 Life Insurance: Do you have it ? How old were you when you start paying for it ? Try AIL? |
| I was 21. Since I started paying in to it @ 21, my fam would be left w/ approx $40 000 after my death. I wonder if I'll have a fam by then... Right now I have no husband or kids so right now I�... |
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 I need help pleasseeeeeeee!!!!!!!!!!!... |
| i doing this business work and it's abt insurance. i hv to find the advantages and disadvantages of Insurance but i can't think of any. pls help me!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!1... |
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 How much should we expect to pay for Life insurance? |
| We are both non smokers 29 (male) and 25 (Female) we want a 30 year term life for 250K each. No signficant health issues and we would fall under the "standard" category most likely. How ... |
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 Can you buy life insurance for a sick relative ? |
| My father is very ill and has no life insurance, can I buy a policy for him listing myself or my siblings as beneficiary to pay funeral expenses?... |
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 Whats better ppo or hmo?? |
| just wondering which is better??... |
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 Is there a way to make yourself and your husband a company so that you can obtain group health insurance? |
| I clean and maintain investment properties as a job and sometimes my husband helps me with repairs, etc. Can we form a company and get health insurance at group rates? How do you do that? Thanks for ... |
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 Should I report my tenants on the home insurance policy? |
| I used to live in my house but now I am renting it out. Should I tell my home insurance company that I will no longer live there and tell them about the tenants?... |
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 Why is it health insurance can't pay 100 percent when 80 percent usually leaves most with a huge bill? |
| One big problem healthcare in my family (married couple, 2 children) is that even when our insurance does pay, it only pays 80 percent, and we are stuck with a huge bill or bills especially after a ... |
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 Insurance quote!? |
| Any State Farm Insurance agents want to give me a quote in California? I have contacted two State Farm Agents in my area and not one has gotten back to me. I have 11 apartments.... |
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 Is this fair compensation or not??? |
My wife recently had a slip & fall and has a diagnosed concussion (mild) she has been suffering with terrible headaches and pain in her neck.
She doesn't like noise, and feels generally ... |
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 Life Insurance? |
| Okey dokey, so roughly how much would $250,000 of term life insurance cost annually for a 40 year old male non-smoker for a 20 year term?... |
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 Can I get life insurance on my mother without her knowing or signing anything? |
| I recently got a scare when my mother was admitted into the hospital from smoking complications. She was having trouble breathing and she was put on a respirator. The nurses and doctor kept saying ... |
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 I need Health insurance Quick? |
| Does anyone know where I can get health insurance in NY or PA. I dont work and need it quick. I cannot afford it really.... |
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 How do you feel about Insurance Companies? |
| Have you ever had a claim and been glad you had insurance, or have you ever felt that an Insurance Company was less than ethical. If the law did not require you to have insurance, would you still ... |
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 Can i file unemployment after being injured at work and quitting my job? |
| i got robbed and pistol whipped at my job. This happend in jan. 2007 i went back to work in february 2007 then quit in may 2007 because i was too scared to continue. i havent worked since then. can i ... |
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 Paid Family Leave, will my BF qualify? |
I will be 39 weeks tomorrow and was just wondering since my boyfriend and I are not married, will he be able to qualify for paid family leave if he pays into SDI?
Additional Details
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Imposter | When someone leaves a job voluntarily, are they able to carry over their employers insurance at a fee? |
I am specifically wondering about carrying over health care insurance during a stretch between employment. |
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MsFancy
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I don't know about that but if you want to keep your insurance when you loose a job involuntarily you can get COBRA. The rates are ridiculous, might as well get another job or go on welfare if you have to resort to COBRA. |
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mamadukes
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Yes, speak to the human resources department, the insurance is called cobra and it allows you 18 months of coverage at a group rate , which they will predetermine and is payable to your employer. Hope this helps you. |
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jingles
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Yes, it's called COBRA. But I have to tell you it's pretty expensive. You have to pay the entire cost of the insurance premium. When I left my last job, it would have cost me $1500 per month to continue getting my insurance. |
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KC www.thepolicyconnection.com
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In 1986 Congress passed the Consolidated Omnibus Budget Reconciliation Act (COBRA). The law provides continuation of group health coverage that otherwise would be terminated. However you begin paying the full premium, no longer reaping the benefit of your former employer paying part of it.
If you have no or minimal pre-existing health conditions you should be able to obtain a policy in the individual market from an agency such as ours. We shop the market and compare insurance companies for you. You then purchase direct from the insurance company through us at no additional cost!
Individual policies general cost less than Cobra but have higher deductibles and office copays to do that. Still, a good independent agent can find the best policy, the best company at the best price for you.
Another less expensive alternative would be a temporary insurance policy. Be careful to understand what you're purchasing with temporary policies. They are underwritten post claim, which means if you do file a claim at that point they will examine your medical records to see if in fact you qualified for the insurance when you purchased it. Companies have the right to deny claims and cancel policies if they determine something was pre-existing or undisclosed.
Feel free to contact our agency for help. And good luck! |
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camandkellysmom
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COBRA depends on the company, Federal level COBRA is only required for companies larger than 20 people, Some states have STATE HIPAA Laws that require companies under 20 people to provide COBRA or something similar. Call your local Department of Labor to find out what your laws are there.
Also, if you are healthy, just go get a private policy, its much cheaper. |
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zippythejessi
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Yes, it's called COBRA = it's your same insurance as you have now, but you pay the fees in full. |
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efrankbkkcam
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yes, possible |
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mbrcatz
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Yes, it's called COBRA. You have to pay the monthly fee, and there is NO grace period for the payment being received. |
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