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 Which life insurance company is best in settling claims?
Which life insurance company is best in setting claims? I want to but a term insurance for 25 yrs. I am 35 now. Please suggest good plan and insurance comany. Is there any databse where we get more ...


 Ive got 6 points on my drivers licence does my insurence go up?
...


 I'M in a dilemma please help.?
I lost my watch in my house.I think my 1 year daughter put it in the pedal bin in kitchen. how do I get an insurance claim for this watch? It was quite expensive so need a strong case against these ...


 If someone dies in a car accident, does the insurance rate for their family account still rise?

Additional Details
Assuming the person was at fault in the accident....


 Pet insurance??
what does it cover?? does it cover all the treatments, jabs and all trips to vet or what?? ...


 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 ...


 What are some things a driver under 25 can do to save on auto insurance?
I don't mean the basic stuff like drive safely, don't speed, etc. I mean, what are some insider things that you can do? I guess I'm looking for insight....


 Household insurance?
Hello, i wonder if you could help, we are currently selling my parents house, who are now deceased, i wonder if its possible for me to insure the property just incase of a fire etc.
And would it ...


 If I buy a term insurance policy for 30 years, what happens if I live more than 30 years?

Additional Details
Will I have to pay a high price for more insurance?...


 National Insurance Number?
Is there some system or reason for the letters and numbers in the national insurance number we are given?...


 Is health insurance worth the money?
I have been with Bupa health insurance for years but have never used them. I'm 21, Do you think I'm to young to need insurance as I will most likely not need any untill I'm in my 40s. I...


 Desperate for medication but no insurance (no job)?
My daughter is Bi-Polar, newly divorced, desperate for a job-she has a little daughter. The ex-husband is of no use and I am her only family. There is no health insurance-for a while she paid her own ...


 My son died at christmas 3 years ago, devastated, i didn't find insurance policy until now, is it too late
it is a life insurance policy that awards for accidental death, I understand there are limitations, but i also understand there are reasonable 'excuses' for the relief from forfeiture. I...


 Life Inurance: Do I go with term or whole life and why?
I am a 28 year old man with two young kids and i'm trying to figure out the advantages of whole life and term life insurance. I have friends who say whole life is a waste of money, yet my ...


 Best place to purchase health insurance?
I am starting my own small business and need health insurance for my family. I won't go with Kaiser, please don't ask why. I need an HMO with no deductable or a very low deductable because ...


 After death-- how long to recieve insurance money?
My friends husband just died and she asked to borrow money for the funeral and other costs. How long does it usually take to collect the insurance money, so i will know how long to extend the ...


 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?...



Kareem H
How much can I expect to pay for cobra insurance?
I was recently offered a job that pays much more than my current job. The downfall is the employer is small and does not currently offer an employee insurance plans. I'm 30 years old and I've never had any major health issues. I know I can keep the insurance from my former job thru cobra law. But what will i expect to pay. Currently as an employee I pay 26.35 per each pay period (2 week pay periods) for medical insurance and 9.53 a pay period for dental. In summary i pay roughly 71 dollars a month to cover myself only (no dependents). the company i work for has 7000 employees worldwide. probably 2-3000 u.s. employees. How much can I expect to pay for cobra?
                     
 




Tom Z
"I know I can keep the insurance from my former job thru cobra law."

Nobody has mentioned that COBRA benefits last for only 18 months.

As you say your young and have no health issues I would apply for a new individual health policy now the difference between what you will pay under COBRA and your own policy that is customized for your financial situation will be significant.

I've done that many times for my clients


Lego Indy
Five years ago when we had to get it, we paid over $600 a month for a family of four.


K.B.
Ooooh, from what I remember of Cobra, it will be LOTS more expensive than what you're paying now. Like a couple hundred dollars a month. I did it once between jobs before I realized that I had other options. It was up to something like $400 or $500 a month for my husband & I when we last used it and that was several years ago; and it keeps going up. It's basically, the several employers told me, to try to DISCOURAGE you from using it!

BUT what you could do instead, is call a Blue Cross agent, or some insurance like that and see what they can get you for minimal insurance. They should help you for free, or explain how to calculate it on their website. My husband did that when he switched jobs, and when he was self employed. He just got insurance for hospitalization, not for dr. visits (those he just paid when he needed to go). It might be MUCH more affordable for you. Good luck!


Roy
TOO MUCH!!!!!!!!!!


SAMD010
Rating
I am paying $350.oo a month and it was my late wife's insurance . . . I have Kaiser Permanente ... And I am going to jump ship with COBRA and go and get something else. I have to.


redstake69
COBRA IS PROably double that maybe a little more


sarah_smiles
Plan on at least 2 1/2 times that. I had to pay about 224.00 a month for mine. It doesn't matter how many employees...you will be paying it all....

It really sucks, the law ought to say you only have to pay what your employer does, but it doesn't, it only guarantees that can not drop you for health conditions as long as you pay for it.


skaizun
Rating
Your question cannot be answered because you did not indicate (and have no way of knowing) what percentage of your health coverage your company pays (i.e., you don't really think that your health coverage costs a mere $26.35 per pay two-week pay period, do you?). Generally speaking, you will have to pay whatever the company is charged for the insurance, which is usually cheaper than what you'd have to pay for it on your own, because they get a group rate, but, most likely, more than what you're paying, now. You need to discuss this with your benefits administrator, not strangers on a website.

The "good" news is that you don't have to accept or reject the COBRA, immediately, but, naturally, if something happens to you in the interim between the end of your last pay period (i.e., the official end of your current health benefits), you might not be covered, and could suffer a huge financial hit. While it might be true that you've had no major health issues until now, as with the stock market, the past is not a good indicator of future trends!


protoham
Your cobra will depend on the plans benefits. But I would expect about $350.00 to $400.00 per month individual, $800 - $850 family. You new employer may want to consider getting a group plan for his small company. You only need two to be considered a group and if you are younger than him it will pull his rates down.

BTW the rates I mentioned above is what an employer pays. Cobra is the same.


mbrcatz
Rating
Of course, no one hwere would know for sure, but if you budget $400 a month, that should cover it. I'd bet it's between $350 and $400.

It has NOTHING to do with how much gets taken from your pay. Your employer pays most of the cost, anyway.

The big question is, what will you do for coverage when your 18 months of COBRA is up?


A_Moron
You'd have to ask Cobra Commander or Destroy about the benefits of being in Cobra and how much they cost.


flashdench
Rating
Depends. Do you live in India? Are there many cobras around? What's the likelihood that you would be attacked by a cobra? Do you play the flute? Do you have a turban? Many variables.


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