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What Is Auto Insurance Comprehensive Coverage? | There are two types of physical damage coverage available for an automobile . The first is collision which covers the damage that is the result of an accident . The second is comprehensive which covers any other damage to the vehicle . Striking an animal is a comprehensive loss not a collision loss . |
Why Is Life Insurance Important For Employees? | If the employee is a `` key person '' in the business , it can be very costly for a business to lose him/her . The time spent in finding and training a new employee could put the business under . So providing life insurance that pays the business in the event that a key employee passes , can be extremely important . Some businesses provide group life insurance for all their employees . Rather than the death benefit going to the business , it is paid to employee 's family in the event of his/her death . This is a benefit that might draw good employees to apply or stay at a certain business , which is an important part of running a profitable business . It also can be very meaningful to the employee 's family if death occurs . |
What Is Renters Insurance Coverage? | Renters Insurance is available from a variety of insurance companies that offer this valuable protection for tenants . It is a form of homeowners insurance for tenants ; the policy contract may provide for personal property and personal liability . The coverage is inexpensive and fluctuates depending on coverage amount requested , deductible requested and geographic area . Most recently , the coverage has become most valued by those who have been accused of negligence thereby causing water damage , fire damage , smoke damage and other possible acts of negligence ; in this case , the liability portion of the policy will defend the insured and pay out up to the maximum limits afforded by the policy . It is important to note that in some States where the courts have been inundated by law suits regarding tenant issues , all lease contracts are required to include an insurance clause thereby requiring the tenant to provide insurance . We do have a short cut link for those that may seek a quote or wish to buy a policy directly online : WEBSITELINK |
What Is ROP Life Insurance? | ROP life insurance stands for Return of Premium life insurance . ROP life insurance will return the premiums that you paid , if you hang onto the policy to the end of the term . Some policies will return part of the premiums if you keep the policy a certain number of years -LRB- usually at least half the term length -RRB- . If death occurs before the term ends , the policy pays the normal death benefit . |
Who Can I Add To My Car Insurance? | Typically insurers will allow you to add licensed individuals such as : children , spouses , domestic partners , other residential drivers etc. . If you fail to add someone who should have been rated on the policy that can pose some significant issues . When in doubt contact your agent and ask him or her about what you have in mind . Insurers typically like to have persons who drive the vehicle added to the policy for two reasons 1 -RRB- it helps establish an adequate pricing level and 2 -RRB- it allows them opportunity to monitor their driving behavior . One other thing to consider is when you hand over the keys to someone else , you are generally creating permissive use . Make sure of two things , 1 -RRB- the person who will drive has a valid drivers license and 2 -RRB- they do not appear to be in any form impaired by drugs -LRB- illicit or prescription -RRB- or by alcohol . |
Will Medicare Part B Pay For Shingles Vaccine? | Medicare Part B does not cover the shingles vaccine . It ` sgenerally covered under your prescription coverage . Medicare Part D stand-alone prescription drug plans will generally cover vaccine shots needed to prevent illness such as the flu shot or shingles shot . Please feel free to contact me for help . Thanks very much . |
Can I Get Life Insurance If I Have Lupus? | Almost all people with lupus are able to get some type of life insurance policy . Mild , well controlled , systemic lupus alone should not keep you from getting any amount for which you are financially qualified . If you have had recent flare ups , are on steroids , or have complications from your lupus , you may need to take a nonmed policy . There are some no exam policies that do not ask about lupus , and that have reasonable rates . Contact a good impaired risk life insurance agent that carries lots of choices for those with health conditions , and you should be able to get affordable life insurance while having lupus . |
Can I Get Life Insurance If I Have Lupus? | Video Transcript : Can I get life insurance if I have lupus ? Well , it depends upon some of the answers to these questions . The first is , I need to know the date it was first diagnosed . And then , what type of lupus was diagnosed ? Was it systemic ? Was it discoid lupus or drug induced SLE ? I 'll also need to know , is it in remission , or is it currently present ? Then I need to go through this checklist . Do I have low blood count , neurological disorders , protein issues , high blood pressure , lung involvement , heart involvement , renal insufficiency or failure altogether ? Is the insured taking any medications ? All these areas will give us an idea of how to price and get an offer from a specific carrier that is really benevolent in their underwriting when it comes to lupus . |
Who Sells Mortgage Life Insurance? | The lender that provides your home loan is typically the vendor that sells mortgage life insurance to you , as well . When death occurs , the lender is paid the benefit of the policy , so that their portion of your loan is paid off . Life insurance can be used to cover a mortgage , however . It is more competitively priced than mortgage insurance and the death benefit does not decrease as your loan decreases . The beneficiary is the person of your choice . They can use the money to pay off the mortgage , or else spend it on other things if it makes more sense to keep the mortgage . |
Does Medigap Cover Dialysis? | Medigap plans pay for Medicare approved dialysis . Medigap plans are supplements to Medicare , so any claim approved by Medicare Part A or Part B is a covered expense under your Medigap plan . Medicare covers inpatient and outpatient dialysis when treatment is administered in a Medicare approved facility . A good Medigap plan such as F or G will lighten the financial burden of dialysis . |
Does Medigap Cover Dialysis? | Medicare supplements , also known as Medigap policies work in addition to your basic Medicare A and B coverage . Anything that is covered by either of those can then be applied to the Medigap plan to pick up some or all of the remaining costs . Inpatient dialysis is a Medicare A procedure . Outpatient or home dialysis options are covered by Part B . This does not include any costs for home health aides , lost wages , housing or blood supplies not included in the doctors visit . Depending on your Medigap policy , some of these may be covered . Your Medigap policy handbook will tell you if your plan covers these additional costs . |
Does Medigap Cover Dialysis? | Medicare supplements , also known as Medigap policies work in addition to your basic Medicare A and B coverage . Anything that is covered by either of those can then be applied to the Medigap plan to pick up some or all of the remaining costs . Inpatient dialysis is a Medicare A procedure . Outpatient or home dialysis options are covered by Part B . This does not include any costs for home health aides , lost wages , housing |
Does Medigap Cover Dialysis? | Kidney dialysis is a Medicare Part B service . If you have End-Stage Renal Disease -LRB- also known as ESRD -RRB- , Medicare will -LRB- generally -RRB- coverthree dialysis treatments per week . You pay 20 % of the Medicare approved amount , and the Part B deductible applies . This is where your Medigap Plan will help cover some if not all of the remaining costs . Medigap Plan F will pay the remaining 20 % of the Medicare approved amount and the applicable Part B deductible . You pay $ 0 . Medigap Plan G will pay the remaining 20 % of the Medicare approved amount after you have paid/met the applicable Part B deductible . You pay , at most , $ 147 -LRB- Part B deductible in 2014 -RRB- . Medigap Plans A , B , D , M will pay the remaining 20 % of the Medicare approved amount after you have paid/met the applicable Part B deductible . However , you are also responsible for Part B Excess Charges , so you may end up paying more than the Part B deductible -LRB- $ 147 in 2014 -RRB- . Medigap Plan Cwill pay the remaining 20 % of the Medicare approved amount and the applicable Part B deductible ; however , you pay for any Medicare Part B Excess Charges . Medigap Plan Hi-F will pay all Medicare approved amounts after you have met/paid the $ 2,140 deductible -LRB- 2014 -RRB- . Medigap Plan Nwill pay the remaining 20 % of the Medicare approved amount after you have paid/met the applicable Part B deductible -- except for a copay of up to $ 20 for some office visits . You are also responsible for paying Medicare Part B Excess Charges . In regards to Excess Charges , this is what you are charged above the Medicare approved amount if the doctor , provider , or supplier does not accept Assignment . If a provider does not accept Assignment , they are telling Medicare that they do not agree to accept the payment amount Medicare approves for the service -- this is how you can get billed for Part B Excess Charges . |
What Disabilities Qualify For Disability Insurance? | Other than an exclusion of a certain type of disability in the policy , if you have been medically diagnosed with an injury or illness that keeps you from performing the duties of your current occupation then you should become eligible for benefits . Please keep in mind that your policy is still subject to elimination periods before you actually receive payments . Most good policies do pay from day one on the day of eligibility in a lump sum . For example , if you chose a 90 day elimination period for $ 5,000 per month , you will receive $ 15,000 on the 91st day . I wish you a speedy recovery . |
What Disabilities Qualify For Disability Insurance? | Determining whether a disability will qualify you for a claim depends upon the policy 's `` definition of disability '' . It 's not something where one type of disability is covered and another may not be just because it 's a different kind . It 's about whether your specific disability is covered under policy 's definition of disability . The definition of disability is the most important factor under any disability insurance policy . A disability insurance policy will have 1 of 3 definition options -LRB- varies by carrier - some may only offer one definition , others may offer more than one as it would then depend upon type of disability policy being set up -LRB- e.g. long-term vs. short-term , group vs. individual , etc. -RRB- -RRB- - 1 -RRB- True Own Occupation , 2 -RRB- Modified Own Occupation , and 3 -RRB- Gainful Occupation . True Own Occupation is the most desirable definition you can have on a disability policy . This says that you are considered completely disabled if -LRB- due to injury or sickness -RRB- you are not able to perform the duties of your job , EVEN IF YOU ARE WORKING AT ANOTHER JOB -LRB- this last part is key ! -RRB- . Modified Own Occupation is the most common definition that policies offer in today 's marketplace . Under this definition , you are completely disabled if -LRB- due to injury or sickness -RRB- you are not able to perform the duties of your job , AND ARE NOT WORKING IN ANY OTHER JOB -LRB- again , this last part is key ! -RRB- . Gainful Occupation is typically seen in group disability policies and policies offered by property and casualty companies that offer disability policies . This definition is the most stringent saying that you ca n't work in your own occupation and unable to work in any gainful occupation for a period of time -LRB- e.g. 12 months , 24 months , etc. - can vary by company -RRB- . Also , whether you want to buy a short-term disability policy or a long-term disability policy is important too . You can have a combination of both . I would recommend reviewing your needs and goals with an independent agent who works with multiple carriers and can help determine the program structure that will best serve your needs because disability policies are very customizable as there are a number of additional options to choose from that affect the rates . It 's not a `` just pick and choose who has the lowest rates '' type of insurance - you really want to make sure you 've got the right coverage for what you 're trying to accomplish . I hope the information is helpful - please feel free to contact me for help with your coverage and if you have any other questions . Thanks very much . |
What Disabilities Qualify For Disability Insurance? | Just a quick note as I read another post and need to clarify an incorrect statement regarding elimination periods . YOU are NOT reimbursed for your choice of elimination period . If you choose a 60 day elimination period , your benefits start on the 61st day and payment is usually made on the 91st day and monthly there after . You are not compensated for your choice of elimination period . The elimination period is like choosing your deductible on your health , home or auto insurance . It is the time you are willing to self insure your situation . You are not compensated for your choice of elimination period . Your choice of elimination period effects your premiums . |
What Disabilities Qualify For Disability Insurance? | When considering a disability policy to purchase , consider everything , but focus on a couple of things . 1st , the easiest way to find out what the policy would n't cover is spelled out on the exceptions page or not covered section . Straight forward it will state directly what the policy wo n't do . 2nd , read their definition of disability . This may sound strange to read , but the best policies for disabilities have the shortest definitions of disability . Basically when you read the definition , anything beyond that first sentence is something that will reduce your benefit . For example , my disability policy defines total disability as `` not being able to do your current job and under a doctors care . '' That 's it , that 's all . Nothing follows it . It does n't care if I can do my job or another , just my current job . End of story . Also , when you consider a DI policy look at residual coverage . Residual is for partial disabilities where you can work , but not as much as before . It will have a similar definition as total disability , but will define by percentage of work you can or ca n't do . So half time would be 50 % loss . A good residual definition will also determine at what point partial becomes fully . I write this as I am on claim on my own disability policies . I contracted an infection that lead to an amputation . Believe me , a good policy does n't present you with too many hoops or requirements to meet . |
What Disabilities Qualify For Disability Insurance? | The definition of disability is precisely presented in the disability policy and sales material . It varies between companies and contracts . The most liberal definition is any disability that prevents you from engaging in your current occupation . There are much more restrictive definitions even down to , disability is the inability to perform any work . As a general rule the most liberal definitions appeal to highly specialized professionals . Often these individuals could do any number of other occupations but if their job is to do heart catheterizations they want to be reimbursed any time they are unable to do that amazing subspecialty . |
What Is The Best Affordable Life Insurance? | The best affordable life insurance is the one the fits your age and health best . You can get affordable overweight life insurance , affordable diabetic life insurance , affordable sleep apnea life insurance , affordable tobacco users life insurance , or whatever works for you . You just have to find an agency that specializes in that so that they know how to get you the best price . |
What Is The Best Affordable Life Insurance? | The best affordable life insurance policy is the one that you currently own . It will never be cheaper ! If you require additional insurance and know when you will die , matching you to the most cost effective policy would be simple . The problem is life expectancy is getting older and older . Since almost half of us will live past 85 we need to think about our permanent needs and temporary needs . Matching policies to those categories is probably the best way to have an affordable program . Remember that if you have inadequate life insurance , someone else pays . |
Is Homeowners Insurance Expensive? | Expensive is a different definition for everyone ! Credit plays a huge part in homeowners insurance in many states . So if you have a great credit score your insurance will be much lower than if you have bad credit . Here is my best advice . If you are looking for a home get an agent to give you a quote on the average range of home value you are considering . It will give you a ballpark . Bottom line of you can not qualify for the loan due to the monthly insurance premium then you need to lower the value of the home you are considering or do n't buy . |
Is Homeowners Insurance Expensive? | The expense of a homeowners policy is only a small fraction of the amount that could be recovered in the event of a loss . If you want to know how really expensive homeowners insurance is , try having a claim without it . The premium represents your share of the pool of other insureds and the price is regulated by your state insurance commissioner . |
How Much Should I Pay For Life Insurance? | It 's very difficult to say what you should be paying for life insurance because it depends on a number of factors and we all have our own needs and budgets . There 's many factors that go into premium pricing to say what an average plan costs . The risk class is the MOST critical factor in determining the cost -LRB- premium -RRB- of a life insurance policy . The risk class depends on a number of items including whether you 're male or female , your medical history , height/weight profile , any tobacco usage , and other factors . Keep in mind , every carrier has their own set of underwriting guidelines and mortality tables , and each may offer a different risk class for a given medical profile - e.g. company A may offer preferred -LRB- featuring lower rates -RRB- and company B may only offer standard -LRB- featuring higher rates -RRB- Also affecting the premium for a policy is the type of policy you 're looking to secure - how much coverage do you want/need and for how long do you want/need it guaranteed for -LRB- term vs. permanent -RRB- . Non-medical policies generally cost more than fully underwritten policies that require an exam because an insurance company is taking on more risk without having a full medical picture of you . Consult with an experienced broker to see what programs are available and what structure would be most suitable to best serve your needs . We have in-depth knowledge of products from many different carriers and can help you through the entire process of securing life insurance from figuring out how much coverage you need and how long to placing the coverage in force and beyond . Please let me know if I can be of further assistance . Thanks very much . |
How Much Should I Pay For Life Insurance? | The simple answer is : you should pay an amount that you can afford . People who buy life insurance with the last dollar in their monthly budget will end up dropping their policy when emergencies arise . Life insurance that is dropped is of no value at all . Setting aside an affordable amount to pay life insurance premiums will help ensure that your policy is active when needed . Also , many people feel that if they ca n't buy a large amount of life insurance , they will buy none at all . Who among us would not welcome an extra $ 10,000 of cash at the traumatic time of losing a loved one and trying to take time off work , arrange for a funeral , house relatives or travel to the location of the funeral ? It does not take a million dollar policy to show love for those who are left behind . Of course , premiums differ for different types of policies and different types of risk . If you are using your life insurance to provide income during retirement , it will take a much larger portion of your budget than if you are just funding your funeral . Also , life insurance for those who are older or of poorer health will cost more than life insurance for young , healthy persons . But there is also a greater chance of the death benefit being paid out sooner when the insured person is older or suffers from poor health . A licensed agent can help you look at your whole financial picture and pick out a policy that will meet your needs at an affordable cost . |
How Much Should I Pay For Life Insurance? | That is a great question ! The price can vary considerably from policy to policy , because the company bases the cost of each policy on several variables that are unique to you . Your age , your gender , and whether or not you smoke can make your cost much different than mine . Your particular health history , and what prescriptions you take are factors . The type of policy itself , and the amount of coverage also help determine the price . If you would like to contact me directly , I can give you a better idea of what your can expect to pay . Thanks for asking ! |
Who Has To Buy Health Insurance? | No one has to buy health insurance , but it 's very advantageous to have it . The idea of health insurance is to protect yourself in case of a catastrophic financial event . In the case of health insurance , this can be when you have a visit to the hospital and/or you have to have surgery . While health insurance can be expensive , if you ended up in the hospital one time , you can be subject to thousands of dollars worth of medical bills . Under the affordable care act , if you do not want to purchase health insurance , you can elect topay a penalty instead -LRB- also known as an `` individual shared responsibility payment '' -RRB- . If you choose to pay the penalty instead of securing coverage , you will still be responsible for 100 % of your medical care . The penalty is calculated in one of two ways -LRB- you pay whichever is the higher amount -RRB- . In 2014 , the penalties will be calculated as : 1 -RRB- 1 % of your yearly household income featuring a maximum penalty as the national average yearly premium for a bronze plan . 2 -RRB- $ 95 per person for the year -LRB- If under age 18 , then $ 47.50 -RRB- featuring a maximum penalty per family of $ 285 under this method . The penalty calculations will change each year . In 2015 , method one increases to 2 % of your yearly household income and method two increases to $ 325 per person . In 2016 , it will increase again to 2.5 % for method one and $ 695 per person for method two . The penalty methods will be adjusted for inflation in later years . I hope the information is helpful - please feel free to contact me for help and if you have any other questions . Thanks very much . |
What Is Medigap Plan G? | Medigap Plan G is a standardized Medicare Supplement insurance plan designed to fill in the ` gaps ' that Medicare does n't pay . Medigap Plan G covers 100 % of the following after meeting the Part B deductible $ 147 -LRB- 2014 -RRB- : 1 . Medicare Part A Coinsurance and Medicare approved hospital costs 2 . Medicare Part B Coinsurance or Copayment 3 . Blood -LRB- First 3 Pints -RRB- 4 . Part A Hospice Care Coinsurance or Copayment 5 . Skilled Nursing Facility Care Coinsurance 6 . Medicare Part A Deductible 7 . Medicare Part B Excess Charges 8 . Foreign Travel Emergency -LRB- Up to Plan Limits -RRB- While Medigap Plan G benefits are standardized , it is sold through private health insurance companies . This means any insurance company that offers Medigap Plan G is required by law to provide Medigap Plan G benefits . The only difference is price . ABC insurance company can charge a completely different premium than XYZ insurance company for the same exact Medigap Plan G. It 's best to work with an independent agent specializing in Medicare Supplement insurance . We can shop the market for you . We have contracts with insurance companies that you do not see online . This is how we help our clients find low Medigap Plan G premiums . Afterall , Plan G is Plan G -- you might as well find the the plan with the best rate . Please feel free to contact me if I can assist you with your specific situation . In just a matter of minutes , I can provide you with quotes for Medigap Plan G in your area . |
What To Look For When Buying Long Term Care Insurance? | Some things to look for when buying long term care insurance are : 1 -RRB- whether it covers all levels of care , including care given at home or in an assisted living setting ; 2 -RRB- how many years the care will last , or what lump sum of money there is to cover care over the lifetime of the insured ; 3 -RRB- the daily benefit ... do you want the policy to cover all or part of what you might be charged for your long term care services ; 4 -RRB- the elimination period , coordinating it with days that might be paid for by Medicare , etc ; 5 -RRB- a home health care rider that allows you to receive those benefits from day one rather than wait for the elimination period to run out ; 6 -RRB- cost of living rider that will allow your benefit to go up as health care costs rise . |
Does Fmla Apply To Life Insurance? | FMLA -LRB- Family and Medical Leave Act -RRB- appears to be only required for health insurance , and not life insurance . However , employer and employee can work together to ensure that life insurance premiums are paid during the employee 's time off so that their life insurance benefits are not cancelled during family leave . |
What Are The Advantages Of Long Term Care Insurance? | That is a great question ! Recent studies have shown that nearly 70 % of all Seniors will need some form of long term care during their retirement . Unfortunately for many , their retirement savings plan did not include the costs for that long term care . With some facilities costing upward of $ 80,000 per year , far too many Seniors have seen what they thought were adequate retirement savings get gobbled up quickly by those medical care costs . A long term care plan purchased early is a great hedge against those costs , and for the protection of your retirement and insurance funds . I seriously can not recommend strongly enough the value of adding this kind of policy to your portfolio . Thanks for asking ! |
What Are The Advantages Of Long Term Care Insurance? | The two main advantages of Long Term Care Insurance are : 1 -RRB- Paying for your long term care needs without having to spend down your assets , and 2 -RRB- Having a say in the care that you get . As Care Plan Coordinator for a nursing home , I saw the advantages of Long Term Care Insurance up close . It can enable you to get a private room , get out into your home more quickly , and other perks that are not possible when on Medicaid . Not everyone can afford Long Term Care Insurance , and Medicaid is a blessing for those who need it . But there definitely are advantages to having Long Term Care Insurance . |
What Are The Advantages Of Long Term Care Insurance? | The # 1 risk to retirement is human longevity . Nothing impacts retirement income like extended mortality risk . And the second consideration is defending retirement income from assisted living or nursing home care costs that can erode the income and other assets . Long term care insurance can covers those costs . It 's part of defensive planning for retirement . |
Does Health Insurance Cover A Tummy Tuck? | A tummy tuck will be covered under your health insurance plan as long as it is considered -LRB- and coded -RRB- as medically necessary by your attending physician . Often times this is considered an elective procedure and wo n't be covered . It 's vital to contact your carrier prior to the procedure to find out how -LRB- if at all -RRB- they will cover the surgery . The best place to start is to call the benefits verification or pre-certification phone number on the back of your insurance cards . |
Can You Cash In Annuities? | Non-qualified tax deferred annuities have to considerations when weighing the surrender or cashing out of the policy . The first is the surrender charge . During the early years annuities can have punitive surrender charges , so know the cost of liquidity before you purchase this product . The second item is taxes . All distributions of gain are taxed as ordinary income . Cashing in large policies can elevate you into one maybe even two higher tax brackets . |
Does Progressive Renters Insurance Cover Storage Units? | I am not aware of any renters policy that would exclude a storage unit . A storage unit is considered your premises so coverage is extended to your items in the unit up to the limit of coverage 's you chose when you purchased the policy . Now if you store items at a friends , neighbors or relatives residence past 30 days coverage will be reduced to 10 % . |
Can You Write Off Mutual Fund Fees? | In Canada , in most cases you can not write off mutual funds fees . The fees are deducted directly from the mutual fund assets . There are funds available that are available net of fees . With these versions you negotiate the advisor 's fee separately and pay it out of pocket . This fee is deductible as an investment expense . If you have further questions , please do not hesitate to contact me . |
How Will Obamacare Affect Medigap Insurance? | ObamaCare currently has no impact on Medigap policies that would be obvious to the senior consumer as being directly attributable to ObamaCare . It does n't phase them out or end them and they are n't subject to the more direct attacks this administration has made on Medicare Advantage plans . The effects of ObamaCare on the Medicare population will be more subtle . Even before ObamaCare was passed , Medicare reimbursement rates were at levels where growing numbers of physicians were making business decisions to limit the number of Medicare patients they would take in their practice , freeze their number of Medicare patients at current levels , or stopping accepting Medicare patients entirely . While going through all the legislative and budgetary gyrations that resulted in the passage of ObamaCare in 2010 the administration deemed it critical that the projected 10-year cost projections of the law come in under 1 trillion dollars . Why ? Because that was approximately what we had spent on the wars in Iraq and Afghanistan and the argument was that if we could afford to spend that much on wars then surely we could afford to spend that much on providing health insurance . An important aspect of how this was accomplished from a budgetary perspective was that the law transfers future funds from the Medicare trust funds to pay for various aspects of ObamaCare . It was projected that these transfers would reduce the future increases in spending on Medicare over the coming decade by about $ 700 billion . In Washington speak this means that we 'll still be spending more on Medicare -LRB- which with our growing Medicare population is only logical -RRB- but we 'll be reducing reimbursement levels to doctors , hospitals , etc. , by $ 700 billion less than would have otherwise been the case . From studies I have seen , this will begin taking Medicare reimbursement levels below those of Medicaid in the not too distant future . So , if many healthcare providers were barely breaking even or losing money on Medicare patients at the old reimbursement levels it does n't take much imagination to guess what their reaction will be to even lower reimbursement levels in the years to come . So , the main challenge many senior citizens on Medicare will be faced with in coming years that is severely aggravated by ObamaCare will be finding healthcare providers who are willing to accept them . |
Is Landscaping Covered Under Homeowners Insurance? | In many cases , there is some limited coverage for shrubbery and trees , yes . The coverage may be limited to specific causes of loss or perils , and would be subject to your Homeowners ' Policy Deductible . In addition , coverage may be limited to a specific dollar limit within the terms and conditions of your policy . Fencing , above ground structures such as arches , pergolas , fountains etc , would have coverage , but generally speaking , surface installed patios , walkways etc , may not be included for coverage under the policy . |
What Is A Premium In Auto Insurance? | A premium is the amount that you are expected to pay to keep your insurance coverage in force . Most companies allow you to pay this amount monthly , quarterly , semi-annually , or annually . Each company sets its own requirements when it comes to payment schedules . Contact a local agent to find out what coverage and payment plans that he/she has available . |
Who Covers A Frost Heave In The Driveway To The Road -- The Homeowner Or The City? | It is impportant to remember the two most common exclusions in most Homeowners policies to begin to explore this question . Flood damage is always excluded and such protection is only available through the purchase of a separate Flood Insurance policy . The other common exclusion , which more closely begins to deal with this question , is damage to property caused by earth movement . Any earth movement that you can think of usually falls into this category of exception including earth quake , sink hole , settling , frost heave etc. . So the exclusion alone , if it is found in your policy , would be enough to deny coverage for such a loss . Always talk to your Insurance Professional about the specific terms , conditions and exclusions in your policy . |
Who Covers A Frost Heave In The Driveway To The Road -- The Homeowner Or The City? | A HO-3 homeowners policy covers your driveway to an amount not to exceed the Coverage B limit . However , the insurance company generally does not pay for damage to a driveway caused by freezing , thawing or pressure or weight of ice or water whether driven by wind or not . Since the city is not responsible for the weather , I doubt that they would have any liability . |
Does Long Term Disability Cover Health Insurance? | Long term disability can be used for health insurance but the two are completely different policies . Health insurance was designed to pay the medical bills of doctors , hospitals , testing facilities , etc. . Long term care was designed to pay you in case of an illness or injury so severe you are no longer able to work . There is no restrictions on what you spend the disability benefits on once you start drawing them . Many use them to pay their living expenses , but some use them to pay health insurance premiums , deductibles and any other out of pocket expenses . |
Does Long Term Disability Cover Health Insurance? | The cost of health insurance premiums can be paid using the long term disability benefit payments . Your question helps highlight the importance of having income replacement coverage is the first place . Many employees are shocked to learn the true cost of employer sponsored health insurance . Many employers pay a significant portion of the premium for active employees . However , when an employee leave on a disability , the employee can continue coverage under COBRA . The employee pays the full premium and often needs to continue with coverage because their disability requires medical care . Paying for health insurance without an income can be crippling . |
Does Long Term Disability Cover Health Insurance? | That is a great question ! You really want to be careful though , as long term disability and health insurance are two completely different animals . Health insurance can only be applied to your medical expenses , and insures your health . Disability insurance insures your paycheck . As such , the money it provides can be used for whatever need you have , rent , electric bill , medical bills , etc. . Could you use your LTD money to help pay for medical bills ? Absolutely . Would it replace your health insurance ? No , and I really would n't advise that you try , as your LTD payments will not be close to what your health insurance would pay , in most cases . I hope that helps , thanks for asking ! |
Does Long Term Disability Cover Health Insurance? | Long Term Disability Insurance and Health Insurance are completely separate . Long Term Disability Insurance will pay you cash in the event that you are unable to work for an extended period of time due to illness or injury . If you wish to pay for your Health Insurance premiums with that cash , you may do so . |
Which Insurance Allows Me To Drive Any Car? | The state of California requires that all licensed drivers have liability insurance . Normally that coverage `` follows '' a vehicle and any licensed driver , other than one specifically excluded , can operate that vehicle with the owner 's permission . Some drivers want to maintain a license even though they no longer own a vehicle in which case they would purchase a liability policy on themselves . |
Do You Need A Will For Life Insurance? | Having a will is definitely not a requirement for obtaining life insurance . Typically you must name a beneficiary when you apply for life insurance and that is who will receive the death benefit of the policy as long as it is in force when the insured dies . Unless the beneficiary died before the insured does . If there is no named beneficiary when the insured dies then the death benefit will become part of the estate . If then there is no will the estate will go to probate . |
Do You Need A Will For Life Insurance? | No , you do not need a will for life insurance . Some people do make a will at the same time they purchase life insurance , while they are taking care of some future planning , and it is a good idea to have a will . But it is not necessary to have a will in order to take out life insurance . The money in the policy will go to the beneficiary stated in your life insurance policy , regardless of what the will states . |
Do You Need A Will For Life Insurance? | A will is not required with Life Insurance as you state who the beneficiary is . This overrides what the will says . If your beneficiary is a Trust or your Estate , then I would recommend having a will along with the Trust & Estate documents . Life Insurance proceeds avoid probate however a Will does not . Probate court will use the will to hear the last wishes but is not guaranteed it will be carried out especially if there are debts that are being pursued . |
Why Are So Many People Without Disability Insurance? | Why are so many people without Disability Insurance ? There are multiple reasons that people do n't have disability coverage . It could be they do n't see the value in owning a policy . It could be that their occupation does n't have a disability plan offered by a insurance company . It could be they ca n't get through the very hard underwriting that comes with disability insurance . There are multiple reasons people do n't have this coverage , too many to actually list here . |
Who Benefits From Universal Life Insurance? | Universal life is generally purchased to cover the beneficiaries of the policy from financial the liabilities of the policy insured . Universal life is a permanent form of cash value life insurance that can also benefit the policy owner during their lifetime with tax advantaged income they can use for retirement . |
Who Benefits From Universal Life Insurance? | Universal Life Insurance comes in several different types , and who the policy benefits depends on what type of Universal Life policy you get . Guaranteed no lapse UL usually has the lowest premiums of any permanent policy . That type of Universal Life benefits those with low incomes who still want the protection of lifelong coverage . Indexed Universal Life and Variable UL can be designed to provide tax deferred retirement income , or to borrow from for other needs . Universal Life , in general , is very flexible , so is ideal for a family who wants to simply adjust one policy throughout the stages of their life , rather than buy a new term or whole life policy whenever the need arises . |
Which Health Insurance Is Best For My Family? | The best kind of health insurance is the kind that is best for you . There 's a difference between the most comprehensive coverage and what is most suitable -LRB- or `` best '' -RRB- for you . Under the new Affordable Care Act , there are four main benefit levels of coverage - bronze , silver , gold , and platinum . Platinum plans are going to provide the most comprehensive benefits , but will also feature the highest premiums . Not everyone will be able to afford a platinum plan , which is why bronze , silver , and gold are available as well . The idea being to reduce your premium , you take on a little more risk - meaning you 're willing to take on a higher deductible , higher coinsurance/copayment , etc. to keep your premiums down . Group coverage can provide many benefits as well , such as lower premiums -LRB- the employer contributes to a percentage of the premiums for each employees plan -RRB- - the trade-off to keep in mind is that for group plans , if you left the company or were fired , you lose the coverage . An individual plan will stay with you wherever you go . Because everyone 's needs and budgets are different as well as the plan types available to them , you need to talk to an agent about your specific situation so you can review and discuss the available options . If I can be of help , send me a private message using the `` contact me '' button . |
How To Reinstate A Lapsed Life Insurance Policy? | If a policy lapses you must fill out an application for reinstatement and pay all back premiums . As long as your health has n't changed there should be no problem . If the policy is less than a year old you can reinstate by redating with some companies . You have the policy reissued with a new issue date . This way you do not have to pay the back premiums . |
What Is A Modified Guaranteed Annuities? | A modified guaranteed annuity -LRB- MGA -RRB- is a deferred annuity that guarantees principal and a rate of interest credited to deposits for a fixed time period , some up to up ten years . Any early withdrawals from or surrender of an MGA before the expiration period will more than likely be subject to a market value adjustment , a possible withdrawal charge and exposure to ordinary income taxes . These types of annuities are hold positions and should not be purchased if liquidity is a high priority of the saver . |
How To Qualify For Preferred Plus Life Insurance? | How to qualify for preferred plus life insurance rates varies and only some companies offer them . Examples would be Standard , Preferred or Super Preferred rates . Standard is what the name implies regular rates for a person of that age . Height weight are inline and no health concerns or `` dangerous '' activities . Preferred rate as you might suspect is in a little better health and has good activity habits . Super Preferred or Preferred Plus qualifiers are in excellent health , are very physically active and have a very good family medical history . Should point out , that the best smokers can hope for is that some companies of preferred standard smoker rates . Super Preferred is not available . Since the qualification and product varies by company , an independent insurance broker , should be able to help you find the right policy and the right price . If you have further questions , or feel that I could be of assistance , please do not hesitate to contact me . If you would like to work with a local life insurance broker , you could start with a Google search . For example , if you search for : life insurance broker Halifax or life insurance agent Halifax , my name , along with several others , will come up . You can use the same method to find a life insurance broker in your community . |
How To Qualify For Preferred Plus Life Insurance? | This is a great question . Very few people can qualify for the rate class above Preferred . The criteria differs from carrier to carrier , but in general , to qualify for Super Preferred rates , you must : 1 -RRB- have lab results that all fall in the normal range , with cholesterol being very good ; 2 -RRB- blood pressure and pulse must be very good ; 3 -RRB- you can not have a parent -LRB- some also include siblings -RRB- who had heart disease or cancer -LRB- some also include diabetes and other illnesses -RRB- before age 60 or 65 ; 4 -RRB- you can not use tobacco -LRB- the best tobacco users can get is Preferred Tobacco or Preferred Smoker -RRB- ; 5 -RRB- you can not be overweight ; 6 -RRB- you can not have had any serious health conditions throughout your life -LRB- again , all these vary by carrier , health condition , treatment , etc -RRB- ; 7 -RRB- you do not participate in dangerous hobbies , had excessive traffic tickets , had treatment for substance abuse , etc. . Shopping with a broker can get you the best possible rate because each company has its own standards for how they rate . Please do not hesitate to contact me if you would like personal assistance . |
How To Qualify For Preferred Plus Life Insurance? | A bell-shaped curve gives you an idea of the distribution of health conditions for a population . A very few are out on the edge of the curve and as you move to the middle many more qualify . That is what happens with underwriting . The rates are determined for the broad center of the curve . A few are somewhat better and a very few are truly exceptional . |
Can I Get Insurance On A Cat D Car? | There are provisions to insure every car that your states department of Motor Vehicles will license . Preferred insurance companies may limit the coverage that they offer . Frequently they will refuse to offer physical damage coverages . However , there will be companies that will insure your car as long as it is deemed roadworthy by the DMV . |
How Much Is Homeowners Insurance With Allstate? | Insurance quotes are very specific to the customer , property being covered , property use , replacement cost of the property , coverage needs , your personal credit and many other factors . There are also discounts that you may qualify for , specific to the company . You should contact a local Allstate agent to receive a free quote . |
When To File Auto Insurance Claim? | As soon as you can . The longer that you wait to file a claim the longer it will take for you to receive restitution . The sooner your carrier receives notice of a claim the faster that they will be able to get you the money that is due to you for your loss . |
When To File Auto Insurance Claim? | Your policy probably indicates that it is your responsibiliuty to notify the company immediately in the event of a loss . My suggestion is that you contact your Insurance Professional as soon as it is possible for you to do so safely so that they can guide you through the process . Taking the time to gather as much information as possible is always helpful , but certainly get in touch with them the day of the loss if at all possible . Property and losses may cause damage that can get worse over time so getting the ball rolling as soon as possible is in your very best interest . |
Does It Cost To Get A Medicare Card? | Medicare Part A is typically free for a person age 65 and over . Medicare Part B portion of the card does have a monthly premium which is usually $ 104.90 per month -LRB- For 2013 & 2014 -RRB- . If your income exceeds $ 85,000 per year -LRB- or a married couple 's income exceeds $ 170,000 -RRB- then your Part B premium could be higher . You should also consider a Medigap Plan -LRB- Medicare Supplement Plan -RRB- or a Medicare Advantage Plan . |
How To Figure How Much Life Insurance You Need? | How to determine how much life insurance one needs is an exercise that all conscientious insurance agents go through with every client . It is a dereliction of duty not to do so . Of course once the need is determined it still remains up to the client how much to put in place . In determining the amount of insurance needed , of primary importance is to define what the goals are of the insured . If the main goal for the insurance is to provide for dependents then the requirements for that provision will be the main determining factor for the amount needed . If the main goal for the insurance is to provide additional income in retirement then that requirement will be the determining factor . So to answer your question depends on who the insurance is for . If it is for you , you should talk with an Insurance Adviser . |
How To Figure How Much Life Insurance You Need? | WEBSITELINK This is a link to help you figure out how much life insurance you need . This is a free calculator and website all about insurance . Generally , you need to decide what you would like to cover i.e. final expenses only and/or providing income to help your family with future goals . Expenses like mortgage , credit card debt , loans , etc. . I would also talk with your broker/agent who should help you to figure out what amount makes sense including inflationary increases for the future . |
When Should I File A Claim For Homeowners Insurance? | If you are sued , call your insurance company immediately . If there is damage to your property that requires immediate attention , file a claim with the company . This is particularly important with water damage or any damage the affects the integrity of the home . If the situation isnt urgent discuss the loss with your agent before filing a claim . If the claim is minor it might be better to forgo the claim and enjoy a further premium discount for being claims free . |
Why Were Annuities Created? | The first annuities were used in the Roman Empire . The Latin word annau translated is annual , but represented annual stipends and evolved into annual contract payments . In America , annuities were granted special taxfavoredtreatment under the IRS code with tax deferred accumulation . |
Can Disability Insurance Be A Business Expense? | Disability Insurance will qualify for a business expense if the business pays for the policy and does not receive any of the benefit received . However the employee of the business will need to report any disability income benefits received as taxable income . The same holds true if a professional such as a physician or dentist is incorporated and has a salary or wage continuation plan in the corporate minutes . The corporation may pay for the policy but any benefits received are taxable as income . How premiums for coverage can be changed from year to year . For individual disability policies , in the event of a claim , whether benefits are taxed or not depends on how the premiums were paid during the year of claim . For group disability polices there is a three year look back for premiums . Overhead/practice expense disability policies are always tax deductible and benefits received by the business/practice are not taxable . |
Can Disability Insurance Be A Business Expense? | For a business owner it is possible to have the premium become a business expense . However the benefit then becomes taxable should you have to use it . A better way to structure the payment is to use an executive bonus strategy . Please speak with your accountant on how to set that up . Basically you are increasing your salary to cover the premium payment , you then add to your withholding to cover the additional taxes . This way the individual is paying the premium so the benefit will be tax free and the business receives the payroll deductions . For your employees , you can provide long term disability or short term disability as an employee benefit . The same rules apply however , taxes will be paid at some point , either on the premium or on the benefit . |
Can Disability Insurance Be A Business Expense? | The answer is yes , no and maybe . Yes , it can be tax deductible if the business owner purchases a Business Overhead Expense policy or BOE . This policy is specifically designed to pay bills and payroll not the owner direct . For this reason a BOE policy is tax deductible . On a straight disability income policy yes you can set it up with the help of your accountant to have the business pay the premiums . In most cases you do n't really want to do it that way . If you pay premiums with post tax dollars then benefits are tax free . If you pay premiums through the business then your benefits would be taxed as income . Think of it as do you want to pay taxes on the seeds or the harvest ? The premiums are much smaller in comparison to the benefits received there for a lot less tax will be paid . |
Can Disability Insurance Be A Business Expense? | It depends upon the type and purpose of the disability insurance policy . Insurance premiums for a disability insurance policy taken out to pay for lost earnings due to a illness or injury are not a deductible business expense . However , a disability insurance policy taken out to pay business overhead expenses in the event the business owner is disabled by illness or injury is a deductible business expense . You can refer to IRS Publication 535 , released in 2014 , for the specific details on these matters . |
What Is The Average Car Insurance Rate In Kansas? | According to the National Association of Insurance Commissioners , the average cost of auto insurance in the state of Kansas is around $ 625 per year . |
How Much Is Car Insurance For A 18 Year Old Female In Minnesota? | There are several carriers who would offer an 18 year old in Minnesota car insurance coverage . What 's probably important to you is who will give you the best coverage at the lowest price . To get this , you should seek out the help of an agent who is licensed to sell auto insurance in your state who can show you various auto insurance quotes . |
What Is The Tax Rate On Life Insurance Payouts? | Life insurance death benefits paid to a beneficiary are not subject to personal income tax . If the policy is surrendered prior to death , the person receiving the proceeds is liable for income tax on any amount that exceeds the sum of the premiums paid . There are exceptions to these principles . |
What Is The Tax Rate On Life Insurance Payouts? | When it comes to Estate Planning sometimes people get confused with taxes an estate will have and using Life Insurance to pay for that tax . Life Insurance provides a tax free death benefit to the beneficiaries . One use of Life Insurance is to put into an Estate Plan to pay for any taxes due . This generally will onlybe the case on large estates however . |
What Is The Tax Rate On Life Insurance Payouts? | Life Insurance benefits are tax free . The death benefit is also available lump sum . There can also be payments arranged for income protection which are monthly for a specified number of years . This form of payment Is beneficial for increased financial protection , for , all financial obligations may be paid like funeral , utility bills , support for family , etc. . |
What Is The Tax Rate On Life Insurance Payouts? | What is the tax rate on life insurance payouts ? In most all cases the life insurance payout tax is zero . Usually there is no tax consequence on life insurance proceeds presented upon death . The time that the benefit would have tax ramifications would be when the life insurance premium was taken on a pre tax basis . This would make the death benefit taxable income . |
How Do I Get Life Insurance For My Mother? | It is entirely possible for you to obtain Life Insurance on and for your Mother . In many cases there are companies that specialize in such policies , but even in the primary Life Insurance market , so long as she meets age and health underwriting guidelines , such a policy should certainly be available . |
How Do I Get Life Insurance For My Mother? | To get life insurance for your mother , the best place to start would be to sit down with your mother and jot down her health history , medications , and height and weight . You can call or email that information to an agency that carries several final expense products , so they can shop for her best rate . She will probably need to do a phone interview to get the lowest price . If the face amount is under $ 30,000 she will not need to take an exam . The application process will vary depending on which company you go with , but she should have a policy within a couple of weeks . |
Can A Homeowners Insurance Company Drop Your Coverage? | An insurance carrier may decide to cancel or non-renew a client if the client no longer meets the carriers standard for providing coverage . A client could also be dropped or non-renewed by a carrier if the coverage provided was approved under false information or fraudulant acts . If you receive a letter of cancellation or non-renewal from your current carrier you should contact your local agent to either contest be dropped or non-renewed or they may be able to help you secure coverage else where . |
What Does No Cost Sharing Mean In Health Insurance? | No cost sharing in health insurance means that either yourself or the insurer is paying the entire amount of either the claim , the policy or both . Typically , you will find that rarely does an insurer or a customer pay 100 % -LRB- initially -RRB- of a claim or premium . In some situations , after a deductible is met , you may see an insurer paying 100 % of a claim . |
What Does No Cost Sharing Mean In Health Insurance? | No cost sharing means the treatment you receive is fully covered by your insurance plan . Under Obamacare rules , most preventive procedures must be available at no charge to you . There are about 120 different preventive care procedures listed by the government . You would not be required to pay a copay or other charges if you have a major medical plan . |
Why Would I Be Denied Life Insurance? | There are many factors to life insurance underwriting that can contribute to a denial or decline . Unfavorable medical information is the leading cause for declination . Also negative behavioral lifestyles like addiction , multiple motor vehicle violations or hazardous recreational activities or dangerous vocations . There are financial items like no insurable interest between the insured and beneficiaries or the inability to financially justify the amount . |
Can You Get Insurance On A Car In Someone Else's Name? | In Montana and in many state the answer is no because you have no insurable interest . But you can get what is called a non-owned policy that covers you driving any car for liability only so long as you do not have a car titled in your name . The policy is very reasonable as far as rates go and protect you if you hurt someone in and accident and also protects you if you are hurt in an accident and have un insured motorist and under insured motorist . The reason you can not insure someone else 's auto is the insurance company in the event of a claim would have to issue the payment for the carthat you were driving wasdamaged the check would have to go to the owner of the car . |
What Does An Immediate Annuity Cost? | The `` cost '' of an immediate annuity is exactly the amount you put into it . Generally , any annuity costs are already figured into the payout you will receive . Insurance companies offer different minimums and maximums and that varies considerably . Some companies allow as little as $ 5000 . With an immediate annuity , you give your retirement savings to an insurance company and they promise to pay out a monthly or annual amount for the rest of your life or for a fixed period . You can choose a joint annuity which would continue the payout to your spouse after your death . The amount of income generated from your immediate annuity will depend on the type of annuity -LRB- such as fixed or variable -RRB- , your age , sex and marital status . |
What To Consider When Purchasing Life Insurance? | When purchasing life insurance to cover the life of a bread winner in the family or a business partner at work , it 's important to collect information to properly cover your beneficiaries . You need to include all debt , future obligations and your value to earn a living , i.e. how much will you make between now and the time you retire . |
What To Consider When Purchasing Life Insurance? | When purchasing life insurance , you need to consider : 1 -RRB- What type of policy you need . This can be Term or Permanent or both . 2 -RRB- Your budget . Life insurance must be affordable or it will be dropped before the time of need . 3 -RRB- Your obligations . What you want to use the insurance to cover . 4 -RRB- The security and integrity of the life insurance company and your agent . 5 -RRB- The features and guarantees in the policy itself . |
Can I Pay For Health Insurance With A Credit Card? | You can pay for health insurance with a credit card ... sometimes . I 'll clarify . Typically , when you apply for a new policy , there may be a billing option that allows you to make the first payment with a credit card . However , usually , with ongoing and future billing , payment by check or via mail is the preferred method . However , late payments can often be paid by credit card . Each carrier has its own rules . |
Does Having Children Increase Car Insurance? | Having children who are not of driving age and licensed does not in and of itself increase car insurance premiums . You may want to talk to your Insurance Professional about increasing the liability coverage in your policy , however , in the event you are volunteering to take your children 's friends to the ball field or anywhere else . Once your child is of driving age and then is issued a license , the insurance company will charge a bit more . Insurance premiums reflect the risk that a company is assuming on your behalf . Younger , inexperienced drivers do tend to be an increased risk . Be sure to ask about available discounts for having taken Drivers Education , being a good student , qualifying for occasional usage rates etc to save money . |
How Does Life Insurance Work In A Divorce? | Unless a change is made by the owner of the life insurance policy or court ordered coverage is imposed , nothing is affected . Generally , if the parties are amiable , cross ownership by the parties for the benefit of their children is the first approach . Remember , policy ownership controls the contract . Any change in ownership could trigger a taxable event with permanent cash values . |
How Does Life Insurance Work In A Divorce? | When a couple has existing life insurance , they need to work out on their own , or with their attorneys , or by court order , what to do with those policies . They may want to simply adjust owners and/or beneficiaries . Or they may choose to terminate the coverage and buy new . It is almost always a good idea to have separate policies for an ex-spouse and new spouse . |
How to best prepare for a life insurance medical exam? | In addition to Neil 's excellent advice , I would add : >> Pick a place for the exam where you will be most relaxed . If you have `` white coat syndome '' -LRB- your blood pressure goes up when you are nervous -RRB- , have your examiner take a reading at a time of the exam when you feel most relaxed -LRB- like maybe after your blood sample has been drawn , if also have a fear of needles -RRB- . >> Be prepared to answer lots of health questions , even if you have answered them before . Double checking is the way they flush out things that may have accidentally been omitted , and that is what ensures that your policy will pay out for your loved ones if tragedy would occur . >> Have the names , addresses and phone numbers of your doctors on hand , as well a list -LRB- or the bottles -RRB- of your medications . |
How to best prepare for a life insurance medical exam? | Here is the list that I keep on file for my clients : >> Fast for a minimum of 8 Hours Prior to Exam unless you are diabetic or have another health condition . If you do have a health condition we will discuss specific instructions for your case . >> Insist on Morning appointments only ! Blood pressure and exam results tend to be better in the morning . Many examiners are available on Saturdays as well . >> If you are sick on the day of your exam , cancel . We can always reschedule the exam when you are better . >> Take your medications as you normally would . >> Avoid alcohol for a minimum of 24 hours prior to your exam . Blood pressure , liver enzymes and more may be elevated otherwise . >> If you smoke , do not smoke prior to your exam . Smoking raises blood pressure . For cigar smokers and other tobacco users Some of the companies will give you a non-smoker rate but your urine sample needs to be negative for nicotine . Please call to discuss your case >> Your weight Check your weight in the days leading up to your exam . On the day of your exam , take your shoes off , dont wear belts , empty your pockets , wear light clothing . IMORTANT Make sure you ask the examiner what your weight is . If you think it is wrong , ask them to weigh you again . >> Your height Stand up straight just like Mom told you to . IMPORTANT Ask the examiner what your height is . If you think it is wrong , ask them to check again . >> Avoid Caffeine on Exam day Caffeine elevates your blood pressure . Avoid it for at least a few hours prior to exam . >> Cholesterol TIP Eat plenty of oatmeal and bananas in the week leading up to your exam and lay off the sweets and other cholesterol elevating foods . >> Exercise TIP If you exercise , do NOT exercise on the morning of your exam . Exercise may artificially raise your blood pressure . >> Water Drink lots of water to flush out your system leading up to the exam . |
When Are You Medicare Eligible? | Most will become eligible for Medicare at age 65 . If you have enough Social Security wage quarters , are a US citizen or here legally and have lived in the US for 5 years you will be automatically enrolled in Medicare Part A and B at age 65 . Disabled individuals may qualify for Medicare at an earlier age . |
Where To Find Health Insurance? | It is going to be interesting to see how the insurance companies are able to cope with the fact their industry has spent millions only to now be told they must keep `` those policies in force '' for another year . I am thinking the practical way to proceed for an insurance agent is to stick with the main line companies like Humana and Golden Rule which is owned by United Health Care |
Where To Find Health Insurance? | Health Insurance is usually purchased through Health Insurance Agents . Keep in mind that the agent does n't charge the client -LRB- you -RRB- any money . We offer Health Insurance throughout California . If your in another state , make sure to look up a Health Insurance Agent that has contracts with multiple carriers so that they can give you the most options and the best rates possible . |
Does Renters Insurance Cover Dog Damage? | If your dog damages your apartment , you might have coverage under the liability section . Sometimes a company will put a form into your policy that would restrict the amount paid , or even deny coverage depending on the breed of the dog . If the dog that damages your rented property isnt your dog you can sue the owner of the dog . |
Does Renters Insurance Cover Dog Damage? | If your dog damages property , such as a door , there might be coverage . Many companies specifically exclude or restrict recovery if certain breeds or types of dogs are concerned with personal injury . This principle might also apply to physical damage . Most landlords require a damage deposit before renting property to someone who had an animal . |
Does Renters Insurance Cover Dog Damage? | If there is any coverage at all it would fall under liability . This means your landlord is going to sue you for the damages of which your insurance provider will have to step up and defend at the very least . The insurance carrier will then make a determination if there is coverage . My question is , did the landlord allow you to have the dog ? |
Can A Person With MS Get Health Insurance? | Yes , a person with MS can get health insurance . Effective January 1 , 2014 all individual health insurance plans will no longer have preexisting condition issues . You should speak with an independent health insurance agent to discuss your needs and they will be able to show you plans from all the major carriers . |