 Do you think everyone needs life insurance? |
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 What is the definition for "unoccupied" when applied to house insurance? |
| I am planning to be away from home for three months at the beginning of next year, but my policy says the house can be unoccupied for only 45 days in one period. If my sister stays for 1-2 nights in ... |
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 My husband beat me at our neighbors house party. Can I sue their homeowners insurance for my pain, suffering? |
| They provided all of the alcohol and no food. I will not expand upon many details but this was a serious situation and our neighbors are sueing us for their son falling down at our house. I do not ... |
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 Which is the best car insurance? Are there secrets your car insurer won't tell you? |
Automobile insurance coverage options can be confusing and their prices vary from company to company...( Geico,Allstate,AIG
Progressive and many more)... |
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| I have insurance with a $2500 deductible and my insurance only allows my dr's office to charge $1600, but they want it all upfront and will not allow me to pay payments. I am almost 5 months ... |
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| I was rear-ended by a vechical while sitting at a red light and have damage to my bumper. I got whiplash along with my children, we are receiving care for our injuries. who should be responsible for ... |
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 If my neighbor's dogs were to cause me to injure myself on my property, who would have to pay medical bills? |
| My neighbor lets his two BIG dogs out a couple times a day for a few minutes. I am very afraid of dogs. Sometimes they come into my yard as I am walking up very steep stairs. I'm afraid that I ... |
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 What whole life insurance policy is best for a 24 year old? |
| I have a policy from New York Life, but 2 of my friends who are financial planners, say Mass Mutual would be better... there's a bunch of baloney I'm not understanding i.e. guaranteed ... |
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| Insurance company promise fast settlement, however the truth is far cry of their promise..they seems to be more concern to find reasons to delay and or repudiate claims.What about their social ... |
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 Electric company fried my PC? |
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 Car insurance deductible? |
| Okay.. soo i have mine on $1,000. does that mean even if i total my car i'll only have to pay $1000? im confused ... |
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 Do you believe medical insurance should pay for breast implants? |
| Vasectomy, chiropractors, accupuncture, penile enlargement, orthopedic shoes? Why? Have you used it for such?... |
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 Can I recieve Unemployment and still go to school? |
| In the questionaire they ask for CA. If you plan or are going to school?If you answer yes will that hurt your chances?... |
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 I don't have a house or anything but I do have a lot of life insurance so do I need to have a will or anything? |
| Since I have 800,000 in life insurance someone told me that I would need to have a will disbursing how much each child or family member should get from the insurance check is this true? I have never ... |
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 Why do Life Insurance companies gladly sign you up taking your money only to end up? |
investigating you soley in order to deny your claim?
Instead, why don't they do their due diligence prior to signing you up, then you can rest in peace knowing it wasn't a waste ... |
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 Insurance complaint? |
i just insured my car and my previous insurer will not send me my no claims forms for me to show to my new insurance company
which is resulting in my insurance going up £500 is there any where ... |
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 How is life insurance profitable for insurance companies? |
| How can they pay out all of that money when someone dies when the payments towards the company haven't exceeded the payout to the customer? Can anyone explain where their profit comes from, ... |
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 How do I make money online? |
| Does anyone knows how I can make money online?... |
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jamescbush3385 | Can I be covered under my girlfriend's insurance plan if we have lived together for a year and a half? |
My girlfriend works for AT&T and is enrolled in their insurance plan. I just graduated from college, and have not started employment with my job yet. The insurance coverage I had with my parents is going to expire at the end of this month. |
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MSAD
 |
Put a ring on her finger and make her a wife and you can.
Shack Ups usually do not qualify. |
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madjackolantern
|
most likely not. for those that state domestic partner, there are some legal issues to work out there. as for bf/gf, this is usually not a criteria for inclusion on a health plan. check with the benefit rep and ask to clarify. |
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rtfm
 |
That completely depends on the exact terms of her insurance plan. Some companies allow non-relatives to be covered, others do not. She needs to check with her HR department or read the literature they hand out about the company's benefits plans. |
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dan.chianese
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Most insurance plans will not cover boyfriend/girlfriend, even if the two live together. It should be outlined in the insurance policy statement. Don't try and do this without first contacting her HR department because it's considered unethical and the employee responsible can almost certainly be terminated for it. It's borderline (if not definitely) insurance fraud. Not to mention it costs the company a lot of $$$, which the employee would likely pay back.
To echo what others have already said, throw a ring at her and your covered!
Have her contact her company HR staff for a definite answer. |
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duffmanasu
 |
Like Insurance Pickle said, it depends on whether or not the group coverage can extend to domestic partners. Everybody who is saying that there's definately no coverage may not be right. I've come across group plans (I used to have one) that would allow coverage for domestic partners. With the plan I had, I needed to verify the domestic partnership by providing the HR department with a copy of our lease with both of our names on it and an affidavit from our bank stating that we had a joint checking account. It's worth looking into, your GF merely needs to contact her HR department.
If not, you can look into purchasing Short Term Medical Insurance, which is usually inexpensive because it's only designed to cover you for 6-12 months. This can be purchased through many insurance agents and works well for somebody who is simply between jobs or are waiting for group benefits to be offered through their employer.
In most cases, group insurance is better than individual insurance (and I sell individual insurance) and is often less costly because most employers will contribute to the cost. |
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maliboo_girl
|
It would be very unlikely that your girlfriend's insurance can cover you unless you are officially domestic partners and the company covers domestic partners. Not all companies cover domestic partnerships, and those that do might only for specific offices of their company, not all locations. There are different rules on how to officially be a domestic partner. In CA, one must meet specific criteria specified in the Family Code and file a Declaration of Domestic Partnership.
If they cover domestic partnerships, it should be in the info the company gave your gf when she was hired. Or HR can help her.
It wouldn't be a good idea to lie about your situation for insurance. The insurance companies do look into insurance fraud and take action. You don't need some $300 an hour biglaw attorney in your face. That means you gotta hire your own. Believe me, this does happen.
Because of your age, unless you have pre-existing conditions, you should be able to get a cheap policy to tide you over until you get insurance through your job. Insurance companies love young healthy people and are trying very hard to sell policies to them. If you are "un-insurable", states have high-risk insurance pools administered through companies like Blue Cross, etc. Usually the info is online.
Hope this helps. |
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SUSAN P
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Read the policy. They can differ greatly in coverage. |
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♥Sweet Cheeks♥
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Answer one is correct, shack ups aren't covered. Get married, make yourself a real married couple, and then you could be covered. |
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Daniel R
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Absolutely! Some companies do offer insurance cover for non-relative ones. If they does the clause then you may otherwise be her husband and you will get what you want.
http://www.rghins.com/ |
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Insurance Pickle.com
|
It's amazing how fast people answer and don't necessarily answer correctly. "Shack-ups" or as they're technically called "domestic partners" can count and usually only require 6 months of living together.
The question is why do you want to be on her plan? Price it out (if they allow it) as if the company isn't contributing any or much to the second person it could cost more. Group insurance costs more than an indiviudal policy so unless the company is contributing towards that portion then it may not be wise to be on the same plan.....unless you don't qualify.
So, the answer is check with AT&T and make sure she asks if "domestic partners" are covered.
http://www.InsurancePickle.com
...usually the burden of proof is that you're both at the same address... There are no legal issues because you aren't married. People who live together and aren't married are domestic partners....pretty much anyway. |
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