What is OPT. MORTGAGE CANCELLATION COV?
Question:
i just closed on my house on motorcade 26th. i got a communiqu¨¦ in the post today from a "mr. Stanley" from new york boro's government group inc. It is "Re:OPT. MORTGAGE CANCELLATION COV." the letter read " i have be unsuccessful in trying to contact you. Please ring up me regarding the sheltered." there be nothing else within the evnvelop. this is the first letter i received. what can this be more or less? ." the letter read " i have be unsuccessful in trying to contact you. Please ring up me regarding the roofed." there be nothing else contained by the evnvelop. this is the first letter i received. what can this be give or take a few?
Answer:
It sounds like second-hand goods mail to me. The direct correspondence people resembling to make things look allowed to get you to give the name them. They then bombard you next to a sales pitch for something.
Mr. Stanley requests to sell you something. You don't stipulation to call him, nor do you necessitate to buy what he's selling. The product name sounds an awful lot resembling a scam. Don't call.
Sounds resembling someone bought your name past its sell-by date a list, and is trying to scam you on something. Have you tried a reverse lookup of the handset? Or even checked the area code to gross sure it's not one of those "out of this country, $5 a minute" things?
Does anyone know of a website that have your strength record/score that ins. co use to determine exclusions/rates
Question:
Answer:
Insurance companies can not use the Medical Information Bureau to make underwrite decisions. That is bit of their charter. They use it to determine if there are any mis-representations or omission on matters that they would rate adversely. What they do is compare what be filed by the varied carriers near what you say on your app.
The insurance companies utilize your medical documentation and the application to make a conclusion.
If you want, you may request a copy of your MIB file at the site below. Keep contained by mind you will have have to applied for life, strength or disability insurance to have a report.
No such thing. Sorry!
There is no pattern site with this type of information -- at most minuscule not a publicly accessible one.
There is something known as the Medical Information Bureau and one of the things you sign to authorize when you sign an application for go, health, disability, long-term thoroughness, etc. is authorizing the insurance company to check your records through the MIB.
However, as I said, this information is most unambiguously NOT available to the public, nor could it be under Federal privacy law.
These records are private and can not be put on the pattern or released to anyone without your expressed written permision. This is one of the forms you will hold to sign if you appy for insurance. There is no website to get this information. But you can assume if any insurance company rewarded for any medical procedure this and any findings from it are in your account.
There isn't one. There's no such thing as a "form score".
Principal Financial Group-Life/ADD Insurance?
Question:
Is there anywhere online that I can review a standard member of staff benefit group term natural life insurance (specifically AD&D) policy? Focus on the exclusions for the AD&D?
Answer:
You can contact any independent health agent and take a copy of the standard exclusions on the Principal AD&D form for your particular state. Contrary to other answers, at hand are no "standard ISO forms" for health insurance. ISO forms relate to property/casualty insurance.
If it is group, you should be capable of get a booklet (you should own gotten one when you signed up) from your HR person. Go to them and ask for one if you want to know what is covered. There are so heaps variables it would be impossible to find what you are looking for on-line and then expect it to be that passageway where you work.
I don't know of anyone who posts policy forms on stripe for just anyone to look at - they are proprietary information. When standard ISO forms are used, the contracts beside ISO don't let those expert forms be posted on the internet. You have to subscribe (pay) to see them.
Short occupancy disablity insurance?
Question:
does anyone know how or where to return with short term disability insurance individually? I am surrounded by NE Tennessee if you know anywhere close to here. Any suggestions would be appreciated.
Answer:
Just type in disability insurance contained by your seach engine and you can go on-line and find someone who will quote you rates. However, I would suggest you go and get a phone book and look up local agents so you can ask questions and kind sure you get the right plan.
Several companies contribute disability plans for individuals. I would suggest that you look up an AFLAC agent in your phone book. I enjoy talked to my agent give or take a few plans and they were comparatively reasonable. I did not qualify for the short possession disability due to a pre-existing condition (Diabetes), but I do have long residence disability and a plan that provides income during hospitalization.
Yo,im 17 and i simply get a 02 gti wat is tha bast insurance for it give support to me out?
Question:
Answer:
full comprehensive, hope you drive better than you spell ...
Yo learn english..LOL i agree beside dub
First attend English class.
go to www.progressive.com and bring back a quote. They run a quote through other companies, too, comparing quotes. It's pretty helpful and they enjoy awsome service.
Best insurance it to SELL the GTi and buy something cheap and cheerful, sure it'll not move so quick, but will distribute ya time to earn your no claims discount and actually LEARN to drive properly.
Taking curriculum and passing interview is only the beginnning of the process, it take time on the road near outer road users to learn to fiddle with a car fully, and anticipate other road users.
17yr infirm + GTi car is a BAD combination. MANY insurers WILL NOT insure that combination, and those who will will charge you WAY BIG bucks.
Also remember, IF you are within an accident and it is attributed to excessive speed, and police agree on to prosecute / fine you, insurance MAY have a clause to avoid / drop off payout.
Call a local agent for quotes. If you have a loan on it, it's going to be really, really expensive, no concern where you move about.
Yo.
yo do this: make yo dada ring the insurance and say i want insurance for car and put it on his nickname best thing.. thats what i did and it worked at geico recount them this
Maybe you can try below website to get the information you obligation. It's about cheap vehicle insurance for teens articles for your second opinion.
Have fun trying to take an insurance company to insure you at that age and with that motor....they are going to hit you pretty hard beside the premiums.
Group Health Insurance beside Pregnancy?
Question:
I know I can’t get an exact answer short all the group details, I’m only just looking for a general notion. I currently don’t have condition insurance with work. They do give it, however it is not open enrollment right immediately. My wife is two months pregnant and we just found out her form insurance doesn’t cover pregnancies. They are saying I can’t join up the group with my wife and own the pregnancy covered. My understanding be that pregnancies could not be considered pre-existing conditions for group policies. Please help!
Answer:
You can single add ancestors to your group health plan at the foundation of the year and your original enrollment date, and if nearby are any family change such as marriage or divorce.
The cause why you can't add her very soon isn't necessarily just because she's pregnant, it's because it is not an enlarge enrollment period.
Depending on how far along she is you hopefully should know how to enroll her in your plan at the formation of the year - just back the baby is born.
Or, if worst comes to worst, you can quit your assignment and find another employer that offers robustness benefits and enroll her then. OR...Sometimes employer are willing to "fire" and rehire you matching day-thereby making you eligible for new enrollment.
Good luck...and congrats!
From what I own know, in command to have a pregnancy covered, you must own the insurance in place past conception.
The problem is that you are not in an start on enrollment time. If you were, you could put in her and pregnancy is not considered pre-existing if it is part of a group plan for over 50 personnel. Why didn't you get the vigour insurance when it was offered? Things close to this do happen and that is to say what it is for.
Wow that sounds weird.. doesn't trade name sense to me...sounds like your company doesn't want to pay envelope...but why not offer the plan to you and split the cost if cost is truly a factor...
If you cannot obtain coverage, you should consider Ameriplan. It's $59.95 per month for a family connections plan and although it's not "traditional" insurance, if you get stuck short any coverage at all, you will winding up up with a big bill, especially beside pregnancy. Ameriplan has a great hospital advocacy plan which can release you thousands..
I would talk to your HR executive and get some more FACTS..
There is no agency pregnancy can be considered a pre-existing condition, in my judgment...
Jess
http://jbogosian.onesimplecard.com...
http://www.ameriplanusa.com
I think that's going to depend on what state you are contained by. I've certainly see pregnancies considered "pre-existing" on group policies.
More importantly - when is open enrollment for your company? Most of the time, it's expire of the year - effective january 1st. If she's 2 months along presently, it's a moot point, as the baby will be here by next.
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When your looking for an Auto Accident Attorney how would you dance in the region of doing it?
Question:
We are a Law office out of Boston, and we are trying to manage you the consumer to see what you would do if you needed an Attorney to represent you in an Auto Accident Case. You can check our website out to see what be about, and it would be great if you could distribute us some feedback as to what would help you when questioning for an Auto Accident Attorney. www.Iannellamummolo.com
Answer:
My sister is a practicing attorney in OH. I would phone up her. She told me there's this internet list of attorneys that other attorneys subscribe to, starts next to an *M*, can't remember, but other attorneys can look up attorneys on it. I think of it as the AM Best Rating for attorneys.
So, I'd move about to someone I know, and ask them for a professional referral.
I would avoid any attorney chasing an ambulance or trying to advertise on RunEye.com
place a discern in front of ur accidented vehicle
Yellow pages.
How can I collect damages from a fire that occur within a commercial building contained by which my store be a tenant?
Question:
My store was destroyed by fire as a result of a fire that started within another tenant's unit. I did not hold insurance but the other tenant did. The fire department's and the building's insurance carriers investigators report indicated that they believed the fire started surrounded by the other tenant's unit. I sent a certified message of claim for damages to the business owner as well as the building owner but received no response. What are moy option. My loss was within excess of $200,000. I had a retail computer store.
Answer:
Perhaps you be expected to provide your own fire insurance.
Why did you not have insurance?
That is one of the biggest blunders that business owners trademark? You never can tell what style of disaster will strike and put you out of business.
You can try to sue to get the damages, but it will cost you time and money. Also, near is no guarantee that you will get the money backbone. Insurance companies are pretty good at not paying when they don't hold to. It is possible that the guy did not carry a liability insurance. If that is to say the case consequently you would have to sue that business owner. Even if the individual did carry liability, I would bet that the insurance agency specifically outlines contained by what events they would have to compensate.
The big lesson here is to get insurance and form sure that it covers you in events approaching these.
You file a claim below your insurance policy. If you don't have an insurance policy, you're uninsured. No one else is responsible for it, unless they set the fire on purpose. In which case, it's a criminal perform, and not covered by their insurance policy.
You are out of luck. Their fire policies aren't going to cover you. Fire doesn't work that way. The ONLY arbitrariness you have is getting coverage lower than their LIABILITY policies - and you're not likely to collect at hand, either. You're not going to go and get any response, until you file a lawsuit - they will expected defend, and most possible win. Meanwhile, your attorney fees will be really high. Expect to reward an attorney $10,000 retainer to work on the case, and it could cost you deeply more than that.
I have almost certainly your lease says you're supposed to convey your own fire insurance. They ALL do.
This is a bit complicated and I am no attorney, however, there are some remedies that you do own. They are:
1) Your certified letter for damages to the business owner as powerfully as the building owner should have be for a request for information regarding the insurance company (carriers) that any or both of them have and use.
2) Once you own this info, then you can convey a claim directly to the insurance company(s) yourself.
3) Since you sustained damages to your property, you are one of the "first in lines" to go and get a copy of the police and fire departments reports as to their determination of how the fire started and whether they believe it to have be due to vandalism, negligence, etc. This will be an immense aid in determining the amount of salvage that you may or may not be entitled to.
4) In cases of negligence, you will probably be entitled to damages; you may NOT be entitled to any damages if you have not carried insurance yourself...you should check the legalese within your lease or rental agreement as most landlords spell out their intentions and any/all local ordinances in connection with the lack of their liability next to regards to these happenings.
5) Based upon the police and fire departments findings on the event, i.e., whether they find negligence or intent, you may even be entitled to acquire a small business loan with no or reduced interest rates!
Good Luck!
You would hold to submit a claim under the liability portion of the other tenant's or landlords insurance policy - assuming they hold a policy which includes liability or "fire legal" liability coverage. The burden of proof however - is yours to show that the fire did in certainty start in the other section, and that the other unit owner be somehow negligent. It would be prominent not only to determine where on earth the fire started but how.
If I were you, I would start by trying to find out who the Insurance Companies are that insured the tenant and the manager, and contact them directly letting them know that you wish to submit a liability claim against them. Might be sage to see if you can get an attorney to transport them a letter of representation - and to represent you. If the facts show that in attendance is a good opening you would win if it went to court, conceivably they might agree to try to settle with you out of court. Its worth a shot , but, to be honest , I do not resembling your chances unless at hand is good evidence as to what started the fire etc.
Good luck ... p.s. Why didn't you hold insurance for your store - it would not have be TOO costly for a small retail store.
Sorry to hear about your loss.
The owner of the building would not pass contents coverage and would not be responsible for your contents unless you can prove that the fire was a result of his negligence. For example, the owner be aware (by letter(s) from tenant) of faulty electrical system and never repaired it, which caused of the fire. You entail to establish negligence on the owner's part to be successful within pursuing a liability claim against him.
The other tenant's insurance would not extend to the contents of your unit unless, again, you can prove that the tenant's negligence cause the fire. If the tenant was remiss in starting the fire, later there is a possibility his liability coverage would apply.
It is other the policy in retail business, as it pertains to insurance, that the tenant/business owner get coverage for his/her own business property.
If a tornado damaged the building and destroyed adjectives your business property, would you send a certified note to God asking for reimbursement (since the damages resulted from an act of God)?
You can claim it as a casualty loss on subsequent year taxes. Good luck to you.
Claims Manager
You only enjoy two options.
1. Hire an attorney and sue the other tenant and the innkeeper and everyone in between. ( Hopefully negligence will be determined by the other tenant) this will cost you some $ and some time but hopefully you will return with restitution. The problem you have is that self without insurance on your fragment and not having "Business Interruption" coverage you may own to act on step #2 of this scenario.
2. File Bankruptcy
Where to find a copy of a condition insurance policy?
Question:
I would like a preview of a health insurance policy.
Answer:
You will hold to ask your agent for a sample copy. If you don't hold an agent, and don't have a policy, you'll hold to ask someone who does have it, for a indication copy. Or walk surrounded by to an independent agent's office, see if he have a sample policy he'd be feeling like to hand over to you.
Policy forms are not published on the internet.
I'm not sure what you're asking... please be more specific.
Do you enjoy to be employed to grasp a non-economic loss settlement from wsib?
Question:
Answer:
You looking for free hand outs?
Does wsib = Work Place and Safety Insurance Board formerly Workman's Compensation.
Key word "Work"!
Any style if you figure out how to draw from money from it with out first contributing to it or have no reason for file sign me up.
Is it true you cannot bring homeowners insurance surrounded by Florida if you hold file bankrupcy?
Question:
Allstate has of late cancelled my mothers homeowners policy and she called another company for a quote. When they found out she have filed BK they told no insurance company contained by FL would insure her. Is this true?
Answer:
She'll have to budge to the Florida State Fair Plan - no voluntary company will take someone next to a bankruptcy, except Foremost. And I don't mull over Foremost is writing new business within FL right now. So, she'll own to go to an independent agent resembling www.huttinsurance.com and tell them she desires homeowners, but has a liquidation. And she'll have to retribution the whole year within full. The state fund won't give her "credit" (which is what installment payments are).
It's influential to know WHY Allstate cancelled her insurance, though, because if there's ANOTHER issue (like unrepaired damages) she's still going to have to go and get that fixed with the FAIR plan - they'll endow with her 30 days.
It probably has smaller amount to do with the liquidation and more to do with the reality nearly all most important insurance companies are pulling out of Florida. Bankruptcy or not, it is very difficult to find insurance surrounded by Florida these days.
Thank your Governor, Charlie Crist for that. He alarmed all the foremost private companies away and is now pushing the Citizen's Property insurance (Florida's state run insurance) to homeowners. The problem is it doesn't own the financial strength to handle any catastrophe. Ultimately it will fall fund on the Homeowner's again in the form of a bail out rates, if another hurricane were to hit Florida. I would be remarkably worried if I were a homeowner surrounded by Florida right now.
Who's the bazaar ruler for Life & Health Insurance?
Question:
I have get this homework where i necessitate to find out who is the market perspective for the Life & Health Insurance business. PLEASE HELP!
Answer:
If this is for a marketing paper, you might be interested to know that within are many different market in 'Life and Health Insurance'. These market are divided up according to the type of contract issued, age, gender, form, coverage amount, payment scenario. It get quite weighty. Or do you mean bright sales, total admit assets, financial rating, claims paid?
Ask your local independent agent for a "VitalSigns" report according to the criterea you are looking for.
AARP. Specialize is people over 50.
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How do i capture birth control near no insurance?
Question:
Answer:
I love that you have be judged minus knowing why you use it. I wonder if those who judged you know if you are married or may own to take it for medical conditions? I be on BC at 12 years old for medical reason and did not have sex until I be married.
Anyway, I would definitely check beside the health dept. They can provide you beside free or reduced check ups and birth control. This is an option that have worked out for my aunt who doesn't have insurance any. She gets her check ups and BC for free.
Pay for it.
Use condoms.
Or don't hold sex.
go to the public condition office and see if you qualify for planned maternity, and if your under 18 you can carry them for free !!
Um..you pay for it.
There might be some clinics you can jump to that may give you free access to condoms; check the washed out pages.
Most places enjoy a free clinic where you can return with birth control very cheaply. Check the phone book or G00GLE for the clinics within your area.
Your local robustness department should be able to bring back your pills to you at a reduced price or even free if you qualify under their financial guidelines. Some states don't even require financial guidelines.
Hope that help! :)
stop doing the do.
What kind of birth control are you looking for? Abstinance is free. You can shift to a doctor and just payment them for pills, or go to planned motherliness and they charge based on your income - you'll own to bring proof of income.
I don't know that you would be able to find birth control completely free, but I do know that Planned Parenthood offers exams and birth control at a greatly low cost. An annual exam, including PAP, is around $50 and the birth control I take is give or take a few $20 a month. It would cost nearly that much with my insurance anyway because of the co-pays!
Planned Parenthood
You can other ask your doc for some free samples.... Advise them of your situation and see if they can assistance. I know my doc always give me like a month or two of pills as in good health as the prescription
Kim,
You can go to the local Planned Parenthood. You can also seize ahold of your local hospital and see if they have any community programs. Another great means of access is to speak with your doctor up to that time your insurance runs out. See if he can give you a years worth of sample. Many times samples enjoy to be thrown away do to expration dates. Talk to the doc.
Can someone facilitate me contained by regard to form insurance? i am helping my mom?
Question:
set up health insurance for her my dad and my sis. adjectives are in correct health ages are 48, 48 and 17. I am setting them up through blue cross blue shield online. What things do i want to look for? I am doing this because my mom is paying 200.00 a month for healthcare through her employer and it is a huge ripoff-they pay for nil. thanks to adjectives who reply
Answer:
Usually with individual insurance, at least possible in my state, nearby are limitations on coverage. For example, you could purchase Rx coverage, but there may be a $1000 annual hat. Check to make sure that you are fully aware of adjectives imitations and cap.
I would suggest you looking at the cost of HMO plans (Copays) and then look at HSA-qualified lofty deductible health plans. Typically, the cost of the HMO is sophisticated than the cost of the HDHP and the deductible combined.
After giving you that little bit of advice, I realize that you may not quality like you will own all the answers to variety a good declaration. I strongly suggest that you contact a local, independent agent to fully explain your options and how the plans work.
By the mode, I can't imagine that you would know how to beat the $200 per month that your mother is paying immediately, but if the problem is the benefits offered, then it may be worth the look.
Oh, and don't dissolve your existing coverage until you have be accepted for a investigational plan.
Make sure that it's an HMO or PPO rather than a "discount" plan.
A "discount plan" method that you pay them a chunk every month, enjoy to pay surrounded by full to your medical provider, and then they will donate you the rate (usually about 40%) spinal column after they verify your claim...big rip off, if you ask me.
I choice I could have healthcare for 200$ a month.
Really monitor the co-payment, deductible and what % you have to retribution of each bill even after those requirements are met. We take-home pay 700$/month, plus a 20$ co-pay each pop in, plus 1000$ deductible on each soul and every bill we owe 20% until we reach 20,000$ per personage and then Blue cross pays 100%.
Be hugely careful.
I can't believe that you can do better than 200$ month.
I'd do Traditional Blue, or Blue Value beside 80/20 coinsurance, and a 500 or higher deductible.
Some of their plans will look cheaper, but they may not work for your nouns because of the PPO.
Go to an agent. It's the same price, and he/she should know how to tell you what's the best for your nouns with your clan practioner.
Health insurance is FUN!.....not.
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Why doesn't anyone contribute condition insurance for cars?
Question:
Answer:
It's called a manufacturer warranty
They do, that's what auto insurance is about--funny, funny!
they do!! it's called an extended warranty. Usually purchased from the dealership..... I hold this on my 2004 Ford van
Once the warranty runs out, it would be like insuring a cancer tolerant who just have a stroke. It would not be worth the risk -- all cars want tons of "medical" work after the warranty expires (which is why is expires when it does).
Most dealerships like the one I work for contribute life and disability insurance. That bearing if you are physically unable to work your vehicle payments will be paid for you. Also if who ever's pet name is on the title dies the car get paid rotten automatically.
cars don't get sick.
because they can't generate money at it. people aren't going to trade something unless they can make a profit - and auto preservation is a losing proposition. People would only buy it when they call for a major repair.
The closest piece there is, is an after souk warranty - which is EXTREMELY limited surrounded by coverage, and most people STILL don't buy them.
because cars don't want to go to the doctor near is auto insurance for cars but not health insurance
Because:
Everytime you ask a vehicle to say ah...someone get sick
When cars pass gas...everyone surrounded by the room dies
The rectal thermometers aren't long enough.
Because it is regular for a car to leave behind gas!