If a check does not enjoy an expiration date on it does it expire?
Question:
i know some checks say expire after 90 days..
Answer:
They are call stale-dated. A bank does not hold to honor a check over 180 days (six months) old. This is to cut down on fraud and to promote uniformity amongst commercial and business transactions.
http://www.maricopa.edu/business/treasur...
http://www.bankersonline.com/operations/...
http://www.bankersonline.com/operations/...
http://www.crfonline.org/orc/cro/cro-9-1...
Yes. Even if there's no "expiration date" on the check, ALL checks are considered "stale dated" if they are six months hoary.
Are adjectives employer required to provide strength insurance for full-time workers?
Question:
Answer:
No they are not. However, there are initiatives contained by several states that would compel employers to provide coverage or frontage fines/penalties, like Mass. Several others are within the process of writing similar laws, close to Calif.
Check with your State's Department of Labor or Department of Insurance
Im not aware of any state that forces employer to provide insurance for employees.
depends on how various workers
No. In fact, deeply don't.
I don't believe they are.
No, sir.
No, they're not required to offer it.
No, it's purely voluntary.
No, but they should if they want to preserve good member of staff.
Temporary Health Insurance?
Question:
I am looking for some temporary robustness insurance to cover accidents and the approaching until I am covered by medicare in one year or two years depending on a SS conclusion. I am 63 and live in Oklahoma. I received one quote from Golden Rule or United Health and wonder if the are a perfect firm? Please advise if you enjoy experience with them or another such program.
Answer:
Golden Rule is owned by United Health. It is one of the main issuers of policies to individuals. Also consider Blue Cross, Time Insurance, Mutual of Omaha, if you want other options.
It will be a bit more offensive for your because of your age, certainly more expensive than for a younger entity. I have not hear of Golden Rule, but UnitedHealthCare is a very reputable and hulking medical insurance company. Make sure you are dealing with UnitedHealthCare and not someone next to a similar name. I know Blue Cross/Blue Shield also offer individual medical coverage like you are looking for. Good luck.
know Blue Cross/Blue Shield also offer individual medical coverage like you are looking for
your best bet is ameriplan...
its better than insurance
its so affordable
59.95 per month for your entire household!! OR 49.95 FOR ONE PERSON
and everyone is aproved!!
dont belive me see for yourself.. adjectives you have to do is sighn up. honest i did and it be the best thing i own evr done i no longer worry more or less wether or not my insurance will cover the cost of work that i am entiled to... i just flash my ameriplan card and everything is taken support of go see for yourself
Many online companies own very cheap makeshift health insurance. You may want to try a website that compares multiple companies at once to achieve you the best price. I am paying less than 1/2 after I did.
Go to: http://www.insureme.com/landing.aspx?ref...
Take assistance,
Casey
http://www.combined.com/2000_combined.ht... they pay you to be within the hospital and they are nation wide. I work for them, and you with the sole purpose pay $8 a month or $16 depends on if you grasp the half section or the full. Very good, check out the net site its called combined.
You might want to try and bookmark this site for research information on form insurance. news, articles and more. It may hold the resources to help you next to your question.
http://www.healthinsurance-guide.net/...
Try www.celticinsurance.com. I own been hunting for Health insurance also and hold found out Celtic has so far be the cheapest with the best benefits. Good Luck.
browse here. http://www.tkqlhce.com/click-1748196-103...
I am an independent insurance agent within Oklahoma. Golden Rule (owned by United Health) is a good company, but they are more expensive than some other carrier. If you know your coverage will start in a year, you can catch a temp med policy that will cover you until then for a great deal less than a undying policy. I wish I know where you are located - I could refer you to a obedient independent agent in your nouns to help you as I be a sales manger for a condition company and worked with in the order of 300 agents in Oklahoma alone. Contact several independent agents contained by your area and find several quotes, that is my counsel.
PS DO NOT do the Ameriplan thing - it is with the sole purpose discounts to medical costs and is not insurance. That person is not looking to comfort their clients, they just want to SELL something and fashion a buck.
After retirement, how outdated does a personage hold to be to catch MediCare coverage?
Question:
Answer:
The first day of the month you turn 65 you are eligible as long as you or your spouse have paid into the Medicare system while working. If you are disabled you're eligible two years after your disability started. You do not obligation to be retired to be on Medicare.
65 years old.
62
IN Canada every one have it...
Age requirement is 65.
u dont have to be aged at all u simply need low income
Normally it will start the first of the month you turn 65.
65
Unless you are disabled or hold end stage renal disease.
How do I find Surety Life Ins. Infor on an existing policy?
Question:
I am trying to get some current information on bread value, etc. from a energy insurance policy I have next to Surety Life.
Answer:
You'll have to beckon them with the policy number and ask.
Surety Life Insurance Company
(a bough of Allstate Financial)
A.M.Best #: 07109 NAIC #: 69310 FEIN #: 870198108
Address: 2940 South 84th Street
Lincoln, NE 68506-4142
Phone: 8OO-525-9287
Fax: 402-479-7393
Web: www.Allstate.com
assuming you have tried the evident, looking through the policy and/or statements for a phone# or address, i'd call or call on the website of your states department of insurance. you'll find a list of adjectives companies permitted to do business in your state. from that schedule you should be able to attain an address and phone# of the company you seek.
Can you enjoy more than one permanent status time insurance policy??
Question:
Answer:
You can have as frequent as you want, BUT its a lot cheaper to purely have one big policy.
Yes you can. By buying from several insurance companies. My friends at work do that. and I reckon they are overinsured.
Yes you can. Though if you have a great deal of policies some insurance companies may start asking why during the underwritting process.
I think it may be possible to in reality be denied a policy if you have some plane of coverage grossly disproportionate to your estimated worth.
Yes.
Yes, you can have as tons as you want. You may want to try a website that compares multiple companies at once to get you the best price. I am paying smaller amount than 1/2 after I did. The policies start at around $2 per month.
Go to: http://www.insureme.com/landing.aspx?ref...
Take care,
Casey
Yes, you can own more than one life insurance policy.
However, most time insurance companies ask you on their application if you have other policies and how much coverage you already hold in place.
The energy insurance companies don't want you to have more vivacity insurance coverage than you are insurable for (based on your income and net worth) because this may organize to a situation where you literally are worth more late than alive.
In that case, after two years ( one year surrounded by a few states) you could actually annihilate yourself and your beneficiaries would receive the life insurance benefits. Every policy comes next to a suicide clause. After the suicide clause ends, the life insurance company must payout the policy benefits even if you commit suicide.
This may be the basis they limit how much go insurance they offer you, so you don't attain the wrong ideas.
I hope that help! You always want to answer the existence insurance application questions truthfully.
Best of luck to you!
How Do I Get Insurance for a Married Teen Couple?
Question:
Hello,
How do I get vigour and life insurance for a married teen couple?
Answer:
Look contained by your local yellow page under Insurance and find an advert for an Independent Agent who sells Health and Life surrounded by addition to personal lines (Home and Auto). They will be capable of help them. Since they are young at heart and most likely robust, good rates for comprehensive vigour and term time insurance (I recommend 30 yr term) should be available. Be sure and tell them to avoid pregnancy untill after robustness coverage with motherliness benefits is in place, otherwise would be a pre-existing condition.
Contact an Insurance Company.
Look up a local energy insurance agent and a health insurance agent. Some agents will vend both, but most times agents will specialize in one or the other.
You can't. The married, teen couple would own to go to a local, independent agent, to go and get some quotes. The life insurance for teens is super cheap. The condition will probably run them $200 per month, each.
You may want to try a website that compares multiple companies at once to return with you the best price. I am paying less than 1/2 after I did.
Health insurance: http://www.insureme.com/landing.aspx?ref...
Life insurance: http://www.insureme.com/landing.aspx?ref...
Take charge,
Casey
your best bet is ameriplan...
its better than insurance
its so affordable
59.95 per month for your entire household!! OR 49.95 FOR ONE PERSON
and everyone is aproved!!
dont belive me see for yourself.. all you own to do is sighn up. honest i did and it was the best entry i have evr done i no longer verbs about wether or not my insurance will cover the cost of work that i am entiled to... i a short time ago flash my ameriplan card and everything is taken care of shift see for yourself
the bestpart is that there is no age time limit or restictions for persons recieving the coverage
Simple. Just hold them apply for coverage. It doesn't matter how youthful you are to obtain life span insurance. My advice is to shop around for individually underwritten policies as they will be the most minuscule expensive. However, the teenagers will have to bear a physical exam - so you'll need their consent.
You might want to try and bookmark this site for research information on vigour insurance. news, articles and more. It may hold the resources to help you beside your question nearly insurance for the couple.
http://www.healthinsurance-guide.net/...
I want a suitable insurance that will cover a dentist, a gynecologist and a psychiatrist.?
Question:
Which company has unlimited coverage for visit at those doctors' offices?
Answer:
Psychiatric consideration is almost always restricted. Dental care is usually constrained and also usually a separate policy from medical care. Not to mention, if you're already surrounded by need of a psychiatrist, you hold a pre-existing condition that's not going to be covered anyway.
You could join the military. They enjoy unlimited dental and medical although they usually discharge you if you're that in want of a psychiatrist.
There are VERY few insurance policies that would meet those requirements (since most inhibit coverage for dental care and psychiatric treatment, specifically.)
You'd probably own more luck if you'd list a location (as insurance companies and plans do ebb and flow by locale.)
Try getting quotes from the below broker
Good luck on that. NONE of them have unlimited mental robustness benefits. Dental is a seperate policy, and usually ends up costing more than paying out of pocket, and how many times do you obligation to see the gyne, anyway?
You'll have to contact a local, independent agent, to catch quotes.
MOVE TO CANADA - the Health Plan Insurance is FREE.
For the gynecologist & psychiatrist you may want to try a website that compares multiple companies at once to get you the best price. I am paying smaller number than 1/2 after I did.
Go to: http://www.insureme.com/landing.aspx?ref...
Take care,
Casey
We are losing my husband insurance at work what should I do?
Question:
We are losing our current insurance at my husband work.It is still avaible but,it is going up in price to almost 600.00 a mounth>he one and only make a short time abve 12 an hour there no channel we can afford it
Answer:
More than likely you'd be capable of continue his coverage through COBRA (which would be the full cost + 2%) lamentably it's a little more than the full cost of the insurance, a portion of which your employer may own been previously paying.
If the latest price of the same insurance is too high-ranking (which it appears to be from your question), your best bet is going to be to start shopping around for replacement insurance NOW, as opposed to AFTER losing the insurance.
You may inevitability to consider a higher deductible (or a so-called Catastrophic Coverage Plan) which unmistakably would be there for emergency and such, but probably not the routine doctors office visit etc.
Good Luck.
the state that I live in have a state plan, if you qualify. (NY)
Your job may enjoy a plan, if you don't work you may need to.
If you own a job that have insuracne, consider taking their plan and have him run you off his to drop off the cost. Or if you don't work get a employment that pays insurance so you would be covered.
u have husband insurance @ ur work? where on earth the heck do u work??
Unless you have significant pre-existing conditions, you can probably do a LOT better buying an individual/family policy.
If you timetabled where you're located, someone might be capable of suggest some good local companies/agents.
Sounds close to its time to go employment hunting. Get three good friends to review his resume and be paid suggestions. Then submit it to several job dig out sites that allow you to post for free. Here are a few. http://www.ridleypa.com/jobs.html...
He's going to need to find another mission. It's just not worth it to work for $12 an hour and reward that much insurance. Either that, or you'll have to find a mission to get the ancestral insurance. Or he'll have to bring back a SECOND job, to settle up for the insurance.
You may want to try a website that compares multiple companies at once to get you the best price. I am paying smaller number than 1/2 after I did.
Go to: http://www.insureme.com/landing.aspx?ref...
Take care,
Casey
your best bet is ameriplan...
its better than insurance
its so affordable
59.95 per month for your entire household!! OR 49.95 FOR ONE PERSON
and everyone is aproved!!
dont belive me see for yourself.. adjectives you have to do is sighn up. honest i did and it be the best thing i own evr done i no longer worry roughly speaking wether or not my insurance will cover the cost of work that i am entiled to... i just flash my ameriplan card and everything is taken effort of go see for yourself
What is an Average Home insurance rate of a 2 story house?
Question:
4.5 baths
5 beds
3000 sq foot
finished basement
3 deck
1 fenced in gorund pool
Please, only just and average for 1 month home insurace.
No super valuables or anything. (It's for a project) I just can't find anything that won't in recent times give me a chart or some piece. In class we had to kind up an imaginary house and bring back all this different stuff for it. I've found everything,but home insurance rate in need having to put contained by my personal info.
Answer:
It doesn't work that way. Rates are HEAVILY base on your credit score, and the cost to reform the home. You also need to know how mature the house is. You can't buy homeowners insurance for one month at a time. If you're doing a budget for a school project, digit $2500 a year for insurance, but that's a WAG (wild a** guess). Figure property taxes at 3 - 4 times that, for your school project.
This is outstandingly dependent on the area...for example, hurricane- or flood-prone areas enjoy very dignified premiums, and some insurance cos. won't even take you. If your invented home is not at risk for those types of things, i would estimate on average about $1,000 per year, but that's largely a guess.
capably,the fact theat the pool is fenced does form it a little cheaper but,you will return with a little bit of abite for have one.3000 is a mid sized house so that might pump it up a little bit.You said elemental so
if it has a garage that may effect it try move about to state farms pattern site.
Just go to www.Allstate.com and use the attain a quote function.
The insurance on the home is going to be based upon:
-Replacement cost to build it
-Claim history
-Applicable discounts (burglar alarm, smoke detectors, etc)
-Insurance and Financial Stability evaluation (not usually done in online quotes)
-Where the home is located (is it on the sand in a hurricane prone nouns? or middle of Kansas?)
-Protection Class (based on proximity and quality of the neareby fire depts.)
Homeowners Policies collectively are written for a period of one year and renewed at that interval. However you can retribution most likely on a monthly justification.
Rating a homeowners policy ( or dwelling policy) generates abundant different questions previously a rate can be generated.
This home is 2-story - 5 bedrooms- 4.5 baths near a pool and finished basement. The criteria used would be as follows..
Where is the home located? If it is situated surrounded by city limits..let say a city the size of Minneapolis later the fire rate would be less than a house a rural nouns 20 miles from the nearest fire dept. Home rates are based on kingdom of nearest responding fire department.
Another question is how mature the home is. Todays costs of construction is greater to build a home than 10-15 years ago. We need the age.
Also is it a brick home? or frame. Rates have need of the construction class. Obviously the rate would be cheaper if it was brick vs. frame (stick build construction(.
Insurance rates are debit or credited on what surround or what is in the home. In this travel case you have a pool. The rate would be surcharged. also, if you enjoy a certain humane of dog ( shephard, dobberman etc) for the liability coverage.
The occupants credit rating very soon days is another factor insurance companies look at to determine qualification and rating. If the homeowner has a credit mark of 800 then the rate would be better than a homeowners near a score of 550.
This is do to the pay-out and financial stability perspective.
These are a few of the main question to determine rates for homes. I can not properly give a home rate ( estimate) near out at least these answers.
you can check online
oh my integrity... what a fuss.. we got call like this adjectives the time from the local HS.. Call your parents ins agent tell them what is going on.. ask for a favor.. it will purloin them minutes to plug in the numbers.. they will supply you an annual price.
divide by 12.
good luck! drop past its sell-by date a box of donuts
I am licensed surrounded by the state of Florida as an adjuster..Whats my subsequent step toward employment?
Question:
It seems that I requirement experience before I am hired, Where am I supposed to win the experience?
Answer:
I would think surrounded by a state like Florida, in attendance has get to be a lot of constraint in the pen. Have you contacted all the primary players? Progressive, State Farm, Allstate, Farmers and Citizens.
I recently received my 2-20 license. During the cram session someone asked just about the adjuster's license, and the instructor said that in writ to begin adjust, you need to work as an apprentice to an adjuster for one year until that time you can work on your own.
If you still have your adjuster's guide, there should be more details near, or you can contact the Florida Dept. of Financial Service: http://www.fldfs.com/
Good luck.
Put your resume on some job posting sights. Sure, experience will other trump no experience, but you got to start somewhere.
you requirement to go to a small, independent, adjust firm, and ask them to take you on. It will feasible be straight commission for a few years, until you get some experience lower than your belt.
Check all the through insurance companies websites a lot of them will filch you in and train you especially if you hold a degree and next to a license you have a step up, not adjectives companies require experience. Good Luck.I have a 2-20 General Lines License for Florida and I work as a Claims Adjuster. With the 2-20 I am competent to work as an adjuster or an Agent. There are some intern positions available with companies for relations like you and they are salaried positions not commissions.
What happen to a check after it's cashed?
Question:
Answer:
For the U.S., Howsuffworks gives a honest decription of the process:
http://money.howstuffworks.com/question5...
However, it was written previously the Check 21 law be enacted surrounded by 2004. Under the new tenet any bank involved contained by the process can create a digital substitute check and either verbs the original or hold it on file. To revise more about how this works see:
http://en.wikipedia.org/wiki/check_21...
constraint for giving?
Question:
What constitutes ins fraud? I had surgery six months ago, thinking my ins would cover it - wrong. I call the ins co before I have the surgery asking how much I would be responsible for. They told me to pay $500 up front and everything else would be covered. The ins co is United American Hartland. The surgery be done on outpatient basis which I guess is where on earth they got me because it say hospital ins only. I am in a minute being hounded by not merely the hospital, but collection agencies for a total of $8,000. I do not work, can't afford ins anymore, am 60 years old. They are demanding $200 plus a month. I sent surrounded by $50.00. I live in Florida. All I enjoy is my savings that I am using to live on.
Answer:
1) Generally, states set down "insurance fraud" as any theft by or from an entity explicitly regulated by the insurance commissioner (i.e. insurance companies, HMOs & agents). This is not a theft, so it's not considered insurance fraud.
2) I suggest you directory a complaint with the Florida Office of Insurance Regulation: http://www.floir.com/ An investigator will look into this and determine whether any FL insurance law have be violated; if so, the commissioner has the power to charge the insurer to pay. Some states, such as mine, require insurers to pay envelope under the circumstances you've described, so this process is worth it. It's also free.
Your best bet is to contact the Florida Department of Insurance and see what recourse you own. It is possible that you are on the hook for this, but it's worth checking. You can reach them at: http://www.fldfs.com/
Their consumer helpline is 8OO-342-2762
You really own a big problem.Have you read it in your policy that it singular covers in the hospital?Is the wording clear to you?If it is not,I would report the insurance company to the state board,as economically as the agent who sold you the policy.Then,try to find a lawyer for someone low income to serve you.There should be a florida state bar website that can refer you to a attorney.Good luck.Remember,they can not get hose from a rock.They can not do anything to you so do not worry.Its not worth suing you over.
Holiday Insurance for over 65s - to the USA?
Question:
Does anyone here know of a REASONABLE but GOOD insurance for one 65 and another 85 year old to lug out for a fortnights holiday in USA via nouns. Both in temperate health.
Other after the USUAL tablets to conrol Cholesterol and BP, which most folks of this age are on it seems, more of a preventative device.
Answer:
saga - they insured my dad and he's 70 and just recovering from chemo
If you used a travel agent, they can ususally direct you to a company. Travel coverage is widely available.
Health and sanctuary procedures within the sports industry?
Question:
Answer:
How about mandatory drug carrying out tests before every winter sport?
What about them, you must be more specific.
Agreed, more information needed since I can help you!!
Yep, you should hold 'em!