If someone breaks surrounded by your place while you be travelling and stole/destroy stuff...?
One of my friends just come back from vacation and found out someone broke in his appartment and stole some items( stereo, personal items) and verbs some other stuff(basically a bunch of clothes). they also threw eggs and painted some things on the walls. He has renters insurance but once he comes vertebrae to earth(obviously hes so MAD). , what would the renters insurance cover? I told him he has to first, agree to them know the police report number . I overlooked his policy and it does cover personal stuff up to 35000, but how do they calculate what they will cover? how long would it rob him to see some money back to start uying clothes (almost the intact closet was damaged) and finally, he rents his apartment, would a renters insurance policy cover any liability when vandalism? thankfulness!Answers: It says contained by the policy what they cover.
Yes, he has to report a police report - but if he's SUBLETTING the apartment, and a resident of the unit did the mischief, it's possibly not covered.
No, there's no liability present, when a CRIME has be committed in your part - the landlord is on their own for prejudice to the building.
Tell him not to throw anything away, just making list of what's damaged. The walls are the landlord's problem. And receive a copy of that police report. Have the landlord fix the lock right away.
his renters covers his property. the owner of the bldg should own a policy on the dwelling that covers the damage to that. he requirements to call his insurance compnay or agent and tolerate them know this happened ASAP and afford them the police report number. then he wants to go through and receive an inventory of things stolen or damaged. they will reward him actual cash meaning on his property and once he provides receipts showing what he has replaced, they will clear him the difference up to replacement value, if he have replacement value on his policy. Once he give the adjuster all the info he requests, he should have a check in about 7 days. if the apartment is unlivable, they will also remuneration him expenses to live elsewhere until he can move back contained by.
Medical insurance for those who cant afford it??
ok im 18 years old and theres a surgey i requirement to have but i and my familly cannot afford insurance. does anybody know of a prgram or something that cam backing. please thsi is vey importantAnswers: hold you checked your states medicaid coverage? Not everyone is eligible but it might be worth looking in to.
You phone your local hospital, and ask them if they have a program for your needed surgery. Or you bid your pastor, and see if they have a medical fund.
Or you basically go ahead and product arrangements with the hospital, to grasp the needed surgery, and pay it bad over the next five years by working two job, while you're young adequate to work two full time jobs.
no
http://www.insuranceplan4u.com
Can I be on my boyfriends condition insurance and am I his dependent?
My boyfriend and I have a son together. We are not going to draw from married, he has too much debt to return with married. I stay home and take aid of our son. He just started a trial job and have benifits! FINALLY! Can I get onto his strength insurance since I am the mother of his son? and on taxes am I his dependent? We live in Oregon.Answers: The single way you can do it is if his employer offer Domestic Partner coverage. (And even then...just if you meet the criteria to be covered as a Domestic Partner. You'd own to be prepared to show evidence - things like proof of pooled ownership, such as a bank information or loan in both of your name, proof that you reside together, possibly signing a notarized statement about the humour of your relationship, etc. Whatever his particular employer would require.)
However, if his employer does not tender Domestic Partner coverage (most don't), then there's nil you can do.
Except get married, logically. (Technically you *can* get married - you guys only don't *want* to because of his financial situation. Its splitting hairs, logically, but not quite accurate to say aloud that he "can't" get married.)
Bunny -
The answer to your cross-question would depend on the specific benefits that your boyfriend's employer has elected to present to their employees.
When companies provide condition care benefits to their force, they're contracting with an insurer to volunteer certain types and amounts of coverage. In other words, your boyfriend's company is paying a robustness insurance company a certain dollar amount per member of staff. If the company is really generous, they're picking up the entire tab for your boyfriend - most companies aren't that giving - rather than discharge the entire insurance premium, they contribute some percentage of the total cost, so that your part of your boyfriend's insurance premiums are remunerated by the employer.
One of the choices that the employer has when negotiate a group policy that will cover its employees is whether or not to pay packet a higher premium that will cover household members. I'm assuming, from your grill, that the company does provide either full sum, or most likely, a contribution towards the cost of covering instantaneous family member and dependents (wives, husbands, children).
IF the employer is offering that form of insurance, then, the Oregon Family Fairness Act would potential (?) make any benefits that are available to married couples available to domestic partner, as well. Though most of the communication coverage has focused on the impact that this legislation would own for same-sex couples, it would seem that the legislation would also require that benefits available to married couples would also apply to non-married heterosexual couples.
HOWEVER, as you probably already know, the many branches of the Oregon state government are battle over the enactment of the Family Fairness Act. As of right now, an Oregon court have issued an injunction that prevents implementation and enforcement of the legislation, and the subsequent hearing is programmed for February.
The answer to your question will depend on whether the Act eventually become law - what form any eventual regulation actually take at the time of enactment - and probably a whole bunch of trial challenges and judiciary interpretation.
Right immediately, you would only qualify for insurance coverage on your boyfriend's policy if the specific insurance company have made a business decision to set aside coverage that broadly, and if your boyfriend's employer has be beneficent enough to wages for that rather liberal amount of coverage.
When and if the Fairness Act is upheld, the insurer and the employer might be required (by law) to offer insurance to you IF they routinely present coverage to the spouses of employees, but ONLY if your partnership meet the statutory definition of a non-married domestic partner.
I'm sorry I couldn't provide a more specific yes or no answer, but unfortunately, the answer to your interrogate is both still to be determined AND dependent on the precise nature of you and your boyfriend's relationship, and how that relationship is interpreted underneath state law.
Good luck!
Talk to the Humana Resources department at his work. That would be great if it worked out.
If not, the best piece to do would be to talk to a LOCAL agent who know the companies, the prices, and plans in your local nouns well. They will be capable of answer those questions for you and point out other differences that you may not hold thought of.
You can connect with a local agent by wadding out the form at http://www.myinsurancequotes.web. A local agent will contact you and get the process started. I hope that help you. Thanks!
Jared Balis
http://www.utahinsurance.org