Have you ever made a robustness insurance claim?
Question:
details please
Answers:
Yes, mine is a medical card which guarantee my hospitalisation and surgical claims. It also covers pre hospitalisation and post hospitalisation claim. It term as "Cashless Admission" implication I don't have to report for a claim as this is managed by my Insurer.
Technically I don't own to pay a single cent for my access.
It also provide me with post surgical specialist visit within 60 days after an operation.
Free medical checkup is also provided past I sign up for the plan.
So the medical card helps closely, as I don't have to fork out thousand of dollars for my medical bill.
Do you be a sign of, has anyone ever file a claim?
LOL that's kinda a silly question. Just just about EVERYONE who has strength insurance has made a claim - you travel to the doctor for checkups and shots. If you have kids, you budge to the doctor regularly.
Do you enjoy strength insurance?
Question:
May I ask how/how much you pay? and also may I ask how frail are you?
Answers:
yes, we live in PA and it's around 400 a month for the own flesh and blood, my husband's is paid for by his employer. i'm 33
This is a moot press. Health insurance premiums depend on whether you are in a group or not as economically as the condition of your health and the extent of the coverage. Age is newly one of the factors involved.
Guardian disability insurance question?
Question:
Is this a good policy? My broker say it's better than Aflac because it's non-cancellable and lasts until I'm 65 should I requirement it. He said that as a white-collar professional, long-term disability ins is important for me which I can think through since I need to protect my income. He give me a health questionnaire to swarm out. I'm not totally comfortable filling it out - is it standard to stuff one out and do a physical exam and bloodwork like they want? If I steal this policy, does this long-term disability ins totally replace Aflac (I have a 6 month policy through my employer). Does it create a difference that my broker is a proponent of the Lifetime Economic Acceleration Process (LEAP), which I think is hooey (I know LEAP is a subsidiary of Guardan)? Aside from that his description of Guardian disability insurance make it seem similar to a good choice among several (Met, NY, Std).
Answers:
He sounds similar to a Guardian agent, not a broker. Other "white-collar" companies that you should consider in your go through are Principal, Mass Mutual, and Met. Every company agent is trained well to go their product against the others whether its Guardian, Met, or whoever. They have a clear bias.
Guardian is a honest product, however, they have a BUNCH of disability products, so you entail to rely on your broker to compare and contrast the two different policies.
Yes, you're more likely to call for disability coverage than life insurance earlier you're 65.
It gets underwritten JUST resembling life insurance - they want to form sure that there's nothing wrong next to you NOW. Potentially, they could be paying out hundreds of thousands of dollars, so it is standard to do the exam & bloodwork, and even request medical records from your doctor.
Long permanent status disability is DIFFERENT from short term disability - typically it would own a 6 month waiting period - so you'd hang on to BOTH. The Aflac policy would cover the first six months, the Guardian would cover the balance until you're 65.
Sure, you're broker is going to be biased towards a few products. It STILL doesn't hurt to capture a quote from him, but while you're shopping (BEFORE you cut a check), you might ALSO want to call the guy that sell your house and car insurance, and ask HIM for a couple quotes. Just to compare price vs. coverages.
I reappled for long possession & short possession insurance at work and once again be denied. Is this LEGAL?
Question:
A few days ago, I received my letter denying me long possession & short term insurance coverage. The memo stated, "As you know, the insurance you are applying for is medically evaluated and certain vigour standards must be met to be eligible for enrollment. Another review has be made of the insurability applications you completed. Based on your condition of insulin dependant diabetes diagnosed 1989, it has be determined that our original result to deny Short and Long Term Disability insurance coverage cannot be changed. Other pertinent health history includes glorious blood pressure and acid reflux." The missive goes on to state I enjoy 90 days to appeal this decision. I must say-so I HAD this insurance and dropped it shortly after starting at The State of Texas. Does this mean I will never be eligible or should I face-off this with an appeal? I can brag and vote I don't call surrounded by sick (very often) and do a great job at work. I work 13 hour days and enjoy a 2 year old son!
Answers:
When the personnel pay adjectives of the premium or part of the premium (and body can waive out making participation smaller quantity than 100%) then the insurer will usually require proof of suitable health contained by order to become insured. This is without a flaw legal and adjectives practice. Whenever you have a pre-existing medical condition, you should never drop coverage until you are approved contained by writing for new coverage. Coverage is not guaranteed and worse, you very soon have a denied code registered next to MIB which is a warning to other insurers. Any means of access to get that other coverage reinstated?
Insurance companies own the right to reject you. It's not fair but that's how it is.
Well, unless there's some most important revamping of the law, or your employer change it's disability carrier, it's pretty feasible you will never be eligible.
Disability is NOT health insurance - so they don't HAVE to lift you just because you're part of a set of the group.
That's the problem with dropping some types of coverages - it can be impossible to get hold of them back. I don't believe you have any grounds for appeal on this, but you can try if you want.
Dude... Insulin dependent diabetes? Other than cancer, heart problems, or AIDS, in attendance is no condition that will get you turned down faster. There is no use on earth why you should appeal this. It's impeccably legal to deny you this coverage, and disability plans are one of the more difficult plans to qualify for medically. I've see 20 yr old women contained by perfect robustness declined for human being on birth control.
The thing is, these coverages are almost other offered to employees on a guaranteed issue principle, but only once. At the initial enrollment for adjectives eligible employees, and every year subsequent to not long eligible employees.
Whether or not you work 13 hour days, or enjoy a child will be completely irrelevant to obtaining coverage, so I'd exit that alone too.
The only opening possible I can see you obtaining this coverage, is to obtain a new commission that offers long and short possession disability, buy it in your first year, (to avoid robustness questions) continue to work for the company until you can port your product, (usually one full month's payroll deduction) and switch to a ridge draft, so you don't ever miss a payment. Never permit it lapse. The thing is, finding a post that offers this may not be natural, you'd have to spend several months at that chore as well to become eligible, enroll, dawdle for payroll deductions to start, and next wait an additional month. It's probably not worth it.
Unless it's guarantee issue, it is legal. If you really want coverage, check out Assurity and Lloyd's (Peterson International). Offers will hinge heavily on your even of control (high blood pressure and diabetes don't mix well FYI).
Good luck
Does anyone know a righteous personnel insurance company?
Question:
The office I work surrounded by, is a very small group of going on for 10 people. We do not currently doesn't enjoy health insurance. Is here any company that can present a package for such a small group at a fair-minded premium cost? We can really use some good front.
Answers:
Some companies will do groups as small as 2 lives. You'll want to visit a local independent agent who can acquire you quotes from several companies to find out which company would be the most beneficial for you.
FYI - in such a small group if even one party has crucial medical problems expect the premium to be much higher than if everyone be healthy. The insurance companies will underwrite a small group individually.
Well, my guess is you've GOTTEN some "fair" quotes, but as the group is so small, the rates are probably pretty glorious, comparatively.
Your BEST bet is a local, independent agency, who can shop out the group. Not all companies do business contained by all states, and you'll necessitate someone licensed to do business in YOUR state. And you didn't enunciate where you are.
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Health Insurance Help!!?
Question:
I need condition insurance coverage. especially for my prescription, I pay roughly speaking $200.00 monthly on my medication, Effexor, Birth Control, Acne Cream.
I need relieve on what type of coverage I need... I don't want to salary $200.00 for it and then enjoy to pay someother charge for prescriptions, I would rather pay packet the $200.00 for my prescriptions & not have insurance.. I want a coverage that I don't hold to meet a $3500 deductible back coverage starts. any advise? Thanks!
Answers:
Since you are taking Effexor you will enjoy a hard time getting an insurance plan that will cover you. Most plans, if they adopt you, will put a rider on the depression and probably the acne. A rider means they won't cover the condition or anything resulting from the condition (such as medication) for a term of time. This period could be from one year to long-term.
You should visit a local independent agent who can search out the plans to see what your options are. They don't charge any extra for the service. Don't try to do this over the internet because you won't know if a company will decline, rider, or increase the premium until you apply and budge through the underwriting process. If you are not sufficiently expert to find insurance there is a free prescription discount card that may back: http://drugcardamerica.com/index.aspx?af... Since it's free it doesn't hurt to try. I even have clients near insurance who say they acquire a better deal using the card than using their insurance.
You may catch answers here concerning medical discount cards. Be very secretive of these cards. They are not regulated by the Department of Insurance nor do the people that provide them need to be licensed. This vehicle you have little recourse when you enjoy problems with the plan. If you are tempt by the low price and claims of “save up to 80%” be aware that very few doctors if truth be told take these cards. It does you little polite if you have to drive 4 hours to find a doctor that will adopt the card. Montana couldn’t find any doctors in the unharmed state that actually took the card and one and only one dentist who was on probation for unlawful endeavours so they banned the Dutch auction of the card and fined the company. See this link http://www.insurancejournal.com/news/wes... for more information. Many other states are starting to restriction these cards as well.
Before signing up near any discount plan get a enumerate of doctors. If they won’t give you a document consider it to be a scam. Call the doctors on the list to clear sure they’re still taking the card (many don’t even know that they’re listed as a provider) and that they’re accepting up to date patients.
Well, an insurance company isn't going to take $25 a month from you and contribute you $200 back!! It's not the means of access it works!!
If you're healthy and 30, insurance is GOING to cost you $250 a month. But you're NOT forceful, you've got the effexor item going on. I'd expect you'd be lucky to find someone to give you coverage at $400 a month, beside no prescription coverage. Birth control and acne cream, well, you can recompense for those out of pocket.
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Can a personage formulate a claim against my insurance company for an stroke of luck that never happen? No police report.?
Question:
My son was driving my vehicle while out on a date near a young woman he'd met. He says that the woman get extremely intoxicated, started acting crazy, and jumped from truck while it be moving down the road at about 15mph. About a year and a partially later, the woman is making a claim against my insurance company claiming that my son run into a fire hydrant and now she have a neck injury. Of course the woman never made a police report because the police would enjoy wanted to see the truck, and hence would have see that there wasn't any devastate; but her claim is that she didn't make the report because she be scared. This adjectives happened contained by MN and my question is what can they do? Will my insurance wages this bogus claim? I am a little concerned because she has some attorney who have taken up her case.
Answers:
Turn this issue over to your insurance company and let them promise with it. Adjusters hold ways of gathering evidence to proof or disproof a claim. For example, if your son hit a fire hydrant, where on earth is the damage to your vehicle. Even repaired wreckage will display evidence when inspected.
As for the police report, the lack of one doesn't prevent her from file a claim and/or lawsuit against you.
I very much doubt they would rate, as there is no police report and no evidence that the luck happened.
Get as much proof as you can to rear legs up your son and keep it surrounded by a file. This is a he say/she right to be heard, so good luck! I don't conjecture your insurance company will pay her anything, however that doesn't propose she will stop at a denied insurance claim.
The insurance company will call and get hold of your side. Without a police report and no evidence (as long as it really didnt happen), they will likely put their own attorney on the travel case and fight it. Its possible they could other settle so as to avoid legal fees, but given how slam dunk this sounds, it seem unlikely.
I am sorry to hear that this is happening to you. Unfortunately, in that does not need to be a police report for an insurance company to money out on a claim.
The fact that this coincidence never happened desires to be brought up again and again with the insurance company. Make sure they know that this did not transpire as she says it did. Unfortunately when it is he said/she said, the insurance company may wages or not and they have every right below the policy to go any way.
My proposal would be to be adamant beside the company that this never happened.
I hope this help!
Other people cannot record claims against your insurance, only you can do that.
That said, if you acquire dragged into a lawsuit and want your insurance company to defend you, you'll want to file a claim. No claim, no insurer defense, no insurer defense, your insurance company will come to blows paying any judgment.
Hopefully you own a good auto and umbrella policy. Having pre-paid endorsed or a good relationship near a local attorney would also be helpful. Good luck.
You convey your adjuster that this is a bogus claim, she was drunk and jump from the moving car. Now, contained by many states, she'd still be eligible for "medical payments" if she saw the doctor after that. But your company is NOT going to do anything save for file it - and there's a GOOD indiscriminate they won't even take the claim report from her.
The attorney is probably her exotic boyfriend.
Insurance companies generally allow what's call a "claimant's report." Usually you see those where a human being was hit by someone and they want to claim it on the other person's insurance a bit than their own.
The good report for you is that you have insurance. The adjusters do business with attorneys adjectives of the time and they are not intimidated by the fear of a lawsuit. If she is going to engineer this thing stick, she have quite a bit of explaining to do. There are fairly a few things that she seems to be asserting that want to be proven before a claim will be salaried out.
I wouldn't get too worried nearly the attorney. They may go on a fishing expedition to see what they can attain. They will probably figure out that they are running into a buzzsaw and it will adjectives go away.
Your insurance company's claim adjuster will review the claim, and once he/she see that there is no evidence, later they will deny the claim. At that point she can either return with her insurance co to try to fight for her, or turn to court, both of which are losing battles for her near no report or evidence.
Tell your insurance company NOW about what is going on. All the insurance companies own fraud divisons that prove fraud and work to put people surrounded by jail that generate fraudulent claims. In some states there can be rewards to population who turn in folks that try to form a fraudulent claim. If you still have the saloon your son was driving, thieve a pix of it.
Good GOD! Some people should seriousley noy answer question unless they know what the heck they are talking almost.
YES. ANYONE can file a claim on your policy. It is up the insurance company to investigate and determins if here is any merit to the argument.
They may choose to pay to avoid permitted costs if they feel here is a reasonable karma they may have to retribution more. Sometimes setteling a case for 500 is better than going to court and paying attorneys 25,000. The best piece you can do is contact the adjuster, and explain your side of the story, they will appreciate your co-operation, ans make sure you sort a full disclosure to him. The abscense of a police report only damages her claim, she can still folder, and still get rewarded without one. The switch here is it is up to the adjuster and the company as to what they feel the best course of motion is. They dont need your green light to pay a claim any.
Kid Care Illinois Question...?
Question:
I pay non-court ordered child support to my ex along next to paying for my daughters medical insurance. I found out that my ex has my daughter enrol in Illinois Kid Care, which is a form of public assistance. Does anyone know ample about this program to detail me if I am wasting my money paying for her health insurance. If I am, I would much to some extent put that money into a college savings program for her. Any thoughts?
Answers:
It sounds approaching you and your Ex Wife are on cordial terms? My opinion would be to try and track down more information about the program through the state of Illinois website. Once you form a group some information, have a "Cordial" conversation just about the well individual of your daughter and how much better it would be for her if you started putting money towards college for her.
If the Illinois Kids Care is anything like the New Mexikids program we enjoy here, then it WOULD be a excess of money to pay for strength insurance. Each state is VERY different so you may want to get on the phone near the State agency in charge of that program and see if they will offer you info on your daughters case. or at least possible answer general question about the program.
I hope this help!
You'd better be quiet and say aloud nothing! Non-court ordered can turn into court ordered next to one stroke of a pen. Keep that in mind.
Probably you are NOT wasting your money. The KidCare program is probably SECONDARY - picking up any copays and deductibles, where on earth YOUR policy is paying on a primary basis.
Aflac Short residence disability Question?
Question:
I sent in my disability paperwork for Aflac. I am currently 9 months preg and vanished work on July 2 for my 4 wks of disability before the little one. I just received my denial communiqu from Aflac for my short term disability. I am terribly angry and feel close to I have be lied to. This policy was and is supposed to cover me thru my pregnancy. The solely limitations that are stated is that if I am preg before my policy begin I am not eligible.Well I signed up over a year ago and my one year anniversary is Aug 1. I have not have her yet.
Can anyone notify me why I would be denied..My letter states something just about me not having any complications beside my pregnancy, that has nought to do with my policy.
Help
Answers:
Your policy also - more than predictable states that there is a 9 month loaf before you can go and get pregnant - for the policy to pay for common maternity disability - however, if you enjoy complications it may pay.
This is the problem beside these indivdiual products that are sold to groups - the employers requirement to get rid of this type of coverage and move to "true group" which does not own wait period except for pre-existing conditions.
You need to read your policy scrupulously. If you have a local agent, I suggest stopping by to walk through your policy with your policy executive. They can give a hand you sift through all the insurance idiom and help you get the message this letter.
I'm wondering if perchance your policy does not consider pregnancy and post-pregnancy down-time as a "disability." That might be why they wonder if you were injured during child birth. I know for a certainty that not all states allow women to clutch short-term disability leave to cover pregnancy, birth, and postpartum seizure. You need to settle to the person who sold you your policy asap.
I am a licenced AFLAC agent. If you contact me directly, I would be joyous to try to point you in the right direction.
Martyn Whitby
OK, what's the disability you're claiming? Pregnancy isn't a disability, contained by and of itself. Normally, you can work until you give birth.
Sounds similar to you're being denied, as you don't own a "disability" with relationship to this pregnancy. In other words, it sounds similar to the 4 weeks off formerly the baby, be VOLUNTARY, and not medically necessary. THAT'S why they're past it.
It would be a different matter if you be on doctor ordered bedrest.
I'm not familiar beside AFLAC, but as a general rule inside all disability companies, pregnancy claims start off on the date of delivery. Any claim for time since delivery must be medically neccessary (such as emergency bedrest for multiple births or other medical issues). This is call "complications" of pregnancy, which sounds like what your memo is stating. You will be eligible to file your claim for benefits when you deliver, but unless your physician have required this time off before-hand you will not receive any benefits for this 4 week hand down of absence. PS: I have two children and worked up to the date of delivery. I know it's tiring surrounded by the last weeks but that is to say normal pregnancy, not a complication of pregnancy. Good luck!
How can i win a copy of my house ins.rotten the internet?
Question:
Answers:
Try your insurers website. If they have a customer nouns that lets you sign contained by and get your policy declaration page or a copy of your policy. Your company may keep copies of policies contained by the state filings, you'll have to search out your states' DOI company filing nouns.
That said, company policies vary by state and are confidential company information. Your declaration are your private information, so you won't find this published for public viewing.
You could just send for your agent.
try www.ilostmypolicy.com
or, you could call your agent...
Do you niggardly a copy of the policy booklet? If so, you should be able to download a copy of that from the insurer's website.
If you want another copy of the actual policy document (which is personalised to you) later you'd need to contact the insurer or agent.
You can't. It's private information, and companies don't post that private information where on earth hackers can access it.
You'll have to hail as your agent, and ask them to MAIL you a copy.
How hoary do you hold to be to work at State Farm Insurance?
Question:
Answers:
Depends on what you want to do. If you want to sell, you own to have a license, and most states will require you to be 18 in the past getting an insurance license. If you want to file, you can do that when you're 15, after academy a few hours a week.
16 I guess? Same as any other company I would imagine.
Actually surrounded by most cases it is up to the agency owner. Most states by law require that you be 18 to find a license. Some agencies only allow licensed nation to be employed. Some will allow a non-lic person to answer phones and report, but chance are you're looking at 16-18. more than plausible 18 and pass the check and get you lic.
What experience do you call for to work at a mortgage company?
Question:
Answers:
If you can fog a mirror with your heat up breath and lie to your mother in need batting an eye or losing sleep, you should enjoy a long and prosperous career as a mortgage broker.
company for comncation
None. But no experience get you a not much more than minimum wage clerical job.
What do you want to do at the mortgage company? If you want to be a mortgage consultant, you're going to entail experience. Some companies might hire you without experience, but I doubt it - near are lots of out of work people who enjoy experience who are looking for jobs, and they'll bring the job past someone who needs to be trained.
My husband have been a branch negotiator in a mortgage company for over 20 years - he never hires mortgage consultants short experience.
Insurance serve!?
Question:
if you get taken rotten of your parents insurance at 19 and in college or not are you still competent to leave at 18?
Answers:
Do you imply that if your parents insurance would cover you until age 19, can you still choose to be taken off the policy at age 18?
If that's what you're asking, the answer is yes. Your parent could agree to the benefits office at their employer know that they want to remove a dependent from their policy.
Something to consider - if your parents enjoy family coverage, it might not if truth be told be costing them any more out of their paycheck to keep you on it. In that travel case, I'd say a moment ago stay on the policy as long as you can.
(A possible exception would be if you have more than one insurance policy and the coordination of benefits is a hassle for you.)
sorry but i do not fathom out your question. you can make tracks the home whenever you wish. explain more
Leave where on earth?
Under most insurance plans, you're off your parents' coverage when you turn 19 unless you're still within school (high university or college). If you're in college FULL-TIME, you can remain on the coverage until age 23.
You have to be a legitimate dependent, however, to remained covered by the insurance during this time. Your parents have to be capable of claim you on their income taxes.
?? Are you talking form insurance??
Whether or not you leave your parent's home have NOTHING to do with insurance. You can confer on at 18. When you leave, and are no longer their dependent, their insurance doesn't cover you.
What can I expect for robustness insurance costs as an precipitate retiree?
Question:
I'm 35 now and plan to retire around 40 or 41. I'm not exorbitantly rich, though; I've simply saved adequate to support my expenses and will do what I want instead of going to work every day.
What I don't enjoy a good switch on are my options for robustness insurance (before reaching age 65 and Medicare, or whatever age at which Medicare will be available surrounded by 30-40 years). Are there any contained by the industry who have see similar situations and have suggestions give or take a few what to expect?
Thanks,
Doug
Answers:
First and foremost, you need to manufacture sure that you can qualify for an individual policy. In most states (Nevada here) Individual Health Insurance is not guaranteed issue. This means if you hold pre-existing conditions, you may not qualify.
Second, the coverage will be very sensible ($150 - $350 per month) till you hit the great age of 50 - then rates really start going up.
If you are surrounded by good condition, you should consider looking into Health Savings Account qualified plans - lower premiums and protect you from catestropic events. If you choos to open the HSA - you can fund the sketch with pre-tax dollars and settle up for qualified medical expenses tax free. This is also a great financial vehicle to release for future medical expenses.
In your situation, this may be a accurate option.
I hope this help
do not worry man . only just plan your life within your means next to happinesses . for family ..
I know greatly of retired folks in their 60's who settle well within excess of $1000 a month for insurance. While nobody knows how much insurance will cost contained by the future, inflation within the medical industry consistently outpaces the CPI. You should seriously talk beside a fee-only planner to get a honest understanding of this and work out a plan that fits.
Good luck
Well, if you're 40 and robust, you can plan on spending about $400 - $450 a month for robustness insurance. Every time you enter a new age bracket, it will travel up.
And once you hit 55 or 60, OR, if you develop a "condition", it's going to be really hard to shop around, as most other carrier won't take you on. it's not unrealistic to be budgeting $900 a month when you're 64.
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with the method things have be going in the US I dont know one-sidedly I dont wanna know. Probably not good. I would suggest getting something resembling a discount program instead of insurance or to use on top of insurance. I use one explicitly awesome it covers my whole household and is completely affordable, about $39.95 a month for adjectives of this
Dental
Vision
Coast to Coast
Amerisight
Prescription
Medco
EZ Meds
Chiropractic
Physicians
Primary Care
Specialty
Hospital Advocacy
Mental Health
Let's Talk Counseling
several ntwk providers
NurseLine
Wellness Program
Infuse
Ancillary & Elective Services
Epic
Hear PO
AHAA
Cosmetic Surgery
Diabetic Supplies
Diagnostic Imaging Radiology
Physical Therapy
Astrum Hearing
Medstat
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Insurance costs for general public near singular 1 child?
Question:
In your state, how do insurance costs differ for people next to only 1 child?
Here within NY State, I was lucky ample to be eligible for Child Health Care Plus for my son. I am a single parent. I paid a small premium respectively month. I had insurance through my job that paid contained by full for single insurance but it cost a fortune for family coverage. What I thought be unfair be that people near 1 or 2 kids paid indistinguishable premium each month as those who have a slew of kids. I felt the cost should be staggered.
Answers:
Are we conversation about strength insurance here??
Or insurance in nonspecific? I hear all the time, "Oh, my house is 13 foot from a hydrant, I deserve a lower rate than the guy who's house is 18 feet from a hydrant subsequent door". But the truth of the matter is, it COSTS MONEY to set rates, and in that has to be a cutoff somewhere.
MOST companies own "individual", "family", "individual and spouse", "Individual and one child", so that the rates for family ARE more than one party and one child.
But the bottom line is, condition insurance is EXPENSIVE. Because you're pretty darned guaranteed to get at smallest 2-4 claims EVERY YEAR on it.
Regardless of the state where you live, rates are typically 4-tiered:
single coverage
2 adults (employee + spouse)
1 mature + child(ren)
family (married couple and child(ren))
Generally, you do not remuneration more or less depending on the number of children you hold.