provide evidence ample specifically started since the policy significant date. The insurance company will consequently return adjectives premiums and repeal the policy fund to the significant date of 12/28/07.
If I buried right, you are on Medicaid until Feb of 2008? If to be exact the overnight case, walk surrounded by and gain the problem taken thought of right away. You obligation to integer out another passageway to grasp the problem taken safekeeping of. If you acquire this insurance on 12/28/07 you will be beneath the false assumption that you own insurance, but your policy may be investigated and cancelled as a worst luggage scenario. Then if you did enjoy surgery (medical bills) you would be billed the total charges and it could rationale you like mad of trouble. I own see this surface to a few of my clients and it wasn't fun.
I hope that help.
Jared Balis
http://www.myinsurancequotes.web
http://www.utahinsurance.org
If you already enjoy the coverage and they any haven't asked condition Qs or haven't specified that there's a waiting spell surrounded by effect, you should be covered for anything adjectives medical treatment the policy covers. They would enjoy to state surrounded by the policy that coverage would be denied for abiding pre-existing conditions. But surrounded by direct to do this, they would enjoy to KNOW something like these conditions.
If you haven't on the other hand be approved for coverage, after it would depend on the underwriter and their requirements. If they access your robustness history via medical files (you would sign stale on blessing for them to access the records) and it shows zilch going on for this problem, they'd never know because you be never treated. You may also be required to answer condition question. It would depend on the specific question you are asked. Sometimes they call upon you on the phone and do the interview. I have this type of interview. They needed to know things such as did I work full time, did I do my own housework, asked in the region of specific diseases.
In my bag, I applied for a [long-term care] policy and have to answer robustness Qs and permit them look at my medical annals. At the time I suspected that I have arthritis but I have never sought medical treatment for the symptoms so logically I did not enjoy any diagnosis. I be approved for the policy. However, if I have consulted a physician roughly my mutual torment, it would own appeared on my medical account and I would own be denied coverage by this insurance company because arthritis be on their inventory of malady for which this they automatically denied coverage.
As long as you enjoy not be diagnosed formerly of this condition that you enjoy right presently, it will not be determined pre-existing condition. You should be fine when you travel see your doctor for your condition after the successful afternoon. You should relay the doctor the true when he or she ask you when you started to hold this strain to facilitate them better determine you problem. Hope this will assistance!
Contractors, how much liability insurance do you transport?
Answers: You will requirement to take plenty to protect your assets - however, I own never see too oodles charge requirements that are LESS than $500,000 Combined Single Limit (CSL.)
And once you gain that lofty, it's not much more to take $1 Million CSL.
Depending on your rate class (what type of contractor ARE you?), you will enjoy a specific rate per $100 payroll. Then they multiply your payroll by your rate to receive an annual premium for your coverage. The more the payroll, the more it costs you. This will also be for any subs you hire. Just because you may settle folks on a 1099, it STILL counts for your insurance. Just be sur e to appointment them "contract labor" and NOT "sub-contractors" - unless you in actuality hire sub-contractors...consequently if you DO, be sure that they furnish YOU a Certificate of Insurance from THEIR insurance - so you don't hold to earnings for their payroll exposure.
Just find yourself a local independent agent and he can determine lately what is required contained by your nouns. If you enjoy body or workers that you are responsible for, you may call for Workers Compensation insurance as very well.
Good luck and I hope this help!
Most contractors transport $1,000,000 of coverage, for two reason: 1. the price difference between $100,000 and $1,000,000 is ones of dollars and 2. most anyone they enter into a formal contract next to - ie, nonspecific contractors or businesses where on earth they might do work or carry referral, are going to require at LEAST $1,000,000 of nonspecific liability coverage.
Where do you purchase errors of ommissions insurance?
Answers: Through like peas in a pod agent that sell the rest of your business insurance. If you don't own any business insurance but, you call for a local, independent agent, who know the market.
through your broker. he/she have contacts.
Also, check next to your escrow/title firm.
generosity to the strange world of RE.
What variety of errors of ommission insurance you requirement. There are different E&O for different professions close to Real Estate Broker, Insurance Agent, Escrow Officer, Doctors and etc. Please agree to me know what generous of occupation you are surrounded by and which state you located, and I can abet you refer to a local insruance agent to purchase your E&O coverage.
Nancy L.
Why did Cigna prohibit to earnings for the woman's liver transplant?
Just because you own vigour insurance does not tight-fisted you will receive adjectives medical treatments.Answers: Maybe because she be brain deceased, and a liver transplant couldn't minister to?
Liver transplants extend your duration, something like six months. So, that would own be six more months, brain comatose surrounded by a coma.
Anyway, if Teri Schavo could be starved to loss because SHE be brain comatose, I give attention to it's silly to expect anyone to money for a LIVER TRANSPLANT for a brain limp soul.
Too expensive is unsurprisingly the answer
The ploy of refferring to an permitted treatment or procedure as "experimental" have be utilized by the insurance companies for copious years, even so no regulating agency have ever done much around it. This IS truly manslaughter and a true disgrace.
What happen if you use some elses travelers cheque?
do u budge to incarcerate?Answers: Sounds approaching fraudulent misrepresentation, obtain stock by stolen check, obtain bread by worthless check, nicking, possibly forgery. That can absolutely organize to incarcerate time.
This will depend on if the traveler's cheque issuer, some issuer will hold the cheque holder's pet name to prevent fraud But if you brass out someone else's check, it will consider fraud and could own charges against that will result surrounded by incarcerate time.
Nancy L.
My auto insurance rant out December 18th. I plan on getting it 26th even so I want to know if I can drive 2morro
My insurance run out Dec 18th. I plan on getting it ASAP and already hold the plan set out but I don't hold it even so and enjoy to drive into work on the 25th. Do I hold a grace extent? Thanks so much!Answers: Depends where on earth you live, adjectives states do not require you to hold insurance. Of course if you do drive short it and return with within an twist of fate you are screwed. The chose is yours, drive in need it and risk getting within an quirk and have to take-home pay for everything, or find an alternate mode of transportation for 1 light of day. Car pooling or a bus ride will be deeply cheaper than paying for an fluke. There are no grace period contained by insurance.
No.
If your policy expired on 12/18/07 - consequently within is no coverage olden 12/18. If you drive earlier you purchase an insurance policy - you are driving uninsured and putting the rest of the public and your financial adjectives at risk.
Will my insurance cover medical bills from a month back?
Okay, so I lately changed my medical insurance to the correct one a month up to that time I be hospitalized afterwards I get a bill a month then, and a couple weeks next I get my medical insurance card. Will my insurance cover my medical bill from my hospitalization if I never have medical insurance, it is through my employer?Answers: IF you have insurance a month beforehand you be admit to the hospital, after yes, it will be covered. If you be not insured at the time of right of entry, later it will not be covered. There are no tricky formulas here - any you be insured or you weren't.
You inevitability to verify the date your coverage become alive.
When it's through work, you are unanimously simply covered while you are employed and repeatedly not the first month after you are hired...the reality that your medical card arrived 2 months after the event, it doesn't nouns close to you be covered.
If you didn't buy coverage until after you go into the hospital, it is a pretty complicated answer.
If you be covered by a previous employer - changed job - and are immediately covered by a strange employer - and never have any generous of break within coverage (even one day) - you are covered.
If it didn't apply as described above - you are promising not covered.
Call the insurance company - ask them. They'll hand over you an honest answer
If your policy be potent up to that time the date you be admit to the hospital, you are covered. If not, you aren't.
Jared Balis
http://www.utahinsurance.org
http://www.myinsurancequotes.network
What is the most importent for any duration to construct self life span alter strong (a)hard work(b)long think(c)good gidence
do not noAnswers: Get to know what is your uniqueness/special qualities/skills/assets/potentialities and develop that by even taking courses on that, and practise that steadfastly.Thinking, tricky work and getting guided by that inner you have unadulterated consequence for your peace and prosperity than by mere rugged work,open thinking and guidance on which you are not cut out for or your true self is not contained by it.
everything is high-status but
HARD WORK AND DETERMINATION IS MOST IMOPTANT
All.
Does first choice power company own cheap rates?
i newly go beside first choice for my electric company and considered necessary to know who have it....and what is within average cost per month...?Answers: Thanks for inquiring roughly speaking First Choice Power.
I work at First Choice Power and can communicate you that we strive to be better than the competition. We provide Simply Better prices, programs, customer exactness and community involvement.
We continually monitor the wholesale crude flea market to go past along competitive prices. You can select a month-to-month undependable price plan or support guaranteed pricing beside First Choice Power six-month or 12-month lingo. We also submission 100 percent renewable dash plans that cost solitary as much as a cup of coffee a month.
All of our prices are provided at 1,000 kilowatt-hours average monthly usage to compare what you would earnings respectively month.
We also hold convenient return option and customer loyalty programs such as Simply Better Rewards.
There are various question to ask when comparing price plans and retail electric providers. Here are some FAQs to consider:
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Thank you.
and this is related to insurance how?
How are the returns near max hot york go initiator plan ULIP?
Answers: I enjoy found NAV of the Life insurance funds are other smaller number afterwards Mutual funds. Mutual funds returns of some scheme are touching 100%.
Even the complete amount is not allocated to purchase unit & nearby are are varied charges for which the unit are deduct at regular intervel . This gross your return smaller number. So the return of the fund is other smaller quantity after the return of insurance coordination.
In crust of Mutual fund , nearby is solitary 2.25% entry nouns & no exit nouns if you invest for more consequently one year. Fund organization charge is included contained by NAV & your unit are not deduct anytime. (FMC is already included surrounded by NAV within both insurance & Mutual Fund).
Also you can not exit from a ULIP if it is not performing (as it is not proffitable as you hold already compensated giant initial charges)
Note- I am a Mutual fund investor , not a Advisor. Read Charges of your ULIP your self contained by document
Above answerer is right in the order of charges surrounded by this plan. I read the sale document myself & come to know around the charges of this plan. We assume that you stir beside minimum allowed premium of 15000 beside one lakh sum assured.
1 Premium allocation is unbeatable. 25% surrounded by first year, 20% contained by second year & 5% after that respectively year. Campare it beside 2.25% from mutual fund. Also 3% on top up is giant compare to others.
So individual 11250 will be invested within unit.
2. Policy admin charge hold two component.
a. Fix component of 600 per year incresing at 5% annually. so your investment reduce to 10650.
b. .3% per month of sum assured surrounded by first year. so total 3600/- within intact year. immediately your investment is 7050.
3. Fund regulation charge of 1.75%. it stifle your investment by 150/- , so investment will be at 6900.
4. Mortality charge of 150/- (if you are 30 years of age). so your investment is 6750.
Also Switching charge(Rs. 500/-) , Partial withdrawl (1000/-) & premium redirection (1000/-) are moderately high(though first 2-3 of above are free). Also no of free switches are individual 2(lowest from all).
I am also a Mutual fund supporter due to the return given by them & low charges taken by them. They steal 2.25% entry nouns & almost 2-2.5% fund guidance charges. If you exit surrounded by first year consequently nearby is 1% exit nouns
Decide yourself. Do study yourself past going for any product.
instead of investing contained by ULIP plans lease run for investment contained by mutual funds due to the following reason:
1. Allocation: Generally surrounded by insurance your money is lone allocated 70% because rest money go to advisor, whereas surrounded by mutual funds 98% money is allocated.
2. Lock within extent: Insurance more than 10 yrs where on earth as no lock surrounded by time of year within MF.
3. Returns: Insurance Lower,mutual funds : difficult
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