Insurance Information

Health Insurance And Divorce

How will a divorce affect your health insurance coverage? During marriage, it’s common for one spouse to maintain health coverage for the entire family through his or her group health insurance plan at work. After a divorce, coverage for the other spouse and the children could terminate. State and federal laws offer protection to families in danger of losing health-care coverage, especially to children. But it’s important to re-examine your family’s health insurance situation before a divorce occurs to avoid serious complications afterward.

Health insurance coverage can be included in a divorce settlement

Because health coverage is such an important benefit, some divorce decrees stipulate that a spouse who provided health coverage for the other spouse or family during the marriage must continue to provide such coverage following a divorce. This is especially true if the other spouse didn’t work outside the home and has no immediate access to health insurance. Neither an insurer nor an employer can deny such court-ordered coverage when children are involved.

If you’re the spouse who carries the health coverage, you may have to pay additional premiums to continue coverage for your ex-spouse and your children, depending on the policy provisions. Some group policies will routinely allow you to continue full coverage for your family even after your divorce. Of course, this may change if you later remarry and want to include your new family on your policy. In any case, the premium for a group family plan may be less expensive than single coverage for two adults.

If your family has individual health insurance

If the issue of health insurance is not included in your divorce settlement, you’ll need to do some scrambling around if your ex-spouse is the insured on the family’s individual health insurance policy. It’s very possible that the coverage provided to you and your children could be terminated. Talk to your insurance agent to determine if you’re still covered, and for how long. If you’re still included in the policy, find out how much the premiums will be over the next 6 to 12 months. Also, begin looking into new health insurance for you and your children.

Secure health coverage for your children

Hopefully, you and your former spouse can work out an agreement regarding health coverage for your children. The child support section of the divorce agreement assigns responsibility for providing the children’s health insurance. But if the noncustodial parent or that parent’s insurance company or employer refuses to cooperate, federal law provides for a court order that secures your children’s continued health insurance coverage. This court order, known as a Qualified Medical Child Support Order (QMCSO), stipulates that custodial parents have the right to obtain health insurance coverage for their children through the noncustodial parent’s group health plan, if the noncustodial parent has such coverage. The children can’t be denied access to the plan, although limitations can be placed on the coverage. The order will not require the plan to provide additional benefits not actually offered in the plan.

The QMCSO can require that policy premiums be deducted directly out of the employee’s paycheck. Reimbursements for medical care are made directly to the custodial (nonemployee) parent, when that parent pays a provider. Also, the noncustodial parent can’t choose a medical plan that is unsuitable for the children. If you’re the custodial parent, get copies of your ex-spouse’s medical plan, medical claims and election forms, the summary plan description outlining your former spouse’s employee benefits, and the page designating the current insureds of the health plan.

Temporary coverage through your former spouse’s employer

Temporary protection may be available through the Consolidated Omnibus Budget Reconciliation Act (COBRA). This federal law was designed to protect employees and their dependents at companies with 20 or more workers from losing group insurance coverage as a result of job loss or divorce.

If your former spouse maintained family health coverage through work, you may (at your own expense) continue this group coverage for up to 36 months after the divorce or legal separation. Your cost of continuing COBRA coverage can’t exceed 102 percent of the cost to the plan for providing identical benefits to an active participant. Be aware that you have the right to pay the premiums in monthly installments. Also, you must pay premiums on time or you’ll lose your coverage. COBRA coverage will terminate sooner than 36 months if you remarry or obtain coverage under another group health plan. Certain governmental plans and church-sponsored plans are exempt from the act.

Several states have enacted their own laws that preserve a spouse’s eligibility for health insurance after a separation or divorce. Some of these laws may provide you with rights more generous than those offered under COBRA, so check your state’s laws first. Ask your divorce attorney or contact your state insurance commissioner’s office.

Also, if you’re over a certain age, it may be wise to purchase individual health insurance or to make sure your working former spouse maintains health coverage as part of the divorce settlement. Otherwise, when COBRA coverage terminates after 36 months, you may find that poor health in your later years presents an insurability problem or that the cost of coverage is exorbitant. In addition, the Health Insurance Portability and Accountability Act of 1996 may provide certain protection regarding pre-existing conditions.

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Posted by admin - November 19, 2010 at 1:08 am

Categories: Insurance Information Tags: Life Insurance, Life Insurance Quotes, whole life quote

Workplaces Scared About Health Insurance Overhaul

After months of hearing forecasts of big hikes in group health insurance rates, Keri Jenkins got a pleasant surprise. Easy To Insure ME has the answers.

Coverage costs for her company, the Norfolk-based ship agent and broker T. Parker Host, would increase by just 7.9 percent, despite new requirements under the national health care overhaul.

It was the company’s smallest rate bump since 2005.

“We were very pleased,” said Jenkins, who is T. Parker Host’s senior vice president for administration.

Many employers, like Jenkins, anticipated big changes as they developed insurance plans for the first time since the passage of the new health law.

For 2011, the law requires coverage for more people and, in many cases, mandates preventive services without extra charge to individuals – benefits that come with a price tag.

However, South Hampton Roads insurers, consultants and employers said the overhaul won’t increase rates more than 4 percent next year, largely because many plans already came close to meeting the requirements.

Overall, including other climbing expenses, local group health insurance costs are rising between 6 and 12 percent – a range comparable to recent years, they said.

For employees, that means more of the same.

“What we’ve seen is a trend where employers continue to offer less benefits and pass on more of the cost to the employees,” said John DeGruttola, senior vice president of sales and marketing for Optima Health, the insurance arm of Sentara Healthcare. “It’s really just in response to the double-digit medical inflation that occurs and continues to occur.”

Several provisions of the health care law take effect for plans renewed after Sept. 23, six months after the legislation was passed.

For many people insured through their employers, these changes will begin in next year’s coverage, which workers are now selecting during an open enrollment period.

Under the law, all plans must cover dependents up to age 26. Children up to 19 can’t be denied coverage due to a pre-existing condition.

Insurers also can’t establish limits on how much they will pay for covered benefits during the entire time an individual is enrolled in a plan. Plans can no longer terminate coverage retroactively due to honest mistakes on applications.

Other rules are contingent on how much employers change their health plans. Among them is a requirement for plans to cover certain preventive services, such as flu shots and some cancer screenings, without charging copays or co-insurance.

Companies can avoid that and some other mandates by basically freezing their plans as of March. To receive “grandfathered” status, a plan cannot significantly raise employees’ responsibility for health costs or substantially reduce benefits. Insurers found that few companies chose this option, though.

Dennis Wance was considering it for his Norfolk-based law firm, Vandeventer Black.

Because of some serious illnesses, health insurance costs would spike next year if his firm chose to grandfather its current plan, he said. However, a new plan probably would mean employees pay a larger portion of their medical bills and receive slightly reduced benefits, he said.

The choice promised to be difficult for a company that prides itself on generous health coverage for its 170 employees.

“These benefits are important,” said Wance, the firm’s executive director. “That’s why we’re reluctant to do some of the more draconian things with medical premiums to get the cost down.”

In some cases, the new law caused barely a ripple in a company’s coverage, especially if its plan already came close to meeting the provisions or if few people qualified for the new coverage.

At T. Parker Host, for example, none of the 56 employees added a new adult dependent, Jenkins said.

Other employers still wrestled with steep increases.

At Hampton-based Old Point National Bank, monthly health premiums rose more than in recent years – between 10 and 20 percent, said Joseph Witt, executive vice president and human resources director.

For his company and its 340 employees, high-deductible plans with health savings accounts have proved a good way to manage costs, he said. Those plans have lower premiums and higher deductibles than traditional plans, and allow employees to save money for medical costs in a tax-advantaged account.

“We’re hoping to one day have all of our employees say, ‘Wow, these high-deductible plans are so great, there’s no reason to be in a traditional plan anymore,’ ” Witt said. “Because the traditional plans are real dogs.”

Insurers said high-deductible plans gained popularity for 2011 because the plans allow employers to pay lower premiums and possibly invest in other benefits, such as matching funds for employee health savings accounts.

Employers also showed more interest in steering employees to wellness programs as a long-term strategy to reduce costs. Programs with incentives, such as gift cards and deposits into the health accounts, tend to work best, said Jeff Ricketts, regional vice president of sales for Anthem Blue Cross and Blue Shield in Virginia. “Cash is king, we’ve found,” he said.

Looking ahead, employers are nervous about future demands of the health care overhaul – even as they wait to see whether it will withstand political assaults.

“I can’t say that the health care reform act has presented, in and of itself for 2011, that significant a challenge for us,” Wance said. “I think those challenges are yet to come.”

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Posted by admin - November 16, 2010 at 12:57 am

Categories: Insurance Information Tags: health insurance, overhaul

Tax Planning Tips: Disability Insurance

The income you receive from disability income insurance may or may not be taxable. The taxability of disability income insurance benefits depends on what type of benefits you receive, whether the premiums were paid with pretax or after-tax dollars, and who paid the premiums (you or your employer).

Individual disability income insurance

The rules surrounding taxation of individual disability income insurance benefits are generally simple. Because you pay the premiums with after-tax dollars, the benefits you receive are tax free. However, unlike health insurance premiums, you can’t deduct premiums paid for individual disability income insurance as a medical expense.

Sometimes, your employer pays for an individual disability insurance policy on you. This may be the case if you are considered to be a key employee of the business. If so, different rules may apply. If the employer gets the benefit, then the premium is not deductible to the company, and the benefit is not taxable when received by the company.

Employer-sponsored group disability insurance

If you are enrolled in a group disability insurance plan sponsored by your employer, the taxability of your benefits depends on who pays the premium. If you pay the total premium using after-tax income, then your benefits will be tax free. On the other hand, if your employer pays the total premium and does not include the cost of coverage in your gross income, then your benefits will be taxable.

If your employer pays part of the insurance premium and you pay the rest, then your tax liability will be split as well. The part of the benefit you receive that is related to the employer-paid share of the premium is taxable; any part of the benefit related to your share of the premium is tax free.

If you pay part of the premium for employer-sponsored disability coverage, the type of dollars you use to pay the premium determines whether your benefit will be taxable. If you pay your part of the premium with pretax dollars, through a cafeteria or medical reimbursement plan, you’ll owe income tax on any disability benefit you receive that is related to that part of the premium. On the other hand, if you pay your part of the premium with after-tax dollars, you won’t owe income tax on any disability benefit you receive that is related to that part of the premium.

Benefits under a cafeteria plan

An employer-sponsored cafeteria plan allows you to select among certain employee benefits, including health, life, and disability insurance. You normally pay for these benefits on a pretax basis. Sometimes, however, your employer pays the premium for the benefits you choose (up to a certain amount), and if you choose additional benefits, you pay for extra coverage using either pretax or after-tax dollars.

If you pay your share of the premium with after-tax dollars, that portion of your disability benefits will be considered tax-free income; you’ll be taxed only on the portion of the benefit related to your employer’s contribution. However, if you pay your share with pretax dollars, that portion of your disability benefits will be considered taxable income, and you’ll have to pay income tax on all of your benefit.

If you are totally and permanently disabled, and you receive fully or partially taxable disability benefits from an employer-sponsored disability insurance plan, you may be eligible to claim a tax credit when you file your annual income tax return.

Group association disability insurance

Disability policies purchased through an association are called group policies because members of the association are offered special terms, conditions, and rates based on the characteristics of that group. Association policies function much like individual policies and have similar tax consequences. If you pay the premiums for an association policy, the benefits you receive are tax free, but you cannot deduct the cost of the premiums.

Government disability insurance

All, part, or none of the disability benefits you receive through government disability insurance programs may be taxable. How much of the benefit is taxable (and under what circumstances) depends on the type of government disability benefit you are receiving:

Social Security benefits: If the only income you had during the year was Social Security disability income, your benefit usually isn’t taxable. However, if your total income exceeds a certain base amount and you earned other income during the year (or had substantial investment income), then you might have to pay tax on part of your benefit. More specifically, your Social Security benefit is taxable if your modified adjusted gross income plus one-half of your Social Security benefit exceeds the base amount for your filing status.

Medicare benefits: When you are disabled, you may be eligible to enroll in Medicare. If you pay premiums for the medical insurance portion of Medicare, you may deduct these premiums as a medical expense (provided, of course, that your medical expenses exceed 7.5 percent of your adjusted gross income). In addition, Medicare benefits you receive are not taxable.

Workers’ compensation: Generally, if you receive a disability benefit from workers’ compensation, that benefit won’t be taxable. Any benefits paid to your survivors would also be tax exempt. However, in certain cases, you may be able to return to work and continue to receive payments. If this is the case, then your workers’ compensation benefit would be taxable. Note, though, that if part of your workers’ compensation benefit offsets (reduces) your Social Security benefit, then that part is considered to be a Social Security benefit. It may then be taxable according to the rules governing Social Security.

Veterans benefits: Disability benefits you receive from the Department of Veterans Affairs, formerly known as the Veterans Administration, are not taxable, except for certain payments for rehabilitative services.

Military benefits: Most military disability pensions are taxable. However, if you were disabled due to injury or illness resulting from active service in the armed forces of any country, your disability benefits may be tax free under certain conditions.

Federal employees retirement system (FERS) benefits: If you retire on disability, the payments under FERS that you receive from a pension or annuity are taxable as wages until you reach minimum retirement age. Beginning on the day after you reach minimum retirement age, payments you receive are taxable as a pension.

Is it wiser to buy disability coverage with pretax or after-tax dollars?

If you pay for disability income insurance with pretax dollars, you are (in effect) reducing your taxable income. This means that you won’t have income taxes withheld on the portion of your income you used to pay your disability income insurance premium. However, you also have to consider how your benefit would be taxed if you ever begin receiving disability benefits. If you use pretax dollars to pay your insurance premium, then your benefit would be fully taxable. However, if you use after-tax dollars, your benefit won’t be taxable.

It comes down to this: If you never use your disability benefits, you’ll save money by paying your premiums with pretax dollars. But if you do use your disability benefits, using after-tax dollars to pay your premiums places you in a better position. Consult your tax professional for advice.

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Posted by admin - November 15, 2010 at 12:53 am

Categories: Insurance Information Tags: best term insurance quote, term insurance quote, term quote

Which Health Insurance Company In California Is The Best ” How To Choose A Policy

Which Health Insurance Company in California is the Best ” How to Choose a PolicyIf you are in the market for choosing a new health insurance policy, you are probably filled with questions and concerns. The sheer variety, not only of different plans, but also of different medical insurance companies, makes this a confusing process for many people. To determine which health insurance company in California is the best, you’ll need to take into consideration the type of plan that you need, how long you need it for, and what special benefits you may be eligible for.

If you already have some degree of group insurance plan through your place of employment then you may be looking for a supplemental policy rather than a main group policy. In that case, to find out which health insurance company in California is the best for your supplemental needs, you’ll want to look at how flexible their programs are. Those that offer a more “a la carte” menu of services and different policies could give you the type of flexibility that will help you to choose such items as dental care, or prescription drug coverage, to add to your current foundation of a plan.

Self employed individuals and small business owners will have a completely different set of needs, by contrast. For them, which health insurance company in California is the best will depend on the ones that have the best rates for individual and group plans. Blue Shield of California, for example, is one of the leaders in this department, but may not be the best option for other types of insurance. Other factors to take into consideration with your plans include the freedom of choice to find your own health care providers, whether or not you need specialty treatments, and mental health care needs.

The out of pocket costs and deductible amounts will also vary not only in between different health care plans but also in between companies. If merely cutting costs is the most important factor, then when you are trying to determine which health insurance company in California is the best you’ll need to be comparing rates. To help assist with this procedure, it’s highly recommended to seek the advice of a licensed insurance agent, or to look at a website that is able to offer you a side by side cost analysis that includes all the various features that may or may not be included in each plan.

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Posted by admin - November 13, 2010 at 12:42 am

Categories: Insurance Information Tags: health insurance, health insurance in California

How To Choose A Mediclaim Policy?

Health insurance is a form of insurance that provides coverage to unexpected medical expenses that may lead to financial hardships. Health Insurance is one of the fastest growing sectors in the insurance industry of India at a current Rs 8,100 crores and is estimated to grow upto Rs 30,000 crores in the next 5 years. Like all other forms of insurance, medical health insurance also comes with different policies and premium rates. Medical health insurance may be provided by a government organization or private insurance companies.

Medical insurance policies come with a minimum duration of 1 year and a maximum duration of 2 years. A detailed financial structure is constructed by estimating the overall healthcare expenses and the monthly premium to be paid. These details are included in the insurance agreement and the benefits are paid by the insurance company. Health insurance policies can be bought collectively or individually. Collective policies may include family insurance, group insurance or short term health insurance. Family health insurance covers the entire family that is stay-at- home parents; students etc. with just one low monthly premium Group insurance are usually bought by employers to cover all their employees at discount rates and greater benefits.

Short term insurance keeps a person covered for short span of time like college years or in between jobs etc. Individual health insurance usually preferred by self employed, entrepreneurs covers the medical expenses of a single person. At a low rate, an individual can opt to cover his/her spouse as well. Medical insurance which is flexible with the varied range of rates and premiums are available for people from all walks of life. Opting for the right scheme or policy may save a person from having an unexpected hole in his/ her pocket with the heavy expenses that arise from an unforeseen accident or hospitalization of the loved one.

Medical Insurance pays for only a certain set of accidents and ailments. Any pre existing ailment like diabetes, poor eye sight etc is not included in the insurance. Hospitalization bills are covered after a brief check by the insurance company whether the rates applied are in sync with the normal amount charged by other hospitals in the area. Any extravagant costs have to be borne by the patient. Surgical costs, out patient bills are covered only if the amount fits the amount quoted in the insurance agreement. Expenses beyond this amount should also be borne by the patient.

Medical insurance companies usually have a list of hospitals which provide a discount or other benefits to the client if the treatment is taken from any one of the hospitals enlisted. However it is not mandatory to opt for these hospitals. In India, with naturopathy and homeopathy also being a prevalent option apart from allopathic treatments, naturopathy treatment is not included in the medical insurance cover so far. However, off lately, some insurance companies provide cover to homeopathic treatments, provided they are opted from certain specified hospitals. In case of a death of the person covered, the benefit amount would be received by the nominee.

Best health insurance is the one that comes with a low premium rate and covers a majority of ailments and accidents. It is very important to opt for the policy which pays at the earliest in case of an emergency. If the patient has to reimburse the amount, the procedure has to be made simple and fuss free to avoid unnecessary hassles by the healthcare providers.

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Posted by admin - November 11, 2010 at 1:03 am

Categories: Insurance Information Tags: health insurance, insurance, medical insurance

Guide To Hotel Insurance

Free Online Articles Directory Why Submit Articles? Top Authors Top Articles FAQ AB Answers Publish Article Hello Guest Login Login via RegisterHello My Home Sign Out Home Page > Finance > Insurance > Guide to Hotel Insurance Edit Article Posted: Nov 09, 2010

By: Kathryn Dawson

About the Author

Kathryn Dawson writes articles for YesQuote, the best insurance broker in the UK for all types of coverage in any commercial sectors. It is essential to have the right hotel insurance or guest house insurance cover if you run a commercial let property, so get in touch with YesQuote and see how you can get protected from loss or damage to property or claims brought about by visitors or third parties. Visit YesQuote for the best commercial property insurance advice today.

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Article Source: – Guide to Hotel Insurance

It is common sense that any hotel owner needs good insurance cover. With guests and staff coming and going daily, ensuring a whole range of problems are insured against is very important. From public liability claims to insuring against theft and fire, there is a large amount that needs to be included in standard hotel insurance. Before buying anything, as a hotel owner it is very important that you know all the facts. It is also crucial that you talk through all your requirements with a few different insurance brokers so you can be sure you are getting a good deal. When it comes to insurance there is a lot of competition out there so you should take advantage of this by discussing your individual needs with several companies before making a decision.

A lot of insurance policies are simply commercial policies that have a few hotel type clauses added in. These are not totally appropriate for hotels and can cause problems down the line. A hotel is quite an unusual business with a unique set of requirements and this needs to be reflected in the policy. To ensure you are getting a tailored plan for your hotel business the best advice is to seek out a specialist insurer of hotels. You will be glad you did when you come away with a thorough insurance policy able to cover you in the event of a host of problems and disasters.

Included in hotel insurance must be both public liability insurance and employee liability (if you have staff working for you that is). These will make sure that if a member of public, guest or staff member was to be involved in an accident, the hotel would be covered if a claim was to be made. These types of insurance are necessary by law and you could be in trouble or even have your license revoked if it was found either of these were missing. There are a large number of other types of insurance that could be beneficial to a hotel owner. For example you can be covered against business interruption, glass replacement, signage damage and employee theft too. Although these are not required by law, you could be grateful you had the additional coverage in the event that one of these scenarios occurred.

Contents cover is also extremely important as is insurance on the hotel building itself. Theft, damage caused by fire or any number of other disasters could mean you lose a large amount of stock or equipment needed to run the business. If you aren’t protected against this then replacing the items may just cost too much and you would be unable to replace what you lost. Although you may not think you have anything that is worth much, even just your linen, beds and kitchen equipment can add up to several thousand pounds worth.

If you have the misfortune to be affected by a serious disaster or theft that involves you having to make a claim, you are going to want a team of professional and experienced insurers helping you. That is why it is important you do your research before taking any insurance out. Although sometimes tempting to go for the cheapest, this can be a mistake and lead to a lot more expense in the future.

Whatever type of hotel you run, you are going to need good hotel insurance. From guest house insurance to commercial property insurance, make sure you work with a professional and reputable company. When it comes to insurance it is not worth taking any risks because your business and your livelihood could depend on it. Find out more about what type of insurance will be best for you by talking with a specialist hotel insurer today.

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Posted by admin - November 10, 2010 at 12:51 am

Categories: Insurance Information Tags: commercial property insurance, guest house insurance, hotel insurance

The New Health Care Law

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the new health care law

Edit Article | Posted: Nov 05, 2010 |Comments: 0 | Share Syndicate this Article Copy to clipboard <h1>the new health care law</h1> By: Health Insurance About the Author Easy To Insure ME has the answers health insurance quotes Health insurance quote individual health insurance (ArticlesBase SC #3615399) Article Source: – the new health care law

In an interview today with Nebraska radio station KOGA, Nebraska`s Senator Ben Nelson said he worked to make sure the new health care law wasn`t a government takeover of health care, addressed some of its benefits for Nebraskans and concerns that have been raised about the law. Below are excerpts from the interview. Easy To Insure ME has the answers

Asked about those who are calling for a repeal and replacement, Senator Nelson pointed out that many of the provisions already in effect are making the health insurance market fairer for Nebraskans:

“For those who want to repeal it, it`s going to be interesting to see if they want to repeal this: banning insurers from preventing coverage due to pre-existing conditions. That`s in place. Allowing the purchase of insurance across state lines. . .Allowing kids to be on parent`s insurance up until the age of 26. There are a lot of parents struggling right now. They paid for and borrowed a lot of money for a college education. They get out, they can`t find a job. They`d be kicked off the parent`s health insurance plan. And if they had a pre-existing condition, they wouldn`t qualify for individual insurance and if they didn`t have a job they wouldn`t qualify for group insurance. So they could be uninsured. That was taken care of. There were just a number of things that are already in place. . .Right now insurers cannot impose annual and lifetime caps on benefits. They can`t drop a person`s coverage just because they get sick. Those things are already in the -

The senator highlighted the fact that 220,000 Nebraskans – roughly the population of Lincoln – don`t have health insurance. By reducing that number, the new law aims to control costs that are currently passed on from those who don`t have health insurance to those who do:

“There are 220,000 Nebraskans who don`t currently have health insurance. . .The number of people who live in Lincoln don`t have health insurance in Nebraska. And we can`t take the approach of `hey, I have mine, now you get yours.` Many of them can`t qualify easily because of pre-existing conditions.

“When people don`t have health care coverage, they still get health care because they go to the emergency rooms and when they go to the emergency rooms they can`t pay. Guess who that cost is passed on to? Those of us that do have insurance and are able then to pay and our rates are higher.

“This law is aimed at changing that to level the playing field. If we didn`t do something, premium costs due to health care costs are going to continue going up at double digit levels. They`re going to go up in the meantime until all the insurance reforms kick in. But that won`t be because of health insurance reform. It will be because health costs continue to skyrocket. This is all aimed at reducing the impact of that and the increasing cost of health care, which is the driving force for our costs of health insurance.“

Asked about concerns people have with the new law, Nelson said that he worked to ensure that it is not a government takeover of health care and noted that it relies on the existing private system. He drew attention to the fact that some fears people raised haven`t come to pass such as “death panels,“ that he read the entire bill before it was passed, his role in shaping the bill and said that he will be watching the implementation of the bill carefully to make sure it follows Congress` intent:

“But I think people were warned about some things that never occurred. For example, where are the death panels? There aren`t any death panels. We also heard that the law would require people who want public health insurance to be implanted with a microchip. That hasn`t happened and it`s not going to happen. And where`s the rationing we were warned about? But perhaps the scariest thing we heard was a government takeover of health care. Have we seen that? No we haven`t. But it`s controversial; I understand. I worked hard against the public option, which was going to replace the private system. I worked hard to make sure we didn`t get that public option, that we have retained the private system. There`s no public option, no national health insurance plan, no single payer system in the law. So those are the kinds of things that could have happened but didn`t happen because I and some others fought very hard against those things happening.“

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Posted by admin - November 9, 2010 at 1:10 am

Categories: Insurance Information Tags: Care, health, law

How Automobile Insurance Premiums Are Determined

Free Online Articles Directory Why Submit Articles? Top Authors Top Articles FAQ AB Answers Publish Article Hello Guest Login Login via RegisterHello My Home Sign Out Home Page > Finance > Insurance > How Automobile Insurance Premiums Are Determined Edit Article Posted: Nov 08, 2010

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Article Source: – How Automobile Insurance Premiums Are Determined

Have you ever wondered why your neighbor pays less for auto insurance than you do? Or maybe you simply want to know why your premiums have suddenly increased. Although the methods that insurance companies use to determine premiums vary, they typically rely on the following factors.

Your state’s department of insurance

In most cases, your insurance company does not set its own rates. Instead, it requests the right to charge certain rates from your state’s department of insurance, which in turn approves and authorizes the requested rates.

Your driving record and experience

Your state’s department of motor vehicles keeps a record of any accidents in which you were involved, as well as speeding tickets or other traffic violations. The more accidents or traffic violations, the higher the risk you pose as a driver, and thus the higher your premium will be. Conversely, insurance companies will give a discount to those who have a good driving record. As a result, you can save hundreds of dollars on your premium if you and the other drivers listed on your policy maintain a clean driving record.

In addition, if you’re a new driver, your premium will be higher than a more experienced driver’s premium. Some states consider anyone with less than six years of licensed driving experience to be an inexperienced driver, regardless of age.

Where you live

Where you live directly relates to your chances of having an accident or becoming a victim of auto theft. So, if you live in an area with dense population, heavy traffic, a high number of auto accidents, and a high auto-theft rate, you’ll pay a higher premium. And individuals who live in rural, less-traveled areas with lower auto accident and auto-theft rates have lower premiums.

The type of car(s) on your policy

Insurers take into consideration the size and type of car you drive, along with its overall worth and how much it would cost to repair it. As a result, if you drive a vehicle that is either prone to theft or expensive to repair, you’ll pay a higher premium.

The number of drivers on your policy

The more people who drive your car, the greater the chances your car will be involved in an accident. If multiple drivers are listed on your policy, you’ll pay a higher premium.

Annual mileage

The less you drive, the less your chances of having an accident. So, if you keep your mileage below a certain threshold, you may be eligible for a low-mileage discount on your premium.

Other factors

Other factors that your insurance company uses to determine your premium include the liability limits on your policy, the amount of your deductible, and the cost of doing business (e.g., underwriting expenses, administrative costs). Discounts are also available for safety devices (e.g., automatic restraints) and antitheft devices (e.g., alarms).

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Posted by admin - November 8, 2010 at 12:31 am

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Provisional Driving Licence ” What It Is For And How To Get One

In the UK you must be 17 in order to drive a car and you have to apply for your provisional driving licence before you are allowed to drive, even when accompanied by a qualified driver. The earliest you can apply for it is two months prior to your seventeenth birthday and under no circumstances are you allowed to drive until you turn 17, as this would be breaking the law and you could face severe penalties.

Where to Apply for a Provisional Driving Licence

There are several ways you can apply for this essential document and these can be summarized as follows. You can apply in person by going to the Driver and Vehicle Licensing Agency (DVLA) to fill out the proper paperwork. You will have to complete the D1 application form in order to do this. You can also apply at the Post Office. Most Post Offices carry all the appropriate forms that you will need to complete in order to be sent the licence. The newest and one of the simplest ways to apply is by online application. Their online site is secure and easy to use with clear and simple instructions.

For the documents now in use you will need to have a photograph such as a passport photo and an appropriate and acceptable form of identification. A passport is an ideal form of ID, but you can also use birth certificates or adoption certificates, certificate of naturalization, national identity card or marriage certificates. With some of these you need two proofs of identity so do check with the application instructions before sending them off.

How Long Does it Take to Get a Provisional Driving Licence?

Under normal circumstances the DVLA will try to get your provisional driving license to you in about three weeks of them receiving your application. It will take longer if they have to check into health related details or look for further personal details. Your document will have a laser engraved black and white photo on it for security purposes and there are various other features added to your license for security purposes.

When Will The New Document Expire?

You can carry your provisional license for a long time. It does not expire until you reach the age of 70, however, the photo ID part of your new document is only valid for ten years. Many thousands of people are already driving around with out of date licenses because they are not aware that they need to renew this part of their document.

Finding Motor Insurance For Learner Drivers

You may find it difficult to get reasonable insurance when you are driving with a provisional driving licence. One option that many young people use is to get yourself added on to your parent’s insurance. This is perfectly valid for driving a car that is owned by your parents and where you are not the main driver, but if you try to use this system to cover a car that is yours, and where you are the main driver, this is called fronting and is illegal. More and more insurance companies are refusing provisional drivers any kind of cover at all. New drivers do statistically pose more of a danger on the roads. That makes it risky and more costly for insurance companies to insure them so they have to either charge a lot more or not bother offering that cover.

By taking the Pass Plus programme you can increase your chances of getting insurance. Motor insurance companies put a lot of stock in this programme. Pass Plus will teach you how to drive under different driving conditions and is thought to make you a better and safer driver, less prone to accidents. You are then liable to get a good discount on insurance with this programme under your belt.

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Posted by admin - November 7, 2010 at 12:52 am

Categories: Insurance Information Tags: driving licence, learn to drive, provisional driving licence

Health Insurance Law Under Divided Congress

Can Republican lawmakers repeal the law?

What about repealing parts of the law?

Among the discrete provisions Republicans have discussed putting on the chopping block is the “individual mandate,” which requires virtually all Americans to obtain health insurance or pay a tax penalty. But any effort to strip the law of a provision that Democrats and the president consider essential to its overall functioning is likely to suffer the same fate as an outright repeal bill. Without the individual mandate, for instance, the law’s requirement that insurers stop denying coverage to people with preexisting conditions or set annual limits on benefits could fall apart because the risk pool could be skewed toward the sick.

On the other hand, Republicans could succeed in eliminating unpopular aspects that are less central to the law. A case in point is the “1099″ provision, which will require businesses to greatly expand their reporting to the IRS of any goods and services they buy. The measure was intended to raise money for the law by helping the IRS clamp down on tax evasion. But many small businesses say that complying with it will prove costly and onerous. Democrats and the president have expressed a willingness to modify or repeal it, as long as Congress finds an alternate funding source.

The Republicans’ majority in the House will give them the power of the purse. Could they use it to defund the law?

To some extent. But here, too, Republicans’ influence will be limited. The most substantial federal expenditures required by the law – the expansion of Medicaid contributions to help states cover a greater share of the poor, for instance, or federal subsidies to help individuals buy private insurance – won’t begin until 2014. And their funding sources were essentially locked in and automated by the law and will not be subject to Congress’s annual appropriations process over the next two years.

How about defunding federal agencies responsible for implementing the health-care law, such as the Department of Health and Human Services or the IRS?

Opinions vary about the probable success of this tactic. The Congressional Budget Office has estimated that over the next 10 years, the administrative costs of implementation could run from $5 billion to $10 billion each for HHS and the IRS. But it’s unclear how much of that would need to come from budget increases. Both agencies have managed to make do with their existing budgets. HHS Secretary Kathleen Sebelius has said that even if her agency were not optimally funded over the next two years, she could find the staff and the means to continue implementing the law. Some conservative analysts are less sanguine, noting that the law requires that by 2013 HHS not only assess the readiness of states to run exchanges through which individuals and small businesses can buy private insurance, but that the agency be ready to step in with a federal version in case any states are found lacking.

House Republicans have also made clear that they plan to hold vigorous oversight hearings on the health-care law. How significant could those hearings prove?

In the long run, the Republicans’ newfound opportunity to hold hearings showcasing what they consider downsides of the law could be their most effective means of dismantling it; the hearings could lay the groundwork for a broad-based public repudiation of legislation that still divides Americans. Among others, Republicans hope to spotlight business owners who say they are hiring fewer workers because they cannot afford to offer the health insurance the law mandates, and individuals who say their premiums have skyrocketed because their insurers have been required to offer broader protections. But Democrats and the White House could also push back, using the hearings as an opportunity to sell Americans on the benefits of the law.

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Posted by admin - November 6, 2010 at 12:30 am

Categories: Insurance Information Tags: health, insurance, law

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