What is the name of your state?What is the name of your state? Mississippi - Long story short house is a total loss but still there. I have 3 seperate insurance policys 1.flood 2.homeowners 3.wind and hail - all diff. companies - called all insurance companies for claims and also reported looters......
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Self-pay denialMon, 15 Nov 2004 07:45:00 GMTWhat is the name of your state? RI I was covered under a family plan (BC/BS of MA) through my husband's employer for two years and when he left the company, we switched to Cobra (initially under BC/BS HMO, then moved to a self-pay with Anthem BC/BS.) There have been no gaps in coverage. In......
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COBRA questions about self-insured planWed, 28 Jan 2009 15:59:00 GMTWhat is the name of your state (only U.S. law)? CA Just received COBRA letter with premium costs after a layoff. The employer has three plans - High Deductible PPO, self-funded plan that filled in the High Deductible, and dental. 1) If I choose all three plans for COBRA continuation, can I......
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Liability for Medical ExpensesWed, 11 May 2005 08:24:00 GMTWhat is the name of your state? NY I would like some advice on the following scenario: If a relative was visiting us from a foreign country, and their Health Insurance coverage was not valid outside of the their country; what would happen if that person needed emergency medical attention and......
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Advice needed (COBRA)Tue, 29 Apr 2008 21:16:00 GMTWhat is the name of your state? Columbus Ohio...
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Received refund on accident. Do I have to pay them Back?Tue, 28 Feb 2006 14:10:00 GMTWhat is the name of your state? Michigan About six months ago I received a check for $500 from Oakwood healthcare for over payments made. They have just now contacted me and said they made an error and I need to sent them the $500. Well that was over six months ago the money is long gone. I......
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Time limit on Contestable life Ins Under 2 years?Wed, 22 May 2002 16:51:00 GMTIn Denver () My mother was run over & killed 6 month ago. Life ins. Policy paid & up to date. She had policy for 5 months. Within 4 weeks I sent all requested document to life Ins. Co. Called last month to get info on claim, they said that the claim is being contested. Question: How......
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Employer Canceled Insurance w/out Notifying MeSat, 11 May 2002 22:55:00 GMTCA - I was laid off on April 8, 2002. My husband, who was covered under my insurance policy, went to the doctor on April 11. On April 15, I received a call from the doctor's office stating that my insurance was canceled on April 1, which meant we'd be billed for that past office visit and my......
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Hurricane Deductible PaymentTue, 03 Jul 2007 00:58:00 GMTWhat is the name of your state? Florida Hello all ! I'm looking at my renewal policy with a 5% or $10,000 plus deductible on Hurricane damage. My question is, God forbid one does strike our area this year-- How do these work ? Do we have to submit $10,000 worth of receipts on completed work ......
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employer accounting mistake for health premiumsWed, 04 Feb 2004 14:49:00 GMTin early 2002 i was laid off and rolled over onto my husbands insurance policy where he works. we were receiving family coverage and assumed everything was fine. last week, my husband was called into his bosses office and told that there was an accounting error and that for the past year, they......
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A new life insurance policy?Sat, 15 Apr 2006 11:08:00 GMTWhat is the name of your state? west seneca,NY If my now ex-fiance that I was with for 12yrs, decides to get a life insurance policy or continues to pay on on a current one can I have him put me on as the beneficery for our 2 kids until they turn 18?...
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switch to cobra or let them continue payingSun, 25 Jul 2004 13:39:00 GMTWhat is the name of your state?What is the name of your state? California 4 months ago, husband was laid off. (company paid both full coverage for myself and him) (and for the record, if it has any bearing... he was a brewer for a microbrewery. the coverage was not under the brewery. it was......
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who is responsible for the bill when ins wont payTue, 14 Dec 2004 14:43:00 GMTWhat is the name of your state? Illinois When my ex-husband and I divorced -- the judge said that my "X" was responsibile for the uncovered medical and dental bills. The dentist that I toolk the children too was not apart of the insurance plan and will not cover the bill. After several......
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LiabilityThu, 13 Mar 2003 16:05:00 GMTWhat is the name of your state? CA I Don't know if this fits this catagory or not, but I didn't get any replies under employment. I am working as an independent contractor doing facilities maintenance in an office building. If an accident were to occur as a result of my work, could I be held......
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Retroactively cancelled health insuranceWed, 05 Mar 2003 09:30:00 GMTWhat is the name of your state? Massachusetts Upon calling my insurance company to verify some coverage on March 5, I was informed that our insurance had been cancelled as of Feb 12, 2003, retroactive to December 1, 2002! And that I am now liable for costs incurred during that period! This is......
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Incorrect precertificationThu, 01 Nov 2007 15:56:00 GMTWhat is the name of your state? FL My wife visited an infertility specialist. When they checked the coverage (precertification) they were told that we were covered for infertility diagnosis, but not infertility treatments. We have been getting billed for all fees stating that our health......
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Separated spouseThu, 20 Oct 2005 11:50:00 GMTWhat is the name of your state? Virginia....My husband died last month.. we have been separated ( no legal documentation) and i was receiving spousal support and he carried me on his health insurance. He did not leave a beneficiary on his company's group life insurance.. All children are grown.......
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Can The Driver Who Hit Me Now Claim Damages Without An Accident ReportThu, 17 Jan 2008 01:27:00 GMTI was just in a small acident in a parking lot. I went to make a right turn as someone else was turning into the parking lot. A car behind that sped up and served around them. I stopped to avoid hitting that car and the car behind me bumped into me. I get out and check for damage, which there was......
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health insurance & pregnencyThu, 16 Dec 2004 14:29:00 GMTWhat is the name of your state?FLORIDA My hasbend got fired from his job and we have our health insurance from the company he workd for. now I found out that I am pregnent and my question is if there is any law that protect me all the way to the end of the pregnency or they just can cancel our......
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Group Policy Life Insurance Cancelled-helpWed, 19 Feb 2003 19:21:00 GMTWhat is the name of your state? CA I have had a group term policy thru my bank for 5 years. My bank (Cal Fed) is now merging with another bank and the new bank (Citibank) is no longer honoring the contract for its members insurance. The worse part is I found out accidently when I called the......
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Insurance Claim ProblemFri, 26 Sep 2008 01:49:00 GMTMy question involves insurance law for the state of: Indiana I was recently rear ended. The other driver was at fault and her insurance (State Farm) has agreed to pay for the damages. When the inspector came out, I told him that I was unsure if, but did not think that, some of the damage may have......
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Stay away form smile careTue, 28 Jun 2005 08:25:00 GMTWhat is the name of your state? Here is my story: About 3 years ago I went to dentist and had my wisdom teeth pulled out. I paid my Co-payment and everything was swell, my insurance was paying their part. The following year I went back to the same dentist this time I had a crown job but I had a......
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Two insurance Policies on one houseSun, 13 Apr 2003 23:58:00 GMTWhat is the name of your state? Texas My question is related to insurance claims. I live in a house I own, the insurance policy is in my brothers name and my name, but hes the primary person listed on the policy. I changed policies to another company and we didnt cancel the old policy. The new......
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husband passed away please helpTue, 24 Mar 2009 20:28:00 GMTWhat is the name of your state (only U.S. law)? florida my fiancee was married and her husband passed away and his employer refused to give her any info on his benefits life insurance policy that was paid for by the company. we have now discovered that there was a policy in effect but the death......
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renters insuranceThu, 30 May 2002 15:01:00 GMTWhat is the name of your state? I'm a resident of Maryland. I wanted to get some renters insurance, but, was denied? Does anyone know where I could find someone to give me renters insurance in Maryland from whomever? IT's my first time renting....
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Dental InsuranceMon, 30 Aug 2004 16:13:00 GMTundefinedWhat is the name of your state? Oklahoma I took my son to the dentist a few months ago. The dentist checked his teeth and recommended that he have sealants. I told him that he had sealants put in one year ago. He said that they had worn off and that he needed them again. I asked if the......
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Hit & Run on a Parked CarThu, 12 Feb 2009 14:41:00 GMTMy question involves insurance law for the state of: New York I was recently involved in a hit and run on a parked car. But told the insurance company that I was hit by somone who ran a red light. The owner of the parked car has filed an insurance claim aginst me. I have full coverage and my......
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Tenants RightsSun, 11 Dec 2005 15:03:00 GMTWhat is the name of your state? MA What is the law as far as a tenant who slips & gets hurt on the property as far as medical costs & lost wages? What does homeowners insurance cover? Do I, as the landlord, have to inform my insurance company or wait for the tenant to take the first......
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changing a beneficiaryThu, 21 Jun 2001 19:05:00 GMTneed to know legal way to sign insurance form. i am unable to write due to disability. i am able to make my mark using my mouth. please tell me how to properly use witnesses etc. i reside in Kentucky...
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non-alienThu, 20 Oct 2005 21:41:00 GMTWhat is the name of your state?What is the name of your state?Alabama I am a non alien but I want to purchase a town house I will be self financing,do I need social security to complete this transaction?...
What is the name of your state? MA What is the law as far as a tenant who slips & gets hurt on the property as far as medical costs & lost wages? What does homeowners insurance cover? Do I, as the landlord, have to inform my insurance company or wait for the tenant to take the first......
need to know legal way to sign insurance form. i am unable to write due to disability. i am able to make my mark using my mouth. please tell me how to properly use witnesses etc. i reside in Kentucky...
What is the name of your state?What is the name of your state?Alabama I am a non alien but I want to purchase a town house I will be self financing,do I need social security to complete this transaction?...
What is the name of your state? CA I have had a group term policy thru my bank for 5 years. My bank (Cal Fed) is now merging with another bank and the new bank (Citibank) is no longer honoring the contract for its members insurance. The worse part is I found out accidently when I called the......
My question involves insurance law for the state of: Indiana I was recently rear ended. The other driver was at fault and her insurance (State Farm) has agreed to pay for the damages. When the inspector came out, I told him that I was unsure if, but did not think that, some of the damage may have......
What is the name of your state? Here is my story: About 3 years ago I went to dentist and had my wisdom teeth pulled out. I paid my Co-payment and everything was swell, my insurance was paying their part. The following year I went back to the same dentist this time I had a crown job but I had a......
What is the name of your state? Texas My question is related to insurance claims. I live in a house I own, the insurance policy is in my brothers name and my name, but hes the primary person listed on the policy. I changed policies to another company and we didnt cancel the old policy. The new......
What is the name of your state (only U.S. law)? florida my fiancee was married and her husband passed away and his employer refused to give her any info on his benefits life insurance policy that was paid for by the company. we have now discovered that there was a policy in effect but the death......
What is the name of your state? I'm a resident of Maryland. I wanted to get some renters insurance, but, was denied? Does anyone know where I could find someone to give me renters insurance in Maryland from whomever? IT's my first time renting....
undefinedWhat is the name of your state? Oklahoma I took my son to the dentist a few months ago. The dentist checked his teeth and recommended that he have sealants. I told him that he had sealants put in one year ago. He said that they had worn off and that he needed them again. I asked if the......