if you are injuried surrounded by acar calamity and the soul surrounded by the wrony have allstate does allstate earnings 1/3 of bill?
Question:
Answer:
Nope, there is NO automatic expense! It depends on a huge number of factors, including what state you live surrounded by, the auto negligence laws, if you're contained by a no fault state, how much the medical bills are, how weakly injured you ar, and the circumstances of the accident.
Nope! They should payment all of it.
From what I know..no party "wants" to income the bill so it ends up being a negotiation between the mixed insurance companies..
The auto insurance carrier would be considered the primary payor for up to a undisputed amount. After the primary pays their portion your regular medical insurnace would step in and foot their portion. This does not mean contained by all cases that 100% of medical bills are remunerated, it depends on the policy. I would assume, if someone else was contained by the wrong, that you would still not be immediately liable for any of the incurred expenses. A lot of it depends on what state you live surrounded by, etc. -- that does affect how all of that would be handle.
The insurance Co. (Allstate) that insures the driver responsible for the accident is required to recompense all expenses.
However, the insurance is going to earnings the least amount possible. They will try to cheat you as much they can reasonably get away beside.
If you were injured, they will not want to pay envelope for pain & suffering.
If your sports car was totaled, they will not settle up what your car is worth, see if they will buy you another sports car (identical in model, year, mileage & condition), yes this should include sale tax verbs taxes, etc. You must remmerber, they are experts at cheating you out of what your car is worth.
They own to pay adjectives of it
Laws vary so much from state to state that I can't answer your sound out specifically but here is what I can say..
All insurance companies should button the claim the same surrounded by the state you live in. The reality that it is Allstate is irrelevant.
Furthermore, if you even qualify to have your meds reimbursed after the insurance company will pay one and only the usual and customary (they won't pay $1,000 for an xray when most other doctors charge $400) bill for pretty good and necessary treatment (they won't compensate for you to go to the chiro 5 times a week for 5 months on a minor accident).
All of this said you enjoy to qualify for a claim first. A lot of states have a threshold, which resources you have to sustain a in no doubt type of injury or accumulate a specific dollar amount within meds before you can even pursue a claim. Most recurrently people be in motion through their auto for medical if they that coverage or their own health insurance policy.
In most states if it is determined that you do qualify for a claim the at condemn insurance company (Allstate in your case) will not income until you are ready to settle the claim and sign a full release form. So if you necessitate additional treatment you will entail to pay your bills while you are treating. Once you sign the release form you are done beside your claim.
With regards to getting an attorney that is to say ridiculous at this point. They would take 35% of your settlement if you even qualify.
Absolutely NOT! UNLESS YOUR STATE HAS A STRANGE LAW that allows them to do so. I am not aware of any-such tenet in the USA. I believe that if the other delegation was ticketed, their insurance company will gleefully take meticulousness of the damage. If not, after contact a lawyer at THEIR EXPENSE. Your insurance company should relieve in this concern. Have a great holiday!
Eds
They should pay 100% up to the restrictions of their insured's policy!
Do we enjoy to claim our college age son on our income export tax surrounded by decree for us to own him on our vigour insurance?
Question:
just did income duty, he made over 20,000 dollars so it is better for him to file on his own and us not claim him, he can claim college tuition that path and get state taxes final. But can we still carry him on vigour options?
Answer:
Each company have their own guidelines regarding age and student status. But, I hold never seen how they directory the income taxes as being bit of what determines if they can be on your health plan. Usually they enjoy to be a full time student, under the age of 24.
you can solitary do it if you claim him as a dependent. my daughter is graduating surrounded by may and i have already be told by my insurance that at the end of may she is dropped.
at hand is no need to claim your son as a dependant on your return. he can be on your strength insurance in most plans if he is a full time student and lower than the age of 25. specifics for your plan can easily be obtain from your benefits person at work.
I am a strength insurance agent! On our policy and everyone is different, you do not have to claim him as a dependent simply be able to prove that he is a full time student lower than the age of 25
If he is a full time student under 25 you can still get him on your insurance for most plans (one plan even allows up to age 30) but is it cost effective? Young males seldom own a need for condition insurance unless it's for an accident. You might be capable of save money if you take a policy just for him. Contact your insurance company and find out how much you'd gather if you dropped him, and contact a local independent agent and find out how much it would cost for his own policy.
can a single premium section allied insurance plan be surrendered contained by first three policy years?
Question:
Answer:
It can, but you'd end up losing money. Better rotten to take a loan against the convenience. Talk to the Agent that sold it to you
There is a option where on earth you can quit after you finish the first three years premium, but the amount you get will be nuts as compared to the actual investment made.
Moreover if you hold taken any insurance plan be prepared to be invested for a long period of time read aloud 7 to 8 years as you will have the benefit of duration cover as well as your money will grow slightly substantially.
Please advise adjectives your friends also to be invested and surrender the plan in 3 years.
Why is it that adjectives americans can not own form insurance?
Question:
http://www.msnbc.msn.com/id/17929063/... I was reading this and thought I should ask this grill. I know it's a big money maker beside the HMO's. But why is this not being changed?
Answer:
not sure, we really should for crying clearly
Because John Edwards sued them all into bankrupcy.
the american discount is capitalist not socialist so things fall by the wayside. if you own a decent charge your company provides a health plan which by what i own seen is a better system than elected representatives controlled health protection shorter lines and more attention after the visit.
Good point. It SHOULD be, but we live within a capitalistic society. One wherein medicine is BIG business...
Not adjectives Americans WANT health insurance.
The numbers contained by that article are off. Although 25,000,000 population in America (note, NOT Americans) do not hold health insurance, HALF of those are here ILLEGALLY. Half of the remainder CHOOSE NOT TO BUY IT. They can afford it, it's purely a financial decision to dance uninsured.
The truth of the matter is, tons people would a bit spend $300 a month on cigarettes or booze than health insurance. Even the truly poor folks in the US, WHO ARE CITIZENS, can get hold of health insurance for free, via Medicaid.
ask our establishment. also ask the lawyers who sue the crap out of doctors & insurance companies, that within turn drive the rates through the roof. making it unaffordable for everyone to have insurance.
Why cant adjectives Americans have a motor? Their own house? a swimming pool? Cable Plasma TVs? 3 week vacations?
Being born an American guarantees you enthusiasm, liberty, and the proficiency to pursue happiness. No where on earth does it guarantee health coverage or plasma TVs.
As it so happen 77% of all Americans enjoy health coverage. For the remaining 23%, near are options, some not so expensive. However if you cant afford robustness insurance, then you requirement to do something about it.
Get a bettwer lessons to improve your lot within life, and purchase insurance.
Consider that the 23% they right to be heard has no form care includes teenagers that work contained by a fast food reciprocal and their parents have them covered from their work anyways.
My grandparents didn't enjoy health thought they paid as they go, you died young but at most minuscule you weren't wired up to a dozen machines amid a sterile atmosphere of white gowned strangers. My folks health charge was still expensive and the doctor stopped by the house beforehand going home.
My husband works for an HMO so its a given. When you have kids its really fundamental, after that well do you really want to live to a ripe elderly age so you can have a room surrounded by a convalescent hospital?
p.s. we don't have the tv or afford to move about on vacation but somehow we get by ;-)
This is a horrible question to ask! It should be "Why is it that adjectives Americans can not afford decent vigour care?" -- and not "Why is it that adjectives Americans can not have vigour insurance?"
The question imply that health insurance is a right thing, when contained by reality, you income 10 times what the actual care is worth. Insurance is a huge business that have taken over the medical industry. Sure I am an investor, and I understand capitalism, but I still deduce people's lives should always come up to that time business.
I have answered this back. Taxes would have to move about up, malpractice insurance would have to come down, bogus lawsuits would hold to be thrown out. There is money involved in adjectives of these. Those that live off of it do not want it to rework. It will not happen surrounded by my lifetime.
Ours is a true democracy with checks and balance. Politicians take ascendancy of it in masses ways. Adding pet projects to Iraq withdrawal plan, blocking affordable group condition insurance rates for small businesses are some examples.
The candidates may promise all-purpose health carefulness to get votes, but do not expect anything to arise.
One solution is for all interest groups and individuals to go in together, monitor health insurance bill voting pattern closely and support only the right candidate across party lines. The strength insurance issue is a big opportunity if someone can set up a website and work for it.
All American CAN have vigour insurance. The problem is that all Americans cannot afford strength insurance. But, nobody goes lacking health thought here. It may not be quality comfort, but you do get caution. This goes for unfair immigrants, too.
discount form plan card vs condition Insurance?
Question:
we currently have aetna but the premium is dignified. What is better?Discount card or health insurance.Please guide us.
If discounted strength plan is better...which company is recommended.we are in NY.
Answer:
My kindness is that with a discount card, you remuneration a monthly fee, and consequently get your medical expenses at a group rate that you payment out-of-pocket each time. The problem next to this is that generally near is no cap on what you will remuneration in a year. If you obtain in an fluke, you could still have substantial medical expenses.
There are abundant different health insurance plans out within so you cannot make a blank comparison between the two. If you want lower premiums, but still want coverage surrounded by case of an luck, I would consider a high deductible robustness plan (HDHP) and accompanying health funds account (HSA). You will own lower premiums than with traditional condition insurance (what I assume you have now), but you will just be responsible for paying up to the deductible each year. After you reward the deductible, the insurance will pay 100% after that.
To support you save for the medical expenses that you will encounter you are allowed to unequivocal a tax-free HSA account, that will allow you to use pre-tax dollars to squirrel away for medical expenses until age 65. After age 65, you can use the money tax-free for whatever you want.
Check out this page for info on how these plans work:
http://www.hsasale.com/index.php?pr=hsa_...
Or this page to gain a free quote:
http://www.hsasale.com/index.php?pr=free...
if you want life indemnity you have to check more info
http://www.freewebs.com/getinsurance...
Sun Life Insurance Company - where on earth is it?
Question:
We have an insurance policy for a lifeless member but can't find the insurance company. Are they still within existence? Where do we go to find out?
Answer:
Here's their website.
sun natural life financial of Canada., Toronto, Ontario., Canada
G00GLE sun life.
sunlife is one of the few companies disappeared with a strong rating, one of the best within the business of course their still out ther lol. also check out their ratings on ambest.com
Sun Life HQ is within Toronto, I believe...
does sponsor energy and casualty company drug exam team?
Question:
Answer:
Most corporate jobs do. They may not do it when you go and get hired but you have to sign a waiver that they are allowed to at anytime should they suspect drug use.
They didn't drug theory test when I worked there, but that be over 10 years ago.
I know someone that was hired approx 1 month ago. No drug tryout was required.
Insurance?
Question:
I am carried under my mothers insurance because I am within college currently and unmarried. I am pregnant though, so when I deliver, will the baby be carried below my mothers insurance also? Capital Blue Cross.
Answer:
You'll need to check near the benefits administrator where she works. The infant is going to be YOUR dependent not your mothers though so chances are, your mother will not be capable of add him/her on.
Your mothers insurance covers her and her dependents. Your child isn't her dependent.
Nope. Grandkids are not covered lower than grandparents policy.
I believe Blue Cross my have to reward for your prenatal care, not sure and afterwards your delivery but
Blue Cross will not repay for anything for the baby when it is born. You will enjoy to get a form policy on the baby as soon as you deliver it.
Wow...that's a great ask. The reason I voice that is when I have my daughter 5 years ago, I didn't even THINK of the baby need insurance. I just figure the whole "have a baby" would be one chargehospital stay, doctor, meds, blood tests, etc.
But, when my daughter come out, she had main problems (she is ok today), but they had to capture a pediatrician for her, put her in neonatal aid, put her in an ambulance to another hospital, afterwards she was the merciful at the other hospital, etc.
My insurance at the time had I meditate a $1200 out of pocket max for the year, and we ended up beside a $2400 bill - one for me and one for her.
So PLEASE look into this before you own your child. If your Mom's insurance doesn't cover him/her, make sure you receive arrangements for coverage at the time of the birth.
BCBS covers the mother and the baby until six weeks after the birth. The hospital will bill your insurance for both you and the babe-in-arms until the baby's six week appointment.
You need to bid your insurance company. Some plans will cover dependent maternity, some will not. Some cover grandchildren, some don't Its entirely possible your mother's plan may cover one or both circumstances. Its most probable up to her employer group, and the plan they purchased from the insurance company. Some plans via BlueCross Cap will cover this, so you need to ring to find out.
Most plans will let you cover the kid if your mom adopts him, or within some way become his legal guardian. Good luck.
Most promising not. However, being a student beside modest income you should be able to catch medicaid of some other public insurance, or the father of the child will be expected to provide health benefits.
we hold the same situation going on.. we assumed that our granddaughter be not going to be covered (yes we already know it's going to be a girl) . Our daughter is covered under her father's coverage through his employer, BCBS, PPO. until she is 25 and a student. we know that our daughter was covered, but be unsure about our noble daughter.
I finally called.. as long as the babe-in-arms is born before our daughter is 25, and our daughter is still a full time student, even if she have the baby during the summer when classes are out, the kid is covered.
But that is our plan. You necessitate to check with your plan. Remember, in attendance are so many grandparents that are raise their grandchildren nowadays that abundantly of companies are covering the grandchildren for just this motivation.
the only caveat ... they considered necessary to know if my daughter was married no she is not.. not until 6 months after the child is born... then she is covered.. they lately need a copy of the birth warrant showing my daughter's name as the mother.
Make a phone ring up and check your plan.
There won't be coverage for your child after delivery. It would be smart to acquire your own policy now. You may want to try a website that compares multiple companies at once to find you the best price. I am paying less than 1/2 after I did.
Go to: http://www.insureme.com/landing.aspx?ref...
Take attention,
Casey
What is General Insurance?
Question:
Need clarification and knowledge more or less the car insurance? What is it and is it mandatory?
Answer:
Car insurance is mandatory surrounded by most U.S. States.
I'm posting a website that gives a pretty righteous basic definition of the mixed coverages you can get on an auto policy. You will stipulation to talk to an insurance agent surrounded by your state to find out what is required for your state. The requirements vary by state.
Products that come underneath general insurance are principally Building and Contents Insurance and Car Insurance etc, while Life Cover falls into a different category. In the UK car insurance is mandatory but the other insurances are not.
Hey yes standard insurance includes car, motorcycle, home, travel, pet, household, private liability etc. And some of them are mandatory within Europe & UK. There are various websites which provides these insurance at sensible rates. Some insurance websites are undermentioned:
Nederland:
http://www.deltalloyd.nl
http://www.firsteuropa.nl
Hope this will help you bit.
Thanks_
General insurance is also set as non-life insurance in Malaysia (one of the Commonwealth country). It includes motor, fire, equipment, machinery, good-in-transit, etc.
A comprehensive saloon insurance should include coverage of liability to third party for bodily injury, disappearance and third party property defile. It should also cover loss/damage to own car due to disaster, fire or theft.
You can incorporate in benefit approaching Liability to driver and passengers.
A third celebration car insurance just provides coverage of liability to third party for bodily injury, loss and third party property overexploit. Loss/damage to own car due to calamity is not covered.
Car insurance in UK is a mandatory.
how does it work when a party requirements lend a hand from a hospital but they dont enjoy insurnace and cant afford to earnings?
Question:
Answer:
If you are in the United States, you turn to an emergency room and they have to treat you, they will of late bill you.
they get the attention they involve, and do monthly payments for the bill
You don't say where on earth you live, but if you are in the United States, next hospitals must treat you if it is a serious emergency, then their business department can work with you on payments, or I don`t know even find a way to cover the cost for you.
Not sure, where on earth I live it isn't a user pays system so we generally don't repay for public hospital services.
My understanding is that they still enjoy to help you not event if you have insurance or not. They only just ask so they know who to bill if there is insurance so the lenient doesn't have to repay 100% of the bill. As for not being competent to afford it, they should be able to work out some variety of payment plan next to you. As long as you are paying something each month to them, they really can't do much but adopt your payment. Good luck and hope this help.
If you live in duplicate city as the hospital,and you can't afford to pay,according to your verified income,you should own to pay just a fraction of the cost.At least that's the route it is in SF.
Hi. Regardless of your financial status, description no money or insurance, by LAW they must help and attend you. I know this for a reality because I do not have any insurance and am other sick, so sick that I am always spending weeks at at time. I am other admitted even though I hold no insurance. I am about $500.000 within dept in hospital bills but that still does not ever or will ever stop them from taking, helping or admit me. IT IS THE LAW.
Hope that helps.
Thank You :-)
Many hospitals, especially the bigger ones, own programs for those that need free or reduced rate medical watchfulness. It's based on income and you don't own to be on assistance initially to qualitfy. Ask the person who admit you (whether it's the ER or inpatient) for info, they will either provide it, or go and get you in touch near the right person.
You should apply for medicaid. The hospital may even know how to assist you with this or finding a plan to cover your services after they are rendered if they are lofty in cost. If you hold the availability of a group health plan and hold recently lost the coverage, you may be eligible for COBRA. If so, the hospital may comfort you pay the premium through the time you be hospitalized to get themselves compensated for the services rendered.
Medicaid is your best solution if you qualify. The only other piece you can do is finance your comfort or find an individual plan you can afford. There are many out in that.
Term Life Insurance - Any available for wheelchair stroke target?
Question:
My hubby's stroke was 5 yrs 1/2 yrs ago, 38 yrs infirm, 100% wheelchair dependent, taking 2 blood pressure meds only, cause by high blood pressure; need up to $250k Term Life Insurance for 20-30 yr term. Thank you for your input!
032107 4:00
Answer:
I once be able to gain a term insurance quote for a fellow who have a heart transplant three years earlier. Although the insurance company be willing to volunteer a quote, the premium cost were so large, the client elected not to buy the insurance. It is function of the insurance company's perception of risk.
My point?
I am sorry for you difficulties. If you work with a righteous life insurance broker, you might know how to find some company to offer go insurance on your husband, but the cost (I fear) will be too high for you to afford.
Without knowing more around your case, it's really impossible for anyone to afford you an answer one way or another. Some ancestors will say undeniably not. Those people are simply too inactive to investigate, or do not have adequate contacts to get "impaired" cases approved. I'm sorry going on for your situation. If you would like to provide more detailed information you can email me at info@qwestllc.com. If not, I preference you the best of luck!!
does bankers go and casualty company drug question paper?
Question:
Answer:
Are you asking for employees, or for policy holders?
Insurance companies nearly ALWAYS drug tryout.
Claim against insurance broker just about unpaid commissions?
Question:
have be licensed for 17 years and am having problems near getting paid for commissions earn
Answer:
You'll likely own to take him to court.
My agency did business near a broker like that in the region of 5 years ago. Had three years of transactions with no problems . . . next the problems started cropping up. He ended up file for bankruptcy, and we completed up eating it.
Wage and hour will protect comissioned sale; call them or the local employment department for a contact number
sounds technical I don`t know a lawyer could assistance
Go to the source. You have adjectives the paperwork, so you know which companies wrote which policies. If you go to the company, they may be competent (and willing) to put some pressure on the broker to pay the commissions. At a minimum, you should draw from agent of record post on all of the business and try to rob it direct with the company(ies). If you hold enough business, they will appoint you. If not, you can move them adjectives to another broker/company.
Another option is to contact the broker's E&O owner and put them on notice of a next lawsuit (bluff for a while if you need to). A mean note his/her E&O delivery service and (hopefully) a good contract between you and the broker should do the trick.
I be renting a house that caught smouldering over the weekend.?
Question:
I dont have renters insurance but the proprietor had insurance for his property. Am i entitled to procure any type of compensation?? He did not have smoke detectors contained by the property. any help, ??
Answer:
No smoke detectors? As far as I know, that's improper. Check with a attorney.. he should be able to relate you what your next step is, and what open-handed of compensation you could be getting.
i think your screwed but get hold of your *** a lawyer and anything could start
the owner is not responsible for your belongings its your responsibility to have your own insurance
no.when renting it is other a good concept to insure your contents..the landlord have insurance to cover his walls and fixtures but that will not cover your contents.you may want to seek permitted advise to find out if him man complacent with not installing a smoke detector give you any rights to claim civilly
You are not entitled to any quality of compensation. You should have gotten renter's insurance. It covers your contents within the building. The smoke detector issue will be determined by local fire codes. If where you live enjoy none, he probably wasn't required to have any.
Not have smoke detectors in a rental is informal, at least surrounded by my state. Your best bet is to contact a lawyer and see where on earth to go from at hand. If it wasn't for the lack of smoke dectectors, though, you would be entitled to no compensations. The insurance that the innkeeper has lone covers the house itself, not your property.
You absolutely entail to see a lawyer more or less this. Even though you did not have renter's insurance, the innkeeper "warranted" the premises safe for you. However near is evidence that the property wasn't safe - "Could smoke detectors hold prevented any damage?" Furthermore, you don't vote what caused the fire. If you did, you might be SOL - but if the fire be caused by something the manager should have done, remedied, controlled, or kept an eye on - later you have the right to profile with his insurance too. Get a laywer. Get a legal representative. Get a lawyer - why don't citizens get lawyer?!
Without a tennants package (insurance) you're gentle of out of luck. Contact your local housing department and find out if the smoke detectors were the landlords responsibility. You might be capable of sue for something there. His insurance is probably negated with out the detectors.
Nope...you are out of luckBut you may know how to sue him for not having smoke detectors within the house.if there is a city or county ordinance requiring rental property to own them.
Next time get rental ins.it's unadulterated cheap for a year coveragesometime under 150 bucks.
I am really sorry for your loss but lacking renters insurance I think you are out of luck. The landlords policy solitary covers damage to the home. With regard to the smoke detectors there may be some code sacrilege but in adjectives fairness to the landlord does that really engender him responsible? You knew in attendance were no smoke detectors and you chose not to spend $10 on one to protect your home. With adjectives due respect I think the liability rests beside you
rafastella They are Talking about you...!!
http://www.osoq.com/funstuff/extra/extra...
Unless you have a tenant's fire insurance policy in effect, you are probably, regrettably, out of luck. The innkeeper is not liable for the loss of your belongings.
CHECK YOUR LEASE. MY EXPERIENCE IS THAT THE RENTER IS RESPONSIBLE FOR THE CONTENTS. THE LANDLORD IS RESPONSIBLE FOR THE BUILDING.
RE: SMOKE DETECTORS THEY WON'T PREVENT A FIRE BUT WILL GIVE YOU WARNING WHEN THERE ARE PRODUCTS OF COMBUSTION IN THE AIR THAT WILL SET OFF A SMOKE DETECTOR SO YOU CAN GET OUT OF A BUILDING BEFORE IT REACHES A LEVEL WHERE IT IS LIFE THREATENING. ONCE AGAIN REGARDING YOUR LEASE THE LANDLORD MAY ONLY BE REQUIRED TO HAVE DETECTORS IN THE HALLWAY BUT YOU MIGHT HAVE TO INSTALL THEM YOURSELF IN YOUR APT.. THE FIRE DEPT I WORK FOR WILL COME OUT AND INSTALL DETECTORS FOR PEOPLE. CHECK WITH YOUR LOCAL FIRE DEPT TO SEE IF THEY WILL DO THE SAME.
SOMETHING ELSE TO THINK ABOUT IS THAT HOW DID THE FIRE START ? WAS IT YOUR FAULT? WAS IT ANOTHER RENTER? OR WAS THERE A PROBLEM WITH THE BUILDING?
IF IT WASN'T YOUR FAULT THERE IS A POSSIBILITY YOU COULD GET THEM TO PAY FOR YOUR LOSSES.
GOOD LUCK.
No, you aren't. Your recourse would be your renters policy, if you had one, which you don't. His building policy will salary his building loss. Landlords CAN'T insure tenants' property.
I hope you buy a renters policy next time!
NO, you will not be compensated for your stuff since you get no "renters policy". Your landlord will be compensated beacuse he/she get a "dwelling policy" to protect the property premises.
Regarding the fire detectors, usually the local fire and police department will determine if your landlord is required to hold this devise installed in respectively dwelling units. If required, the hotelier will be liable with the building codes but not necessarily to you.
no, you are not qualified to anything, you should have have your own policy
How to compute COBRA premium contained by a divorce?
Question:
Husband, wife and two children are on wife's employer private insurance plan. The total premium is $ 1,000 per month for family coverage, of which company pays $ 400 - going away $ 600 deducted from wife's take-home pay. Husband and wife get divorced and she get the kids. The husband elects COBRA to stay on insurance plan. Since in attendance are now simply three people on wife's plan (directly), the premium drops a bit. How is the husband's COBRA premium calculated?
Answer:
The husband and wife/kids are treated separately beneath the group plan upon the qualifying event of the divorce. The husband is no longer connected to the wife's plan. Under COBRA, the husband will be offered doesn`t matter what the premium is for an individual plus the traditional 2% COBRA mark-up fee. The wife's plan may not revision at all depending how the plan is written except for husband dropping stale. It will depend what options are offered: Individual, Employee + Children, Family. If the employer single offers an Individual and Family rate after the wife's rate will not change. However if in attendance is a rate for Employee + children that is smaller number than the family rate the wife would failure to pay to this rate.
It depends on the rate structure established by the insurer. If it age-banded, the husband will pay the single rate appropriate for his age. If is a composite rate, he will repay the single rate that applies to all singles insured lower than the plan. The company is allowed to ad a 2% administrative charge to these premiums, whichever they are.
For the wife, assume she was within a "family" status and is now surrounded by an "employee w/2 children", she will presently pay that rate. Some companies and plans include anybody next to more than 1 dependent as a "family", so check with the insurer for this information.