 Homeowners insurance~>please Help!? |
| My homeowners insurance nearly doubled this year from what it was last year. We've had zero claims. I was expecting an increase, but maybe of $10 or so. What gives? Why did we get such a ... |
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 Post Office: Insured package lost, I receive amount insured for? Or only the value of item? |
| I'm under the impression that if I insure a package at the post office for $500.00 and that package is lost, I will receive $500.00 regardless of it's value. I paid the fee for that ... |
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 Question about life insurance and insurance in general? help? |
| I'm trying to help a friend get a hold of an inheritance that an attorney is wanting to take a 33% chunk of to help her claim. one of those unclaimed money deals. i did a search on my friends ... |
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 Can a college make me buy medical insurance? |
| I am married with two children. While my wife and I are in school, we will be on state insurance because we are making very little money. It covers near 100%. The college is going to charge us about $... |
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 I am needing some legal advice.? |
| back on december 30th 2006 my pickup was totaled in an accident. it was a 98 s-10 and was not paid for. my payments were being made to chase bank through a chapter 13 bankruptcy trustee. a few days ... |
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 Should I invest in whole life insurance? |
I am relatively young.
Additional Details
and married.... |
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 Insurance for an engagement ring? |
| alright, here is my situation. i have found an extremely beautiful engagement ring setting that i love. but the company dosent offer insurance..i plan to either buy the diamond from them also,or from ... |
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 Any idea where to get paint balling insurance from? |
| its for my WBacc and need a realistic quote but the business doesnt actually exist.... |
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 Is it possible to collect SOCIAL SECURITY benefits and NOT be enrolled in MEDICARE at all? |
I obviously wish to keep recieving benifits from Social Security, but the Medicare has really messed up my enrollment into Tricare Prime.
I have Medicare part "A", but refused ... |
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 Insurance cancelled without notifying insuree? |
| My father took care of my health insurance throughout my entire childhood, up til I was 20 when he canceled my health insurance, without telling anyone. I did not find out for 10 months. Is that ... |
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 Life insurance and depression. Wondering whether to go to the doctor or not....? |
| Hi, I believe that I am suffering from mild to moderate depression and was planning to go to a psychiatrist about it tomorrow. But it has just occurred to me that it might have a big impact upon a ... |
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 If I buy a term life insurance policy with a term of 20 years...what happens at he end of the 20 yrs? |
| I know this sounds dumb, but do i just put the policy in a safe deposit box until I die? I'm in my 40's and know I need to get a policy, and just have so many questions that I can't ... |
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 Can heirs be liable for medical bills not paid by parents? |
| If my mother-in-law runs into serious financial hardship and she can't pay her copays/health insurance and she needs healthcare, will the hospital deny her healthcare, or will the heirs (me and ... |
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 Need Health insurance ! |
| Does anyone know of any health insurance companies that will take me even though I have ADHD? It's okay if they mark me up or put a rider on it so none of the adhd expenses will be covered, I ... |
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 Who is liable? help me out please? |
if someone gets hurt in a pool on rental property who is liable?
the renters bought an above ground ... |
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Jennifer P | Legal Question re: Health Insurance Coverage? |
Long Story = Bottom Line... I had coverage through my employer (as an hourly temporary employee - I paid the full premium - the employer just provided access to group rates) When I had a baby, I did not work but continued to pay premiums (the company was set up for this arrangement as they have a "missed premiums" dept. that you send your payments to. Apparently, this can only be done for a maximum of 4 weeks. I was never informed of the time limit and the company that I worked for never informed the carrier when my last assignment was. However, I continued to make payments and was never late nor missed a single payment. The carrier has totally fouled up my coverage and now that I am trying to have them straighten it out, they are telling me I should never have been able to make those payments for so long and they recently sent me a COBRA form. However, the coverage is a mess. They keep cashing my checks and paying (some of) my claims so what rights do I have? |
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Suzanne: YPA
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I suspect the REAL culprit here is your employer, not the insurer. In a group policy situation, the insurer goes by what the employer tells them. So if you employer continued to remit premiums as if you were still working and failed to send you the COBRA information, they are at fault, not the insurer.
I would suggest you write a letter of complaint to the insurance commissioner in the state where you worked. Provide copies of the cashed checks and request assistance getting this sorted out. An investigator will contact your insurer (who should also contact your employer) and make certain this is fixed. |
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BluedogGirl
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You do have rights, but it may take awhile to sort out. My advice is to go ahead and apply for COBRA and pay your first premium. Then, they can't cancel you. Then look in your plan materials, an SPD...it should tell you where to file an appeal. Write a letter to that address and tell them you are filing an official appeal to protest the fact that you paid premiums and have been denied coverage. Copy your company Benefits Administrator on the letter. |
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Custo
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Suzanne is correct. I've worked in insurance/healthcare, specifically in and legal/compliance for a long time. It really does sound like its up to your employer. You need to make your COBRA premiums payment ASAP. Most likely, they will be paying the claims the group insurance plan denied. From what you said above, it would appear as though you DO have coverage... Its just that your group health plan, and COBRA need to get their ducks in a row. Ask your former employer for help. They are legally obligated to send your cobra paperwork to you within a certain amount of time... Then you have another window to enroll in... Cobra will backdate to the date your policy ended; provided all of the time frames were met.
You're taking the long way around going though the insurance company.... Speak with HR, or the benefit administraor @ the company. They ultimately have all the control. |
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Tricia P
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Hello,
Well here is the deal. I would suggest signing up for the Cobra... however it is probably quite expensive. I would call your insurance company and ask for the claims Manager and begin discussing the claims you show have not been paid. If that does not get things going in the right direction send your complaint in writing.
Good Luck. |
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Irish
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You should immediatelly contact the Federal Dept. of Labor in your area to act as intermediary. Don't bother fighting with your employer or the health insurance company, let the D.O.L. do it. They will listen to a Federal Agency. |
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zippythejessi
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If your premiums are paid on time, and the company is cashing the checks (make sure you have copies of the cancelled checks) then you have every right to assume you have coverage, therefore, your claims should be paid. |
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