 Health insurance plan with high deductible and health savings plan? |
| i am looking into getting a plan with a high deductible for my family ($5000-10000) and a health savings account. does anyone know how this works? I understan the high deductible insrance but not ... |
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 Why would a prescription not be covered? |
| My husband is trying to quit smoking. He got a prescription for Chantix, and our insurance will not cover it. I guess I am a bit confused as to why an insurance company would not cover something that ... |
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 I had an heart attack while on the job working for a rental furniture company 2 years ago.Never recieved comp. |
| I was on a delivery with a guy while deliverying a 65 inch tv and started having chest pain. Went and sat in truck. Passed out and had heart attack.Recieved by pass operation. Was fired for missing ... |
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 Where is the best place to compare travel insurance products and find the best value? |
| I am interested in worldwide travel insurance to cover multi activity, baby and US travel. But I want to get the most for my money, not just the ... |
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 Just want to know, Can my employer take my whole week paycheck? ? |
| they took my whole paycheck to pay for my insurance premium health. no money left for food is that legal?... |
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 I am 55yrs old and have been caring for my disabled husband.? |
| Sadly he as died and i was wondering if i should get a pension,i am going back to work in 4 weeks (full time).i really don't know if i'm entitled to anything?... |
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 Should I have a higher or lower car insurance deductible? ? |
| 2 cars one year we were quoted 1049 w a 500 dollar deductible. To save some money we can do a 1000 deductible and its 824. we have money in the bank and usually do not use any insurance. I just ... |
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 Can the insurance company give the court/police the information? |
| Over two years ago I was pulled over (in my now EX boyfriends) suv... he didnt have his new insurance card in the vehicle but the suv WAS insured. After this incident (just my luck) I broke up with ... |
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 If you get fired, how long is health insurance from the company available? |
if/ when some one gets fired, or laid off, how long is the health and dental insurance available?
I do believe there is a difference between getting laid off and being fired...
I... |
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 I know nothing about health insurance. Is this a decent plan? |
| Okay, I just quit my job and started freelancing. I have a four year old and we both need insurance. What's important to me is that we can bot get our yearly exams and see a doctor if one of ... |
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 Expatriates - What Kind of International Health Insurance do You Have? |
| I've been living abroad for 20 years now, and have depended on local national insurance. But now I'm looking for more comprehensive health and life insurance (got married, finally, a ... |
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 Is medicare part B insurance required if you are working and have group health insurance? |
| group health insurance? I was told Medicare is primary other group insurance is secondary. please give information I can understand and pass on to those 65 and older and the insurance representative. ... |
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 COBRA medical coverage question, please help.? |
I got laid off and my medical benefits are ending. The benefits officially end on March 1, 2008. The question is:
I have 60 days from that date to elect COBRA. If in those 60 days, if I ... |
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 ER visit without insurance...how much will it cost me? |
| I went to the ER earlier today because I was having an anaphylactic reaction to about 50+ ant bites along my thighs. I went to the hospital after I blacked out, and I went in and they took my blood ... |
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 Who told me State Farm was reputable? |
| I almost got life insurance with State Farm. I searched Consumer Reports no insurance company complaints were forth coming. I called the commissioner of Insurance and they said they no longer ... |
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 Would my insurance be high if so who is cheaper? |
im 20 male
one speeding ticket
and 2 wrecks
since i was 18
will my insurance be high
one company said 5000 a year
Additional Details
currently im paying 40... |
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mylacross | If workers comp does'nt pay for pain and suffering then who does? |
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mbrcatz
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If it's work related and covered by comp . . . NO ONE!! That's the trade-off - employers are off the hook, employees get absolute coverage.
Sometimes, life just happens. Pain and suffering happens. You don't get to be compensated with dollars for everything that happens to you, that's just the way life is. |
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Yo' Mama
 |
"Pain and suffering" is NOT punitive damages. They are completely different. Pain and suffering, in technical terms, is referred to as "general damages"; those hard-to-measure damages such as inconvenience, discomfort, effect on quaility of life, etc. Generally, workers' compensation is statutorily mandated by each state and usually as a threshhold or limit as well as formulas that are followed by each state's industrial commission. It can include some form of "pain and suffering", dependent on the nature of the injury. In civil cases, general damages also includes lost wages. In workers' compensation, there is a separate category for wage loss (TTD). If you're uncertain about your rights or feel as though you aren't being treated fairly by your WC carrier, you may want to consult an attorney. Be prepared to give your attorney as much as 1/3 of whatever you get from your claim, however. |
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Suzanne: YPA
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Compensation for "pain and suffering" is considered a form of "punitive" (punishing) damages. This type of damage is awarded as a result of a civil suit, presuming you can prove pain and suffering. |
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aoifeb2000
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If your expenses and med bills are covered by the worker's comp, why do you need to be compensated for "pain and suffering"? If negligence was involved in the injury, of course you can sue, but your employer doesn't have to be punished because you fell off a ladder at work... |
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Mark Y
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Before workers compensation the amount collected by a worker was typically small and would generally require a legal battle. Workers Compensation pays much more than the prior system and on the other hand pays a fixed amount for specific injuries. Is there some "pain and suffering" in those payments, maybe.
A good comparison is the system in the UK where they don't have workers compensation. Payment at all is less frequent and the amounts are very small compared to what is paid in the US (even adjusting for wage differences). Workers Compensation was not designed to be a "great deal" for the injured worker but to make them whole for lost wages, earning potential and specific injuries without the risk of a court case. |
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MTR
 |
First, a little history so you will understand why.
Worker's compensation insurance pays your medical bills, loss of income, and any permanent disability to you when you are injured on a job. In return for that, you give up some common law rights. Since the employer (through the work comp) is providing for the above, you give up the right to sue your employer for pain and suffering.
Now, if someone else is at fault, depending on the state you live in, you can likely present a liability claim against them for pain & suffering. Actually, the worker's compensation carrier ofttimes presents this claim, too, as they want to recover their money back if they can.
In some states, there are limitations as to who you can present a claim against for pain & suffering. EX, in the state I live in, you cannot present a claim against a "fellow employee"....and the definition of a fellow employee is pretty broad.
However, let's say you are a truck driver and you are hurt on the job by getting rearened by a dump truck. Your employer's workers comp would pay for your medical bills, loss of income, etc, and you could present a claim against the dump truck for pain & suffering.
By the way, punitive damages are not pain and suffering, but are intended to punish someone for outrageous behavior. They are not insurable. |
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