• Property damage - amount to pay?

    Thanks to everyone who replied to my previous question around this issue, I would now just like to ask some clarification on it. The incident was that I caused some damage to a property ($3000) through what was likely my own negligence. The girl whose apartment it is, planned to claim for the damage on her... show more
    Thanks to everyone who replied to my previous question around this issue, I would now just like to ask some clarification on it. The incident was that I caused some damage to a property ($3000) through what was likely my own negligence. The girl whose apartment it is, planned to claim for the damage on her insurance, though she was advised to inform me that her insurance company would very likely sue me to recoup their pay out as this is standard practice. However she then told me that she had a one-off no claim discount and if she were to claim from her insurance, her premium would increase significantly and she also had a $500 deductible so she would not receive the full amount of a claim. She has now told me that instead of claiming through her insurance, she will be suing me directly in the small claims court for the full amount as this means she will not then incur any increase in her insurance premium and she will not have any deductible. I may contest the amount of the damage, but can anyone just clarify would there be any difference in amount to pay whether it were her insurance suing me or if she is suing me?
    7 answers · 19 hours ago
  • How can a $550/month health insurance cover nothing? What's the point of insurance?

    Trying to file on healthcare.gov, the insurance doesn't cover any medication, any doctors visit, any specialist, or any visit to the ER unless I rack up over $6,000 in bills during that time so I'm literally forced to give a large amount of money each month just so I can say my name is in there system?... show more
    Trying to file on healthcare.gov, the insurance doesn't cover any medication, any doctors visit, any specialist, or any visit to the ER unless I rack up over $6,000 in bills during that time so I'm literally forced to give a large amount of money each month just so I can say my name is in there system? Can someone please explain this to me? I thought the point of health insurance was to help the individual? There has to be something I'm just not seeing
    14 answers · 3 days ago
  • I m a Painter and Decorator. Asked to price an insurance job on a house. Problems ahead?

    Hi, the problem is that I was told the insurance company had said Yes to me repainting a house who d had a kitchen fire. 3 estimates were put forward and mine was best. Customer now says she s got a cheaper quote so wants to use that Painter. I thought it was for the insurance company to choose the Contractor and... show more
    Hi, the problem is that I was told the insurance company had said Yes to me repainting a house who d had a kitchen fire. 3 estimates were put forward and mine was best. Customer now says she s got a cheaper quote so wants to use that Painter. I thought it was for the insurance company to choose the Contractor and not the Customer. Any cheques would be paid to me by the insurance company after my Invoice, in this case, after completing and Invoicing. I got a hunch the Landlord wants the money and then get the Tennant to do the work. Is this legit? I thought I had the job? Any ideas? Ta.
    9 answers · 14 hours ago
  • When a friend of mine was driving a forklift at a construction site in Connecticut, he lost control of the vehicle and fell down?

    When a friend of mine was driving a forklift at a construction site in Connecticut, he lost control of the vehicle and fell down from the forklift. He received severe injuries on his back and head and needed surgery. Can someone suggest a lawyer who can help him get compensation?
    When a friend of mine was driving a forklift at a construction site in Connecticut, he lost control of the vehicle and fell down from the forklift. He received severe injuries on his back and head and needed surgery. Can someone suggest a lawyer who can help him get compensation?
    11 answers · 4 days ago
  • Choosing to have no health insurance..?

    Me and my husband are considering dropping insurance next year cause simply, neither of us can afford it...and what we can barely afford is pointless unless we are in a grave situation. If we go to the doctor, or chiro, anything....our insurance covers barely any. What we can afford, is the estimated monthly... show more
    Me and my husband are considering dropping insurance next year cause simply, neither of us can afford it...and what we can barely afford is pointless unless we are in a grave situation. If we go to the doctor, or chiro, anything....our insurance covers barely any. What we can afford, is the estimated monthly penalty based on our gross for not having insurance. I understand that being uninsured is a risk if something major were to happen, however we are young (29) and neither of us have any medical problems...and this no insurance plan is only temporarily till in a better situation. Does anyone think this idea is sound? Can anyone relate?
    17 answers · 4 days ago
  • Does life insurance need to be used to pay off debts before going to the beneficiary?

    For example, a childless man names his brother as beneficiary of his life insurance, he has no other assets. Man leaves $25,000 credit card debt plus final medical bills. Does the life insurance need to pay the debt? Also, what if he did have assets such as a house, but wills that to his brother. Would the life... show more
    For example, a childless man names his brother as beneficiary of his life insurance, he has no other assets. Man leaves $25,000 credit card debt plus final medical bills. Does the life insurance need to pay the debt? Also, what if he did have assets such as a house, but wills that to his brother. Would the life insurance go to the sister in full, and brother required to sell the house/use it to pay off the debt by getting his own loan using the house?
    10 answers · 2 days ago
  • Are there any liability forms that would cover visitors (housemate's kids) to my farm?

    I am looking for a sample liability waiver to use for my housemate who brings his 5 kids to my farm every weekend and doesn't watch them all that closely. I have livestock, horses, a barn with a loft, I live along a river, the dangers are various and numerous.
    I am looking for a sample liability waiver to use for my housemate who brings his 5 kids to my farm every weekend and doesn't watch them all that closely. I have livestock, horses, a barn with a loft, I live along a river, the dangers are various and numerous.
    4 answers · 4 days ago
  • How does social security and medicare work ?

    I worked from 14 thru about 24. Then I became self employed and never contributed anything extra other than my regular IRA for about 10-11 years. ($2000 a year) I never earned much at all. Maybe $22,000 from a regular job for 2 years. the rest, far, far less. I never expected or planned for a dime but now that... show more
    I worked from 14 thru about 24. Then I became self employed and never contributed anything extra other than my regular IRA for about 10-11 years. ($2000 a year) I never earned much at all. Maybe $22,000 from a regular job for 2 years. the rest, far, far less. I never expected or planned for a dime but now that I'm 55 and played with a life expectancy calculator, I realize I may live a helluva lot longer than I thought. And I'm drinking a beer to help. (Drinking 2-7 beers per week extends my life 6 months versus 0-2) Insurance is another question. The ACA has been good to me because I'm healthy and I have low income. So the high deductible policies aren't an issue. And the subsides pay a ton of it. But I'm sure that wont continue. Am I inline for any kind of SS when I get older ? What about Medicare ? Does having assets kill it ? I don't mean ultra rich but I don't work at 55 and my very modest house & car are paid for.
    19 answers · 7 days ago
  • Am I eligible for medical health insurance ?

    If your SS Card says " Autherized to work only." Does this disqualify you?
    If your SS Card says " Autherized to work only." Does this disqualify you?
    4 answers · 6 hours ago
  • Can you save money before meeting your health insurance's deductible?

    Best answer: It depends on your area. In most areas there are plans that have procedures covered by co-pays before having to meet the deductible. Look at the more expensive plans on your list. Even if you get a plan that doesn't "cover anything" until the deductible you still get the benefit of the policy. When... show more
    Best answer: It depends on your area. In most areas there are plans that have procedures covered by co-pays before having to meet the deductible. Look at the more expensive plans on your list.

    Even if you get a plan that doesn't "cover anything" until the deductible you still get the benefit of the policy. When you visit providers you'll receive the negotiated amount that the insurance company has with the provider, which could be more than half of what the provider would charge a cash paying patient.

    Also, if your plan is an HSA qualified plan you can open up a Health Savings Account which can lower your income tax payment or increase your tax refund when you file your taxes.
    4 answers · 6 days ago
  • Why does it take so long to sign up for a medigap plan for medicare?

    Best answer: You might have been better served if you'd called in September before the agent got swamped with open enrollment clients.

    Premiums can go up at any time, but most will have a 6 or 12 month guarantee, and after that the increase would be once a year on your anniversary date with most.
    Best answer: You might have been better served if you'd called in September before the agent got swamped with open enrollment clients.

    Premiums can go up at any time, but most will have a 6 or 12 month guarantee, and after that the increase would be once a year on your anniversary date with most.
    33 answers · 1 week ago
  • What is the fine for having no health insurance for the year?

    Best answer: You should buy a very high deductible policy for you because you are gambling with your life.
    Best answer: You should buy a very high deductible policy for you because you are gambling with your life.
    7 answers · 5 days ago
  • Is it common for employers to not offer Short-Term Disability?

    Best answer: Over the years when I worked in insurance, I usually had great benefits. But, that applied if I worked in a mega insurance company. The last (2) that I worked prior to retiring were small companies and were the only ones that did (not) offer short term disability, only long term disability. I asked HR why and... show more
    Best answer: Over the years when I worked in insurance, I usually had great benefits. But, that applied if I worked in a mega insurance company. The last (2) that I worked prior to retiring were small companies and were the only ones that did (not) offer short term disability, only long term disability. I asked HR why and they stated that with short term, in most cases (only) females wanted since most young females get pregnant, thus would be the most common ones to use. Or, could have surgery and be out of work for a week or 2 to recuperate.

    As a general rule in (most) companies, short term starts (after) a week and lasts up to 24 or 26 weeks and paid 60% of your wages, then long term picks up after 24/26 weeks to a full year for 50%. (not sure since I never used either in my lifetime).

    Now some companies in lieu of ST disability, may give you additional PTO, or vacation time, that you “might” want to save “just in case” you get sick and get paid. But, if you don’t have enough time saved up, or enough in your savings to cover your bills, then you might want to consider Colonial Life that your employer has suggested. As the other agents have said there (maybe) a “specific” enrollment period that you can sign up. You should contact HR and clarify.
    24 answers · 1 week ago
  • Does a receptionist at a Drs. office find out what my co pay is?

    After I pay the co pay will I also receive another bill from the insurance company? Is it better to just pay cash? I think my co pay will be $90.00 to see a specialist, not sure what it will be, and then I fear I'll receive another bill too. How does this work? I really like to know what I have to pay, so I... show more
    After I pay the co pay will I also receive another bill from the insurance company? Is it better to just pay cash? I think my co pay will be $90.00 to see a specialist, not sure what it will be, and then I fear I'll receive another bill too. How does this work? I really like to know what I have to pay, so I don't receive any surprise bills I can't pay. I hope a receptionist will tell me cash price & what it would be with my insurance. I can't get any answers from my insurance company when I call them. They don't seem to know or what to tell me. Plus long waits on the phone, and many transfers to different departments. Too stressful for me.
    15 answers · 1 week ago
  • What should I do with my girlfriend? Is this the best idea?

    We are in a long distance relationship. She never calls me. She only textes me and I told her how I feel about this situation. Her Father just passed away and she knows I plan on seeing her by making a trip to Alaska. I am investing a lot to see her and she cannot even put in the time to call me or video chat with... show more
    We are in a long distance relationship. She never calls me. She only textes me and I told her how I feel about this situation. Her Father just passed away and she knows I plan on seeing her by making a trip to Alaska. I am investing a lot to see her and she cannot even put in the time to call me or video chat with me. So, I decided to ignore her text messages and wait for her to call me to see if the love is real. Is this the best idea?
    7 answers · 5 days ago
  • I'm 36, living at home with my parents while I attend college. Would I qualify for Medicaid?

    Best answer: PA has expanded Medicaid (welfare) to anybody making less than 138% of the Federal Poverty Level for their household size. All income in the household counts, so if your household is 3 people (you and your parents) the total income of your household must be under $28,180. If there are more than 3 the household... show more
    Best answer: PA has expanded Medicaid (welfare) to anybody making less than 138% of the Federal Poverty Level for their household size.

    All income in the household counts, so if your household is 3 people (you and your parents) the total income of your household must be under $28,180. If there are more than 3 the household amount will increase.

    Household size and income also count with subsidies, so if you have 3 people you might qualify based on household income between $28,181 and $81,680.
    5 answers · 4 days ago
  • Is obama care un-american?

    I'm forced to pay about $12000 per year for health coverage that has a $2500 deductible. If I don't I have to pay a large fine. I have never in my life spent more than 6k in a year on health care and that year my insurance had a $6000 deductible. So, of coarse it didn't pay a penny. Due to my income I... show more
    I'm forced to pay about $12000 per year for health coverage that has a $2500 deductible. If I don't I have to pay a large fine. I have never in my life spent more than 6k in a year on health care and that year my insurance had a $6000 deductible. So, of coarse it didn't pay a penny. Due to my income I don't get any assistance with paying the 12k (because that assistance is all give to the people who arent earning it). Plus now that heath insurance is mandatory they can just charge whatever they want and I have to pay (No mater how much they're screwing me). They are taking more money from me than those welfare rats are making a year, and they get better coverage. This is taking away my right to choose. I can choose to smoke...or shoot myself in the face, but I can't choose to pay for my health care bills out of pocket. Which by the way I already am because I never exceed my deductible. I hope Trump proves to be smarter than I think
    21 answers · 1 week ago
  • Can I use friends medical insurance to go to the doctor?

    I think I have an infection in my toe and it needs to be looked at. Can I go in with my friend and get an appointment under His insurance card? I'm 19, two hours away from home and I and don't have my medical card with me...what should I do?
    I think I have an infection in my toe and it needs to be looked at. Can I go in with my friend and get an appointment under His insurance card? I'm 19, two hours away from home and I and don't have my medical card with me...what should I do?
    23 answers · 1 week ago
  • Wife loosing blood, front and back, very anemic, no insurance, what should we do to avoid being financially screwed if we go to EMERGENCY?

    We just got a quote from insurance but its not going into effect until one month later but we can't wait so what should we do, she is very anemic at the point of super weakness, not herself poor thing :-( Is it going to cost us a fortune? We are in SF Bay Are near San Jose, California. Its not like we... show more
    We just got a quote from insurance but its not going into effect until one month later but we can't wait so what should we do, she is very anemic at the point of super weakness, not herself poor thing :-( Is it going to cost us a fortune? We are in SF Bay Are near San Jose, California. Its not like we can't afford it but its very expensive in BAY AREA and we just don't know what the best place to go is. Her two jobs are contract consulting and thither one offer medical insurance and if we bought ourselves it costs a lot and I'm not sure how they are allowed to hire people without giving them medical insurance. WHAT A LOOP HOLE. They want us to buy insurance but in that case we basically give them our entire paycheck and thats it.
    7 answers · 6 days ago