Input: Does Medicare Cover HPV?

Output: Original Medicare has a list of preventive screenings that it will cover under Part B. However , the cancer screening list does not includeHPV testing as a covered screening test for cervical cancer . What Medicare does cover is one PAP test and pelvic exam every 2 years if you are at average risk for cervical cancer . If you are considered at high risk and have had an abnormal PAP test in the last 3 years , Medicare will cover it once a year . The tests will be covered at 100 % if your doctor accepts assignment -LRB- accepting the Medicare-approved amount as payment in full -RRB- . If he/she does n't accept assignment , you would be responsible for any excess charges the doctor bills you for -LRB- an amount above and beyond the Medicare-approved amount , up to 15 % -RRB- - you may want to look into buying a Medicare supplement plan F or plan G to cover excess charges -LRB- plans F & G cover excess charges at 100 % -RRB- .


Input: What Does A Life Insurance Agent Do?

Output: A good life insurance agent is an independent representative of many product lines and works for the client and not for a company . They need to be knowledgeable and well versed in the various product lines and underwriting protocols of recognized impaired risk companies . They also need to be well acquainted with simplified and guaranteed issue life insurance .


Input: What Does A Life Insurance Agent Do?

Output: Whether they work for an agency or work for themselves , most life insurance agents are expected to be pretty self sufficient . One of their biggest jobs is finding clients . This entails marketing , advertising , attending events , building relationships , and possibly contributing to resources for consumers and other professionals , to build up credibility . Once leads are found , the life insurance agents must gain their trust and show that they can do the best job for their leads . Then they gather all the pertinent information and hunt all their options to find their clients the best policies . At this point , they work to get the policies placed , follow it up with record keeping , and do policy reviews from time to time . In the midst of all of this , life insurance agents keep up continuing education , stay abreast of new products and technology and industry practices , and manage staff as needed .


Input: What Does A Life Insurance Agent Do?

Output: A life insurance agent sells life insurance . Their job is a combination of marketer , school teacher , and entertainer . You spend most of your time looking for people who want to talk about insuring your family . Then you spend a much smaller amount of time teaching the person how everything actually works and what their options are . Then after all that you spend the next week trying to convince the insurance company to accept the applicant and that they are n't already one foot in the grave .


Input: Can I Get Car Insurance With Bad Credit?

Output: You certainly can . There are some companies that are more strict than others regarding credit , and may not offer auto insurance to customers with bad credit . But there are other companies who do n't use credit as a rating factor at all . But these are the extremes . 92 % of all auto insurance companies use credit at least to some degree . But each company weighs credit differently .


Input: Can I Get Car Insurance With Bad Credit?

Output: In California personal credit is not a consideration for issuing an automobile policy . There are limited factors that can be considered ; year , make and model of the car , use of the car , mileage traveled by the car , and the driving records of the members of the household where the primary insured lives .


Input: Can I Get Car Insurance With Bad Credit?

Output: You should be able to , but you will more than likely pay more for your coverage than a person with good credit . Many carriers will accept risks with bad credit . Each carrier sets their own standards and pricing for the risks that they are willing to accept . Start by contacting a local agent to discuss coverage availability and pricing within your area .


Input: How Fast Can I Get Renters Insurance?

Output: You can purchase renters insurance the same day from me over the telephone . The whole process takes about 10 minutes and with our automated system , you can esign your documents that will come directly to your personal email address . Policy cost start at less than $ 10 per month . Keith Prim - Farmers Insurance - Dallas , TX 214-435-0791


Input: How Fast Can I Get Renters Insurance?

Output: It is a pretty quick process barring any unusual circumstances . Claims history is certainly a consideration , but in general terms , from the time you begin your conversation with your Insurance Professional , discuss your options , process the application and make payment , you can have a document showing bound coverage in effect in quite a bitless than 30 minutes . Just be sure not to sactifice contract and coverage understanding for speed .


Input: How Fast Can I Get Renters Insurance?

Output: In most cases anyone should be able to purchase a renters insurance policy the same day . This would be providing there are no previous claims issues and you are able to answer all the applicable questions and make the premium payment . My suggestion is to contact a local independent agent who can help you find the right policy at the right premium to fit your needs .


Input: What Percentage Of Seniors Have Long Term Care Insurance?

Output: Depending on what source you read , the percentage of seniors who have private Long Term Care insurance policies now is about 10 % of all seniors in the United States . However , it is predicted that as many as 70 % of persons who are age 65 + now , will need long term care services at some time in their lives .


Input: What Is A Child Rider On Term Life Insurance?

Output: A child rider on Term life insurance adds life insurance to your policy that will cover your child -LRB- ren -RRB- . It is usually available to children age 15 days to approx age 17 -LRB- the age varies by company -RRB- . You select a face amount of the child rider , usually between $ 5,000 and $ 25,000 . This that would pay if a tragedy occurred in your family , and you lost one or more of your children . The child rider benefit would pay that entire amount for each deceased child . The rider pays for death by any reason , just as your policy does , with the exception of suicide in first two years , or if your child had a serious health condition that was not disclosed on the application and death occurred during the first two years of purchasing the rider . If your child has type 1 diabetes , intellectual disability , or other maladies , unfortunately , they will not be able to be on the rider.Therefore , it is good to get the rider while your first child is young ; then the rest are automatically added . While few children pass away , the real value of a child rider can come when your child turns approx 25 -LRB- again , the age varies by company -RRB- . At that time the child rider can usually be changed to a permanent life insurance policy of about 5 times the face amount of the child rider . They do not ask any health questions , so if your child developed an illness after being put on the rider , it will not matter . They will then have a reasonably priced life insurance policy for the rest of their lives .


Input: What Is A Child Rider On Term Life Insurance?

Output: A child rider is a rider attached to the Term Life Insurance policy that would pay a death benefit upon the passing of a child on the rider . One rider covers all the children in a family . It covers biological and adopted children and children for whom the policy owner is guardian . They must usually be younger than 17 or 18 to be put on a child rider . Generally , the child rider will allow the child to take out 5 times the rider 's amount in permanent insurance , rated Standard , regardless of health at the time of the policy conversion . This must be done prior to a certain age , usually in the 20 's . Each policy is different so read the fine print or ask your agent to explain your particular rider .


Input: What Drugs Do Life Insurance Companies Test For?

Output: Depending on the type , amount and personal information of life insurance applied for the main drugs tested for with blood and urine samples include the following . First nicotine and cotine which is tested for tobacco use . Next prescription drugs to match up to your medical records to test for any abuse . Lastly illegal drugs such as amphetamines , depressants , hallucinogens , heroin , cocaine and most will still test for THC even though marijuana is legal in some areas of the country .


Input: Is Retirement Plan Tax Deductible?

Output: A qualified retirement plan , like those under ERISA -LRB- the Employee Retirement Income Security Act of 1974 , -RRB- are tax deductible to the plan participant . Examples of qualified plans that are deductible are 401 -LRB- k -RRB- s , IRAs , SEP IRAs . There are other tax dedcutible plans as well like 412 -LRB- e -RRB- and HR 10 plans .


Input: How To Find Life Insurance Policies For A Deceased Person?

Output: To find life insurance policies for a deceased person , start by looking through their records and files . If you ca n't find any policy numbers that way , ask an insurance agency that handled their auto , car , etc insurance , to see if they purchased their life insurance there , as well . You could try calling a couple companies that you know they liked . If all else fails , you may need to wait a couple of years for the life insurance to show up as unclaimed property for that state .


Input: How Much Home Insurance Do You Need?

Output: Insurance companies normally accept the services of several rating companies that compute the cost of replacing your home . This is the value the company will use to set the value used for residence coverage . The standard homeowners policy uses a formula to determine coverage for personal property and it is normally adequate . If you have unique property you need to discuss that with your agent . Often overlooked , the liability coverage you select and price should be as high as you can afford . A lawsuit can ruin your financial world .


Input: How Much Home Insurance Do You Need?

Output: This is really a loaded question . The right coverage amounts for each person rely on factors such as : 1 -RRB- the value of your home , 2 -RRB- the amount of contents/personal property coverage you need to properly insure your belongings , 3 -RRB- if your situation requires that you include additional coverage options for items such as scheduled jewelry or other expensive items , 4 -RRB- if you have a pool and/or a trampoline . Additionally , the type of policy you purchase can impact your coverage amounts as well . A broader replacement cost policy will probably include and might even require higher coverage limits than a more limited actual cash value policy . Because of the multiple factors that are in play for each specific homeowner , using a broad-brush approach is n't suggested when reviewing home insurance coverage options . We suggest that you review with a professional independent insurance broker that has the coverage options available to properly insure your home and belongings .


Input: How Much Home Insurance Do You Need?

Output: Most companies will be looking to `` Insure to Value '' meaning that your Insurance Professional will inspect your home and complete an accurate reconstruction analysis to determine the proper amount of coverage to recommend . Insuring to the calculated reconstruction value means that you wo n't be over insured or pay too much for coverage you do n't need . It is also necessary in order to be sure that the Guaranteed Replacement clause will apply .


Input: How Much Home Insurance Do You Need?

Output: That is an excellent question ! The first thing that I would tell you is to find a good agent to help you with this . You will want to have a good idea of the value of your belongings , and decide whether it is better for you to pay more , and get replacement value -LRB- paid for new -RRB- or pay less , and get actual value -LRB- paid , but minus age and depreciation values -RRB- . You will also want to have an idea of whether you have a collection , or items that might need to be specially insured . Again , a good agent can help you with those decisions . Good luck , and thanks for asking !


Input: How To Purchase Life Insurance Online?

Output: Chris has some great advice for purchasing Life Insurance online . After doing this exclusively for 12 years , I can zip through the questions pretty fast and give a pretty accurate ballpark of what your best rate will be . But it still takes some time and us agents HAVE to cover certain details with you , or our quote is just a GUESS . And that guess is not what your policy is going to end up costing . Once you have found the best policy to apply for , the process is different for each product . A good online agency will inform you of the next steps and consistently guide you through it until there is a policy in your hand .


Input: How To Purchase Life Insurance Online?

Output: If you decide to buy life insurance online , let me clarify one important point about the cost . Whether you go to my website , any other insurance website , or meet with any agent in the country , the price for a particular insurance policy will be the exact same , regardless of where you buy it . Life insurance premiums are fixed by the insurance company and no one is given preferential pricing . I think it can be helpful to do some initial research online , but it is of utmost importance to discuss your particular situation with a knowledgeable agent . You can run insurance quotes on many websites , but the cost is only an estimate until the insurance company approves your rate class and the policy . I have seen several instances where someone sees a low price , goes through the application process , and gets a different rating than they applied for . Then the premium is much more expensive than what they first saw . This could have been prevented by speaking with an agent first who can do some preliminary underwriting and guide that client toward a company that will offer the highest rating and lowest premium for their unique circumstances . My advice for purchasing life insurance online would be to work with a knowledgeable advisor who can help you sort through the many options . The price will be the same and the advice and guidance will be free .


Input: How To Purchase Life Insurance Online?

Output: There are several online portals that sell life insurance direct to consumers . Online purchasing is predicated on the consumer knowing their medical condition , which is rare . Because of the inaccurate health descriptions consumers give to online portals , many if these policies are not issued as applied for resulting in 35-40 % not taken applications . No one should purchase online life insurance without their full understanding of the questions asked on the application and the medical requirements necessary to secure the best coverage .


Input: I Have 2 Roommates In An Apartment. Do All 3 Of Us Need To Get Renters Insurance?

Output: Talk to your Insurance Professional , but in my experience , yes , you would each need to obtain your own policies . Though you all will be living together and no doubt sharing some of each other 's things , none of you have any `` insurable interest '' in each other 's personal property . The above examople of a loss to three separately owned TV 's is a very good example . Likewise , if one of your room mate 's negligence causes property damage or injury to another person , the fact that you happen to share an apartment does not necessarily hold you and your other room mate legally liable for the action of your buddy . That person 's policy and insurance company claims professional then would be handling the claim , not yours .


Input: I Have 2 Roommates In An Apartment. Do All 3 Of Us Need To Get Renters Insurance?

Output: That is a great question ! Yes , is the short answer . Your roommates insurance company will not pay you for your stuff , or house you , if something were to damage the apartment enough to force you out of it . They will only pay for whomever has the policy , and whatever they have covered under their policy . The rest of you would be out of luck . Nor would they cover your part of the expenses if it was from your apartment that the fire , smoke , water , etc. damage originated . Only the person with the liability coverage will be helped . Protect yourself , and get a policy . They are relatively inexpensive , and can be a Godsend should there be a problem in your home , or with your stuff . Thank you for asking !


Input: I Have 2 Roommates In An Apartment. Do All 3 Of Us Need To Get Renters Insurance?

Output: Renters insurance premiums take into account the value of the property being insured . So your roommates valuables may send your premium up . While a specific dollar amount isnt assigned to each of your valuables , the insurance company will use everything you inventory as insurable to determine the overall price of your policy . So more stuff makes for a higher premium . While you might still think splitting a higher premium is cheaper than paying your own , consider the drama of deciding your portion of the deductible and dividing up the payout . Its most prudent to purchase separate policies in order to keep your finances separate .


Input: I Have 2 Roommates In An Apartment. Do All 3 Of Us Need To Get Renters Insurance?

Output: This information is based on knowledge on the most basic level : Yes you do . Typically in insurance , if you do n't own something , you ca n't insure it . So for example if each of you have a TV in their bedrooms , and a fire destroys the TVs , one person 's insurance may not claim all 3 TVs because he did not own all 3 TVs . You may typically only insure what you own based on Michigan insurance guidelines .


Input: I Have 2 Roommates In An Apartment. Do All 3 Of Us Need To Get Renters Insurance?

Output: Yes you would need to have all 3 occupants have their own insurance policy unless the insurance company would be willing to write all 3 of you as a named insured on the policy . If all 3 of you are listed as a `` named insured '' than coverage would be provided for all 3 named insureds .


Input: How To Get A Lower Auto Insurance Quote?

Output: the most efficient way to get a lower auto insurance quote is to get quotes from several independent auto insurance agents . that way , you 're only contacting a handful of agents but can get quotes from dozens of companies . word of caution : if you 're getting a quote online , make sure the websites you get quotes from have a name , address and phone number listed . If not , you 're quoting with a lead generation site . lead generation sites do not sell insurance . they simply sell your information to insurance agents . you may find the lowest rate this way , but your phone will blow in the process . any legitimate agent will have their info listed on the website .


Input: Does Renting Your House Affect Your Homeowners Insurance?

Output: Homeowners insurance is designed to cover owner occupied homes . If you rent the property then you need to go to a policy designed for rental property . If a company finds out that you do not live in the property you will very likely be non-renewed . If your renter causes a fire there may be problems with a claim . Talk to your local independent agent about the proper coverage .


Input: How To Obtain Renters Insurance?

Output: If you are looking ot purchase renters insurance I would suggest first finding yourself a local agent that you are comfortable working with . After you have someone that you are comfortable working with , they will be able to provide you with infomation on the coverages that they have to offer and pricing associated with them .


Input: How To Obtain Renters Insurance?

Output: Also , if you have auto insurance , you may want to check with your agent or the company that you purchased that insurance through . Often times , you 're able to bundle renters and auto insurance together to make the policies both cheaper than if you were to purchase them separately .


Input: How To Search For Life Insurance On Deceased?

Output: To search for life insurance on a deceased person , start by looking through their financial records to see if you can find their policy , or any record that they bought a policy . If not , talk to relatives or friends who they may have told about purchasing a policy . Contact a local life insurance agency to see if a policy was bought there . If the deceased did business with one company , call that company to see if they have a record of the deceased person ever having bought a life insurance policy with them . If all else fails , you may have to wait a couple of years and see if it shows up as unclaimed property .


Input: Who Has The Cheapest Critical Illness Insurance In Michigan?

Output: The cost of Critical Care Insurance varies according to the age of the applicant , whether or not they use tobacco , their BMI , if they have a family history of certain illnesses , and whether they themselves have any health conditions . Therefore , what is the cheapest Critical Illness Insurance in Michigan for one person , may not be the cheapest for another . To find the cheapest quote for you , go to a website that offers Critical Illness Insurance in Michigan and call or visit them .


Input: Why Is Renters Insurance So Expensive In Montana?

Output: The average rate for renters insurance is 10 to 15 a month depending on the coverage you selected . There are many carriers that offer lower rates also combining and auto policy with renters will also lower it . In many cases it makes your renters policy nearly free . You need to call a local agent they can help you with your rating questions feel free to contact our office I will gladly help you or refer you to an agency they may have better rates if we are not competitive enough


Input: Who Is Covered Under Renters Insurance?

Output: The primary insured is covered . That person is named on the declarations of the policy . The wording in the policy usually extends coverage to your spouse , if living in your household . The coverage also extends to your children and domestic employees , anyone under the age of 21 who is in your care , resident relatives and your legal representative if you die while insured .


Input: Is A Credit Check Required To Get Life Insurance?

Output: That is a great question ! In the vast majority of cases , life insurance companies will not check your credit rating . In many cases your agreements section of your policy may give them the right to check , and if the value of the policy is high enough they might , but that 's pretty much the only times that I know of . Most often , it 's your medical history , your prescription history , and occasionally your driving record that they will check . Thanks for asking !


Input: Is A Credit Check Required To Get Life Insurance?

Output: Life insurance underwriters do not bother to check credit on smaller policies , but they may check credit on policies with a large face amount or large premiums . If the credit score is extremely bad , the policy may be postponed until some attempts have made to improve one 's credit score .


Input: Is A Credit Check Required To Get Life Insurance?

Output: Not all life insurance companies require a credit check , but it is a present trend in the industry . Youre ability to pay bills on time may reflect your ability to pay premiums on time . Some products , like guaranteed universal life may be time sensitive with scheduled premium events . Its important to know youre the companys procedures if your credit score is questionable .


Input: Who Is Responsible For Getting Auto Coverage If Someone Occasionally Drives Another's Car?

Output: In most states automobile insurance follows a vehicle . This is the policy that will apply if you borrow the vehicle and are involved in an accident . The owner of the vehicle can allow any licensed driver to operate the vehicle . Under those circumstances the coverage on the vehicle remains in force . If the vehicle is stolen there is not any coverage . The rate charged for the automobile insurance depends , in part , on the drivers who reside where the vehicle is registered . These drivers are considered the household of the vehicle . Their claims history and motor vehicle report will be scrutinized by the insurance companys underwriters . If a driver in the household is considered to be an unsuitable risk , the insurance company may offer coverage for the car only if the unsuitable driver is excluded from the policy . Under these circumstances the owner of the vehicle has relinquished the right for that excluded driver to operate the vehicle . That driver can not borrow the car without loss of all coverage . The vehicle is insured to the limits stated in the policy . Automobile insurers provide a range of insurance limits . This fact , alone , should alert vehicle owners to the fact that sometimes a claim can exceed the limits of the policy . A recent example is a car was struck by another driver who then caromed into a third car which rolled forward and struck another car , which then rolled forward and ran over a motorcycle operator . Two people left the scene by emergency vehicles . The chances are quite good that this accident will exhaust the limits of most insurance policies . The responsible operator is liable for damages beyond the limits of the policy . If you are the casual driver of a car owned by someone else you need to understand that the coverage available is set out in the insurance policy for the automobile you are borrowing . If you are involved in an accident and the damages exceed the limit of the policy for the automobile concerned , your own insurance policy on your own automobile may provide coverage in excess of the coverage from the damaged vehicles insurance . This combination of coverages means that there is probably more coverage when you , the occasional operator , are driving then otherwise . This doesnt relieve the occasional operator from any responsibility . It would be wise to make sure that there is adequate insurance on the vehicle you are borrowing . Sometimes there is an expectation that the occasional operator is providing insurance . Worse would be the situation where you damaged the vehicle and there wasnt any physical damage coverage and the owner expects you to repair the vehicle . This could be the case if the deductible was out of reach for you . It is probably wise to discuss this with the owner of the vehicle before you borrow the car . This would be particularly true if you planned to borrow the car often or even periodically . Relationships can be damaged severely by an automobile accident . These expectations can work both ways and the occasional operator can expect that certain coverages are in place , such as medical payments , that may not be on the policy .


Input: Why Should A Landlord Require Renters Insurance?

Output: A landlord should require all of their renters to have renters insurance for many reasons . The first being to help protect the landlord and the tenant from possible liability claims that may occur on the premise that is being rented . It will also make for a happier tenant and landlord by providing coverage for the tenants personal property . Contact a local agent to discuss coverage and cost of available policies .


Input: Why Have Universal Life Insurance?

Output: Because , under the right circumstances and with the right carrier , you can outperform whole life 's growth by buying universal life . Universal is tied to certain market activity , which can permit additional growth over the carriers general fund . However , in down markets , it permits loss , which can actually cause an increase in the premium . There is , however , an easy way to prevent any such loss . Buy Indexed universal life . It provides a slight decrease in the market 's appreciation in exchange for a guarantee that you will never lose money when the market drops . Your funds are locked in annually . Talk with your agent . Thank you . GARY LANE .


Input: Why Have Universal Life Insurance?

Output: One reason to have Universal Life Insurance is because it can be a low cost way of having lifetime coverage . Some UL policies are designed with very low cash value , so that your premium goes to keeping the policy in effect for a long time , vs building up cash value . If you plan to never borrow from your policy , using Universal Life for permanent coverage can be a cost effective choice . Another good use for Universal Life Insurance is retirement income . Using Indexed Universal Life , you can over fund your policy and then borrow from it during your retirement years . Because IUL takes advantage of modest market gains , but protects you from losing more than you started with , Indexed Universal Life can be a favorable retirement financial product . Finally , UL has the advantage of being adjustable . In essence , one policy could be adjusted to meet the differing needs over one policy holder 's lifetime . This is a big plus over Term life insurance , that is very rigid .


Input: Can I Claim CPAP On Medicare?

Output: If you have been diagnosed with obstructive sleep apnea , you can claim the Cpap rental as Medicare expense , if the Cpap therapy is found to be medically necessary for treatment of your sleep apnea . After 13 months of renting the Cpap machine , you normally will own the machine , but still can be reimbursed for Cpap supplies .


Input: How Many Health Insurance Companies Are There In The US?

Output: There are quite a few health insurance companies in the US . The biggest ones -LRB- or some of them -RRB- are UnitedHealthcare , Wellpoint , Cigna , Humana , Aetna and Independent Blue Cross . There are many smaller carriers such as Assurant and Celtic and regional carriers such as Geisinger . UPMC and Highmark are two big companies in Pa. . The number of top-notch carriers to consider is between 50 and 100 as a rough estimate .


Input: What Is Annuity Value Protection?

Output: Annuity Value Protection is a product specific feature . Meaning that it is a term specific only to certain companies/products . Usually , it refers to a feature that `` locks in '' returns at a certain point . Usually it is in reference to the gains of a living benefits rider such as a Guaranteed Lifetime Income Rider . If your annuity has this feature be sure to have your agent or the company explain it in full . Then review it on a yearly basis .


Input: What Is Indexed Universal Life Insurance Policy?

Output: That is an excellent question ! An indexed UL policy is a type of permanent life insurance . This type of policy carries a higher amount of risk than a traditional whole life policy . In a traditional policy , your death benefit is guaranteed , and your premium payments are usually set , and unchanging . In the indexed policy , the death benefit is created by an interest rate that is tied to an outside index , usually the Dow , or the S&P 500 . As the market moves , so does the interest rate that your policy earns . The rates are usually capped on the high side , and may or may not have floors on the bottom end . This means that your policy may or may not increase in cash value , and your premiums may or may not have to increase to keep the policy active and in force . This type of policy has a lot of moving parts , and is , in my opinion , left for those with higher risk tolerances , good liquidity , and the understanding of , and time to follow , the markets . I rarely recommend this product . I hope that helps , thanks for asking !


Input: What Is Indexed Universal Life Insurance Policy?

Output: An Indexed Universal Life Insurance policy gives you the chance to have part of your life insurance premium allocated to a fixed account or an equity indexed account -LRB- s -RRB- . While the return may not be as high as with a variable product , you are protected from returns less than zero .


Input: What Is Indexed Universal Life Insurance Policy?

Output: The cash value of any whole life policy earns interest . The amount of interest is contractual in a whole life policy . That interest rate reflects the companys anticipated earnings . An indexed universal life looks to an established external index to determine the interest rate . This could be the Dow Jones Average , Standard and Poors or several others . These indexes then provide the insurance company with the interest that they are to apply to the policy . The interest rate isnt guaranteed , although some policies will not charge negative interest if the index dips below zero .


Input: What Is Indexed Universal Life Insurance Policy?

Output: What is an indexed universal life insurance policy ? An indexed universal life policy is a form of permanent life insurance with some variable features that allow you as the insured , the ability to mix the investment side of the plan into your `` own '' investment plan . In other words you pick from the investment choices allocate as you see fit and you may or may not be as successful as the professionals who would normally do the investing .


Input: I Am A Hypnotherapist And Heartmath Biofeedback Provider, How Can I Be Approved For Health Insurance Reimbursement?

Output: I would first advise you to check with your state 's office of the insurance commissioner to see if they 've determined that your profession can be paid through insurance . Each state is different in what they consider a `` provider '' of healthcare . Next call would be to some of the insurance companies to see if they contract with providers of your service .


Input: How Much Does Medicare Pay For An Echocardiogram?

Output: The short answer is yes it covers echocardiogram under Part B. Does it cover the costs in full-the answer is no . If you have original medicare then 80 % is paid by medicare and you have to pay the 20 % if you do not have a medicare supplement / If you have Medicare Advantage you have to pay the $ 50 specialist charge plus the company that you are covered by may only pay a percentage of the charge and you have to pay the balance . How to know what yuo have to pay before you go-call the company and ask them


Input: How Much Does Medicare Pay For An Echocardiogram?

Output: Yes ! Medicare will cover an echocardiogram . Your doctor must order/prescribe one.An echocardiogram is covered under Medicare Part B. Medicare will pay for about 80 % of the costs after the Part B deductible is met -LRB- $ 147 in 2014 -RRB- - you would be responsible for the other 20 % and the Part B deductible . Please note , when you first enroll in Medicare Part B , you open your 6-month initial open enrollment period to buy a Medicare supplement plan -LRB- a.k.a. Medigap plan -RRB- with NO MEDICAL UNDERWRITING ! . A Medigap plan can cover the deductibles and a portion or all of the other 20 % of expenses covered by Part B and features a number of other big advantages as well . An experienced broker can help find the plan that 's most suitable for you and your budget . Please let me know if I can be of help . Thanks very much


Input: Does Home Insurance Cover A Toilet Leak?

Output: No . Home Insurance is not intended to cover a toilet leak . Typically the cost to repair such a leak is minor and Insurers expect the insured to take care of that on their own . Youcan get a warranty policy to cover major systems in the home . Home owners insurance covers areas like vandalism , fire , storm damage etc and tends to focus more on the structure of the home than the minor repairs that result from normal wear and tear . Plus most home owner polices have a deductible that must be paid before claims are paid . If the repair is less than the deductible it makes more financial sense to just fix it .


Input: Is Homeowners Insurance Transferable?

Output: Generally not . Home insurance is individually underwritten , meaning that the cost of coverage is not only dependent on the property being insured , but also dependent on the individual insured . Age , occupation , credit , smoker or non-smoker , animals owned , prior claims can all factor into the cost . So typically you will need to obtain a new homeowners insurance policy when buying a home rather than taking over the seller 's policy .


Input: Is Homeowners Insurance Transferable?

Output: The answer as to the `` right to transfer '' coverage is specifically addressed in the policy conditions and it generally limits transfer . In the conditions section of your policy the insurance carrier rejects a transfer of the policy without their consent for all the reasons and others not mentioned in Ken Boncela 's answer to this question . All carriers administer this provision differently but generally speaking a transfer from wife to husband , or from husband to wife is typically granted without the need to rewrite the policy . If your name appears on the policy with others the carrier may require a statement signed by the other party to disclaim the interest in the policy of the others named in the declaration page , but a new policy is n't generally required in this instance either . This type situation is one that may come up when a house is owned jointly by family members but not insured as a business or partnership name . As a general rule of thumb , transferred policies carry with the coverage , the accumulated experience of the previous owner -LRB- s -RRB- so for you , it might be better to shed the past and start anew on a policy issued in your name alone . In almost every other instance , transfer is rejected and a new policy is required .


Input: When Can You Switch Auto Insurance?

Output: You need not wait until current insurance expires to replace it with another carrier . In the past there was a penalty assessed if you cancelled prior to the cancellation date , however , most carriers have dropped that practice . Occassionally you will find a policy that has a `` minimum earned premium '' clause which means that they will always retain at least that amount of the premium regardless of the date of cancellation .


Input: Does Health Insurance Pay For Cord Blood Banking?

Output: Banking cord blood is a relatively new procedure . If treatment for the baby is imminent and planned , it is entirely possible your health insurance plan will cover the cost of banking the cord blood . But if there is nothing planned , I do n't expect your health insurance plan will cover that procedure . Ask your agent or carrier for advice .


Input: What Percentage Of My Income Should I Save For Retirement?

Output: What percentage of your income that you should save for retirement depends on your retirement income objective . In Canada the maximum you can contribute to you Registered Retirement Savings Plan is 18 % of your previous years income . In 2014 the limit is $ 24,270 and in 2015 it is $ 24,930 . That is the maximum contribution you can deduct , how much you should save in total is based on you individual objectives . If you have further questions please do not hesitate to ask . Additional information on retirement planning is available at www.retirementplanningchecklist.ca


Input: Can You Borrow From 457 Retirement Plan?

Output: You can borrow from 457 retirement plans . The minimum loan is $ 1,000 and the maximum is set by the IRS . There are also loan interest rate charges to consider . You can generally borrow once a year . The loan is generally set to be repaid no longer than five years . There are cautions when you borrow from any qualified or non-qualified plan like 457s .


Input: How Much Is Renters Insurance For A Business?

Output: Obviously businesses come in many different sizes and often they are tenants of buildings . If you are a small business contact an insurance agent that handles a Business Owners Package -LRB- BOP . -RRB- This is a package of property and liability insurance and will satisfy your landlord . There are some businesses that do not fit into the BOP and for them there are commercial packages that are tailored for their unique situations .


Input: Where Can I Park My Car Without Insurance?

Output: On privately held land such as your garage or back yard would be acceptable . If you park on your drive way , you could potentially still be cited if someone were to check . The safest thing to do is to non-opp the vehicle in the event that you do n't want to purchase insurance for your car .


Input: Who Can Get Disability Insurance?

Output: Most people who earn an income can purchase Disability Insurance . Some things that could cause applicants to be denied for private Disability Insurance coverage are existing health conditions that have a greater than normal chance of resulting in a disability -LRB- such as MS or rheumatoid arthritis -RRB- or high risk occupations .


Input: Can I Cash In My Term Life Insurance?

Output: Only a few term insurance policies develop cash value . A whole life policy develops cash value to offset the increasing premiums in the later years of life . Those term policies that do have cash value often set rigid requirements on receiving the cash . Read your policy carefully and contact an agent who represents the company that issued the policy .


Input: Can I Cash In My Term Life Insurance?

Output: Can you cash in your term policy ? Yes you can , if your term policy has any cash values -LRB- some older ones do , as well as return of premium policies -RRB- and or any premiums paid in advance . You would do this by contacting the company in writing and signing off on the date you request .


Input: Can I Cash In My Term Life Insurance?

Output: If by asking if you can cash in your term life insurance , you are asking if you can drop your term life insurance policy , the answer is yes . But there will usually be no cash to collect . Term life insurance will end , or lapse , on its own when premiums go unpaid for longer than two months .


Input: Can I Cash In My Term Life Insurance?

Output: Adding to the other comments , if your term insurance was purchased in the last few years , it is possible you have a term policy that is built on a Universal Life platform . These type of term policy do have some all cash value built into them . You may or may not get any cash back . Talk to your broker or contact the company for more details if your not sure .


Input: Can I Cash In My Term Life Insurance?

Output: Term insurance typically gives you only life insurance protection , and no cash benefits , but one can purchase a plan that gives back , known as ROP , or return of premium . There is a vesting period , and you need to check with your carrier as to the specifics as to how it works . Also , some companies offer dividends on their plans.Although , a rarity , again check with your company .


Input: Does Medicare Part B Cover Diagnostic X-Ray And Lab?

Output: Medicare Part B covers 80 % of diagnostic X-ray and labs that are ordered by a physician as part of an outpatient setting . If you are an inpatient , these are covered under your Medicare Part A hospitalization bill . There are ways to reduce the 20 % you would owe under Part B. Speak to your local agent to determine whether a Medicare Advantage plan or a Medicare Supplement makes the most sense for your situation .


Input: Does Medicare Part B Cover Diagnostic X-Ray And Lab?

Output: Diagnostic and lab tests are covered under Medicare Part B. Medicare will pay for 80 % of the Medicare-approved amount for the expense after the Part B deductible is met -LRB- $ 147 in 2014 -RRB- - you would be responsible for the other 20 % and the Part B deductible . Please note , when you first enroll in Medicare Part B , you open your 6-month initial open enrollment period to buy a Medicare supplement plan -LRB- a.k.a. Medigap plan -RRB- with NO MEDICAL UNDERWRITING ! . A Medigap plan can cover the deductibles and a portion or all of the other 20 % of expenses covered by Part B and features a number of other big advantages as well . The big advantage of this is it enables you to create a very predictable heatlhcare expense structure -LRB- crucial for persons on a fixed income -RRB- reducing your exposure to large medical bills if/when you have medical treatment . An experienced broker can help find the plan that 's most suitable for you and your budget . Please feel free to contact me for help . Thanks very much .


Input: Can I Have Out Of State Car Insurance In Montana?

Output: When you move to Montana and register your car in the state then you have to switch your insurance to Montana . If your car is still registered in another state then you can keep that insurance providing it has the same limits or higher Montanan liability limits for minimum are 25,000 / 50,000 / 10,000 But If you have moved to Montana then you need to register your car in Montana you have I believe 30 days to register your car in the state once you have moved here .


Input: What Is The Exclusion Ratio In Annuities?

Output: The exclusion ratio usually refers to taxation of the payments or proceeds . What they do is take what you paid in , divided by what you are paid out . This will come up with a percentage ratio . This ratio will be applied to the funds paid to you and that portion of the funds would be ` excluded ' from taxation . Consult with a tax professional to see how this may apply to your individual situation .


Input: What Happens At A Life Insurance Exam?

Output: What happens at a life insurance exam depends on your age , the life insurance company , and the face amount of the policy for which you are applying . If you are young and applying for a small policy , it is possible that all that is needed is answering of medical questions , or a urinalysis along with that . For most people that apply for a medically underwritten life insurance policy , a blood and urine sample are taken ; measurements , weight , blood pressure , pulse , etc are taken ; and health questions are covered . For middle aged to senior persons , a resting EKG may be added . For very large face amounts , the requirements may add include a treadmill EKG for older persons , or possibly a full exam by the applicant 's physician .


Input: What Happens At A Life Insurance Exam?

Output: They take your height , weight , blood sample and urine sample potentially , then go over a few simple questions regarding your health . If you may have indicated that you were a smoker until relatively recently -LRB- quit within the year -RRB- on your application , then perhaps a mouth swab will be taken to verify that you have , indeed , ceased smoking . Obviously , the more experienced the examiner the quicker and more hassle free the process /


Input: Can You Buy Car Insurance Without Owning A Car?

Output: Yes , you can . Some carriers provide insurance coverage called `` Non-owned auto '' . This a liability only coverage . Which means that it will not provide coverage for damage to a vehicle that you are driving only damage to the other party 's vehicle if you are responsible for the damages . Contact a local agent to find out about availability and cost of this coverage within your area .


Input: Who Can You Add To Your Auto Insurance?

Output: You can add immediate family members to your policy if they reside at the same address as the insured . You could also add a spouse to your auto policy if they reside at the same address . Every state sets it own regulations regarding insurance . To best find out about the regulations within your state either look at your states office of commissioner web site or contact a local agent .


Input: Who Can You Add To Your Auto Insurance?

Output: Typically , whether you live in Ohio , California , New York , Texas , or any other state , there will be restrictions regarding who can be added to your car insurance policy . Certainly , you must be a licensed driver , although a dependent living in the household can often be covered while they have their temporary license . An experienced broker can quickly advise you who can be added and who ca n't !


Input: Who Can You Add To Your Auto Insurance?

Output: Anyone living in your household who as access or driving privileges to your autos should be added or excluded from your policy . Any one who does not reside in your household does not need to be added . However you want to check with your insurance provider to see if your policy has permissive use and if so at what limits of coverage 's .


Input: Can Auto Insurance Be Backdated?

Output: You ca n't backdate a new policy , but you can backdate coverage on a new car . If you already have an auto policy and you purchase a new car -LRB- for most policies -RRB- you have coverage , even if your agency is closed . Let 's say you buy the car on Friday night and ca n't call your agent untill Monday morning.He / She adds your car on essentially backdating the policy to Friday . Even if you have an accident over the weekend , you would be covered . Please check with your carrier as not all carriers do this .


Input: Can Auto Insurance Be Backdated?

Output: A New policy being written for auto insurance can not be back dated unless there was arequestto bind and singed documents and the agenterredby not issuing the policy . This would be extenuating circumstances . In other words you can not go to an agent and ask to have a policywrittentwo days back for example .


Input: What Is A Whole Life Insurance Policy Worth?

Output: A whole life policy is a promise . It promises a benefit to those that you love in the event of you untimely death . It is a promise to accumulate money so that you have the option of surrendering the death benefit coverage and taking a guaranteed cash sum . It is a promise to give you a loan without any preconditions any time that there is cash in the policy . Ultimately it is peace of mind and a very good financial planning tool .


Input: What Is A Whole Life Insurance Policy Worth?

Output: A Whole Life Insurance Policy has financial worth to the beneficiaries of the policy as well as the secondary life settlement market . A Whole Life Insurance Policy can have cash value financial worth with guaranteed cash value accounts and the possibility of dividends , which is return of unused premium up to basis . The value may have collateral benefits as well as an asset . Now whether a whole life insurance policy is the correct policy for you will need to be assessed by the financial suitability for you . Financial suitability is based on your financial profile , risk tolerance and economic goals .


Input: What Is A Whole Life Insurance Policy Worth?

Output: The value of a whole-life insurance policy depends on many factors , including the premium that has been paid , the amount of guaranteed cash value that hasaccumulated , and what dividends -LRB- if any -RRB- have been paid and how they have been used . Whole life premiums are much cheaper when you are younger . An experienced broker can provide multiple quotes , free information and expert advice for you .


Input: What Is Lifetime Loading On Private Health Insurance?

Output: G'day mate , you nearly had me stumped with this question . Lifetime loading is a feature of the Australian health insurance system and not a part of health insurance plans sold in the United States . Down under , if a person over age 30 does not purchase private health insurance they will become subject to a premium penalty -LRB- or loading -RRB- of 2 % for each year they have delayed in purchasing private health insurance . For example , Mr. Dundee waits until he is 35 to buy private health insurance . He has waited 4 years past being age 30 and his monthly premium as a 35 year old will be inflated by 8 % -LRB- 2 % x 4 years -RRB- above what the premium would have been for someone who has had coverage since they age 30 . This legal approach is designed to incentivize Australians to purchase private health insurance .


Input: Can You Have Two Health Insurance Plans?

Output: It is often quite possible to have two health insurance plans at the same time . Most often this is the case if you have your own plan and are on your spouses plan as well . However , it is rarely cost effective to do so . While you will be paying both insurance companies premiums based off them paying their portion of your coverage , they will not pay over the total cost of the procedures or visits . Most of the time , you will be overpaying the second insurance for the coverage that they are giving you . The exception to this would be a plan that is designed to be a secondary insurance plan to cover the deductibles and/or copays of the primary plan .


Input: Can You Get Health Insurance For Just Your Child?

Output: Yes.You would be talking about individual health insurance in this circumstance and as the open enrollment period for individual health insurance closed on March 31 , 2014 you would have to experience a qualifying event in order to enroll your child before January 1 , 2015 . The most common examples of a qualifying event for this purpose would be marriage , divorce , moving to another state or outside of your current carrier 's service area orloss of employer based coverage . If a qualifying event is not part of your current situation then you might consider a Short Term Major Medical policy for coverage for your child . There is minimal underwriting involved with such polices and they are generally quite affordable . This could be the best bridge to carry you over until the next open enrollment period unless your child would qualify for coverage under Medicaid or the Childrens Health Insurance Program . If you need assistance in obtaining Short Term Medical insurance please feel free to contact me .


Input: How To Track Down Old Life Insurance Policies?

Output: In olden days , this was quite a chore . Fortunately , many resources are now available . With a little digging , odds are you can come up with the policies . Here are some resources for you : Personal records Safe-deposit box , file cabinets . Also go through bank statements to find debits from insurers . Organizations Former employers , unions , fraternal organizations , and professional organizations all may have sponsored policies . Insurance companies People often buy life insurance from the same companies from which they purchased auto and home insurance . State insurance departments Some states have created online databases to help find policies . Policy locater services I have no personal experience with any of these , but I know they exist . They typically charge a fee . WEBSITELINK WEBSITELINK WEBSITELINK Here is a good overview for you from Consumer Reports : WEBSITELINK Let me know how it goes !


Input: How To Track Down Old Life Insurance Policies?

Output: Great question ! One of the best ways to look for a lost policy is to go to sites like findmypolicy.com or the MIB website . Both charge for their services , MIB if I remember right is $ 75 . You can also check with your State 's Unclaimed Property Department , in the event that the policy was unclaimed . If you have access to bank records , look for cancelled checks that were paid regularly to an insurance company . Cross your fingers , and say prayers that the policies were n't term policies , or allowed to lapse . If you need help , please contact me , Id be happy to help . Thanks for asking !


Input: What Is Wrong With Fixed Annuities?

Output: The biggest complaint with Fixed Annuities is the `` Surrender Charges '' . Some of these charges can last as long as 15 years . You can avoid these by choosing a shorter period as they go as low as 5 years . Many Fixed Annuities allow for up to 10 % free withdrawls after the first year . This withdrawl might solve the liquidity as well . The other problem has been the amount of growth of your asset . You might feel left out of high growth market conditions because of `` Caps '' or `` Participation Rates '' . Your annuity might have a very low cap of the crediting of the current market growth such as 4 % . The market could go up 15 % to 20 % and you could feel left out . You should compare the long term benefit such as the protection when there are market drops and the annuity stays at baseline and you do not lose . A fixed annuity is a long term place for money with a lot of safety . You should consider the potential protection versus the potential growth of products with more risk .


Input: Why Buy Whole Life Insurance?

Output: Great question ! There are a couple of good reasons why a whole life policy might be a better choice than a term policy . The first is to ensure that there is money to pay for your final expenses , no matter how long you live . Many of the popularly advertised term policies end at the age of 80 . What happens if you live beyond 80 ? A whole life policy protects against that . Another reason is that if your health were to seriously decline , a whole life policy stays in effect . The changes in your health may prevent you from getting another term policy , or greatly increase its costs . A third reason would be to ensure the passage of tax free wealth to your survivors . You can outlive a term policy , and have nothing to pass on , where a whole life policy will guarantee that the money passes to your beneficiary . If you have more questions , please feel free to contact me , I 'm happy to help . Thanks for asking !


Input: Why Buy Whole Life Insurance?

Output: Whole life insurance is a great vehicle for planning for the future . The premiums and death benefit remain fixed and guaranteed for life while the policy can build cash value at a great rate - this structure is known as a non-participating whole life policy . The other type is called participating whole life policy . These policies can pay out dividends which can be used in several ways : 1 -RRB- Decrease the premium - the premium would eventually hit $ 0 at some point and the policy would , in essence , be self-sustaining meaning the dividend is equal to or greater than the premium for the program -LRB- if greater , the difference can be used to increase the cash value or increase the death benefit -RRB- 2 -RRB- Purchasing paid-up additions - these additions increase the face amount of the policy 3 -RRB- Increase the cash value at a faster rate The question of whether whole life insurance makes sense for you depends on the need for the coverage . If you want to use it in the form of a retirement vehicle , you would want to take out the policy when you 're young to give it time to grow . If you are buying purely for the death benefit , I recommend you look at purchasing a Guaranteed Universal Life policy -LRB- these policies maximize the death benefit and minimize the premium as they do n't focus on the build-up of cash value -RRB- . If you only need the coverage for a set amount of time -LRB- e.g. 20 years -RRB- , then you may want to look into term life insurance . While whole life has many advantages , it is also the most expensive form of life insurance . Consult with an independent insurance broker to find out which program is appropriate for you - brokers can also look at a variety of options from multiple carriers rather than just one .


Input: Why Buy Whole Life Insurance?

Output: Because it lasts forever and also accumulates cash value . The premium never increases . If you pay it , you will have life insurance forever . The accumulation can pay for your retirement , college education for the children , or down payment on a new home . Why risk having your term insurance run out when you have become uninsurable ? Yes , the initial cost is higher , but over time , it works out , because of accumulation . If you need financial assistance with it , how about getting both term and whole life , gradually increasing the amount of whole life as your income increases ? Thank you . GARY LANE .


Input: Can Expats Get Medicare?

Output: Generally , Medicare will not pay for health care or supplies you get outside the US . There are a few exceptions ; details can be found at : WEBSITELINK . Normally the term `` Expat '' -LRB- Expatriate -RRB- refers to someone sent abroad from their employer - to a country other than their native country , for work . Typically an Expat employment arrangement would include appropriate comprehensive health insurance coverage within the destination country regardless of the Expats age , and Medicare coverage would not be necessary .


Input: What Is Disability Insurance Coverage?

Output: Disability insurance coverage is paycheck protection from prolonged illness and/or injury recovery periods that keep you from going to work . Most working Americans have about 90 days in cash reserves , so a popular elimination period is 90 days , i.e. you tax free benefits begin after that waiting period .


Input: Who Is Universal Life Insurance Good For?

Output: Universal Life Insurance is good for persons who are looking for a low cost permanent policy that does not accumulate cash value . That is called guaranteed universal life . On the other hand , universal life can be good for people wanting to build up an accumulation of money to `` borrow from themselves '' on a tax favorable basis in retirement . That is called indexed universal life or variable universal life . Universal life is flexible , so is also good for people who want one policy to simply adjust during their lifetime .


Input: Who Is The Cheapest Car Insurance For New Drivers?

Output: The cheapest car insurance for any driver is the policy that is in force and pays the claim when an accident occurs , regardless of the premium . In California an inexperienced driver is assigned to one of the cars in a household . That makes the premium for that vehicle increase substantially . Avoid the temptation to eliminate or reduce coverages to lower the premium . That could make your auto insurance the most expensive if it will not pay a claim or will not make you whole .


Input: Who Is The Cheapest Car Insurance For New Drivers?

Output: That is a great question ! Unfortunately , since I have no idea where you live , or your age , I can not tell you who in your area is cheapest . What I can tell you is this - going cheapest on auto insurance coverage for a new driver is a mistake . The odds are much greater that you will be in an accident than for an experienced driver , and your accidents are typically more expensive . You really may want to think about saving anywhere but your policy , until you are a lot more comfortable behind the wheel . Spend the money the first year or so , you will be much better off , I promise you . If you would like some tips , please drop me a line , I 'm happy to help . Thanks for asking !


Input: Who Is The Cheapest Car Insurance For New Drivers?

Output: The cheapest car insurance for new drivers will potentially save hundreds of dollars . To get the best rate , it 's important to utilize an experienced broker that will research , compare and show you the best prices . That 's our job and we use our expertise and websites to find the best offers . Naturally , where you live , the type of car you drive and driving record will impact your savings .


Input: What Does A Proof Of Auto Insurance Look Like?

Output: If you have auto insurance you will get at every renewal a declaration page showing your coverages and a card or paper showing that you have insurance It will have the name of the company and the term of the policy , either one year or six months . You should have this in your glove box or wallet at all times .


Input: How Much Life Insurance Should I Have For My Children?

Output: When it comes to insuring your children , there is no magic number . You could insure them for as little as what you believe a funeral would cost , or you could insure them for a substantially higher amount . Most parents do n't want to think about profiting financially from the unfortunate death of a child , but buying life insurance on children while they are young could give the child the guarantee of having life insurance as an adult .


Input: How Much Life Insurance Should I Have For My Children?

Output: As Larry stated , that is up to you , whether you are getting the policy to just cover expenses if the unthinkable would occur , or if you want to pass on a substantial policy onto your child someday . One thing to take into consideration is whether any health conditions run in your family , such as diabetes , heart disease , etc. . If so , it is not a bad idea to get your child a larger policy , locking in their best health rating . It also depends on your financial situation . If you are pinching pennies , you could get one child rider on your own life insurance policy that will cover all your children . When they become adults they have the option to convert that into a permanent policy on themselves , rated Standard , no questions asked .


Input: Can An S-Corp Pay For Health Insurance?

Output: For the W2 employees and perhaps for dedicated 1099 contractors of an S Corporation the employer paying for or towards these employee 's coverage is quite straight forward . From a tax and accounting perspective its gets more complicated for persons who are more than 2 % eligible shareholders in the company . The bottom line is that company paid insurance premiums for more than a 2 % shareholder must be treated as wages to that owner/shareholder . So , the only way the S-Corp can deduct the amount it pays towards owner health insurance as a business expense is by including it as part of the shareholder 's salary . Owner -LRB- s -RRB- health insurance costs can no longer be declared as an insurance expense or employee benefit expense on the S-Corp 's taxes . The effect on the S-Corp 's net income is the same , but this does result in an increase in net taxable income for the owner -LRB- s -RRB- / shareholder -LRB- s -RRB- . It is possible that the owner/shareholder will recapture some of this by deducting it from their Adjusted Gross Income on their Form 1040 . However , the situation can be further complicated by various state laws that may not allow for a one-person corporation to purchase health insurance for the owner and effectively forcing them to purchase individual health insurance coverage that they pay for themselves . And , just to make things even more complicated , if the owner/shareholder or their spouse is eligible to participate in any other subsidized health plan they ca n't take the deduction from Adjusted Gross Income -LRB- AGI -RRB- on their 1040 for medical insurance premiums paid for by the S-Corp . So the answer to your question is sometimes `` Yes '' and sometimes `` No '' because a variety of circumstances can influence the answer . My advice is to seek out an experienced health insurance broker who can determine your specific circumstances and advise you on how to approach them .


Input: What Is The Average Amount Employees Pay For Health Insurance?

Output: Unfortunately it is impossible to give you a one size fits all answer to your question because there are too many variables involved . What employees pay towards their employer provided health insurance can vary wildly from business A located next door to business B . Then you have to take into account that employer contribution levels will vary with the size of the business , the industry type that they are in , the state the business is located in , they type of benefit plan they have and many other factors . Generally an employer can contribute anywhere from 100 % to a minimum of 50 % of the employee only rate to have a group health insurance contract in place . I wish I could give youa better answer , or even an answer , but as you can see from just some of the factors listed above , it just does n't work that way .


Input: What Is The Best Homeowners Insurance In Nebraska?

Output: That is a tough question to answer and say one is better than another . There are many great companies that offer home insurance in Nebraska from captive or one company agencies to independent agencies like myself . I was a captive agent for many years and thought that that company had the best policy and that is why it was priced higher than most . Well I was wrong , take the time to shop or find an agency that can shop multiple companies for you . You can find price and the proper policy . Pricing can change dramatically dependingon your personal factors age , credit , zip code claims and more . It is worth it to shop and find out what is the best fit for you and who you are comfortable working with as an agent or agency . I hope this helps and good luck Frank


Input: Will Medicare Be Around When I Retire?

Output: There is great political debate about the sustainability of Medicare and other government programs . Obamacare may reallocate some Medicare funds for the overall costs of national health insurance . If the disputes about Medicare were relegated to an actual budget based on the number of increasing retirees and decreasing working population , it appears headed for a short fall .


Input: Does My Spouse Have To Be On My Auto Insurance?

Output: You 'll also want to consider having her on your policy as the MARRIED rate is normally LOWER than the SINGLE rate . Showing your spouse will `` prove '' you are married . You might not want to let him/her drive your vehicle but that is between you and him/her . Also , if the spouse has their own vehicle , the `` multi-car '' discount will also save you money .


Input: Does My Spouse Have To Be On My Auto Insurance?

Output: In California all licensed drivers residing in the household must be included on the car policy . That information is more readily available and your insurance company and agent probably know about your wife and her driving record . She can , however , be excluded . In that case the insurance company is not obligated to honor any claim when your wife is operating the car . Of course , that is a very scary proposition .


Input: Does My Spouse Have To Be On My Auto Insurance?

Output: To the best of my knowledgein Wisconsin all licensed drivers within the household must be listed on your policy unless they have their own policy . Each state has it 's own regulations about auto insurance coverage and regulations change from time to time . I would recommend that you contact your local agent to find out what the requirements are within your geographic area .


Input: Does My Spouse Have To Be On My Auto Insurance?

Output: You are going to want to check your insurance policy for this answer . Most policies extend coverage for spouses . However , they also write into the requirements of the insured that you must list all of the drivers in the household and inform them of any changes to such . This can vary by state and sometimes by company , so you will want to verify with your local agent .


Input: How Do I Qualify For Medicare In Wyoming?

Output: To qualify for Medicare in Wyoming , you must be age 65 and have paid into Social Security taxes for 40 quarters -LRB- 10 years -RRB- over your working life , or you must have/had a spouse who did so . If you are under age 65 , you can get Medicare if you have been receiving Social Security Disability benefits for two years , if you have end stage renal disease , or you have ALS . All of the above have specific guidelines . See Medicare.gov for details .


Input: What Does Face Value Mean On A Life Insurance Policy?

Output: Face value is the death benefit of the life insurance policy . It is the amount that will be paid out at the death of the insured . The face amount can range from thousands to millions . This face amount is transferred at death to the beneficiaries of the policy with no income tax .


Input: What Does Face Value Mean On A Life Insurance Policy?

Output: The face amount of a life insurance policy is the amount of coverage that was purchased . If a loan was taken out against the policy , if the policy was graded , or if the policy had strong growth over many years , the amount that is paid to the beneficiary may be lower or higher than the original face amount .


Input: Does Progressive Have Home Insurance?

Output: In most states , Progressive Insurance offers Auto , Home Owners , Boat , RV and Umbrella policies . In California , my state , Progressive offers only Auto insurance . Progressive Auto Insurance tends to be very expensive in California . I 'm shocked at the amount of advertising dollars Progressive spends in the state when they do n't sell 4/5 products they advertise for .


Input: Does Everyone 65 And Older Qualify For Medicare?

Output: Almost everyone age 65 and older qualifies for Medicare . If you are a US citizen or legal resident who has at least 10 years of earned wages in the Social Security system you qualify for Medicare . You must have lived in the US for at least 5 years You may also qualify based on your spouse 's time in Social Security


Input: What Does The Renters Insurance Policy Cover?

Output: Renters insurance covers your property -LRB- both in your home and your car -RRB- , as well as providing liability coverage if someone is injured at your home and sues . Renters insurance also generally provides some type of payment for loss of use -LRB- paying your rent or hotel stay if your home becomes uninhabitable -RRB- , as well as medical payments if some is injured in your home .


Input: Does Critical Illness Insurance Cover Breast Cancer?

Output: A critical illness policy that covers cancer should consider breast cancer for claim benefit . The only type of cancers excluded under critical illness policies are the basic skin cancers like basal cell cancer . There are critical illness insurance policies that are scheduled out benefits such as a set amount for each procedure and there are policies that just pay lump sum upon diagnosis . If you can not locate your policy to read the specifics of your coverage , contact your agent or insurance company to be sure your claims are being processed correctly and you are receiving your benefits in a timely manner . God Bless .


Input: Does Critical Illness Insurance Cover Breast Cancer?

Output: It can if Cancer is named in the policy as one of the critical illnesses covered by the policy . Critical illness policies spell out which illnesses are covered . Most cover things like heart attack , stroke , and sometimes Cancer . most plans require Cancer be added as a separate rider .


Input: Does Critical Illness Insurance Cover Breast Cancer?

Output: Critical Illness Insurance will usually cover breast cancer , but it may not cover masses in the breast that are in situ -LRB- DCIS -RRB- . Some critical illness policies pay for lower stage cancers with a reduced benefit . Review your particular policy regarding their guidelines for breast cancer before purchasing your critical illness insurance policy .


Input: Does Critical Illness Insurance Cover Breast Cancer?

Output: Critical Illness Insurance will usually cover breast cancer , but it may not cover masses in the breast that are in situ or stage 1 cancer -LRB- or may pay less for breast cancer in the lower stages -RRB- . Review your particular policy regarding their guidelines for breast cancer before purchasing your critical illness insurance policy .


Input: How To Disenroll From Medicare Advantage?

Output: You 're generally locked into your plan until the next annual enrollment period -LRB- October 15 - December 7 of each year -RRB- when you can disenroll from your Medicare Advantage plan . There are other situations when you may be disenrolled from the plan including having a special enrollment period and electing to go back to Original Medicare -LRB- Parts A & B -RRB- during the MADP -LRB- Medicare Advantage Disenrollment Period - January 1 - February 14 each year -RRB- . Talk to your agent about what options are available if you 're looking to change your coverage .


Input: Is Krystexxa Covered By Medicare?

Output: Krystexxa is a medication used to treat gout and can be effective when other treatments have not produced the desired results . FDA approval for Krystexxa was granted in 2010 . In 2011 Medicare assigned a treatment code to Krystexxa . Krystexxa is infusion therapy , covered under Medicare Part B. Due to the cost -LRB- $ 60,000 per year -RRB- there may be limits placed on how many treatments will be approved by Medicare .


Input: What Does PCN Stand For On A Health Insurance Card?

Output: PCN stands for Processor Control Number . In short , this is one of the identifcation codes related to your prescription drug plan that the pharmacy needs to determine if the prescription will be covered under your drug plan and how it would be paid , if covered . I hope the information is helpful - please feel free to contact me for assistance with your coverage and if you have any further questions . Thanks very much .


Input: Does Renters Insurance Cover A Dog Bite?

Output: The answer is typically yes , but there are some Caveats > The typical renters policy is based on the ISO , Insurance Service Office developed HO 4 policy . So in effect a renters policy is more or less a homeowners policy without the house . Renters policies typically have a Section Two Liability Coverage which you review as to the limit of coverage and if there any significant restriction . Since dog bites are increasingly a major frequency issue for insurers , some have taken the position of carving out a restriction of coverage if certain dogs , dog breeds or size does not meet their standards . In Canada their are some Provinces have determined certain breeds to be against public policy and while they have not gone to putting down any dog of those breeds , but have taken the position that no new dog of certain breeds can be housed in that Province .


Input: How Much Is Individual Health Insurance In New Jersey?

Output: It varies from person to person . Your age , where you live , if you use tobacco products , and if you qualify for a subsidy to reduce your premium will determine how much a good policy is going to cost . Under the Affordable Care Act , you have the options for bronze , silver , gold , and platinum level plans -LRB- as you go up in metal , the price goes up , but provides better benefits -RRB- - some areas also have a catastrophic plan available . In addition , your age is a big factor as well . The younger you are , the cheaper your premium - the older you are , the higher your premium . Also , if you use tobacco products , your premium can be increased up to 50 % as well . All of the plans offer good coverage . A silver or gold plan are your middle of the road type of plans because they provide strong coverage at an affordable price . I always recommend consulting with an experienced health insurance broker before you apply for anything . We can help you determine the plan that 's going to be most suitable for your needs and budget . I hope the information is helpful - please feel free to contact me for help and if you have any other questions . Thanks very much .


Input: Does Allstate Sell Long Term Care Insurance?

Output: Allstate used to sell Long Term Care Insurance through one of their companies , Lincoln Benefit Life Company . In 2005 , Allstate made the decision to no longer offer new Long Term Care policies branded by Lincoln Benefit Life . At that time , they were exploring other third party carriers to continue offering Long Term Care coverage for Allstate .


Input: Does State Farm Sell Long Term Care Insurance?

Output: State Farm does sell Long Term Care Insurance . Their website describes the Long Term Care and Partnership Long Term Care coverage they offer . As of March ,2013 , State Farm suspended Long Term Care sales in seven states . For the time being , you can not buy a new Long Term Care policy from State Farm in California , Arizona , Nevada , New York , Connecticut , Hawaii and Indiana .


Input: How Much Should My Renters Insurance Cover?

Output: When you are considering renters insurance consider the following ; how will you handle a lawsuit if someone is injured in your unit ? How much would it cost to replace the things that would be destroyed if a fire raced through your unit ? How much would the additional cost be each month that you are forced out of your unit because repairs are necessary following a loss . With those answers in hand call an agent who will talk with you and walk you through this easy process . You might find exactly what you need for as little as $ 10 per month .


Input: What Is The Coverage Characteristics Of Disability Insurance?

Output: Some coverage characteristics of disability insurance include the length of time that the disability insurance would last , how much of the income it would replace , whether it covered partial or residual disability , whether it had future benefit increase options , and whether it covered the insured person 's own occupation so that the benefit would not end unless the insured person was able to go back 100 % to his/her old occupation .


Input: Does Medicare Pay For Aortic Valve Replacement?

Output: Medicare pays for heart surgery that is medically necessary . This would include aortic valve replacement . Aortic valve replacement is inpatient surgery . After the 2013 Part A deductible is met -LRB- $ 1184 -RRB- Medicare will cover most of your inpatient charges in full . Follow up care after discharge is covered under Part B and subject to the $ 147 deductible .


Input: Can We Claim Health Insurance From Two Companies?

Output: Why would you have two health policies ? Is one a supplemental to your base policy ? Generally a major medical policy will coordinate benefits if there is more than one policy in force on the same individual . I would consult your tax adviser as far as the ability to deduct both premiums but quite honestly you are spending a lot more than you need too if both are Major Medical . If you have a Major medical and a policy to supplement the major medical policy , designed to help pay your deductibles then my reaction would be yes you can . Verify this with your tax adviser however .


Input: Can We Claim Health Insurance From Two Companies?

Output: Yes , but you will never receive more than 100 % coverage as making a profit from having multiple health insurance policies is prohibited . In today 's world the circumstance you describe would most likely come up in the situation where a married couple both have employer provided health insurance and one , or both , is covering the other as a dependent on their employer 's health plan . Technically you could double cover each other with individual health insurance policies but this would probably be financially prohibitive from a premium cost perspective . Anyways , in the event someone is double covered , the two different health insurance companies will have to determine order of payment -LRB- which company pays first on the claim -RRB- which is usually based upon the person who is born earliest in the year , then they would do what is called `` coordination of benefits '' where the second carrier would pay on the unpaid portion of the claim .


Input: Does Dave Ramsey Recommend Whole Life Insurance?

Output: Daves public posture towards participating whole life insurance has been very negative . To be fair , he does n't appear to value any permanent form of life insurance . He believed in debt reduction , mutual fund investing and term life insurance to cover your indebtedness . Daves target market seems to be the middle class , so his approach has some merit .


Input: Does Knights Columbus Offer Health Insurance?

Output: This is an awesome question . Employers will normally dictate what qualifies an employee to have benefits , normally it is based on amount of hours worked , whether you are full or part time , and there may be a waiting period . I tell everyone that you can apply for your own health plan and if you change careers you wo n't have to worry about your health plan terminating because you change jobs .


Input: Will Medicare Cover A Walker?

Output: Yes , Medicare will cover a walker that is ordered as medically necessary for you by a doctor who is enrolled in Medicare . It will be paid for by Medicare Part B as durable medical equipment -LRB- DME -RRB- . The walker may either be rented or purchased . A 20 % co-pay will be charged .


Input: Why Is Having A Retirement Plan Important?

Output: When you consider that the life expectancy of the average American continues to increase each decade , the odds are your retirement period will be no less than 20 years . Most Americans will need more income than Social Security can provide , especially with medical and extended care cost that can exceed six figures during retirement . How you save today will determine your lifestyle tomorrow .


Input: What Is Needed For Car Insurance Quote?

Output: Great Question . Most insurance companies will ask year of the vehicle , Vin number of the vehicle . how many miles driven a year , what is the address the vehicle will be parked at night , Driver information . date of birth , driver license number , married or single and what coverage you desire on your car .


Input: What Is Needed For Car Insurance Quote?

Output: Talk to your Insurance Professional about your specific needs . In addition to your name and address of course , they will need to know spousal information as well as that of any licensed drivers in your home . That will include everyone 's dates of birth , Drivers License Numbers and possible , though not always , Social Security numbers . Tickets or accidents ? Be up front . This information is not a secret and so you may as well be open from the get go . For the most accurate quotes , all this should be included . Next the year , make and models of the cars involved along with the Vehicle Identification Numbers -LRB- VIN -RRB- . Talk about the amount of coverage for which you are looking and be sure to include lien or lease information if applicable . The specifics of the lien or lease are n't impiortant for a quote but they will offer important information for your advisor to use as a guide for their recommendation . If you own an home or rent , take advantage of any bundling discounts and get a quote on that too .


Input: What Is Needed For Car Insurance Quote?

Output: To receive an accurate quote for an auto policy you should provide the agent with the Vehicle Identification Number -LRB- VIN -RRB- , the current odometer reading , the date that the car was purchased , the purchase price , the coverages desired , the condition of the vehicle , the anticipated annual mileage and a list of all the drivers in the household with their drivers license numbers ,


Input: Is Geico A Good Car Insurance Company?

Output: Let me share my experience.I 'm a licensed fee-based -LRB- accept no commissions -RRB- insurance consultant who has studied insurance , obtained a number of industry designations , owned and operated a general insurance agency for nearly forty years and helped thousands of insurance consumers with their insurance questions . I have long harbored ill will toward GEICO and other insurers who chose not to do business with independent agents . I believe their sales staff -LRB- and that of other insurers selling direct to the public -RRB- are trained to sell what the insurer wants to sell ; not what the consumer really needs . But I recently sought to purchase auto insurance for myself and checked out a number of on-line insurance offerings . GEICO 's premiums were one third of those indicated by E-surance , Progressive , and several others . The application process and live discussion with a sales person was cordial , professional and non-threatening . I was able to access my coverage information on-line , pay premiums directly and obtain insurance cards.Actually my experience was better than any I 've had with any independent agent . My conclusion , it is still important to know what you need and want . It is you against a large insurer and that means be cautious . But for my money I certainly would consider GEICO as an insurer.If nothing else they deserve a look .


Input: When Is It A Good Idea To Buy Whole Life Insurance?

Output: Whole life insurance is for a very special kind of person . First of all , you are someone who sees the need for life insurance protection on a lifelong basis . Not just to cover the mortgage , not just to protect your family , not just as a supplement for your retirement . You face the fact that as life goes on , your need for life insurance changes , but for many people , the need is always there . And it could be for you . You know that if you bought term insurance , odds are you 'd end up buying another policy anyway , after that one renews . At a higher price . And hopefully youre insurable . Might as well lock in to guaranteed rates on a permanent basis . This brings up the second point . You are a guarantee-oriented type of person . You realize that life insurance is the foundation of your financial portfolio . As such , it has to be strong . Reliable . You do n't want too many variables in this product because , if you have a shaky foundation , your whole portfolio could crumble . Therefore , you want a guarantee on the premium , and you want a guarantee on the death benefit . You are also someone who appreciates the added benefit of cash value inside whole life insurance . For many people , whole life insurance is the guaranteed portion of their asset portfolio . No other product gives better guarantees -LRB- go ahead and check out the interest rates on guaranteed products out there . Then compare them to the guarantees whole life gives you . -RRB- On top of that , with a top-flight company , the dividends - the non-guaranteed portion of the cash build up - can be pretty rich . With a little strategic thinking , those dividends can enhance the value of that product . They can be used to offset the cost . They can be used to enhance the survivor benefit . They can be used to put cash in your pocket . They can be used to offset the cost of another policy . Lastly , whole life insurance is for disciplined people . In order to receive all the benefits named above , you need to stick to the payment schedule . It 's a fixed-premium product and will not tolerate underfunding , or over funding , or skipping payments . If you realize the bang for the buck you can get with whole life insurance , and have the discipline to stick to a premium payment schedule , then you 'll be glad you bought this policy .


Input: When Is It A Good Idea To Buy Whole Life Insurance?

Output: My answer to this is it really depends on what you are looking for . Sure premium is a factor however , consider what guarantees you are looking for . If you want a guarantee on the Cash Value at a future date , WL -LRB- whole life -RRB- may be the answer . Typically you are guaranteeing the cash value as well as the death benefit . WL also pays out dividends . You can either feed those back into the policy to get more growth or take them -LRB- perhaps as income as appropriate -RRB- . Whole Life can be good for younger ages as well . The premium is very low and will build value over time to be used as needed . There are many options within WL so as you build your policy , consider ALL the options and then add those which make sense .


Input: When Is It A Good Idea To Buy Whole Life Insurance?

Output: The only time a person should even think about buying a whole life insurance policy is if he or she did n't save enough money for final expenses or did n't plan for their inevitable funeral . Level term protection is good for most everybody at any age because of it 's affordability and if the person is still healthy then they can get a policy that would take care of their final expenses which would only be $ 10,000 - $ 15,000 . If they are not healthy then a graded death benefit term or whole life may be the answer . The bottom line is that a person that has worked and saved his life and paid off his debt by retirement or shortly after should be self-insured .


Input: When Is It A Good Idea To Buy Whole Life Insurance?

Output: With Life insurance , the younger and healthier you are the less the premiums . I would by a policy to keep for final expenses as early as possible . A parent can take one out on a child for example . Make sure you allow for inflation . This would be your foundation . then , add term , invest , whatever you want to do .


Input: When Is It A Good Idea To Buy Whole Life Insurance?

Output: When is not necessarily the best question to ask as to why to buy whole life insurance . If you know why you are purchasing insurance , that will help to determine your when . Most whole life policies pay out very little in dividends so I would look at other vehicles if you want dividends . Also , life insurance isa tax free vehicle when it pays out so consider that when you are looking at life insurance . To get to the root of the answer , most people purchase Whole Life policies as final expense policies because there is n't much of a reason to purchase Whole Life policies otherwise . The interest rate is dismal , dividends are not worth mentioning . The cost of a whole life policy can be affordable as to building up the savings or investment vehicle versus on your own . So , I would not purchase a whole life policy prior to age 50 .


Input: When Is It A Good Idea To Buy Whole Life Insurance?

Output: My rule of thumb is that the younger you are , the more you should consider term life insurance . I have only provided whole life insurance to older adults on a budget that would pay more for term insurance at their current age . If you are older than 50 , whole life insurance may be a better option because it may be cheaper than term at that point . If you are younger than 50 , I would go for term insurance . It is less expensive for you and you can get more coverage than whole life .


Input: When Is It A Good Idea To Buy Whole Life Insurance?

Output: It depends on a variety of factors ; what is the primary objective of the client who is looking for insurance ; how much insurance do they need ; are they lookng for features such as cash value , paid up policy , etc. . A proper financial needs analysis with the client will help determine their insurance needs and then a good agent will direct them to the plan best suited for their needs and their budget .


Input: Where Can I Get Homeowners Insurance If I Live In A High Risk Brush Fire Area?

Output: Living in a higher risk area , either an elevated fire risk zone as you asked about , a coastal area subject to floods and hurricanes or an area that can be subject to tornadic activity each have their own challenges with regard to property insurance . Insurance companies may not offer coverage or they may charge a higher premium to reflect the increased risk they are assuming . Talk to your Insurance Professional about your particular situation . If standard coverage just is not available , most states manage a high risk `` pool '' of coverage that may be there to meet your needs .


Input: Where Can I Get Homeowners Insurance If I Live In A High Risk Brush Fire Area?

Output: Most insurance companies will not insure a home if it is located near brush or is in a wildfire area . Tahoe is in a National Forest so it will be very difficult to get a home insurance policy . You will likely need to use the California FAIR Plan . They will insure your home as long as it 's not in need of repairs . Take a look at this site on Brush Fire Insurance for more information . WEBSITELINK


Input: How Much Is No Exam Life Insurance?

Output: The cost of No Exam life insurance varies a lot because No Exam life insurance is use for so many reasons . Some people get No Exam insurance for convenience . In those cases , if they have very good health , the person may be able to get a lower price if applying for a policy that requires an exam . But to them , it is worth it to not miss time off work and go through the blood sample and exam . Some people get No Exam insurance because they are obese or have a health condition that does not qualify them for a medically underwritten policy . While the cost might seem high , for them it is worth it . Other persons can actually sometimes get a lower price with No Exam insurance than they could with life insurance requiring an exam . This can be the case with final expense insurance , overweight life insurance , or life insurance for persons of older ages . Part of the reason is that No Exam life insurance offers a minimum face amount requirement than most medically underwritten policies .


Input: How Much Is No Exam Life Insurance?

Output: The premium price tag is dependent on your gender , age , smoking status , health history and current medical condition . It also factors in the face amount of coverage , the length of coverage and any ancillary riders . Be advised that if your health condition is good , you may receive a better offer at a cheaper premium for undergoing the underwriting process .


Input: Is Life Insurance Exempt From Creditors In Kentucky?

Output: Life insurance proceeds that are left to a beneficiary are exempt from creditors in Kentucky , as long as the beneficiary is not a co-signer to the insured person 's debt . If the beneficiary of the life insurance policy is the estate , creditors can go after life insurance proceeds upon the insured person 's death .


Input: Is Life Insurance Exempt From Creditors In Kentucky?

Output: Life insurance must be distributed to a beneficiary and not the estate to remain exempt from the deceaseds creditors . The beneficiaries creditors would be able to go after the life insurance proceeds . Most retirement accounts and cash value within a life insurance policy are exempt from creditors and can be retained , even through bankruptcy . One way creditors sometimes get to the funds is if life insurance proceeds are deposited into what was a joint checking account that the creditor had access to . While a person may be able to have the funds returned through legal proceedings , it is often best to close the joint account and open a new account .


Input: Is Life Insurance Exempt From Creditors In Kentucky?

Output: That is a great question ! This is one of those cases where planning ahead can save you a ton of worries later . To avoid the hounding of creditors , the proceeds must be left to a named beneficiary . That beneficiary must not be a legal partner to the debt in question , not co-signed , or otherwise legally obligated . Creditors will try to make you think that you have to pay anyway , in hopes that you will , but as long as there are no strings that tie you to that debt , it passes with the loved one . Thanks for asking !