 Question about Social Security, Medicare, Insurance? |
| I presently work, and have Medicare Part A. I have Blue Cross Blue Shield through my company and pay about $320.00 per month, my company also pays $320.00 per month. $640.00 per month is excessive. W... |
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 If my ins co got wind that i have a younger brother in the house, and I went with another company? |
| Ok... Stupid me, trying to be nice and help my younger brother out... I did a "what if" quote with my insurance company and since he lives in the same house, they automatically put him on ... |
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 In New York, does a VEHICLE have to be insured or does the driver need to have insurance? |
| I just turned 18 and my parent's insurance company is making a great effort to add my name onto their plan (and almost double the premium). I know in New York, you MUST have insurance to drive, ... |
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 How can I get my HMO to pay my Medical Bills? |
| Hired at a hospital with Medical Coverage. The insurance is Blue Cross Adminstrators They Have not paid my Medical Bills which total over $5000. They ask me to fill out a form of previous coverage ... |
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 Life insurance policy ? |
| my father died in 2002 while i was in my freshman year of college. i just found out my sister who was 13 at the time just got $14,000 back from his policy and my brother who was 17 at the time got 900... |
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 Can my husband & I both carry health insurance cov. thru work? |
| My questions is I guess...Can you have two health insurance coverages for the same people? Like if I got health insurance coverage through work on me & my husband and family and then he did the ... |
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 Individual short term disability insurance for maternity leave? LOTS OF ANSWERS PLEASE!? |
| My employer does not offer short term disability insurance. Anybody know of good insurance companies that offer INDIVIDUAL short term disability insurance? I want to purchase own, personal ... |
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| What car insurance company is affordable for a student with a part time job with a fair amount of pay? |
Additional Details
Im a student who is looking to get off my parents insurance and is wondering if there is a good insurance company for students that dont have alot of money to play ... |
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 My mom is fighting with social security and the life insurance. please help? |
| i live in ohio. my mom does not have enough money to pay for a lawyer but life insurance and my dads work is dicking around with the life insurance and social security is also dicking around paying ... |
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 Life insurance policy that covers whether the policy holder lives or dies is? |
A life insurance policy that pays whether the policyholder lives or dies is called??
Im trying to find out good insurance, and figure out what they all mean.
Thank you!!
Additional D... |
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 When a person elects to take COBRA, is the check made out to your former employer or the insurance company? |
| I am starting a new job and will not have benefits until January 26. I have to pay COBRA for health benefits that being on December 1 but the office manager did not tell me whom to make out the ... |
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 Help! Pregnant with no insurance!? |
| Hi, i'm 21, from VA and pregnant with my first child. I'm guessing I'm right around 5 weeks and my first prenatal visit is May 20. I'm getting married this summer and super ... |
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 Car insurance for a 16 year old in miami? |
| how much do you have to pay monthly??year??... |
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 Health Insurance for the self-employed? |
| After 13 years with my husband, he is leaving me. I have always been on his health plan because I am self-employed. Can anyone offer me any advice on where to find providers? I have no idea where to ... |
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 Can I remain on my mother's insurance? |
| My mother divorced my father when I was 3 and remarried when I was 5. My step dad adopted me, so my biological dad lost all rights and guardianship to me. He subsequently moved to New York. When I ... |
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 Homeowners insurance?? |
| Does anyone know about how much insurance, per month, would be on a $79,500, single home, in McAlester OK? If you need more info just ask. I dont know much about this stuff, soon to be first time ... |
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 How can I get home insurance for a vacant house ? |
My Father died recently and the Company has cancelled his coverage. Although I live there (part-time) I am told the house is no longer "owner occupied"
Additional Details
TMy D... |
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 How can I get my Social Security check switched over to my name from my mom's? |
| I need to get my check switched into my name so I can have the money to move out of state. How can I switch everything over to my name and switch it over to a different state? Can I do this online? A... |
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 Can insurance coverage be cancelled retroactively? |
| My coverage ended 5 months after I reduced my hours and my employer refused to let me elect COBRA after coverage ended.... |
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 How come no dental coverage from medicare? |
| Like teeth do not count as part of your health ... |
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jaeleeamari2904 | If i have had my issurance policy for 3 years how much can I borrow off of it? |
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mbrcatz
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Likely nothing. You haven't been paying into it long enough to have ANY kind of cash value.
As a rule, IF you have a cash value type policy, about 10% of what you pay into it, goes to cash value, AFTER the first five years. And you can only borrow the cash value part.
But you'd have to call your company and ask them to be sure. |
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jlcjills
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probably nothing, You generally have to pay into it for 3 years before you start to accumulate dividends.
Find the policy that you received when you first took it out. There will be a speculative illustration that will tell you how much they predicted would be available to you after 3 years. |
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johntpeck
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If it is a Term policy, you can borrow zero.
If it is a permanent policy, then check your policy illustration. You should have this filed somewhere with the policy documents. The actual amount will depend on how much you spend each month to keep your policy in force. Unless it is a large face amount, I doubt you'll have more than a $1000 ro $2000 in cash value.
Call you agent if you cannot find the illustration. |
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Mark S
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Sorry to say, not very much if you have any type of cash value. In three years you MAY have as much as $1000-1500. Maybe. You should contact your insurance company for an exact figure. Savings and insurance should not be pooled together- meaning ANY cash value insurance.
If separated you could borrow as much or as little as you wanted, pay yourself interest, and receive the money the same day. This cannot be said for borrowing money from an insurance company.They view that money as theirs and treat it that way. You can only decide on how much you want to borrow- borrowing is the reason why there is no tax penalty. You WILL pay interest back to the CO. and they can make you wait for up to 6 months before they give you YOUR money. |
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Makotto
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Contact the INsurance company and ask them. Usually policies that build cash value, build very little -or nothing, depending on your age- in the first years of the policy. |
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aaron p
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Only your company or agent will know. Anything else we say is pure speculation.
If your question had been "how much should I borrow from my policy?", I would probably advise against it. Please promise me you will order an "inforce illustration" showing the impact of the loan before you ask to pull your money out. I have seen too many bad things happen |
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shelcom
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Call them and ask...we're not psychic. |
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