How can i win my sss contribtion?
Question:
searching for the sss contribution match on my account
Answer:
If you are discussion about the amounts credited to tou social deposit account you can record form SSA-7004 with the social protection administration and they will convey you a report of credits and your estimated benefit at different ages.
It might be available on the GSIS website:
If you are talking in the order of your personal social security contributions, you should be getting your statement annually roughly 2 months before your birthday.
Did anyone not go beyond the (p&c) insurance exam the first time?
Question:
I just took the exam today &I didn't intervene, & now I'm upset. Did anyone else do like & not pass it the first time?
Answer:
Don't sweat it. Everybody fail a test from time to time (P&C be one of the ones I failed the first time). I've get my Life and Health, Property and Casualty, Series 6, 63, 65, 7 and 24. I'm a CFP (5 classes and a 2 day comprehensive exam) and own taken 7 of the 8 required classes for my ChFC. From time to time, you're gonna fail one. Get up, study again and purloin it again. When you pass - you never hold to take it again and that's a great sentiment !!
"18 times, I've taken the game triumphant shot and missed. I've failed over and over again. And i.e. why I succeed."
-Michael Jordan
The person subsequent to me did not pass the first time. You lately need to study a bit bit more and retake the test.
I didn't pass by and neither did a lot of individuals in my class.
When I took my P&C exam almost everyone that be in their be back for their 2nd or 3rd time. We enjoy also had profoundly of trouble here in my bureau finding someone who can pass the oral exam. If your state has an exam simulator on disc you should buy it. That is what I studied from and I passed the exam the 1st time solitary missing 1 question.
I passed the life/health, property/casualty, and series 6 exams the first time. I passed the series 63 exam on the second try.
Don't surface bad, tons people don't overrun it the first time. Review your material and lift it again. Where did you go to rob the course for the exam? They may let you sit through it again for free prior to taking the exam again. Check into that and I'm sure you'll go past it next time!
Good Luck!
My ex-boss, who owned his own agency, took it three times previously he passed.
Snap, but for a question or 2, would hold had an ace. Once took the S. C. state existence and accident exam, 150 question, aced it in 12 minutes, exam Proctor couldn't believe I be done and ready to set off.
Yes I failed it the first time around missed by two points get a 103 then I go back to paperwork and took it two weeks later and passed near a123 score. I applied a true and tested channel of taking test to the p&c, when I did not know a interview I skipped it then when I finished I go back and reviewed the skipped question which were just about 10 and if I still did not know it I just picked C or the longest answer and it worked. I enjoy applied the same technique to AIC and CPCU courses and it have also worked. I am almost finished with my CPCU designation should be done by subsequent summer.Good Luck the next time you should be fine.
I have a coworker who took the test 7 times. He be a very well brought-up and successful agent and eventually became organizer of a district. If you really are interested in a work in Insurance, stir for it. You can make a angelic living
Would you loan money to someone if they offered to schedule you as benefiary on natural life insurance?
Question:
Answer:
No because I found out that they never pay you fund unless you create a legal contract that inventory the terms of the loan. Even if they did document you as a beneficiary on a life insurance, they can metamorphosis the beneficiary at any time.
NO!
I tend to NOT loan to family and friends.
It brings out the worst contained by people.
You dont know if that being will die in debt and you wont return with anything anyway since the estate will be eaten up surrounded by taxes and fees.
Tell the friend that you dont have the money to loan him.
Tell him how generous it is that he is going to remember you in his will but that you savour his company right now and dont really want to have an idea that about it.
If this guy have insurance he might be able to borrow against it to rasie the money that he requirements.
DO not loan him any money
this smells like a rat!
no..
they can devolution that at any time..
only route for you be to sure...
you would have to be the primary holder and the payee..
thus not a soul could change policy but you..
course you stuck near payments also.
not unless you were planning on butchery them...
I would if they were on their departure bed!
NO. Because at any point in time, they can conversion the beneficiary clause. Also, they can stop paying it.
I'd offer to loan them money, if they give me their car as collateral. And it be worth more than the loan. AND they gave me the title to the sports car.
As has repeated be pointed out here, changing the beneficiary doesn't guaranty a point. However a new policy can be purchased near a beneficiary designation that is irrevocable or is revocable individual upon repayment of a loan or other condition. This is done routinely in the luggage of small business loans.
Is near a agency to find out who claims residence at a expert address?
Question:
Is there a network site that I can go to and input an adress and attain a list of adjectives of the recent occupants?
Answer:
Finding information for the owner of a property is pretty assured. The local city or county website might have info within the clerk's office fragment or tax assessor's paragraph. If not, you may have to name and visit these places surrounded by person to scenery the public record.
Now finding info on a tenant non-owner is a bit harder. There are a few websites (found near an easy Yahoo search) that will charge a levy to do a reverse address look up. Private I's and process servers use these religiously. Beyond that, you may need a private I's give a hand. Good luck.
I sure as hell hope not.
It depends where you live. If you're looking for the current denizen, a lot of cities/towns enjoy a link to the town Assessor's webpage. Some don't own any real info, perchance just an address relating you to send them a notification for information but others offer more. You would want to look for the finishing "reval" (revaluation) info which would be the last time adjectives the buildings in town have been assessed for levy purposes. Some require that you set up an account (free) for a password. You can usually rummage through the property by address, lot number or sometimes by the property owner's name. Most will endow with you the name of the currant citizen and what the assessed value of the property is. Some don't mention the owner's pet name at all. Occasionally, it will index the last few date of sale so you can see the name of the people who owned the property beforehand. There is no way to find occupant of apartment buildings if the apartments are being rented, same for houses. They will single give the owner's identify. NYC recently added a searchable database for co-op apartments within the city. It has current owner info and you can see most of the ethnic group who own an apartment in a pernickety building.
There's no easy route to find a list of adjectives past occupant that I know of other than private clear websites that search outdated phone book listings. Ancestry.com has this part and will give you info for most towns from 1994 on.
Searching for this info is a valid pain and can steal awhile. G00GLE searches including the autograph of the town or county and "reval" "tax assessor" or "property" sometimes work if you can't seize to the page from the town's official website.
Here's an example but it's merely for some towns in New England:
http://www.visionappraisal.com/...
No, but that information IS available through Choicepoint for society like insurance companies, so they can find out if here are any other household members you aren't address list on your auto policy.
If you have a Lexis-Nexis narrative, you can get this information.
They do own an a la carte service, so you might be able to rummage their website to see if you can get this service on a piecemeal font without have to to sign up for a full fledged account.
They use like peas in a pod sources of information that ChoicePoint does so you can get matching access as an insurer would have but with the sole purpose need to repay the consumer rate, not a commercial rate.
Insurance companies and most agencies can find out that information. Although it is not always correct. The previous owners of a house or previous tenant of an apartment can show up. The report used is called an A.D.D. report. (additional driver discovery)
Can you show me an example of insured money?
Question:
Answer:
There actually is insurance next to a 'savings plan'.
It's called any number of things...
intact life insurance
everlasting insurance
universal energy insurance
All these combine life insurance next to savings vehicle.
However, almost all are a unpromising deal for most inhabitants when you consider you are paying a large amount of your money out contained by fees, commissions and profits when you can buy other kinds of insurance (like residence insurance) cheaper and use the savings to invest on your own.
Depending on how you invest the currency portion of your permanent duration insurance, it may or may not be 'insured'.
Bank savings accounts.
Any amount up to $100,000 you deposit contained by a bank, which say "FDIC INSURED", is insured savings. It process, if the bank get robbed, they'll replace the money you had.
That is the ONLY insured money there is. Everything else is any investing (and insurance products are lousy investments with lousy returns - for the insured), or a ponzi venture. Insurance is NEVER a savings plan. If an agent tell you that (while trying to sell you insurance) thieve advice from Monty Python and RUN AWAY! RUN AWAY!!
Have you ever?
Question:
droped a baby, "By stroke of luck?"
Answer:
It does happen..
Once my aunt be changing her baby's diaper contained by her lap. His herald was by her knees. She's really little so I guess he squirmed a bit and fell. He cried but he be ok. Gorgeous, smart little boy today!
I hope nobody has EVER dropped a newborn "on purpose"...
did they drop YOU when you were a toddler ?
If he lands on his head, probability are he'll grow up to ask questions similar to this in an otherwise productive forum.
jump drop your head!
Only the plastic compassionate.
My coup¨¦ be hit by an uninsured within a stolen motor while parked at a friends house...?
Question:
Would the homeowners policy pay for damages to my vehicle while parked within the driveway? There is no insurance on the girl driving the stolen car and the policy on that sports car has already denied my claim (because it be involved in a crime and no approval had be given to the girl to drive it). I canceled collision on my car because it's be paid for for slightly some time. So I'm hoping that the homeowners insurace for the property I was parked at may cover the damages.
Answer:
Your friend's Homeowner's policy will not cover this type of claim lower than the Liability portion, as they are not legally liable for what happen. Some Homeowner's policies have a Voluntary Payment for Property Damage coverage, which is used to clear for damage to another person's property which the insured be involved with but would not be held lawfully liable for (although by the sound of the situation I'm not sure if this partition would apply). However not every company offers this, plus the curb is usually pretty small (I doubt it would be enough to cover adjectives of your damages), plus even if your friend agreed to file a claim below this, they will soon become an ex-friend when they discover they have lost their claims free discount on renewal, so I don't recommend going this route.
Call your broker/agent (ASAP) and confirm if you enjoy some sort of protection for uninsured vehicles/motorists, or check your own policy if you feel comfortable. If you do, afterwards file a claim next to your company. The limits for property defacement and bodily injury/death vary next to each state/province/territory, so check beside your local agent/broker, and don't rely on numbers given on this forum (since you didn't mention where you live), any info given on this forum may not be applicable where you live (auto insurance is not a federal jurisdiction). If you do not own this coverage, I'm afraid you will have to hire a advocate.
You car is covered underneath the uninsured/underinsured portion of your policy.. Contact you insurance company..
the home owners were not responsible for this they be being nice letting you park the vehicle their so no in that insurance wont cover it but the guy fleeing in the motor and the insurance company for the car he have covers this i had my sports car stolen and it was crashed into another saloon and my insurance covered both cars plus you should have your insurance company thieve responsibility for getting your damage rewarded for why would you want to lose a friend by making their insurance premiums go up that be an option you should own never even considered that is what is wrong beside america
Unfortunately the friends HO policy will not pay for the make worse to your vehicle because the damage be not caused by the negligence of your friend. Your HO policy will not foot because vehicles are not covered property. Since you dropped collision your auto polcy will not compensate but that is where on earth the coverage belongs. The last prospect would be if you have Uninsured motorist property overexploit coverage (UMPD) on your auto policy. This coverage pays up to $3,500. for your car if you hold no collision coverage and the damage be caused by an uninsured motorist, which is the satchel. The coverage is pretty cheap, less than $100. Good luck!
HO policy does not income as it was an auto. If you hold uninsured motorist property damage - UMPD (which is not like peas in a pod as uninsured motorist coverage, that covers injury) it would cover it, otherwise you are out of luck.
Homeowner's doesn't cover it, because they were not liable for the damages.
If you enjoy Uninsured Motorist Property Damage (UMPD) that will cover it...but UMPD is not available in adjectives states.
You said the girl herself doesn't have insurance. But if she lives near someone else who does have insurance, she would be considered a resident relative and may be covered below their policy.
Additonally, continue to monitor the status of the robbery claim. Sometimes cases are initially called theft, but turn out not to be (a couple is fighting and one reports the sports car stolen, or it turns out she did have approval, etc). If that is the grip, appeal to the insurance company to review the claim for payment.
I hold to be present when a creature signs up for policies correct.?
Question:
I am a new vigour insurance agent and have this client. A pretty right size one that I have be working on for weeks. Its the end of the quarter and be trying to close it in 2 days. Were working next to an HR person who lives out of state. She is refuse to let us see the team to have them sign the called for documents. The company is paying for their policies all the workforce need to do is merely sign 2 things. This is illegal for me to transport paper documents over to her and enjoy them sign it without me present correct. If someone have had a situation close to this please help me out. Also we go to the owner (HR sister) and she told me to talk to the HR party. Weve gone around in circles for weeks near her. I will lose me license due to errors and omissions if i do this and something go wrong,correctI just stipulation some help. I know theres like mad of info that is not here out. But any help would be great. Thanks
Answer:
Whether or not you hold to be present with the member of staff, is going to vary state by state. But if you've already be told it's illegal for you not to be near, well, do you want a client that's going to be breaking the imperative? My philosophy is, they're probably hiding something, that is probably going to come final and bite you in the reverse, and YOU are going to be the fall guy.
Sometimes, it's worth it to waddle away from slimey customers. There are more out there - it's NOT worth your job.
**I thought about this final night, while up beside a crying 2 year old at 3am. Ya know, you can't POSSIBLY be next to every single employee who signs up to be member of a group policy. If they have 3000 team in 20 office, it's just not convincing. You need to phone up your marketing rep and ask. This is a GROUP policy, right?**
Who told you that you have to be present? I would ask your state insurance department. I connote, other documents are signed all the time, and mail, and there is no issue in the region of the person they are sent to have to be there.
Wether or not you requirement to be present will vary from state to state. In my own personal experience I've signed up for vigour, life etc from my employer and never once met near an actuall insurance salesman (the paperwork I filled out have all be part of a standard different hire packet etc.).
Worst case scenario, drive the HR those office or at smallest get HR and Sister on a conference beckon and layout all the cards on the table and if have need of be just stride away.
No commision is worth that up close and personal attention you'll feel from your cellmate bubba.
What is Title XX?
Question:
What are these funds used for, have at hand been any change in policy, or own there be any cuts in funding?
Answer:
I surmise you are talking roughly the federal program that provides social services block grants that are given to states for a in one piece host of social service programs.
Since they are block grants the money allocated to the states vary by whatever the state requests it for.
I'm sure there enjoy been cuts contained by funding. There have be cuts in pretty much everything to salary for other spending (like the War in Iraq, duty cuts, etc.)
Best insurance company to insure my cell phone?
Question:
Answer:
Its not insurance, its called a warranty, resourcefully at least surrounded by the US anyway. If you are clumsy like me who drops the cell phone regularly, then you should gain a warranty when you purchase the cell phone.
Why not use the company your cell phone is from.?
Laid past its sell-by date at 8 months pregnant?
Question:
What kind of company lays bad an employee who is 8 months pregnant? PULTE homes that's who. What a piece of SH** company! No vigour insurance for a brand new newborn. PULTE SUCKS!!
Answer:
I have hear Pulte sucks. They are a sketchy company. I would never buy a home from them. They are cheap.
Good luck. COBRA for a few months and then try to find insurance elsewhere.
That is pretty impossible. I will say contained by the long run you will be fine! Life goes on!
They enjoy to offer you COBRA coverage.
Anyone can be out of a job at any time. Thats just how things are.
Your individual laid off will not affect your coverage as long as you discharge your COBRA premium.
that sucks
Unemployment and Medicare can cover you! I know how hard it is to be humble and ask for oblige but it is available to you if you need it. Cobra is path too expensive, I would have have to get another position just to afford that. Its cheaper to salary out of pocket. Look into what is available to you - even tho your pissed you need the coverage for the different baby. Good luck and God Bless!
They enjoy to offer you COBRA. That should (temporary)take consideration of the medical part. Can the mother to be prove that it be discrimination? At the lowest possible, she need to settle to an attorney (any attorney would at least listen short asking for a retainer)
OK, I got out of a job at 5 months, so I know where you're coming from.
HOWEVER. Check near your state CHIP program - Childrens Health Insurance Program - for free or low cost health insurance for the child. A lot of them will also cover the pregnant mother.
She should also sign up for your state WIC program.
If you've been out of work, you can still keep your current form insurance by electing to enact your COBRA coverage.
Part of the Consolidated Budget Reconciliation Act (one of the the federal elected representatives budget bills during the Reagan era), required group health insurers to keep hold of in force condition coverage on employees who are terminated for positive reasons (being let go does qualify) as long as the former employee remunerated the entire premium.
You will get a identify from your employer of your rights to elect COBRA coverageyou can even choose this retroactively for up to 60 daysagain so long as you pay the full premium.
The sturdy partyou may not realize this but your employer likely rewarded 80% or more for your insurance and you'll see just how much this be when you have to money the full premium.
It can be as high as $300 a month or more for single team and more than $1200 a month for family coverageso it is not cheap.
This even works if you employer be self-insured under ERISA (another federal alphabet soup acronymthis one is for the Employee Retirement Income Security Act)...which allows companies beside more than 50 employees work as their own health insurer by paying claims themselves...but they don't hold to abide by state solvency or mandated benefit law.
So, don't go postal however.your baby wishes you to stay calm.
I'd only just pay a few months premiums and annul after the baby is born, if you give attention to you can get on some other insurance plan.
sounds approaching an americans with disabilities work claim to me. Contact a good labor (not a pun) attorney. They also hold to offer you COBRA coverage for your form insurance. This would force you to pay the premium but to be precise a small cost as compared to going into child birth without coverage.
Anyone enjoy any expertise on Life Insurance? What happen to the monies invested once a policy lapse?
Question:
I have a friend who's Life Insurance policy lapsed due to defaulting of premiums, after losing her job. She have paid into the policy for 10 yrs. I thought she might enjoy some sort of refund or (partial reimbursement) due her . She think she's entitled to nothing & won't even give the name the insurance company. Any ideas?
Answer:
When a policy lapse, the insurance company will use the currency value to wage for it. While that may sound perfect, your friend is borrowing money from the face amount is she don't pay envelope the missed premium(s) back. Monthly interest will incur on the loan and she will own to pay this as resourcefully.
For example, lets read out your friend has $100,000 coverage. Her annual premiums is $800. Loan interest is 6%. By the run out of month 1, she will owe $804. Her face amount will be reduced by the amount she owe, which will be $99,196. By the appendage of month 12, she will owe $849.34. When her next bill come, she will owe $800 plus $849.34. If she don't wages them, she will owe $1657.59 by the end of that month. This money will be deduct from the cash helpfulness. When the cash merit hits zero, the amount she owe will be completely high if she still want to save the policy.
Remember, face amount of the policy will be reduced by any missed premiums and any loans taken from the brass value.
If this be term insurance, the policy will automatically be canceled if you don't pay packet your premiums by the end of the grace interval.
Once a policy lapses, it is gone.
If it is residence, the premium hasn't been salaried, and coverage lapses.
If it is everlasting coverage (whole or universal life), the policy remains within force until the cash pro is insufficient to pay policy expenses.
In any case, once it is lapsed within is no value.
She should definately phone and check. If she wants to hold the policy going she may still have time. Most companies will consent to you sign a reinstatement request. The request will ask some basic question about your robustness and as long as there hasn't be any major change since the policy was written they should reinstate. Without knowing what type of policy this be, there is no path to know if there is any bread value in that. If the policy was written 10 years ago its a moral time to make sure that they enjoy the correct mailing address newly in travel case.
If it was a 'Whole Life' policy ti have some cash effectiveness after 10 years. Normally, when the policy lapses for nonpayment, the insurance company automatically converts it to a 'term' policy contained by the same amount. How long that remains surrounded by effect is determined by the cash effectiveness. There will be a chart in the first couple of page of the policy that breaks down how much cash worth the policy has per year of premium payments.
If it is a 'Term' insurance policy, it is gone for biddable and so are all the premiums. Term policies enjoy no value once they lapse.
Life insurance next to cash merit don't pay out currency value when you die! They influence its a good method to build savings! How is that so if you lose it adjectives and it doesn't go to anyone when you die? People voice you can borrow it. Why do I want to borrow my own money that I paid for? Cash efficacy = scams!
if its occupancy insurance and has no brass value or dividends to settle up premiums she gets nought. if it is permanant insurance and has bread value the automatic side is extended term insurance compensated for with the dosh value. she have to request the cash significance in the policy if she elect to receive the cash utility that has be built up over the past ten years. own her contact her agent or the company. insurance companies have tons of money that could be compensated to benificaries who have never made claims for the annihilation benefit of the extended term insurance.
what are the top 10 condition insurance companies?
Question:
Answer:
The 10 Largest Health Insurers (2003)
(by revenue)
UnitedHealth Group
WellPoint
CIGNA Corp.
Aetna
Anthem, Inc.
Humana
Health Net
PacifiCare Health Systems
Oxford Health Plans
WellChoice
Hope this helps,
Barnes@MostChoice
http://www.mostchoice.com/health-insuran...
Blue Cross Blue Shield
Aetna
Humana
AIG
sorry those are the individual top ones I know of
1) Blue Cross Blus Shield (states have their own plans)
2) Aetna
3) Humana
4) United Health Care
5) Unicare
6) Cigna
7) Coresource
8) Trustmark
9)Fortis Benefits
10) State Farm
plus tons smaller companies that are state specific and companies that participate contained by networks such as Private Health Care Systems, Beech Street, and Multiplan.
I have have Blue Cross and Aetna. Blue Cross is excellent all around - Aetna is okay I guess.
In jargon of what? Population size? Customer satisfaction? Not screw the doctors?
Those answers would all be at variance...
Can someone explain this to me, it's more or less medical insurance?
Question:
I got a communiqu¨¦ from the insurance company, it says this is not a bill
it shows what the hospital billed and whats allowed and not permitted, then at the bottom it say
2006-Member deductable to date $250.00
2006-Family deductable to date $500.00
2006- Member Coinsurance to date $3600.00
My out of pocket maximum expense is $3500.00 and the deductable that I have to pay cheque is $250 - this is according to the benifits book.
What I want to know is, the $250, $500, $3600 listed, Do I owe adjectives of this, or just the $3600 and the $250
I don't comprehend why it says home deductable and I thought I only have to pay $3500 and the $250, but it say $3600.00
I can call the tomorrow, but I'm basically wondering if anyone out there can relay me something tonight.
Answer:
I work in HR and bar the benefits for our firm. The plan that you are on has an individual deductible ($250) and a family connections deductible ($500). I assume that you are enrolled single as an individual, with no dependents, correct? This is a short time ago outlining what is due based on your plan type. If you are enrol as an individual, then that portion individual applies to you. You should only own to pay your out of pocket max and the deductible. Call your insurance company first entity tomorrow, they will be able to clarify and point you contained by the right direction.
Most plans have a per party deductable and then a per loved ones maximum. It looks like your relations has met it's maximum of $500 (which you would owe if you hold not paid your share of the bills yet).
The co-insurance within 2006 so far has be 3600. Depending on the structure of your policy, that may mean nil. Sometimes the policy is structured so you always hold to make a co-payment to doctors which does not count towards your out of pocket maximum, but it's not clear whether this is a co-payment or if co-insurance way your share (do they pay a percent or do you hold a co-payment at the doctor's office?). Generally once you get your out of pocket maximum then they settle 100% of everything, but again some policies are structured so that the co-payment doesn't count and doesn't go away.
Otherwise, they should be paying everything over 3500, and your 250 or 500 deductible (250 if it is freshly you 500 if it includes other family members) is PART of that 3500. Is it 3500 maximum per family connections member or per inherited? If it is the first, then your personal expenses shouldn't exceed 3500.
Bet I'm confusing you more. Not have the policy in front of me I can solely guess.
Oh! it's cool.I get this adjectives the time.It's just letting you know where on earth you stand with the deductible.By letting you know what have been rewarded by your insurance company and that is not a bill.If it be a bill it will let you know as expected.But be cool,it's just letting you know where on earth you are .But also call to see what you owe but that dispatch you got be just to tolerate you know how much your insurance deductible has remunerated .
The verbiage and the amounts you see are pretty stock. My guess is that you don't owe any of those amounts, but they reflect what you enjoy spent over the course of year. The deductible is the first amount that you will owe. In other words, the first $250 is your responsibility -- insurance will not pay anything up to that amount. Family is the sum of those $250s for respectively member of the familial. In other words, if two people max out their $250, after the third (or fourth or fifth) member of the house would not owe anything. You are correct that if your max Out of Pocket is $3500, you should not owe any more than that.
Do adjectives Medicare sector D plans own a coverage cleft?
Question:
Answer:
No. Some offer coverage through the chink. You usually have to remuneration a higher monthly premium. To find a plan that's right for you, progress to www.medicare.gov and use the plan comparison tool. You can enter your information and it will come back next to information on the plans that are best for you.
I have medicaid and I asked my pharmacist and she said I would own no gap within coverage. I am assuming that medicaid will pick it up.