 How flexible are life insurance quotes. Can I negotiate with company for a better rate.? |
| I got a quote for my wife and me for life insurance (20 years/400K each). I would like to negotiate a better rate with the broker (assuming same coverage).Can it be done, or are the rates fixed, is ... |
|
 How do you feel about insurance companies pulling your credit report? |
| I live in Michigan a state where it is law to have insurance. I have also been denied insurance by a certain large insurance company based on my credit score. I just don't think they should be ... |
|
 Isn't it kind of sexist that women pay a lot less for car insurence than men? |
| It's not fair, if a 19 year old girl and guy both just get their drivers license's and buy a car the guy will pay double than what the girl pays for insurance.... |
|
 Car accident and should I report to my insurance? |
Hi,
I got into a car accident this morning.
A big delievery truck was trying to merge into my lane and hit me from side from behind. But he won't admit it was his fault.
I ... |
|
 Can I change my insurance agent? |
| Recently I found that my insurance agent has cheated me by misguiding me about some wrong investments and now refused to provide me any more services. Now if some other agent is ready to serve me, or ... |
|
 How do I find out if a business is licensed, bonded and insured? |
| I am wanting to find this out because of a ceiling repair company came into my home and has stolen an Ipod nano in the room that was being repaired.... |
|
 I just accidentally found out my co-worker makes very close to my salary and I have been there 4 years longer? |
| I am a manager and she is technically my employee and I have about 10 times the responsibility she does. I just found out she brings home $37 less than me a week. I feel very hurt and angry, but in ... |
|
 Hi? what's ufo stands for? |
| i don't understand UFO.... |
|
 Life Insurance? |
| I have read many answers about term vs. whole life insurance. Maybe I am dumb, but I am still confused with all the options and blah blah blah. Here is my situation and please suggest what I should ... |
|
 National insurance number? |
can a national insurance number be used to
find out if a person is working or not?
... |
|
 10 yr, 20 yr, or 30 yr term life insurance?? |
| I'm 20 years old, married, no kids. I want to take out a term life insurance plan. (I probably will need it for about 30 years) My question is, should I take out a 30 year plan, so I will be ... |
|
 I don't even trust myself now ... Help required ... ? |
Additional Details
apologises this should have gone in the mental health category ...... |
|
 I just found out that i'm pregnate, and i don't have insurance? |
| i can't find anyone that will give me insurance because i'm already pregnate. can anyone give the names of any companys that will give me insurance or a maternity card.... |
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NatBug | Can only "legal" family members be considered as "dependents" under someone's insurance plan? |
My fiance has a great job and is covered under his company's health insurance plan (Blue Cross Blue Shield). Can I be covered under his health insurance (for an additional premium, of course) if we are living together but not yet married? |
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Expert Realtor
 |
Only if the company allows for a 'domestic partner'. People just assume this is for gay couples, but it is actually for anyone who has a partner that is not married.
Remember that any insurance company will cover anything that the employer is willing to pay for. It's like a menu selection that they are given a price on...and that is an option that his employer may or may not have elected to take, as it is more expensive than spouse-only. |
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wizjp
|
Each plan has it's own rules; contact the provider or read the policy offering to see what is and is not a family member |
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Jim S
 |
If his company offers domestic partner benefits, you sure can. |
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hightechchic
 |
In some states, it's mandatory that group policies allow this kind of provision for domestic partners. In other locations, it will depend on the specific contract the group has negotiated.
Ultimately, your significant other is going to have to ask the HR folks. But even if you're eligible to be added, it can only be done during the annual open enrollment period (which is set by each group) or within 30 days of a "qualifying event" (and you aren't going to have any qualifying events, because the only one that would apply in your situation is marriage.) |
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sarah314
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The only way this is possible would be if the company had domestic partner benefits. And those companies are few and far between, honestly.
Most likely, you'll have to wait until you get married to be added. |
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Dont_taze_me_bro
 |
He needs to find out if there is a Domestic Partner provision. There may be a 6 month test, or he can sign you on during open enrollment. |
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mbrcatz
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Unless your state and his employer allows "domestic partners" to be added, AND he declares you to be his domestic partner, you can't be added.
You could always go get married, though . . . |
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SCH
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No...you need to be married before his health insurance will cover you...and when it does his premium will go up. |
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Pete
 |
Acutally, it depends on what state you are in and what the law is. Here in Maine, we don't recognize same sex marriages, but you can claim "domestic partners" for health insurance. This is to include man/woman relationships as well. Go to Blue Cross (Anthem) and email them as a general question. If the state mandates it, they can't refuse you coverage provided that you have satisfied any requirements. I believe in Maine, you have to have resided together for 6 months prior to acceptance into the program. |
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Owning Dogs .com
 |
Nope - you will need to get married before you can get insurance under his employer. However there are many affordable individual plans available - see an insurance broker in your area and get on a major medical plan - and keep an emergency fund of at least $1,000 (it will help for life's other emergencies too!) |
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'Sunnyside Up'
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Usually not, unless he has the power of attorney over you.... is actually taking perminent care of you as your guardian because you cannot do so yourself, or you are minor and he is your caretaker. You see, if it is your own choice to live on the same premisis as he does, that isn't cause enough for his company to have to comply. Reason: your choice to live there vs somewhere else so that doesn't obligate his company to do nothing for you. |
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jane d
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NO |
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Texas Twang
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I think you have to get married otherwise gays would be allowed to add their significant others. |
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