civil rights act
Blue Cross and Blue Shield of Illinois does offer coverage of bariatric procedures. There are very strict medical criteria that must be met in order for any of these procedures to be approved. However, if your policy is through your employer, they may have opted to exclude coverage of these procedures. This is not BCBS denying coverage, it is your employer.
This depends on whether or not your new employer will be providing you with coverage. If the new employer will provide you with group coverage, then you will have an exclusion for 1 full year from the effective date of the new coverage. During this first year, you will have limited coverage for the pre-existing condition. After 1 year, the pre-existing condition will be covered at 100%.If your new employer is not providing you with a group plan than you will need to obtain individual coverage. Individual Disability coverage is fully underwritten and will likely exclude any pre-existing conditions. If the condition is severe enough, you may even be declined coverage.
A long-term care policy can exclude coverage for pre-existing conditions for up to 6 months after the policy is issued, but this can vary depending on the policy terms and state regulations. After this waiting period, coverage for preexisting conditions should be included in the policy's benefits.
No. You can't insure a crime. Most insurance policies, excepting certain coverage in professional lines will exclude coverage for criminal activities.
No, in fact standard homeowner's policies specifically exclude coverage for vehicles.
You will have to check with your prospective employer(s) to learn the answer to this question.
usually no, but your homeowners MAY, and your employers might as well....most auto policys specifically exclude any and all personal property, and homeowners (under personal property coverage) will exclude some property 'while in or upon a land motor vehicle'.....then there is another twist because it is 'company property' .... i'd file the claim with all, but would bet that none on auto, might have some minor coverage, (with a limit) on your home owners or renters policy, but may need a denial under your employers coverage first before they can pay...... and should find coverage with your employer........
Yes, you should be able to obtain insurance. Most policies exclude coverage for suicide in the first two years of the policy, and in this case a company may exclude coverage beyond that two year term, since there was a previous attempt.
Most policies exclude coverage for damage caused by animals, varmints, and insects.
Texas is the only state were an employee does not have to have workers' comp insurance. Instead they can have a private accident insurance plan. But they must have one or the other. AN employer can exclude contract employees from coverage under their plan (at least in Texas). I forget the exact number, but I know if an employer is a small company, I think it may be under 15, then they don't have to have workers comp or an accident plan.
The valet's employer may be liable. Of course, a waiver of liability may have been part of your agreement.Your personal auto policy may exclude coverage in this situation. You should consult your insurer and possibly an attorney.
You can exclude your husband from your policy thereby not pay premiums for him, but be sure to NEVER let him drive as there would be absolutely no coverage.