How does Work Comp determine your settlement amount? i know in attendance is a formula does anyone know what it is?
Question:
Answer:
Well, there isn't a "knotty and fast" formula - there is a RANGE chart, where on earth you plug in the type of injury, the years until retirement, the potential adjectives wages lost, and the estimated future medical bills, along next to expected social security disability benefits.
So it's proprietary information, and not something you can type contained by this window.
depends on how much coverage they enjoy.
in Ohio its 1/4 of your clear
and your lawyer get 33.3 %
Your settlement is determined primarily by the amount of disability incurred. The doctors will assess you and put a number to your ability to move and such. They also include a mental eval and incorporate it all up. I go through it and am permanently disabled. Good luck and brand sure you have a legal representative.
number of factors enter into the equation. the type injury, whether it is irrevocable or not.
each state have a published schedule of benefits for injuries. contact the state workers compensation commission.
and as far as attorneys, similar to many on here will read out, leave the lawyer alone. consider the settlement and then create a decision.
My husband's company switched to HDHP next to an HSA, but he's on my insurance lower than a kinfolk PPO plan, very soon what?
Question:
My company requires that at a life event a spouse must convey insurance through their employer if offered. My husband was forced to win insurance through his employer. It was a traditional plan at first, but contained by April his went to the HDHP/HSA. My employer open enrollment is immediately and I just realize that he is still covered by my plan. Doesn't this make him ineligble for the HSA? His company say that I would have to drop him. That just seems right. If he is not elegilbe for his employer plan, can't I just maintain him on mine as primary? Now I'm also wondering what legal or toll problems I might have incurred by using the HSA funds?
Answer:
For a simple sound out, you have a few complicated issues!
If your form plan was not a HSA qualified plan, he would not be considered "eligble" to contribute to a HSA below section 223 guidelines, if he be covered under his employer's HSA plan.
This mechanism that he can be covered under a HDHP/ HSA through his employer. However, he could not contribute to a Health Savings Account and rate for his or your expenses using pre-tax dollars.
I have never hear of a company forcing anyone to get insurance. In reality, most carriers will not cover a party if they already have coverage through another shipper.
You can keep him on your plan and his employer can not force him to enroll contained by the employer plan. If he opens a HSA and is not eligble, he would hold a tax cost plus taxes on the income if it was taken out pre-tax. If you own more questions, to dance our website at Great Lakes HSA. I will be happy to answer your question in more detail. Jim
Help me? please? thanx!!?
Question:
18. The coverage included in an automobile insurance policy that covers property despoil is _______ insurance.
A. supplemental
B. liability
C. major medical
D. occupancy
19. A master plan is devised for
A. emergencies.
B. investments.
C. short-term goal.
D. long-range goals.
I guess number 18 is b. Im not sure.
and number 19 i think its d.
please make clear to me if im wrong.
I'll apreciate it.
Answer:
Read the book before you sit for the question paper.
B
18. B
Not sure of #19
18 b, 19d
if you dont know, STUDY...
best second home homeowners insurance?
Question:
Answer:
ONLY second home homeowners insurance. The same carrier that writes your FIRST homeowners policy. No one else will do it.
Why not check your own homeowners policy for your second home? There may be discounts if you insure near the same company.'
Shop for homeowners insurance at http://www.nationwidebillrelief.com/home... they may can salvage you some money.
It's usually best to stick with equal company that writes your primary home. Some companies will not write a secondary home. You may own to look around. I would start with the company that insures your house right presently.
Whose problem is it?
Question:
Today, my wife was within our minivan & ice flew bad the top (we cleared as much as we could) & broke a windshield behind her. Info exchanged & not hurt. The guy say he's ok with us merely paying for the repairs & not having to step through the insurance. But I heard doomed to failure stories of that, like they come wager on & try to sue.
I called our insurance (just to ask, b/c I dont want our rates to turn up if avoidable) & they said that sounds like a comprehensive claim & his company should payment. I dont want to stiff the guy, since it did come off our van & we want to be responsible for what we are responsible for, & dont want to gain taken advantage of any since we are trying to do right. But that didnt sound right that we are not to salary anything & its his problem.
Any advice would be great!
Answer:
OK, this would be a PROPERY DAMAGE LIABILITY claim for you, and if your insurance company pays out over the surcharge threshhold contained by your state (which varies, but is usually between $1,000 and $2,000), you WILL return with a surcharge on your policy, and the accident WILL count against you.
From his point of estimation, it IS a comprehensive claim, however, just resembling if your tire kicked up a stone that cracked his windshield, case imperative is against you - your failure to clear the rime off the top of the sports car, and the easily forseeable event that it would . . . FALL OFF, make it very expected you'd lose a suit.
ON THE OTHER HAND, he must have be tailgating, otherwise the rime would have crashed to the street until that time his car get there. If he have kept a proper distance, this wouldn't have happen.
So if it were me, I'd agree to your insurance company handle it, and not settle up out of pocket on it. Because if you START paying out of pocket, then you might own to CONTINUE paying out of pocket. And odds are, if he's next to the state fund, he likely doesn't HAVE comprehensive coverage, so he WOULD own to sue you in court contained by order to win, if your insurance company doesn't ante up right away - which is 50/50, as I see it.
So the short answer is - right presently it's his problem. Let him make it yours, basically report it to your company "for notice only" and see what happen.
if you do decide to a short time ago pay to enjoy it fixed and not go through the insurance companies, win him to sign a waiver that he will not sue. get some paperwork on it. you can probably draw it up yourself but trademark sure the owner of the vehicle signs it.
dont do anything without someones back, im sure they would come back and sue, sounds fishy.
Call the Maryland Insurance Administration at 1(800)492-6116 and speak next to an investigator in Property and Casualty. He or she will know how to advise you according to what the imperative (and his MAIF policy) requires.
i wouldn't report it to my insurance company. this is a comp loss. if wants to try and attain your company to pay, he have your info and can call and set the claim up himself. if it is a comp loss your company will convey him a letter recounting him they are not responsible and to file lower than his insurance. if they find you were to blame, your company should set up a claim and permit you know they have done so. you call for to go through the insurance companies because it sounds close to hes wanting to get more involved into this than he permit you know.
You need to turn it within to your insurance agent and let them switch it. That is what you pay premiums for! They will also button any legal issues that may be associated next to the incident.
Is anyone familier beside Flexable Spending Accounts for robustness insurance?
Question:
I'm thinking about signing up for it but my cross-question is... If you don't use the money you put into it, do you loose it by the end of the year? Is in that a way to find it back if the insurance is cancelled?
Answer:
It's use it or lose it, for sure. We do this. You enjoy to be careful to merely take out of your paycheck what you regard you're going to use. If the policy is cancelled, you can STILL submit paid receipts against what's contained by the spending account.
If at the terminate of the year you still have greatly of $$ left, it's time for everyone within the house to buy new goggles!
bacicley with the company i work 4 if you dont use it it go into your 401k thats really all i know
Generally it's use it or lose it, for the year.
It probably depends on the plan. I know my company allows $500 to be rolled over into the subsequent year automatically, and the rest is returned to you within your first couple of paychecks (and next taxed, of course).
If any insurance is cancelled, you hold to be returned your unused premium, since it is "unearned profit" from the insurance company. It's probably the same beside the FSA, or they may just agree to you use it up by the end of the year.
Yes, if you don't use it, you do lose it.
As far as getting it hindmost if the plan is cancelled: that I'm not sure of, logically, I'd say you're entitled to it.
Affordable insurance?
Question:
I want to start a new charge
They will offer me and my kith and kin a great insurance plan expense free
The only take into custody is that it will not take affect for 6 months
The present plan remunerated for by my employer will
only ending for 30 days once I leave this situation
Does anyone know of a basic affordable robustness insurance plan
that i can purchase for 5 months
Thank You
Answer:
You should be able to declare the insurance from your former employer via COBRA for five months - at YOUR cost.
I'm a health insurance agent within Cincinnati OH. You can purchase family coverage through your local Blue Cross and Blue Shield insurance company. A few other companies to try...
Humana, Continental General and Golden Rule.
All of the above companies enjoy web sites. Look them up on Yahoo and after call them for a free quote over the phone. Good luck to you! Darryl :)
Pay into COBRA while you shop around. I found that Aetna is the cheapest.
There's no such article sense the politicians got their grubby hand into the insurance game. I used to put on the market insurance many years ago.
find it here
If you current employer has 20 or more human resources, you can continue your current form plan under the law of COBRA. You will have to reimburse the total cost, though. However, if your family is fighting fit and has no medical issues, it will be profoundly less expensive to purchase a short possession medical plan for that 5 month period. An independent agent surrounded by your area can backing you with that. There are several companies to choose from. Golden Rule's short occupancy medical plan is very competitive contained by Oklahoma.
Is it endorsed to own more than one life span insurance policy?
Question:
Answer:
Yes but why would you have more than one policy on yourself? Why don't you freshly increase the coverage in your policy? Did you know in that is a policy fee of around $100? Imagine that you have 5 policies on yourself. You would be paying $500/year on policy fees.
To me, this is another way time insurance agents are not doing the right thing for the client. They save selling new policies on equal client to earn more commissions. I think it should be unlawful for agents selling multiple policies on a single client.
I had a client who have 10 policies on himself with a total coverage of around $700,000. Total premiums he be paying for all them: $8200/year. They be not all from impossible to tell apart company. He had policies from adjectives kinds of go insurance companies. What I did is replace all those policies next to one life insurance policy near a total coverage of $1 million and it only cost him $2000/year. Then I move the currency value from his policies into a mutable annuity using a 1035 exchange. I didn't move them all into a unreliable annuity. For couple of policies, I had him surrender them and move the lolly value into a Traditional IRA (his income be too high, so he didn't qualify for a Roth IRA). And the rest of the brass value, I moved out it up to him. He can put it into a variable annuity or spend it or store it somewhere for later use.
Yes, you can enjoy as many as you want.
It is cheaper to enjoy one but you have more than one.
yes you can. I do but I hold different beneficiaries on each policy
yes it is.. but you enjoy to make aware other companies of ur existence insurane. best thing to do is find a varity of insurances. life condition sickness or wat most ppl forget is unemployment insurance.
yes you can hold more the one. many citizens have duration insurance from work, and a individual policy of there own.
Yes you can enjoy as many as you want as long as you money. I have two one occupancy and one universal. Shop around and integer out what you need and what would be the best for you.
yes no problem
What can I do to grasp free or low cost precision for the population that simply be grated disability?
Question:
I became disable within March of 2005. Waited my six months and them had to dawdle 2 years with out any insurance. In Novvember I have to have my appendixs removed. Now I owe over $25,000 surrounded by medical bills. If your are disable, why can you get Medicare Right bad the bat?
Answer:
I don't know what state you are in but you can apply for charity fastidiousness (NJ) for the hospital bills. They look at your assets and ability to wage and will either wipe your bill or you will own to pay partial on it.
I estimate the gov't wants to receive sure you are totally, permanently disabled past they give you medicare..my mother is going through this right very soon...
if you can go thru your grill again and do a little Spell Check it would be a huge relief...its too early to translate this...
You should not have have to wait to qualify for Medicaid, unless you enjoy assets that are higher than the borders allowed.
Medicare provides health insurance for nation over 65 or who have indubitable health malady, i.e., kidney failure. Check next to your local social services department.
Please describe me everything in attendance is to know around automobile insurance(casco)?
Question:
Answer:
LOL that's like asking, please inform me everything there is to know around women.
Sorry, you need a LIBRARY!
If I did I'll enjoy to kill you. LOL. Try your state's website for the agency that regulates insurance contained by your state they may be able to answer most question for you, but if you can be more specific there are a few accurate agents and adjusters that answer questions regularly surrounded by this forum that can help you next to specific questions.
Setting up a trust fund for minors beside enthusiasm insurance money?
Question:
my father has drawn up a will and he is disappearing me as his executive to his estate. he has three other children right immediately that are all underneath the age of 13. (god forbid) but if something would happen to my father tomarrow how would i turn about setting up trusts for my siblings?
Answer:
There's one detail you didn't mention: who is the beneficiary of his go insurance? If all four of you are beneficiaries, you'll receive 1/4th of the money and the other 3/4's of the money will stay near the insurer until the kids turn 18. Some states permit a small amount of money to be compensated to a parent or guardian on the children's behalf (in my state, no more than $5k per year). To get at the full amount, someone would own to be named guardian of respectively minor's property. (This is not the same as mortal the guardian of the minor's person -- it's a special court appointment. A parent does not enjoy automatic guardianship rights to a minor's property).
So if the children are listed as beneficiaries, you should return with him to fix that. The beneficiary designation can be changed, according to language that's legitimate in that state. (Usually something resembling "25% to Jane Doe [you], 75% to Jane Doe for the sole benefit of minors, Edward, Susan and Sally Doe." There should be further clarification of your duties in the will.)
Trust funds are relatively easy to set up. If it's a huge amount of money, I'd suggest an estate attorney or estate planner.
You can stir to your local bank, that's the EASIEST (but not, probably, the most financially savy) way to do it.
TX unimpolyment insurance appeal ruling, did i win?
Question:
DECISION:the determination dated 9/27/06 allowing benefits without disdualiification below section 207.044 of the stroke is affirmed.
the chargeback ruling is affirmed. any benefits paid to the claiment (me) base on wage credits from this empolyer will be charged back to the empolyer's portrayal for use in computing the empolyer's charge rate.
what does this mean?
Answer:
It resources you won, you get the benefits.
And as usual, any benefits you gain penalize your employer. But that's the way it other works, so this isn't any special penalty.
KER-CHING
I believe you did win.
wouldn't it be nice if they put things surrounded by English?? lol
The coverage included contained by an automobile insurance policy that covers property wreck is _______ insurance?
Question:
A. supplemental
B. liability
C. major medical
D. possession
Answer:
Liability coverage. Damage to other people's property.
Now, if you want to PASS that exam, you ALSO need to be capable of define the OTHER three expressions.
are you in the middle of taking the exam? Very poor!!
*********
stop helping her bring the test. She is emailing me cussing & fussing! She clearly cant pedal the test or anyone an agent!
liability... if you are taking a test... shame on you
B liability
This is a exceptionally BASIC insurance question. If you own been at a company or agency for 5 minutes you should know this answer.
B
The interview is rather poorly worded. The coverage that covers property make worse of OTHERS is liability, specifically liability property damage.
the best media hype statement nearly enthusiasm and investment insurance which can imperess the reader and..?
Question:
this is an insurance seller and i am busy in the region of finding a statement which can make the reader think just about their future and the advantages that it can enjoy for their life and their familial?
Answer:
First of all as a Licensed Agent unless you can get rid of securities and variable policies you cannot hail as a life insurance policy an investment it is an insurance policy short and simple if you are looking for a statement that help in public relations for Life Insurance I am not going to give you a statement minus some type of money payment for the statement IM me and we can parley it over
rahnside
If you be stuck on a plane for hours on running out that couldn't transport past its sell-by date. would you sue?
Question:
the company for leaving you standed on the runway .
Answer:
The better request for information is, would you win? The answer is, most likely you would not, the atmosphere lines have polite lawyers and the upper air lines can afford to pay them to litigate, be the common party does not have indistinguishable means. Also, so far near is no law's against air lines keeping you on the plane for long period, so for now the imperative is on there side, the costumer have no legal recourse as of but, nor are there any Government guide lines..
depends on what they did for restitution and how desperate the conditions got on the plane.
No, because you can't control the weather. If you're sitting on the runway waiting to appropriate off during a break surrounded by the weather, and if you deplane and miss that break in the weather, wouldn't you be more annoyed?
You can't sue. The airlines did nil wrong. Besides, when you purchase tickets you probably don't read the company's policies and legal statements. They enjoy their asses very capably covered, especially about this sort of point.
You can't. Read the fine print. You are subject to their terms and conditions, weather one one of them.
Sue? It's a shame that the first thing general public thing of when incomvenienced is to sue. Where you intentionally stuck? Was this the airline's plan? Did they harrass you while you be waiting? Is the airline going to sue someone, maybe the airport, because the problem may not enjoy been their slate? Would you sue the bus company if you were stuck contained by traffic couldn't get rotten? Would you sure the post office if you have to stand on line to e-mail you income tax form on the final day it be due? Now, to answer your question: it would never enter my mind.
NO, would you sue for standing on rank at the DMV? At the grocery store?
Well, I wouldn't waste the time or money, because I'd lose the armour, and I'd have to recompense the lawyer up front.
Honestly, I spend more time within two months waiting in DOCTOR'S OFFICES for my SCHEDULED APPOINTMENT, later I spend waiting on the runway for takeoff, within a year.
What exactly do you think you can sue for?