Yes. Many carriers are now doing dependent audits to make sure the people you have added to your policy are eligible for coverage. Failure to provide the appropriate documentation can result in the person being dropped. If you poured through the master policy you will likely find the language that gives them that right.
yes
Yes, and you want them to because if they are paid out of order then it will be a mess to correct.
gay marriage or insurance wise because of this
This will depend on your insurance carrier and your provider. I would suggest calling your insurance carrier to ask for help. In general, if your provider is out of network, you will need to appeal the denial with the insurance carrier and provide details about why you didn't call to do the pre-approval. If your provider is in network, they usually cannot bill you if they fail to do a pre-approval. (check with your insurance carrier to verify this) In that case I would contact the provider and tell them they can't bill you for it. If they insist they can, contact your insurance carrier and ask them to send a letter to the provider stating they cannot bill you for the service due to their failure to pre-approve it.
Yes, you may be able to take out a life insurance policy on someone you are not related to - the determination is made by the insurance company as to who you may insure. There must be an "Insurable Interest" in order to insure someone else's life. Insurance Interest means the expectation of a monetary loss that can be covered by insurance. The following are examples of Insurable Interest regarding life insurance: 1. Parent and child, husband and wife, brother and sister have an insurable interest in each other because of blood or marriage. 2. Creditor-Debtor relationships give rise to an insurable interest. The creditor or loan provider can be a beneficiary for the amount of an outstanding loan. 3. Business relationships give rise to an insurable interest. An employee may insure the life of an employer, and an employer may insure the life of an employee.
It all depends on the service provider that you go with. All you need to do is ask the provider when you go to get it , that you need some type of insurance because of your needs.
State disability insurance
The reason why you should purchase health insurance from a specifically Christian provider instead of a nondenominational company because if you're a Christian, they can give you a nice discount.
Insurance does not cover marriage counseling because it is not considered "medically necessary." In order for insurance to cover any counseling services, there must be a mental health diagnosis in place for the counseling / therapy treatment to be considered "medically necessary."
No, because they would be sued for discrimination and violation of labor laws.
Eventually an employer would have to. because unless there is insurance that protects the employees wages, the employer can not be held responsible for the employees ability to work. and if the employee does not work then he does not earn a wage.
If you are an employee of the cab company because you earn wages, then the company pays unemployment insurance to the state. If you were on straight commission, then they probably do not because commissions do not qualify you for benefits. Each state has it's own requirements as to who pays unemployment insurance.