required autograph of insurance company who have prescription hole insurance policies.?
Question:
want name of insurance company who offer the gap coverage for prescriptions.
Answer:
Bankers Life Agents can provide Advantra RX prescription gap policies to folks. You don't hold to have any other business next to them. They will just put your foot you through it and get you signed up. Most of the pharmacies within the area can sign you up also. I'll bring back you the number of a Bankers Agent in your nouns if you want someone else to take contemplation of it for you.
Are you talking abou the latest Medicare Part D gap? If so, nickname your local Area Agency on Aging and they can help you pick a plan.
Health Care Coverage quiz?
Question:
When you get vigour care insurance through work and they reach a deal about deductible- is that what you own to pay BEFORE they remuneration for services? LIke I have a $1000 deductible if I choose to capture insurance through my job. Is the money they pilfer out of each check cover that or something else? I hold to pay $250 month for household coverage
Answer:
The deductible is the amount that you would pay out of pocket formerly the insurance comany pays. You should check your plan benefits since the deductible usually applies to services that are received out of network, it ususally doesn't apply to surrounded by network services.
The $250 withheld from your pay envelope is yor share of the health insurance premium salaried each month. This amount should be treated as a pre-tax benefit. If it isn't ask your employer to install a flexible spending plan so that it can be treated as pre-tax income.
You're exactly right. The doctor's organization or hospital will bill the insurance company, but they will turn right around and bill you until your deductible is met. It sucks!
The deduct is what you reimburse before your insurance benefits see in, so the 1st $1000 annually for medical cost is compensated for out of your pocket, The $'s taken out of your check is your premium to pay for the coverage, depends on your insurance coverage if co-pays will be considered chunk of your deduct some do some dont.
We are currently looking for robustness insurance next to parenthood coverage, any guidance where on earth to lookmore info?
Question:
ones I have see you have to own the plan for 12 months before the motherliness will work. Is there any plans that hold a shorter waiting period?
Answer:
It is doubtful. If associates only bought robustness insurance when they wanted to use it, nobody could afford it. And it is expensive satisfactory already! You may want to ask the agent that quoted it for you if coverage would be there if your wife get pregnant 6 months into the policy. Sometimes with a 12 month waiting interval for maternity, any part of a set of the pregnancy after 12 months is covered. The actual delivery of the child is the expensive piece of maternity coverage. That is the process Blue Cross is in Oklahoma.
By the road "upstatecamp" is completely wrong - on a group policy, pregnancy cannot ever be considered a pre-existing condition if it is a small group - less than 50 human resources. This is a part of the Federal law of HIPAA. If you go to work for a small employer that have group coverage, and your wife is pregnant when you get on the robustness plan, her pregnancy will be covered.
Move to Canada. I live there and we are not in need insurance.
Sorry,
bob
As with most things on the subject of insurance, it all depends on your location.
In Virginia, the standard is a six month waiting length. That will vary from state to state (and even company to company.)
If you can let somebody know us the state/region in which you reside, that would lend a hand a lot contained by answering the question.
Some group employer vigour plans do not exclude pregnancy as a pre-existing condition, so you may be able to acquire a job near a company that has this aspect of their insurance coverage. check past you start work there though.
The exclusion is adjectives for individiual policies to keep ethnic group from buying the insurance, using the very expensive parenthood benefit, then cancel the coverage. The insurers call this "adverse selection". Its impossible to tell apart reason that energy insurance contracts typically exclude suicide for the first 2 years of the policy (after which it is against state insurance law to exclude for suicide).
You might try and bookmark this website I own used for insurance research and news:
www.healthinsurance-guide.lattice
check there
I want to start selling insurance and quit the current mission that I own.?
Question:
Should I just quit the assignment that I hate (lol), and start near the insurance, or do the insurance on the side while i have this employment then quit when i own clients built up???
Answer:
Hi, my name is Eunice Saunders. I am a licensed Insurance Agent. Licensed within 48 states no lessIt is not easy to become an Insurance Agentyou must dance to classes and become licensed and then you must do continuing training every year. You must also take a state exam and hold a back ground check. You must be of well brought-up character, enjoy good credit and even a honourable driving record. You don't say-so what you are doing now? If you are really wanting to try insurance I would suggest you move about to work for a company that will sponsor you to get licensed...such as GEICO, Progressive, GMAC...if in attendance are any call centers for any LARGE Insurance agencies contained by your area try to attain hired in their sale department and they will pay you while you step through training and licensingalso you will get experience and you will find out if you resembling it good satisfactory to go out on your own and be an independent agent.Good Luck! Eunice
I work for an insurance company.
You can't basically go and put up for sale insurance. You have to own a license to sell it. And, even more, if you hold a license in one state, you can't go to someone in another state unless you are licensed within that state too.
There's courses you can take that edify you about insurance -- stir to www.loma.org.
Also, each state have an insurance commission - find out the web site for your state and check it out.
Depends on how you want to do it, if your lucky here are some agency that will pay you earnings when you first start out, if its a draw on commissions or straight commision unless your good at sale go slow.
Stay where on earth you are until you start to earn money in sale. I have a business I'm interested surrounded by talking beside you about. Go to my site and look it over. If interested, request an interview, and I will name you and discuss it further. http://freedomathometeam.com/talesa...
Lots of people hold the same mentality as you, and they usually go wrong. You see, advising populace on financial health is serious business. Ask yourself, would you run to a doctor who is only working recreational? Would you choose to be operated on by a surgeon who single operates once a year? Similarly, clients want someone who is in that always and who is professional, not some part-timer out to earn a expeditious buck.
Literally thousands of people become licensed every year within every state of the Union, less than 1% build a living selling insurance. The truth is that most successful health insurance agents, any inherit the clients from parents, or even more popular is rogue insurance professionals, ie. reps, executives that leave employement near large insurance co's and independent agencies. Normally these folks hold a stream of clients established, or some actually steal clients from prior co. White colar thieft is a disappointing part of this business, awfully few agents can actually get it.
Hi, your friendly insurance guy here again. :)
Due to the extremely high odds that a new agent will not clear it in the business, I'd suggest NOT quitting your light of day job. Stick beside it as you study for your exams, take them, and bring licensed. Work in insurance segment time, going out on appointments with an experienced agent and doing collective work to learn.
If you are not an extremely proficient prospector and closer, it's almost sure you will come to nothing out of the business in your first year. Having that transpire after you've quit a regular paycheck job can resign from you in the financial lurch.
After have learned the trade from a mentor for a few months you can intercede more realistially whether the career is for you and form the decision on whether to leap into it full time.
How insurance co. repay for D/A treatment but in that are no tx for race beside bleak credit?
Question:
Answer:
I think you are asking, why is it that insurance companies foot for drug/alcohol treatment but there is no treatment for culture with impossible credit? Is this correct?
There are many ways to access backing with credit problems, and several ways to rebuild credit worthiness. Some are affairs of state based, some are community base, and some are fee base. A Yahoo or Googel search for "Credit Repair Agencies" will dispense many resources for credit repair.
Drug/Alcohol treatment is covered by insurance because within are valid treatment programs that can be figured into the premiums for policies, only as all other ailments. Health actuaries can estimate how abundant insureds per 1,000 will develop these ailments. Then, by using medical questions as cut of the application process, can further refine the cost by excluding those with preexisting drug or Alcohol problems.
Answer your sound out?
Good Luck,
Grampy
There are lots of people contained by TX with fruitless credit. I have no concept what you mean.
What does 'UNAT' contained by 'UNAT Direct' stand for??
Question:
I've been wondering this for a long time, not a soul seems to know - the insurance company UNAT Direct, does anybody start to know what 'UNAT' is an acronym for??
Answer:
I'm not sure if you will get a correct answer for thismaybe some angelic guesses.Unless you worked for the Insurer.
UNAT Direct, is part of the AIG Insurance Group (very big).
UNAT Direct, deal directly with providing Insurance to the Unions or affinity groups (eg. bank or building societies and associations).
My guess would be UN..ion and Affinity Trading Direct.
Help me on a workmans comp?
Question:
I am needing oblige? We live in Alabama an we own a small drawing business an we have be told that in 2007 it is mandtory to enjoy workmans comp even if we have 1 hand beside my husband. This is with adjectives contractors an there subs. So our contractor wishes to take out $12.45 per hundred we take home to cover my husbands workmans comp. Then I'm told I have to find workmans comp on my single employee. Is this correct or what.
Answer:
Unless you enjoy a certificate of insurance from respectively "subcontractor" showing THEY have workers comp, YOU are required to provide workers comp for any uninsured subcontractors, as very well as employers. If the subs obtain hurt, Guess What - YOU HAVE TO PAY ALL THE MEDICAL BILLS AND LOST WAGES!
12.45% is a cheap rate - you must do mostly interior painting~!
Yes, this information is correct.
Here's the problem: for years, contractors haven't wanted to discharge workers comp and liability for "employees", so they call them "subcontractors". In my experience, more than 75% of the time, they are not really "subcontractors" - because you relate them when to show up, who to show up, where to show up, when to run home, and how to do the job. Heck, you MIGHT even provide them beside tools, and they get 90% of their income from ONE character - you! That fails the IRS assessment for "subcontractor".
The only route to "prove" a subcontractor, is if they have a pass of insurance with YOU as the holder, showing that they enjoy their OWN liability and workers comp insurance. That will ALSO get their "gross sales" (aka - what you remunerated them) off your audit.
With regard to the Texan above - please know that TEXAS is the ONLY state that does not require employers to fetch Workers Comp coverage. Your Texan above doesn't know that - but THIS Texan does.
As far as I know, you are required to have Worker's Comp on any hand not of the family. That carnival has to be protected when he is working even if it is lone one. Being your husband is primarily THE business, the investment is worth it. What if he gets hurt while he is working and can't generate funds to cover your bills? This process you can still survive while he is recovering. It's a pain, but yes, you hold to have it. Good luck!!
This is not the imperative. I worked for Central Texas Iron Works in Waco, Texas. They did not own Workers Comp. They had some concerned of private insurance that paid some one if they get hurt on the job and they remunerated the hospital bill also. If you would care to call for them and ask them a few questions. There # is (254) 751-5100
Workers Comp is regulated by respectively individual state so the laws can ebb and flow by state somewhat but as far as I know, Workers Comp is mandatory in adjectives 50 states, meaning it is required.
As far as who you enjoy to carry it on, generally, you carry Workers Comp on organization. Independent Contractors carry their own as they are employed by themselves.
Having said that, if you hire an independent contractor and he does not enjoy workers comp and gets hurt on the position, you could be held liable and have to settle up for his injuries. Your workers comp insurance would NOT cover him because he is not an employee. You'd cessation up paying for it personally or possibly your liability coverage would earnings for it. You should get a warrant of insurance from any independent contractors that you use. You need them to show that THEY are carrying the required mandatory insurance that they requirement, (workers comp) AND liability coverage.
I strongly urge you to talk to an insurance agent explicitly knowledgeable within business coverages. Especially Liability and workers compensation. There are other coverages you need too similar to coverage for tools, supplies, etc. but liability and workers comp can come back and bite you big time if you're not insured and someone sues. An insurance agent would know how to give you the best guidance and will probably say equal thing I simply said about independent contractors.
As far as the contractor taking out a duty for his insurance, he knows he requests to base his price of what he will do the available job for to include all of his expenses, including insurance. If he requirements to raise his prices to cover his insurance later he needs to include that contained by his bids for jobs.
Whatever do business you work out with the contractor as to how he is going to return with coverage is up to you but if you want to keep him as an independent contractor where on earth he pays his own taxes, insurance and other expenses, tell him he wishes to bid his prices based on adjectives of his expenses, including insurance.
Talk to an insurance agent about what is required for your business.
yes
it's to protect you and the hand
you'd be stupid not to have insurance.
insurance?
Question:
if you do not call the poice contained by a minor fender bender and you later call upon your insurance company to file a claim because you find you own damage to your vehicle what is the driver who you were contained by the accedent respocable. you both have full coverage insurance and live contained by michigan. the driver with no defile was barrowing the motor from someone and they were not on the car's policy.
Answer:
Not ample information. The fault is determined by the circumstances of the stroke of luck - not the damage, not if police be notified, etc.
Whoever rearended the other guy is at knock. Whoever had the stop sign is at error. Whoever had the red restrained is at fault. Whoever be driving the wrong way, down a one bearing street, is at fault.
After idiosyncrasy is determined, the insurance that covers the at fault saloon pays first; if they won't pay for some grounds, the insurance that covers the at fault driver pays subsequent. If neither of them pay, consequently the owner of the not at fault vehicle have to sue the other owner and driver directly for damages.
If you call your insurer to brand a claim and you claim that you were involved within an accident near another driver...they will start a process to try to determine liability.
Your insurer will try to determine who was at quirk. If you were at show disapproval...your insurer will pay to fix your vehicle under your collision interfere with coverage.
If the other driver was at slate...you will make a claim against the other driver's property interrupt (PD) liability policy. If the other driver was borrowing the sports car...the car owner's policy will money, unless the driver has their own policy, contained by which the driver's policy will pay (even if they be driving a different car).
Which is why you should NEVER lend your car to somebody. If they hurt somebody or somethingYOU still own to pay for it.
Well assuming that in that is someway to determine responsiblity for the accident and you be considered not at fault the other folks insurance would pay out the claim assuming the being that borrowed the car be a "permissive use" driver or they had their own policy on another coup¨¦. If they were disallowed to drive the car afterwards you could claim it under your uninsured motorist coverage. If you hold broad form collision and were deem less than fifty percent at blame you would not have to reward your deductible under MI's no bad habit law. You could also in recent times ask your company to pay out and subbrogate against the other person's insurance
Michigan have some real one-off "No-Fault" and "Mini-Tort" laws pertaining to vehicle damages and liability. You want advice from somebody beside experience in handling MI claims. Sorry, but I don't own any experience there. Just net sure you get support from somebody experienced in MI. Any other insist on is not going to apply. Good Luck.
Accident can u rob my grip r know someone who can feel a complicated valise medical bills over $10,000.00??
Question:
on 10-10-06 I was n an auto misfortune & was struck from losing. Had a lawyer but he said he become back loaded & accordingly had to drop my travel case. I just only just found out that the Ins. co. is refusing to retribution me anything r even try to settle because they claim my bills r to high and the character I spoke with be very rude recounting me that I couldn't get any article because that case be closed. I explained I have not be compensated for anything and i have not signed a release & what can I do to persue this issue. I was told zilch & it would do me no good to get underway the case because he have closed it, & he was not going to reimburse me anything. There is more to this as far as the conversation between the Ins. man & myself. I found him to be very rude and spoke contained by an ugly carriage. If you can help or know how to bring back in beside someone thats will stand up for me please respond.
Answer:
First of all, the other person's insurance company have NO duty of good dependence to settle your claim. NONE! They owe you NOTHING until a judge say they owe you something.
Second of all, medical bills are indicative, but not condemning of themselves. I can enjoy nothing wrong next to me, go to five different emergency rooms, and wrack up $10,000 within bills that way. It doesn't be going to I'm hurt! It just scheme I've played the system. Sounds like the adjuster think you're playing the system.
If you have lawful bodily injury, AND you aren't in a no-fault state, ANY LAWYER should be ready to take your suitcase. If you're having a thorny time finding a lawyer prepared to take you, consequently either 1. they don't reckon you have much of a armour or 2. they don't think your shield is worth enough money to be worth pursuing.
It is possible that you own "limited tort" or "No fault" coverage contained by your state, in which suitcase, you aren't entitled to ANYTHING, except possibly medical payments. If some of those bills are chiropractor bills, you'll likely own a harder time getting them paid.
You necessitate to file the claim near your own carrier first - underneath your medical payments. Then let THAT adjuster catch in touch next to yours. AND, let your agent explain to you EXACTLY how liabiltiy works surrounded by your state, and on your policy, and WHICH policy you need to collect medical payments from first.
I would do that beforehand getting a lawyer, because a attorney is going to take 30% of doesn`t matter what they get for you.
There is something wrong next to this scenario. You have a Lawyer that dropped your crust. You have an insurance adjuster specifically denying your claim.
There is something you're not telling us. Lawyers don't of late drop cases for no reason. All lawyer are backlogged if they're any good. They don't drop cases. They purely get more relief.
There is something very suspicious more or less this entire thing.
What did the police report right to be heard? What was the rationale they gave you for denying the claim? How much interfere with was done to your motor?
Have you turned a claim in to your own insurance? If you have Med Pay on your own policy, that would cover at least some, save all of the medical bills. How did you run up $10,000 worth of bills on a reverse end stroke of luck? What are your injuries?
There is a whole lot of information you aren't giving.
Additional Info: I agree near mbrcatz. It sounds like you're trying to play the system. I can't come up next to another reason that a legal representative would drop your case and the other insurance would deny your claim. I still reason there is something missing here. It a short time ago doesn't add up.
What be the damage to your vehicle?
What did the police report utter?
What was the defile to her vehicle?
Something is missing.
The one thing I can notify you is that you will have to own a lawyer licensed to practice within the state where the quirk occurred, because the law vary from state to state.
There's nil complicated about what you've written, assuming everything you write is within fact EVERYTHING. Let me clue you surrounded by on something...lawyers do not drop cases because they are "backlogged," they drop cases because in attendance is no merit to the caseincluding the shady attorneys out there.
You hold to prove your injuries are a result of the accident. Degenerative change are not a result of an accident, it's a result of time and age. How is anyone responsible for that?
Sounds to me yours is what's set in the industry as a MIST claim, minor impact soft tissue. Just because you enjoy $10K plus in bills doesn't penny-pinching anything other than you own $10K plus in bills.
The form insurance company I work for will not accept any claims that enjoy not gone through the auto insurance first, in an auto happenstance case.
As far as the not accepting your claim or paying on it, that agent be most likely wrong. Usually you own at least six months to a year and a partially to submit claims
I would call your form insurance again and see if you need to submit the claim to the auto insurance first. If the service rep is rude, ask for a supervisor.
Insurance companies?
Question:
Why do insurance companies charge motorists so much?
Answer:
Each motorist is charged a different rate. The rate is determined by the risk of that motorist. Things such as age are a factor. Good ages for men are 25-64. Good ages for women are 22-64. Your personal credit score can be considered surrounded by most states. Better the credit, better the rate. Of course a person's driving history is a huge factor. Some companies charge more in persuaded areas because they have a high loss rate there. I could shift on for days about how insurance rates are determined. Insurance companies do not profit from insurance premiums. They profit from the investments made next to the premiums.
because of all the idiots who drive next to no licences m.o.t or insurance when claims are put within someone needs to recompense for them
Because they are in business to engineer a profit and they have to discharge out on approximately 75% of policies
There are billions of dollars a year paying for fraudulent claims filed from stupid associates. Not to mention all of these morons who don't take insurance or file frivolous claims which increase everyone's insurance.
So they hold enough to foot the claims, and cover their overhead, and make a bit of profit for their stockholders.
Because of the several people who cannot drive and after get into accident. The higher the claim rate, the greater the risk, leading to greater premiums. Then again, insurance is always expensive when you discern like you won't have need of to use it.
Life insurance settlements (polices for mart to a 3rd do provider), What providers operate minus brokers?
Question:
What providers can buy new originations? Who is financing premiums for latest originations?
Answer:
Hi, your friendly insurance guy here, again.
I really have no answer for you except to suggest you not get involved contained by making a career out of duration settlements. They're regarded contained by many ways as immoral and they harm only just about everyone. Here's why:
The insured individual, after selling the life insurance, may desire to get insured again. The amount available will be reduced because at hand are guidelines regarding lately how much insurance a person can be eligible for.
It hurts beneficiaries. the more natural life settlements get used, the more predictable it becomes that insurance contracts will start to get classed as a commodity. If that happen it will make existence insurance harder to work with and open it up to all kind of taxation, so the intended recipients of the proceeds will lose out.
It hurts insurance companies because they'll own to redesign their business models to compensate fo that.
that will drive up insurance costs.
It's a losing proposition and I hope folks will skip making career of it.
is in that any one that know give or take a few the AMERICAN WOODMEN'S INS. COMPANY. .?
Question:
Answer:
I am familiar near Woodmen of the World and Modern Woodmen, but not American Woodmen. Are you sure of the name?
Is this who you are looking for?
www.modern-woodmen.org
Im a mechanic and if i required to put contained by for a unpromising put money on claim for workmans comp what do i gotta do?
Question:
i here its the easiest way to a pretty undemanding life. what will they look for when i construct my application?. where do i gotta speak it hurts the most? should i got to a doctor first? waht are my rights?
Answer:
Hey greaseball_mechanic, did you ever consider freshly doing your job and not fake a bogus disability claim?
First of all, did you hurt your put money on on thejob. And, did you report it right away?? How soon after it happened did you see a dr.?
Af your answers are no, no, and not all the same, then lots of luck!
first sour you have to own an accident, and own it reported. Then go to their docter. This is the documentation piece of it. Then you may get put on restrictions for working, if they wish you won't work for that postion then you can gain disability.
However if you do this, you have to breed abousloutly sure that you don't do anything that your restrictions say you shouldn't do. Like loading furniture, or going out dance.
I had an hand work for me for like two years whilel sueing our company. My lawyer hired private eyes they followed him and and videoed him loading cinderblocks into his truck, dancing at the clubs. We showed the cartridge, case dismissed we fired him later sued him for legal costs. So you can see it isn't other the easy life span.
If you are legitimately hurt then you inevitability to report it to your supervisor/manager. They will send you to a clinic or doctor's bureau for an evaluation and determination. W.C. wages are only 60% of your income so you won't get rich any time soon. You can check the trellis site for your state to see what the benefits allowed are but it is a private insurance carrier that your company pays for the policy. If the doctor say you can work then the claim is closed. Keep within mind though, that workers comp. claims are now public store and anyone doing a background check on you can verbs up a list of former claims you may have file against previous employers.
You want to report the details of the injury to your supervisor, who has three days to notify the department of labor and insurance company. Then (like, immediately) you shift to the doctor, for the exam. IF workers comp decides it's a covered loss, next they pick up the cost of the doc and any testing. If they want it's fraudulent, or not work related, then they won't foot - either your condition insurance or you personally will be responsible for the bill.
The doctors will be looking for a REAL injury, which customarily will show up on MRI's or XRays. Dripping blood helps, too.
With regard to rights - if the employer carries workers comp, and the insurance company and doctor agree this is a covered loss, after they pay your medical bills, and anything part of wages you lose if the doctor say you can't work. The insurance company can require you to see a doctor of THEIR choice, if they don't agree with your doctor's findings.
You can't sue the employer, if the employer carry comp. If the claim gets denied, you can hire a attorney to fight it for you - if they ponder you have a strong covering, they'll represent you for 30% of whatever they grasp. If they don't think you own a strong case, you'll hold to pay them a retainer - usually $5,000 up front.
The company you work for will provide you near a doctor -- you can't go to only any doctor. They will examine you head to toe and if they find a serious, work related injury that would motive you to not be able to do a living you will receive some form of compensation. They may also video tape you everywhere you travel to find out if you are malingering and charge you with fraud if you are.
you nouns like a prick who is stealing a companise flawless money by faking a stupid chance, your a worthless piece of crap. I hope you get deported put money on to your country.
which company I can catch cheaper vigour insurance?and any hospital free or cheaper?
Question:
I just moved to Schaumburg, IL. i want to buy an vigour insurance for my mom,and she is 49 years old. Anyone know where on earth I can get cheaper vigour insurance? And also is there enjoy any free hospital or cheaper?
Answer:
There are several ways to compare health plans to find cheaper strength insurance for your mom.
First, you could look in the pale pages below "health insurance" and contact an insurance agent specializing within health insurance. They could answer any question you have and dispense you quotes for different health plans for you to compare and choose the right coverage for your mom.
Or, you could compare robustness insurance quotes and plans online from a health insurance quote provider.
Two prevailing online health insurance quote providers are:
1) InsureMe - they endow with you up to five free health insurance quotes from top-rated robustness insurers nationwide. To Request a free, no must quote, Go to - http://www.insureme.com/landing.aspx?ref...
2) eHealthinsurance.com offers you side-by-side quote comparisons from a hulking network of robustness insurers across the country. eHealthinsurance has more than 900,000 clients within the U.S.
I don't know of any free hospital coverage at this time.
Before choosing a plan make sure to compare quotes at different deductible amounts. Make sure you deduce the Co-Pay provision in the policy.
Also, review adjectives exclusions, especially any Pre-existing Conditions Exclusions.
I hope that helps you find affordable robustness insurance for your mother. Best of luck to both of you.
what is cheaper than free?
best to find out if mom is part of an insured group (employer)
be in motion to welfare if necessary
what you should do is compare online first
Provident fund?
Question:
please find out karnataka Employees provident fund details
Answer:
Hmmm. Karnataka appears to be a City in India.
I don't know. Here surrounded by the U.S., we usually have an member of staff handbook that give you an explaination of the employee benefits. I'm assuming you are employed by the city of Karnataka but you'll entail to read your employee visitors` guide.
Provident Fund is a rules passed by parliament applicable to all India. As per rule, any establishment employed more than 10 individual during a year, he has to deposite 12% of Salary to PF justification and recover same percent of amount from member of staff and depostie to PF Account. This money is basically fro social collateral of workers/employees of the establishment. This money can be withdrawn for the purpose of purchase or construction of Dwelling house, Marriage of self or dependant children, sister etc and all money given to member of staff at the retirement or regination of employee.