Insurance

I smoke occasionally (no comments, I know the risks...). My company charges $30 extra a month for insurance for anyone who smokes more than 1 cigarette a day in the last 12 months. Do you think it's fair to for employers to implement these surcharges? The 3 years I've been working, I've made NO health care claims (none!). I'm 26 very LOW RISK! Why should I pay more than those who go to the doctor all the time?

Where's my work-related stress rebate?

For those judging the smokers..watch out...they'll be after the overweight people next...then those with a family history of cancer...where will it end?

Smokers and other unheatlhy people cut down on the health care expense...they die sooner. It's the old people out there living forever in nursing homes, the gun shot victims in the cities, WIC, and frivolous lawsuits that cost a lot.

If compainies need to cover their costs better, why don't they just raise everyone's insurance by $5?

2006-06-18 06:49:55 · 13 answers · asked by gem 4

ok we have to pay uninsured motorist but we have a state law that requires you to have car insurance so there should not be any uninsured vehicles.why is that?

2006-06-17 23:11:05 · 8 answers · asked by connie c 2

how is it that you pay extra for dental ins. and they tell you that you can't use it for a year. let's see if they could live with a toothache for a year. can i get my money back that was paid into it?

2006-06-17 22:06:08 · 13 answers · asked by connie c 2

Have you people noticed that scince a law was passed to require companies to give health benifits to employee,s that work full 40 hour week, that the same company,s now hire part time, up to 39 1/2 hrs per week? What a loophole! I know the answer already. thanks!

2006-06-17 18:13:09 · 3 answers · asked by gilroy39 1

2006-06-17 11:04:18 · 4 answers · asked by Anonymous

My termination date was June 1, 2006, does my employer still have to pay my insurance which was part of my salary for the full month of June?

2006-06-17 10:30:48 · 9 answers · asked by TJ 1

It seems impossible to get relevant and specific business insurance for the things that really matter - particularly product liability. I have an internet business selling a very wide variety of products/gifts online. My business evidenly does not conform to the criteria that insurers feel are a "nice safe money making bet" for themselves. I work from home until the business is bigger, it sells more than one type of product (not just gadgets/electrical items or clothing etc). A lot of the products are handmade or exlusive. I sell to NAmerica as well as Europe and UK. All of this means I can't get proper prod liablty insrnce cover. So if I can't get insurance, what happens it I continue without it? I have tried so hard over the past year and it just seems impossible, I am not prepared to totally change the business to suite some insurance company, or spend thousands buying a useless policy that covers irrelevant bits when product liability isn't being covered. What can I do?

2006-06-17 06:37:03 · 6 answers · asked by Elene 1

My husband's mother was contacted by a representive of Banker's Life trying to sell her an annuity that would preserve her assets "for the kids" in case she would need nursing home care.
She is 84 and is nearing the time when she will no longer be able to live on her own. She is not a wealthy woman and I believe any money she does have should go for her care.
Does anyone know anything about this type of annuity?
Costs, penalties for early surrender, is it even legal?

2006-06-17 04:42:31 · 5 answers · asked by columbuslady 1

I what to know the Insurance cover on America trade center ,amount of claim paid and policy cover also Name of the Insurance cover policy

2006-06-17 00:14:29 · 1 answers · asked by samuel_mflym 1

Please help I do not have money for legal advice. He took almost $25,000. and only put the roof on . Who do I report him to?It has been almost a year, does the time limit run out? I am worried sick and without a home. What can I do? He refuses to answer my telephone calls. I know where he lives. About 32 miles from me. The insurance company keeps giving me the run around saying there is nothing they can do? Is this true? The contractor is licensed for $80,000. I had a cerebral stroke three weeks ago and I have a problem reading now but any help is deeply appreciated. Thanking all in advance.

2006-06-16 23:45:59 · 21 answers · asked by Anonymous

To find a job for data-entry (full-time). Den Haag, Voorburg, Leidschendam, Rijswijk, Zoetermeer.

2006-06-16 20:32:41 · 2 answers · asked by jokingfrancis 1

My boyfriend has depression and used to be on Zoloft. I feel he should be on it again however his health insurance plan does not cover mental health services. It seems to be a good plan, what it does cover it covers very well, so I'm surprised it will not cover this. Is this typical?

2006-06-16 15:50:51 · 20 answers · asked by Ann 4

A friend of mine injured her knee in a fall three weeks ago, and it's still in really bad shape. She went to an urgent-care facility, where they took X-rays. Unfortunately, these were inconclusive, and they said she'd need to see a specialist. She has no insurance. She lives in Florida. What recourse might she have?

2006-06-16 15:18:26 · 13 answers · asked by kevinb671 3

2006-06-16 14:20:16 · 9 answers · asked by Conan B 1

2006-06-16 11:41:15 · 10 answers · asked by how does clouds create 1

Insurance adjuster sent offer letter and referenced in the letter past medical. When asked where this info came from - it was stated it was sent by me. (not true) Then said received from the Index Bureau - there was no written or verbal authorization for release of info. How does this happen? Isn't there a privacy law?

2006-06-16 10:59:44 · 4 answers · asked by dakota 1

2006-06-16 08:12:22 · 19 answers · asked by Mirjana 1

I do not have health insurance available at my place of employment and have to pay $470 per month for a high deductible, bare-bones policy.
I am a 48-year-old female living with depression, Sjogren's Syndrome, fibromyalgia, and restless leg syndrome - all of which are under control with meds. I am active and otherwise quite healthy, and feel 1,000% better than I did when diagnosed a few years ago. (btw, I have tried to get off the depression med, but always crash)
If I knew which of these are responsible for my insurance woes, perhaps my doc could tell the insurance company that I'm "cured" or something......

2006-06-16 07:54:37 · 12 answers · asked by pacergirl_11 2

2006-06-16 07:43:00 · 24 answers · asked by Grace 1

2006-06-16 06:18:33 · 27 answers · asked by smile 6 2

He is 55, smokes, has had a heart attack, and has diabetes. Please don't tell me how he needs to quit smoking etc... I KNOW THAT. It's his choice NOT to, and I'm trying to figure out what to do before he dies to protect myself. We have health ins. but not life ins. I fear that if he dies, I will lose our home and be destitute. I have physical limitations myself on what I am able to do and can only work a couple of hours a day, which translate into a very limited earning potential.

I know nothing about life insurance. Up until a few months ago, I thought we had it through military retirement. I refuse to lie about his health to get a better rate.

2006-06-16 02:50:34 · 12 answers · asked by lnjn1119 1

I have joined for an Insurance in ING Vysya Bank before 6 Months.Its duration for 16 years.
Now I feel afraid because it is a pvt Company.Anyone know about the Comapny?
Is there any need to afraid?pls advise me

2006-06-15 19:28:06 · 4 answers · asked by Anonymous

2006-06-15 18:39:50 · 9 answers · asked by siva s 1

aparently when I redid my loan with my mortgage company last year, due to the type of loan or whatever, home insurance was no longer part of the monthly premium as I thought it was. now I have found that the home insurance lapsed as of 12/05/05. i need to find a insurance company that will work with me on getting insured again.

2006-06-15 16:53:17 · 9 answers · asked by Duke 1

i want to become licensed to sell auto insurance i live in riverside county and need the traing but not online

2006-06-15 11:32:55 · 4 answers · asked by jenharcohick 1

2006-06-15 10:17:36 · 6 answers · asked by purplepadilla 1

2006-06-15 02:19:07 · 3 answers · asked by DBIzzle 1

2006-06-15 02:10:51 · 3 answers · asked by DBIzzle 1

2006-06-14 23:28:20 · 10 answers · asked by D H 1

If you have a 30 thousand dollar CLAIM sitting in your hand, what makes you think a FOR profit insurance company will pay it AFTER the fact??? Like I said, "I wrecked my car, now can I buy your insurance to cover it??"

2006-06-14 20:08:49 · 5 answers · asked by camandkellysmom 2