can my employer justifiably reject my spouse condition insurance if he have coverage available if mine is better?
They will cover my husband for the 90 days until he is eligible for coverage through his new employer. His plan is from out of state and does not own many doctors and dentists within network as my plan. Also, my plan offer a dental and vision near doctors we already use. Can they really deny him coverage?Answers:
Like some of the answerers have said, it depends on where on earth you live. Your best bet is to contact your state insurance department (link below), talk near the HR department, and even the insurance company itself. Even if you do manage to catch your spouse on your health plan, you will probably own to pay for “plus one” coverage, which is habitually more than double what you’re paying now.
One factor that might be surrounded by play, again depending on where you live, is a rule that’s sometimes call “Coordination of Benefits,” which might make it okay for your husband to enjoy insurance through his employer. For example, Ohio has a Coordination of Benefits rule that allows you to be covered by both plans. For you, your plan would be the primary plan and your spouse’s would be the lesser plan. The reverse would be true for your spouse. The insurance companies have to prefer who pays for what. If you have children, the primary policy would be the one for whoever parent have the earliest birthday in that calendar year.
Barnes @ MostChoice
http://www.mostchoice.com/health-insurance.cfm
Other Answers:
They cannot send regrets health insurance if you want him on your plan. Visit your HR organization and talk first to the benefits mediator, the the HR Manager and then if mandatory the HR director.
Source(s):
It is my job!
Yes they can.
Atleast it is common within the Reno, NV area for a spouse's employer to demur a spouse if they have their own insurance availability.
Don't know why; but, it happen.
Source(s):
Happened to me
I don't know if they can beg to be excused him but they can make you settle up for his coverage. From what I know your employer is legaly obligated to offer "you" anything he or she may have through the company. I know they can't deny you. But nearby might be some kind of unusual loop hole if your husband already has his own. Get within contact with a advocate.
Employers appear to have be allowed to get away near an increasing ammount loopholes with good opinion to insurance. I work for a sheriff's office and when I started they would not cover me until their unequivocal enrollment period begin. They also have a policy that add a surcharge if you place your spouse on your policy and your spouse is offered insurance through their employer. It is sick that everyone who works is not covered.
Call the department of Insurance in your state. I suspect the law vary from state to state considerably.Speak with your state's department of insurance, as respectively state has different rules.
However, commonly speaking, your employer has the right to deny a spouse or domestic partner coverage if s/he is eligible for her/his employer's sponsored robustness plan.
Traditionally, employers hold not selected to do this. I realize that the pratice is becoming more prevalent as health insurance costs verbs to rise. If employers are concerned just about health insurance premiums, frequent offer to cover the spouse/domestic partner as okay as her/his plan, but will charge what is commonly known as a Spousal Clause, surrounded by which benefits are offered, however you are required to pay the entire premium for your spouses coverage.
Having said this, if your employer will not present coverage to your spouse, I would consider finding an employer who will. The practice, in my humble view, is dispicable. That varies depending on what state you live surrounded by. Most states will let your spouse be added, but the employer can require you to pay envelope 100% of the additional premium, IF his current plan also insures spouses.
What is the best insurance company to seize auto and home through contained by Ohio?
I want to get them both through equal company because they give you discounts rates. The insurance will be for two cars and include my wife on the story. Is there an trouble-free place to compare rates?Answers:
We had Allstate for several years and when we purchased our exotic home and car, we contracted to compare rates. Allstate was the great. Nationwide was okay, but they required a bias to the Farm Bureau to get their rates??!!?? We go with State Farm. We get more coverage for less money than any other place we compared.
Other Answers:
I'm not sure but my dad say Allstate car insurance is apposite.
Nationwide.com The big three companies are St. Farm, Allstate, and Farmers. If you don't grain you need an agent try calling Geico and you may rescue some money. An excellent company based contained by Ohio is Ohio Casualty. All will give a discount for insuring both your home and autos. To compare rates try www.directoryinsurance.com. Remember that independent agents such as those used by Ohio Casualty hold contracts with numerous companies and they can confer you options. Companies such as St. Farm, Allstate, and Farmers hold agents that write business soley for the company they work for. Keep in mind that agents represent the company they write business for not the client.
Erie Insurance. They sell insurance through independent agents, which is the best path to compare rates AND COVERAGES. You can't just compare rates, as you can other get a cheaper rate by dropping coverage.
FarmersThey hold unique auto policies to ensure mediocre coverage, perks, and flawless discounts for package policies (e.g. home +auto).
If you're not self-righteous with that, try Liberty Mutual. They're okay, but they do hold good rates. Make sure to check your coverages for satisfactoriness.
Source(s):
www.farmers.com
Is near a p&c insurance co. surrounded by the state of Oklahoma that will sponsor a party for the p&c license exam?
I'm licensed life/health/annuities and series 7 series 63 (non-active). Been out of the industry for a while and am giving it my all as an independent agent. Want to join p&c to my practice.Answers:
I think you're going to own a harder time finding an insurance company in Oklahoma that won't be likely to sponsor you, you will of course hold to be hired or contracted by the company that sponsors you. There are even a few that will be willing to re-imburse you for the cost of license after you pass the exam and are hired on to write for the company. Feel free to im me if you own questions.
Other Answers:
I believe that companies will simply sponser your test for a P & C license if you any work for them or have a contract to write buisness for them. Since you already hold a life/health/annuities and series 7 license companies should be willing to sign you up. Most companies love agents who can write energy as well as P & C coverage.
stir to the local Indepentent Insurance Agency (www.iiaa.com)and they will help you.
Call me if you call for some carriers for go with nice commissions.
Source(s):
www.networthfg.com
I want to find poland insurance company selling insurance by phonce?
Answers:
Yes and I want to sit at this computer all hours of daylight doing nothing of any importance and get remunerated for it. WELL come to think give or take a few it that is exactly what I am doing and getting salaried. Not for much longer though. Do you have the milieu to sell insurance on your won at home?
advantages and disadvantages of self insurance?
Answers:
I assume you are asking in a business context.
Advantage
Self-insurance make economic sense when the premiums you would remuneration far outweigh the risks you are covering (the yearly damages costs smaller amount than the premiums)
Disadvantage
You can't predict the future, the once contained by two hundred year event can happen any year, (a Tsunami etc), so you could close up with a huge loss.
The solution that self-insuring companies follow is to self-insure everything below a disaster and solitary take out insurance for events above a clear in your mind amount (for example above $x million).
Other Answers:
Advantage: For sure save money on the premiums.
Disavantage: If something happen, you or someone will have to come up beside a large sum of money.
looking for vivacity ins # to name for aetna?
Answers:
1 888 70 AETNA -- Member services
hey i get a big problem i obligation homeinsurace whitout checking our credit thank you?
Answers:
From the looks of the other answers already here, I think it may depend on what state you are surrounded by. Every state has their own rules and every company make their own underwriting guidelines. In NYS, not adjectives companies require a credit check to issue homeowners coverage insurance. Check with a local agent - more than one if essential - that's your best bet.
Other Answers:
I do not think in attendance are many places who will do that....if nearby are they will charge you enormous interest rates to protect themselves....I am within the same boat....pious luck
No reputable insurance company will do that for you, it's called FRAUD.
Sorry almost your credit but figure this scenario.... You hold bad credit, your house burns down, very soon you owe the amount of your home and all the stuff you owe money on resembling furniture, and maybe even your coup if it's parked close enough to you house, in a minute you not only hold bad credit you will enjoy to file ruin. Good luck dear.
Source(s):
insurance agent
Check with your state Department/Commissioner of Insurance. You may qualify for a plan that's call Fair Access to Insurance Requirements. It's a plan that ensures that everyone who have a dwelling that meets the guidelines for 'insurable' can acquire access to insurance.
Source(s):
An insurance agent
I don't know of any carriers that donate homeowners in the US minus a credit check - or rather, nearby are a couple, but they are few and far between.
Your best bet is to go to a local agent, and ask them to bring back you a policy in your state Fair Plan. Fair Plan coverages might not be as broad as a regular homeowners policy, but the point is to build coverage available to people who would otherwise not qualify for coverage.
I suggest you to see the picture "Bulworth" starring Academy Award Winner Halle Berry
MBRCATZ17 is on the money on this. Look for you State Fair Plan to obtain insurance. They will most potential be the best resource on this as their underwriting guidelines are much easier.
looking for info on duration ins. for amer group if they hold or not?
Answers:
They don't directly have insurance, but they do volunteer policies though "third party" companies they endorse. Merely contact your local American Legion Post ( various have a bureau with module or full time help at hand doing the day)
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Are you looking for yourself or for the lodge? I know they have some ins. because my mom be a member but I can't report you what kind..
How do i start a coup insurance company?
Answers:
First, you have to get hold of a license to sell any type of insurance, which will involve taking a state board exam. Second, you'll necessitate a lot of extra money to know how to pay out any claims - of late as a Casino has to hold on to extra money around to pay for winner, even on the first day they start. If AAA is big in your state, they will probably put up some resistance to you. Insurance companies hold to be approved to sell contained by their state in which they want to do business - and believe me, insurance companies will lobby against newbies, they don't want any competition, not even a small mom and pop setup. Good luck!
Other Answers:
The first entity would be to have satisfactory money to pay for the coup you are covering.
For example, if you want to sell insurance for a $50,000 BMW you markedly need to own $50,000.00 in the guard to pay your customer.
If you want to get rid of insurance for 2 BMW you obviously stipulation to have $100,000.00 within the bank.
By the mode, do not sell any insurance to any Cadillacs or you will lose your money.
With a license and a TON of money.
Good luck near that.
Start with hiring one of the Big Four accounting firms. They will minister to lead you through the process.
is here a website that compares joined form thoroughness plans near blue cross plans?
or can someone help me to compare the two?Answers:
I worked for a Blue Cross plan and interviewed beside United Healtcare. Send me a message with details of your examine, and I will help to the best of my skilfulness.
I current work as an HR Director.
Other Answers:
Go to webmd, and I believe that they have a comparison tool on nearby. I had BCBS where on earth I used to work and they were moderately pricey for the coverage, 80/20. I currently have UHC where on earth I am employed now and it is much more affordable for the coverage, 90/10. Mind you, it might differ from state to state, but so far I haven't be disappointed with the coverage from UHC. Never really used the BCBS. Try the site at webmd first, and see if that won't answer your sound out.
Source(s):
http://webmd.com
how much is insurance for a catering business?
Answers:
That depends on what type of catering business! Where it will be located, the hours of operation, the number of employees....... I would suggest first enjoy in your mind and in print what your goal is, for instance let say you want to operate a traveling food stand, one that you may drive to construction sites and propose both hot and cold sandwiches and drinks!! OK, immediately I would then phone call other catering businesses in other towns or cities across the US, let say 5 businesses surrounded by 10 cities that gives you a total of 50!! Let them know why you are calling and where on earth you are located, that way they will not perceive threatened in helping you since you would not be their local competition! Have your question ready, and hopefully at the expire of the 50 calls you will not solely have a ballpark integer, you possibly will have gain more insight into being successful!! Good Luck! Have a Great Day! MB!
Other Answers:
Not satisfactory info to answer, there are too oodles variables . . . you should call a local agent, and ask them for a quote.
If legal representative and adjuster agree near workers comp settlement do you still run to court.?
Answers:
No
Other Answers:
If you are the plaintiff, and your attorney agrees with the adjusters evaluation of the claim, you can still suggestion your lawyer that you want to punch-up it at the courthouse... Remember, your attorney works for you... But also remember, your attorney has experience. If he is a perfect lawyer, you should appropriate what he says below advisement. But if he is lazy, and you know it... fire him, and hire a advocate who you think will bring you what you nedd.
It DEPENDS ON:
WHICH SIDE the legal representative represents
IF the lawyer works for the insurance company, OR a third participant (if a third party is involved) - consequently the case still go to court.
IF the lawyer represents you, the defence may still go to court IF YOU agree to the language. BE SURE that you understand adjectives the terms of the settlement. IF you do not know all the vocabulary of the settlement, be sure to ask your lawyer to explain everything. If you still do not realize - persist until you fully infer BEFORE you go to court, or BEFORE you settle.
Here are some beneficial places to check out
www.GettingWorkersComp.com - has paying special attention workers comp information & updates
www.Prairielaw.com - also hosts a wonderful discussion forum
www.GettingWorkersComp.Blogspo... - a blogsite with continuing workers comp communication
Another option - you could contact the Ombudsman for the Workers Comp Board within your state.
if your liability individual insurance does not cover the cost of the other party's vehicle, what can you do?
My sister was contained by a car coincidence where she flipside ended a female. My sister was at defect and the other lady's car costs 8K, but her insurance will lone pay $2500. They are trying to form her pay the remaining $5500. She can't afford it, or a legal representative.Answers:
The thing to remember is the hamper on your insurance has nil to do with how much they sue you for or how much you'll owe.
It singular deals near how much the insurer will pay. Once the insurer pays the check, you still owe the rest.
Your sister is learning the knotty way why you never, ever buy the lowest possible coverage precincts. You buy enough coverage to maintain from having to lose everything you hold.
Your sister will have to pay envelope each one of those folks, regardless of what the hold back is.
Or better yet, put yourself surrounded by their shoes.
What if you were driving and be hit by another driver and your car be worth $8000 and it was rendered undrivable and you get a check from the at fault driver for with the sole purpose $2500 and you still had a wrecked motor. How would you feel? You'd want the full $8000, not of late $2500 and an apology.
So she's going to lose everything she owns and you will gain a valuable lesson.....a one-million dollar personal liability umbrella costs simply $120 per year, if you have a homeower's policy already surrounded by place.
For $10 per month, you can make sure you take to keep adjectives your possessions if you hit somebody.
Other Answers:
Why will her insurance only earnings $2,500? Even the lowest property liability limit is double that, and most are efficiently enough to cover $8k.
If the actual interrupt to the other party's vehicle was $2,500 and they want the vehicle replaced, that's too bad for them. They might win over a couple extra hundred for "reduction in value" but that's roughly it.
If her liability limit be truly only $2,500 (I'm still have trouble believing that) then she can't afford to NOT enjoy an attorney. She'll almost certainly be sued though the courts may command a payment plan to clear the judgement if she is nearly destitute. I don't take why her insurance company is paying $2500.
The lowest minimum limit per state is $5000 within California, Deleware, Massachusetts, Mississippi, New Jersey and Pennsylvania.
Was there another tatty vehicle?
If your sister has no other assets besides single saloon (home, second car, etc) when in that is little to be done.
If the other lady or her insurance company is reimbursed the $2500 by your sister's insurance later the claim is closed witha release.
I think we're missing some central facts here?
Does the vehicle repair cost $8000 or is the $8000 vehicle a total loss?
Is there more than one worn out vehicle?
Is the other lady's insuranc ecompany paying for the damages then subrogating? Bummer. She owes it. They can put a lein against her vehicle, or any of her posessions, or against her wages.
Minimum liability is a bad piece.
You need to check YOUR auto insurance policy, too - I other recommend a minimum of $50,000 of property damage coverage - surrounded by case you rear-end a Lexus. But it usually merely costs a dollar or two more to double that, and get $100,000. Have your sisters agent explain the coverage on her coup. Each state has different minimum liability limitations but I've never heard of property bring down coverage as low $2500. Even 15/30/5 would pay up to $5,000 for PD and that's the lowest I own ever seen and may not even be offered anymore. If her coverage is at $2500 she is on the hook and will own to pay. Maybe she can negotiate a more temperate settlement. Make sure the other party is not merely using the highest esimate and that it is fine.
We hold a elder camper trailer that we verbs at the back a pickup.?
Do we have to take insurance on it like we do our vehicle?Answers:
Your vehicle liability insurance will typically extend to cover the camper while you are pulling it. If your trailer somehow causes mischief to someone or jack-knifes and damages someone's vehicle or other property, then the insurance covering the pick up would clear the damages. If your camper is unhooked from your vehicle and somehow causes injury or impairment then you enjoy no coverage. I advise most of my clients next to camper trailers to look at purchasing a policy from Foremost. They write policies specifically for camper trailers (amongst other things) which cover the liability whether being pulled by a vehicle or unhitched. The policies are not expensive any and they do give peace of mind.
Other Answers:
Depends on what your state law are.
i don't believe you need liability insurance on trailers.
Depends upon state ruling. From personal experience, MA requires liability on all trailers. TX does not, as long as it's tabled on your auto policy, and there is no charge for the coverage.
Your agent would be the one to answer this, he'll know what you're state law are. You could also read your auto policy, that should have the answer surrounded by it also. In Okla. liability from the pulling unit will extend to the trailer, so a seperate policy wouldn't be required, however, I don't believe that is to say true in every state.
This would depend on your state law. Usually the liability coverage on the vehicle pulling the camper would extend to the camper. But like someone said back me, if the camper causes wounded to someone or to property while NOT being pulled by the vehicle after there would be no coverage. She mentioned Foremost. I write for Foremost and she's exactly right. THe camper policies are not expensive and it might be worth it to protect yourself contained by the event of that one freak accident that might only happen to you!
My HOA have a blanket insurance policy that have a $10,000 subtract. What other coverage do I stipulation?
I'm trying to buy supplemental homeowners insurance for my townhouse. My homeowners association has a blanket policy that cover the structure, however zilch inside the house is covered. Their deductible is $10,000. What other insurance coverage do I need and approximately how much personal property coverage would I want for a 3 bedroom/2 bath townhouse?Answers:
The deductible on the HOA policy doesn't come into your sums. If your townhome were to be destroyed or destabilized in some approach (fire, tornado etc) then the structure would be repaired or replaced by the HOA Insurance policy and the deductible would be remunerated for by the HOA (which would then probably turn around and assess respectively unit owner an increased amount on your annual Association fees to get hold of this money back). You will be responsible for replacing everything inside. This could include the from the drywall in so please read the Association rules and check the contract you signed when you purchased your home as it will typically specify exactly what you are responsible for. You are the ONLY person who can determine how much coverage you obligation. Make sure you buy enough coverage to replace adjectives of your belongings as well as the drywall and plumbing fixtures and fittings (you may powerfully be responsible for those-check the contract).
One other thing, be sure and win liability coverage on your policy-I don't know of a policy that would not include this coverage but make sure you ask in the region of how much coverage there is. The liability will protect you within the event you have a leaky pipe, or enjoy a fire in your component that causes defile to a neighbor's unit, your liability will discharge for their damage. I recommend you buy at lowest possible $100,000 coverage but $300,000 would be better.
Other Answers:
I have 30,000 coverage on my stuff. That will fashion sure to cover my computers, t.v's, couches and everything that isn't cheap to buy.
Since the HOA has the coverage consequently the deductible would come from them if their policy was needed. You would basically have to money your insurance deductible.
To start near I would choose a different insurance company. A $10,000 deductible for blankets is ridiculous. Who has any blankets
that cost over a $100 at the most? Trust me, you are taking a
whipping on this one! Try another company. Don't concentrate
too much on the blankets, there are much more exalted items
that would require replacing in the event of a fire or flood.