 Water damage and homeowner's insurance questions? |
My upstairs toilet overflowed, running thru my ceiling and onto my kitchen, hardwoods, etc.
Servicemaster has been here and has cut holes everywhere and has fans, etc dryin things out. Adjuster ... |
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 What factors (i.e. speeding tickets, credit rating) will affect your ability to get car insurance? |
| Let's assume you already have car insurance and you are looking for a company with a lower insurance rate? Will a new car insurance company accept you if you have one prior speeding ticket? How ... |
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 I had a horrible experience with the moving company I signed up with should I file a claim with the BBB? |
| The moving men were rude,unprofessional and I feel like I was taken Advantage of because I am a woman.... |
|
 Maternity Insurance. HELP!? |
| i'm currently under my parents plan until i get married (in march). we're trying right away to have a baby. however, every insurance company i've talked to won't offer me any ... |
|
 My Dad passed away and he got social security? |
| okay my dad past away in august around the 9th and he got social security check for is disabilities and i got some too? well since he passed on they said i get some or all of his check that he use to ... |
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 My Policy no.420071640,issued by Baranagar Branch Kolkata,Original policy losted by branch itself? |
Duplicate Policy not found still today . When I shall get it..?
My Policy no 420071640, and 420071641 issued by Baranagar branch kolkata, I want these two converted in half yearly mode ... |
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 Recently my mother passed away. My father had a small group life insurance policy through his job.? |
He filed a claim and was denied because my mother was on disability. I'm curious , if anyone knows, if they can deny the claim even though her death was not caused by her disability.
A... |
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 Insurance told me they'd cover me, I got the procedure done, now they say they won't? |
| About 3 months ago I went to the dentist for the first time in about 7 years because I had been having horrible jaw pain and figured I had a bad tooth. Turns out, it was my wisdom teeth, which were ... |
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 Lost Digital Camera? |
Hi,
Help, I can't find my camera!! I don't know where I left it or if it was taken from my car. Some friends said I should call my insurance company and see if they will ... |
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 Should she or should she NOT call her Homeowners INSURANCE CLAIMS DEPT? |
Hi, I would like you opinion about a Friend of mine and if you think she should bother calling her Homeowners Insurance company. I will try to keep this short and relevant:
She lives in W... |
|
 Is it legal for a doctor's office to bill my insurance company for a missed appointment fee? |
| I had called and left a message on the answering machine of my doctor's office cancelling my appointment awhile back. They charged me a $50.00 missed appointment fee anyway. I just received ... |
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 Looking into LapBand surgery does anyone know insurance coverage for BCBS? |
Additional Details
boy why do people have to be so rude, aren't we supposed to ask questions on here.... |
|
 National insurance Number? |
| is it possible to get a job without requiring National insurance Number?... |
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 Would i need to switch health care providers if i'm moving to another state? |
| Before i move i was just wondering if it was necessary for me to switch health care providers if i move to another state. but the thing is, i'm the only one moving to another state, while the ... |
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 What happen if i have life insurance and after 5 years of paying it i got lost in the Amazons? |
| i want to know if i got lost in some place and they never find me, how the insurance company will do, if they will give the beneficiary the money or the company will keep ... |
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| I can't get insurance, what do I do? |
| I am 20 yrs old, I need commercial auto insurance for two trucks. Isuzu NPR-HD's one new, one used. (2007 New, 2001 w/177K) both at 14,500 gvw. the trucks are small and the business idea is ... |
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Joshua K22 | I'm in the Hospital H.R. Person forgot to send my application to the carrier!? |
I applied for insurance, but the H.R. person of the company forgot to send the application to the carrier to be process now what should i do? I'm in the hospital with no insurance. Is there something the brokerage of my company or company can do?
I'm writing this as we speak. |
 |
 
Margarita D
 |
If the company where you work is large enough to have an H.R. Department then there are a couple of possibilities--your application will be faxed or e-mailed to the health insurance company along with a letter explaining the error and the insurance company will issue the policy with coverage backdated to the date of your original application. Or the insurance company will decline to backdate coverage and will issue effective date of receipt. If this happens more than likely the company that you work for has coverage for errors and omissions committed by the H.R. Department.
In terms of pre-existing conditions, this is usually not an issue with large group policies, i.e. even if you are in the hospital due to an ongoing medical problem they will not decline you due to a pre-existing condition.
For now concentrate on getting well, I believe this will work out for you and if it doesn't you will have the time to obtain the services of an attorney.
Good Luck |
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pinky
|
The HR person is in deep doo. You are safe. Call his/her manager asap. |
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Hugh Jass
|
A letter should be sent to show that there was a mishap...or mistake not on your part but on thiers....this should be sufficient in getting the insurance problem alleviated....it would fall under special circumstances....but more than likely you will have to speak with one of the insurance representatives.... |
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Spock (rhp)
|
Pinky nailed this one.
unless you're the CEO or the HR person's manager [in which case, prepare for a lawsuit].
as long as you're an ordinary worker bee, you intended to join up and your employer accepted your paperwork. That completes the offer-acceptance cycle and you're legally a member as long as you meet the usual criteria.
That company did not forward the paperwork to the insurance carrier is between them and the insurance co.
***
of course, if the usual criteria may include no coverage for pre-existing conditions and insurance company discovers you knew about this condition before becoming an employee of the company -- then, you're likely not covered at all and there is nothing you can do about it.
[You are in America, right?] |
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Angie
 |
There's probably not much you can do from the hospital, other than get yourself well.
However, when you are feeling better, your HR department better clear this up with the insurance carrier. If they are unwilling or unable to do so and it is clearly their error, then you should take your company (and the HR person, personally) to court. Be sure to get yourself a good lawyer, you're going to need one. |
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Sue
 |
When you signed up for the insurance, your HR representative should have given you a pink carbon copy of your enrollment form. This copy acts as evidence of coverage until you actually have your member ID card in your hand.
As long as it hasn't been too long, your employer can easily backdate your coverage with the insurance carrier (they do it all the time). So, you really don't need to worry.
Get well soon! |
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