No. But companies can usually get better rates and coverage in group insurance, than can an individual.A Different OpinionI am sorry but I disagree with both points in the answer above as absolutes.
First, if the employer is paying 100% of the employees� coverage then the company is legally obligated to do so for ALL employees and the employee can not opt out. It would be considered discriminatory and a violation of federal law.
Second, in many if not most cases group coverage is more expensive than individual coverage in states where individual coverage is underwritten and the insurance company can deny coverage due to medical reasons. Here is why. When an insurance company offers insurance to a group they must cover all employees. Statistically they know that some of those people are not in good health and will have significant claims. Since they can not discriminate in pricing among employees they charge all employees more to make up for those who will cost them a lot.
Conversely if they can review medical history and refuse coverage to those who they have a reasonable expectation will cost them a lot of money they can offer coverage to healthy individuals at a lower price. For instance, some who is bipolar, has Type 1 Diabetes, been diagnosed with Muscular Dystrophy or MS will be automatically declined in states where the carrier is allowed to do that. You could have any or all of these and get coverage from your employer.
Some states do guarantee coverage to all so this rule would not apply there.
Sorry, the second answer above is completely wrong.
An employer can require that you show proof of coverage from another source if you want to decline their coverage, but they cannot FORCE you to accept their coverage. That is illegal, regardless of whether or not the company is paying any percentage of the coverage (including 100%).
Group coverage is universally cheaper than individual coverage, except in extraordinarily weird corner cases, and such corner cases tend to be highly temporary. Pooled risk is why - even the super-healthy will pay less as part of a group plan, as the individual plan is unable to fully assess the actual risk the person poses. This sounds counter-intuitive, but the problem is that individual plans have to include the risk profile of everyone in that category, since they're only getting premiums from you. Essentially, while there is some ability to pool risk over all people buying individual insurance, the overhead for administering that type of insurance, combined with the inability to well-assess the actual health profile of an individual, means that individual plans will (on average) be significantly more expensive than group plans.
But that's all irrelevant to this discussion, since ALL employer-sponsored plans will be group-type coverage.
Why didn't you take coverage from YOUR employer? Did you sign a waiver at your wife's job? Why weren't you covered at your job? Were you offered COBRA? www.SteveShorr.com/cobra.htm
Small business health insurance may take a huge chunk out of your revenue. Health insurance companies must sell you any small employer health plan they sell to other small employers in your state. Group health insurance is employer-sponsored health coverage for business owners, employees and often for dependents.
Progressive Insurance offers many types of home owners insurance. They have three separate levels of coverage which one can choose from from standard policies to full coverage. Full details of their home insurance coverage can be found on the Progressive website, under Home Insurance Policies.
I have researched AARP health insurance and found that this insurance is available to a specific age group. What I have found is that AARP health insurance is available for those ages 50 to 64.
I have found that it's cheapest to buy that type of coverage from your insurance policy. Some offer this type of coverage and some do not. Shop around.
Your home insurance property coverage portion of your policy would not provide coverage for property of another. However, If you are found liable for damage to your neighbors property your liability coverage would invoke. Most homeowners Insurance policies come as a package with some level of Liability Insurance unless you purchased stand alone property only coverage.
There are a number of options available for one to find information about employer health insurance. One can find information on sites such as United Healthcare or on Wikipedia under the topic of 'Health Insurance in the United States'.
The first place to check is with one's employer. Employers sometimes offer these policies at much lower prices than can be found individually. If one's employer does not offer life insurance, affordable life insurance can be found through quote sites such as Select Quote and Insurance Services Online.
Information on good child health insurance can be found at two of the most popular insurance providers: Medicare and Medicaid. Both offer full health coverage for children as well as answer any questions about such coverage.
Sports insurance may or may not be needed depending on the insurance coverage that you already have. If you do decide that you need it, the cost can be found with a quote from the website www.sadlersports.com.
The vandal if the can be found and sued. Otherwise your insurance if you have full coverage. You will pay a deductible and recover the deductible if the vandal is ever found and successfully sued by your insurance carrier.
Insurance definitions found on the web can explain property and liability insurance more in detail. However the type of business you have will tell you what type of coverage you will need.
COBRA health insurance provides former employees of the company with health coverage. More information on Cobra Health Insurance can be found at the cobra government webpage.
In this case you would use your Uninsured Motorist coverage if you have this coverage. Your UM coverage will pay for damage to your vehicle less your deductible. If later the person is found and their insurance or they personally pay for the damages then your insurance company will get reimbursed and you will also get back your deductible that you paid in you UM coverage.
There are a few different pet insurance products that are available. For the best coverage, you want to look for a company that will let you customize the rates and coverage you want for your pet. The best company i found is 24 Pet Watch. They have very reasonable rates with the best coverage.
In general, health insurance rates have been rising in recent years. If you've found your rates have not been rising, you should check your coverage. Insurance companise who offer lower rates may not be providing as much coverage.
Term life insurance is a unique form of life insurance in which the policy holder makes payments and receives coverage for a fixed amount of time, or the term of coverage. Definitions of the term can be found at sites such as Investopedia and Matrix Direct.
Absolutely your business could be liable if the person is working for you at the time. Their insurance would be primary but you could be found secondarily liable. You can purchase a coverage called hired and non-owned coverage as an amendment to your business auto or liability insurance which would provide you coverage for this type of incident. The coverage is usually very inexpensive as it is secondary coverage.
I take it that the vehicle was found rather quickly. If they had not paid anything, I would guaranty that they will not be paying the claim for GAP coverage. If there is any damage to the vehicle after it was found, then you could have it fixed under your comprehensive coverage.
Liberty Mutual does offer full coverage car insurance. Information online can be found at http://www.libertymutual.com/, including a quote calculator.
My experience with them they are overpriced. I found cheaper rates and better coverage with State Farm
NIB is an affordable health insurance option for most people. Some people have found the claims process complicated and the coverage insufficient however.
If you have "Uninsured or Underinsured Motorist" coverage on your policy, then your insurance will cover it at no cost to you.
I found a great site where you can compare quotes from different companies: insureinfo.info
Direct Line insurance offers insurance coverage for cars, trucks or motorcycles through one on one personal service that can only be found by contacting them directly through their office or website.