can a medical provider ask me for my private insurance as collateral if I am one see as a workers comp pt?
Question:
in valise the worker's comp insurance doesnt pay?
Answer:
Absolutely. There's a entity called "Coordination of Benefits" - plan, if you have more than one insurance (in this crust, workman's comp and private insurance) each plan can point fingers at the other and influence "That one is responsible" and it can be a mess to sort out. They might be keeping the private insurance on file within case they call for to fight a coordination of benefits issue.
Yes, they have need of a way to guarantee they will receive compensation.
THIS IS POST 9/11 AMERICA
THEY CAN ASK YOU ANYTHING
IF YOU DON'T TELL THEM, THEY WON'T
TREAT YOU..AIN'T LIFE GREAT??
Yes, because many times the work comp claim is denied, or the work comp haulier complains the work comp injury is a fraud. I used to collect work comp for hospitals.
Yes they can sir. Remember, comp don't always settle up up. So if they don't pay. you will.
Yes. Workers Comp can nick several days or more to verify that it is a legitimate workers comp baggage. If they determine that it is not, the doctor must be able to collect on your treatment.
Workers comp will try to avoid paying rather. My experience is that it took over 5 years for the claim to go through the system, and the insurance company holding the worker comp policy for the employer will try to formulate as many inhabitants look as if they are committing fraud and are willing to ruin your natural life to avoid paying a few bills if they can get away next to it.
It's not "collateral" - it's a secondary allowance method. And if you DON'T give it to them, and workers comp DOESN'T compensate, then YOU are responsible for it contained by full. It's much easier for them to then attempt to bill the condition insurance carrier, and easier for you, too.
Workers comp - as I'm sure you're adjuster told you - is prohibited BY LAW from "pre-authorizing" services. That technique, first you get the treatment/testing, and base on the results, the WC carrier will desire if it's work related.
I had a satchel once, where some guy go to the doc for carpal tunnel - the whole achey tendons within the arm thing. He be ripped that he had to hold testing and it wasn't "pre-approved" by the comp delivery service. But the testing revealed he have bone cancer in his arm - which be NOT work related.
Obviously, I hope that's not the case near you. But it DOES happen (not newly the cancer bit, but other things) and the doc does NOT want to have to sue you for the bill when getting the form ins. info up front can save you BOTH lots of hassle.
I do cabinetmaking and bring scewed out of pay envelope adjectives the time by contractors. how can i attain them to reimburse ?
Question:
don't tell me to sue them surrounded by small claims, or do a carpenters lein. i want to know how to screww up their business like they hold screwed up my life.
Answer:
OK, you're asking two different things here. The answer to the first sound out, how do you get them to wage - if you don't want to sue them, you can go after the OWNER of the building. You probably know that. You can ALSO lone do work that's covered by a payment bond - ask to see the copy of the bond.
The second give somebody the third degree - how to screw up their business. Sigh. What comes around, go around - they'll eventually get theirs. Life doesn't call for you to go around making it worse.
Yes, you can record what is called a "mechanics lien" against
the owner of the property...
Write out a contract subsequent time.
Get termites, leave them along the foundation of their house. Also, receive all the MJ seed you can, sneak over and "seed" their lawn both front and reverse. When you notice the plants, dial 911 to report them.
We hold the opposite problem. We settle people partially the money down to work on our apt. bldg and they get perchance 3/4 the work done and then entail the other half of the money for supplies. We never see them again. Good luck.
Besides the mechanics lein you can directory why not lodge complaints with the Better Business Bureau. I know this does not do much but if nearby are enough complaints afterwards people will not do business next to them. If it is the same creature why do you continue to work for them? You can other try the new medium, they are looking for poor working people person screwed by business.
How the heck does this qualify as an insurance question?
what is the better leeway to do a insurance of the house buildings?
Question:
Answer:
when an individual plans to built a house other than his/her ancesterial property, it scheme solely investing other than parent owned, hence the liability increases in consequence the individual needs a complete financial planning to avoid and safeguard the fiuture protection to the house..to know more on this, kindly communication me
find an insurance broker. ask them to provide you the best rate for the best coverage on fire and burglary insurance.
Visit icicilombard.com. You can select the option based on your requests and requirements such as building structure, burglary, home contents, appliances, jewellery etc... The premium will be calculated base on the options elected and you can decide promptly whether to go for it not.
I suggest not to contact any brokers/mediators.
Pls appointment my friend Vijaya 39820326. She will help you.
between what? Which of WHAT is better?
Hi
If you want more info around your question see this pattern site
http://www.freewebs.com/getinsurance...
How should a note to an insurance company be worded?
Question:
I need a brief epistle to an insurance company that work has be completed on my house after a fire
Answer:
Date
Your address here
Their address here
To Whom it May Concern:
Enter polite text here: policy number, concerns, your christen, etc.
Sincerely yours,
your name
address again here
This epistle is to inform you that the fire damage to my house insured below policy number__________ have be completed.
Please note your files.
sincerely.
How roughly speaking, THE WORK ON MY HOUSE HAS BEEN COMPLETED.
it should be worded by your contractors. or adjusters. not sure why you would need to submit that. did your agent ask you to provide this, progress in your agents department, tell them to type up the statement, and you will sign it. if this does not enjoy to do with a claim you file with them, and something you compensated out of pocket for, bring pictures of completed work, they will eventually ask for them, so get that done and over next to.
make you enumerate the date, name, policy number, property location, date work be completed, and by whom. dont forget to sign the bottom, thats all they are looking for, a statement and a signature.
which are the time insurance companies operating surrounded by india.?
Question:
Answer:
L.I.C. is the life insurance corporation of India monopolises duration insurance in India. Banks proposition compensation for unnatural deaths for general public who open accounts and pay envelope for some mutual funds..
So many
-LIC -Life Insurance Company
-ICICI prudentials
These two are most adjectives
The following are the players in the Indian Market.
LIFE INSURERS:
1. ALLIANZ BAJAJ LIFE INSURANCE CO. LTD.
2. AMP SANMAR ASSURANCE CO. LTD.
3. BIRLA SUN LIFE INSURANCE CO. LTD.
4. DABUR CGU LIFE INSURANCE COMPANY PVT. LTD.
5. HDFC STANDARD LIFE INSURANCE CO. LTD.
6. ICICI PRUDENTIAL LIFE INSURANCE CO. LTD.
7. ING VYSYA LIFE INSURANCE CO. PVT. LTD.
8. LIFE INSURANCE CORPORATION OF INDIA.
9. MAX NEW YORK LIFE INSURANCE CO. LTD.
10. METLIFE INDIA INSURANCE CO. PVT. LTD.
11. OM KOTAK MAHINDRA LIFE INSURANCE CO. LTD.
12. SBI LIFE INSURANCE CO. LTD.
13. TATA AIG LIFE INSURANCE CO. LTD.
you can confidently reach them adjectives from this page http://www.indiashomepage.com/c.aspx?cid...
Has anyone going through or gone through getting in attendance guard charges bck from Nationwide ?
Question:
How you getting on or how did you get on,and what stage did the Nationwide compensate up ?
Answer:
hahahha I just get mine back from natwest
this is what i did
type contained by 'bank charges' in your prod engine, scroll down until you find the 'free' site
there you'll find a reminder to write, I got adjectives my statements from 6 years, (1 week after sending the letter)
they then get 40 days to reply.. NOONE has gone adjectives the way to court, as the bank cant win, takes smaller amount than 2 months, go for it.
goood luck
My daughter used the Martin Lewis site to bring the letters. She contracted it would be easier to use on of the recovery companies, they clutch 20-25%. She recovered nearly lb1k.
how much could I expect to pay/month for $200,000 vivacity insurance? s/w/m/23yo/ny/nonsmoker/no strength issues?
Question:
that's 23 years old, white, masculine in upstate tentative york, college grad, (nonsmoker/no health problems). I freshly need a ballpark numeral. $10? $100? I just hold absolutely no opinion so if you have any impression, you know more than me.
Answer:
Go to reliquote: I plugged in some number for a 23 yo masculine in New York. Normal increase and weight, non smoker, beside no health problems or kinfolk history of health problems.
Most of the 20 yr quotes be between 15-20/month.
Do not, repeat, do not go for that overpriced full, variable, etc... enthusiasm insurance. They will tell you that you are investing and insuring yourself. Insurance is for planning for your loss of income. It's so your love ones aren't moved out with adjectives your debts and no way to pay cheque them off. Fees and return on investments contained by whole existence, variable-life and there ilk insurance will get through up profits.
Get 20 year level residence: Take the money you save for not buying into the complete life insurance crap and invest it. You'll do much better than paying fees and commissions to insurance companies.
https://www.netquote.com/?nqid=12743&sta...
My favorite site is www.term4sale.com
They don't put up for sale insurance - just post rates from least possible to most expensive.
Ok,
You may not find this answer very enlightening but it adjectives depends on the company that you apply to. Things that play major role on the premiums are the above things that you mentioned, man a non smoker is a great plus, location, driving habbits, hobbies e.t.c
Also another thing that plays trunk role is the type of policy that you are trying to get. If I be your age I would try to get the maximum coverage that I'd qualify for beside option to increase every 5-10 years, something that also builds lolly value. It will be somewhat bit more expensive than just straight enthusiasm but it is well worth it surrounded by the end. Again to step back to your put somebody through the mill, you could pay $10 or you could rate $100. It all depends on what you want to find out of the policy.
$200 a year for term. $2500 a year for intact life.
It depends on the company you run with so shop around. If you are looking for occupancy life insurance which doesn't accrue cash expediency you'd pay in the order of $15 per month or $170 per year for a 20 year level occupancy policy with a extermination benefit of $200,000 (assuming there are no condition issues, participation surrounded by dangerous happenings such as sky diving, no bankruptcies, no dui's, etc.)
You're immature, so you might even want to go near a return of premium life insurance product that will provide you all of your premiums if you outlive your policy (after 20 years). This is for a while more expensive, but it's a forced savings for you. Check out www.accuquotelife.com for free quotes.
Where do insurance companies attain adjectives the money?
Question:
How does an insurance company afford to pay out adjectives that money on insurance claims?
Answer:
Before an insurance company is allowed to sell any policies, they enjoy to set aside a large amount of money within a special account, basically to pay claims. This is call a "reserve".
The money originally comes from investors in the insurance company, for a private company, or stockholders, surrounded by a publicly traded company. People invest, hoping that the stock goes up, and/or pays a dividend - that it will earn them some money.
Insurance companies aren't such a hot investment times past 15 years or so, you can check them out on NYSE if you want to look up some individually.
After the initial reserves are set up, the insurance company hires people (actuaries) to total how much they will likely enjoy in claims for a demanding class of people. Then they wish how many policies they want to trade, and factor in claims adjustment expenses, litigation expenses, and administrative expenses. They also factor within "investment income" from the reserve account, and feasible investment income from incoming premiums. That's how they determine your rates.
Then they sell the policies. They can afford to put on the market you insurance for slightly less than they work out they will have to pay cheque out in claims, because of the investment income, and next they will still have a moment or two left over to remuneration the stockholders/investors.
Everyone else pays in premiums and most ethnic group never file a claim. And afterwards when you do file a claim, they jack up the rates on you. What they also do is invest the money that they are salaried. These investments pay big dividends which really help fund their accounts.
So yes, when they pay out adjectives of these settlements they are affecting the premiums that you pay every month.
When everyone pays their premiums, the companies preserve all that money and invest it so it grows. They reimburse the claims out of that money. They plan the premiums so that over the long run, they take surrounded by more than they pay out and that, plus the profit from investing the money they're holding, is where on earth they make money.
There's a lesson within that for all of us regular society. If we take surrounded by (i.e. paycheck) more than we spend and invest the difference so that it grows, we too can be "profitable" and accumulate ample to pay for startling problems (car repairs, broken washing device, etc.) and still have money moved out over.
because they require people to rate a certain amount every month. let just utter that everyone had to foot $100 a month, they probably have a couple of thousand customers or more so let just say-so that they have 3000 customers. contained by one month they earn $300,000 WoW there is merely but what 4 or 5 accidents surrounded by a month after a few months they are well over a million dollors, so where on earth do you think, from you as expected
Let's us an example. A company has 10,000 clients. An average of $1,000/person for the year for sports car insurance. That's about $10,000,000 for the year. If this is a direct company and not a brokerage, it's straight forward. Let's read aloud 200 accidents beside an average of $8,000 paid out. That's $1.6 Million. So the profit is evidently large. But thieve into consideration that some of the extra cash is used for expenses (employees, rent etc)
There are three main things that determine the profits of an insurance company: Premiums: $$ coming in from consumers and businesses (BTW, most of the premiums contained by the industry are from businesses, not consumers), Combined Ratio: The underwriting expenses (not newly losses) as a percentage of premiums... so a combined ratio under 100% equals a undwriting profit, and Net Investment Income: companies invest their wherewithal, usually in bonds because the income is more predictable.
Now, historically combined ratio for the industry are rarely lower than 100%, so underwriting profits are not where on earth these companies have made their money... to some extent it is in lattice investment income. Recently that has shifted, and abundant believe it is due to tightening bond yields (i.e. the 10-year treasury bond yield about 4.5% now). This money the companies have trouble relying on investment income for sufficient profits, so they are looking to underwrite income as well.
out of adjectives the claims that are submitted, approx 68% are denied, out of that number, 12% of those should have be denied.. but most people won't argue.. they trust their ins. co.
so you collect $1. you one and only pay out smaller amount than 50 cents
that's how they make money
During Katrina the insurance commissioner for Miss be on TV saying that unless the race along the gulf had flood ins after they had no coverage for the damages that they suffered.
BULLSHIT I saw those pictures and I call the state offices of Miss myself, told them why near should be coverage. If you go pay for and G00GLE recent stories.. the state is suing State Farm for failure to foot it's claims related to Katrina.
I finally retired from adjusting, I be getting an ulcer from recitation people that they have no coverage when I knew that they did. But I required to keep my brief.
I told the Gov. Office in Miss to review the films.. you could see the waterlines on the walls.. yes.. those be flood lines.. taake the perimeter.. that be flood damage. HOWEVER, the flood did not blow the roof past its sell-by date, that's windstorm, a standard coverage on the most basic fire policy.. near the roof gone, the rain dilapidated the remainder of the property. So if 20% of a 2000 sq ft house was worn out by flood and 80% had windstorm impairment then why aren't the insurance companies paying?
THAT'S where on earth they get the money.. places similar to the gulf coast.. hundreds of thousands of premiums paid over the ending 5 years. then Katrina. for every 1 claim rewarded 30 were denied.
that leaves profusely of money in the mound.
OK, I'm done bitching.
They invest the money you pay them via premiums. Then use that money to foot your claims. There's a crazy formula they use to figure out how much to charge base on the amount of people on a plan.
Can you work for a company close to state cattle farm insurance if you hold a felony on your copy. if so how?
Question:
The felony is for manufacturing marijuana and it be only 8 plants 5 years ago. Thanks adjectives!!
Answer:
Anyone who has be convicted of a felony who wants to work surrounded by any capacity for any insurance or fiduciary related business, must land approval from the state insurance commissioner of the state in which you want to work.
As your crime is NOT money related, it shouldn't be a sturdy thing to win.
Not likely. They own to do what is called bonding you. Felonies would usually disqualify you for bonding. BUT, conceivably with supporting documents from family connections, or a judge, motto you are rehabilitated, or something to that affect, you could still try. You HAVE to be honest though and tell them, or you'll be looking at more trouble. GOOD LUCK!
To be an insurance agent, probably not.
In abundant states, having a felony conviction precludes you from getting an insurance license.
To be a janitor, bookkeeper, receptionist, etc.possibly.
You never know until you apply.
I work in the medical billing pen. You would probably have to help yourself to a drug test, if you elapse they may or may not hire you. I think it's worth a shot! After adjectives you really have nil to loose if your try!
Short answer is no. It is very difficult or even impossible surrounded by most states to obtain an insurance license next to any felony, even bankruptcy and I enjoy seen surrounded by some states departments turning down applicants for any such reason.
Most states will not issue an insurance license to someone who have a felony conviction. The state I am in will revoke your license if they find out you have a DUI since it is a felony conviction.
If you are able to bring back the state to issue you a license you will have trouble getting appointed by the companies. Every company asks if you hold been convicted of a felony.
If you do desire to do this, if is going to be difficult. I used to work for State Farm and I really doubt that they would hire someone with a felony conviction.
By Indiana Law, are vehicle dealerships responsible for making sure cars are insured back departure the lot?
Question:
Answer:
No.
Their contracts with the nouns companies require that they be sure there is PHYSICAL DAMAGE coverage - which channel collision and comprehensive coverage - on vehicles that are financed, up to that time the vehicles move their care, custody and control. But that's between them and the nouns company.
And if they are doing the registration work for you (and they aren't REQUIRED to!) then they hold to use reasonable judgement while following the procedures for the Indiana DMV. But it's not incredibly difficult for a customer to bogus an insurance card, and it's not the responsibility of the dealer to "catch" them.
The concluding responsibility for following the insurance laws within Indiana, lays with the vehicle owner - the purchaser.
contents insurance?
Question:
contents insurance value full house 20,000 fluky damage
Answer:
Assuming you're looking for a quote . .. "inadvertent damage" is not a named peril. This should run you roughly $150 a year, and will cover fire, theft, explosion, that kinda stuff. NOT "oops I dropped it" or "oops the dog ate it".
thankfulness for sharing that, my life is presently complete!
whats the question?
vehicle insurance - fully comp - ford mondeo
im sorry i thought we were freshly randomly typing roughly insurances we have - any adjectives of a question subsequent time?
Obviously it doesn't cost much to insure the contents of your brain..what exactly are you meaning?
What do u suggest by broad-spectrum insurance ? i inevitability just about 80 page and contained by detail roughly speaking common insurance?
Question:
Answer:
Well, for 80 pages within detail - hop on down to your local, independent agent's office and ask them for a indication policy form. There ya go, a short time ago read it!
It's been a while since I've sold insurance, but total insurance is, and I'm not 100% on this, a whole existence policy where the change value is put into an investment explanation instead of a bank explanation. It carries greater yields and more risk. My philosophy is buy possession and invest the difference. If you make a plan and follow it, you can become debt free beside enough money contained by the bank that you won't call for life insurance.
You might want to be more specific here.
Because I'm not sure if you're asking roughly Universal Life insurance (to which the other posters are referring), or if you're asking about "broad-spectrum health care" (as within health watchfulness provided by the government)?
Can anyone recommend a perfect malpractice insurance company for a first year attorney?
Question:
Answer:
Check in your nouns with fellow colleagues and see who they suggest I work for an attorney, but I don't know at this moment the entitle of the company since I am not at work... Also, I think the insurance is base on the type of practice you have...
Good luck!
List of best Life Insurance compnies offering different types of Life Insurance
Check the catalogue and find out which is best for you,
http://life-insurancee.blogspot.com/...
In any given state, there are probably lone a couple of companies offering this type of insurance. Unfortunately, you'll need a state specific answer.
Your best bet is to turn to a large, independent insurance agency and ask them for quotes, or to contact your local association, and see who they draw from THEIR policies through.
Moving and getting rid of stuff?
Question:
Planning on moving and have stuff I dont discern like paying a mover for things I can well replace. What is the best way to obtain rid of things like bed, couches and the like?
Answer:
Freecycle. www.freecycle.org . . . empire come to YOU and pick up your junk that you don't want.
its lately hard
Sell it at a garage trade
Call the Salvation Army or Goodwill Industries. They will come to your home and pick them up for free and the money they get from the mart goes toward appropriate cuases.
Have a yard public sale. What ever is left that you do not want...donate it to charity.
I moved final year so I can tell you from my experience, the simply charity I could get to come out and construct a pick up of large items, be Salvation Army. I tried Good Will but they said they don't pick up anymore.
All of the rest of them that I called also made you bring the stuff to them. Since I have several large items similar to a refrigerator, that was subsequent to impossible for me to do. I used Salvation Army. They have an 800 number you can ring to schedule pick-ups. 1-8OO-95-TRUCK. They will hand over you a receipt for export tax purposes.
Craig's list
I get rid of an old pool table, two couches and a fridge surrounded by one Sat. afternoon.
a lot of womens shelters will own volunteers that will come and get things you want to donate if you can't drop it bad. women Escaping a Violent Environment (WEAVE) helps women draw from jobs and apts, so they are other looking for furniture, household goods, etc.
Put it out on the curb near a big "FREE" sign and watch how swift it disappears! (Great Fun!)
Can you work for a company approaching state sheep farm insurance if you own a felony on your story. if so how?
Question:
The felony is for manufacturing marijuana and it be only 8 plants 5 years ago. Thanks adjectives!!
Answer:
Yes, if you have okay from your state insurance commissioner. I don't think it would be tricky to get the green light, because your felony is NOT fiduciary-related.
BTW, that's not just for State Farm, but for ANY insurance company or agency.
It is unlikely that you will know how to get your appropriate license with a felony on your copy. Get the contact information from your local office for the license board to find out about your dedicated scenario.
Yes you can, but It depends if your office will adopt you as an employee and if the insurance commission will make available you a license.
Every company's contracting papers ask if you have be convicted of a felony. I think respectively company has their own guidelines on who they will contract in relation to felonies. I also contemplate it will depend a lot on the crime, too. The ultimate contract I completed asked if I had ever be convicted of a felony with the exception of a marijuana possession. So, I guess they meditate smoking pot is no big deal! I thought this be kind of strange myself...