In laws want to buy life insurance for my children Insurance |
- In laws want to buy life insurance for my children
- Retroactive COBRA for Fixed Period with Claim
- Indonesian Insurance company denied claim for melanoma biopsy because “not curative”. Anything I can do?
- Do homeowners insurance policies adjust for market value?
- Looking for a company that will issue a non- owner auto policy or operator policy . I have tried with geico and progressive and they state they do not isssue them anymore
- Theft Insurance
- We don't own a car and don't have auto insurance, but we will be renting a car. What insurance do we need? [California]
- Insurance companies with corporate offices in Iowa/Minnesota?
- Adjusters: drone surveillance legislation
- Condo insurance
- Bill After Pre-Authorization
- is CareFirst's Blue Rewards worth it?
- Auto insurance payout confusion.
- Insurance underwriters and Cyberterrorism?
- Tips to deal with claims agents.
- Non-owners auto insurance to cover gap - would it work, and is it worth it?
- Two different health insurances
- Accident in borrowed car
- Do I need an umbrella insurance policy?
| In laws want to buy life insurance for my children Posted: 07 Oct 2018 12:58 PM PDT My mother-in-law and father-in-law want to purchase a life insurance policy for my children. They would list my husband and I as the primary and secondary beneficiary. Is there anything I should know about this? My in-laws tend to be controlling with money and I am worried of them using this to control my kids one day. They were extremely offended that we wanted to read the policy instead of trusting them. There was actually an argument about how my husband should be grateful that they want to purchase this expensive policy to protect us. Any and all advice is welcomed. I know nothing about life insurance so explain it to me like I'm five. TIA! [link] [comments]  |
| Retroactive COBRA for Fixed Period with Claim Posted: 07 Oct 2018 06:18 PM PDT It seems a lot of the COBRA posts here are debating whether or not it's worth it. Unfortunately for me, I had an ER visit during the three weeks I was uncovered by my previous employer and I'm now trying to figure out how to navigate COBRA retroactively and the associated costs. Timeline:
There are a couple things here:
[link] [comments]  |
| Posted: 07 Oct 2018 08:51 PM PDT I tried posting this to /r/LegalAdvice and they suggested I try here. Some background: I live and work in Indonesia. My wife and I work for a rather large ESL company for adults which I'd rather not name. My wife's mother has had skin cancer (melanoma) in the past, and that is a hereditary issue, so we go in to the dermatologist every few years to get weird moles looked at. Recently we went to a dermatologist to show a weird mole. The doctor examined it and explained that without doing a biopsy it isn't possible to know if it is cancerous. She offered to remove the mole right then and there, and we agreed. She took a huge chunk of my wife's skin and sent it off for a biopsy. The doctor explained that the best thing to do is just remove all of the mole, because if it turns out to be cancerous it is better to remove it all. She took a big bloody piece of flesh and sewed up the wound with five stitches. The results came back negative(yay!). Now my company's legal team is claiming that the surgery cannot be claimed, because it was not a curative procedure, as the biopsy clearly shows that the mole was not cancerous. I explained that there was no way to know that beforehand, and they said that basically in order for the surgery to be accepted by the insurance company the biopsy must demonstrate that some medical malady has been cured, and since it turns out there was no cancer, the insurance company will reject the claim and we must pay 100% out of pocket. The legal team also explained that the claim will be rejected in any case of a "gray area". Basically my plan is to go talk to the doctor and see if she will write a note describing the procedure as curative, but the legal team has informed me that even if I obtain such a note, the insurance company will likely deny the claim anyway, choosing only to look at the biopsy results. Is there anything I can do? Is there something I haven't thought of? Keep in mind that this is Indonesia, and probably the law works a little bit differently here. All advice is welcome and appreciated. Thank you. [link] [comments]  |
| Do homeowners insurance policies adjust for market value? Posted: 07 Oct 2018 04:16 PM PDT So I bought a home for $80,000, and got an insurance policy that covers up to $105,000 loss with $2,000 deductible. Unfortunately it's right in the path of this tropical storm Micheal, and I'm on the other side of the planet in the military and cannot take the necessary actions to protect against hurricanes right now. I have been looking to sell the house recently, and I'm told it's market value is between $120,000-$130,000 now. My question is, if a tree falls on it or it's somehow declared a total loss, do I get to basically eat $20,000 of lost equity? Or can I adjust the coverages on the policy up to the market value? [link] [comments]  |
| Posted: 07 Oct 2018 04:00 PM PDT |
| Posted: 07 Oct 2018 07:02 PM PDT I'm sorry if this comes off as dumb or something please hang in there lol I was at my College's library and someone stole my hydro flask. Is this something they would cover? Or is it just not really expensive enough for it to count. [link] [comments]  |
| Posted: 07 Oct 2018 12:59 PM PDT We have medical insurance and renters insurance. That's it. I would like to cover myself and my wife from uninsured and underinsured drivers in addition to liability. What do we need? [link] [comments]  |
| Insurance companies with corporate offices in Iowa/Minnesota? Posted: 07 Oct 2018 06:50 PM PDT I'm hunting for field adjuster positions in the midwest and wondering if there's any companies I've missed. [link] [comments]  |
| Adjusters: drone surveillance legislation Posted: 07 Oct 2018 11:08 AM PDT What are the statutes/regulations in your area about using drones for private surveillance (for fraud investigation)? Past the obvious peeping Tom stuff (like not using a drone to peep through someone's window without their consent). [link] [comments]  |
| Posted: 07 Oct 2018 05:42 PM PDT I have a condo - town Home style: a bunch of units next to each other each with their own garage, basement, and two stories, sharing walls with another unit on each side. I have never owned before, so maybe this is normal . When I bought, I got home owners insurance and property taxes in escrow with my mortgage. The first year my home owners insurance was 800 dollars a year, I thought this was high, but I did not know for sure. It has gone up around 100 dollars a year since, some years slightly more than others. This year I just got the letter and it is now 1,109 dollars. The coverage has not changed. Condo value $150,000 Personal property $75,00 HOA has its own insurance policy Not a bad neighborhood, just low cost of living mid west town. Is this normal? Thank you [link] [comments]  |
| Posted: 07 Oct 2018 01:53 PM PDT Hello All! I am just looking for some insight into this issue. I appreciate any input. I recently had an outpatient biopsy that was pre-authorized by my physician's office prior to the biopsy itself. I was informed that I would not be charged. Fast forward and, you guessed it, I was charged for the pathology and microscopic exam to the tune of $560.00. I have a United Healthcare PPO plan. It is a high deductible plan, however, I usually pay the insurance negotiated rate and since the procedure was pre-authorized and my charge was $0. I was not expecting this bill. I would like to know if I would have a chance of getting this paid if I dispute this claim or should I just roll over and hand them the $560.00. Any input is appreciated. Thanks. [link] [comments]  |
| is CareFirst's Blue Rewards worth it? Posted: 07 Oct 2018 05:10 PM PDT Just signed up with CareFirst. I got a notification that if I get some health screenings done, I'll get an "incentive card" with up to $400. I can use these funds within the next year for medical services not covered but approved by my plan, like copays and prescriptions. The FAQ document says: "You have until the end of your benefit period to use your incentive card; funds do not roll over. The card allows for transactions that are equal to or less than your current card balance. You should not use the card to pay for services that aren't covered by your plan. For example, if you do not have dental coverage through CareFirst, you cannot use your incentive card for dental care. The card cannot be used for over-the-counter products like vitamins or bandages." The "transactions that are equal to..." part has me concerned. Does this mean that if I'm paying a bill for more than the amount on my card (like, say, $5,000 worth of IVF meds), then I can't use the card at all? Has anyone done this program? How did it work for you? If I do it, I'm probably going to go to a CVS Minute Clinic. [link] [comments]  |
| Auto insurance payout confusion. Posted: 07 Oct 2018 10:39 AM PDT We live in Virginia. My husband was in a motorcycle hit and run. A car hit him and drove off. He broke his arm, but other than that is ok medically. Our uninsured motorist insurance covers $25k of medical bills. The medical bills came to about $33k but our health insurance knocked it down and they paid $13k while we paid our out of pocket maximum of 3k. I learned a few years ago that Virginia does not require health insurance companies to get reimbursed for auto accidents. We are very confused because Progressive says that because the bills are way over the $25k they can payout, we should see if our auto insurance should cover the rest,especially if we hope for pain and suffering payout. We told them our health insurance negotiated the bills and paid less than half the cost so the bills aren't over $25k at all and have already been taken care of since we paid our out of pocket portion. Progressive says we need to ask if the insurance company doesn't want to get paid back, if they don't care to be paid back then what is left of the bills the $25k covers and the rest can go to us for a payout. But she really wants us to see if our auto insurance would help cover the cost (it doesn't) so What other bills are there? Since we met our out of pocket maximum Insurance has taken care of everything. So we should get the $25k directly to us, right? [link] [comments]  |
| Insurance underwriters and Cyberterrorism? Posted: 07 Oct 2018 05:41 AM PDT I recently attended an insurance conference that featured a segment on Cyberterrorism and Ransomware. Have you seen a recent uptick in policies including these things? What is the best was a company's policy can protect itself against such attacks? [link] [comments]  |
| Tips to deal with claims agents. Posted: 07 Oct 2018 07:49 PM PDT Basically the due to the county's negligence my car got totaled. I have to get the insurance claim done before going to the county, and I know my insurance is going to lowball me. Any tips to get a higher payout from the insurance. They plan to give me about a $500 for a car that fair value is 4K and some change. [link] [comments]  |
| Non-owners auto insurance to cover gap - would it work, and is it worth it? Posted: 07 Oct 2018 02:23 PM PDT I got rid of my vehicle before moving across the country to DC three years ago. Naturally, I cancelled my auto insurance after getting rid of the vehicle. Since I live in a very walkable area with robust public transit and Uber availability, I only drive when renting a car while visiting a family around Christmas. I anticipate I will get another vehicle at some undefined point in the future. My questions:
Since I rarely drive, the question is really just "is it financially worthwhile in the long run, even though it clearly isn't in the short run?" [link] [comments]  |
| Two different health insurances Posted: 07 Oct 2018 02:08 PM PDT I'm currently on two different insurances. I get one through work, and I'm also on my wife's work insurance. Somebody told me that because of this, I wouldn't pay a copay at a doctor's office. Is this right? I've never heard of this being the case before. [link] [comments]  |
| Posted: 07 Oct 2018 06:27 AM PDT I am an occasional driver only, don't own a vehicle or have an insurance policy. I occasionally drive a friend's car which he loans me which was OK with his insurance. However her recently went to work away out of state and loaned me his car while he was away. During this time I had an at fault accident that totalled the other drivers car, she was driving uninsured but still claimed against friends insurance. The issue is friend had not informed his insurance about loaning me his car when he was away and his insurance denied the other drivers claim. The other driver is now suing me for the damage to her car and for her expenses. There is also extensive damage to friend's car, friend says he is considering his options and I realize that he could likely also sue me for the damage to his car. Was it my full responsibility to make sure I was insured to drive or should he take some responsibility for this as he had not informed his insurance which meant I was unknowingly driving uninsured. If I am completely at fault, should he also be suing me for his damage? [link] [comments]  |
| Do I need an umbrella insurance policy? Posted: 07 Oct 2018 07:40 AM PDT I currently have auto, homeowners, and an umbrella insurance policy with one carrier, and my policies are renewing at the beginning of next month. My current yearly household income with my spouse is $97,000, and our current net worth is about $250,000 When reviewing my coverages, I think I am overinsured by having the umbrella policy. Here are my current policy limits for all the policies. Auto: $1 Million - Per Person / $1 Million - Per Accident / $1 Million - Property Damage Homeowners: $1 Million - Per Occurrence w/ Personal Injury Endorsement Umbrella: $1 Million - Per Occurrence Do I need an umbrella insurance policy? [link] [comments]  |
| You are subscribed to email updates from All Things Insurance. To stop receiving these emails, you may unsubscribe now. | Email delivery powered by Google |
| Google, 1600 Amphitheatre Parkway, Mountain View, CA 94043, United States | |
No comments:
Post a Comment