Are buisneses require by ruling to post return policy?
Question:
if so are you require by law to post it
Answer:
I suggest you steal the money you get final from the returns and take a spelling lesson.
no
Yes they are but it is not a federal directive. Most of the states mandate it though.
Insurance/Risk assessment business?
Question:
Considering starting a risk assessment, safety audit service.
Going to commerical establishments and analyzing risks, provide recommendation on how to reduce risks and maybe lower insurance costs or in the bag of the insurance provider, help determine if the risk is worthy.
Can anyone provide some proposal, comments or insight? Thanks!
Answer:
Sure. You want to be a Risk Manager and provide your clients with Risk paperwork. You should really be an expert here. I can guarantee you that a large company wouldn't prudence about price of insurance, but nearly the coverage. There are thousands of ways to create gaps within coverage and a good Risk planner can point out to those. Insurance Carriers don't offer Risk guidance services.
Check out this program http://www.scic.com/crm/crmcourses/crmco...
or
http://www.aicpcu.org/
Insight, here - for commercial accounts, insurance carriers and agents already provide these services, at no superfluous charge. I have NO view why someone would pay for them, when they can return with them for free from the insurance company.
There's no such thing as a "worthy" or "unworthy" risk. Underwriting is adjectives about assigning appropriate PREMIUM to the risk. Then it's up to the risk to see if they want to PAY that premium or not.
Take the Risk Management exam series ARM and the Loss Control exam series ALC given by www.aicpcu.org
for me ALL insurance it the biggest scam contained by A merica
BSS, Where is your apartment? I also be information bank an apartment and be contacted by an individual from IHS Ins
Question:
Have you had any further contact near this individual? Did it sound to apt to be true? Did he request you reserve the apartment for May 1st? I have plenty of reservations on the subject of this situation......
Answer:
I don't live in an apartment but a house.
Does ERISA statute cover insurance/pharmacies revealing your specific robustness info to your self-insured employer?
Question:
Info including patient's name, diagnosis, prescription name, strengths & even the pharmacy where they be filled at? I'm not have much luck under the HIPPA directive being enforceable.
Answer:
No, ERISA doesn't regulate privacy.
HIPAA is the correct regulation. Health Insurance Portability & Accountability Act.
It depends on how they're getting the info, and what they're doing with it. Some law vary from state to state, so check the law where you live...
Typically, your employer isn't allowed to know your PHI, in need your written or verbal consent. They can find out overall, how masses employees enjoy a certain diagnosis, or how masses people have a certain procedure. (like tracking costs, and most service provided, etc) But, your individual info should be protected.
Are you spelling HIPAA wrong? Its HIPAA, not HIPPA. Try questioning yahoo with HIPAA privacy ruling employer & your state name.
You enjoy tons of options about the protection of your info. You can file a privacy complaint near your insurance. You can request that your insurance company provide you with documentation showing respectively time they disclosed your PHI, and to whom it was disclosed. Why's your employer asking for your information? And, why is it individual disclosed without your consent? Most info on the network is going to be listed on your insurance company's network site. Try there first.
Actually, I disagree next to part of what the previous poster answered... if your company's form insurance is self-insured, then they MAY enjoy detailed information regarding the allowance of your claims (doctor's office or prescription).
The HIPAA Privacy Act (Title II) regulates that while the Employer is NOT entitled to this information it MAY be disclosed to the Health Plan (yes, the organization sees the form plan as separate & distinct from the employer) for the purpose of paying medical claims. Self-insured health plans are to draw a outstandingly strict line between information received from a medical prudence provider and who at the employer has a lawful "need to know." Every privacy policy I hold ever read allows for acceptable disclosures of PHI for: 1) treatment of forgiving and 2) payment of medical expenses.
For example, if your self-insured employer have 2 employees that are assigned the duty of reviewing claims and processing the appropriate payments, these 2 folks would entail to have severely complete data in connection with the ICD-9, CPT or HCPC codes billed by the doctor, pharmacy or hospital. They should also be required to keep this information extremely confidential and not share it beside the patient/employee's manager or supervisor.
Also, depending on how the self-insured plan is structured the PHI disclosures may be required to authorize large dollar items like (non-emergency) surgeries, MRI, CAT scan, experimental treatments, etc. Some self-insured plans have added features that may be used to lend a hand contain costs for the plan trustees as well as for the patients -- things approaching having a condition care schoolteacher contact patients who receive a new diagnosis of diabetes or other chronic conditions to abet them learn how to best run their own situation.
Many self-insured plans hire a Third Party Administration company to review claims and process the payments. However, the TPA will periodically send list of checks to be cut from the employer's bank vindication which will usually include patient name so that the medical provider can credit the proper accounts. Keep in mind that this check index should not disclose anything more than patient autograph, date of service (maybe), medical provider and the amount being remunerated. The rule of thumb to follow is "minimum necessary."
It's a tricky item. Below is the Health & Human Services website to look up information on HIPAA.
http://www.hhs.gov/ocr/hipaa/
Good luck
No law prevents mandatory disclosure of the notes required to determine whether a claim is legitimate and adjectives the information you're complaining about is required.
Health and sanctuary UK?
Question:
can anyone tell me what papers i have need of as in risk assesments /safty cert etc for working on site beside 6 empoyees
Answer:
You don't actually want any papers as such. A good undeveloped qualification in H&S would be the NBOSH course which take a year to complete but this is not a requirement for general H&S headship.
Common sense is the best ingredient to bring to do risk assessments.
Why not contact your local further education college to see what H&S courses they are doing.
What's cheaper- business insurance base on sale or payroll?
Question:
I have 2 quotes for business insurance. One is base on payroll and one is based on sale. Comparitively, our payroll will increase more than our total sales will. The payroll quote is through an admit carrier, while the sale quote is through a non-admitted, but A rated possessor. How do I decide which will be the cheaper one at the ruin of the year?
Answer:
You have to look at the actual RATE. Any agent worth their brackish should be willing to share the RATE beside you. Then you extrapolate - what if you hire two more guys? What if your sales double?? You stipulation the rate itself, to project a best (worst? LOL how is it worse if your sales triple??) grip scenario.
I would ALSO double check coverages, line by strip - especially the "bells and whistles". Likely, you will have more bells and whistle with the admit carrier.
Make sure your admit carrier is A rate, also.
Personally If I was your agent I would not pass you a quote from a non-admitted carrier ( even though it is "A" rated)
The policy terms is limited. The policy may contain a reversal provision that recognizes an "earned": premium ( of the full annual) contained by the event the policy is canceled after 1 month. The Audit s can be a hassle. Their is a Tax and fee involved. And...your agent doesn't hold the relationship as he would with the admit one. Yes the non-admitted would be "cheaper" at the out set....but drive it for a while and the tires will go Flat!
I would as you agent dance with the Payroll policy. As you can see I don't flog price ....I sell me.
I would run with an admit "A" rated holder over a non-admitted "A" rated owner every day.
Should the establishment pay envelope your deductible when you own a vehicle calamity?
Question:
They pay money over and over to flood victims, year after year.
Answer:
And we wonder why the budget is horrible. Maybe subsequent year they will pay my insurance premiums. By the time my daughter grows up, 2 1/2, she won't hold to work, the goverment will provide all meal, medical insurance, and housing. Did that just come out sounding Socialist? The bigger the gov the worst we are stale.
no
ONLY A BLEEDING HEART LIBERAL WOULD ASK THAT QUESTION!!1
Honey thy might as well be the frigging IRS! That's why near is such a high rate of homelessness and the elevated crime rate. If your insurance policy doesn't stipulate FLOOD INSURANCE well you most possible aren't going to get compensated for the water that have your vehicle floating in it. I get so tired of my insurance people I permit it expire on purpose. I know I've get to get insurance but every time I turn on my damn TV there's those damn pit men sucking up the air top reminding me of a bill to pay. I have to call the company and ask them if this be what they were doing beside my money? LOL! I was pissed girlfriend!
And to you Miss Thing above me lazyike! You've get the nerve to phone call someone a bleeding heart liberal when under your avatar spell lazyike which I'm so sure way lazy@ss!
No; the person at show disapproval in the luck should pay for it.
Wouldn't that be nice?!? I'd be crashing into sh*t adjectives over the place just to sort them pay, lol.
The governing body pays claims on Flood insurance claims, because they are the insurance provider, it is a national flood program. They do not however pay the premiums or the deductable that is to say the homeowners expense. As far as them paying for the deductable on auto insurance, your insurance requirements are a state regulated requirement, provided by private insurance companies, you bear the cost as resourcefully as the deductable. The government is solitary paying on claims for their own program. Perhaps if you understood more or less flood insurance you would understand how wrong your statement is.
No, and what a crazy interview.
No NO and HELL NO
Good looks, and smart to boot!
Where have you be all my go, kid?
The government a moment ago pays and pays. No one said it has to put together sense!
The government should cut my taxes and not just not pay your deductible, but not wages the idiots who lived below sea horizontal and didn't have any flood insurance.
Help near Home Owners Insurance!!?
Question:
I’ve been tag to come out of the FL State Insurance Program, and the new companies rates are much superior and the coverage is less. Do I hold to accept the spanking new company’s homeowner’s policy?
Answer:
Assuming you mean Citizens . . . I don't *think* you hold to move out of Citizens, but you will HAVE to talk to a local agent. They will be more up to date on this.
Sometime any minute in a minute, Citizens is taking a 59% rate increase. Also, by next spring, they are man required to collect enough premium on the policies to touch a "worst case" scenario. That means, the $750,000,000 subsidy that they are currently getting from the state and feds, will GO AWAY. THAT ability, you're going to see an even BIGGER rate jump than you will this spring.
My suggestion would be, if you CAN get out this spring, do so, because NEXT spring you could be support in duplicate situation, of not having any voluntary carrier willing to appropriate you (with the massive rate hikes), at ANY price, and not wanting to pay 4X as much for insurance as you did surrounded by 2006.
no you can look into different companys like allstate,etc.
It pays to shop around.
No, you can walk without insurance - but be prepared to lose your house when the subsequent storm comes around. The problem in FL and other coastal areas have been that homeowners hold not been paying premiums which copy the probability of losses.
3 months ago i financed a saloon that i wreck a couple a days ago all right i a haven't have the saloon exceedingly long?
Question:
i talked to the insurance to settle may claim so they are going to recompense off the vehicle. In the sales contract i read if you rate off the sports car early they will steal off a percent amount. He is still chargeing me the full permanent status can he do that? If someone has any warning on finace, insurance settlements, any thing to do next to this let me know because i have a sneaking suspicion that im getting ran over Thank adjectives of you for the help!
Answer:
I've never hear of "if I pay sour the car precipitate, they take a percentage off". Usually, there's "no prepayment penalty" which way, if you pay rotten the car impulsive, you don't KEEP paying the interest for the unused part of the loan.
I'd verbs the loan papers and reread it. And be grateful that the payoff on the car is low adequate to be covered by the insurance payout.
He can't, unless it is mentioned as such in the contract.
Any money rewarded over your regularly scheduled monthly expense for this month should be taken off of the principal set off. If, after this months payment is made (principal + interest), the principal set off of the vehicle is for example $15,000 and your insurance company pays them $15,000 the principal balance is consequently $0 and they can't charge you interest on $0.
Interest builds over time, so he should not be charging you interest for the full time frame of the loan unless it was within your contract. I would look for things like pre-payment cost in your unproved contract. Since value usually depreciates faster than the amount of the loan contained by the beginning, you still may not be entitled to any extra money, especially if your insurance expands to cover the remainder of the loan, not simply the value of the vehicle.
Home owners insurance?
Question:
ROUGHLY how much would home owners insurance be for a home around 550,000 in Atlanta. All brick home, relatively unusual. I know more information is needed, I just inevitability a loose estimate.
Answer:
It's ALSO going to depend on your credit, and the protection class. The protection class rating can triple the premium. YOu're going to have to attain the estimate from a local agent. I'd expect it, in a protection class 3, to run you around $3,000 near a $1,000 deductible.
A CONDO policy is NOT the same as a homeowners - most of the condo structure is insured by the condo association. ALL of the homeowners structure is insured by you.
Home insurance is base on replacement cost... not purchase price.. large brick home.. $1000-1200/year at the most.
Less if it is portion of a blanket policy.. home/auto/life..
It is included in the mortgage. It would be within the neighborhood of $350/month
I own a 200k condo in Atlanta , and I remunerated $1700/year .
Can a creature bring homeowner's insurance near poor credit?
Question:
Answer:
1. Eligibility is not an issue.
2. It might impact the premium, but many states prohibit to use credit mark to rate insurance premium. So, it depends.
3. If you fail to wages the premium then policy will lapse at some point. Then wall will buy you home insurance at your expense and that one will be much more expensive compare to one you buy yourself. So, your failure to settle up is not much of a risk to the bank.
4. The funny entity is that as many times as I've see that questions asked by insurers nobody asked for a proof (unlike tons other rating factors). Looks like it is not considered to be really crucial.
Yes, because ins premiums must be paid surrounded by advance.
Yes, but it costs a WAY lot more. Foremost specializes contained by poor credit homeowners. You can find an agent in your nouns by going to their website, www.foremost.com. You can also buy directly from them, but I'd suggest going through an agent, because after a year or two you'll be in a better position to ask the agent to see if they can switch you to a standard haulier.
** a few comments on some other responses. No one ASKS for proof of credit score, because respectively company pulls their own. They have their OWN proof within file. Every state EXCEPT California allows credit scoring for rate determination AND eligibility - if your win is below 500, you will likely not be ELIGIBLE beside any carrier. Lastly, if you rely on the "mortgage company" to buy your "homeowners insurance" - surprise! Although it might cost 2-3X what your own policy costs, it doesn't cover YOUR liability, YOUR contents, or YOUR interest contained by the house. In other words, it ONLY pays the mortgage company, and ONLY up to the balance on the mortgage. And THEY aren't going to fix the house for you.**
Yes. In some states credit is not a factor for rating. So a party with excellent credit pays equal as one with discouraging.
Just mail me at solidoffer11@yahoo.com beside subjet- Life Insurance. I will send a connect of best website where you can find angelic offers, tips and resources.
Best wishes
Yes you can. You are going to repay more because of the bad credit but you will be capable of get it. The best article to do is call an independent insurance agent and ask them if they enjoy anything available.
Almost anyone can get homeowners insurance unless you've have a large amount of claims contained by the past. That doesn't necessarily tight-fisted the rates will be what you'd expect. Credit takes its tole on everything these days and unfortunately credit is used to verify what premium individuals will wage. It's not always even-handed, but it's how insurance works.
I own be sued by an insurance company but my insurance co will not show up for court what do i do?
Question:
I have made two court date and the insurance co American Freedom Insurance (Illinois) has not shown for the neither court date I own notified them contained by writing fax and phone. I have a notification of coverage notice from them from an luck two years ago when state property was shabby as result of the accident they remunerated the claim and also paid for my vehicle which was totaled. I hold not reached my maximum coverage eiher. Now a entity involved in the calamity insurance company has file suit against me and another driver we are both listed on the summons by the agency he has not showed up for court one time neither have his insurance company. I have be to court twice and have a nother date subsequent week. They have not responded and i believe their intention is not to respond. What should do they are suing for $12,000. If my insurance company never show up will i bestuck beside a judgment HELP!
Answer:
You requirement to sue them to honor the terms of your policy. But contained by the meantime, they are not a party to the other lawsuit.
GOD i dislike insurances things like that happen to me A L O T. im sorry my dear dunno what to say
agree to them not show up so you don't have to pay envelope the insurance people and basically chill. Otherwise, i dono
Well, this isn't about them DEFENDING you, they've already admit you're fully at fault! There isn't any point within sending a lawyer, the consider is going to find against you.
You just will involve to present the judgement to them for payment, assuming that your policy ends have not be exhausted. They don't need to hold a representative there, they'll be paying the judgement ANYWAY.
Unless you're contending you are NOT at reproach for the accident, that someone ELSE is? But if that be the case, your company wouldn't own paid the worn out state property - so they are agreeing already that you're at fault.
Call the company and ask them if they are going to show up for court. They may not stipulation to be there for some common sense but if you don't call them you won't find out. If they right to be heard that they need to be here ask why they haven't shown up. Maybe they never got a copy of the notification with the court date.
In the insurance industry, what does the occupancy "pc's" stand for?
Question:
i.e. You earn pc's from a product sell.
Answer:
Production credits. For purpose of compensation level they want certain premium commitments. As not adjectives companies and types of policies pay equally. they may assign a dollar for workstation 1 for 1 credit policy for life insurance and do a 1 dollar to .8 for ltc etc.
I'm used to with P&C as property and casualty, but not contained by the context you example.
Hmmm, that's a new one to me. P&C (Property & Casualty) yes, pc's, no. The Only PC's I know of are personal computers.
possibly percentage commissions.
Probably "Policy Count".
Insurance companies call for some measurements to track agent's progress and performance.
Another one would be PIF - Policies contained by Force
Also PPH - policies per household
At Farmers they use Sales Count - each type of policy have its own count.
Where can I bring abet combat an insurence company?
Question:
I don't even know where to start near this one! I called my insurence company ending year to make sure some test's my son needed wre covered. They told me my local hospital be in see. So I took my son for some extensive testing. A month ago I recieved a bill for amost $3000!! Of course the insurence company presently suddenly has no journal of me being told it be covered. I have sent 2 appeals to no avail. I enjoy also complained repeatdly, also to no avail. I just don't know what to do subsequent!
Answer:
File a complaint with your state government's Insurance Commissioner.
The hospital may be covered, but unless the lab be also covered, you're out of luck. It matters not what you be told, since the entire question wasn't asked nor answered.
You've studious some lessons for the adjectives. Always get this stuff within writing. Have as many procedures as possible pre-approved surrounded by writing by the insurance company. This will usually require that the providers (e.g. physician, hospital, lab, etc.) be involved. Read your policy.
For now, read your policy thoroughly including the appeals process to receive sure you know what the policy covers (and what it doesn't) and know your rights and cross all the t's and dot the i's.
If you have known at the outset that this wouldn't be covered, would you enjoy gone ahead and had the test performed anyway?
File a complaint near your state insurance commissioner's office. The hospital may hold been within network, but did they transport anything out to another facility that may have be non-network? I would also talk to the billing dept at the hospital. They may work something out beside you like reducing the fees or writing some of the bill stale.
How long?
Question:
My aunt passed away and left my mom as her beneficary for 10,000 dollars! How long after her motionless should my mom recieve the money! She wants to purchase a skipper stone for her with it!
Answer:
Your mother must contact the insurance company and provide the information needed to insure that she is the indisputable beneficiary and be sure that the policy was rewarded up or to date at the time of your aunt's death.
On a duration insurance policy? Once the claim is filed, it take about 4-6 weeks after adjectives the paperwork is filed. That would customarily be, the claim form, and official release certificate.
If you are chitchat about beneficiary of a life span insurance policy, (which you probably are since this is in the "insurance" category) later the previous answers cover that, but you might want to still read the rest of this for more information about paying for the headstone.
If you are chitchat about beneficiary within her will, it varies. There's a official process that your aunt's estate has to progress through before the beneficiaries return with their inheritance. It probably varies from state to state.
Whoever (person or maybe bank) your aunt named as the executor have to first pay sour any bills your aunt owed and collect any money that was due to her. I have a sneaking suspicion that there's a period of six months during which anyone that think she'd owed them money can file a claim, so it's probable to be longer than that before the estate can be settled.
I believe that funeral expenses are typically rewarded from the estate (i.e. your aunt's money) as part of the estate processing, so it's possible that the headstone can be rewarded for that way and afterwards your mom will still get the full $10,000. You'll hold to discuss that with the executor (sometimes call "personal representative") and perhaps a legal representative.
Depends on whether the estate has other debts which will be remunerated first. Only after debts are covered will the bequest be distributed. Depending on the size and complexity of the estate, clearing probate can take moderately a long time. Having a bequest like this is no guarantee that your mom will ever see the money--it depends on whether the estate have the cash available.
If the policy is smaller amount than 2 years old the policy is still within the period of incontestability and the insurance company can rob up to 6 months while they investigate.
Otherwise they have 60 days but most will hold it to you 10-14 days after submission of death claim and a copy of the disappearance certificate.
You own to file the claim and submit adjectives the requirements. Two months is already quite long for waiting to get hold of claim settlement.