Insurance Questions and Answers

If i have a doctors note. does my work have to pay me for the time off?




Answers: It amazes me to no end when someone takes a job and doesn't even know what benefits (or lack of) that comes with it. Read your employee handbook. No one here will know any more than you will.
I also think it depends upon if you are hourly or salaried.
If you are hourly, the answer is a flat NO
if you are on salary, you are getting paid provided you have enough sick days, and a note will not be needed
unless you have been gone for more than three days.
Paid or not, bring the note in.
You dont want to be percieved as a slacker
If the company has paid sick leave and you have sick days available, you can use your sick days and get paid. Otherwise, the most the doctor's note does is prove you weren't faking.

Insurance repair bill (how do i protect myself if i recompense for damages)and not inform insurance?

i had an disaster i offered to pay for damages and repair how do i protect myself if they relocate there mind surrounded by 3months and look for even more money through insurers, if i tell my insure and payment my self the insurance will still go up


Answers: This is the great catch-22 when it comes to auto insurance. You wages and you pay and when you involve them, you pay even more. It almost seem that having insurance is unnecessary, since you pay one channel or the other. This is why there should be no failing insurance which would eliminate the fraud that the insurance companies are trying to protect against. I don't know what to notify you about paying these individuals other than possibly to get them to sign a contract that states they own no additional claims against you or your insurance related to this. Make sure it is worded so as to be a court and binding contract in your state. If they come final to try and claim against your insurance then this document could prove fraud. Of course within 3 months they could claim some mysterious delayed injury, but it would be hard for them to prove it be related to your accident.
Go through your insurance company, you could relay the insurance company that you want to pay the claim yourself, and take-home pay it. Insurance companies negotiate prices so that also could be to your advantage. But the loss on your policy would be $0 if you salaried the claim yourself, so provided you didn't get a ticket surrounded by the accident your rates shouldn't tilt.

Denied time ins and LTD ins due to distance from the ground / weightiness ratio. is the Discrimination?

My husband has be working with this co. for 5 yrs and have had ins the intact time with them, and very soon (time to renew) they have denied him energy ins and long term disability axiom bc of his height to shipment ratio (5 ' 11" and 285#) . Wouldn't that be considered discrimination? Can they if truth be told do that to people? HE hasn't gain any weight since later year and they covered him then! Why and How can they do this short getting lawsuits against them?


Answers: Because discrimination classes are see, religion, gender, etc. Height and bulk are not protected classes.

And even if they were, as long as companies can show a statistic difference, afterwards they can even make underwrite decisions base on protected classes. This is how they can charge more for male drivers than for feminine drivers - statistically they can prove the difference.

I would suggest you contact the company and in a cool and inquirying manner, a short time ago ask why he qualified last time, but not this time although his numbers stayed equal. Maybe for age the formulas show he is too great of risk. But you might find somebody who says, "Let me pocket another look at the numbers."

And keep contained by mind, this insurance carrier is not the single guy in town. Shop around.
Yes, it is. Is it ILLEGAL nouns? No.

Insurance is all give or take a few charging more for higher risks - or flat out denying to write the coverage.

The basis why you don't pay impossible to tell apart car insurance as a 16 year weak boy, is DISCRIMINATION. The reason you clear less for your house insurance than someone on the shoreline in Florida is DISCRIMINATION.

If in attendance was no nouns, everyone would pay the exact same flat rate. Then the well again people would be in motion without coverage fairly than see rates double . . .then everyone else would see much HIGHER rates. Then the improved ones left would drop out, and, resourcefully, you see, it's an upward spiral.

The EASY answer, is for him to lose weight.
Its not unconstitutional, if that's what you're asking.

Due to your husband's weight problem, the insurance company presumably feel that he's too great of a risk to cover. This is a decision they are entitled to sort. No one has a "right" to life span insurance.

(As far as you saying that they hold covered him in the recent past...if his weight hasn't changed, its possible that the company's underwrite criteria has changed.)

Unfortunately, if one company rejected him, its expected that others will too. If your husband wants life span insurance, he'll have to shop around until he finds a company that will adopt him or lose weight.

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