 Total and permanent disability insurance? |
| I have recently had to make a claim for TPD on a policy for a confirmed condition. I will not be returning to work and that is the basis behind the insurance whilst in this condition. But it seems ... |
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 How do I get the most $ from insurance company? |
| Me & my partner were in a car accident 1 week ago. We were not at fault, but our car was totaled. Neither of us has been in this situation before, so we aren't sure what to expect. The ... |
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 In Australia, should I get private medical insurence for dentist and optomitrist? |
I worked out I only see a dentist twice a year which is about 120 bucks, and optomitrist once a year which is about 80 bucks.
I didn't need anything further other than a check up at ... |
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 how long does it take for a work disability check to arrive? |
| i applied over a month ago, they excepted and me and everything but i still haven't receive to check. what could i do??... |
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 if u could have 1 superpower, wut would it be, & why? |
| my superpower would be Invinciblelity - if i spellet that correctly -! why u ask, so i can go into Best Buy with out being horrased 7 so i can get in & out in about 5 mins. plus lets say if i was ... |
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 Can you have your hair insured against damage? |
What would such an insurance policy cover?
Additional Details
This is only a hypothetical ... |
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 life insurance question? |
| My dad is 68 years old and have been diagnosed with colon cancer. He notified me in May 2009 but I am unsure when he actually found out he had cancer. He has a pre need funeral policy for $5,000 ... |
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 Can you have two medical insurance policies? |
This may be a dumb question but I don’t know the answer. First background.
My son, for reasons I will not disclose on her, has Medicaid and will till he is 18. However he is still ... |
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 What does limited liability mean? |
| doing Gcse business and what does limited liability mean in basic tems? Is it the owner is responsible for there ... |
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 Manicures for men? Pink and White, French tips? Okay for the sales person? |
Manicures for men, do you think it is okay for guys to get pink and whites?
A french style manicure, not as long as a woman's could be but much longer than a males are. Pretty and with ... |
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 Who can I get cheap health insurance through that covers from State to State? |
| move alot because my bf's job requires him to do so now and again. I have lived in a couple of States in the last year and we are due to move again but his job hasn't said where to yet. Is ... |
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| I was wondering how long does it take to recieve the settlement money? |
| My father was walking i guess it was dark out and a car came speeding and it hit him. This happened on January 30, 2010 he was out for 2 hrs on the ground while it was snowing. He went to the ... |
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| any specific formula for life coverage ? |
| "how much life insurance coverage i need to buy" is a common question and I have found alot of discussion on this topic surfing the internet, But I am still looking for a pet formula ... |
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 will an increase in health insurance prices be nail in coffin for small business? |
| and hurt economy because now they will not hire people and be forced to make layoffs? does high health care costs = no hires? this is a sad state in america and will ruin many good people, i think!... |
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 If you have medical insurance, but don't have the money for copays and medication can u go to a government? |
hospital and lie and say you don't have insurance?
Additional Details
I'm not trying to "abuse" anything...just trying to survive.... |
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vivian xie | Will my lupus still be covered if i change job? |
I had lupus for 4 years, and my medical bills are covered by my current company insurance. If I change job in the future, will my lupus still be covered by the new company's insurance? |
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Suzanne: YPA
 |
(This answer is only applicable if you work in the U.S.)
Your question pertains to the Health Insurance Portability and Accountability Act (HIPAA). Under HIPAA, if you've been covered under a group-based health insurance plan for at least 18 months AND you replace your plan within 63 days of its lapse (a waiting period under a new employer's plan doesn't count toward the 63 days) AND you provide a copy of the Certificate of Creditable Coverage you'll receive from your current plan once it lapses, THEN your new plan IS PROHIBITED BY LAW from denying your claims due to a pre-existing condition exclusion.
If you've been covered less than 18 months under your group plan, you can "credit" the number of months you've been covered against any pre-existing condition exclusionary period there may be under your new employer's plan.
You can read more about HIPAA here:
http://www.dol.gov/ebsa/faqs/faq_consumer_hipaa.html |
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Quixotic
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My understanding is that as long as you don't have a lapse in coverage, you are covered.
Assuming there is no lapse, it's a zero-sum game for the insurance companies - they are just as likely to get a customer with a pre-existing condition as they are to lose one.
If for some reason that's not true in your state, take advantage of your COBRA benefits for 18 months. |
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Custo
 |
As long as there is no lapse in medical coverage, you will still be covered for lupus.
If you change jobs, and your new job's insurance doesn't start immediately, you should elect COBRA for the gap, to ensure you lupus isn't treated as a pre-existing condition.
If you tried to get an individual policy on your own, it would probably be excluded. |
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majkhan6
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This is up to the insurance company that holds the policy. Your best bet maybe to get a separate policy from the workplace when you leave. It will not be cheap but you know that. |
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dougall18
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That is a good question. My suggestion is to contact a few insurance companies. BCBS, First heath/Coventry, Signa, etc. Lupus is fairly common so I can not see why not. I am not exactly privy to the specific medical bills that you may have but what I do know is that while looking for a new position asking about who the health insurance is through rarely is asked. If you have a list of companies that you are thinking about applying ask on here. It's what it's for. If they are large enough you should find a few people to confirm the answer.
Good luck |
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