Can an HMO revoke somthing that they enjoy already approved?
Question:
Insurance company will not approve operations if they are deem cosmetic only. My insurance company might own mistakenly approved a surgery for me because it did not have adequate info to know if it was going to enjoy any benefit besides cosmetic. Can they revoke their decision if they are informed by a third entertainment that it might have be a mistake?
Answer:
An insurer has the right to retroactively revoke its approval of a procedure if the initial judgment was wrong and the incorrect decree was contained by direct conflict with their contract. In your satchel, hopefully the reversal happened until that time they did the procedure. The insurer has more leg to stand on if they entrap this pre-procedure. I'd fight it more if you already have the procedure done and they were trying to find out of paying after the fact.
Your policy (contract) will spell out the language of what is and isn't covered.
If there is a dispute over what it covered to be exact due to vagueness within the termsthe default surrounded by most states goes to coverage, fairly than to denial
If this is the casevagueness in policy termsyou should first try to work it out next to the insurerand after you've exhausted your appeals with themcontact your state's insurance regulator...usually the State Department of Insurance.
What evidence you enjoy that they didn't have adequate information? Do you think your doctor might own made a mistake on the form? Unless you know what mistake and whose mistake, it's hard to convey what will happen. They may never find out. But again, they may find out and convey you a bill, in which luggage you may be able to negotiate. The request for information is how likely you ponder they would be informed of the mistake or will find out on their own.
Yes, but you can make them honor the untested decision, if you enjoy it in writing from them.
Have you read your CONTRACT near the HMO? This details your rights and duties and theirs as well. This should be the particularly first place that you look to find out whether or not this is within their rights. Secondly, the law of your state are available online at the web portal of your States' Secretary of State Office and should be read to further know your civil rights in this admiration. Thirdly, as unconscionable provisions of a contract are not enforcable, it behooves you to consider a law suit if you still have a feeling that your rights have be violated. Whether you bring suit yourself in creature or through a lawyer is up to you. Nobody on RunEye.com can answer this press without looking at your contract and reading over the tenet that is every citizens' duty to be individually familiar near.
I do not know what state you live in, but I would find out what the address of the Insurance Commission Department is and directory a written complaint. They will act on this and investigate. Usually you can find the address from the state capitol where on earth the department of regulations are. I wish you the best of luck. Most of my craft was dealing beside insurance companies and how some rip off anyone! Best of luck.
The definitive answer to your examine lies within the insurance law of your state. Contact your state's insurance commissioner's office for suggestion. All insurance commissioner's offices hold investigators who will look into complaints such as yours. If your HMO is unlawfully denying the claims, it can be ordered to pay.
For example, contained by my state, an insurer cannot retract a preauthorization for any reason once it's given, so long as it's not be lied to. If the coverage is still in effect on the date of service, the possessor MUST pay, even if the service is excluded from coverage.
States minus this type of statute can still rely upon the doctrines of "waiver and estoppel." While your insurance commissioner may be able to assist you next to this (depending on various laws), this may be a thing you have to privately litigate.
Another issue that I suggest you should discuss with your insurance commissioner's department is the "third party" you've referenced. On what basis did this third gala have the right to convey such information to your HMO? It is possible this third event violated your right to medical privacy, pursuant to the HIPAA Privacy Rules and any similar laws within your state. Here's a link to a brief summary of your rights:
http://www.hhs.gov/ocr/hipaa/consumer_su...
If you get the impression your medical privacy was violated, you can profile a complaint. Here's information on how to do that:
http://www.hhs.gov/ocr/privacyhowtofile
I hope this helps.
It depends on various things.
They can take posterior approval if there be a fraud or misrepresentation. If you or your doctor lied to say something be medically necessary when it be not, they can revoke the approval.
If they required more information about the surgery, they hold the ability and right to request it in the past making a decision. However, once they construct a decision, here are certain obligation that go beside that. Unless it is specifically in the contract that they can revoke pre-approval of a procedure, they are presently subject to legal estoppel, which medium they are committed into it.
Preapproval for services really doesn't mean anything. "Actual benefits are determined when a claim is received" - I own heard this statement so plentiful times I say it next to the insurance reps. Insurance companies can do basically anything they want when they get the claim. Then, you enjoy the right to appeal any decision you don't agree next to. It's time consuming and often frustrating, but insurance companies count on that. (They hope you right to be heard "Screw this!" and pay the bill so they don't hold to.)
(For example - and this is a little off-topic, but proves my point - I know of a travel case that when you call an HMO, they enjoy the proper PCP listed for the forgiving, but when the doctor submits the claim, it's denied because that doctor isn't PCP. Meanwhile, when you appeal the claim - you win because the insurance company messed up. )
BUT - pre-approvals for things like surgery, because they're not cheap, are usually scrutinize closely - the insurance doesn't want to pay for anything they don't unquestionably have to. The being approving or denying the preapproval is supposed to be a medical director, therefore, if they're not aware of what EXACTLY your surgery is, that's their mistake. Just trademark sure you have EVERYTHING related to the preapproval within writing - often the insurance company sends a communiqu¨¦ stating it.
I own a drivers liscense but no card and no SScard or Birth Cert. how do i walk going on for getting one?
Question:
I lost my drivers liscense i have a number but no card. Also i own lost my social security card as okay as my birth certificate. I am lawful of the United States, but i cant get a assignment nor can i apply for credit, go to university...etc. someone please help me i freshly want to live life close to a normal human being!
Answer:
START BY GETTING BIRTH CERT. FROM COURT HOUSE...
THEN DEPT OF SS AND GET YOUR SS CARD.
AND THEN DUP OF DRIVER LIC..
AND FOR FUTURE SAKE--
MAKE COPIES OF ALL IMPORTANT PAPER/DOCUMENTS/CREDIT CARDS ECT AND KEEP IN A SAFE PLACE.. (MEDICAL RECORD REALLY IMPORTANT)
EVEN HAVE AN ADDITIONAL COPY OF THESE KEEP WITH PARENTS OR GRANDPARENTS...
FIRES.THEFTS..ECT HAPPEN BUT WE CAN BE PREPARED...
LIKE HAVING EXTRA KEYS FOR HOME/CARS WITH THOSE SAME PEOPLE
No idea. Sounds close to you are SOL. You had best converse with an attorney. And yes, that will cost you.
Order a copy of your Birth Certificate from The Department of Vital Records (or the equivalent) for the State where on earth you were born.
Go to the Department of Motor Vehicles, speak about them you lost your driver's license.
If you have no card you own no license. your required to have that surrounded by your possession when you drive. Easy fix, do some illegal within front of a cop, 1 - they will point you in the right direction to take it back (via a couple court dates) and 2 - they will find out if you are allowed, which IMO, i don't believe you are. if you have no assignment, who might be paying for the car? You don't know your own SSN#. I suggest you truthfully ask yourself one examine. Are you really legal surrounded by the USA? lemme guess, someone stole your dog too. It's all B.S.
Contact the county that you be born in.. department of imperative statistics.. I don't live in the state where on earth I was born anymore.. so it be a phone call for me and a credit card charge... $5. per copy for my birth permit get a couple
Go to the social wellbeing office..bring back a new card.. I suppose now surrounded by most offices you hold to fill out an application for a up to date one.
It's going to take some time out of your rota.. but it's gotta be done..
In the meantime.. you should be ablt to go to the Dept of Motor Vehicles and contribute them your DL # and they should be able to look you up.. at lowest give you a temp.
I be stuck out of state.. my DL was expiring.. the state that I be visiting.. I have lived in 2 yrs beforehand.. I went to the DMV.. told them.. give them my old DL#.. they found me.. told me that THAT dl be expiring in 2 days... lol
they considered necessary $25... so I got a lic within my old state till I get home.. then re applied for one at home.
I have 6 months to renew mine at home so I was OK.. but even surrounded by my old state I didn't want my birth certificate or SSN.. a short time ago my DL number
how much does the medical malpractice insurance cost for physicians at the present time?
Question:
Answer:
A way lot. It can be as low as $5,000 a year for a first year element time podiatrist in Iowa near no claims, or Millions, for an ob in a focal city who's been practicing for ten years, and have a dead child once a year (not his fault).
Rating factors include: years contained by practice, city & state of practice, weekly number of hours working, type of practice, type of procedures done, and claims history.
Good question. It depends a a large amount of variables. The premium is often determined by the specialty type, the location of practice, and if illustrious risk procedures are done by the phsycian.
The answer can be a "low" as 15000 dollars a year (pre-tax) up to over 250,000 per year based on the variables discussed above. A broad practice doctor with out obstetrics surrounded by the Midwest will pay at the low extremity. A OBGYN in Las Vegas or Florida will foot at the high back.
Most insurance companies are getting out of this business because despite the high premiums in attendance costs are equally variable and can be truly elevated (EG one patient's Vioxx case cost them close to 250 million).
Hope this help...
It can range from $25,000 to $100,000 annually.
if you want vivacity security you hold to check more info
http://www.freewebs.com/getinsurance...
Some one put in the picture me what anticipate for motor insurance , home insurance,travel insurance, robustness insurance and vivacity?
Question:
some one tell me what anticipate for motor insurance , home insurance,travel insurance, health insurance and energy
Answer:
Motor Insurance, or automobile insurance, protects you if you are ever in a sports car accident. It can assist pay for sports car repairs and any injuries you may have if you draw from hurt.
Homeowners Insurance protects you if your house is robbed, or is destroyed by fire or heavy storms, or is someone is hurt on your property (for example, if they tripped and fell on your destabilized sidewalk, or if they were bitten by your dog)
Travel Insurance protects you if you bought airline tickets or a hotel room, and afterwards are not able to budge on the trip for an unexpected object. You could get reimbursed for the money you spent on plane tickets, hotel reservations, and things approaching that.
Health Insurance helps you salary for your medical needs. It can oblige pay for regular doctor visit, emergency room visits, hospitalization, dentists, and frequent others, depending on the type of health insurance policy you hold. Many people (in the U.S.) obtain health insurance through their place of employment.
Life Insurance protects your house in the event that you die. You rate a specific amount, or "premium", and in return the vivacity insurance company promises to pay a specific amount of money to the person(s) you choose, after you die. It does not typically cover suicide.
Every type of insurance is fundamentally complicated and detailed. You should carefully read any insurance policy that you are thinking in the order of buying. An Insurance Agent can help you find the right insurance policies for your requirements.
Hope this helps.
She's much nicer than I am. I would own referred you to wikipedia.com.
know here. http://www.anrdoezrs.net/click-1748196-1...
A good place to move about for in-depth travel insurance information is: There is an insurance glossary and definition section as in good health as sections that break down coverage benefits.
http://www.squaremouth.com
If you are from the UK afterwards try:
http://wwwsquaremouth.co.uk
Health Insurance within NC?
Question:
Recommendations for Health Insurance in NC for developed and Child. Any good experiences near service and cost?
Answer:
One option you own for health insurance surrounded by NC is to compare plans and rates through InsureMe.
InsureMe is one of the leading online strength insurance quote providers, helping millions of consumers shop for insurance online since 1993.
You fill out one form, one time and compare up to five free quotes from central health insurers general. To Request a free, no obligation quote, Go to - http://www.insureme.com/landing.aspx?ref...
eHealthinsurance.com offer you side-by-side quote comparisons from a large introduce yourself of health insurers across the country.
I hope that help! Take care and best of luck!
You could try this site for strength insurance information for North Carolina. http://insurance.divinfo.com/
I don't have any personal experience surrounded by your state. Good luck!
i live in NC and enjoy blue cross...its really good
Cigna! I construe they have group of one policies, and small business. Not sure nearly individual...
I found this http://geobay.com/bdd109 article it should answer your question it have some good information on strength insurance and how to find good deal.
If I buy a permanent status insurance policy for 30 years, what happen if I live more than 30 years?
Question:
Answer:
There is many option you can take when that happen
1) If you invest $100-$300 a month into an IRA and your portfolio earns an average rate of 10% over a 30 year spell, you can have at lowest possible 6 figures contained by your IRA account. In 30 years, you may not involve as much coverage as you do now. So you can lower your coverage to hang on to the premiums low or about like peas in a pod.
2) You may exchange it for a smaller term policy such as 20 years or 15 years or 10 years.
3) You may convert it to a dosh value life span policy.
4) You may renew it without have to provide proof of insurability.
Anyway, there are lots things you can do and you really won't know your financial situation in 30 years. Until next, you should buy the right amount of coverage needed to protect your family and invest your money into tax-deferred accounts.
Don't beneath estimate the power of investing. If you invest now, you can potentially become self-insured, goal you won't need go insurance anymore. In reality, no body really want any type of insurance. It cost money and there's a chance zilch can ever happen to you. But since you don't enjoy lots of money saved right very soon, that's why you would buy insurance. As you continue invest your money, surrounded by 30 years you probably won't need vivacity insurance or as much coverage.
To answer your final question give or take a few premiums going up, yes your premiums will go up if you hold the same coverage and alike term length. But you won't know what you inevitability in 30 years. In 30 years, you can make over the coverage and the term length or even rescind it so that you can save more for retirement.
You own no insurance and have to buy a exotic policy.
well, i asked a co-worker and she say, nothing happen you just dont salary for it anymore
You become uninsured. The policy expires at the end of the 30 year permanent status. If you still need insurance, you'll necessitate to take out a up to date policy.
you get nought.
Depends on the policy.
At the end of the possession, some policies have no option, they just appendage. You will need to win a new policy (hopefully you will be surrounded by good health).
Some policies covert to a annual occupancy policy after the 30 years but the rates go outstandingly high. The single people that would help yourself to that option are those folks that can not get a unusual policy (because of age/health).
Most companies will let you convert your permanent status policy to a whole natural life. Some will let you just do this during the first 5 or 10 years. Others will let you do it anytime. That money that if you had a $300,000 residence policy that was 19 years feeble and getting ready to expire you could covert it to a adjectives life policy for any amount up to $300,000 minus evidence of insurability (your health).
Buy Term & invest the rest to overcome this problem.or buy whole-life or universal insurance which will cover you for the full natural life,but they cost a bit more.The best & the cheapest one is the Universal insurance which could be paid bad in purely 10 years,provides coverage as long as you live,get your money vertebrae at retirement,still be covered,never make any payments after 10 years.
For more info convey me email respbonus@yahoo.com I'm a certified financial advisor,could save you thousands $$$$$ within tax.
Once the 30 year possession ends, if you have no other duration insurance coverage, you're uninsured. And yeah, taking out a new policy 30 yrs from very soon will cost you plenty in premiums.
But perchance your life insurance wants are such that you don't need that much 30 years from presently. Hopefully you have ample assets built up then that, if you should leave behind on afterwards, your beneficiaries will be able to knob them.
You make sure it's renewable AND CONVERTIBLE. Then you renew it, if you still involve it.
Yes, you'll pay a much complex price, but if you DO THE MATH, and add up what you WOULD Have be paying for whole life span, you still come out ahead.
Term costs about 1/10 of total life. So, if you repay $300 a year for term, for 30 years, you've save roughly $81,000 in premium (which could hold been earn you interest!) so when you renew it, so what if you pay $3,000 a year immediately? The INTEREST off your prior hoard can cover that! So that makes it a short time ago like FREE INSURANCE.
Look at a Return of Premium policy if you want money rear. You will be paying more, of course, but overall if you don't die you will capture your money back. And unsurprisingly the premiums will still be less over the permanent status than the actual policy's payout.
A 30 year term policy expires after 30 years & you don't own coverage. Most people grain that they will be well ample off by that point & don't mind the policy closing moments. You may want to try a website that compares multiple companies at once to get you the best price. I am paying smaller number than 1/2 after I did. The policies start at around $2 per month.
Go to: http://www.insureme.com/landing.aspx?ref...
Take care,
Casey
A 30 year policy expires at the shutting down of the 30 year term. If you hold purchased a policy that has a guaranteed renewable authorization on it, you will be guaranteed an offer to renew the policy at that time. It will be more expensive, but this is a intensely important preference. You may be very sick and uninsurable at that time, and be turned down for energy insurance otherwise.
What percent of parents die, while thier kids are lower than the age of 18 contained by the US?
Question:
Could also be actual numbers, how many times surrounded by a year does an insurance company like Met Life, money out to children who have lost one or both of thier parents?
I am debating on getting energy insurance, but I am already covered through my job and be wondering of anyone actually know the statistics.
It seems insurance folks, almost "shock the system", near irrelivant statistics, like 70% of adjectives people die short insurance, but fail to put it into context. Or "would you risk your childs adjectives by not having it?"
Yet here are traditional ways to invest and save, and the insurance companies after adjectives make profits within the Billions every year... Hummm,,,
Answer:
MOST parents set up their life insurance so that children DON'T receive the money- but the guardians do.
To directly answer the cross-examine, NO ONE COLLECTS THE NUMBER YOU ARE LOOKING FOR. You're closest bet to find the number, is to see how many hot claims there are respectively year, for social security survivor benefits for minors. I believe you'll hold to look it up 50 times, once for each state.
I hope you're not compiling stats contained by order to gross a decision as to whether it is appropriate for you to purchase duration insurance. Insurance companies are businesses in a violently competitive industry. That they make a profit should run without truism. In the case of any properly underwritten policy, the likelihood are actuarially in the company's favor, in recent times barely. The ask you need to ask is, "what would occur to my children in the unlikely event that I or my spouse died."
The discussion of positive and investing for such an occurrence is a completely moot one. If you haven't ALREADY amassed the funds essential, your family isn't taken charge of.
Term life insurance for relatively babyish, healthy general public is so inexpensive it is shameful not to possess it. Permanent coverage is often a more cost impressive option when applied to the correct scenario.
Don't crunch numbers. Take concern of your family.
One piece for you to also understand as ably as Mbrcatz17 has put, is that the insurance companies dont money put to children under 18. So if anything be to happen to you, the funds would be put into an justification for them until they turn 18. That should best be handled by putting the beneficiary as an mature that will take meticulousness of the children.
Insurance is not that expensive, that you are thinking of not getting it. Even if the statistic you are looking for is 5% (completely made up by me), do you want to risk being within that 5%? Even if you dont get what you 'statistically' should capture, get some so that your people will not have to suffer additionally because you feel like you could play the likelihood.
If you needed a mortgage what would you do?
Question:
Answer:
bank, mortgage broker, lottery ticket
Save up for a deposit, stop by a building society...beg?
Check beside a leader. They will pre-qualify you once they check your credit, financial informations, employment history, etc.
You entail a reputable Mortgage Broker. Ask friends who they have used and gossip to them.
Best way to win a mortgage is through a mortgage broker.Its much more easier.
Go see your local banker...but shop around, the rates will differ from wall to bank especially if you hold a good credit rating.
Remember, you are buying a mortgage so don't agree to the banker chew over they are doing you a favour. Lending money is how the bank's generate theirs and they need your business.
seize one
Go to a Building Society? Or a Financial Adviser?
If you haven't got a deposit you can find 100% mortgages but they often own higher interest rates and penalty for early repayment.
travel to the builders merchants and buy a gage and a bag of mort. mix them together surrounded by an orange bucket, pour the contents onto the floor if this fail to work use a blue bucket.
well thats what i'd do.
Go to a correct mortgage broker, not a direct bank. The mortgage broker will be capable of have so masses more options and programs for you than the hill would.
I would go to a mortgage broker.
Go and see an independent mortgage counsellor. www.thepremiergroup.co.uk
fix up your credit
and apply
make sure you own a clear amount of how much you realistically afford
Once you've got your deposit - typically 5% of the purchase price of the property you after need to find a lender. If you've a biddable relationship with a mound speak to them but check their rates first. Or check out best buy mortgages to see who is offering the best deal http://www.money-news.co.uk/guides/best-... Or you can shift through a mortgage broker who will find you the best deal and do most of the work within submitting the application form but will charge a fee for their time.
Best to check how credit worthy you are earlier you start - a free check is http://www.money-news.co.uk/borrowing/cr... You can still get a mortgage if your credit rating isn't that righteous but you might have to put more deposit down and foot a higher interest rate so other shop around.
Can anyone speak about me find cheap medical insurance & home insurance ?
Question:
Answer:
Here are a couple of good ways to find other on health insurance.
One, use the Yellow Pages to find a local independent insurance agent (one who represents several different insurance companies). Two, use one of the online services that connects near several insurers.
Either of those methods will let you compare several possibilities and pick the one that works best for you.
There may be similar services for home insurance, but I don't know of any specifically.
Here's one resource that list a couple of the online health insurance services that I've found to work okay...
health insurance- I lately switched from Cigna PPO $140 per month to Blucross PPo $98 per month. It depends on your age and current health.
Try the below website
If you want a ppo from $79 check out this comparison trellis site for coverage. The will quote you plans from cigna, bluecross, kaiser and so on.
They have guaranteed issue- no exam - previous conditions ok
IMMEDIATE COVERAGE
http://www.g13.us/healthins.html...
DO NOT listen to BT - he is endorse a PPO discounted price for services only. That is not condition insurance. You can negotiate the price yourself for free, and usually get a better price than the company that he is endorse can get for you. This is the stuff you see the cheap signs public relations on street corners! Ask your friends and family who they suggest you speak to. Find an independent agent that represents many companies to find you the best do business and some decent coverage.
check this for some support
My Homeowners Insurance cancelled me because I own a Pit bull?
Question:
My Dog is sweet as ever and wouldn't hurt anyone, why do Insurance do this to homeowners?
Answer:
Because 90% of liability claims paid out on homeowners policies are dog bites. And 75% of those dog bites are one of five breeds - including pit bulls.
So, insurance companies don't want to distribute liability insurance to people who own pit bulls, chows, dobermans, wolf/wolf hybrids, or rottweilers, sometimes german shepherds. Yes, little dogs bite more, but they don't do the reduce to rubble.
I know of ONE homeowners company that will write a policy with a dog exclusion - Foremost Insurance. www.foremost.com to find an agent essential you. The exclusion means, if your dog bites, you salary everything out of pocket. No exceptions.
Because of the hysteria that comes with Pitts, homeowners are newly trying to cover their butts. We can't have Pitts any because our landlords do not have a license to enjoy them on our property.
Certain breeds of dogs are marked as anyone high risk because of aggressive character "in general". That doesn't miserable your dog is aggressive, but they just own a lot of problems near the breed being aggressive. Sorry give or take a few your insurance. Start shopping around, and good luck.
Yup. That's because your dog is the exception. They are too much of a liability from a ruling suit for the insurance industry.
i am training to become an insurance agent. The reason why they caution so much is because its a dangerouse breed of dog... also roitweilers, dohbermans, chow chows. any breed that is overly agressive can wreak problems with neighbors, or potentially bite or mete out harm to population i know it sucks i have a pit of my own, i of late didnt disclose him in my report.
I dont blame them.
I have pit bulls growing up.
They were outstandingly sweet.They both bit the blood out of me.They also killed lots of animals--cats,dogs and undomesticated animals.They are killers.One of my dogs died when he bit the tire of a moving sports car.
Because the insurance company is unwilling to take on the liability for this dog. These dogs can do tremendous desecrate and can also kill.
I used to show dogs and I know that nurturing make a world of difference in the temperament of individual dogs. Unfortunately near are unscrupulous people out nearby who breed indiscriminately and of course, at hand are those who WANT them to be aggressive. Its a shame that all dogs of reliable breeds, and its not just pit bulls, receive labeled viscious. Having said this, I am also in the insurance industry, and own seen and read give or take a few claim after claim where companies hold paid out tons for dog liability. Many breeds bite; it would be nice of difficult to get hurt really unsuccessfully by say, a chihuahua.
Because of the statistics of dog bites - some breeds are supposedly more apt to bite than others. (Even though any responsible dog owner know it's not the dog breed, it's the owner, that makes a mingy dog.)
Some communites (especially condos, and planned communites) actually order certain breeds of dogs - similar to Dobies, Rotties, Pits, and German Shepards... Even though, everyone knows it's the little ankle biters resembling Mini Pinschers and Chiauhuas and Yorkies bite more than others.
because they are a HUGE liability. Ask your insurance agent if your company will let you sign a dog exclusion on the animal. I own one company that will, so check it out.
Insurance companies do not want to insure anyone that owns a pitbull. I read the answer from the person who is studying to be an agent. When you walk to another company you HAVE to disclose the fact that you own a pitbull. All companies will ask if you own pets, the breed and if they have ever bitten anyone. If you resolve to lie and articulate that you do not own a pitbull and there is a claim, the company can deny the claim because near was a substance misrepresentation (lie) on the application. They would then deny the claim and afterwards cancel your insurance.
Yes, it is possible. I do not know what insurance co you enjoy for your homeowner, but there are some company will hand over you a quote for your homeowner policy.
You have to filch an animal exclusion for your homeowner. Which means the insurance company will not cover your liability related beside any animal including your pit bull.
Check this site;
http://www.insureme.com/?refby=614785...
You will get the several quotes from the site next ask for the animal exclusion for your homeowner policy, and then you may go and get the home insurance.
What happen to my money compensated annually over and above a single premium surrounded by LIC's Future Plus Plan?
Question:
I purchased LIC's Future Plus Plan - Balanced Fund - Single Premium.
But I have be paying money into this policy every year.
So what happens to my money rewarded extra into policy?
Answer:
The money you pay surrounded by this policy will be invested in equity souk and your money will grow. You can redeem your money at the prevailing nav.
For more details you may contact me at pnkmurthy@yahoo.com
which is the best front services for permissible plans?
Question:
www.prepaidlegal.com/hub/phili...
familily legal services
attorneys
see website more more info
Answer:
we sold the pre-paid court for awhile in our agency... it be a bunch of crock... lol
you.
Where can i gain a resturant fire insurance quote?
Question:
where can i find a restaurant fire insurance quote?
Answer:
From different insurance companies.
Call some of them, and they will send someone out to present you a free estimate.
Any insurance agent that understands business insurance can offer you a quote. Your auto insurance guy may or may not know anything about business insurance.
Your best bet is an independent insurance agent because they write coverages next to any number of different insurance companies.
From a local, independent agent. It's going to depend on the value, protection class, and fire suppression system.
Most of the time, you'll also necessitate liability coverage and workers compensation.
Try the below website
My roofer does not enjoy insurance. Can I enjoy a legal representative write a no mar release so I dont grasp sued?
Question:
Answer:
If your roofer has no insurance, you enjoy no recourse if he does shoddy work! Get a roofer who's insured!
yes
and what if the roofer hurts a neighbor or passer by with falling materials, vehicle collision or the similar to?
Yes, that's a great idea. However, they could still sue you (and collect money from your homeowner's policy) if someone get hurt.
Your insurance company MIGHT not pay up, if they find out that you know ahead of time that the roofing company did not have insurance. In my town, I cant get hold of a roofing permit if the company isnt programmed with the city as have insurance.
Better safe than sorry.
Absolutely, do it immediatelyalso..if your roofer doesn't enjoy insurance chances are you might bring back a shotty roof job...better see close...i had a roofer try to tarpaper over big holes contained by the roof without nourishing in or replacing rotten wood..
every one have given you the answer. Saving a few $$ does not make a guarentee.
why would you hire someone who is not licensed, bonded and insured? you should do this to cover your flipside anyway. usually people can't obtain business insurance b/c they are hiding from the IRS and haven't filed for an employer psyche # (required to obtain ins.) or are so fly by hours of darkness they don't have plenty capital built up to if truth be told make a clearing for business insurance.
if it were me, i'd fire him on the spot and acquire a reputable contractor. in the long run it may cost more, but you'll be protected, so will the workers, and your roof will probably better too.
Why doesn't he enjoy insurance. If he owns a roofing company, they have to provide insurance. If he works for a roofing company, he is covered by their insurance.
Sure you can, but it's "against public interest", and it WON'T stand up surrounded by a court of law.
The reality of the matter is, if a homeowner hires a contractor to work on their premises, and the contractor does not own workers compensation insurance, then THE HOMEOWNER is responsible for any injuries. YOU WILL LOSE IF YOU GET SUED.
If, God Forbid, he falls sour the roof, breaks his neck, & dies, his widow will enjoy an open and shut crust, and you will lose your house, and just in the region of everything else.
Never hire a contractor without getting a tag of insurance from him!! The certificate should designation you as the certificate holder, and the contractor as the insured. For a roofer, insurance costs A LOT. That's why he's so much cheaper. But you, the homeowner, are taking a HUGE RISK to amass that money.
I would find a different roofer you might save money contained by the long run... you never know.
You need to consider whether or not you are of a mind to risk a major claim to your homeowner's insurance or worse if you achieve sued for more than your policy limit (usually $50,000 or less), adjectives in exchange for good a few thousand dollars on your roof.
I faced this massively same dilemma. I moved to a newer house that needed a new roof and required to use the same roofer I have used on my old house. The roofer said he could do my employment but he had no insurance. His bid be lower, but in the lapse, I decided the risk be not worth it and went next to another roofer.
Let's clear up one thing I pedal commercial claims and no insurance company will pay for what is individual referred to as "shoddy" work. Insurance only pays if you ruin something that you are "not" working on. Example: roofer drops tools on homeowners car, insurance company pays for defile. Roofer does a horrible job and the shingles requirement to be replaced in six months, insurance company does not wages. Secondly, why would you the homeowner be sued for your roofer not having insurance?? Thirdly, underneath very few circumstances can you contract away your liability. People and businesses try to do it adjectives the time but it is rarely successful.
I requirement fire insurance quotes for a project?
Question:
its a small business and this isnt a real restaurant
Answer:
You must be doing a business proposal project for institution. I remember doing one of these in college. Contact any independent insurance agent. Or, phone your car insurance agent and ask them if they will aid you. I get call like this occassionally and am more than healthy to help empire out. They are probably just going to make a contribution you a guesstimate but that is adjectives you need for your project. I asked the company to convey me the application and I included it in my proposal for arts school and the professor was impressed that we included it.
do you requirement BOP policy them, busienss owner policy, not fire insurance,
for your project