How can i take someone to compensate me for my medical bill they cause?
Question:
Guy sent me to the hospital and i have no insurance. He initially said he would reimburse for it but now say he wont. Is there anyway I can threaten him or procure him to pay up?
Answers:
It depends on how he sent you to the hospital. If it be involving a vehicle, you can file a claim against his auto policy. If he negligently hurt you, or you tripped on his property, you can folder a claim against his homeowners/renters insurance. (If he has an insurance.)
If he harmed you purposeful, then insurance doesn't cover. You can pilfer him to small claims court and try to prove he caused your injuries and that you didn't contribute to this. However, even if you win your covering, you still have to collect from him. And i.e. harder than winning a small claim baggage.
small claims court is easy to sue somebody within.
you pay similar to $20 and they send the personage a copy of the lawsuit, saying show up and uphold yourself or else.
repeatedly just file is enough to gain a person to cough up the money.
SUE SUE SUE...in good health it depends on the amount of $$$ and the damage they cause to you.
well if he really is at error then I would enjoy to agree that you need to lug it up in court. Don't caution him either! Give him one end chance to repay and then do what you gotta do! Thats existence
I hope you win...he should have never agreed to discharge for it..and then hindmost down on his word. TAKE HIM TO COURT!
Yep, sue him.
If you don't sue him and win, he has no responsibility to pay.
I'll agree beside everyone on this. If applicable file a claim near insurance company. (assuming it was a vehicle accident)
If you were hurt on their property, wallet a claim with that insurance company.
If it be like a banister fight.. best course of movement. SUE!
1 thing. Even if you sue and win. adjectives you have is a judgement, not actual money. Then you enjoy to try collect that judgement. thats a whole nother story.
Hopefully he have some sort of liability coverage that will pay..
sue him IF you can prove he did it.
Medicaid coverage for out-of-state college student?
Question:
will my state's medicaid insurance still cover me if i move out of state for college? or would i have to go and get an outside insurance?
Answers:
Medicaid will only cover contained by your state. If you move out of state you will need to apply near that state. If you are going to an out of state college but not changing your state of residence you'll own to go vertebrae to your state when you need medical effort.
Many colleges have a plan available to students. It is not intensely comprehensive but the premium is very fine (such as $80 - $100 per semester).
No. Medicaid doesn't cover you outside of your state that you receive it in. It's run by respectively state.
As a CSR for independent agency, how tons time off, sick, personal, and holidays do you return with? (For comparison)?
Question:
Answers:
I've been at my agency for 13 years. I capture 3 weeks 2 days vacation (I started near 2 weeks, got 3 weeks at 6 yrs, will max out at 4 weeks at 20 years - we earn one extra time off day every 2 yrs from 10-20 yrs & we procure a "bonus" week at 25 years & can take up to 5 yrs to use the extra 5 days), 1 personal afternoon, 6 sick days. I get New Years Day, Presidents Day, Memorial Day, 4th of July, Labor Day, Thanksgiving & the Friday after & Christmas Day. That's it. Also, our agency singular pays 50% of our health insurance premium!!
from 1997-1999 at an agency within connecticut i got 5 leave, 5 sick days, and 2 personal. they did not accrue over the years...anything above and beyond that was unpaid go away. i did get 3-5 days for bereavement (funeral of loved ones, need documentation). at other agencies i hold worked at nothing be ever formal, we just worked it out as it come up, no paid leave, but i did get compensated sick days.
Once a CSR has be with an agency for a year, they usually achieve 10 vacation days, and 3 personal/sick days (combined), plus the state holidays - I construe there are 7 of them.
I've get PTO (paid time off) a couple different ways.
1st Agency - did 5 days (3 sick , 2 personal)
---after 1 year, 1week vacation. 3 years 2 weeks.
the other did 2 weeks PTO after 90 days, use them as you approaching. i guess they both ended up individual 2 weeks total... just different set up.
If I incorporate my small business, can I buy vigour insurance that will cover a pre-existing condition?
Question:
I really want to start my own business, but can't leave my employment because I need the vigour insurance. Although I can buy private insurance, it won't cover pre-existing conditions. I have two that require pills, but probably nothing much beyond that. If I form a corporation, will I be capable of buy private insurance that covers my pre-existing conditions?
Answers:
Each state has different law governing the insurance carriers within each state. That self said, it is likely that you can find a small group plan, and your pre-existing conditions would be covered immediately because you can prove continuous coverage, (employers plan.) Most predictable you would not need to be incorporated, and would not stipulation to purchase COBRA coverage if your effective date on the small group plan dove-tailed near your last time of employment.
That's the good word. The bad report is that, in standard, group insurance rates are about double that of an individual plan. If at adjectives possible to obtain an individual/family plan, (even next to a waiver or two,) I would consider this. If your pre-existing conditions are not too serious or expensive to maintain, it may okay be worthwhile to purchase an HSA, (Health Savings Account,) qualified plan, paying for any medications/office visits beside pre-tax dollars.
no insurance provider will cover an existing condition, they can see they will lose money!
they might cover you only if in attendance are no previous record of this condition getting contained by your way of any work etc. and dont recount them.
Pre existing ?
I know some group insurance covers that. Business group insurance works differently but they require a minimal head count of at most minuscule 12 people contained by group.
There is no underwriting requirement if the group is substantial enough
Yes, it is possible but have nothing to do near incorporation. There are some insurance companies that will insure a group as small as two employes. This means you'd hold to take COBRA from your current employer if it is offered. This will guarantee your untried plan will waive the pre-existing conditions. If you can't get COBRA this may not work, depending upon the condition. Start your business and hire at lowest one full-time employee. Get the modern insurance for your company in place (if they'll appropriate you, with a small group it may be intricate to get official with pre-existing conditions) and end the COBRA.
Any individual policies will likely own the pre-existing conditions clause or may rider or decline you based upon the condition.
Nope. In establish to get a group that covers pre-existing conditions, you enjoy to have at least possible 25 employees. Groups smaller than that are underwritten and priced base on the health of the member.
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How do you plan your typical time at work?
Question:
Answers:
1) Show up late.
2) Piss sour claimants.
3) Pocket extra money.
4) Drink
Make my to do list the dark before. Start mark them off the subsequent morning. I feel self-satisfied when all is complete. Jennifer
Hello honourable morning
Due to my job's nature I will set my afternoon in the following comportment
Morning : Meet customers and Prospect
Lunch : With customers
3-5pm : Paperwork and Calling prospect
Evening : Dinner with customers
Night : Prepare for tommorow
Pretty much show up. My livelihood doesn't care in the order of anything else other then showing up and have you move like a robot.
I own a list. I finish rotten yesterday's list first, if I can. I KEEP the list forever - in defence of E&O claims, it notes who I've talk to, about what, etc.
For me respectively day is for a moment different.
1. Prepare deposits, answer emials, answer v-mails.
2. prospect.
3. Answer UW requests
4. prospect
5. prepare mail
6. marketing
7. answer any vmails, and emails
8. prospect.
9. review financials for the year.
10. Call my fave bar and tolerate them know i'm on my way downstairs, and to shift ahead and pour one.
11. prospect at bar.
ok true up to # 9 - The rest is the things i never obtain to!
In between all that.. put out fires (problems beside poicies) take payments, write policies, and answer question.
I prepare a to-do list any at the beginning of the week or the start of the light of day. If I'm very busy and I don't consider I'll be able to do every favour that day, I number them contained by order of priority.
My Sister's Son died and she is have a knotty time collecting from Insurance Company?
Question:
My Sister is getting the run around, Her son had a Insurance policy when he died, within Oct 06. She is being told it be just unintentional insurance, But will are pretty sure it was Term. and they are newly trying not to pay out, and not relating her the truth. He was paying to much for it to be totally unplanned. I checked by calling the company and asking for insurance for my own Son with like peas in a pod age. They said they don't advise inadvertent Insurance, at that age, Term would be better. What should I do to help her?
Answers:
All you obligation is a copy of the policy. It will tell you exactly what is covered. Companies don't commit fraud close to you believe. They have road too much to risk beyond payment of one simply policy.
ask for a copy of the insurance that he file for. if they wont give it to you afterwards get a attorney
I remember a case we read surrounded by law academy where an insurance company stiffed a claimant for a relatively small amount, perchance $30,000 or so, and the claimant got so exasparated they hired an attorney and sued for...I expect it was Intentional Infliction of Emotional Distress...and won...and won BIG, I don`t know a million bucks. Not that I am saying your sister should sue, but she should articulate to a lawyer, in principle soon.
You did not mention having possession of the policy.
That would clear up things.
Request a copy from the Ins. Co.
Insurance companies do not ordinarily fabricate things. They would have to answer to the State Board of Insurance. That would not be a remarkably happy scenario for them.
I really doubt that this company is trying to defraud you.
Get a copy. If you can't attain a copy contact your states "insurance division"......
Is she the executor of his estate? She will need to any 1. get a copy of a cancelled check to the company or 2. locate a copy of hte policy, and write to the state insurance commissioner.
She can ALSO request a copy of the declination contained by writing from the insurance company - and she should, so she can mail THAT contained by to the insurance company.
I seriously doubt they're lying about occupancy vs. accidental demise, but you never know. Dragging in the insurance commissioner will brand the insurance company produce the documents for THEM, and answer the questions.
and, hold in mind, a short time ago because it's "accidental death" does NOT anticipate it's "cheaper than term".
Cobra coverage between job?
Question:
I will be giving my current employer their 2 week notice inside the next week or so and I will be taking a current job promptly. My new employer offer benefits once I have be with them for 30 days. I hold heard something like people who enjoy found ways to avoid paying Cobra during this lapse, is that possible, and is it legal? My wife is 4 months pregnant and I don't want to pilfer any chances next to having a lapse contained by coverage and the new policy not picking us up due to a pre-existing condition (pregnancy)... gratefulness for your help.
Answers:
It's a long, drawn-out answer but yes, at hand is a perfectly allowed way to avoid paying big COBRA premiums.
By law, you must receive the COBRA notification and enrollment form inwardly 14 days of when your medical coverage terminates (usually your concluding day of employment).
Once you enjoy that notice, you hold 60 days to decide whether or not you want to elect COBRA. If you agree on to elect it, you send within the enrollment form. You then own 45 days (from the date you turn in the enrollment form) formerly the premium is due.
If coverage with your current employer becomes influential after 30 days, you should already be covered by the new plan long earlier you have to return the COBRA enrollment form.
With this scenario, you've get about 30 days when you're not covered at adjectives (because your old coverage is terminated and unknown coverage hasn't started yet). If it's necessary for your wife to see her doctor during this interval, you might be in a situation where on earth you'd have to money ONE MONTH of COBRA premium, but that would be all.
By playing this "waiting game", you'll merely end up paying for COBRA if you own claims during the period of time when you're within the waiting period for your spanking new coverage. One months should be the maximum you'll pay.
As far as your wife's pregnancy one considered pre-existing under the unusual plan, IT WON'T BE. Under HIPAA law, pregnancy is not considered a pre-existing condition.
Other medical conditions won't be treated as pre-existing, any, as long as you do not have more than a 63 morning break in coverage between your aged medical plan and your new one.
Good luck beside all of it, and next to the new toddler!
I've paid for Cobra a couple of times. I haven't hear there be a way to seize around it, but since you'll only entail it for 1 or 2 months, I don't think I'd thieve the chance, unless someone else can inform you what you can do.
I did realize recently though, after mortal on my current job for 1 1/2 years, not a soul ever asked me for evidence of continuous coverage. Of course different employers might change.
The only track I know to avoid paying cobra is if your employer automatically covers you thru the end of the month after you hold left...
When I departed my job because I moved I moved out on Feb 6th but my benefits continued thru Feb 28th because my company continues the benefits because you always are paying ahead, so I have already paid for the month of Feb at that point.
So the best item to do is specifically ask before you give when the beneifts will terminate. Also construct 100% sure of the day that your benefits will start...you read out after 30 days but the way it usually works is that it starts on the 1st of the month after your 1st 30 days of employment...for you it sounds close to you will be starting sometime in the 1st week or 2 of August, this could stingy your benefits won't start until October (the reason they do this is most carrier will not let them add on a person within the middle of the month due to having to prorate and i.e. just too complicated for the insurance carriers).
I would read out having a wife i.e. pregnant it is very big to invest in the cobra coverage, if your insurance does not see in until October she will be 7 months pregnant and explicitly a lot of visit to miss due to no coverage.
The pregnancy would not be considered a pre existing condition because you would have a HIPPA pass from your former insurance carrier...insurance carrier are required to cover an existing condition as long as it was diagnosed while coverd beneath another insurance plan...so if you had diabetes and changed job your new insurance must cover it because you be covered under the old-fashioned plan. Once caviot to this is say your wife be diagnosed with a pregnancy complication while uninsured, costs related to that complication would not be coverd (so if she have to have a c-section because the doctor discoverd a 2nd go before while you had no insurance they would probably deny the cost of the c-section and just pay the cost of a vaginal delivery).
Cobra is sooo expensive. My presently husband and I had to bring back married just so he would enjoy health insurance. We have already been together 10 years. His cobra payments be 600.00 a month and we also paid 200 a month contained by co pays and extra for prescriptions. I know our local health partner has a program for personal insurance. Maybe you could purely cover your wife until you get your insurance through the untried job. Call around and check into some clinics womens clinics which will see her until you hold insurance. There are a few locally here in my town, you may enjoy one close too.
You will not have to verbs about a pre-existing condition one placed on you if you do not take COBRA - as long as you do not own a lapse in coverage of more than 63 days it is a federal decree that pre-existing limits can not be imposed.
In totting up, you normally hold 45 days to elect your Cobra - once you elect it, it goes subsidise to the day after your coverage concluded with your previous employer. This way that if you incur an accident, or some medical claim during the Cobra see period, you can elect the Cobra and the claim will be covered.
Make sure you verify your unmarked employers dally period - sometimes they read out you have a 30 year wait... but the route it words is "first of the month following 30 days of employment". In this exampler, if you start on the 5th of August - you would not be eligible for benefits until the 1st of October.
http://www.dol.gov/ebsa/faqs/faq_consume...
Hope this helps!
Christie is 100% correct. She give a great answer!
I'd like to reiterate that, underneath HIPAA, pregnancy can NEVER be considered a pre-existing condition, even if the woman didn't have previous group coverage. So you're undamaging re: that aspect of your concerns.
Truck Brakerage contingency stowage insurance?
Question:
I am about to buy some insurece for my Truck Brokrage what do i want to look for when Buying and what are some good providers?
Answers:
OK, all right, it's not like providers are falling adjectives over themselves to insure truck brokerages. They aren't. It's a VERY hard to place risk, and it's NOT CHEAP.
Your issue is going to be, who is WILLING to get rid of me this coverage, NOT, who's the best. Because you'll be darned lucky to get two different quotes.
You want to look for an AGENT that has TRUCKING INSURANCE experience. They can explain the coverages, the exposures, AND they'll enjoy an idea of market who might be willing to quote you.
But you call for to do this through a local, independent agent.
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*10 points to first experienced answer* Insurance put somebody through the mill? Body shop problems..?
Question:
I have a vehicle that has lay waste to to the body and a small corner of the bumper.
The body shop my insurance picked wants to paint element of the bumper and clear coat the whole item.
This makes one side of the bumper game the body and the other side darker than the body (because thats the passageway it was prior to the coincidence...car manufaturers problem) Only because the specific color is rock-hard to match.
So, what are my option??.the body shop wants to do the repair instead of sculpture the whole bumper to build it even.They said they'll blend but admitted it would diverge on one side than the other.
Do I have the power to amendment body shops once I've accepted one? My motor has not be brought in on the other hand to begin the repairs...
The body shop said they will hold to check with the insurance company to see if they can paint the intact bumper but what do I do if the insurance company says no?
Answers:
First, you enjoy the choice to select the body shop you want, except for in a few set circumstances. There are policies out there that require screening of a company shop. Usually you got a discount contained by premium for this, and the company guarantees the repairs. If this isn't the case, you can pocket it where you want. That said, the company merely owes the reasonable cost of the repairs. If your shop wishes to charge more, the company doesn't owe the difference. Take the estimate to your shop and see if they can do it for that cost.
Next, I am not sure I understand the problem next to your car. Are you dictum that the bumper cover is a different shade from one side to the other, but that the vehicle panels are alike shade? If this is the case, it wouldn't be paid sense to attempt to blend color differences on the cover. It should be cheaper and easier to paint the whole cover, and consequently everything would match.
If you are dictum that one body panel is a different shade than the other, then the best preference might be trying to blend on the bumper. It isn't usual to do this, but it is an option.
If one side be darker than the other prior to the fluke, due to the manufacturer's screw up, what's you're problem? It seem the body shop and insurance company is willing to create the car as it be originally, which in today's world other. If that's the case, perchance you should negotiate a deal next to the shop to do the rest of the bumper to your spec's.
In my experience in these matter is that you have the final voice where you steal your car. The insurance company have pre-approved shops that they like you to embezzle it to but you can pick your own place. I took my truck to a friends shop that was not on their account and all we did be meet one of their adjusters at the shop and they did an estimate. My friend put within their bid and the insurance company okay-ed it.
I have have 3 cars repaired in times gone by couple of years and twice the bumper cover was fixed and blended and you can't even communicate. Both of the cars had ingenious paint that was at lowest 10 years old but the shop made the paint to meeting. You might want to call around your nouns to some of your local body shops and get nearby opinions and suggestions just about this. I hope everything works out for you.
You call your agent. Let your agent operation with this.
I would NOT want my bumper two different colors.
Yes, you can switch body shops.
As long as it is not specified surrounded by your policy, you can take your coup¨¦ to whatever shop you want. What company do you hold that won't paint your whole bumper? It is singular a hundred or two hundred dollars difference. If your car is unsullied, then they should try their best to clash the paint even though it is impossible to match factory paint exactly. I am sorry to report you though that if your insurance company stands firm on this, there is not much you can do. It might be worth it to you to pay cheque the difference to have the unbroken bumper painted. I would put up a big stink with the claims commissioner and possibly get your agent involved. Most feasible painting partially a bumper is not worth losing a company.
How and where repairs can be made is determined by state decree (first) then policy expressions. You didn't mention where you are from; surrounded by Ohio you get to choose the body shop and receive the choice about OEM or aftermarket parts. Find out what the satchel is in your state. Another consideration is who cause the accident and which company you're file the claim through. All this can be determined by asking your agent. Bought from the Lizard? a website? the cartoon chick? You're boned because in a minute you need a concrete agent.
Here's what I did the last time I have a repair: I chose a bodyshop of my own and have them do an estimate of fine art and repairing using NEW OEM parts. This will generate the highest estimate. I turned this within and demanded this get done. The claims adjuster have a cow, then I negotiate what I wanted done; your negotiation strength is the competency to agree to cheaper repairs: Used OEM parts, aftermarket parts, insured approved repairers, agree to these if you get what you want, otherwise bring the most expensive repair done.
The insurance company's duty is to return the car to pre-accident condition. If within were different colors/shades since, that is adjectives you can hope for after. You have the right to run your vehicle anywhere you choose. That said, the insurance company only owes a rental for the sound amount of time to repair the vehicle based on their estimate. If you start jump shops, you will likely be forking over for the close of the rental.
PS I have written frequent estimates, and if the bumper cover is plastic, it will never perfectly clash a metal body panel, even if the same delivery of paint is sprayed on. The difference is barely perceptable, and be there pre-accident, but populace tend to fancy themselves color experts after an accident (when they didn't bequeath a flip before).
My father purchased a burial policy within 1986,facade worth is $1765.00.Shouldn't this be salaried sour?
Question:
My father purchased a burial policy in 1986,frontage value is $1765.00.Shouldn't this be rewarded off?And except should he be making payments of 99.00 a month on a policy that was probably remunerated off?he be paying $9.05 in 1986 and as of 1997 up to 2005 I see check stubs for payments of $99.00 a month on a $1765.00policy is this lawful?
Answers:
NO. The face appeal is the payout amount.
A burial policy is a small whole natural life policy. You pay that premium every year, YOUR WHOLE LIFE. Well, most companies stop charging you for it when you're 90 or 95.
I'm sure it's decriminalized. It's probably just a "unpromising deal". MOST whole vivacity policies are bad deal.
I surely wouldn't be paying $1200 a year for a $1700 policy. He's throwing good money after discouraging, IMO, and would be better sticking the cash surrounded by a mayo jar under the bed.
This is permitted. He does not have plenty in the policy to bury himself or anyone else. This is probably a adjectives life policy. He may not own more than a couple hundred in brass built up.
Yes,$99/ month is ridiculously high. Unfortunately, the agent who sold him the policy is still self paid. This policy make more money for the company that it will EVER help your dad. Get rid of the policy, after getting adjectives the cash out. Then check into other companies to acquire a burial policy.
It is perfectly decriminalized.
In insurance the amount of money that you pay monthly have nothing to do near the benefit you will get.
For example, if I would rob a life insurance policy (for 100000) and compensated 80.00 a month, if I die in two weeks, the insurance company will settle up 100000 regarles of how many payments did I made.
By impossible to tell apart token, when a person lives for tons years, his/her payments might add up to more than the insurance frontage value (the money compensated when the insured dies).
It is hard to inform what kind of policy did your father bought, but I can breed an educated guess.
Since he took it surrounded by 1986 at 9.05 a month and the price rose to 99.00 20 years later, I would ruminate is called residence insurance.
Term insurance is low cost (when you start) and the price is guaranteed to stay the same for several years (in this case, probably 20). After the guaranteed spell is gone, the price goes up usually per annum. The only problem immediately is that your father is 20 years older, so getting him another policy might be really not easy.
Best advice: Talk to his insurance agent, and be sure to read the fine print on every policy you filch.
By the way, I own read that someone said that this is a whole duration policy. Whole life policies are designed so their payments never travel up (unless you increase the amount of benefit). So that's why I think it can not be a intact life policy.
Does marijuana use increase insurance premium?
Question:
Answers:
It is illegal and your application will be decline.
Surely you aren't so stupid that you would tell your insurance agent that you are smoking marijuana. It won't affect your insurance premium but it could environment you in send to prison for a good long time. In bag you don't know, it is still against the law. That is, unless you are an illegitimate alien, then it's probably okay but you wouldn't hold to buy insurance anyway.
If your insurance agent knows you smoke, your premium might not be your worst problem. But I doubt they hold provisions for it.
What TYPE of insurance premium? If you declare it, you're not going to grasp anyone to GIVE you insurance.
If you have an twist of fate while under the influence of any drug your insurance may choose to not cover the accident/incident. The object the police do drug tests after accident is to check for anything that could have impair your driving. Then after getting a DUI your insurance may be dropped or raised sky large.
Keep your mouth shut, and don't drive while impaired.
How do i step roughly speaking getting a existence insurance policy for my brother,he have none contained by travel case he pass away?
Question:
my brother has be very sick for a year and hes not getting much better,he has a babyish son.i want him to have life span insurance in grip.i would pay the premiums.have to be one with no medical exam.any suggestions
Answers:
What state do you live within? There are policies that are "Gauranteed issue" policies. You basically cram out an application with 3 question, if the answers to all 3 question are "NO", then it get issued without even have an exam.
The 3 questions are basically- Applicant enjoy HIV? Applicant been told by a doctor that he have less than 3 months to live? And one other one along those lines...
PM me if you own the option...and apt luck to you
well, you own to have his sanction. And with a problem in a minute, and no medical exam wanted, you'll primarily have to remuneration the face worth for the policy - ie, if you want $100,000 of coverage, it will be a $100,000 premium, paid up duration, through a high risk company.
You're not going to gain ODDS on your brother at this stage.
There are several online brokers that will allow you to compare quotes from several insurance companies. In this particular luggage, you might end up paying impressively high premiums because of the robustness condition of your brother.
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Is it legit to own two condition insurances?
Question:
Hi, I recently get married and added my husband to my health insurance through my employer, he decide he wants to stick next to his employer health insurance and doesn't want mine. So I'm stuck near the premium and 1 health insurance while he have two health insurances, is he allowed to do that or will he be within trouble when it comes time to go to the hospital or doctor, etc.?
Answers:
Your robustness insurance will cover the co-pays and deductibles for your husband that his insurance policy has. It is call coordination of benefits.
It's possible to be double covered. His primary job's insurance will sit as the primary, and your insurance will sit as secondary. Most imagined, he'll end up never have to pay a copay again, or as long as he remains double covered. As long as he doesn't budge to see his doctor on a regular basis, I would probably put an end to the secondary insurance when you enjoy the next opportunity, as I don't reckon it's very cost efficient, unless it were free logically...=)
yes you can have your insurance and he have his the use one they will make it so one will settle for some stuff and the other pays for whatever the other does not after you pay the copay
Yes, it is legit, so long as you report them adjectives to one another. How it works depends on your health insurance. Some will share costs, some will just kick within after another pays, and some will not pay at adjectives. Call your reps and get the details, and probability are you can do away with at least possible one of them.
Most group insurance companies will let you jump ahead and drop the first one if you can show proof of other insurance and had a vivacity change even if you are not contained by open enrollment. Getting married is considered a life span change. Check near your insurance administrator. No sense paying double premiums if you don't have to.
Yes, one is primary, one is inferior. The policy with his employer would be primary.
I'd read out if you have "your money" and "his money", you enjoy bigger problems than health insurance.
But you can PROBABLY drop coverage for him on your plan, even though it's not open out enrollment.
As long as one plan is clearly designated primary and the other secondary, at hand should not be an issue. You should make this designation to respectively plan clearly in writing ASAP, it's call Coordination of Benefits. This will prevent any problems should claims be filed. (The singular big problem would have be if he was the crucial policy holder on both plans.)
Generally - whomever's birthday comes first in the year - let's enunciate one of you is January, the other is June - the January birthday person holds the primary plan, regardless of who is elder or which plan is better. It's called the Birthday Rule, and it's pretty much universally adhere to as to avoid people giving the plan next to the better benefits to suit the visit respectively time. However, since you're not on his plan, this probably will not apply in this armour.
Make sure one plan is designated as primary and the other secondary.. You don't gain any added advantages.
If he doesn't want your coverage ,then repeal his coverage. T4
yes you can get it try thid for more info
Flood insurance. Is it mandatory contained by an A-5 zone? I maintain reading conflicting info and audible range different stories
Question:
We are trying to purchase a fixer upper in Va. The town is close to the wet, yet have never flooded significantly (causing property damage). When speaking to residents, they say single the first two blocks from the beach are required. They read aloud practically nobody actually have flood insurance.(except those who have to) The houses within this town are not even elevated.(Not even beachfront)(Mine is on concrete block 18 inches)Yet I read other places that all flood zone are required to have flood insurance. The town is considered contained by a 100 year flood plain, with a 1% prospect per year. What is the real story? The quotes I hold gotten have be very illustrious, which is surprising, as they have NEVER have a flood. What gives? Could someone please explain? I want to achieve flood insurance, but it doesnt seem celebration that they are charging so much with no history of floods within the area.
Answers:
A5 is a 100yr flood zone. A zone are inland & V zones are on the coast. Only B,C & X are considered not within the 100yr flood plain & eligible for the preferred risk rate. Flood insurance is high. Engineers do these map and they are very detailed. Have your agent show you one if they still own them in the department. Many of them even have the existing buildings drawn within. Just because something hasn't flooded, recently, does not indicate it won't flood. How far back do these those remember??
Just because houses are not elevated, does not mean they are not contained by a flood zone, it just manner that they were adjectives built before the ordinance were enact that would require them to be elevated. Houses that are already built, are grandfathered. If you plan to do significant work to this house, you had better check near the town BEFORE you buy & tell them your plans to find out if you will hold to do anything extra to be in compliance next to the laws of building or shifting a building in the flood zone. In directive for the town to participate within the National Flood Insurance Program (NFIP), it is required that the town enact certain ordinance & zoning for buildings & roads & culvert sizes, etc. If you REALLY feel your house is not surrounded by a flood plain (for example it sits on a hill opening above any water (pond, stream, lagoon, etc), you can hire an engineer to find out & if you are correct, own him issue a letter of map amendment. With that, you may qualify for the preferred rate, IF your house is after in a B, C or X zone.
If the house be built before the most up-to-date flood map, it is considered preFIRM and no elevation certificate would be needed but, if you get one it could reduce your rate if your house is "elevated" above the flood plain. The point at which your house is measured for the elevation qualification is the bottom of your basement or crawl space floor (not the first floor or where on earth the framing starts). If the house has concrete blocks, it sounds as if you at least possible have a crawl space. If the house be built after the flood map date, it is postFIRM and an elevation certificate would be required. This have to be done by an engineer or surveyor at your cost. The cost would depend on how far the house is from the closest "pin" where on earth the elevation of the land from the high-ranking water imperfection has be measured.
It is good you want flood insurance because if you hold a mortgage, they will require it. The mortgage company will only require you get the amount of the mortgage (or $250,000 which is the maximum available coverage if the mortgage is more than that).
It is best that you call your agent to own this all explained to you. He should know how to explain to you what is considered a flood. You should ask for some contents coverage, but, if there is a flood coming & you enjoy contents in your underground store, be sure to get them upstairs because coverage for contents surrounded by basements is VERY limited.
If your agent can't explain flood, find an agent that know something about it. The premium for like coverages will be the same no business where you dance because it is underwritten by the Federal Government, even if there is an actual insurance company dub on the policy. You will also have to earnings in full when you acquire the policy.
I hope this helps you.
If you are investing any money within a home, then the fluent course of events should be that you protect that INVESTMENT for any and all kind of problems. Like; THEFT, VANDALISM, HURRICANES, TORNADOES, FLOODS, etc. even if none of these things happen, you spend the money, because if one of these catastrophe takes place, your investment might turn up totally lost. The few dollars that it will cost you per month is well worth it to be protected from adjectives the elements listed above. If you on the computer, an assortment of companies do comparison quotes, find out which is the best for your needs and buy it. Most renters' insurance can be salaried on a monthly basis.
This in reality depends on your mortgagee co requiremtns. In MOST cases any zone starting with an 'A' or a 'V' is required by the mortgage co to hold flood insurance. Dont forget, just because other culture dont have it, doesnt stingy you shouldnt have it. Also, basically because it hasn't flooded yet, doesn't build it any less expected to flood.
Also, make sure an agent is quoting the property correctly, this can with the sole purpose be done with an elevation licence if the proeerty like you influence, is elevated. All agents writing through the NFIP (National Flood Insurance Program) will have like peas in a pod rates, as required by federal law.
Hope this help.
PS..
Lord.. ok you dont need renters insurance, you have need of a flood policy, dwelling or hazard policies dont cover flood, and NFIP policies are required to be remunerated in full. in recent times FYI!
Stupid people! Why you gotta achievement like you know when you dont know?
Whole natural life insurance?
Question:
if my whole duration insurance policy is for 10,000 and it is paid up...how do you know the lolly value of that?
Answers:
Call the company and ask. Please be aware that access the cash importance on a paid up policy will effect any guarantee that you once have. It is not like a edge account. Make sure you lay down an "inforce illustration" before you get any material change to your policy.
No, you'll have to appointment the company.
You'll be lucky if it's $1,000.
The company will be the best source. Although, I doubt, you are gonna get terribly much in this armour.. Check out the article on whole time insurance..
You need to contact your insurance company for that and never assume it is fully remunerated up. Get a written confirmation on that.
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