how do you undewrite inconstant annuity?
Question:
Answer:
VAs are funded with stocks, bonds and money market.
Here is some info: http://www.findlocalinsurance.com/variab...
You dont need to. It is an investment. Health is not a concern for an investment. Unless here is a life policy attached to it, in that are no health question asked. There may be certain age restrictions on undisputed products, but no health issues.
If a hospital be charged 8039.81 what drg desires to be assigned to claim? 5,4,3,2?
Question:
Answer:
You do realize the charge amount has nil to do with the DRG And, if you enjoy claim examples, labeled ! claim 5, 4, 3, and 2, the rest of us can't see them Right?
DRG stands for diagnostic related grouping. It is the standard pay rate for medicare. If you hold your appendix out and the billis 5,000 and you can get the pt. out for 4,000 the hospital pockets the 1000 moved out over, same goes for if they take you out for 6,000, the hospital loses 1,000. No wonder they kick us out so speedily.
What is drg!
you need to look at the diagnosis and shift from there.
where on earth can i find out something like the exigency of medical billing and coding?
Question:
Answer:
Purpose and Importance of Medical Coding and Billing - Medical Reimbursement
Physicians provide services to patients and want reimbursement for what they do. An industry journal just now reported a nationwide shortage of medical coders. Why? The healthcare system have become complicated. Knowledge is more important than ever. Medical organization personnel years ago could simply open a code book, place a code on an insurance form and submit it for sum. Now we see more HMOs and private carriers and we hear roughly speaking medical institutions being fined or put out of business due to incorrect or fraudulent medical billing practices. New coding and billing positions hold opened up and still more are expected. In appendage to medical reimbursement, coding is used for planning and research. Investigators may track diseases. Administrators may determine if a hospital’s facilities are individual used effectively and if they are adequate for the requirements of the community.
The medical reimbursement process includes descriptions of procedures and services the physician provides. As you can imagine, these would be horribly long and confusing left contained by narrative form. Someone was learned enough to realize that. They devised a system of code numbers representing respectively procedure and service a physician is likely to provide and another to represent respectively disease, disorder or injury. The physician’s computerized billing software sends information showing what was done and the insurance company’s software interprets it accurately, since they use impossible to tell apart coding system. This speeds up the reimbursement process so doctors are paid faster and better - IF the medical coding and billing is done correctly. The Office of the Inspector General may review medical coding of evaluation and organization services, physician credit balances and correct use of diagnosis codes (ICD-9-CM). Doctors may be fined up to $10,000 for respectively item or service incorrectly billed. Is it any wonder they want to make sure that the human being doing their medical billing, CPT-4 and ICD-9-CM coding knows how to do it accurately and effectively?
Physicians entrust their medical reimbursement responsibilities to medical coders and billers who can speak their jargon - medical terminology, anatomy & physiology and disease processes. They want medical coders who become conscious CPT-4, ICD-9-CM, Evaluation & Management, HCPCS and much more. They want someone they can depend on for knowledge, dignified quality of skills and excellence of work customs.
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Renters Insurance? Firewalls?
Question:
so i m getting my first apartment and i was looking at renters insurance from geico and come across a question that i didnt read between the lines. "how many unit between firewalls?" Units? as in rooms? and firewalls? the singular firewalls i know about are mechanical.
help anyone? please and gratitude :)
Answer:
a FireWall is between your apartment and your neighbors left, right , at the rear ,above you and are placed in the attic so the vertical apartments do not hold a common attic.
read out your ground floor apartment catch fire beside firewalls the units above you would ensnare fire before the ones on the side.
when the top section go through to the attic the firewalls force the fire to the roof NOT the other unit.
Ask your management for the info . if they can not inform you . call your city building code department- state the year the building be built and they will tell u if firewalls be code.
if not acquire insurance , a good carbon monoxide detector and a well brought-up smoke detector for your unit , KEEP within working order.
we have a common attic fire here within town and 27 apartment were TOTALLy adjectives to the ground.
knowledge is power.
I am pretty sure they penny-pinching other apts., not rooms. It is very responsible for you to be getting renters insurance; most renters don't do it and regret it next.
Units refers to Apts. A fire wall is a Brick, Concrete Or 5/8 inch or thicker Sheet rock wall that frevents the spread of fire from one side of a building to another or one floor to another. With a fire rating of at least 1&1/2 hours for walls. Same applied for Fire doors that can be rate as 1/2 hour 3/4 an hour or 1& 1/2 hours.
Apartment buildings, especially LARGE ones, are prone to big, widespread fires. So if you're renting a place beside four units or smaller quantity, it's probably 4 (or less). If you're renting a townhouse or condo, it's probably 1. If you're in a 300 apartment building, it could be 8 or 16 - but building headship or the leasing office would hold to give you the valid answer to that.
Firewalls are like concrete cinder blocks, seperating out the unit, so a fire in one section can't spread as easily to the other unit.
Who pays for the home insurance when you permit your house?
Question:
I ask this question on behalf of my friend, who lives contained by Malaysia. He wants to know what the canon in England will be within this case.
My friend is gonna permit his house to another, so that he can have some income. A quiz arises: They need to buy a home insurance within case within is an accident close to fire. Apparently in Malaysia, a homeowner doesn't enjoy to buy insurance for his house.
So in this satchel, who should pay for the home insurance, the homeowner or the tenant? I suggest, the rental period is 2 years, and the insurance, if compensated, will cover for 2 years only.
Answer:
whoever owns the house
duh
the home owner
He would enjoy to pay for the insurance his-self.
To ask, your friend must be a money grab git.
If burned down, and insurance builds a new house, is it the tennants house presently, if they paid insurance?
I hope your friend isnt malaysian, bought a house over here (when so abundant English people cant afford housing) and very soon hopes to milk our economy.
I'll burn it down myself.
Remember, tennants arnet cattletheyre the customer, they, PAY your friend. He's the "employee" contained by this arrangement.
Cheeky Git!
Normally the home owner would buy homeowners insurance to protect his interest in the property. At like peas in a pod time a tentant could buy renters insurance to protect his personal property. Usually if there is mortgage on the property the mortgagee will require the homeowner to transport sufficient insurance. If there is no mortgage, the homeowner does not enjoy to have insurance, it's only just a good belief because a house is a sizable investment and these things do catch fire occasionally and sometimes a vehicle will run into it.
If the owner lets someone else reward for the house insurance, it's a big mistake - because if the other person doesn't repay on time, the policy get cancelled, and the house burns down, the owner is SOL.
The owner needs to include the cost of insurance surrounded by the rent he is charging, and pay for it himself.
the owner if something would crop up how would he get his money from the house other have insurance on anything of yours, he can other add it to in attendance payment
Buildings cover is still the responsibility of the home owner however insurers usualy excluded skylight cover if they know the property is let. Contents insurance would unquestionably lie next to the person renting the property.
Genreally as contained by all insurance the owner of the item to be insured is responsible for insurance.
If I be the owner I would get insurance (to include liability insurance) myself. It is my property and I would not trust someone else to insure it properly. I would consider the cost of the insurance as cog of the cost of doing business (and adjust the rent accordingly)
Who has responsibility for this expense should be stated within the tenancy agreement.
usually the property insurance is the responsibility of the manager - it is his property after-all and if it burnt to the ground he would want to know how to replace it.
the contents insurance is the responsibility of the tennant, its their property, and if it gets destroyed within the fire they will want to replace it.
It is not a legal requirement within the UK for a home owner to have buildings insurance (bricks and mortar) or contents however it my be required as sector of a mortgage agreement.
As both parties (the owner and the tennat) hold insurable interest each gathering can take out insurance on one and the same property.
In this scenario it would be worth the owner of the house to take out buildings insurance and the tenant taking out contents. If the owner of the house is leaving any of their possessions within the house it may be worth extending it to cover limited contents. I would no problem advise your friend to lift out the scenario above. If there is any more confusion phone up your local brokerage or phone around explain the situation to the counsellor then walk from there. Hope this is of minister to.
The homeowner in England. he will pocket out insurance as he needs it.
The building insurance is his , he should consent to the company know the property is rented or it will invalidate any claim.
If letting through an agent make it slice of the contract of tenancy that the tenant also insure as contents policy's also cover landlords fixtures and fittings, such as hip bath, kitchen units trimming etc .
What are the procedures for cashing a claims check for putative damages.?
Question:
The check is made out to myself, the adjuster, and my mortgage company.
Answer:
Is it a public adjuster that you used? You would sign it first, then impart it to the public adjuster, then forward to the mortgage company.
Depending upon who get the final amount the other two parties will enjoy to sign off on it and forward it to the third group.
What company have the best concordat for vigour insurance for a strictly well manly?
Question:
I am on Worker's Compensation, in Pennsylvania, for a lower subsidise injury; and I was dropped by my company's insurance shipper because I was rotten work for 6 months.I understand that my subsidise injury will be considered "pre-existing".
Answer:
Ameriplan might be a good preference for your family. They are the nation's largest discount form benefits company. They are better than insurance being that they enjoy no deductibles, outragious premiums, caps on visit, no co-pays and include all conditions, even adjectives on-going conditions. You just settle the doctor a small fraction out of pocket of what you would pay if you didn't own benefits, and that's it. No claims forms or anything like that. They include dental, figment of the imagination, prescription and chiropractic as well. Check out their website at http://www.everyonebenefits.com/40424269... They also hold a 30 day money put money on guarnatee to give you a accidental to try it, and if it doesn't work for you, they'll return your money. Please feel free to email me if you enjoy any questions. I hope you find what you involve.
Blue Cross or Kaiser?
Try ehealthinsurance.com
Also try Aetna. As long as your docs anticipate you fully recovering after some time and you're otherwise healthy, you should hold no issues.
Best deal is going to be Cobra through your employer.
Which Insurance companies are pretty reasonable(cheap)?
Question:
Answer:
They ALL are, for different target areas. Some prefer insuring married couples 35-50 with two cars and one house, some prefer the 55+ crowd, no house, some don't mind a DUI if you own a spectacular credit score, and some run for the singles.
You have to SHOP AROUND to find which one fits YOUR minutiae.
Kinda like buying a bra. There is no "one size" that fits best.
i use Allstate for my auto and renters home insurance they where on earth the cheapest i found
I think that it is geico. I just now switch my insurance on my car and truck. I call around for different quotes. Geico was the best and they help my save $1,400 a year.
Farmers is rip stale. State Farm rocks!
The cheapest usually means the humane of company you will not be happy near after a loss...best of luck.
Btw, geico is cheap for a reason. travel back and look at you out-of-date policy and see what you used to have and compare it to your current cheap geico policy. Lots of good coverage is missing...no medical payments, half-hearted UM limits, too...
I own Liberty Mutual and I can not find anyone cheaper. I have tried everyone. I even hold them for my ATV's.
I found some cheap ones
What kind of insurance are you need? Where you are located also has abundantly to do with the answer. Contact an independent insurance agent (they represent copious different companies and can figure out which one is the best fit for you) within your area. They can aid you. You may also want to call a unswerving agent like State Farm to see what they charge. Main point is to find an agent you trust. A good one will other take strictness of you, and move your coverage around if necessary so you don't hold to shop around yourself.
Help. Looking to purchase Real Estate E&O insurance by the settlement. Calif. Brokerage company. Know any vendor?
Question:
We need both residential and commercial insurance. Thanks for any support you can give me.
Answer:
Why? It's going to cost purely the same as buying it by the year. At tiniest, if you wanted to buy it from me, I'd charge a minimum premium of $2500 a pop, to cover admin expenses & "hassle factor".
Also, the down side to buying it by the contract - you'll have to purchase it BEFORE the operate goes through. E&O is other on a claims made basis, and does NOT cover prior act. If the deal doesn't travel through, you've paid for it anyway. AND.
If you don't want to buy it previously the deal closes, what happen next year when someone sues you for a treaty that didn't go through, because (they claim) you messed up or misrepresented something, or be discrimatory in the agency you were showing the property? NO COVERAGE!!
By the accord might sound resembling a way for you to set free money, but it's a dumb idea. If you still want to buy it that road anyway, just tolerate me know!! I'll make you sign bad first, to cover MY E&O, that it's against my recommendations.
Health Care Cost What are you paying?
Question:
Every year I have to present the cost to the team for their cost. We are paying 75.00 Single coverage 171.00 for family overage every two weeks. Dr Visits are 40.00. Is any one paying more than this.. Or a great deal less.
Answer:
Does 'family' infer that 2 or more ethnic group only discharge 171.00 a month every two weeks? Or, does the family premium exchange based on the number of dependents?
I reward $125.00 every 2 weeks, for employee & spouse individual... With a $750.00 individual deductible, per person. (and a FSA attached)The deductible applies to ALL services... There are no copays. If I have the option to foot $40.00 per visit to the doctor, I'd step at it. My employer is paying about 80% of my twelve-monthly premium...So, if I'm paying 300 per month, its a pretty hefty premium... And, I work for an insurance co.
For pharmacy, I pay 30%, 40% or 50 %...
I meditate your company is right on target with the rest of the world...
There will other be better plans, cheaper plan, or more expensive than the one you're on.
$460.00/month
I pay $40.00 a month for condition care, and another $3.00 for dental near it. Its through the company I work for. And I dont believe I have to compensate a co-pay, I haevnt been to the docs however since I've been on this plan. hope it help :)
I don't pay for my condition care coverage, my employer pays the entire cost for medical & dental.
Out of pocket, I reimburse $10 for a doctor's visit.
We settle 240 every 2 weeks for the family plan but our co-pay is solitary 15.00
self employed, we pay 800. a month for 3 folks
That isn't bad, I foot about $40 a week more, Dr. visit are only $5.00.
if you want to know how much is rational
My current insurance policy is about $36 every two weeks (my portion only) and I hold a $500 deductible then 80%. At my previous employer I have a plan that only have a $20 copay for my PCP and $35 for specialist but I was paying capably over $400 a month for my cost only for me and my son.
what insurance liability does the charity strip aid hold?
Question:
Answer:
Band Aid will almost certainly enjoy their own Insurance arrangements, which are likely to include property ruin and Liability.Unless you were the Insurance Company or are involved next to the admin at Band Aid, it is impossible to know what they have arranged, the extent of cover or amount.
The single exeption ot this is Employers Liability Insurance for UK employees - It is a statutory requirement that any business near employees must hold at smallest lb5 million of this cover (most policies automatically provide this up to lb10 million).
Regardless of Insurance Band Aid, as does every one else, has a duty to not make happen harm or defile to people and property. Should this start through their negligence, they will be liable - regardless of whether they have Insurance or not.
Just because someone does not own Insurance, it does not remove their obligations and they can be sued directly if they be to cause loss or break as a result of their negligence.
Not sure why you have asked this request for information - if you feel Band Aid are liable for something I suggest you hope professional legal counsel (or at least visiot your local Citizens Advice Beareaux.
why?
wasnt that approaching 20 odd years ago
That is private information, and as such, no passageway for you to find out the details without green light of Band Aid.
Variable Life Insurance Policy Sold and Signed contained by Texas but client lives contained by Illinois?
Question:
Answer:
Maybe. There are some things for concern though. Variable Life is a securities-based policy, so there is more than a moment ago state insurance laws to verbs about. Also, although most states will allow a soul who lives there to sign surrounded by another state, some require that the agent is licensed in the state of the client's residence (I guess Florida does). Even if it's ok, you have to use an application for the state they live within, because the policy will have to be one approved within the state of residence (if the policy is not approved in Illinois, they may not be capable of issue it because there would not be an Illinois approved application).
In my view, your biggest worry should be the rules for unpredictable life sale in respectively state, because you can get into really big trouble if you transgress those.
As long as the agent who sold the policy is licensed within Illinois it is OK. You have to be licensed surrounded by the state that the buyer is a resident from.
Well, the client needs to relocate the address on the policy. If the client lives in Illinois at the time he bought the policy within Texas, the life agent will not receive commissions, unless he is licensed surrounded by Illinois too.
I assume you're asking whether this is legal or not? The answer depends upon the insurance ruling in the state where on earth the policy was in actual fact sold.
For example, in my state, a creature who travels here can legally be sold a policy by an agent. The agent must be rewarded commissions, whether he or she is licensed in the buyer's state or not.
For a definitive answer, beckon the insurance commissioner's office contained by the state where the mart and signing took place.
There could be a problem, depending on the laws of respectively state.
First of all, this is not one and only an insurance question, but a securities quiz (VUL is a securities product), so you need to comprehend the securities laws of respectively state as well as their insurance law.
Most states do not mind one of their residents signing an insurance application in another state (insurance laws), but may enjoy a different read on a securities product, which VUL is.
Some states also require that an agent who sells an insurance policy to one of their residents must hold a valid insurance license from their state.
In insertion, even if you may write the application on a resident of Illinois, you must use an application form approved in Illinois, as the soul will be issued an Illinois version of the policy. So, if the Texas -approved application is not the one approved within Illinois, there could be a problem.
Life insurance beside cash importance don't pay out bread value when you die! They enunciate its a good mode to build savings! How is that so if you lose it adjectives and it doesn't go to anyone when you die? People utter you can borrow it. Why do I want to borrow my own money that I paid for? Cash helpfulness = scams!
I am medicare eligible as of 1-1-07. my problem is i am not 65 yrs.,, i am on disability.?
Question:
Because I am under 65 I am not eligible for most supplements. Medicare say I can get a MEDIGAP policy, except I cannot find an insurance co. that sell this type of plan. Medicare says that adjectives states are required to offer this plan for empire in my situation. If anyone else have encountered a problem approaching this please help. The insurance co. hold on to on trying to sell me the lead plan, but none of my doctors are on those plans (HMO). The Medigap plan works as the supplement to your original medicare & the rates are supposedly satisfactory. If anyone has any info tolerate me know.
Answer:
Since you have medicare you can obtain what is referred to as Medagap Insurance. Make sure that you have signed up for element B through Medicare. Most insurance companies offer Medigap sometimes call Medicare Supplement. You also need to evaluate if you should take the prescription coverage. Getting B coverage is a must the presciption coverage may not be but if you don't get it during the unfurl enrollment period the rates walk up if you get it latter.
turn to the aarp site
If you're 55 or over AARP, if you can't afford to pay premiums, I would suggest applying for your State's Medicaid or Cost-share, spend-down Programs. If you can afford paying an Individual supplemental plan, after I would suggest you find out with your Provider of Service as to what Insurance Carriers they Participate beside and take it from near.
When one is comfortable with the Provider of Service they own, it's hard to evacuate them because your Insurance Plan changed. It's like starting adjectives over again. Good luck in your turn upside down
Variable Life Insurance Policy Sold and Signed within Texas but client lives surrounded by Illinois?
Question:
Answer:
There could be a problem, depending on the laws of respectively state.
First of all, this is not single an insurance question, but a securities examine (VUL is a securities product), so you need to think through the securities laws of respectively state as well as their insurance law.
Most states do not mind one of their residents signing an insurance application in another state (insurance laws), but may enjoy a different read on a securities product, which VUL is.
Some states also require that an agent who sells an insurance policy to one of their residents must hold a valid insurance license from their state.
In extension, even if you may write the application on a resident of Illinois, you must use an application form approved in Illinois, as the personality will be issued an Illinois version of the policy. So, if the Texas -approved application is not the one approved within Illinois, there could be a problem.
I don't see a problem??
Well, the client requirements to change the address on the policy. If the client lives within Illinois at the time he bought the policy in Texas, the go agent will not receive commissions, unless he is licensed in Illinois too.
fine, as long as long as they are licensed within Texas. It matters where on earth they are physically standing (or sitting) as to which state applies. Most states have specific forms to be used singular in that state. Some times, depending on the company, they will own the form number & state abreviation (TX).
Also when signing, it should have have a place in the signature nouns that says "city & state signed".
Maybe. There are some things for concern though. Variable Life is a securities-based policy, so nearby is more than just state insurance law to worry just about. Also, although most states will allow a person who lives in attendance to sign in another state, some require that the agent is licensed within the state of the client's residence (I think Florida does). Even if it's ok, you enjoy to use an application for the state they live in, because the policy will hold to be one approved in the state of residence (if the policy is not approved contained by Illinois, they may not be able to issue it because nearby would not be an Illinois approved application).
In my opinion, your biggest verbs should be the rules for variable duration sales surrounded by each state, because you can win into really big trouble if you transgress those.
Life insurance with bread value don't discharge out cash significance when you die! They say its a moral way to build stash! How is that so if you lose it all and it doesn't progress to anyone when you die? People say you can borrow it. Why do I want to borrow my own money that I compensated for? Cash value = scam!
Is in that a insurance for a coffin?
Question:
Answer:
Sure, funeral parlors always insure their stock of coffins against fire & pinching.
what kind of insurance would you want to put on a coffin? it's not resembling you can insure it against bugs or anything, unless you plan to dig it final up at some point to check on it.
If a funeral director has them surrounded by stock they would be covered under the contents or stock portion of his insurance policy. The same would apply if someone have one in their home for doesn`t matter what reason.
I suppose if you have a valuable coffin (maybe a Saint is buried within it and you want to put it on display) you could insure it as such with a rider on your regular policy.
But surrounded by general, no, near aren't any policies around for coffins that are going to be used for their intended purpose.