 In order to qualify for the CHIP health insurance program do my kids need social sec numbers? We have just? |
arrived in the US from the Philippines. My husband works, but at the moment he cannot afford health insurance for us.
Additional Details
I am a citizen paying my due amount in taxes, so I... |
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 My mortgage provider is telling me he legally has to advise me on insurance is this true? |
| I am currently going through the re-mortgage process, my advisor told me he legally has to meet up with me and advise me on buildings and contents and life insurance as per FSA guidelines. I work for ... |
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 Will insurance Co. pay for new roof if they can't match the shingles? |
Area of shingles damaged and can't be matched. Will the Insurance company pay for new roof? The area is about 5" X 3" and on the front slope of the house.
Additional Details... |
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 How do I say no to relative trying to sell me insurance? |
| Relative is trying to sell me insurance and I'm not interested. I want to tell him no without feelings getting hurt. Any suggestions?... |
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 I need to get quotes a commericial business? |
I want to start my own business hiring guys to do demolition, construction and stuff of that nature. Where could I get state farm insurance quotes?
I need also workers comp.
could some one ... |
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 A friend got ran over? |
| at a store my friend got ran over and the person that5 ran over her foot was parked at a no parkin zone at lowes grocery store is lowes responsible and negligent for not stopping people from parking ... |
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| Where is the best place for life insurance? My dad got turned down..AGAIN! help!? |
| we've tried globe & farmers .. turned down on both! the questions he had a to answer werent faulty , i dont understand... does anyone know of a place that WON'T turn him down?... |
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 Whole life insurance question? |
| Hey all....well I'm studying for my life insurance agent exam and I have a question. Well, if a person takes out a whole life policy, then when they die their beneficiaries won't receive ... |
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 Health Insurance question? |
| My father has hepatitis B, and the medicine costs alot of money which we cannot afford. So he was denied from medicaid and I was wondering if anybody know any health insurance out there who can pay ... |
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 Claiming on house contents insurance? |
Hi all,
I'm hoping someone can help me out here. I have lost a piece of expensive jewellery that was handed to me around a year ago. I am wondering if I can claim for this on my house ... |
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 Health Insurance? |
Hi
At the present time I'm on a cobra converstion plan with one major carrier that is very expensive. I just applied and got accepted to a private insurance plan that is very good ... |
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 How do we get company insurance for a private 18 wheeler washing company? |
| I might be creating a buisiness with 2 other people washing 18 wheelers, but we want/need to get insurance (in case of damage to a truck, since we all know accidents to happen) how and where fo we go?... |
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| Health insurance for self employed? |
| I am self employed, and I need health insurance for my children and I. I have checked many companies...but some I have never heard of...I am also getting ready to hire people and make it a company...... |
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 Cancellation of health insurance due to work-related injury, is that legal? |
Additional Details
My employer claims that I did not work enough hours while I was out of work on worker' comp.....even when I do go back to work I have to wait for a year for the ... |
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 Telling whole truth to insurance co? |
| My hubby is getting life insurance however to get best prices I dont know if i should tell everything,for instance they ask on application if he EVER smoked he did for like 10 years 15 years ago,But ... |
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 Do house insurance companies delay in the hope you drop the claim? |
| I am having problems with my insurance company over what should be a relatively simple claim, and I believe they are delaying things as much as possible in the hope I will give up and go away - is ... |
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goforit | Why is payment protection Insurance not worth the paper its written on? |
My son had a loan over the phone granted him and was talked into expensive payment protection Insurance. He lost his job (sacked) but could`nt take his boss to tribunal because he hadnt worked with the company for more than 12 months.?
The Insurance Company 'refused' to pay up because he was sacked.....yet the operator said he was covered for every eventuality because he had Gold cover? What can he do...He has found the clause in the paperwork they referred too, but he didnt know this.!!! Was he miss sold the Insurance.? |
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stevexnelson
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If a credit card company is selling it to you, that should be a red flag that it's a rifoff.
Contact the credit card company and try to get them to honor the agreement.
I'm not sure if there is anything that you can do about this.
Good luck. |
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Scouse
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I will never ever take these policies out although sorely tempted on occasions.
They have a very bad reputation and insurers seem unwilling to pay out under any circumstances. The seller of them gets about 40% commission and that is why they are so keen on them brcause ythey make little on what you buy and much on the policies they sell
Insurance Ombudsman for you |
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bigbadbert
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I think it comes down to how he was sacked from the company - what was the reason for him leaving?
Was he made redundant or was it due to a disciplinary hearing/action?
It may change how the PPI views him if the reason for him leaving his job is re-worded either by him on the claim forms or by his employer.
I think we need more info before we can give definitive answers. |
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b
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an insurance policy is usually to make money for the people selling it.
most do have a clause "if you are sacked tough, we ain't gonna pay" because to be sacked means its your fault, by your own actions.
but it does sound like your son was miss sold the policy, but the company who sold it will say you did not read the small print, which you didn't
its not the insurance companys fault you son didn't read the samll print is it?
I feel sorry for your son, but you are supposed to rad the small print.
only thing i suggest is you explain to the loan co, that he cant pay it back yet, offer to pay say £5 month untill he gets another job, that way he is not a bad debter.
morale
always read the small print and never get loans, c.c cards if you can't pay for it you don't need it |
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jeanimus
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Your son can try to claim that the insurance was missold, but the company will probably say that he had opportunity to read the contract and if not suited with it, to cancel. First he should complain in writing to the company, keep a copy and send it recorded delivery. If no decent answer within a few weeks, do the same again enclosing a copy of the first letter, and also say he will take it to the FSA (the regulating body for lenders). or he could just try cancelling the insurance and they will refund a proportion of it. Then he will at least have the next few months payments in hand til he finds a new job. |
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lou b
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Good question. It sounds as if your son was unfairly dismissed....perhaps the clause only refers to dismissal for misconduct of some sort. Why don't you consult the Insurance Ombudsman? You should be able to find details if you google the title. Good luck. Too many insurance companies get away with not honouring their policies. |
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welcome news
 |
The answer is : probably. Unfortunately the rules for selling PPI have only just changed (In January) whereby more protection is given to the customer.
As this was a distance sale, your son should have been told ALL the policy features, limits and exclusions over the phone before buying the product UNLESS he was asked if he only wanted the limited information. On completion of the contract he should have been sent a policy summary (containing exlusion details) as well as the policy document (which to fair he should have read - he had 14 days to cancel it)
The next question I suppose is why (sacked) - I must admit that the companies I deal with would exclude dismissal for failing to meet performance targets and dismissal for incompetence or disciplinary reasons.
ANother question is: was your son eligible for the insurance when the policy was taken out. Many policies require that you be in employment for a fixed time (often over a year). If the seller did not ask about his employment status then they are in breach of FSA guidelines.
I would certainly put in a complaint against the financial institution who sold him the product. (See the policy for how to complain)
(I hasten to add that if a client wants an mortgage, income or loan protection policy from us we do ask about their financial status).
Ws the policy sold on a monthly basis or on a single premium added to the loan - if sold on a single premium basis then that is further evidence of mis-selling (these policies are almost certainly finished under FSA TCF guidelines).
I would add, finally, that protection insurance IS a very important product for those who qualify for it - with the economy apprantly heaading for recession it is more important than ever that people assess what would happen if they are unable to work. |
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