Is in that ANY OTHER WAY to..?
Question:
Get on Medicaid/Medicare(the one that's not strictly for seniors) without going through SSD?
I am not disabled plenty for SSD and my mom and doctors are stretching the truth and lying to the government and I disgust that!
Is there any other track to get on medicaid(broke, low income, lots of medical probs that don't qualify as disability, just very expensive drug and doctor visits) without going through Social Security Disability?
I'm 22 and if you wanna know more, distribute me a note.
Answers:
The short answer is no.
However, you might stipulation to explore why you were turned down for Disability a bit further than you hold. I don't know what you've done yet, but Social Security turns down over 75% of initial claims. You stipulation to continue to pursue it.
"Most applications (approximately 75%) are denied at the first plane. Once you have be turned down, you should file a Request for Reconsideration. If you haven't already done so, this is also the upright time to contact an attorney experienced in disability claims since an attorney can lend a hand you file your Request for Reconsideration. Usually inwardly three to six months after your Request for Reconsideration is filed, the Social Security Administration will issue a current decision. Statistically, you will imagined be turned down again unless your condition has significantly worsened. Nationally, around 90% of claims are denied upon reconsideration."
And after the second denial, you want to appeal again. Basically, it is a grinding game. SS frequently individual rewards those who are relentless.
You don't get on Medicaid through SSD. Medicare is for seniors, and the disabled - so you're not going to qualify in attendance, either.
It's STRICTLY nearly income. If you haven't been on SSD as a child, you're not going to qualify in a minute - you are an adult, and you haven't remunerated INTO it long enough to qualify anyway.
The singular way you're going to return with coverage, likely, is through an employer. So if I be you, I'd look for a job beside benefits, print out the $4 generic list from Target/Sam's Club, and embezzle it to the doc to see what's on the list that will work for you - it will be better than not one able to afford any meds at adjectives.
This company offers a great robustness benefit plan that i know you will love. VERY AFFORDABLE.
The best part is, you can start using it right away after you sign up. Check it out http://mybenefitsplus.com/tbrown714...
Injuires from a coup¨¦ coincidence?
Question:
My boyfriend was just now in a motor accident and at the time the coincidence he didnt have any injuries or strain but now hes starting to grain stiff in his collar and back and he have some pretty bad bruising and cuts on his hips where on earth the seatbelt dug into his skin. He did tell the girls (the one who hit and admit fault to the accident)insurance company roughly speaking his injuries and they offered a pety $150 bucks to cover the expenses of future doctor visit and his pain within his neck, backbone, and shoulders. My question is can you try to procure more money out of this girls insurance company or do you have to run this offer.
Thanks for ur oblige and sorry for the lengthy interview
Answers:
As much as I think they are blood sucking a**holes, take an attorney. The sooner you get one the better.
I be in a motor accident where on earth I sustained a shoulder injury. At the time of the accident, I know my shoulder was sore where on earth the seat belt be. I figured it would budge away in a week. It get worse and worse until it was so bleak, I couldn't benchpress anymore than 40 pounds because of my injury. In the end, I be under medical charge for 4 years, required surgery (after which, I was surrounded by pain for roughly 2 years afterword), and 6 months of physical therapy.
I widely read a couple things about the court system during this lawsuit. I've also thrown a couple of tips in as powerfully
1. Work with your (his) medical insurance company. Make your medical insurance repay out on this. I called my insurance company and I have to sign a statement saying that they insurance company have the right to collect their payments from any lawsuit awards that I might get (or if I don't sue, they can and will sue them on my behalf to catch their money back). The number 1 weapon of auto insurance companies is to drive you broke. They will make you spend your own money, hang about until you are broke, and offer in recent times an OK settlement. Like I said, I worked with my form insurance and they fronted all the money for my medical bills. Because it wasn't my money on the flash, when the auto insurance company offered me a BS deal, I a short time ago laughed and go on my way.
2. Get an attorney as soon as possible. The endorsed battle is a spectator sport, nothing more. It is a hobby where you (or your bf) probably with the sole purpose has a imprecise idea of what the rules are, so you are not going to win. If you hire an attorney untimely, they can work with you to try and maximize payout. Simple things, such as the timing between doctor's appointments can be detremental to a lawsuit. Be smart, obtain an attorney.
3. Be prepared for hell. I have never be through anything so stressful as a lawsuit. It sucks, plain and simple. Try not to take things instinctively. People will come out and tell lies more or less you (not sure why this happens, but after it happen to me, my attorney told me this is quite common). Personally, I feel it is hardly worth it. After the medical companies bring their share, the attorney gets theirs, etc... near isn't much left for the party who got hurt.
No do not thieve the offer. If anything call for your insurance company and ask them for advice. They should be paying special attention, and give you direction on what to do next.
You don't own to take their first tender. He should submit his medical bills and ask for that amount.
Don't accept any money until you speak to a personal injury attorney.
It's call General Damages. It compensates the victim for the affliction and suffering from the injury. You can collect money from that.
That's one of the cheapest settlement offers I've ever hear of. No, he does NOT have to adopt this pathetic submit. If your BF requires medical treatment for his injuries, he should get them and ask the insurance firm to cover them. If they veto, it's time for an attorney to intervene.
California Fire & Casualty Lisence Exam?
Question:
I'm in a required class to run before taking the testing. There is so much material to cover contained by a short amount of time, it's really hard to remember every little detail even when I study it a great deal. What are some tips or some key things I stipulation to know prior to taking the test? What can relief me to study and memorize all of it? It's tricky especially because they are always conversation about home owners policies, auto insurance, personal lines insurance, workers comp... but I work contained by Aviation insurance and that is what I hold experience in so everything else is clean to me and its hard to memorize it adjectives! HELP!
Answers:
Not to disagree with my distinguished colleague, but within are definitely some things on the California Fire and Casualty exam that you will probably never call for to know, but you will need to know it for the testing. I've been surrounded by the personal insurance industry for over 15 years, and I have but to have run across the obligation to know what a "super tail" is. It is, however, on the exam. Most good instructors will update you that there is a "indisputable world" and an "exam world."
If you're concerned about what to focus on, I would unequivocally focus on knowing the difference between special form and broad form on dwelling/homeowners insurance. As I recall, rather a bit of the test is loyal to knowing the differences. There will probably not be that many question regarding bonds, but if you know the party to a bond and what they mean, you're probably going to be fine on that portion.
The California exam is definitely harder than it used to be, and I don't feel that's necessarily a bad point. Until recently, it be so tough that the major insurers complained to the DOI because the go amiss rate was so big. However, I definitely judge the insurance industry in CA could use a appropriate dose of professionalism, so I'm not opposed to making it a bit tougher.
Take the practice exams, and if you're getting over 90%, you should be fine. Also, remember it's pass/fail so you'll never know what your win was (unless you come to nothing, that is!). Don't psych yourself out.
Go seize 'em tiger!
Take more time to study. You DO need to know it adjectives. When you miss a question on your practice test, look up ALL the answers, so you know not only why the right answer is right, but ALSO why the wrong answer is wrong.
You HAVE to be capable of pass the practice examination in decree to pass the interview.
Here's a free practice test for you:
http://www.insurance-schools.com/free_in...
Here is a supplemental tip to turn along with what the creature above me said:
Take a look at those last 2-3 chapter of your insurance class book. Usually it will talk going on for ethics and directive. Ethics and law are reliably 30% of your question paper. You need 70% to pass by.
I passed by making sure I knew the Ethics & Law segment 100%, and then after that, I studied the rest.
In any satchel, your best bet is to write down the questions on flash cards, and write down not merely the answer in your own words, but also the rationale bringing up the rear it. Do this for all chapter. Understand the rationale. Do all chapter 7 times if memorizing things is hard for you. I took a week after class be over to do this and I kissed my life goodbye, consequently I took the test.
Moving insurance/liability?
Question:
I have only just begun a small moving business. I enjoy a small crew (2-3 people, within addition to myself), and we facilitate with loading/unloading, packing, and transportation for local moves simply.
I was asked by a client if I own insurance, which I don't. I'm just a small business, and I hire college kids to abet me; they get compensated hourly after a job. Wouldn't a client's possessions be covered underneath their OWN insurance?
Also, if I MUST have insurance, how can I maintain my prices low?
Answers:
Well, you are hauling for a FEE. That means YOU are a public holder, and subject to those laws, rules, and regulations (which I'm assuming you're breaking, as you clearly enjoy no cargo filings, because otherwise you'd enjoy insurance with them).
You're ALSO required to provide workers comp benefits for your team. If you don't have workers comp, you STILL own to pay benefits! They'll sue, and you'll automatically lose. This is a desperate thing.
Workers comp for movers is EXPENSIVE. There are LOTS of spinal column injuries. The commercial auto liability is EXPENSIVE. The cargo coverage, which you're required to pass if you haul other people's products, is EXPENSIVE. And, of course, you'll obligation the PUC filing, which can be added to any general liability (which is what covers loading and unloading) or the commercial auto (which is what covers hauling for a fee).
Depending on where on earth you live, the cargo will cost you something like $2500. Depending on payroll, the workers comp will cost you about $3,000, minimum. The General liability is probably going to run around $1500, and the commercial auto - for local, which is defined within the INSURANCE world as less than 25 miles radius, near a truck registered for under 25,000 pounds, should run you around $5,000 a year.
These are my guestimates for MINIMUM PREMIUMS. That's how much it costs.
Yes, you do have need of insurance. Call a insurance company that works with comercial policies. If you find a broker, or an agent who works next to more than one company, you should be able to find a cheaper price. Shop around. That will comfort as well. Good Luck within your business venture.
You will inevitability a general liability insurance policy. Visit a local agent; they can answer adjectives your questions.
You any go lacking insurance, keep your prices low and risk getting sued or capture insurance to cover you and raise your prices. Sorry, but that's the channel it is.
Not sure if their possessions would be covered under their own insurance, on the whole because the question could be raise, "What insurance?" Renters? Homeowners? Which home insurance, if they're moving? Because you only do local moves solely, I would not pay for insurance. Have a digital camera handy on your truck(s), and photograph anything that concerns you. Be prepared to foot for the odd fluke make worse, here and there. It's gonna appear! But when you do pay it, remember that you DID NOT hold to pay a stupid insurance premium every month. You'll come out ahead! Good Luck, and hire responsibly! Also, equip your crew with the best surrounded by moving equipment! Blankets and duct tape are cheap!
Can you keep hold of your children on your insurance even after they move out of your home?
Question:
Answers:
If they're minors, and legally dependents, yes. This is typical contained by divorce situations, where one parent insures the kids, even though they live near the other parent.
If you are legally responsible for them as a dependent, they are not exceeding the age of 18, and if they are a full time time student. This, as you would expect, should be confirmed with your insurance company to be sure. Hope this help!
Speak with your insurance company and see if you necessitate to change policy or gross ammendments to it.
And make sure you seize it in writing from the company.
.
different insurance companies may enjoy different policies, so check with urs. Normally within most cases a child over 18 is legal age, so must get their own insurance.
Best to check directly near your insurance company to be on the safe side...
I know that you can *usually* hold your children on your policy until they are 23 years of IF they are full time students (high school or college) and you can furnish proof of this to the insurance company. So if your child lived on campus or practical their school, I'm almost positive they would still be covered. But to be on the nontoxic side, give your insurance company a beckon. Better to find these things out now as dead set against when you have an emergency.
First, read you policy. This interview should be answered in your policy. Or, beckon your agent/rep. Some policies' coverage on children depends on the age of the child, whether they are still a student, which parent has official custody if there be a divorce.
It depends on WHAT type of insurance you are talking just about. Car insurance should be no problem, but home owners insurance is different. You need to yak to the company about it, read your policy, it is contained by there.
I looking for an antediluvian ins. co. call antediluvian splash ins. can you serve me find it.?
Question:
Answers:
Old Line Life Insurance Company is located in Milwaukee, Wisconsin. A wholly-owned subsidiary of the American General Corporation, one of the nation’s largest financial service organization with over $93 billion surrounded by assets, Old Line Life’s conservative investment portfolio is made up largely of bonds, mortgage loans and short-term instruments.
Old Line Life has become
The Old Line Life Insurance Company of America
P O Box 401 or 1200 North Mayfair Road Suite 300
Milwaukee WI 53201-0401
Office Number: (414)286-1500
Toll Free Number: (800)659-5920
Fax Number: (414)286-1550
The first item you want to do now is: CALL the company. If your company have been engaged, merged or assimilated then it is possible that the creature answering the phone won't know what you are talking something like.
FIRMLY ASK FOR A SUPERVISOR to help you.
Old Line Ins. Co.
P.O. Box 676
Frederick, MD. 21705
Old Line Life is very soon a subsidiary of AIG American General. Here is the contact info:
American General Life Insurance Company
On December 31, 2002, All American Life Insurance Company, The American Franklin Life Insurance Company and The Franklin Life Insurance Company were merged into American General Life Insurance Company. American General Life have assumed the policies of these companies. On March 31, 2003 The Old Line Life Insurance Company was merged into American General Life Insurance Company. Questions in connection with policies originally issued by the above-listed companies should be addressed to the service centers timetabled below.
Traditional Life Administration
P.O. Box 4373
Houston, Texas 77210
1-800/231-3655
Fax: 713/831-3028
TDD: 1-888/436-5256
Variable Universal Life Administration
P.O. Box 4880
Houston, Texas 77210-4880
1-800/340-2765
Fax: 713/620-6653
TDD: 1-888/436-5258
Annuity Operations
2727-A Allen Parkway, 2D-1
Houston, Texas 77019
1-800/242-4079
Fax: 713/620-3139
or
P.O. Box 3018, 2D-1
Houston, Texas 77019-2116
How do you attain a Insurance License surrounded by Georgia?
Question:
How long do you have to lurk to get it... do you enjoy to go to conservatory. any info would be great!
Answers:
Life insurance? Casualty insurance? Health insurance?
Yes, you have to bring courses.
http://www.asisvcs.com/publications/html...
http://www.insurancelicenseonline.com/ge...
(Some companies will pay for your training if you are an member of staff ... )
Or to get answers to adjectives your questions:
http://www.inscomm.state.ga.us/insurance...
you dance to the georgia state insurance department website, and look for "producer licensing". It will tell you everything you own to know.
How will know if an auto insurance company is fraudulent or not?
Question:
what agency should i go to check whether if its endorsed or not?
Answers:
You can check a financial strength rating at www.ambest.com, if you can't find them, they aren't legit! You can ALSO check with your state insurance department, on their website, to see if they're admit to do business in your state.
Lastly, you can check through the local BBB.
Your BEST protection, however, is to ONLY purchase insurance through a local agent. Someone near a brick & mortar office, that you can step to when you have problems.
If you buy bad the internet, it's always "buyer beware". You can even be buying through a cyber- website, so when you check out the name, it SEEMS legit, but it's not really.
www.bbb.com
consequently type in the network address or whatever info you hold...if they are certified it will tell you what fradulant hustle and bustle they have done and how it be resolved.
Go onto the Better Business Bureau. You can search the company and see if they've have problems in former times.
Get the rating from A. M. Best's
http://www3.ambest.com/ratings/default.a...
You can input a company name.
Unfortunately, you do own to register first, but it's free.
Check online on your state's Dept of Insurance Website. Not only can you find out the legitimacy of the company, but also how oodles complaints they have and their AM-Best rating.
Hi
All the answers are righteous ones, my personal experience is that Best is too lenient.
I would walk to S&P.com and get the financial rating. Personally I wouldnt settlement with any company below A.
Then, verify agent or Brokers license. The License Registry is an affiliate of the National Association of Insurance Commissioners (NAIC). Be sure to procure your agents Insurance license number, it is often on business cards or letterhead
National Association of Insurance Commissioners surrounded by Your State. Go to the state web map to find information in the order of your agent.
legal routine that it is licensed to do business in your state. name the insurance commissioners office of step on line to the state trellis site.
They may also have complaint reports - which emulate people's satisfaction beside them as opposed to their authenticity.
Claims Adjuster Career Change?
Question:
I have be on the Claims Side of the Insurance industry for about 2 years. I work for one of the big ones handling Employment Practice claims. Lately I hold been getting more interested surrounded by getting out of the office, staying within claims but doing more of the appraising, damage assesment side. Whether it be cars, airplaines, ocean floor, fire, flood. I think I would really resembling to get into that. Any suggestions for companies I should look into?
Thanks
Answers:
Auto companies enjoy high turn over on adjuster/appraisers, especially the substandard carrier. Many of them are willing to provide training for the right competitor. Progressive does a good work of training. You need to look contained by your area to find out who have claim offices within the area.
Well, you're looking at an entry horizontal position, if all you've done back is EPL. Which means, not much salary, but you probably know that.
It's ALL about who you know. Start conversation to everyone you contact at companies, outside adjusters, other inside adjusters, and let them know you're interested contained by a switch.
How much would you settle up for insurance if you know they would not earnings what they agreed they would?
Question:
I paid contained by to Minnesota Life insurance from 1984 -2000 insurance meant to cover if a employed person of the family died just to have them shift to accidental loss 1 year before my husbands destruction.
Wisconsin Health Fund drops my husband health, go, prescription coverage when he becomes to not a hundred percent to return to work.
Blue Cross Blue Sheild refuses to settle up my migraine medication time and time again as well as dental, counseling adjectives medical bills of 2003.
Medicaid then refuse to pay analysis for my disabled daughter and other necessary wheelchair adaptation jepordizing my daughter life and resourcefully being the county and college help by charging truancy and suing me for cost shares even tho medical necessities are mortal refused.
Answers:
Suing insurance companies and establishment agencies are actually outstandingly profitable for attorneys. Insurance companies are legally bound to foot for the things are stated in the contract while that contract is still accurate. If you feel you hold legal grounds surrounded by these instances, you should talk near a lawyer.
I would send for your state insurance commission to have these things looked into. You may have need of to home school your daughter until you can bring back her the wheel bench adaptations she wishes to get to arts school. Medicaid is usually pretty good roughly making sure people own a wheel stool that works for them. I know they won't pay for electric if the being doesn't need it and as you would expect they don't build your wheel stool ramps or things for your house. Ask them why they are turning her down.
Nothing. I'd be in motion without.
Luckily, I'm not contained by the position you are - I'm CONFIDENT that valid insurance will pay valid claims.
But if I thought this be a one way street - I wouldn't take any insurance.
What do Insurance Industry corporate control do to instruct adjusters, concerning devout creed procedures?
Question:
I am specifically looking to find someone in the corporate government of a firm in the Insurance Industry (including lately retired individuals) to answer this question. Are issues of impossible faith simply a "cost of doing business"?
Answers:
Well, no, you don't factor within "bad faith" appointments as a cost of doing business. Your e&o carrier would HAVE A FIT.
Now, hang on to in mind, a MANAGER doesn't own to have a license to be an adjuster, but the ADJUSTER does, and to KEEP that license, you obligation to do continuing education surrounded by MOST if not ALL states, which would INCLUDE "accurate faith" updates. But the MANAGER doesn't have to do that if they aren't licensed.
Every company I've ever worked for have had a PROCEDURES guide, and the adjuster has to follow it. Plus, you document, document, document adjectives over the place. Things these days are set up so that most papers are scan before they to to the adjuster handling the claim - so one human being can't "bury" the paper.
And once a month, every adjuster (and underwriter, for that matter), have to fill surrounded by a form and send it to the endorsed department, which effectively requests any activities or potential e&o/good hope claims, or occasions which might front to a claim, that came up during former times month.
Does anyone know any insurance companies that present umbrella policies that cover punitive damages?
Question:
Wondering if anyone knows if any of the big 10 insurance companies volunteer an umbrella policy that covers a person against punitive damages within a personal liability lawsuit.
Answers:
You can't. It's illegal.
Even if you get one that SAYS it covers puntative damages, they aren't allowed to pay out - because the PURPOSE of puntative damages is to PUNISH the wrongdoer - and if an insurance company WOULD income on behalf of, then the wrongdoer wouldn't win punished!! So courts don't ALLOW insurance companies to pay puntative damages.
Traveler's Ins. Co. ---but you'll foot for it, for sure.
Do self assign workers obligation workers' compensation insurance surrounded by Nevada?
Question:
Answers:
As a Nevada insurance broker - being self employed does not be a sign of that you do not need to take workers compensation:
1) Certain licensing requirements - similar to contractors (electrical, plumbing, landscaping ete) the state of Nevada and the contractors board require you to get workers compensation in command to obtain the state license.
2) Be aware of some strength insurance policys in Nevada - for example: Health Plan of Nevada (HPN) and Sierra Health Services enjoy exclusions written into their Individual policys that state: If you are hurt while working on a "for-profit" basis the injury is excluded from coverage. In simple jargon, it means that on the profession accidents are not covered below their individual plans.
feel free to contact us if you own any questions
Generally speaking, you solely need workers comp if you hold over 4 employees or are within certain types of job like construction. contact your state's insurance division.
some liberal of accident insurance would minister to if you got hurt on the commission its not manditory unless you have workers
Insurance laws alter from state to state. For example, in New Mexico, contractors are required to pass Workers Compensation regardless of whether or not they have workforce, but other types of businesses (i.e. restaurants & retail stores) are only required to get it if they have three or more personnel (which is defined to include owners). I would speak with your insurance agent in connection with Nevada's laws. If you doubt what they hold to say, call upon the insurance department or go on your State's Insurance Department website.
I hope this information help!
If you have no workforce, you have no requirement for Workers Comp.
It would likely depend on the amount of work done. But I donno. Usually up to a undisputed amount is considered a hobby.
I only just have my compute serviced. If I set off it on, it wil not shift into hiding (I don't know the right permanent status, but
Question:
Answers:
That is called hibernation. You can adjust the settings through the control panel. Click Start, Click Settings, Click Control Panel, Click on display, click on blind saver, click on vigour saving features of monitor. Set the power assignment to what you want (home/office desk or portable/laptop), and set the time for the monitor and hard disks to step to sleep.
You want to adjust your computer's hardware settings. Then it will hibernate. You don't want sleep mode unless you are in an organization or somewhere that others might look at sensitive items. If you want sleep mode, find the control panel that deals near that and select it, then pick out the snag you need. Then, if it go to sleep, you'll need to type contained by your password. Otherwise look under spirit savings or some such article and select a protocol for that. This might be under display settings.
Does probing for Car Insurance drive you crazy?
Question:
Answers:
The problem with most motor insurance comparison sites is that they only compare price and not the cover. The switch is to understand exactly what cover and option you need back getting quotes. That way you can compare similar to with similar to on a level playing area. I tried the various comparison sites and found that the premiums differed when I go to their suggested cheapest insurer. I decided what cover I needed and did my own comparisons. I chose Swiftcover cos I didn't want adjectives the bells and whistles and save lb93. I used http://www.Confused.com, http://www.comparethemarket.com... and http://www.Moneysupermarket.co... I also used an insurance directory at http://www.uk-insurance-index.co.uk... which has reviews and company listings.
no
Confused.com
no, theres an amazing site call confused.com it can save you a bundle. josh, dads found your scoooootah
No. E vehicle on line.
aarrgghhh noooooooo
the pig face smiley bloke in that advert desires to die
NO i have USAA they are best ever
Try Confused.com
NO, I stick beside the same company,my coupé,house and contents are insured with them so I find a decent discount.
It doesn't stipulation to drive you crazy - there are several comparison sites you can use, eg confused.com, moneysupermarket.com and gocompare.com
You own to be careful though, as a great deal of these comparison sites put the lowest price policy at the top of the results list, which may not necessarily be the best cover or apply for you. Never compare on the price alone.
it can be without serve but it doesn't, check this out :
Insurancehelp101.com was created to connect you the consumer next to thousands of Agents and Brokers in your nouns providing affordable insurance coverage. By having brokers and agents compete for your business you are guaranteed to store. We do not require our visitors to discharge any fees or even have an existing insurance policy.
It is defining you remember that the cheapest isnt the best.You may try Lexus Insurance and be surprised at what they offer surrounded by coperation with Sun Alliance.They are thoroughly competitive and proffesional in their approach.You may enjoy to carry the first lb200 excess on a claim but i.e. reasonable contained by todays world.
No thats why you get an Insurance Broker to do the work for you!
No - I pop into my local insurance broker, enlighten them what I want and they provide it.
Problem solved.