How do I receive my product to be deductible by Insurance Companies?
Question:
I’ve got a great alien product that will save the insurance companies like mad of money each year. How do I run about getting the insurance companies to enjoy discount on consumers insurance policy if they buy this product?
Answer:
Insurance companies don't give discounts that aren't actuarily nouns. The insurance departments of each state require acquittal (numerically) for their rates.
You're going to need to receive together a focus group, a rather LARGE focus group, so you can show the insurance companies exactly how much money surrounded by claims this is going to save them, contained by any given year, in any given locality.
You're probably better past its sell-by date selling directly to the homeowner - you'll have more luck.
I work at an outpatient surgery center and just now we had a product resembling yours come into use. The rep was a unbelievably knowledgable RN and was competent to produce studies and clinical trials that convinced some of our Dr's to use her product. The was they worked it be the pt would fill out a consent form and be guaranteed that they would own no out of pocket costs for the device. The insurance would be billed a set amount and regular deductibles could apply for the pt. The company had a third delegation billing company that then would scuffle it out with the insurance company proving medical necessity near the help of the Dr's and eventually would adopt whatever the insurance company would allow for their product. By word of mouth the company have spread and I believe is doing qiute well very soon. Good luck with your product. Money is the singular language the insurance companies infer, so think going on for how you present studies to them.
Business Liability Insurance Question?
Question:
I am opening a baseball training facility contained by SC. There will be children in the facility. I will hold 2 full time employees and I will probably formulate less than 75k per year. How much can I expect to salary per year in liability insurance?
Answer:
This will be rate based on the gross receipts and number of children, broken down by ages - not on your income or number of employees.
As a clean venture, I'd expect minimum premium to START at $5,000. And it WON'T include medical payments. If you want coverage for the kids if they find hurt (like, hit with a baseball that knock out a tooth), your ALSO going to have to receive a group accident policy. Which will be rate on the number of kids. Want coverage for corporal punishment or sexual misconduct? That's going to be seperate, too.
You'll ALSO need workers comp for your team. Expect that to run you about 20% of payroll.
But within order to attain "real" quotes, you'll have to contact a local agent. Don't bother next to the State Farm and Allstate types - they are NOT going to want to touch this with a ten foot pole. You'll be looking at an excess lines/sports/adventure specialist for this.
The best article to do is contact a local insurance agent. If you know any other trainers (football, soccer...) you could ask who they use.
It's a tough question to answer because within are just too several variables. You really need to make conversation to an agent or broker, preferably one that has deal with some of the specialty factor involved in running a military camp or facility that works with kids.
I option I could help more.
Can a 19 year infirm college student apply for medicaid?
Question:
Answer:
When I was contained by college, I applied and was approved. They just wanted my info. I lone had a cut time job, and it be a lifesaver.
as long as you make smaller amount than 28,000 a year yes.
Only if you have some considerate of disability or special circumstance.
Anyone can apply for medicaid. It is based solely on your income. They will ask you question and will want to know who lives with you and what the income is. That is how they will craft the determination if you qualify or not. If you need to attain medical service, please apply, all they can utter is no.
yes you can
There's Medicade, and Medicare. Chances are better for Medicare. But why not try HSA (Helth Savings Accounts).
Do you have any income at adjectives? Do you have any possessions?
Are you disabled?
Go by your local Soicial Security Administration for answers.
If your parent are paying for college and they are claiming you as a dependent and duty deduction, it is unlikely that you would qualify as your family unit resources would be taken into account. If they are not, and you get together certain income requirements substance if it is just yourself and nobody else within your family and you build under $692 surrounded by income per month and have beneath $4150 in resources (the resources of officially responsible family member are counted) the you should qualify. Look up the facts on the following link. http://www.strength.state.ny.us/health_car...
Sure, but if your parents claim you as a dependent, then you own to use THEIR income for the income guidelines to see if you're eligible.
Worker's compensation benefits?
Question:
Answer:
In answer to the person that basically told you to get a advocate, Workers Comp disability is mandated by the state. You will grasp exactly the same transient disability with a legal representative as without. The single difference is that with a advocate, you get to wage him/her part of it.
The individual reason to draw from a lawyer is if your claim is denied and you believe you own a compensable injury. Permanent disability is also state mandated. You're not going to achieve any extra for pain and suffering by have an attorney. There IS NO pain and suffering surrounded by Workers Comp cases.
If the insurance company denies your claim or terminates benefits and you believe you are disabled, THEN hire an attorney. Other than that, you're wasting your money because he'll bring back a chunk of what you would have gotten salaried without him.
Yes they own them... is there a examine
what?
My wife had surgery subsidise in Aug. 2006. If you hold a
comp case, the best direction I can give you is Get A Lawyer!
If he or she think you have a travel case they usually will take
the covering on a contingency, so you won't need to lay out any
money. It is influential to retain a lawyer A.S.A.P.
Since you really didn't ask a request for information, I don't know if this
is going to be of any help, I hope so. Good luck.
self take adjectives the money i could get not resembling they are going to pay you if you dont appropriate it then what you going to market crack to put food on the table TAKE ALL THE MONEY FROM THE EMPLOYER thats what i would do : )
Yes, and they vary state by state, surrounded by accordance with state tenet and case ruling.
The only experience we hold had beside worker's compensation benefits is that the hospital and therapy bills be paid. We be not sent bills. There was also a module of salary that be paid. The insurance company have a representative to personally check relatively often on the physical progress.
Can i claim on insurance?
Question:
After the terrible curl we had on thursday i notice a big crack in my daughters bedroom glass. Can i claim on my insurance for this? If so which one building or household?
Answer:
Glass is part of the building. You can put a claim contained by, but likely the cost to replace the pane of chalice is under $100, and your deductible is most expected over $250. They will NOT pay to replace the entire windowpane, only the pane of chalice. They will look at the glass to see if it be a cold crack, or if something hit the window from the outside or inside. The solely claim that is covered, is if something hit the porthole from the outside.
Plus, the claim will count against you as far as rating goes - you could be "uprated", and you WILL lose any loss free discount you might hold.
Frankly, this should just come out of your house continuation budget, I'd never file the claim if it be me.
You can make a claim on your insurance for your home (the building).
the claim would depend on the power of the cover you bought. it would be buildings insurance. give em a telephone and find out
Try both as most policies these days are mutually for house and buildings. Was it caused by the storm as you have need of to prove it and say how it be caused so no sprite tales?
It will be your buildings insurance. - Give them a ring - the worst that can come about is they say no.
i dont construe you can as bad weather is an work of god but it wont hurt to ask your building insurer
you can make a claim,but what is your deductible?your deductible could be superior than the cost of the window.
Not lone is it likely that your deductible is probably better than the cost of the window, but if you put contained by a claim your premiums will probably get increased.
Sorry to be distrustful but how do you thin the meander caused a crack contained by one window!? This would not be covered as storm vandalize unless but more like Accidental Damage. If it have been storm interrupt then you would expect to see deeply more. The best you can hope for is to be given benefit of the doubt! You will be asked how old the porthole is , where is the crack - internal pane or external? Again buildings - anything you can't appropriate with you when you move! Contents is the disparate.
it would be buildings insurance. however unless it is a large fanlight (say a picture window of several metres nouns, then I dont imagine it will be worth claiming as the excess will probably outwieh the claim value
to amke a claim inform your insurers as soon as posisble, stating what happneed and ask for a claim form..some can appropriate details over the phone.
beofre doing that I'd check what the excess is, and get a rough estiamte of waht it would cost to do the work., and later make your mind up.
This will be a claim on your building insurance and you will hold no problem whatsoever in claiming.
Most insurers own a preferred supplier for glass replacement (ie. Solaglass) so bestow them a call and they'll any appoint them directly or give you their freephone number.
This will be one of the easiest insurance claims you're ever expected to need to net.
building but see if your deductible is higher next replacing the window
Building. Household insurance covers your advisable items. Your window is piece of the building. Anything FFF ( furnitures, fixtures and fittings) are under household.
It will be your buildings insurance
Tax treatment within Mexico of enthusiasm insurance loss benefits?
Question:
Answer:
You posted this on the USA board, so unless there are Mexican excise specialists reading this, it's not likely you'll procure an answer.
If you are a US citizen residing in Mexico, at hand is no tax liability. Mexico will assume that the taxes on the estate are salaried in the US and duration insurance proceeds are not taxable in the US.
If you are a Mexican citizen residing surrounded by Mexico, you will have to consult a Mexican attorney or accountant.
I hold a small company. We will be deduct for form insurance within 2007. Are these deduction made on a pre-
Question:
My company is in Florida.
Answer:
Yes Health insurance should be deduct pre tax. Congrats on the affix for insurance!
Actually you need to hold a Section 125 Plan Document that covers the legalities. When this is in place THEN you can take off any deductions related to medical or dental charge on a pre-tax basis. This would include your vigour insurance, dental insurance, vision insurance, calamity supplemental plan, cancer supplemental plan, etc. If you don't already have a Section 125, ask your broker. If you don't hold a broker, talk to your accountant.
Good luck!
You will call for to set up a "Cafeteria plan" or what is more commonly known as a Section 125- afterwards you can deduct on a pre-tax proof. I would also recommend opening up a HRA or HSA plan.
Is it usual to own a seperate insurance for my 2nd underground store?
Question:
I live in an appartment. I enjoy a garage and a cellar, and lately got a 2nd crypt on the ground floor. My insurance rep told me I had to find a seperate insurance for it. He says it's not considered as a vault since it's on the ground floor. Is that true? I have to earnings $150/year for it.
Answer:
I'm having a complicated time figuring this out.
Is your apartment contained by one place and this other room or cellar someplace else? Like a storage element or something?
Something isn't adding up here. $150 a year for one room? I merely pay $450 a year for an entire house and they're insuring the building and adjectives my contents. I'm assuming that you're only insuring the contents contained by the second cellar. Are you contained by a really bad neighborhood near lots of burglaries or something? I'm not getting it at all.
I'd reach a deal to another agent.
Additional info based on info you simply posted: Same building, it should be covered period. It's bit of the same home. I don't see the apology he wrote a seperate policy at all. Even if you own a storage unit some place else, it's lately an endorsement to cover the other location.
Is this adjectives considered one address? You said this is an apartment? Do you pay seperate rent for this other space? It sounds resembling it would all spill out under impossible to tell apart renters policy.
When you say crypt, you're talking roughly speaking a storage unit, right? Where you store your stuff?
You should know how to endorse your renters insurance to show property at an more location - which would be that location. Yes, it's a seperate location. Pricing seems lofty, and I'm surprised that you need a seperate policy for it.
Are you contained by the US?
If so, it's possible that your insurance company simply has no route to extend the coverage from a renter's policy. (Different companies have different rules about that sort of thing.)
Check next to another agent (or three) and see if you can find one that does.
My answer is based on this vault being a storage part.
An ISO ho4 policy states that personal property are covered worldwide. There are some limitations for a 2nd residence but if this is a storage unit it would not be a 2nd residence. You have need of to call a couple more agents and find out what they would do.
Having a 2nd policy doesn't nouns right
If an MD is Out of Nework w/a primary insurance but the forgiving have Medicare as second what happen to be a foil for
Question:
Our physician is out of network beside all private payors except for Medicare. We own a patient who have a private insurance and Medicare as secondary. After the primary pays, the symmetry goes to Medicare, but Medicare will just cover a portion...does that get written rotten?
Answer:
No, it become the patient's responsibily. You also have to check if the tolerant has both medicare A & B. And brand name sure that it's not a medicare opt out program, in which the lenient waives adjectives their medicare benefits, and signs them over to an outside insurance carrier. Mcr is simply secondary if the forgiving or spouse is working full time. I'd also see if there is any out of framework benefits for the primary insuarnce, unless it's an HMO there should be. hope this help.
Generally any secondary insurance including Medicare will solitary pay base on approved charges. If the doctor is out of network, the charges will probably be more than the insurance company will approve and in attendance will be excess charges even if Medicare does pay some of the bill. The symmetry will be billed to the patient.
I simply get my Property and Casualty Insurance License...?
Question:
I want to start out as an Exclusive agent in Texas. I of late need to know how to walk about decide what insurance company to represent.
Allstate, Statefarm.
Please let me know if you own any information. Thank you!!
Answer:
Because of the line of products that they take, the larger companies may require you to get your Life and Health insurance license also. And your NASD 6 and 63 securities license.
With property and casualty you're a disadvantage to them because if a customer wants everything, you're incompetent to provide.
Check into which companies still pay bonuses (on production), not of late commissions. I suspect you'll find the list get a LOT shorter in a hurry.
Good luck!
The first ruling to make is whether you want to be an independant agent or an exclusive agent. From your put somebody through the mill it appears you have already made that finding. I like Allstate's current Your Choice Auto program. It adds some competitive advantages.
Well, right luck. Contact both of them, along with Nationwide and Farmers - two more direct writers - to see if any of them are of a mind to take a green agent.
Without any experience, it's really firm to get your own agency. You're probably best rotten hiring on as a CSR or some such to learn the ropes.
Does anyone enjoy any concept on how to fix the insurance flea market surrounded by Florida?
Question:
Specifically the homeowners market. Its crashing - everything is have to be placed with Citizen's and thats not what it be designed for. If you're from FL you know what I'm talking roughly.
Answer:
People in Florida are knotty pressed. The risk is enormous.
A few accepted wisdom for fixescontinue to encourage lawmaker to subsidize high risk losses through use of a taxpayer funded illustrious risk pool (which is what Citizens is).
Push for much, much stronger building codes and standards.
People don't want to pay the extra 3 to 5% more a house costs to clear it hurricane proofyet they are the first to complain when insurance rates are so high.
Insurance rates are so large because too many general public aren't heeding the counsel not to build on the coasts and they aren't building storm resistant homesso the storms come and damage the home and consequently they want free money to fix them.
You must be referring to the insuring of mobile homes, which has be shrinking since hurricane Andrew hit back surrounded by 1992. I dare say that the undertaking that our insurance commissioner is facing won't be easy.
No, it's not jst mobile homes. It's everyone's home. My insurance go from $1800 to $5200 this year and I have NEVER FILED A CLAIM. My house is far from the coast and I just lost an awning when Wilma hit it head on. I didn't folder a claim. I just glue six tiles baclk on the roof myself.
We need to tolerate out legislators know that they had better bring cracking or they will be out of work.
Tell your state senator and Rep and the Gov. Crist and the Ins. Commissioner that we are mad as hell and are not going to pinch this any more!
We are being screwed bigtime by the Insurance companies. Laws are needed. Threats must be made.
Well it's a risk versus reward for the company. If at hand continue to be masses many losses contained by FL each year, it make no sense for companies to write policies there solely to risk insolvency and have no expertise to pay on adjectives their liabilities. It seem there is no road to solve the issue. It doesn't make sense from a business standpoint to verbs to write policies to lose money... Oh and by the way read your policy, usually flood insurance ISN'T included surrounded by a standard policy.
The problem with Citizen is specifically was not run properly from the begining. It is supposed to be the last choice but 1 or 2 years ago it be the cheapest. Finally the rates are up with everyone elses and very soon they are looking to modify their underwriting guidelines.
The prices of premiums enjoy increased due to the re-insurance rates companies have to reward to stay in business surrounded by florida. They more than quadrupled!
Yes this year we've had a blessing by not have any hurricanes. The prices will stay up because we cannot let our guards down and expect subsequent year to be the same.
All we can do is verbs to send requests to our establishment and local officials to own professionals look into Florida's homeowner's future.
if you want home base job
http://www.freewebs.com/homesjob...
if you want energy security you enjoy to check more info
http://www.freewebs.com/getinsurance...
if you want health info
http://www.freewebs.com/healthcareinfo...
Even if we're not from Florida, but *used* to write FL property insurance, we know what you're conversation about.
The ONLY fix for the insurance open market in Florida, is to allow the companies to pocket GIGANTIC rate increases - to the point where plentiful people won't know how to afford the insurance.
The fact of the thing is, in days gone by few years, claims in Florida hold been $3 - $5 compensated out for every $1 taken in. So for insurance companies to engineer a profit - to be willing to write insurance within Florida - they've got to be competent to increase their rates to about 6X what you be paying in 2003.
That's why the parliament stepped in near Citizens - because only the rule can afford to insure buildings at a loss - because they tax everyone to attain compensated.
I believe that answer lies in rating for coastal communities. The reality that all Florida residents are carrying the nouns for people that insist on building within the most storm prone areas.
Someone living in coastal areas should be paying much larger floor rates than the rest of the state. If prople want to live on the coast then they should repay the price for security of their property and the rest of the state should not own to bear the nouns.
Lets rate the policy based on the threat of huricane sprain.
How does Geico proffer low rates next to adjectives the $ spent on ad?
Question:
We see the gecko ad, the multiple caveman ads, and other ad from Geico blitzing us at all times. How can they present more competitive rates than other insurance companies if they spend all that money on public relations?
Answer:
Because GEICO is owned by Berkshire Hathaway and Warren Buffett is a genius and making money. I own no idea who come up with the flier campaign or how they pay envelope it but Warren Buffett has never owned a company that I know of that didn't produce money.
In my experience however, GEICO does not have the lowest rates. At smallest the couple times I got a quote from them, they be always complex.
In my experience, GEICO has NOT offered the lowest rate. In certainty, last time I search for car insurance in that were a couple companies that give me lower quotes... Progressive ended up individual the cheapest.
They are like costco - everyone know about them and everyone shops at hand - They have millions of customers..so they can bestow lower rates
Geiko does not have to compensate agents. Also they are not actually low. I remuneration much less next to State Farm.
If you're a Geico customer, YOU'RE paying for those commercial, bud.
Volume. A company like that cannot afford not to pile it on. I believe they have a more streamlined path of doing business as far as agents go. They are after flea market share and once you start paying for insurance with them they hope to save you. I bet they are doing just fine.
Geico is simply one of the many companies owned by Berkshire-Hathaway, you know, Warren Buffet, the second richest man surrounded by America.
They cherry pick their clientele of "safe" drivers. When they aren't having to settle up out claims, they can spend it on advertising and filling the salaries of the headship.
Easy, they have so several people who are buying policies that they hold enough for ad and investments. It also helps that the company invests the premiums terribly well and take home a great ROI. In addition the spokesperson is a gecko how much money could it cost to hire him? :)
Geico tend to aim at the "minimum liability" set. That means, your insured have an accident, you can merely write the check for the policy limit and not verbs too much about quibbling - frequently the damages are very well over the policy limit, but they're bad the hook once the limit is reach.
That massively saves claims and adjust costs, not to mention litigation.
All insurance companies spend money on advertising. Note
Sears an AIG ad on TV.
Help! How do i cart legally recognized behaviour against Mobile phone insurance company?
Question:
My phone was stolen surrounded by oct. I have be paying premiums of lb5.00 all year. I compensated lb25 excess fee surrounded by early Nov. Every afternoon this insurance co tells me the courier is bringing it, sometimes they avoid my call put the phone down etc. I still have no replacement phone. How do i originate legal proceedings against them. Surely i can sue?
Answer:
Actually probably not.
If you look scarcely in the fine printI'll bet you'll find a clause that forces you to filch any disputes against the insurer or firm into binding arbitration, where you are plausible to either lose outright because they'll out legal representative you.or it won't be worth it for you to spend the hundreds or even thousands of dollars in official fees in instruct to recover.
You are probably better stale just getting another phone and checking to see if they'll discount your premiums rather than in reality pay out on the phone.
Before jump straight at them with a decree suit, put your concerns on paperwith detailed dates and occurrence and tell them that if it is not resolved previously a given date, you will be taking legal performance. If you don't hear from them again, seek guidance from a lawyer friend (no cost) or the Citizens Advice. They will relate you if you actually own a case and also the certainty that you have written to the company prior to this (have a copy) will contribute you more standing when taking it further.
Sometimes they just entail that little push to get themselves into gear. Good luck...and don't furnish up.
Write in a missive exactly what has happen and in the command of events, e.g. how much you've been paying for insurance, since when, when your phone be stolen etc... Then describe your problems with the company/non-delivery of phone etc... Get the describe of the manager of the insurance company and distribute a copy of the letter to him/her by Recorded Delivery (so you will know it have definitely be received). At the bottom of the letter write 'a copy of this communiqué has be forwarded to my solicitors, who will be in contact beside you if I do not hear from you or receive a response from you by the end of the month.' Hopefully this should work! I hold actually done this myself (although I be claiming holiday insurance money back fairly than just the transfer of a phone). Also, the insurance company will be affiliated with the your mobile make friends provider so you could always threaten to call off your contract with them unless they reimburse the excess money you own paid to the insurance company. I own also twice threatened to leave my mobile see provider and they were so aflame not to lose a customer that they bettered my current contract! Hope this helps, tolerate me know how it goes! Be forceful!
if you want home base job
http://www.freewebs.com/homesjob...
if you want enthusiasm security you enjoy to check more info
http://www.freewebs.com/getinsurance...
if you want health info
http://www.freewebs.com/healthcareinfo...
Did I qualify for extra serve contained by 2007?
Question:
according to my part d insurer unicare i qualify for extra abet in 2007 after reception a letter from them aphorism i didn't. now i receive aletter from the california dept of vigour stating i may not qualify for it. yrt medical is paying for my medicare insurance premium and the prescriptions are being covered. so what is really going on?
Answer:
I don't know the answer to your put somebody through the mill. I know some low income participants qualify for auxiliary help.
If the state of California is paying your Medicare premiums, you are supposed to win the extra help automatically. You inevitability to contact someone and get some relief with this.
There is a merciful advocate service explicitly suppose to help next to these questions. Please christen them at 1-8OO-532-5274. I hope they can assist you.
R&C charges - does doctor waive?
Question:
My mom has a PPO and go to an out of network specialist for her hindmost. She just get an EOB and her insurance only salaried R&C and left her near an additional $700 of bills. My interview is this: Do doctors typically write off the difference or is my mom going to see this surrounded by her bill? Doctor was remunerated 1k already. If my mom is responsible for amount over R&C is there anyway to contest beside her insurance company?
Answer:
Doctors do not normally waive the stability, especially if they are NOT a "private practice" physician - that would mean, they're an hand, and they don't have the POWER to waive the set off.
If they ARE a private practice physician, you can ask them to waive the balance, but they don't enjoy to.
The only road to contest this with her insurance company, is to read the policy, and see if it say something different from what they are doing. If it says, "we pay cheque 80% of U&C after the deductible is reached" and they are only paying 50%, powerfully, you can contest that!
BTW, most policies use "Usual and Customary", not "Reasonable and Customary", which is why the R&C is confusing some people.
I'm not sure what adjectives your abbreviations denote, but I think you are clich¨¦ she went out of lattice and the insurance only compensated part of the bill. Well, that's how it works. You stay within network or you wages more. Your mom is responsible for any amount charged by the doctor that is not covered by the insurance. This is detailed within her insurance booklets and information. She was aware of this previously she chose to go out of net (or she should have read her policy). She pays. Period.
If you get an EOB, then it tell you how much you owe right on the piece of paper.
Yes, doctors write rotten charges that insurance (and especially medicare/medicaid) won't pay or won't authorize.
If the plan say it will only pay cheque R&C then to be exact all it will wages (and that is how most of them are). If your doctor charges more, consequently you have to remuneration it. You may be able to negotiate a smaller amount by discussion with the doctor, but yes he is going to bill you for the difference.
I would ask the doctor something like their billing policy. Providers usually end up writting rotten a large portion of bills when they are contracted near the insurance company. So to answer your question they can bill your mother. I doubt they will it is drastically rare that a provider certainly recived 100% of charges billed. Hope this helped.
It depends. If the doctor agreed to adopt in-network payment or the EOB states "forgiving can not be billed" - then they write sour the additional charges. If neither of the two previous instances are applicable here, consequently, she might get billed, and she can't contest it next to the insurance - unless the doctor WAS in see at time of service and was compensated incorrectly. (That's the risk one runs with using their out of see benefits.)
IF she gets billed - try negotiate with the doctor's organization. Offer them half within cash right away and see if they'll thieve it as payment surrounded by full. Most will - because it's less time and money they enjoy to spend billing you.