 Any ideas who to contact if I've been given false information on a compensation claim that I have made? |
| I was originaly told that my claim would be on a no win no fee basis and that all compensation due to me would be mine. The firm that dealt with my claim have now deducted a 30% commission fee which I... |
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 Employer Health Benefits and Pre-existing Conditions...? |
Does anyone have ANY ideas on what I should do next?
s it true that in the state of Califonia that an employer can not deny health benefits to an employee because they have a pre-existing ... |
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 How does an insurance company decide if they are going to total out a car? |
| So last week, my 2001 Ford Focus, which I still owe $1500.00 on rolled down the driveway. Kelly Blue Book says its worth $1800. The estimate I got from the repair shop was between 1850. and 2000 ... |
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 Around how much could I save switching from a $500 deductible to $1000 deductible? |
| Currently my husband and I pay about $212 a month for our car insurance.... he has a 2002 Explorer and I have a 2007 VW Jetta. He had an accident back in 2006 and we are both only 20, almost 21 but I... |
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 Can you buy legal insurance to help you in case you get sued? |
| I am starting a small business and know there are risks of getting sued for crazy reasons. Please share any details! THANKS!... |
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 Life insurance question? |
| My parents are divorced and my dad is trying to get life insurance for himself. He says he needs my brother's and my information like SSN and birth certificates. Does he need them? My mom doesn&#... |
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 Is this how insurance companies work? |
| My daughter had her unattended legally parked car hit and totaled out by a drunk driver with no insurance in a stolen car. The owner of the car had no insurance and both of these people are in jail ... |
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 Auto Insurance - Uninsured/Underinsured? |
| I have auto insurance coverage. I understand the various coverages included in the current policy. 1)Liability a)Bodily Injury b)Property Damage 2)Personal Injury Protection (madatory in MN) 3)C... |
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 My dad is 67 and wants to get a 1 year term insurance. Are there any companies that are reasonable? |
67 Years Old
$250,000 face value
1 Year Term
Additional Details
No, he is in great health, its to satisfy my Mother because he wants to work for another year. So basically he ... |
|
 When is it good to cash out a universal policy and replace it with term.? |
| I have had a universal policy for a long time and have just been enlightened about term vrs universal/whole life. The cash value is at 14,000 (which I could really use some now), I'm 40 with a ... |
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 How can I convince insurers that I'm low risk? |
| I'm under 25, haven't had my drivers licence for long and started working at the beginning of this year. The vehicle insurance qoutes that I get are almost double the instalment of the car.... |
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 Car theft...would it be reporting this(read on)? |
My sister in law is 17 and had her car stolen last night
also can you beleive the police want paying to find it?!?!
If she claims on the insurance(as it was only a cheap little runner) ... |
|
 Cash Value Life Insurance, Is there a value? |
| A friend of mine recommended me to an investment group who deals in all areas of insurance, mutual funds, money markets, etc. I met with them to discuss savings options and they immediately jumped ... |
|
 How can I find out if the previous owners of my house covered up a fire? |
| We discovered a leak in our kitchen ceiling. When we took the sheet rock down, we discovered evidence of fire in the beams. The previous ownes did not disclose this information. What options do we ... |
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Linda M | Is it legal for our group insurance company to mandate life insurance? |
Our group health insurance provider is now saying we have to buy life insurance through one of its wholly owned subsidiaries. Is this legal in the State of Ohio? |
 |
 
bud68
 |
If your employer offers a group insurance policy, you have to accept their choice if you want to participate. Otherwise, decline it. |
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petey00petey
|
NO....BUT FEEL FREE TO CHECK WITH THE STATE INSURANCE COMMISSIONER |
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Doctor Deth
|
usually employers automatically pay for gropu life insurance equal to one times your salary and offer optional additional coverage - maybe the add'l coverage is what they are referring to? |
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insuranceguytx
 |
Often group health plans offer a small (really small) group life with the health coverage. It usually is in small amounts ($10,000) and is usually term so it is really cheap. If you don't buy it, you may only save a few dollars per year.
SO many people are vastly underinsured and only discover this fact when a family member dies or when they become sick and cannot get coverage at a reasonable cost.
Go meet with a licensed insurance agent or financial planner and discuss your specific goals and your options.
IMO, group life plans are insufficient, costly and usually not portable. When you leave the company, the insurance disappears. If you stop working because of an illness, it is impossible to get coverage. (My $0.02) |
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AM-NM centaur
 |
Nope. You cannot be compelled to purchase life insurance. |
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heyteach
 |
I don't see how that can be legal. HOWEVER, are you sure it's not that you get a DISCOUNT IF you also buy the life insurance? Example, I have State Farm homeowners AND auto, so I get multi-line discount. IF I had only the homeowners with them and car elsewhere I'd get no such discount. In that case, the package deal IS legit.
Once you clarify that if it's not a discount package deal, then I'd contact the AG's office (Attorney General) as I can't see a non-package deal being legit. |
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mbrcatz
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Not enough information here.
If you want to buy group life insurance, it HAS to be through whichever group your employer selects. If they're saying you HAVE to have life insurance, then they have to pay for the entire premium. If you want to buy life insurance with a different company, you can - but you have to do that on your own. The ONLY coverage you can get through your employer, is the plan they pick, and they can pick ANYONE they want. |
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