Archive for the ‘Latest Insurance News’ Category
More at Stake than Medical Loss
August 1st, 2010
A lobbying battle is shaping up in Washington over the first major provision of the Obama health plan. The stance that the administration is taking on the fight could undermine its efforts to implement every other element of its legislation.
At issue are floors that the new law places on a health plan’s medical-loss ratio, which is the amount of revenue a plan spends on medical claims. Under provisions included in health reform, insurers can only spend 20% of their premiums on running a health plan if they offer policies directly to consumers or to small employers.
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What is Temporary Medical Insurance?
July 30th, 2010
When you have a full time job and receive medical insurance as part of your benefits package, you really are one of the lucky ones. Although this used to be common among workers, it certainly isn’t anymore, and even people who have been in full-time jobs for decades still have to make contributions toward paying for their health insurance. But, when you lose your job, lose your benefits, or retire, what do you do about medical insurance?
Most people who have been laid off from their job are offered something called “Cobra”, which is a form of temporary medical insurance. In sh
Tags: Insurance, Medical Insurance
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HO-3 Policy
July 26th, 2010
HO -3 is the most complex insurance policy.
The widely used HO-3 policy, which provides the most extensive homeowner’s coverage available, is sometimes a problematic one. If the home is damaged, the loss will be measured at replacement cost without deduction for depreciation, subject to the following. The following takes away much of what the preceding gives.
Damaged Building
First, anything resembling replacement cost is only available if at the time of loss the amount of insurance in this policy on the damaged building is 80% or more of the full replacement cost of the building prior to the loss. I
Tags: Policy
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Top 5 Things That You Need For Your New Apartment after You Get Divorced
July 26th, 2010
One of the first things a man does after he gets divorced is to find a new apartment and renters insurance. Well, actually, this usually happens at some point before the divorce is finalized. Really, what kind of self-loathing masochist is willing to keep on living with the ex while the divorce proceedings are going on? But at any rate, once you move out into the world of being a free man again, there are a few things that apartment is going to absolutely need. And don’t let anyone, especially your ex, talk you out of it.
- La-Z-Boys. I don’t care what anyone says. Cou
Tags: Divorced, New Apartment
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Property Insurance Options
July 24th, 2010
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fire image by Grzegorz Kwolek from Fotolia.com Property insurance may spell the difference between financial disaster and recovery. Property insurance options provide renters, homeowners or business owners protection against a range of possible losses. They enable property owners to feel confident that they will have the necessary funds to replace real estate, vehicles or prized possessions when incurring a loss, whether from an accident, theft or natural disaster. - A homeowners’ policy compensates the property owner for any structural damage to his home.
Homeowner’s Coverage
Tags: Insurance Options, Options, Property Insurance, Property Insurance Options
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Student Contents Insurance: Do Students Need Home Contents Cover?
July 21st, 2010
Some students may need to take out home contents insurance when they go to college or university. When does a student need to insure their belongings?
Many students will take valuable possessions to college or university and making sure to have some form of insurance cover in place may be vital. In some cases, a student may already be given some protection, either from their parents or from a hall of residence deal. In others, they may need to take out their own policies. Who needs to buy their own student contents insurance?
Can Students Use Their Parents Home Contents Insurance?
In a few cases a parental home insurance policy may be able to give cover to children, even if they are living away from home.
Tags: Contents, Contents Insurance, Home Contents
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The Best Personal Loan
July 19th, 2010
There are a variety of loans available for people who need cash immediately. The personal loan is one of them. This type of loan is preferred by many people because it can be used for whatever the borrower needs to do, unlike other loans that can only be used for specific purposes. Another good reason why people prefer this loan is that it does not require too much from the borrower.
Even people with bad credit standing can avail of the loan. This lack of strictness of requirements puts the responsibility on the borrower to take the necessary precautions in choosing the best offer in order to avoid serious financial trouble in the future. Read full post…
Tags: bad credit, cash advance loans, personal loans
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Collecting Personal Loans
July 18th, 2010
Today, many people find a personal loan practical to finance their expenses and other monetary issues. Once approved of the loan, they are now obligated to pay off the entire loan on a periodical basis. Many people commit themselves for fulfilling such obligation. However, there are others that intentionally neglect the responsibility they themselves have sworn to do.
When the borrower does not pay its debts, the lender has several options to retrieve what they have lent to them. If you find it difficult to pay your monthly amortization, be honest to the lender and consult him. Immediately opening up to the lender will help him identify workable solutions to remedy the situation. Read full post…
Tags: bad credit, cash advance loans
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