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 Is my life insurance cash value tax deductible?
I'm cancelling my policy. I had it for a year. I put $3500 in it so far. The agent said that won't be refunded to me when I cancel. Can this amount be a tax write off?...


 Looking for a Life Insurance Policy, where I can only Pay one time preinum?
I am looking for an Insurance company where I can pay only one time preinum and insured myself for 10 year...I think so, it would be life policy..at the maturity after 10 years...If i still alive I ...


 So, I need health insurance and I'm a single mom... any suggestions?
ok, so my soon to be exhusband is in the military and I have great health insurance now but I wont have that for long. I'm a full time student and I'm barely going to be making it as it is ...


 When I die and my husbands receives my life insurance.......?
does Uncle Sam take part of the policy, or is it all my husband/children?...


 I want Whole Life insurance and Gerber Life insurance seems good for my Newborn boy. Should I get it too?
It says 8.40 for me for 10k and 3.70 for each 5k I want to go higher. For my girlfriend it says 7.80 for the first 10k and 3.40 for each 5k extra. Does this sound like a decent deal?
Additional ...


 What type of life insurance should i get while i am very young in order to save big when i get old ?
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 If i cancel my insurance and i still have the docs, then i am still insuranced?
...


 If someone else drives my car and wrecks...?
Or gets into an incident where he/she is at fault , regardless of whether or not I'm in the car.. does my insurance cover it and my premiums gets affected or does the person's insurance ...


 What does "Term Life Insurance" mean? And is it a good plan?
...


 Looking for cheap & crappy life insurance.?
I am looking for sources of *REALLY* cheap life insurance. I have to have life insurance for the next six years (declining each year), while I pay off a structured legal settlement.

I don&...


 Re ended accident?
i was re ended a month ago keeping in mind i bought my van 3 months prior this. at a stop sign he hit me he says i backed in to him, needless to say the state po po didnt come it was the local, he ...


 What do you think about charging morbidly obese people more for health insurance?
They have just added $25/month for people with a BMI of >35 for Alabama state employees
Additional Details
Smokers pay $25/month more ...


 How do I asked question?
...


 What percentage of my insurance should I expect my employer to pay?
I work for a small startup company and have no idea what I should expect my employer to pay for my medical/dental insurance....


 Life Insurance?
I am looking to get life insurance for my wife and I. I have looked through tons of plans but honestly I do not know what I should get.

We have a house and a 30 yr mortgage, and I was told ...


 Can I buy a life insurance policy for my 77 year old mother?
...


 My home is worth 2x as much as when I bought it -- do I need to change my insurance?
I saw a 'teaser' for a news program about this like a year ago, and it's been nagging at the back of my mind since then...

Are you generally insured for a specific amount (...


 Do health insurance companies cover mental health?
im 20 years old and im still under my mom and dads plan blue cross blue shield of AZ do u think it covers mental health? im feeling kinda depressed i want to see a ...


 Are there life insurance policies for seniour citizens?
...


 Do you think insurance sales is based more on relationships or product?
...



stumped54
Can an employer cut hours so you lose your health benefits..is that legal?

Additional Details
Was hired full time almost 6 years ago. And after 4 managers later they have cut my hours to 30 I need 32 to keep health insurance. Also 2/3 of the health insurance premium comes out of my check. No raise in over 4 years. They say my employment record was lost a couple of managers ago. Last manager said they kept trying to get me a raise but the office keeps saying no. So now they are cutting my hour. I think they are trying to get me to quit. I'm a good worker...only employee that has been there that long. I'm 55 so finding other job in a rural area is hard.
                     
 




Addictive4u
Rating
An employer can not cut your hours so that they do not have to provide you health benefits. The problem is that it is impossible to prove that an employer has cut hours for that specific reason. When confronted an employer will always state that they are going by the business needs of the company.


mbrcatz
Yes.


President, www.HSAInside.com
Rating
Contact the department of Labor in your area, I work in California- which is a "At will state" meaning that a employer can fire you for just about any reason. And remember it is not really the employer who makes up the regulations of a health insurance plan, the insurance companies have mandates of hrs. worked and how many hours are necessary to be qualified for group insurance.


nurse ratchet
Rating
I don't think it is legal to cut hours so you lose benefits, but how do you prove it? You can always COBRA your benefits if there are 20 or more employees where you work.


shilo9i
Rating
Ask Wal-mart. They seem pretty good at getting away with that.


RIG
I would bring up the issue with you local mayor or tv/radio newsperson to apply pressure to the store manager. This works well in our city. Do you have any friends in the health/safety/fire inspection areas?


earfulofb.s.
It does not sound right. How can anyone lose health benefits by employers cutting employees hours? The employees are still paying for it? Are the employer paying for the employee's health benefits? It does not sound legal too me, because if you paying for it, not the employer and he/she knows you have health benefits, how much you pay rent, and so forth from how much he pays you for working for him which tells me he/she is doing it on purpose. It sounds like the employer is either trying to cheat the insurance scheme or trying to get you to quit so they don't have to pay severance package. However, an employer can not cut your base salary or deduct anything without the approval of judges or tax person or have to ask you if you are will to take wage rollback other wise they may have to lay you off due to downsizing, but can cut your hours depending on how well the business is doing. Unless you made a or sign a agreement with the company how many hours they must provide you to work. That's where a lawyer may have to come in after if things don't go right. Some employers may have a tough time paying employees to keep business alive if the business is not doing so well. But if they are doing quite well, something is shady is going on. If they make if difficult for you to afford to pay for it and still want you to work for them, it sounds like they are trying to do harm health wise which Human Rights should be involved.


cristanine
There are many ways to skin a cat. It is obviuous that they may be doing this to elude, but in the long run what comes around goes around.


SKayeMesqTX
Rating
Welcome to the real world. I work full time and my company does not offer any insurance- so i have to pay 546.00 per month just for me to have health insurance. At the rate insurance is rising, I will need another full time job just to make my premiums.


friendly advice from maine
Unfortunately it seems employers in most states can do whatever they wish. It is up to you to prove they did something for a specific reason. Most likely you will find yourself working in a different job than be given what you feel you deserve from an unappreciative employer. Best of luck to you.


Larry m
Rating
They can in n.y. but there working on these companys that call you part time and work you 50 hrs. aweek like p&c grocery


stargazer44_99
If you were hired as part-time or p/t temporary, your employer has the right to adjust your hours as he/she sees fit. They can justify their decision by stating that your job doesn't require that many man hours to complete. You need to know the status of your "hire"....then if your boss isn't complying with that agreement and cuts your hours, you can visit your local unemployment office and collect unemployment compensation(if you've worked enough quarters in the year) to make up for the time lost. Your health benefits shouldn't be based on time worked anyway...you probably have to pay all or a portion of it...it should be up to you if you want to drop your benefits or keep them. There are so many variable factors in a question like this...contact your human resource representataive for the proper answers regarding your company.


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