 Can I cancel my husband's health insurance if.............? |
| he's offered health insurance at his new job? (My insurance at work is a group health insurance)... |
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 How to claim?? Help! I lost my birthday necklace during the weekend, found out it was missing last night.? |
| My hubby insured it when buying it. Didn't know will use it oneday. I read the t&c. It says I have to report to the police and then filed the police report to the jewlery company. then they ... |
|
 Car Insurance rate increased when I moved???? |
| I recently moved WITHIN the same county and my car insurance rates increased because of the move. Should it increase even though I am in the same county???? It's seriously like 5 miles from my ... |
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 United america insurance job scam? |
today i saw a now hiring sign for united america insurance...
So i call this lady and she sets me up for an interview at 10am.
i was expecting the normal one on one interview with a ... |
|
 What type of information do insurance companies disclose to your employers? Illnesses, prescrptions? |
What type of information do insurance companies disclose to your employers? Illnesses, prescrptions? Any info would be appreciated.
Additional Details
Do you mean health insurance ... |
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 Does it make any sense that a child should be rated as uninsurable? |
| I have a child with ashtma, and two years ago her father, quite his job with no warning, he stopped paying child support and her insurance ended. I found out in December she had no insurance, my ... |
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 My sister's company health insurance is $750 a month. She and her husband are expecting a baby in Sept. Help!! |
| They are afraid the insurance will be $900 or more a month after the baby. Does anyone have any insurance ideas for this young family? I please need insurance options not comments like: Get a new job.... |
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 National Insurance???? |
Hello,
I am confused about how much (if any) I should be paying.
I am 16 years old in full time education, and currently working full time for £200 a week.
I am paying £10... |
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 Parents own car and insurance but im moving to California with it.? |
| My parents own the car and the car insurance is under their name. Im pay them montly but its cheaper that why i think. Im planning on moving to California in june but I need to take the car with me. I... |
|
 Anyone have any expertise on Life Insurance? What happens to the monies invested once a policy lapses? |
| I have a friend who's Life Insurance policy lapsed due to non-payment of premiums, after losing her job. She had paid into the policy for 10 yrs. I thought she might have some sort of refund ... |
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 Does anyone know of a good health insurance on pre-existing condition? |
| I am changing jobs and will loss my health insurance. I was waiting till this winter to have knee replacement on both knees both in pretty bad shape, anyway does anyone know of a insurance company ... |
|
 Help....what do yu think my rights r?? |
| oka so we had a fire in my 5 family home..the fire started becuz some lady was smokin and feel asleep...the fire started on the other side a the building which is a whole different address.our whole ... |
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 Should I switch my wife from my COBRA plan to Medicaid? |
| My wife is 6 weeks pregnant and we are currently under the COBRA plan from my previous employer. The COBRA monthly payment is very high and I am not sure when I am going to get another job. So I am ... |
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 E-Insurance.com, has anyone had experience with this company? |
| Supposedly growing company, I am looking for info from anyone who has used their services and can offer credibility or trustworthiness.... |
|
 Why are bicycles not licenced nor needing insurance ? |
| After all, they are considered vehicles and must follow and obey traffic laws, so why not make them act like the other vehicles, license and insurance. It might also cut down on crime by deterring ... |
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 Will my insurance pay for my car to get fixed after it was sideswiped by a unidentified person? |
| I own a 2006 nissan altima and last night i parked it on my street like i do every night. When i went to go out today i saw that the left side mirror was knocked off then i realized the whole left ... |
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 Lost heath/dental insurance, anything more affordable than COBRA? |
| I just graduated from college and have 30 days to determind if I stay with the COBRA plan (about $350 a month) or find other insurance. I don't mind having to use in-network doctors. I'm ... |
|
 Can I get renters insurance with the company my parents use for auto if I don't live with them? |
| I'm still under my parents auto policy for car insurance, but I live on my own now in the same state. The auto insurance company we use sells renters insurance too. Can I get a renters policy ... |
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 Can the Hospital sue me and take my money? |
I am a Veteran and have the VA Hospital insurance.
My income consists of the following:
SOCIAL SECURITY
JP MORGAN PENSION
SOCIAL SECURITY DISABILITY
401 K
A... |
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Simon D | How can i insure my salary as my company has no sickness benefits? |
My company is introducing a policy where all employees are given the option of becoming salaried or staff,one option means that you lose staff benefits ie sick pay.I wiant to know if there is a insurance scheme which would cover my basic salary if sickness occurred |
 |
 
Twinkles
 |
There are actually two types of policies for this type of cover.
The first type of policy is often taken along with a mortgage. It is known as Accident, Sickness & Unemployment (ASU) but you do not have to take the unemployment element of the cover if you do not feel it necessary to insure against redundancy. You can usually insure up to 125% of your mortgage and associated insurance costs which will be paid out in the event of you being unable to work due to illness or injury. The benefits will pay out for either 12 or 24 months (depending on the policy) or until you return to work, whichever is sooner.
The more comprehensive form of cover is Permanent Health Insurance (also known as Income Protection) and will cover up to 65% of your salary. The benefits will be paid out either until your set retirement age as specified on the policy or until you return to work, whichever is the sooner.
Obviously Permanent Health Insurance (PHI) provides much greater cover as if you are unable to work again you have an income throughout your working life but this means that it is often far more expensive. The other main difference between the policies is the application process. Under ASU it is a simple application and the cost is the worked out per hundred pounds without any underwriting. The underwriting is then done in the event of a claim. However, PHI is underwritten upfront so the insurer will want full details of your health, employment and lifestyle and the premiums are set accordingly. The higher risk you are the higher your premium will be.
Hope this helps but if you need anything further please drop me an email. |
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taz man
 |
personal accident and sickness will not do the job long term. You need an Income Protection Policy (IPI) this will pay out if you cannot work because of sickness or injury. Accident sickness and unemployment will pay out for no more than 2 years where an ipi contract will pay until you retire, until you die or until you return to work. It is allot cheaper than ASU and does a better job. Speak to an in dependant financial adviser.
Good Luck |
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welcome news
|
You won't be able to cover your full salary.
You can either take out an accident and sickness insurance policy which will pay you a weekly benefit for 12 months (sickness) or 24 months accident - usual maximum 75% of gross salary or an income protection policy that will pay you a monthly salary (usual maximum 50% of gross salary).
There are other schemes available to cover fixed expenses (e.g. mortgage repayments) at lower rates.
You could look at http://www.portwood.co.uk/asuone.htm for examples. |
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Jerry J
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Aflac can cover any gaps in your company's insurance. |
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Gemz
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you should see a mortgage advisor (if you have one), when i took out my mortgage i was offered cover to protect my wages if i became ill etc it cost £11 per month |
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sparkle555_2000
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The sort of policy you would need is called Personal Accident & Sickness cover. It would provide a weekly benefit (equivalent to a week's salary) for each week you are off sick. It also covers you for accidents which require you to take time off work.
Be aware that most of these policies will only pay out if you are off work for more than 7 consecutive days, but once this threshold has been reached, you will be paid for the full length of your sickness including the first 7 days (this threshold is known as a policy franchise). |
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