Someone who understands insurance please help me!?
825654
A)  One reason why this may have been "the wrong thing to do" is if the termination date of your insurance under employer #1 really isn't November 30th.\n\nTypically, when a person leaves an employer, their coverage under the group policy terminates pursuant to the "Individual Terminations" provision.  The termination may be the date the employer notifies the insurer that you're no longer working there; the date your employment terminates; the first day of the month following your termination; or some other date specified in the contract.  Unfortunately, some employers tell their employees that they have a "30-day grace period" after they leave.  In each and every contract I've ever seen, this isn't the case.\n\nWhy could this be a problem for you?  Because IF insurer # 1 finds out your coverage should have terminated earlier, AND there's no insurance law that prohibits it in your state, it could "retroactively terminate" your coverage, take back the money it paid, and you'll be stuck with the bill.  Some states, such as mine, restrict an insurer's ability to do this.  The problem is, if insurer #1 retroactively denies your claims, you may be beyond insurer #2's timely filing period, which means the claims would be denied.\n\nYou may want to absolutely confirm the termination date under insurer #1 so you can rest easily.\n\nB)  Another reason this may have been incorrect has to do with "Coordination of Benefits" between insurer 1 and insurer 2.  The National Association of Insurance Commissioner's "Model Regulation" regarding COB in your case reads:\n\nSection 5:  Rules for Coordination of Benefits:\n     Subsection D\n          Number (3):  "Active or Inactive Employee:"  The plan that covers a person as an active employee who is neither laid off nor retired is primary.  If the other plan does have this rule; and if, as a result, the plans do not agree on the order of benefits, this rule is ignored."\n\nThat's "insurance-ese" for insurer #1 should have paid as your secondary, since you're no longer covered as an active employee under employer # 1's group policy.  If this is the case and insurer # 1 finds out, it can retroactively deny the claims and take the money back.\n\nLet me know if I can help further.
510629
First off, you get what you pay for and secondly, if it seems to good to be true then it probably is. I would bump up to COMP and COLLISION as well in my opinion. I would also ask the agent for a copy of the policy itself , called a specimen policy, and comb through it very carefully. It will spell out what you will and won't be getting in the policy. If you are comfortable then yes, go for it. Be advised , anything not covered by the policy  in theory could be charged back to you. I work for an insurance company and have seen people lives ruined by not having enough or the RIGHT TYPE of insurance. Bad things do happen to good people. I hope this helps.
42883
Go online and print out a temporary copy.  It should be good for 30 days.  Hopefully your insurance co. has a website that offers that service.
39092
Ouch.  His insurance will not cover this unless you sue.  Then it would fall on his liability coverage.  Condo insurance is pretty cheap.  Even if you are not interested in covering your personal property, you should have coverage for the condo itself plus liability coverage and loss accessments.
733231
Are you buying your own plan or are you employed? Employer based insurance is usually the best and the cheapest.\nIndividual policies are okay the thing is as you add more things to it the price goes up. There are tons of of websites offering "the best insurance" but this is what you need:\nLow deductible, Low inpatient stay deductible/copay.\nReasonable pharmacy plan if it's offered with the medical.\nDo they cover your annual exams for both you and the baby, some individual plans don't.\nDo they cover baby vaccines. \nLabs and radiology is there a copay? Some radiology tests may on different plans.\nBirth Control what products are covered, if any? (after you deliver)\n\nAt my job I suggest www.ehealthinsurance.com
210201
If your insurance is through your employer, then your company should have someone who serves as the representative for your company when dealing with your insurance company.  Insist that this person help you.\n\nAlso, when you call your insurance company - don't accept the first person who answers the phone.  Insist on talking to a supervisor.\n\nAlso, tell both the hospital and your insurance company that you want them to talk to each other again - this time with you on the line as well.  Clearly someone is mistaken and this may be the only way to get to the bottom of the situation.\n\nGood luck!  Insurance can be a nightmare!
269783
Try Allstate Insurance.  They're looking
50854
Most likely this is an independent broker.  They usually sell insurance on behalf of many companies.  They don't necessarily get paid by you but rather by the insurer with a commission.
694759
Send a written complaint to your state's insurance commissioner's office.  I agree with you, the provisions of this contract seem vague and contradictory.  As a matter of contract law, the insurer cannot enforce a vague provision in it's own favor; vague provisions are supposed to be interpreted AGAINST the party that drafted the contract.  \n\nIf the insurance commissioner's office finds, after an investigation, that the contract is unjustly vague, it should be able to assist.\n\nI hope this helps.
416092
As a life insurance agent who deals with insurance day in and day out  I appreciate your frustrations from looking at thousands of insurance sites. My site\nhttp://www.smartlifeinsurancequotes.net addresses these issues.\n\nThe following are five of the most common mistakes consumers make when buying life insurance.\n\n1. Selecting term life insurance solely because it's cheap.\nShopping for life insurance by just comparing premiums is asking for trouble. You should compare company ratings to determine financial strength and policy features, such as convertibility options. While the policy’s premium is certainly a factor, ensuring that your policy matches your financial goals is more important.\n \n2. Not understanding that term life insurance is temporary.\nThat's why it's called "term" insurance -- because you buy it for a set period of time, most commonly 20 years. This is fine for a temporary need, such as insuring yourself until your mortgage is paid off or funding your children’s college expenses in the event of your premature death.\n\nA 20-year level-term life insurance policy you bought when you were 30 would expire when you're only 50. At that point, you still might need to carry insurance, but your age and health conditions might make it impossible or very expensive to do so. At least, if your policy has a convertibility option you can get coverage, it just might be down right unaffordable.\n \n3. Buying from a less-than-stable insurance company.\nDon’t be afraid to ask about an insurance company’s ratings. You can also look for an insurer’s Standard & Poor's, Moody's or A.M. Best ratings on the Internet.\n\nThere are many insurance carriers with high financial ratings (A+ or better) so you shouldn’t have to buy insurance from a lower rated company. But, keep in mind that ratings can and will change, so ratings alone shouldn’t be your only consideration.\n \n4. Buying life insurance coverage based on a set formula.\nYou may have heard that a good rule of thumb is to buy life insurance coverage equal to 10 times your annual salary or 10 times your beneficiary's annual financial need. The idea is that if your surviving beneficiary invests the life insurance proceeds in the stock market (getting an average 10 percent annual return), they'll have a steady income stream and never need to tap the investment principal.\n\nWhile this formula isn't a bad place to start, everyone has different needs, so don’t assume that 10 times your salary is what you need to carry in life insurance. The best advice here is to sit down with a knowledgeable agent that will take the time to learn about your needs.\n \n5. Failing to regularly review your policy.\nIs your former spouse still the beneficiary of your life insurance policy? Did you buy term insurance to cover you while you pay off your mortgage? If you refinanced during the latest rate drop and restarted the clock on your loan, you might also need to update your insurance term. Life definitely has a way of throwing changes your way. Just make sure your life insurance changes along with you.\n \nAlso when shopping on the internet for insurance be careful of sites that are there purely as lead generators because these sites just sell your informations. But, there are plenty of legitamte and trustful site on the internet than one can purchase insurance.\n\nYou can tell the good from the bad by taking these steps.\n1- do not put information in a from unless you actually get a real quote.\n2- look for site that have a phone number with real agents that answer the phone.\n3-If the sites says get quotes from multiple agents then the site is selling your information as a lead service.\n\nSites like http://www.smartlifeinsurancequotes.net can serve as an excellant resource to start your online life insurance shopping. They have agents that you can speak to or email. You can get quotes from over 140 companies with a robust data b
608621
getting a life insurance cover is pretty easy with a good plan \nhowever it may get a bit tricky at times, I suggest you get as much information as possible online on this first,\n\na good place to start in my humble opinion is:\n\nhttp://umgarticles.atspace.com/insurance.htm\n\na couple of years ago I took such a plan, however I made some errors, luckily for you they are all tackled in this article so you cannot make the same errors that i did! ... I only wish the internet was around at that time!\n\ngood luck
891250
contact your insurance company for this bonding.......unsure of cost,,, area, amount of employees and coverage desired...
882243
What is the worst case senario that can happen if you do not have insurance? You might become financially devastated when things happen. That means, you might be worse off then you are now. \n\nAlso, according to past experience working in an insurance company, the reason that they charge you so much is because that event is very likely to happen. The more likely, the more expensive. Therefore, the more expensive, the more you need to have that insurance. \n\nDo not cancel your plan, instead find out more information about alternatives and go through underwriting from several companies. If they reject you(which will be most likely) at least you have something to fall back on when something happens. If they accept you, wait for 3 months before cancelling your current plan.
1115874
That varies with the insurer.  Different companies have different policies.  Most of the better ones try to do so within 48 hours.
89965
I don't quite understand the question.  Are you asking how to defend yourself against the lawsuit?  Your insurance company should be hiring a lawyer to represent you.
1177540
honestly you should never buy any type of insurance without sitting down with someone that way you have a much better chance of NOT getting screwed. good luck
740452
a few questions for you one do you pay for your policy at work if you do then stop you do not want to pay for something now and then if you leave before you retire you are out of luck usually where that coverage would drop off so I would recommend instead just getting a term policy and using some of that money that you would have used for the premium at work and a little extra that you would already be paying \n2 how old are you I would get as long as a term that you can afford because the fact that you cannot guarantee how healthy you are going to be in 5 year let alone 30 years\n3rd I would tell you what I would do if I where you I would get a $100,000.00 UL policy plain and simple that rate would stay the same for the rest of your life, and then if I needed more then the $100,000.00 I would then get a term policy for the remainder in a term policy for the maximum amount of time that one the insurance company offers you and secondly that you can afford if you have questions and want to hear some rates IM me at rahnside and I can pull them up for you I or another Life Agent is Licensed in every state of the US and have over 20 AM Best A- or better companies \n   A Life Specialist \n            Rahn A. Sidebotham II