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If I’m on short term disability from my company can they deny my regular insurance?

November 23, 2012 in Insurance jobs and educations

My normal health care requires me to be a full time employee working 40 hours a week. I had a seizure on the job, and can no longer drive a forklift. I have tried to return doing other duties, but they have said they have nothing for me. They placed me on short term disability, and are sending me a cobra package while cancelling my regular health insurance because I’m currently working 40 hours a week. I have worked there 17 years. While on Short Term disability should my regular medical insurance be covered? If it is, where can I find something to prove this to my company in black and white? I’m an Illiniois state resident.

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Long Term Health Care Washington | (253) 891-3590

November 20, 2012 in Health insurance


www.longtermcareplanningco.com Choosing the right Longt erm Care Insurance can be over-whelming and time consuming. www.longtermcareplanningco.com Choosing the wrong policy can be nearly as costly as having no coverage at all. www.longtermcareplanningco.com And the last thing you want is to be contacted by a lot of insurance sales reps trying to sell you their companys policy without regard to your real needs. www.longtermcareplanningco.com I promise I will not waste your time or pressure you. Instead I will be happy to find out what your concerns are and provide you with the answers youre looking for so you can make an informed decision. No one else will contact you when you complete the form on the right. www.longtermcareplanningco.com And I promise I will not share your contact information with anyone else. Let me save you the time, stress and hassle of making sense of all the information about long term care insurance.

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Independent Retirement Living & Long Term Care Insurance

October 26, 2012 in General

The good news is we are living longer and the bad news is we are living longer, our working years ar
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Should I file a complaint to my states Insurance Commissioner about my short term disability insurance company?

October 25, 2012 in Insurance jobs and educations

I paid for short term disability through my employer when I was employed. Then I got an illness and had to have several surgeries in succession and I lost my job. I filed a claim which they received 1 month and 2 weeks ago. After 1 month they asked for 2 more forms to be filled out; 1 by my ex-employer and 1 more by my doctor (Which I think was a duplicate). That was one week ago. I contacted the sales lady, and she said she is working on it, and I should receive an answer on this coming Tuesday (day after MLK Day). Should I file a complaint before that date comes with the state or wait to see if they attempt to delay my payment more?
The coverage was in place at the time the claim was filed and a payment was made for the month before I was let go.

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What would be the legal term for a way for someone to break a contract after discovering false info was given?

October 25, 2012 in Insurance jobs and educations

Ok…here is the story. My best friend (a guy) has had his girlfriend living with him for over a year. Back in January she told him that she did not think she was going to be able to continue paying her share of the rent and utilities because she had just become employed. She told my friend that the unemployment she was receiving was barely enough to cover the COBRA insurance she had paid in January and was about to pay in February. She made a deal with my friend (which was put in writing) that said she would not have to pay her share of the expenses starting March until she got a job. At that point she would then begin repaying him. Well, he knew she had an illness that required her to have the medical insurance so he agreed to the deal. However, everything was not as it appeared.

The Basics of Term Proposals Part II

October 21, 2012 in Car insurance


EduTrainer Steve Savant coaches you through basic term proposals. (Part 2) Illustrating Basic Term Comparisons — Proposal systems that illustrated health several health categories, periods of coverage and premium modes provide multiple consumer options. Health Classifications — there are five recognized non rated, nonsmoker health classifications: super preferred, preferred plus, preferred, standard plus & standard. Periods of Coverage — 10, 15, 20, 25 & 30 year indemnification durations. Some carrier actually customize term periods. Premium Mode — Annual, semi-annual, quarterly & monthly bank draft. Some carriers allow bank drafts for semi-annual and quarterly payments. Life Insurance Basic Entry Manual: Order- [email protected] Download Lincoln Benefit Life’s user friendly proposal software and follow Steve Savant as he teaches the basic concepts of life insurance at www.lblsales.com/etw You can download additional sale support materials including prospecting post cards and letters at www.lblsales.com/strategies/sales_customersExisting.php at EduTrainment workshops is sponsored by Lincoln Benefit Life, An Allstate Company.

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I got a quote for term life insurance for 20 years?

October 20, 2012 in General

…and it cost $5717.28 is that what I’m supposed to pay monthly or yearly or for the whole 20 years?
I have high blood pressure. but it’s controlled since i’m taking medicine and eating healthy.
I have one son from previous marriage. I’m 49 years old.

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Affordable term life insurance quote?

October 9, 2012 in General

What good is affordable term life insurance?

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Life Insurance & More : How to Compare Multiple Term Life Insurance Quotes

October 3, 2012 in Banking insurance


Multiple term life insurance proposals should always be compared in a very specific way. Compare multiple term life insurance proposals with help from a member of the California Department of Insurance Curriculum Board and insurance professional in this free video clip. Expert: Tony Steuer Contact: www.lifeinsurancetoolbook.com Bio: Tony Steuer, CLU, is the author of “Questions on Life Insurance”. Filmmaker: Pierre Forcioli-Conti Series Description: When getting life insurance it is only natural to have a lot of important questions. Get the answers to all these questions and more with help from a member of the California Department of Insurance Curriculum Board and insurance professional in this free video series.

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Joe Suozzo’s Insurance Agency – Long Term Care Insurance

October 3, 2012 in Car insurance


A note about long term care insurance from Joe Suozzo’s Insurance Agency in Derry, NH.

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