In a strength insurance policy, a statement that an applicant won't be covered for a indisputable pre-existing condit
Question:
In a health insurance policy, a statement that an applicant won't be covered for a trustworthy pre-existing condition is called a/an?
Answer:
unanimously they are referred to as "pre-existing conditions"... and are on a case by satchel system. Items that just flat out aren't covered are referred to as "exclusions"
restriction on pre-existing conditions?possibly
It depends on the pre-existing condition and time period. If the pre-existing condition occured smaller quantity than 2 Years than chances are that you will be considered High Risk. If something that happen 5+ Years with no recurrences, than you will not hold any issues. Chances are slim that Insurance company is going to say NO, a bit the Cost of the Premium will increase, as there would be greater/substantial risk to insure you.
Before buying, don't be afraid to shop around and ask assorted agents on their perspectives/suggestions. Also, if you are AAA member, step to their local office and they might be capable of point you in the right direction.
It's call a rider.
In common discourse it's called "rider."
In more formal dialect it can be called an "backing," or "exclusionary endorsement."
Most folks call it a "rider."
local alliance?
Question:
can my union force me to lift health insurance thru them,even if insurance is self funded and premium are taken from my money
Answer:
Yes. Now, if you be NOT unionized, your EMPLOYER cannot force you to take the form insurance.
What kind of friggin grouping makes you take-home pay for your own insurance?
Check your Union Contract. Ive never heard of this.
Question just about insurance policies?
Question:
My grandfather died last year & while attending his funeral within Iowa my mother in formed my brothers & sister & I roughly speaking our other grandmother having an insurance policy for respectively of "us". My question is is in attendance an average or minium of life insurance? I hear commericals adjectives the time for thousands of dollars & can't believe my grandmother got one for adjectives of us that high. After adjectives she never worked after her husband my other grandfather died in World period of war 2. So she has since lived on fixed funds. I just be wondering if what the smallest average amount for policies are?
Answer:
we took out policies out on our kids when they were born.. 25,000 respectively, premium was 50 per year. but within was a purpose, I'm diabetic.. they be perfectly clean. the type of policy we got for them... at 18 yrs, they could double the frontage value to 50K, 75 prem., at 21, double it to 150.. 100 premium, 25, again, , 30 again... never a strength exam.. guaranteed insurability up to 1,000,000
I've also seen policies for a facade value of 1000. it depends.
You can seize burial policies for as little as 1k death benefit.
Term policies usually start at 50k
Whole time policies at 25k
Other Permanent policies at 50k
So... it could be 1k or 50k... I'd ask or wait past I spent anything ; p
No, there's no average or minimum. The smallest policy I've ever seen be $500.
In order to collect, if you're the name beneficiary of a policy, you have to profile a claim with that insurance company. You might want to ask your grandmother BEFORE she pass away, for the contact information for that insurance company, so you don't have to verbs through 40 years of papers to find the information on the claim.
When do I have need of to enroll within Medicare if I plan on staying employed and covered by group insurance?
Question:
I am self employed and since my group is small, I am told my group insurance is primary. I will be 65 in two months, I am not drawing social wellbeing and I will continue to work for the subsequent 18-24 months.
Answer:
You will automatically get Part A at age 65 and will be eligible to bring back Part B if you choose to do so. You should check with you insurance to see if you will be better stale getting Medicare A & B and letting your group insurance be a secondary (supplement) policy. If you own drug coverage as a part of the group insurance, you will not requirement to get Part D (drug coverage) until you retire. If you don't own drug coverage, you should get the Part D as soon as possible to be influential at age 65 as well.
Now! and review the many options that medicare offer you, be wise and choose the best.
Good time! :)
You will generally hold to apply for Medicare during the period to be precise three months before the month you turn 65 and end three months after the month you turn 65. There are circumstances where you can postpone the application term but you need to follow the rules. If you don't apply when you are supposed to here is a 10% surcharge added to your Medicare premiums that never goes away.
My experience have been that if you contact the Social Security Administration they are tremendously helpful and up to date about how to work the system properly.
Unfortunately Yes.
My dad did not register for Medicare for several years after 65. Now he have been required to sign up for it at a frightful penalty compared to my mom who did sign up more rapidly.
Compounding the problem is the newer prescription program. If you miss the deadline, you may be nailed an more 1 per cent per month until you do. The problem is enrollment is only possible at lasting times of the year.
They want you to sign up ASAP. If you don't then they will penalize you respectively for year if you decide to sign up then. Plus you will probably be required to sign up when you retire. Medicare will become primary and your present insurance will become secondary. Check beside your employer and present insurance.
According to the financial senior newsletter, you want to enroll now! Waiting will cost a secure % each month you dawdle for life.
The financial senior is at http://www.reversemortgagepage.com...
Issue pretaining to insuring something from any estate?
Question:
My Grandmother resently passed aways & left my brother & I respectively life insurance policies while her estate go to my mother. My question is that going through her possession to supply the house since it's in Illionois & not a soul lives there. My mom asked if at hand was anything my brother or I looked-for like furniture, pictures, etc. My put somebody through the mill is that if I take a rug or bed frame or dresser, doesn`t matter what, is there something I will to valid the item for appraisal or mart in the even it become necassarily? I put my name as did my brother on a few items respectively like dressers or rugs what hold you & some are quite prehistoric & it's been recommended that I draw from insurance in baggage of theft or more feasible accidential damage utter by a flood or fire so that in that event adjectives would not be lost & my grandmothers wish to "benefit" us would still budge on. Just wondering.
Answer:
Until you move the furniture out of her house, it's still in the posession of her estate, and covered beneath HER homeowners policy, if she had one. If she DIDN'T hold one, the executor of her estate (your mother?) can put one on the premises until the house sells and everything is moved out of it.
Once you "lift posession" of it (which means, nouns it into a moving van, putting your name on it doesn't count for taking posession), after it's covered under YOUR homeowners or rental policy, but NOT for Flood, unless you buy a seperate flood insurance policy. It's also not covered for wrong by insects such as termites, rot, mold, or other neglect type issue.
If they are antique items I would plainly look into getting them appraised and price quote some personal articles policies (insures your valuable items at their appraised helpfulness, not deprecated) most insurance policies have a clause where on earth your antique chair worth $1000 would simply be replaced with a stool - not recognizing it's individuality. If you are inheriting something of value, you should rob steps to insure it remains valuable.
When you inherit items (rather than cash), the items slip away to you at their fair souk value at the time of demise. They are taxable based on that effectiveness, and they become yours as if you had purchased them for that pro.
(Right now, the lone estates that are actually getting hit beside the estate tax are somewhere north of $3 million contained by total value.)
Whether or not you insure them is up to you; they're yours presently, as if you had gone to an antique store and purchased them. Your grandmother's wishes cease with the verbs of her property.
Separate policies for individual property isn't cost effective. Your mother should hold a homeowners policy on the house and it's contents. If individual items are of a known glorious dollar value next they should be documented and listed surrounded by the policy application.
If your mother doesn't have a policy afterwards you should pick up the items and include them on your policy or your renter's policy.
Do burns victims seize a discount if theyre cremated ?
Question:
Answer:
You sick tw*t. But thanks for the 2 points
YOU PLUM! No Amputees do!
that might be a sore subject for some!!
hahahahahahahahahahahahahahaha... thats deeply funny man
Your sick question have been asked previously.
Why don't you light yourself aflame, die and see for yourself!!
haha
To ask a question approaching this you must be one sad soul
you are one sick puppy
Yes, and if you died of asbestosis, you have to recompense more.
I'm sorry but i was watching an interview this morning near a little girls whose frontage has be disfigured forever because of burns and your question is merely sick
***-on baby reading light my fire. i don't know but i bet he has great orb of fire
Or maybe if in attendance old flames come to
THAT'S NOT FUNNY AT ALL !
no because you are still doing one and the same service.
it's like going to a shop and buying a top which is a size 14 and your a size 10 and want a discount
I'm reporting you for repetition.
I'm sure that if you ask other the funeral director will leave a cheque for 100% discount inside the coffin.
You are funny.
No.
That's messed up.
No but hefty people really do own to pay extra because it take longer to get them done adjectives the way through.
no...but their domestic does...xxx
Can i settle the other motor mischief myself after be reported to the insurance comp.?
Question:
I would like to remuneration for the damage myself since the disrupt is $700 and my deductable is $500,in direct to avoid premium increase,or will it go up anyway?The insurance appraiser will see the coup¨¦ monday.What can i do now? thank you
Answer:
OK, first of adjectives, you don't have a deductible for what your policy pays the other guy.
Second of adjectives, most states have a dollar threshhold, where on earth the accident is NOT surchargable, if the payout is beneath XYZ dollars. Usually it's around $1500, but you can call your agent to ask them if there's a surcharge threshhold within your state.
So, if the damage is really solely $700, this accident is feasible under the surcharge threshhold, and it probably won't elevate your rates.
If you pay out of pocket, capably, the accident is still on story as an at-fault. So I don't think it would benefit you at this time. Now, if you could enjoy done it BEFORE it went into your insurance company, that would hold been a appropriate thing. But it's wet under the bridge immediately.
Your insurance company knows so your rates are gonna walk up anyways. Save yourself the original $200 and pay packet your deductable.
in most areas yes.. be paid sure to have estimates. if you can earnings to the ins company and get a realease
You sure can. That may avoid a claim payout by your insurer, but immediately that the accident have been reported...it may still count against you.
You obligation to call your agent right away and ask him or her if your insurer will consider 'hypothetical claims' within its rating decisions (which are used to determine how much your premiums are).
In some cases, in recent times calling to ask about a potential or hypothetical claim is ample to trigger a bad outcome on your premiums.
So you may already be too behind schedule and it may be time to try to shop the market and grasp a different insurer that won't rate you on such ghost claims.
Since the Insurance company already know about it the claim is already surrounded by the system.
If the accident be your fault and the claim is self handled below the Collision Coverage of your policy you can expect some rate adjustments come renewal time.
If the defacement to your car is from another personage who is at fault (regardless of whether they hold insurance or enough insurance themselves) the stroke of luck won't be counted against you (thusly named a Not At Fault accident).
If however the claim is anyone handled underneath the Comprehensive coverage of your policy then you shouldn't expect to see any rate change come renewal time. Comprehensive claims are almost universally not counted against you for rating purposes.
Insurance companies base the rates on Incident rates and later by severity (with some companies an At Fault accident of $20,000 is equal to an At Fault disaster of $1,000, others may have varying thresholds of severity beforehand counting things against you).
The unfortunate item is it's already in the Insurance companies library, which more than likely technique its been reported to a claims database which most Insurance companies presently participate contained by. And that means if you try to switch companies the other companies will probably find out in the region of it and rate accordingly to their rate setup.
Almost adjectives Auto insurance comapanies (unless it's a really bizzare one) give you the choice to any pay the deductible and the company will cover adjectives other expenses and increase your discount level/premium OR have you remuneration out the whole claim cost and make tracks your premium the way it used to be. It really depend on the discount smooth that you have and adjectives depend on what companies your dealing. The premium increase might not effect you all that much... Best suggestion for you is to phone your Auto Broker and they can assist and figure to see how both options might effect you.
What if near are 3 kids and the oldest is the beneficiary but is not doing the leg work to collect ins. pymt
Question:
Could any of the 3 kids(all adults) check the status of the claim? It is pushing 90 days since he said he filed the claim on their mother's group life span policy. Why would it be taking so long and should someone else be checking?
Answer:
I assume we're talking almost a LIFE insurance policy here?
The executor of the estate, or the beneficiary, can check on the status of the claim. No one else has a legally recognized right to that information.
Actually, if the oldest is the beneficiary, you have no track of knowing if the claim was certainly paid out to them or not - it's private information between the executor, the beneficiary, and the insurance company.
First rotten, question. You utter the oldests is the beneficiary? If that is accurate next only the oldest stands to benefit. So why would the other two hold any interest at all?
Second, If you parsimonious all three are beneficiaries, later any of you could have file a claim.
Third, 90 days is not such a long time for a bureaucracy to work.
I should think that lone the beneficiary has satisfactory of an interest to check on the status of the claim.
Atty here, with substantial insurance claims perspective.
If ONE is the beneficiary then that ONE get it ALL.it has zilch to do with the other children...
Now if you penny-pinching Executor, then yes, someone should be checking...a advocate...
Sometimes it can take up to 6 mnths to grasp money back from a claim...especially ins...they don't want to pass up the money till they investigate.
Did the will list an executor? Usually the beneficiary is not the executor, but sometimes is if at hand was no will. If someone else is the executor, contact them right away. There are statutes in some states.
If he is the sole beneficiary nearby is nothing you can do. But if near is more than one any of them can check the status. When my Dad passed me and my two brothers were beneficaries and we have a check within 3 weeks. Follow up if you are involved!
Good luck and sorry for your loss
This is a sticky situation. Recently (within times gone by 4 months) I had two populace in my relations pass away, & my husband & I are responsible for carrying out both of their wishes & probating their wills. so I hold a pretty good perception what you are going through.
I think that adjectives three kids need to bring back together & discuss it, because although this is a very tender time & emotions are lofty, these things need to be taken guardianship of. If you are one of those kids, I don't see why you wouldn't be able to at most minuscule try to check the status of the claim. The worst thing you will hear is that you are irrelevant to receive the info. You won't get surrounded by trouble for trying.
At a time like this, everyone should try to abet each other out. Maybe the elder sibling is grief-stricken, or overwhelmed, & that's why they are having a tough time getting things done. It is a lot of responsibility to be executor, & nearby is a lot of work to be done.
I hope that this be helpful & worthy luck to you. I'm sorry to hear about the loss.
Ins. Companies are pretty pernickety on who they talk to... unanimously the beneficiary is the only one who they will answer question from. If you're antsy about it... I'd return with a power of attorney from the beneficiary and submit it to the insurance company.
Urine test? for life span insurance?
Question:
What do nurses check for in urine test for life insurance?
Answer:
First, the urine heat will be checked and recorded. This prevents the proposed insured from substituting someone else's urine for their own.
Then, the token is tagged and sent to a lab where on earth it's tested for the presence of blood, white blood cells, cotinine (a by-product of nicotine) and sugar. Depending upon the insurer's guidelines, occasionally drug trialling will be done to check for the by-products of marijuana, cocaine and other drugs.
I hope this helps.
Generally, are you using drugs. Screening for diabetes.
However, specific insurance companies may request more specific test.
blood, sugar, bacteria, pH,ketones,
its routine
why? worried they will find something...iffy?
Also for nicotine
It is possible to discover diseases of many different organs of the body next to a urine test. The example can be taken alone if, for instance, the purpose is to find out if you suffer from cystitis or any of the below:
* blood in the urine may be a sign of different diseases surrounded by the kidneys, the urinary system or the bladder.
* sugar in the urine may be a sign of diabetes.
* protein within the urine may be a sign of a kidney disease and can be used to detect the early signs of kidney wounded from long-standing diabetes.
* drug usage
* nicotine usage
As you can see a urine test is a cheap, simple theory test that can provide a lot of noteworthy information.
Try getting an instant quote below. Policies start at as little as $3 per month.
Life Quotes: http://www.insureme.com/landing.aspx?ref...
Take care,
Ron @ InsureMe
How do I find out if I own money coming to me from a long ago life span insurance policy?
Question:
My Great Aunt bought me a life insurance policy on me at age 13, I dont remember the heading of the company and she is long dead. Is at hand a way to find out if I enjoy money coming to me from it being matured?
Answer:
Um, it doesn't work that means of access. If she's long dead, it's pretty past the worst to assume that the premiums haven't been compensated, and the policy is expired.
You don't get money when it "matures" - it's not a nest egg bond, sorry! Any cash merit would have be used up to pay the premiums after she stopped paying them.
To directly answer your request for information, there is NO CENTRAL DATABASE where on earth you can find out if someone has their enthusiasm insured. Sorry. If you don't have the pet name of the company at least, you're pretty much SOL.
if not a soul paid the premiums it's probably cancelled.
check your state comptroller website to see if money is due you.
Well you dont. Hahahahawishful thinking tho
Without knowing the name of the company it's nearly impossible to find a policy.
Chances are that whoever handle her estate would have found the policy when settling her affairs. They could not hold taken the money instead of giving it to you. It is likely that she agree to it lapse.
You can always check beside her state's Unclaimed Property site to see if you are listed.
Good luck!
Well if she bought the policy on her near you as the beneficiary then you have the money coming to you the moment she died.not when it matured.
If you don't remember the name of the company or if her house can't remember and has no paperwork on it.consequently you won't be able to return with the money.
There is no one interior repository that has the label of all policyholders and companies.
People come across to think in that is some grand master enthusiasm insurance database...but there isn't one.
One more example of whywhenever you buy energy insurance for yourselfmake damn certain the soul who is the beneficiary knows how much is here and which company it is with.
If you don'tevery dime of premium you remunerated gets shrunken if the beneficiary doesn't know to make a claim.
If she bought the policy on you and it is rewarded off.after she basically threw the money away because when you die...your heir will not know who to collect from.
You should go to her surviving children and see if they remember which company she have with her vivacity policy and see if they have one on you too.
respectively state has an unclaimed property dept. , or state controllers department. you can also try. www.foundmoney.com
on agerage how much does an insurance agent (licensed surrounded by property & casualty) brand a year within texas?
Question:
Answer:
Dpeneds! Do you own your own established agency, or work for one? Do you have a specialty or niche? Are you surrounded by a large city, or the boondocks? Most CSR's and vindication managers enjoy to have an agent license.
If you own a Job and are not an owner, a multilines personal agent can expect to make $20,000 to $25,000 a year. A multilines commercial agent can expect to brand name $25,000 to $35,000 a year. A large commercial tale manager can take home $40,000 to $65,000.
If you have no experience, you can expect to engender $15,000 a year.
The state doesn't matter. What matter is what kind of company you work for, what class of producing you're going to do, and what your contract states your commission % will be.
Ballpark, as a fresh beginner, 30-40,000 starting. 50-70 in 2-5 years after starting, after that, it's up to you.
Advice - Try to get on near a private insurance firm rather than a "name" company. A private firm can do buisness through more companies and thus proposal better rates than competitors. Think of it as a one-stop-shopping place for insurance.
HIPAA and Medical Assistants...?
Question:
How does HIPAA effect Medical Assistants? If you don't have the answer or cannot point me contained by the right direction, please don't waste my time or yours beside answers that aren't serious. Thank you.
Answer:
HIPAA affects anyone who works in the medical pen. The basic hypothesis is that all patients are entitled to privacy when it comes to their medical archives. If you are asking this question you necessitate the right answers. Do you have access to a HIPAA instruction manual? That's the best way to apprehend these requirements. I went to a workshop around it, and some of the rules would scare you to demise.
i am not sure exactly what you mean contained by what way. Privacy near the patient's family, tittle-tattle, payment, treatment, operation? HIPAA affects all however those falling underneath the PTO (payment treatment operations) may talk next to one another. meaning, Dr to insurance company. Billing company to Dr organization, Billing company to insurance company etc. it does not however give free reign to make conversation with those outside the PTO in need authorization from the patient.
For a start, it requires you to toy with medical info professionally, something you might have a easier said than done time understanding near your attitude!
Anyone else ever own problems near e-surance?
Question:
someone with their insurance hit me and i get injured and they're taking forever to give me my strain & suffering & loss wages..
Answer:
If it is indeed their driver's fault, you will draw from paid.
I don't know if you've already made a claim beside them, but if your claim was instrument out of line.or if you used an attorney who shot for the sky hoping to capture you a big dollar amount.keep on waitingthey'll obstruction you as long as they can.
However, you could have your money inwardly two weeks if you ask for a reasonable amount.
The medical bills and lost wages are natural. They known.
But when you mention agony and suffering, that is terribly subjective and if you are way out of linethen you'll predictable get the slowest response.
However, if you business deal honestly and reasonably beside the insurer, you'll be paid and with alacrity.
And, if you didn't use a lawyer, you'll come to an end up getting more money.
no. i didnt have any
i do it beside my agancy at
http://www.gosafe.co.il
is vigour meticulousness equal to medical insurance? and wt does medical insurance do? should i procure one?
Question:
Answer:
Healthcare would be the care you receive for any medical attention wants one would have. Health Insurance aka medical insurance offer you pre-negotiated rates(ppo) or pre--paid services (HMO) for medical attention you receive, this pays for medical attention but is not the attention itself.
In America some plans offer both, Kaiser Permanente owns its healthcare plan and offer health insurance plans, as they certainly employee doctors and own hospitals, below its Foundation. Whereas in comparison Blue Shield/ Blue Cross type of insurance co's do not hand physicians or own hospitals, they contract with these entities and clear them for services.
Should you get one? Absolutely, yes a accurate health plan should be obtain by every single american, several ways to obtain it- freee social services if you hold children check with MedICal and social services contained by your area, if you are employed check beside your employer, and if you are self employed I would suggest you do research on PPO - HMO - HSA type plans, and pick one that fits your lifestyle.
Rudy Rivas
www.HSAInside.com , President
Yes No Maybe ya it is
Health insurance and medical insurance are synonymous. Generally, people near health insurance are in good health than people short health insurance, and they are far more feasible to get the medical attention and prescription drugs they obligation, when they need it. I’ve included a contact to a summary of a Kaiser Family Foundation study exploring the link between insurance and form for children. It shows that having robustness insurance is much more, well, hygienic than not having it. Medical bills are also one of the principal causes of personal collapse in the United States.
Health/medical insurance help you pay for medical bills surrounded by exchange for monthly premiums and often a portion of the medical bills. In the Sources slice, I’ve linked to a couple of articles which do a terrifically good brief of walking you through what health insurance is and how you might budge about select a health plan.
If you want to cart a look at multiple health plans and compare prices and features, at hand are many Web sites that you can stop by. MostChoice.com is one that allows for easy condition plan comparisons and can put you in touch next to local area agents – minus any obligation or cost.
Check it out here:
http://www.mostchoice.com/health-insuran...
Hope this help,
Barnes@MostChoice
Health caution?
Question:
i have be paying $200 per month for health coverage through my employer that just covers 15%. does anyone know of a good group insurance that costs smaller number?
Answer:
insurance coverage is a tough issue. try to find an employer that pays at least 50% and uses a appropriate carrier.
Your grill is not clear.
What do you mean it singular covers 15%?
Anyway, just poke about for health insurance and put your contact info on simply one site for a quote. Several agents will call and assist you on the phone.
You better have your plan contained by front of you and understand the benefits.
It's unyielding to believe that your employer would have coverage on their employee's i.e. so bad. You stipulation to check your Summary Plan Description (Benefit Booklet) for the exact coverage percentage, co-pay, deductible, out-of-pocket amount and stop loss amount. You may have received a service that be partially not covered or a immense amount was applied to your deductible or you go to a non-participating provider. If you're paying $200 per month for a single person, than you're getting ripped bad. The only route that you can get other group coverage is to cash employers or belong to an association of some type to qualify for their group coverage. Good luck.
It can't be that it solitary covers 15% of the medical expense.
Most states would not allow that coverage.
It has to be that your $200 per month premium pays 15% of the premium costs and your employer picks up the other 85%which is in the region of right for the average family insurance premiumwhich is in the region of $1200-1500 per month.
Have you actually used the plan.within other words gone to the doctor and had to wage 85% of the bill?
Likely notyou are confused.
If you are not certain, beckon your employer's HR person and ask more specifically how much your plan pays to the provider and how much you'll be responsible for.
If they don't know, phone call the insurer with your policy number and ask them.
I've never, ever hear of a plan at that rate that only pays 15% of the expenses and leaves the policyholder next to the rest.
If that's the case.a moment ago opt out of the plantake the $200 and put it in an side and just hope you don't gain really sick.
Maybe you can try below website to get the information. It's in the region of how to find a good form insurance provider articles for your second opinion