When you get married, and either spouse has children, those children can be added to the policy. If you have a family plan, step children can also be added to a medical insurance policy.
No. Step-children have no rights or interest regarding a step-parent's life insurance unless they are a named beneficiary on the policy. Step-children have no rights in a step-parents estate unless they are named in the step-parent's Will. In that case a step-parent can leave the proceeds of a life insurance policy to a step-child by their Last Will and Testament.
In medical insurance, the policy holder of the policy is not automatically the guarantor of a step child. To become the guarantor of the child a formal adoption should have taken place, or the child can be added to the policy.
Can a step parent exclude a biological parent from medical insurance access?
Anyone you give permission to is covered on your policy. Family members are certainly covered, even step children no living with you. Do not use this availability as primary insurance for them though. They should be listed on the residential parent's policy.
Absolutely; a step child is legitimately a member of a family and can be insured, or can be the beneficary of a family insurance policy, just like a biological child.
You will have to check with with your medical insurance provider to find out. Typically no as this would be covered by separate dental insurance.
Your step mother can only change the beneficiary on the life insurance policy if she is the owner of the policy or if she is the trustee of the trust. If she's the trustee then she would need to have the authority to make changes on the insurance policy set forth in the trust document. Otherwise, she cannot make changes in the policy. You haven't provided enough information for a more detailed answer such as who owns the policy and where your step mother "left" those instructions or how she is involved at all.
The first step is to answer a few questions via the online form. The second step is to submit these questions to get quotes from various insurance companies. The final step is to select an insurance policy that meets the criteria.
A fire insurance policy covers "Fire". That's why it's called a fire policy. If you want more coverage then you have to step up to a homeowners insurance policy so you can get all the other coverages you want or need.
A life insurance policy is a legal contract and is binding. Therefor unless there is fraud, there is nothing to contest.
Whoever is named as a beneficiary on your life insurance policy will get the money. Contact whoever is in charge of your life insurance and get it changed as soon as possible. If you are married, it normally goes to your spouse, and in some states, you need your spouses permission to name somebody else as your beneficiary. Step 1 - contact your life insurance provider. Step 2 - contact a lawyer. Answer2: First, who says it's the wrong person? Who took out the policy and who decided on who the beneficiary should be? Who is paying the premium on the insurance policy. The insurance agency who wrote the policy should be the first point of contact.
They could sue you for negligence and loss would be covered under your liability section of your homeowners policy. Also, they could recover doctors bills or medical for the incident under your guest medical coverage.