how can i set up a memorial fund to sustain a household who didn't own insurance or money for a funeral for a child
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Answer:
I've never done this, but my best guess would be to contact the bank you want to use and they should be capable of walk you through the process. Then take the word out through local media. You might be surprised at how various people will be inclined to give anonymously to something resembling this. But they can't if they don't know about it.
Any Medical Billers that can answer a request for information for me?
Question:
Any Medical Billers that can answer a question for me?
What do i check within box one for TRICARE (champus or other?) for a retired person and also box 1a can I use ssn or ID number please relief
Answer:
If the card has an ID on it you would use the ID and the group number if one is tabled. In this case you can blemish other and you'd file to the address on the support of the card. If the patient simply presents a Military ID card, you would use their social security number and you can carve Champus in box 1. Those claims you would directory to the Tricare for that patient's region. Here is a website that can help you next to that http://www.tricare.mil/claims/ar.cfm#1...
If it is for military I you would use the ssn and champus, but if it is for another company and they have ID #'s next I would use that.
If they don't have Tricare or champus, don't check anything...
1a, use the ID...
You check within box one for Tricare or Champus if you're covered by US Miltary insurance.
Short possession disability...?
Question:
Is it worth what you pay for it? Or should you invest that money within other ways?
Answer:
No insurance is 'worth what you pay for it' until it's time to collect benefits. Most lines of form insurance only reimburse about 60% of the total premiums toward benefits. The rest go to expenses and profits.
I pay extra where on earth I work for short term disability. It be worth it when I had to use it. I used it when I have my daughter and my surgery. I think it is.
I am a firm believer that you should hold it I was incapacitated for a two year interval and I had both short possession and long term disability, the short permanent status helped bridge the aperture between my accumulated sick and time off pay and near the ltd I did not miss a beat.I have 1 year of ltd after 6 months of short term and near what I could get from my 401 and other hoard I was competent to continue to wages all my bills until I be able to stir back to work.My funds and 401 took a big hit but I was competent to maintain my credit and preserve my car and a roof over my person in charge. I thought I would never have to use it and look at what happen to me, but for a minimum premium it was worth it.
Insurance should never be compared to an investment. It's a completely different financial strategy.
We adjectives encounter risk in go. Not all risk is insurable. Insurable risk is, of necesity, a low risk - it's not potential to happen. If it be likely to occur, it wouldn't be profitable to the insurance company.
The consumer should look at the financial consequence of a defined, insurable risk and then settle on if it can be "covered" with current assets.
In your armour, could a short term disability create a serious financial problem for you? If you hold enough brass available to cover a loss of income for an extended period of time, after it probably wouldn't make much sense to buy it. If you don't hold the cash, you can reward a small amount of money on a regular basis (premium) to support access to a larger amount of money in the event of a disabling weakness or accident.
But, you ask, what if you invest the money and accumulate for such an event? You could try. But, what if you became disabled in the past you had the unpredictability to save that amount? And, later there is the grill of taxes. While you are saving adjectives that money, you are going to be paying tax on the gain, negating somewhat your ability to build up the brass. Unless you deduct your premium payments into a DI plan from your taxes, any benefits compensated by the insurance company to you would probably be income tax free.
Bottom column: no one "needs" insurance, but you may want to purchase it because the adverse financial consequence to you from an insuranble risk coming to miss could be very serious and more than you could afford.
Your hail as.
Info on state member of staff moorland insurance return for alabama?
Question:
state of alabama is going to let the retiree skip a salary in april
for blue cross and blue shield insurance
Answer:
Apparently, it's true! Here's information I found on for you on the AL State Employees Insurance Board pattern site:
http://www.alseib.org/v1.0.0/healthinsur...
When I retire at age 62, I will not enjoy medical benefits. I live contained by unknown york city. What can I do?
Question:
I WILL NOT QUALIFY FOR EMPLOYER MEDICAL BENEFITS. IF MY INCOME AT EARLY (62) RETIREMENT IS LESS THAN $2,000.00/MONTH DO I QUALIFY FOR LOW COST MEDICAL INSURANCE. IF SO, WHERE? HOW MUCH? I LIVE IN NEW YORK CITY.
Answer:
Don't retire early, and start sinking as much money as you can into a 401K or IRA commentary.
Become a citizen of Canada... free health insurance.
If you in a minute have medical, later generally you are eligible for COBRA medical for 18 months following separation (retirement). This is still not cheap though, but probably as cheap as you can find. Can you hold sour retiring until 63 1/2? That way COBRA can convey you until you are eligible for Medicare.
I'm sure with that monthly income, you will qualify for lower cost medical insurance. You could try these 2 websites to search out resources on this.
http://retirement.divinfo.com/
http://insurance.divinfo.com
You will always enjoy Medicare.
What are the disadvantages of multi year residence insurance?
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Answer:
When you say occupancy, do you mean, LIFE INSURANCE, or "policy period"? I'll assume the latter, as that's what residence means, go insurance is a particular KIND of insurance.
The foremost disadvantage of a multi-year policy is that you've locked in the price. Policy conditions tend to settle down broad, not more, over time; that makes a multi year policy more attractive, not smaller quantity. However, if market conditions regulation to the point that prices are dropping rapidly (like they did surrounded by the 90's), you're locked in at the greater rate.
If it's a level occupancy policy, then I can't see any disadvantages. The premiums remain indistinguishable. In an increasing term policy, the initial premium starts low and increases respectively year and the policy amount should increase also. A decreasing term policy have constant premiums while the face amount is lowered practically every year until it ends.
Say you bought a 20 year occupancy policy that has guaranteed premiums.
For 20 years the premiums stay like. After 20 years they go path up. They might go from $300 a year to $3000 for example.
People buy multi-year policies if they own a specific need that will not be around after a indisputable time frame. If you are worried about providing for your spouse to rob care of your kids, after 20 years they should be out of the house and that obligation is taken care of. If you deduce you will need the money ancient the time frame of a multi year you should consider the renewable one year or five year terms.
Hope that answers your quiz.
When the term ends so does your coverage. Let's read out you buy a 20 year term policy at the age of 30. If you are wholesome your premium would probably be around $30 a month. Great, that's cheap. Ok, so now you're 50 & your possession runs out & now you may hold some health issues. Good luck finding a clad life policy that doesn't break your wall. Go with a VUL. Talk to a financial specialist for more detail. Hope this help.
I inevitability a Notary Public to witness me sign a document!?
Question:
I have settlement papers from a lawsuit that entail the witness of of Notary Public when I sign. I went to 2 and they said they can't aid me because there is suppose to be a location for the stamp.
I can't go and get a hold of the lawyer, don't know what to do. Deadline tomorrow.
What to do? I live surrounded by Pennsylvania
Answer:
I'd go backbone to the person/lawyer who gave you the document surrounded by the first place, and tell them you can't draw from it notarized the way it's drafted. Have them brand the changes. Then gain it notarized at a bank - the one you hill at if you can.
Your bank should be capable of do this ?
In California, Notarys have their own forms if call for be. It sounds as though Pennsylvania might be different.
I'd check beside your bank as in good health as possibly real estate/loan office.
As a Notary in GA, I can sign any document anywhere on the page as long as my signature is not written over any file of the document, my printed signature block is legible (even hand written) and my Notary Seal make the seal impress over my signature. I have to include my Notary Commission Expiration date, but most notaries hold that made up into a rubber stamp.
Your bank is the best place to step.
You can try your bank.
I am trying to prefer what art track I would close to to filch.?
Question:
I am getting my degree (B.A. surrounded by organizational management) I was looking into selling insurance. I would own to start at the bottom. Can anyone tell me how to gain started. If it is a good business. What are the ups and downs.and anything else. I want to flog car, home, and go insurance. I live in California. I won't acquire my degree for three more years. But I would close to to start getting my feet showery soon.
Answer:
My mom sells insurance for state dairy farm (as an employee, not an actual agent)... she have an associates degree within business, but didn't need it. My suggestion is to get a profession with an insurance company to hand you with the agreement that they will settle up for your classes and exams (most will do this happily) and you agree to work for them for a set amount of time (or indefinitely, if you enjoy it there)... thus, you own your schooling paid for (only take about a month for respectively license.) Just be prepared to sell, vend, sell- the more you sell, the more see backs you carry, and the more likely the company will be to hold you. I know my mom loves it (she hates her boss, but loves selling insurance).. Best of both worlds.
Hope that help!
Noooooo. Don't get into that insurance piece, it takes too much work and you'll be bugging adjectives your friends. They take anyone even beside a high college degree.
Start working contained by a real organization where you can apply your amount.
good thinking win ur feet drizzly soon like mabee thieve a part time available job with an insurance agent or underwriter. im contained by texas and here many switch on as workers in an Agent's insurance business consequently after they learn reasonably a bit (enough to keep u busy and not struggle) they help yourself to state exams and get their license as an insurance Agent. MY uncle is an agent and does reasonably well for herself not to mention my aunt is is a unadulterated estate agent. They kinda go paw in mitt. They have done awfully well for themselves. Good luck and dont present up.
First see if it is something you really want to do. Sales is very competetive. If you do settle on to do it, I would try to get a position at Aon, Marsh, or Gallagher as they are the largest agencies.
Also, Try to get into selling commercial insurance. Commissions are passageway bigger on the commerical end.
It's exceptionally comptetetive and you have to contract with alot of BS.
It also take a few years before you build a book of business and start making correct money... assuming you are good.
Good luck!
There are alot of other job in insurance besides in recent times sales. Although it is usally where on earth people start. It is a perfect business but you have to be outgoing and a detail orient person. If I be you I would go to agencies within your area and explain that you are looking for a member time job while you are surrounded by school near the hope that it will go full time after you are done. Make sure it is a colossal agency as you will be able to switch to different job or departments to see what you like to do.
Other job in insurance are risk regulation, accounting, IT, marketing, claims and many others. There are race in insurance agencies and companies that hold their law scope and some have their medical scope.
I have be doing it for 25 years and find it a very interesting brief.
I am a new agent -- and I will narrate you that if you can get your foot into a Good company (do you research first) - - this business is adjectives about getting you foot contained by to any door you can in the birth! It has be stressful, but it gets better every morning!!
Vehicle is suffering, but owner is fine?
Question:
i was within a accident on 9/28/06. I wasn't seriously injured but '99 Dodge Durango is suffering big time and the insurance company won't fix it fund to PREACCIDENT condition. I wonder if there is a canon firm out there that can assist me out. P.S. I live in Indiana thank u
Answer:
Who's insurance company are you have a problem with, yours, or the other person's? It's relevant!
The other person's company does NOT hold a "fair claims practices" type responsibility to YOU. They won't repay out more than the policy limit, or more than the minimum required by their policy vocabulary, WHICH YOU DON'T KNOW WHAT THEY ARE.
If it's YOUR insurance company, is the problem that they want to depreciate parts or use after market parts? You will hold to read your policy to see if they can do that.
ANY law firm will bring this on, but you'll have to discharge them up front, and by the hour - which will likely cost more than a unsullied 99 Dodge Durango by the time this is all done. So it's not worth it to hire a legal representative.
Sometimes lawyers contained by US take cases on a contingency justification. If you win , you pay. but for, you don't.
They don't have to fix it rear if it costs more to fix it than it is worth in the Blue book for example blue book list it as worth 3,599.00 and it costs 4,357.00 to fix it they will give you the 3,599.00 it is worth surrounded by blue book.
Call the Indiana State Insurance Commissioner first.
Do a G00GLE search on your ins. co. and the word nonpayment.
How do I dispute medical charges?
Question:
My husband was contained by the hospital for 5 days, but was not visit by a doctor on days 3 and 4 (which is why he was in attendance so long - nobody could release him). Can I then rightfully dispute adjectives charges for days 3 and 4? If so, how?
Answer:
If you're trying to dispute charges from a doctor who says he saw your husband on those two days, distribute a letter within writing to the medical records department of the hospital, asking for a copy of your entire chart from your stay. (List the date.) Anything that was done, or any doctor who visit your husband will be in that chart. (You enjoy to do this in writing - otherwise, it's not endorsed.)
If you're trying to dispute charges for the days your husband was contained by the hospital - you really don't have a leg to stand on. Services be rendered (i.e. the hospital stay) and you don't have a right to deny expenditure by your insurance. You can, however, ask that your portion (daily copay or deductible) for those days be waived, within light of the circumstances - but don't guard on it.
Are you wanting to dispute the hospital charges?
or
Charges for a doctor who didn't see him?
Because if he was in actual fact in the hospital, you probably can't in actuality dispute them
For a hospitalization, the hospital bills separately from a physician who may see or treat you in the hospital... Their billing have nothing to do beside a doctor's availability...
Try writing a letter of complaint that at hand were no doctor's available to see/treat your hubby See what that does.
If your husband is a Medicare forgiving there is a specified length in which charges can be disputed. This is covered surrounded by your policy. If you can't locate, contact your carrier.
Right, the physicians bureau or billing company bills for their charges completely separate from the hospitals charges. The hospital has a right to charge the insurance for those days because he be there. They physician does not. If the physician bills for services that he or she did not accomplish you absolutely can dispute them. All you own to do is call your insurance owner and tell them the doctor did not see him on those days. They can request accounts from the physician. Once the records are received and they see in that is no documentation for those days they will request refunds from the doctor for those days. All insurance carrier give you a time shorten of how long you have to dispute a claim. This should be tabled on the explaination of benifits they send you after they pay cheque your claims. Call your carrier if you are not sure.
For insurance purposes, what does Contingent imply? Read details please...?
Question:
On my insurance papers there is a place for the beneficiarys. The first subdivision is for the Primary and the second section is for Contingent. What is the second slot for in laymans expressions? I looked up the word in the dictionary but it doesnt form any sense to me as to how it would apply to how insurance benefits are paid out.
I am not looking for the dictionary definition! This is the second time I am asking this because individuals just dont read the sound out properly. I am looking for the laymans version. How does Contingent apply to beneficiaries the method Primary does?
Serious answers only please. Dont speak look it up or dont give me the dictionary definition.
Answer:
Contingent is the creature who would receive the benefits if the primary beneficiary dies before you do and past you have a haphazard to change the beneficiary. It is perfect to name one contained by case you and the primary beneficiary should die contained by a common chance. It would speed up the claim process.
If the first person dies beforehand you do, then the "contingent" beneficiary get it. They're basically "subsequent in line".
What can be done if someone stops a check they own already written?
Question:
We own a garage and someone wrote a check for work we did on a vehicle. After they left our shop they stopped the check because they took the vehicle and traded it within the same afternoon. Which had to be the plan adjectives along.
Answer:
Well, you should file a lawsuit against the individual. You also have a Mechanics Lien against the car- traded within or not. You should file that lien. Which would niggardly that the person immorally traded in the car- and the Dealer could possibly start a lawsuit against them as all right. You definitely hold a number of whereabouts you can take here to gt your money- well-mannered luck!
never accept checks again one, and if you own proof that you actually did get something done the work signed by them, then you can hail as the bank and dispute the check.. if u dont enjoy any sort of proof u really cant do much about it
you would own to sue them for the amount of the check in small claims.
The check is their contract of pay-out, which they broke.
Keep the check until its resolved.
You can sue them and get your money.
Forget the lawsuits and liens for very soon. Call the police and file a complaint. This is larceny.
Contact your police department. Passing phony checks could be prosecuted and depending on the amount of the check; send down time could be a mandatory sentence. If they wrote you the check and stopped payment on matching day they committed fraud- pure and simple.
Turn the check into your Local Collections Agency or you can bring a Small Claims suit against them which will cost a little bit, but if you win they will salary all your court costs and you product some money of it!!
Yes, well, you enjoy to go to the local district attorney and ask them to prosecute for fraud - which is what they did. Or sue them within small claims court.
Start with calling the police and making a report. It is pilfering of services at a minimum. Then, when they get arrested, conceivably they will come up with the lolly owed to you. Good luck.
Looking for California Western States Life Insurance Company or current?
Question:
Answer:
Western States Insurance Company Inc
Print this page
A.M.Best #: 75098 NAIC #: 12138
THey're actually domiciled contained by Hawaii.
http://www.westernstatesins.com/...
My aunt, cousin and I are the beneficiary on my grandfathers insurance. Can merely one being receive money?
Question:
Answer:
It depends. If your aunt was the primary benficiary, consequently she would get the total amount. If adjectives three of you are listed as primary beneficiaries, consequently the total amount would be split three ways.
Noif you all are nominated as the beneficiaries.. you will all imbue out paperwork, turn it in to the insurance company, after they will send you a check for your portion of the inheretance.. You adjectives should not even have to hang around for each other to pack out the paperwork..When my mother-in-law passed, she had four associates listed as her beneficiariesthen money be split four ways...
no you your aunt and cusin will all split the amount given
No
The insurance company will wages the primary beneficiaries the percentages specified by the owner, if the primary beneficiaries are living. If the primary beneficiaries are adjectives dead, the insurance company will earnings the contingent beneficiaries the percentages specified by the owner.
So I could voice A gets 75% and B get 25% but if A and B are dead later C gets 90% and D and E respectively get 5%.
Only if two out of the three beneficiaries outdo
NO if it is stated that all 3 of you are the beneficiary of your grandfathers insurance than nearby should be a break down of who gets what and how much. It may be an equal amount to adjectives of you.
No, they pay ALL of the beneficiaries, however the policy allots. Usually the policy owner assigns a percentage - approaching you each find 1/3, or the aunt gets 50% and the cousin & you find 25% each.
No, you can own several beneficiaries. Just keep surrounded by mind that there are primary & contingent (secondary). The primary(ies) will carry thier portion(s) according to the policy, assuming they are still living. If one or all of the primary are departed, then the lower come into play. And they receive according to the policy.
do you enjoy to embezzle the settlement amount for P&S that an insurance co. offer lacking have an legal representative?
Question:
Answer:
No, you don't. You can go to court and sue the driver, you can hang about a week or two, see if you can negotiate the settlement higher.
Keep surrounded by mind, if you DO get a attorney, they are going to take 30% of doesn`t matter what the settlement is. Also keep contained by mind, with the settlement, the insurance company isn't going to submit more than the policy limits.
No. Make a counteroffer contained by writing. If they decline you have 2 choices...any accept their initial extend (if it is still on the table) or take them to court. Many lawyer will do this for a piece of the pie.
no you do not and in most cases you will take more money with a lawter as impossible as i hate to allow this.