 Auto insurance says they are terminating me for late fees, but I paid them already? |
| I have mercury insurance. I always pay my bills early. I paid them on the 29th of February, bill due on the 3/1. I just got a terminated letter in mail saying that my auto insurance is ending on the 2... |
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 Disability Insurance? |
| I'm looking to purchase Disability Insurance and am having trouble trying to figure out the legal language. Are there any suggestions on what company to go with or are there major loopholes I ... |
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 Will home insurance cover a wet cell phone? |
| I have a cell phone that I just dropped into the pool. My cell phone insurance won't cover it, will home insurance cover it?... |
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 Which is the best life insurance policy in USA.? |
| I am student and I wish to take an insurance policy so that my parents could benefit from it incase of any bizzare circumstances happening to me. I am not a citizen of USA, I wish to stay for ... |
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 Health Insurance? |
I'm doing an assignment on health insurance and I wanted to know why is it a good thing to get health insurance?
T... |
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 Insurance settlements, and how much do I ask for??? help!!!? |
| It is manditory for me to see my chiropractor 3 times a week, for 12 weeks until my spine is better. He said he is considering my injury a spinal dislocation of some kind. I am now ready to negotiate ... |
|
 How much condo insurance should one get? |
| if i have a condo that i want to get insurance for, what is a good amount? the condo is 1215 sq ft w/ 2 bath & 2 bedroom.... |
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 Is there any way to get financial assistance for prescriptions even if you have insurance? |
| I don't mean for children or old people just the average adult. The meds that I take are very expensive but I have to have them. I just wondered if there was any help I could get?... |
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 Has anyone had trouble with american general life insurance telling you your policy will be will no good soon. |
| american general life told me my policy would be worthless soon and then tried to sell me a new policy with triple the rate and also take all my cash value from my old policy (without telling me).... |
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 *****Is pregnancy considered a 'pre-existing' condition to health insurance agencies? HELP! NEED ANSWERES!? |
We plan to marry so the baby and I can get covered, I just found out last week and dont have an Dr. Appt until the end of Sept. Would it be considered pre existing if we wait til after the Dr. ... |
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 Group health Insurance? What if my emplyer doesn't offer the best group health insurance? |
Hi
In my last job, my employer offered quite good group health insurance but my new employer doesn't.
The cover they are providing does not offer many benefits and would ... |
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 What should i do??? |
| My uncle is pressuring me to get life insurance !!! I dont know if i should get it or not i mean i know it's good for me but i'm only 18!!! He's driving me crazy !!!... |
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 Dang insurance company question...? |
| i am a home owner and moving out of the country for 1 year. i have rented my house out to a couple of tenants (same 2 people will occupy the house for the year). i have done this twice in the past ... |
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 Joint car insurance policy with boyfriend? |
| My car insurance company is willing to give me and my boyfriend joint coverage for our vehicles.... but my BF's medical insurance won't cover "co-habitating heterosexual couples"..... |
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 Can a 17 year old get their own medical coverage in California? |
| I'm 17 and live in California. I was wondering if I am legally allowed to sign up for my own medical insurance, like through MediCal or something, and not through my parents. It's a long ... |
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 Health insurance question? |
| I will be 18 next month. I dont live with my parents I havent had insurance for a few months either.. I live with my bf. and I want to get insurance but I am looking for a good insurance that I wont ... |
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 I wanted to know whats the best and cheapest health insurance out there.? |
| I am no longer covered under my parents insurance and i need one once i get into nursing program.... |
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 How much is fair for employee health insurance contribution? |
| My company used-to pay 100% of employee and family health premium. Now, they're asking the employees to contribute, $125/mo for employee, $400/mo for employee+family. They're giving a 1 ... |
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DC | Im confused. Im signing up for supplemental life insurance through my employer and the provider is metlife. ? |
They are offering that as well as voluntary AD&D. The AD&D says it pays benefits in the event of death due to accident or disabling injury. So are they saying that if my death is a result of an accident life insurance wont cover it and only AD&D would??? Like a car accident or motorcycle accident? |
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Michael M
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No. You are being offered two separate options. The supplemental life insurance will pay for any type of death and is probably much more expensive than the supplemental AD&D. They are offering the AD&D in case you can't afford or can't qualify for the regular life insurance. If you bought both and had an accidental death that qualified for the AD&D policy then both policies would pay out.
While there are some conveniences to getting these types of policies through work a lot of times the policies aren't portable if you leave the company and they are usually more expensive than if you go out on the open market and get your own policy.
That said if your health is questionable and they don't require any underwriting then it is probably a great bargain. |
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george 2
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if you have to pay for any of that insurance then i wouldn't get it. accidental death and dismemberment only means that they will pay if its an accident related death. that means that if you have a heart attack then they pay nothing. also they will only pay if you loose a leg, arm or other part of your body due to an accident. how many people loose a limb after an accident? not many. |
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car253
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AD&D only pays if your disabled or die due to an accident.
It is fine to get that coverage. But you also need a life insurance policy that covers any kind of death. |
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Chris C
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you're regular insurance will cover a death of any kind (aside from a couple exclusions like suicide within the first 2 years, etc).
An AD&D policy will be additional coverage that will only payout if the death is accidental. This would pay out over and above the amount of your regular life insurance.
Example: If you have $50,000 of regular life insurance and $50,000 of AD&D here's what would happen:
Death by heart attack, illness, medical condition, etc? Claim would pay $50,000 (just the regular insurance, the AD&D would not take affect because this wasn't an accident)
Death by car accident or from falling off a roof at work or something? Claim would be $100,000 (regular ins. plus AD&D would pay).
The rational behind this is that if someone has an illness or something the family is typically more well prepared to deal with the loss, where as if it is accidental, it is unlikely that the family will be prepared to deal with things, so the extra money can be used for things like cousiling, or whatever.
Typically AD&D policies pay out in less than 2% of all cases, so in my opinion these policies are a waste of money and the money is better spent increasing regular insurance polices or put into savings/investments. |
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Howard L
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Your regular life pays no matter what, AD & D pays only due to an accident. In my opinion AD&D is a waste of money. If you need life insurance or disability insurance you want it to be paid no matter what happens, not only if it's an accident. You misunderstood what was said.
Sometimes the employers supplemental life is more expensive than the same insurance purchased on your own. The employers group includes older people and people who may not be in good health. That increases the premiums. You need to get quotes to find out what it would cost to buy that insurance on your own before signing up. Also, if you leave your job you usually lose the employers insurance. If you should develop a medical problem you may not be able to get replacement insurance or may have to pay a lot for it. If you get insurance on your own you can buy guaranteed renewable which will remain in force with a known premium as long as you pay the premiums. |
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mbrcatz
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Nope, if you die via an accident, then BOTH policies pay out. |
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src50
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Your HR dept. can answer your questions. |
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