Question roughly speaking Med Pay Insurance from injury?
Question:
Long story, short: I fell and broke my nose while I be pumping gas at a local convenience store. The date of my injury was 1-31 and my vigour insurance was to become forceful on 02-01, just hours away from the time that the stroke of luck occurred. My emergency room call round, so far, has totalled approx. $4000. My provider won't cover it because we arrived at the emergency room on 1-31. My interview is: We were told by an insurance agent that the convenience store have Med-Pay insurance just to cover medical payments for injuries that take place on the premises. We don't want to sue or do anything else that goes beyond our medical payments, but would this be covered beneath the gas station's med-pay policy? We don't want anything extra, just comfort with the medical payments. Thank you again for your time.
Answer:
The station have Liability Insurancefile a claim for Med bills and personal injury, at the deposition, ask for med bills only and tidal wave the Personal Injury. Their Insurance Co. should be happy to salary the bargain and be done near it. If not...ask for big money for your injuries and hang tough next to a good Attorney.
If you reported the incident/accident to the gas station at the time of injury, in attendance should have be an incident/occurrence form filled out at that time. The gas station would be liable for your medical bills if you tripped over something, or fell because the ground be uneven or slick, something of that temperament.
If you did not report it, you will probably need a witness to the incident and an attorney to verbs your incurred medical bills.
Contact the manager of the gas station and ask that party if you file your claim beside him or his district manager or the owner. They adjectives have policies that cover these things, because accident do happen, and since you be injured on their property during normal business hours, it should be covered below their insurance.
Keep copies of EVERYTHING you submit, along with date of submission and who you sent it to and who you spoke with. You should be dilligent on following up on this to sort sure it gets rewarded - otherwise you might get stuck next to the bill.
Good luck. Feel better!
Did you report your injury to the gas station such that they have a diary? You need to ring and speak to the manager around how to make a claim. The point you fell may also be payable as a liability claim against them. It doesn't necessarily mean you own to sue them or have an attorney represent you. Basically, put the gas station on thought that you want to file a claim for your injuries. Ask them who their insurer is and how to contact their agent and what their policy number is. Be sure to hold the date and time of your injury and be prepared to give a record statement to their claim rep about how the injury happen. If they have medical payments coverage for injuries on their premises, they'll permit you know. If your injury was cause by some negligence on their part (a condition of the pavement or other situation that cause you to fall through no condemn of your own) they could be liable for your injuries and would owe you for reasonable medical expenses as ably as payment of agony and suffering--which doesn't necessarily mean hasty retirement and a trip to the Mediterranean for you! "Pain and suffering" would pay for such things as lost wages and consideration for the discomfort, inconvenience and horizontal of disability the injury may have cause you.
If the gas station has medical payments insurance coverage (some do, some don't), it will foot your medical bills only, minus regard to reproach.
Suggestions, simply call the gas station, and ask they present a claim to their insurance company. If the insurance company provided medical payments coverage, they are required, within most states, to tell you they enjoy it and offer the coverage to you.
If this is not something that the gas station is at quirk for, they are not required to pay for anything else. To get better for a personal injury claim, you must show fault. However, for medical payments, it's payable lacking regard to faule.
Med Pay is a liability part. It's moderately likely to be $1,000 constraint, IF they have it. Gas stations are "soaring risk" from a gl point of view, so it's not outstandingly "guaranteed" that they have the med pay packet section on their liability policy.
If they DID enjoy med pay, it would salary the med pay control towards your medical bills. But the limit could be anywhere from $500 to $5,000, or as I said formerly, non-existant.
Did you file an incident report near the gas station at the time it happened? You can communicate them you want them to open the claim, and database for medical bills . . . but their insurance company has NO duty to do it directly on YOUR word. Which means . . . you might wrap up up having to sue them within small claims court after all.
Are small business owners required to prodive strength insurance to their organization?
Question:
For example, is there any federal directive making this a national small business requirement.
Answer:
No.
no the only insurance you are required to provide is compensation contained by case of an injury.
Not a requirement.
But if your workers can work for the same discharge at another company that does provide health insurance, later they will leave you.
NO. Business lower than a certain size do not hold to provide insurance to their employees. I know within California whereI live it used to be business with smaller amount than 50 FULL TIME employees did not hold to offer any sortr of insurance...i don't know if that still applies
Used to be if the company have 4 or more employees they have to buy worker's comp and the premiums to the boss were base on the number of claims. Hense the reason why when you plague out a job application that Yes you did folder a Worker's Comp that they will be reluctant to call you rear.
Far as health insurance. No. And they can trim down or cancel what insurance be in force at any time.
The singular state where Mandatory Group insurance is contained by Hawaii. Example in California, groups do not own to offer any robustness insurance benefits to employee's. The reason employer offer is because of:
1. Tax Benefits
2. Employee retention
No. Small businesses, and life-size businesses, have no responsibility to provide any benefits for their employees. Many do it as a perk to keep hold of their employees beaming, but they're not required to.
No, it is completely up to the business owner to offer group benefits BUT you cannot inforce a group vigour plan and you are the only one that take it. If you put a group health plan surrounded by force you must offer it to adjectives eligible employees (working 25+ hours a week). They are competent to waive coverage but they must be offered it.
According to federal law, if the employer have 20 or more employees, it is required to provide group coverage. Otherwise, no provision of insurance is required. State law vary, so I would recommend submitting an inquiry to your state board of insurance.
No, they are not required to provide condition coverage. If you need coverage, we provide coverage for small businesses, as okay as individuals and families. http://everyonebenefits.com/40436527... contact me beside any questions.
What does the permanent status bound coverage be a sign of?
Question:
Relating to insurance.
Answer:
When coverage is bound, it means that the insurer--usually through an authorized agent--has committed the insurance company to provide you beside the coverage you purchased from the time and date shown on the binder. That gives the insurance company time to process the application and issue a policy to you, next to coverage effective from the date/time of the binder, or to terminate the coverage if they find reasons not to cover you. In that suitcase, you would receive notice from the insurer that the coverage is no longer surrounded by effect as of a certain date. If the agent isn't sure you would congregate the company's insurability criteria, he/she wouldn't be able to bind the coverage.
Binding Authority medium the agent has be granted authority to issue the policy immediately. This is so you can enjoy coverage right away without waiting on the business application to travel through the complete underwritting process.
Agree with the first answer, no root to repeat it
It means, "the policy is significant right now" or as of the date/time coverage is "bound".
Many agents have singing binding authority with companies, but other get a written binder to cover your . . . assets.
ineed 1000 to finish paying for my mothers funeral?
Question:
my mother died oct 21 2006 she didnt have but alittle insurance. i took my rent money to put down on her funeral i still 1000 i stopped work surrounded by feb this year to take thoroughness of her i am trying to go wager on to my old situation i am behind on my rent but my proprietor is being lenient with me could some one oblige me.
Answer:
Maybe you could get a darkness job deliver pizzas?
check out www.prosper.com
Find the National Life and Accident insurance company of Nashville, Tennessee?
Question:
Answer:
It was taken over by the American General Corporation contained by the early 1980's. Here's AGC's network site:
http://www.aigag.com/life/life.nsf/conte...
It is now factor of American General Life & Accident of Nashville. They are easy to find.
where on earth do you travel to write a will? do you move about to a attorney or insurance agent similar to you would for vivacity insurance?
Question:
Answer:
Yes, an Attorney is your best and safest bet.
It is not necessary stir to a attorney or insurance agent. They cost a lot money. I did my ''Will'' few days ego surrounded by this website.
It is very jammy and not expansive. I alrady got it yestarday. Sabrina
www.legacywriter.com
You can write it out yourself and sign it and own two people witness it; they don't enjoy to read it, they just articulate you are the person signing it. You can be in motion to an attorney but unless you have a complicated estate, it's not needed.
You can do your own simply by hitting up an office supply store and buying the will paraphernalia.
BUT if you want something that will hold up in court you stir to an attorney and have it file legally.
Question just about medical insurance?
Question:
I had an inpatient laparoscopic nissen fundoplication January 5th, near one day hospital stay. Prior to the declaration to have surgery, I have motility studies done and an endoscopic exam. The motility study showed that I had low pressure, the endoscopic exam showed that I have esphagitis. Anyway, the doctor that did the motility study and the surgeon decided that I should acquire a lap nissen fundop. After I met near the surgeon he set up the time. Well, anyway, I got this communication from my insurance company stating that the hospital never obtained prior authorization previously the surgery per their contract, and that I may not be responsible for the bill. They denied the insurance claim and said that the hospital can appeal. However, they wouldn't have salaried it anyway, because the surgery could have be performed as an outpatient surgery. (They did however repay for the surgery itself, they just refuse to pay the hospital stay) Do I owe the $16,000 + hospital bill?
Answer:
No. You said it yourself, you are not responsible. The hospital is required to find their own authorization. Don't sweat it unless you get a bill from the hospital. the insurance will probably repay for the hospital service, up to the overall outpatient rate, after the hospital explains why they did what they did... Bottom line, you don't owe it.
Okay, it sounds approaching you were beneath the care of an HMO. You call for to call your insurance company and find out as much info from them as possible just about what proper procedure should have be and definately contact a lawyer.
If the doctor did not follow his directions under a closed panel HMO I dont belive you should be responsible but it may silently be attached to your credit so be careful.
Unless you can find a loophole, you are probably responsible for the bill. The insurance company might automatically reject reliable claims to keep their profits up, so it might be you hold to appeal. If you have financial harsh conditions, you can write letters to the hospital, surgeons, radiologists, etc. and ask if they can donate any assistance (lower their portion of the bill, set up a payment plan, etc.).
I consistency your pain. The second surgery I had moved out me with in the region of $50,000 in unpaid medical bills from adjectives the tests, specialists, medication prior to the surgery and then the surgery and hospital stay.
Sometimes I wonder if it is better not to hold insurance since there is more aid available to those in need insurance when it comes to large hospital bills.
contact your state's department of insurance for proposal or, an attorney who specializes in consumer statute. the fact that your insurance company's preferred procedure for pre-authorization wasn't followed does not automatically release them from responsibility for the bill. this can be a nightmare if you don't bear immediate conduct so, follow up and make as much uproar as possible until that bill is settled.
you may also contact your human services department to see if you can qualify for social services for that month. i had a friend who have inadequate insurance and the state picked up her bill after a long hospital stay.
If you did what you be supposed to - meaning, getting any crucial referrals and provided your insurance information up to that time the surgery, and the hospital dropped the ball by not doing their portion of obtain the authorization, you're not on the hook for the bill. They screwed up, they need to get through it. It is also their responsibilty to appeal it. It's not a secret that insurances call for authorization for certain things, and if a provider is unsure, it's their responsibilty to check beforehand.
However, what you can do is appointment your insurance company and ask them for the specific reason for the denial and if there's anything you inevitability to do as far as appealing. (Make sure you get the pet name - first and last inital - of the party you spoke to.) If they say you can convey a letter - do it. Just to cover your backside. If they detail you it's up to the provider (hospital) to appeal - call the hospital and speak to the billing department and communicate them you received this letter and you tried to appeal it yourself and the insurance told you the appeal have to come from the hospital. (Again, make sure you take the name of the personality you speak to.)
Does a personality who draws workers comp within tx hold to repay it if he get disability?
Question:
Answer:
No. Workmen compensation claim paid amount wont bring affected if the entity gets disability. Only when the human being is found not eligible for getting compensation, then individual he has to repay. If the soul is not repaying, then the insurance company will sue against him
no... speak to your Dr.. not an attorney...he hooked u up
No, but the workers comp amount for lost wages get adjusted if he go out on disability.
Collect money from go insurance?
Question:
Anyone know how long it take to process the weekly work before we can carry the money from life insurance if someone die?The Funeral Service hold to pay earlier they do it.
Answer:
When my grandma died, it took almost 2 weeks before my dad could collect the money from her insurance policy. Just be paid sure that the beneficiary is the one going to collect (with proper ID) otherwise they won't let you hold it.
as long as there is no investigation or question, it should be 2-3 weeks.
It shouldn't take long. As others be saying, as long as the two year contestibility spell is up and there aren't any question on the part of the go insurance company they should cut you a check rather like greased lightning. The best thing to do is phone the life insurance company and ask.
You can get hold of an advance in a week, for a partial amount. If it's cut and dried, usually within 30 days.
as the beneficiary of a life span insurance policy am i obligated to remuneration the departed debts near this money?
Question:
Answer:
Generally no, unless you are married to this person. Therefore, you will owe adjectives debts if you are the spouse. If not married to this person, next you owe nothing.
You're probably obligated to pay cheque the debts. Whether or not it's with that money doesn't issue.
Nope. Not one red cent unless the deceased stated within his will that the beneficiary of his life insurance policy be to pay rotten his outstanding debt.
Beneficiaries of life insurance enjoy no obligation to salary debts with the money. However, if you are the executor of the estate, it may require that you use some of the money to settle the estate, but one and only if you choose to do so.
No. Only if the estate is the beneficiary, do bills need to be remunerated from the procedes.
No, but it might be in your best interest to do so to avoid ruining your credit rating. This happen to my mother in imperative. Depends on what kind of state you are surrounded by - community property, etc. Check with any a credit counselor or CPA or attorney that specialize in these matter. Don't put it off. Your own financial standing could be surrounded by jeopardy.
If you and you alone are the beneficiary. You have no allowed obligation to pay cheque any debts with that insurance payout. If it is a true energy insurance policy the term used will be "disappearance benefit". Your moral obligations are a total different issue. Consult an Attorney and decide beside your conscience. It will all depend on the details.
Absolutely not. Since duration insurance death benefits to a name beneficiary other than the estate leave behind outside the will, you have no requisite whatsover to pay any of the departed debts, although some of the companies who are owed money may try to persuade you that "morally" you are obligated to reward...and to that ridiculous argument, you should simply say horsepucky (unless you truly want to salary the debt for personal reasons).
Technically, no you are not. The beneficiary is free to do with the funds are you need, but it may behoove you to help salary some of the debts.
If workers comp does'nt foot for distress and suffering afterwards who does?
Question:
Answer:
If it's work related and covered by comp . . . NO ONE!! That's the trade-off - employers are sour the hook, employees obtain absolute coverage.
Sometimes, life span just happen. Pain and suffering happens. You don't acquire to be compensated with dollars for everything that happen to you, that's just the course life is.
Compensation for "headache and suffering" is considered a form of "punitive" (punishing) damages. This type of damage is awarded as a result of a civil suit, presuming you can prove strain and suffering.
First, a little history so you will appreciate why.
Worker's compensation insurance pays your medical bills, loss of income, and any permanent disability to you when you are injured on a living. In return for that, you give up some adjectives law rights. Since the employer (through the work comp) is providing for the above, you confer up the right to sue your employer for pain and suffering.
Now, if someone else is at mistake, depending on the state you live in, you can possible present a liability claim against them for pain & suffering. Actually, the worker's compensation holder ofttimes presents this claim, too, as they want to recover their money pay for if they can.
In some states, there are limitations as to who you can present a claim against for torment & suffering. EX, in the state I live within, you cannot present a claim against a "fellow employee"and the definition of a fellow employee is pretty broad.
However, let's say aloud you are a truck driver and you are hurt on the job by getting rearened by a dump truck. Your employer's workers comp would payment for your medical bills, loss of income, etc, and you could present a claim against the dump truck for pain & suffering.
By the course, punitive damages are not pain and suffering, but are intended to punish someone for outrageous behavior. They are not insurable.
"Pain and suffering" is NOT punitive damages. They are completely different. Pain and suffering, contained by technical language, is referred to as "general damages"; those hard-to-measure damages such as inconvenience, discomfort, effect on quaility of time, etc. Generally, workers' compensation is statutorily mandated by respectively state and usually as a threshhold or limit as economically as formulas that are followed by each state's industrial commission. It can include some form of "aching and suffering", dependent on the nature of the injury. In civil cases, standard damages also includes lost wages. In workers' compensation, there is a separate category for wage loss (TTD). If you're unsure about your rights or grain as though you aren't being treated more or less by your WC carrier, you may want to consult an attorney. Be prepared to provide your attorney as much as 1/3 of whatever you seize from your claim, however.
Before workers compensation the amount collected by a worker was typically small and would largely require a legal raid. Workers Compensation pays much more than the prior system and on the other hand pays a fixed amount for specific injuries. Is near some "pain and suffering" contained by those payments, maybe.
A moral comparison is the system in the UK where on earth they don't have workers compensation. Payment at adjectives is less frequent and the amounts are totally small compared to what is paid within the US (even adjusting for wage differences). Workers Compensation be not designed to be a "great deal" for the injured worker but to make them intact for lost wages, earning potential and specific injuries lacking the risk of a court case.
If your expenses and med bills are covered by the worker's comp, why do you want to be compensated for "pain and suffering"? If negligence be involved in the injury, obviously you can sue, but your employer doesn't have to be punished because you fell bad a ladder at work...
workmans comp settlements from a torn bi-cept?
Question:
Answer:
It's not clear what you're asking, but you can have a workers compensation claim recognizable for torn bicep if you establish the condition exists and it is related to your work activity. Whether you settle your claim, and for what amount, depends on what benefits you may be entitled to receive contained by the state where you live. In nonspecific, you should consider the cost of past and adjectives medical care, lost wages, and any beyond repair partial impairment awards available. You may also be entitled to vocational rehabilitation if you are physically unable to return to the type of work you be doing at the time of your injury. Good luck and best wishes for a full recovery.
If you enjoy a medical certificate and can prove it happen at work, then you can claim. If the injury merely lasts a couple days it is not worth adjectives the trouble. You can claim via your doctor.
don 't settle until you are COMPLETELY positive there will be no relapses.
once you settle, you are stuck for adjectives future problems.
OK, you tore a bicep... what is it around workers comp that you need to know? I've be through it and can probably answer most of your question, but you involve to elaborate more.
Is it a permanant injury? If not, you'll achieve lost wages & medical costs.
As an employer almost how much would I spend a month for condition insurance on a single member of staff?
Question:
How about workers comp insurance for 1 hand? If you just hand over a rough estimate or a good source to find this info. would be appreciated.
Answer:
Workman's comp insurance vary state to state and by the type of business, so you need to contact an agent locally for that quote.
Health insurance - if you're paying for the together boat - figure a premium of $350-$400 for one member of staff for decent coverage. Again, it'll come and go slightly by your area and the type of coverage.
Your best bet to acquire the best deal is to work near a local agent and try to get both policies from that one agent - they'll be more committed to getting you the best deal out there.
YOU SHOULD PAY ATLEAST 50% IF A GREAT EMPLOYEE I PAY FOR ALL THE INSURANCE TO SHOW HOW MUCH THEY MEAN
Comp is totally different from condition insurance. Most health insurance plans depend on where on earth you live, what carrier you choose and how masses employees you own. For example, my company has 40 body, we're in NJ, average cost for the company is $1200.00 per month per member of staff
Look at your competitors and what they are offering. If they don't offer anything at adjectives, whatever you tender will be that "edge" over your competitors. If they already offer something, you want to consider your budget, and make yourself give the impression of being more competitive somehow.
see rates on that site
Daughter is pregnant her husband started a trial opening insurance wont give somebody a lift preexisting where on earth do we step?
Question:
We want to stay with her current OBGYN but it have been a while since our daughter have insurance, almost a year.
Answer:
If she didn't have insurance when she become pregnant then regrettably she will not be able to bring insurance for the pregnancy. Some insurance companies will give her insurance but it will exclude adjectives medical expenses that have to do next to the pregnancy. You may want to talk to her doctor going on for her options to salvage money through this pregnancy.
Sorry.
You gooo.. to Canadaa!
First she should talk to her doctor and to the hospital. They enjoy funds for such things. You might also want to check out the links below. There is a lot of assistance out nearby. Good luck and congratulations!
There are a number of websites that submission help beside this. Just G00GLE "Pregancy no insurance" and you will find them. Here's one:
http://www.reproductiveaccesssolutions.c...
Also, your local Planned Parenthood can often relief with this sort of entity.
Good luck with adjectives of this. I hope it will be a healthy, blissful baby! I know it will own loving grandparents.
try the state insurance commissioners office
IF she hasn't be diagnosed as pregnant from a doctor yet, afterwards it's not pre-existing.
Otherwise, looks like you're out of pocket for it. You might see if WIC or your state CHIP program can assist you - they will most of the time, because the prenatal care is for the infant too, ya know?
If the place her husband works has smaller number than 50 employees, pregnancy cannot be considered a pre existing conditions per HIPAA Federal Law. It does not concern if she is already pregnant or not, it has to be covered by the strength insurance company. If they give you grief nearly this, contact the state insurance commissioner's office and record a complaint against the insurance company.
UrAsia Energy Ltc., What does"Ltc." be a sign of?
Question:
Answer:
According to the Company's web site (http://www.urasiaenergy.com/s/home.asp),... its pet name is UrAsia Energy Ltd.
"Ltd." is an abbreviation for a private company specifically "limited by shares," and incorporated lower than English, Irish or other Commonwealth laws.