 Should Insurance cover water heater damaged due to failed pressure reulator? |
The pressure regulator on my home's incoming water line failed, leading to community's incoming 160PSI pressure (rather than the regulators 60-70) bursting my hot water heater.
My ... |
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 Family travel insurance? |
Im going to Egypt in june with my husband and two sons,We need to get travel insurance but when i get quotes on line the prices vary from 15 pounds to 100 or more.
Any one recommend where i can ... |
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 Is anyone else experiencing this homeowner's insurance problem? |
| Our homeowners insurance doubled this year. The cost is really impacting our ability to pay the premium. Every company we have talked to insist that we insure to replacement cost which of course ... |
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 Allience what does it mean ? |
| allience what does it mean exactly ? is that means cooperation as well ?... |
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 Flood insurance? |
| I called GEICO, they told me that flood insurance is only available through FEMA ($180/yr - everybody pays the same). A "flood event" is defined as water that covers two acres; water that ... |
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 If you pay cash for a car does the dealership still have to offer gap insurance? |
| I bought a van and paid with a check from another finacing company the deajership did not offer us gap insurance and they are saying that they did not have too because we basicaly paid cash which we ... |
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 Can i use my car that i own to lease out to a company to make money? |
Additional Details
I have a car that I own and i dont need it because i own 2 other ones. Can i lease out my car to a company or have a company use my car and pay me for them using it ... |
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 Term Insurance...help!? |
| Hey so I'm recently married and want to buy some level term insurance but am not sure which is a good company to buy from. Anyone have any suggestions as to where to buy this stuff and how much ... |
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 Medicaid Question...? |
Okay I need someone who REALLY knows that they're talking about. Seriously.
Okay I am 3 months pregnant and going to apply for medicaid this wednesday (December 10th)...I am ... |
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 Will homeowners insurance cover needed decking once roofing underway? |
| I am in the process of having roof replaced after hail damage. My insurance company (Travelers) adjustor had given me the verbal go ahead to do roof based on the estimate that we received. We have ... |
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 Anyone ever heard of insurance paying your hospital MORE than what was billed? |
Our insurance company paid $500.00 dollars more than the actual bill plus they want us to pay a 20% copay! Anyone been through this before!!!!!!
Additional Details
I need to add to this ... |
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 How important is insurance to you? |
| Insurance companies sell them in many different forms. Life , Critical illness, Pet etc... We never used to have so much insurance in good old days but nowawadays we seem to have an insurance ... |
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 My husband lost his job and we have been out of medical insurance for 8 months now. My son is sick and in the |
| E.R. right now with health complications and we are running lots of medical bills. Do you know if it is possible, since it has been under a year without insurance, if we can file for Cobra coverage ... |
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 Would I win if I sued this insurance company? |
| About 3 months ago I filled out a life insurance application, took the physical etc. The policy was for My wife, my child and I. My wife and I are both 21 years old with no medical problems etc. The ... |
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 Universal life insurance a good idea for dev. disabled heir? |
| I have a developmentally disabled daughter. I would like to be sure leave her money when I do die. I have a 30 year term life insurance, I'm 35 now. I'm afraid that when I'm 65, I ... |
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 Where can I get a good life insurance policy for my father? |
| He is already 63 years old, a smoker, and not so great health. I don't want a million dollar policy just enough to cover a funeral and his last debts as I will be the one to take care of this. A... |
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 Have you ever had a problem canceling a health insurance plan? |
| I work a full-time and a part-time job and have carried medical insurance through both employers. I no longer want to carry the insurance from the part-time employer. When I sent letter(s) to the ... |
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Julie | Do they have to offer benefits? |
I'm trying to find out where I can look to see if my employer should be offering health benefits to full time employees. I thought when a company employed a certain number of employees they had to offer health benefits. Does anyone know of a site I can go to or do you know the answer? I know different states have different laws but I thought this was a federal law. |
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mkulda
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You are only partially correct.
There is no federal law in the US requiring employers to offer health insurance to their employees.
Massachusetts just passed a law that says by a certain date, all citizens have to have insurance and if you don't get it from your employer, you'll have to buy it yourself. In other words, you'll be forced to buy it on your own if your employer doesn't provide it.
IF your employer does offer coverage, there are a few things they must do.
First if it is an employer under 50 employees, they'll have to provide you a policy with all the mandates required by your state. Some states have few benefit mandates. Many have a lot.
If your employer has more than 50 employees, they can offer a policy under a law known as ERISA which lets the employer opt out of state mandated benefits, taxes and high risk pool surcharges. ERISA only mandates two benefits (maternity coverage for employers with more than 15 employees) and reconstructive breast surgery after mastectomy). Other than those two....large employers can carve out any benefits they want. So, not only are they not required to even give you health insurance in the first place, but big companies can give you health insurance that doesn't really cover anything. |
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mbrcatz
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Employers do NOT have to offer benefits to employees; most of the time they do because they can't find anyone to work for them unless they do. But if they have plenty of potential employees willing to work for no benefits, most likely they won't.
There is no law mandating that an employer MUST offer health insurance; it's a straight function of market. |
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SafetyDancer
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Nope, businesses aren't required to provide employee benefits...yet. Stay tuned, however. Several states are toying with the concept. I think Hawaii may have some kind of mandatory law in effect for businesses over a certain number of employees, but I'm not sure about that.
You may be thinking of the COBRA provisions involving health insurance. Under most severance situations, you must be offered to continue your then-current health insurance for at least 18 months. You have to pay for the entire premium yourself. |
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zippythejessi
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Employers don't actually HAVE to offer any benefits to employees - most do to keep them happy. But, there's no law to require them to offer anything. |
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†ღ†Jules†ღâ€
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Usually companies will not give out benefits until you are finished a probation period. Most likely it's 3 months. I would ask your employer cause unless you ask I don't think they would want to pay towards benefits. |
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tigertiggerii
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First look to the employee handbook. Then go to the department of labor (I think) to get additional information. Not sure which state you are in but I believe there are some variations to the requirements. |
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