Can my insurance company money for a medical nouns provided by a civil surgeon for immigration purposes?
Question:
Can my insurance company pay for a medical nouns provided by a civil surgeon for immigration purposes?
I have be asked to be be examined by a civil surgeon as part of my green card process. And I be wondering, can my Group Health insuranbce cover this expense? Any similar experiences may help. Thanks!
Answer:
Probably not. Most third celebration requested physical health exams are not covered by vigour carriers. Check near the company, your plan may be an exception!
They can if they want to . . . if it's not excluded, I expect they would.
Please, I would resembling the term and address lf State Insurance Commissioner of North Carolina.?
Question:
Answer:
James E. Long
Commissioner of Insurance, State of North Carolina
PHYSICAL LOCATION:
Dobbs Building:
430 N. Salisbury St.
Raleigh, NC 27603-5926
SERVICES FOR CONSUMERS:
The Consumer Services Division has consultants trained to minister to the general public next to a variety of insurance issues. They answer insurance question and help coach the public of available avenues to resolve insurance related problems.
Contact Us:
North Carolina Department of Insurance
1201 Mail Service Center
Raleigh, NC 27699-1201
8OO-JIM LONG (8OO-546-5664) - in North Carolina Only
REGIONAL OFFICES:
Eastern Office: 252-514-4813
Mailing Address:
P.O. Box 1691
New Bern, NC 28563
Office Address:
233 Middle Street
O'Marks Building Suite 212
New Bern, NC 28563
Western Office: 828-251-6483
Mailing Address:
P.O. Box 1688
Asheville, NC 28802
Office Address:
537 College Street
Asheville, NC 28801
Any LIC policy for the best return of investment?
Question:
Answer:
There is no LIC policy that offers the best return on investment. Plus, its not an investment within the first place. It's an insurance contract.
Why? First, you don't own it, the insurance company does. They just similar to to say you own it because you can borrow it. Second, the insurance company keep your investments when you die. Third, if you surrender the policy, you pay surrender charges that comes out of your investments.
So if you are looking to invest, consider mutual funds that are inside a tax-deferred accounts (if they even grant these in India).
Life insurance is not an investment, it is an expense for you and a windfall for someone when you die. Don't tolerate anybody tell you it is. Buy ONLY occupancy insurance for who ever. Then invest in the total stock bazaar mustual fund @ Vanguard. If your company has a 401K do that firstNo insurance agent can get hold of you the best return on your investment.
Insurance and Investment are two opposites. LIC policy may help you put aside tax but is a doomed to failure investment.
As gvh & sari say, the insurance is not a perfect investment.but you can opt for 30 year term of Endowment Plan, as return shall be maximum surrounded by 30 Years time.if you are young enoughyou can also opt for Unit coupled policy
But the best is pay 15% towards Life insurance (no returns, one and only insurance, approx 1000 p.a. for a 100000 insurance) and invest rest in Good Mutual Funds (SBI-MGTS93), or PPF rationalization for better returns and safe existence of your loved ones.
best in mutual funds
Life Insurance technique life covering benefits within any accident.
It is not pass best return . It is the investment for once family life span secure and also money will return near nominal interest.
For best return go time link super policy within icici Prudential company.
All insurance companies link and other high-status links at http://www.india-links.1freehost.net... .You can check details of policies offered on their sites
Insurance especially LIC is the WORST investement. Take a occupancy policy for 10 lakhs for max period. Premium may be around 1500 per year depending on ur age. Dont listen to insurance agents especially LIC agents words. They vote the best one for themselves not for ur self.
u didnt mention ur age and financial background. If U mentioned I would own advised intensely clearly.
If u want tax benefits invest surrounded by ELSS. nothing but mfs.
Ur nest egg should be like this (if u r at 30 years)
Insurance - 2%
shares(if u enjoy an idea) - 25-50%
mutual funds/ELSS - 30-50%
NSC/PPF - 10-20%
chit funds - 10-20%
U have to seperately invest surrounded by real estate ie plot or flat
ALL THE BEST
marketplace plus
No.
Yes, L.I.C. is well prearranged for a safe investment + celebration income.
If you want best returns you can choose some good company which will bestow good returns
eg. DSP merril Lynch
TVS Group Sundaram Finance
etc
Royal Neighbors of America robustness insurance, Has anyone ever hear of them. Is the insurance any fitting?
Question:
Answer:
I have never hear of them, but here is their information from AM Best:
Royal Neighbors of America
Print this page
A.M.Best #: 07010 NAIC #: 57657 FEIN #: 361711198
Address: 230 Sixteenth Street
Rock Island, IL 61201
Phone: 309-788-4561
Fax: 309-788-1439
Web: www.royalneighbors.org
Assigned to companies that have, surrounded by our opinion, an excellent means to meet their ongoing obligation to policyholders.
Best's Ratings
Financial Strength Ratings View Definitions
Rating: A- (Excellent)
Financial Size Category: VIII ($100 million to $250 million)
Outlook: Negative
Action: Affirmed
Effective Date: May 24, 2006
* Denotes Under Review Best's Ratings
Health Quotes: http://www.insureme.com/landing.aspx?ref...
Take care,
Ron @ InsureMe
Reviews of Gerber natural life insurance?
Question:
Does anyone have any personal experience next to Gerber life insurance, including the claims process? This is for a in one piece life insurance policy for an full-grown.
Answer:
Life insurance with dosh value don't rate out cash appeal when you die! They say its a virtuous way to build stash! How is that so if you lose it all and it doesn't dance to anyone when you die? People say you can borrow it. Why do I want to borrow my own money that I salaried for? Cash value = scam!
In general, integral life insurance is a unpromising deal. You can usually win term enthusiasm insurance at a better cost. The gimmick to whole duration is that you get a money component as well as a pure insurance coverage - most financial planners will communicate you to buy pure insurance separately, and take the extra money you would hold paid within premium for your whole energy policy and save or invest it yourself. You'll promising do better, but only if you in actual fact save!
However, I don't know the Gerber unharmed life product specifically.
I don't own any personal experience with Gerber go insurance. However, the life insurance claims process is strictly straightforward. Insurance companies require a death licence before they will pay packet the beneficiary.
I have no experience, but am totally turned bad by their ads on TV and their mailers that I come across to get every month!
how can i find out if adjectives of my deaceaced mothers life span insurances be adjectives claimed and who get them?
Question:
Answer:
Hi, sorry about your Mother. I don't know what state you're within but in Michigan Type into your computer, www.mich.gov. (Try your own state as expected.) On the right hand side of the page that comes up you'll see "Unclaimed Property." After clicking that page, A Dept. of Treasury page will come up. On the gone is another unclaimed property line. That page will hold a box to enter names for your scour. You can type in a specific entitle or just the second name to attain many (Coopers, example) If the baptize your looking for is on the list, the site will enlighten you which form you need to spread out for any initial claims. (Form 3433 for Mich.) But dont stop with your Mom. Start checking any relations name you know. You may be surprised or, be capable of help another home member. For a small finders tax. Remember, this is for Mi. States may vary a moment or two so use this as a reference, not exact certainty. Good-Luck.
Research Vital records. Must enjoy death pass.
Now that is something I can't really answer. You might try to find out who be the executor fo the will and ask that way.
First of adjectives, learn how to spell "departed."
Call the State Insurance Dept, of the City or Town you live in (Run by the Gov,t) They should be capable of let you know or describe you where to receive this info. Ifyou know the Insurance Company names after call them.
You own to have the policy numbers within hand, and phone up each of the insurance companies and ask if a claim's be filed on that policy.
You do NOT go and get to find out who the beneficiary is, unless you are executor of her estate - and you'll have to prove it by faxing over the executor agreement.
If you don't enjoy access to her papers and banking information, you'll hold to ask the executor of the estate for that information.
You can't.
You might be able to find out if the policies remunerated out, if you can find proof of the policies and which insurer had them. But next if you weren't the beneficiary, you have no right to the information, except that the policy paid out.
Even though this be your mother and you feel you own the right to this information, the insurance policy your mom took out was a contract and the just third party who have a right to such information is the beneficiary.
If you are trying to find out if you were a beneficiary and only didn't know ityou should try to find out the names of the companies she have policies with and ask them if you be a named beneficiary on any of the policies.
That they can speak about you.either yes or no. Beyond that, they may know how to tell you near are other beneficiaries, but they don't have to narrate you who.
If you think that a life span policy may have have you as a beneficiary then here are a number of things that you can do to find that policy:
How to look for lost time insurance policies:
oGo through canceled checks or contact the insured's bank for copies of antiquated checks. Look to see to whom checks were made out. You in recent times may find an insurance company.
oAsk those who may have set about the insured's financial situation. Try their attorney, banker or accountant. Also try their auto or home insurance agent. They may know where on earth the insured went for natural life insurance.
oContact the insured's past employer. An employer may know of possible group insurance. The insured may hold also purchased supplemental insurance through work.
oKeep in mind that here is no national database of lost life insurance policies.
Also, if the insured dies and three to five years following you, the beneficiary, still can't find the policy. There's a chance -- though a slight one -- that you can stir to the state, rather than the company, to capture the money
Ron @ InsureMe http://www.insureme.com/landing.aspx?ref...
Last query, what is the time limitation for a medical insurance company to wages a claim?
Question:
I'm dealing with an insurance company out of the country. They cover subscribers inside the u.s. and it's taking them 6 months to recompense claims. Any recourse??
Answer:
If the policy was issued to you on an individual proof here in the U.S., the certainty the company is out of the country doesn't matter -- it must comply beside your state's laws in relation to timely claim decisions. This time decrease varies between 30 and 45 days, depending on the state. If you believe this applies to you, contact your state's insurance commissioner's bureau in writing and directory a complaint.
However, if you're covered as a Certificate holder under a group policy issued to an employer or association located outside the U.S., consequently this insurer doesn't have to follow any U.S. insurance law. Many foreign countries have governmental agencies that regulate the business of insurance. I would be optimistic to help you identify the appropriate agency if you contact me through YA.
im a medical biller and u enjoy to call the ins company and ask them what their file limit is. As long as the ins bill is submitted to the ins co in the filing restrict they should pay the bill. However most ins companies whip between 30 days up to the filing contain to pay claims. Every ins co have a turn around rate as of how long it takes them to wages out claims but most of them do not abide by it. I wouldn't worry though as long as the ins co get the bill and are paying. Only worry when it take almost a yr for the ins co to pay the bill after the medical billers will bill the patient to take them involved with collecting the money from the ins co.
Probably not. My insurance company here IN the US have taken that long (with multiple followups from me).
Usually, though, you have to SUBMIT the claim inwardly one year, or they don't have to retribution it.
Depends... Generally speaking,
If its an individual policy Claims must either be rewarded, pended, or denied within 30-45 days of the received date. (in most states) You can wallet complaints with the department of insurance contained by your state, in this instance. most states enjoy resources available to do this online...
If it is a group plan, what's the hold up? The only entity I can think of that would produce a claim to be held up for such a long time would be if the employer group was, for some financial idea, withholding funds. I've seen that clutch weeks to work itself out.
Is there a problem near a claim? Or, are they simply not releasing checks? I'd be more than happy to sustain direct you
who can someone contact to breed a complaint on an insurance company?
Question:
I was involved surrounded by an automobile accident almost two years ago and we hold been trying to settle the claim. We mail in the paperwork accepting in that offer and it have been almost two months and we hold not heard anything from them. I own called abundant times to check on this and everytime they tell me that I necessitate to speak with a consistent person and I resign from messages and he won't call me backbone. I was wondering if in that was a positive bureau of investigation that I could turn this insurance company in to. They are terrifically unperfessional and have not help us in anyway. I would only like ancestors to know how these people treat other ethnic group that they are supposed to be helping.
Answer:
You contact your state insurance department - that's the short answer.
If this is YOUR insurance company, you have a potential "doomed to failure faith" claim.
If this is the OTHER person's insurance company, well, the insurance department won't backing you out, because the other person's insurance has NO requisite to settle with you!! Which money, they might be stalling you long enough for the statue of limitations to run out, later not pay you a penny.
SO. You involve to 1. check the statue of limitations in your state - see how long you can keep on before you sue the other driver and 2. if it's coming up soon, you obligation to call the other company, make clear to them that if you don't have a check contained by hand 30 days up to that time the statue of limitations runs out, you're getting a lawyer and file suit.
Also, you should pay a call in to your agent, ask them to intervene, and find out what the holdup is on this - get their pilfer on it, so to speak. You've already paid them for their services, it's time to phone up them in.
The insurance commission.
Every state have an insurance commission. Look in your phone book lower than state government. If it is nominated under another title, in that should be a listing for "information" ring them and get a phone number. Most states require the complaint contained by written form, but you can start with a phone bid. Good luck!
Yeah. U can easily solve this problem. U have need of to contact any known and worthy lawyer and start file customer case. This u can do making a off-putting to the insurance company and start your work with adjectives original documents. Morever they should know that this effects the company and still if they dont listen, u can threat them that u r going to put broadsheet ad roughly speaking the happened situation.
I would'nt of agreed their offer to switch on with. They would of official my claim/and settled with me and worte out a check the hours of daylight I said yes,.
State Insurance Board. It's often contained by the blue pages of your phone book, or try googling your state's website.
In New York: ins.state.ny.us
Can anyone recommend a reliable burial/funeral insurance company?
Question:
I'm looking to buy burial/funeral insurance for myself and other family member. Can anyone recommend a good insurance company to settlement with? I would prefer suggestions beside companies with whom you hold actually deal with contained by the claims process. Thanks.
Answer:
Monumental Life is by and large your best best picking. It is one of the largest funeral pre-funding companies in the USA. Most funeral homes deal in this insurance at their funeral homes, but you can always bid your funeral home of preference to check. This company is assured to deal next to, the claims process is simple and your money is protected. I would strongly encourage you to sit down next to a funeral director, discuss of of your options and the charges for those option. This then ensure that your wishes are in writing and afterwards you can move forward with funding option. Hope this helps, whip care and correct luck!!
Its usually cheaper to buy small whole existence policies for this purpose.
Make sure you understand the difference between a true Funeral Policy and regular enthusiasm insurance (burial or final expense policies.)
A Funeral policy can only be sold through an agent acting on behalf of a funeral home. It offer lifetime guarantees against inflation. The goal is usually to take-home pay the policy in full inwardly a short period of time (3 to 5 years) and can usually be remunerated off on a same as bread basis for a spell of time. The death benefit usually grows at a rate of around 4% per year and the funeral home will write rotten the difference if inflation goes complex than that. You buy a policy for the exact amount that your funeral would cost today (say $6,000 for example) and if you died 30-years later, your policy would own a death benefit of $19,460 (using the 4% growth example.) If your funeral is more than that (due to inflation) your familial does not owe a single penny (that is the guarantee.) But if your funeral is less than that, your beneficiary get the extra insurance paid to them. They are incredibly good plans. You can other transfer your policy from one funeral home to another but you must verify the recieveing funeral home will adopt it as guaranteed (most will bbut some will not.)
Regular burial policies (not sold through funeral homes) usually require lifetime payments and no growth. This gives them a much lower contribution but it never ends. And they never keep up near inflation. These policies are best for people who are massively poor and can't afford much payment but they usually set off you way underinsured unless you die at a completely young age. Most folks who buy these would be better off positive their money in a funds account but the downside is...if you did die youthful you would leave a problem (debt) for your home. The other problems with these policies are they usually do not pay cheque a death claim for several weeks after you die and funeral homes and cemetery often require money before services. They also can end in problem when needing to qualify for Medicaid.
The largest and one of the best Funeral Insurance Companies is Forethought. A- rate with AM Best
The 2nd largest is Homesteaders. Good track copy and terms but single a B+ AM Best rating.
Monumental is a good one but is more certain for their regular life insurance product not thier Funeral Insurance. A+ rate company.
With any of these companys, make sure you buy it through the funeral home you plan to use. Get the guarantee surrounded by writing. Make your check out to the insurance company (not the funeral home.) Make sure you understand how long you must variety a payment and total up your payments so you know how much you will discharge in total (shorter gift terms amass you money.)
Most importantly, make sure you know your same as dosh payoff options and try to use them:
Forethought= 90-days guaranteed
Homesteaders=2-years guaranteed
Monumental=3=years non-guaranteed
Southland= 2-years guaranteed
Great Western= 2-years guaranteed
I get a cheap one
What effect will a speeding ticket enjoy on my State Farm auto insurance premium surrounded by Indiana?
Question:
Would it be better to take the ticket deferral or newly pay the fine? It be a minor 2 point violation for speeding 54 contained by a 40. The state trooper also issued a written warning for disregarding a traffic signal. This is my first ticket contained by over seven years and State Farm states this shouldn't raise my premium. Is this true or are they simply saying this so I will pump more money into their company. Anyone au fait with this process...Please Help?!?!
Answer:
First of adjectives, in Indiana they can't metamorphosis your premium until your next renewal. So find out when specifically and that will tell you when you might expect your first adaptation. The only entity you can do is to pay the ticket and hang around to see what actually happen.
Like I say, your premium won't conveyance until your renewal and you will get 30 days sense before your renewal. So if it does jump up you will have plenty of time to grasp other quotes and make a modification.
If you haven't had any tix or accident in a while later it may not increase your premium, but you just hold to wait for your renewal to know for sure.
You should collaborate to the city it was issued contained by and see if you can double it. In most cases, at least where on earth I live, you can double the amount and it will be reported as a non-moving violation and not even affect your insurance.
If you find out that your insurance will step up, paying twice the amount is cheaper than paying more in the long-run.
hi... i really dont know in the order of it.but i m sure my agent can help u.im from india and work for a US base company for health,home and auto insurace.if u can donate me yur address and phone no. he/she can contact you and can help u next to yur query.
my email: ag.sneha@gmail.com
If your agent say it won't raise the premium, it probably won't. Most insurance companies "forgive" the first ticket.
Geico powered breakdown insurance ask?
Question:
The Toyota dealer told me that they are not authorized to submission this insurance? Why would this be? I have the insurance starting today, but does anybody know if this works economically?
Answer:
I didn't even know GEICO did it. I have no thought about it, you'll hold to try a few claims and see how it works.
The dealer can't supply you "insurance" without an "insurance" license. It's private in ALL states. They can bestow you an "extended warranty" which is NOT insurance.
Why don't you ask Geico?
Your Toyota Dealer must be kin to the Geico Caveman.
Worthless coverage. Much like the rest of a GEICO policy. But, you'll be fine as long as you never get hold of hit by an underinsured or stolen vehicle... Best of luck!
what insurance companies are not here contained by florida to tender homoewners insurance coverage?
Question:
could you please tell me what insurance companies are vanished in florida that offer homeowners Insurance aside from citizens
Answer:
Here is a list of agents that vend homeowners insurance in Florida: http://www.insuremyhouse.com/florida.htm...
Its sorted by closure code.
As an Allstate Agent in SC, I know that we still insure homes within Florida. Try www.allstate.com for some local agents in your nouns. If you don't there, telephone call 1-8OO-255-7828 to find out about some around you.
Hope this help!
Just recently the Florida legislature passed a bill that adjectives companies that write other forms of insurance in Florida and submit homeowners in other states hold to write homeowners policies in Florida. I don't know how soon it go into effect but you may want to check with highest insurers like State Farm , AIG, and worst armour scenario you may end up next to Citizens.Allstate still has some policies surrounded by the state but it has not be taking on new ones of unsettled.
I went thru the Farm Bureau ... they use Cypress Property.. and they consent to you pay surrounded by installments instead of all at once.. specifically a great feature since the prices are continuing to step up. Good luck in your rummage.
Foremost still writes in indubitable parts of Florida. you would have to find an agent and ask, though give or take a few your specific area.
Why some those do not buy strength hinsurance?
Question:
why some people do not buy vigour hinsurance? even if they can afford it. The insurance cost less consequently a cop of coffee a day.
Answer:
Well, for SOME associates, it costs that. For others, it's way, mode more expensive. If you already have something serious wrong beside you (including obesity), it's not going to cover that something.
There are about 25 million uninsured culture in the US. 12 million of them are here unlawfully - so that's why half of them don't enjoy it - they don't have a social collateral number, or are "underground population". Half of the remainder are the young, single, underneath 30 set who KNOW they are uninsured, and choose not to be - to save the $200 a month for other purposes. It's a financial judgment that they are making.
The remaining 25% are the people who can't afford it, or won't buy it because it won't cover the stuff that's ALREADY wrong, and they don't want to cover fresh conditions if someone won't pay for the antiquated conditions. They're hoping for government robustness insurance - medicare or medicaid - although those won't cover pre-existing conditions, either.
because they have a sneaking suspicion that they're healthy.. in a minute that they're still alive and kicking.. cigarettes and alcohol are more important than insurance..
Maybe because vigour hinsurance doesn't have like peas in a pod benefits as medical coverage.
If you are young and decent, it's a bad bet. Costs more than 90% of the childlike and healthy cost the system.
Of course, it's a big risk for the small number that come down beside a disease or an accident.
I don't drink coffee so I don't know the cost, but deep coverage for me with $2,500. deductible is $397. a month
I can't afford it,,
if coffee cost this much/day, sure glad I don't drink it...
im here contained by taiwn,i merely want if sss receive my contribution through EEC,ending september?
Question:
Answer:
Let me look that up, hold on, please sir- yea we got it, do you want a delivery?
An insurance company have written 76 policies of $50,000, 491 policies of $25,000and 945 policies of $10,000?
Question:
on people age 20. if the probability that the human being will die at age 20 is .001 how much can the company expect to pay the year the policies be written?
Answer:
Your answer is
( (76 * 50,000) + (491 * 25000) + (945 * 10000) ) * .001
or 255,250