How is the primary policy for health insurance determined when a child is covered under both divorced parents' policies?
I would say use both insurance's because neither of them pay 100%. Use one insurance for primary and let the other insurance pick up what the other one doesn't pay. Kind of like a supplemental insurance. Answer Absolutely use both. If you get to make the determination then choose as primary the one with the greatest benefit. Don't be surprised however if each wants to claim that the other is primary. What it may come down to in that situation is the one that was in place first will likely be considered primary.
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Does a 15 and a half year old with a learners permit need his own insurance policy or is he covered under the parents policy?
He is covered under his parents' policy until he gets his own car and license.
Can a child of divorced parents be covered under both parents' insurance plans and if so does this need to be disclosed to the insurance companies?
Yes You only need to disclose it if they ask you. Which I'm sure they will on a claim form. You can't collect twice. Just up to the amount of the total bill. There are "supplemental" plans or individual plans that would pay twice. for more info. visit www.steveshorr.com
If divorced parents live in different states can the non-custodial parent transfer the child to his health insurance policy?
\n. \n Non-Custodial Parent Insuring Child \n. \nIt is a choice between both parents regardless of who has custody.
Answer . Yes, if she has not been previously excluded in writing. If she is going to be a regular operator of the vehicle then she needs to be listed as an operator on the policy.. Answer . An automobile insurance policy coveres named insured, family and anyone who with PERMISSION drives the …vehicle. ( Full Answer )
How long can a parent insure a child Can a child be insured by a parent after they are of legal age and not in school Example can your parents insure you 22 years old under their auto policy?
Answer . \nim 17 years old...the answer is yes pending on if you have a permit if you have a licence and what state the answer is still yes though i dont advise it
\n. \n Answer \n. \nLiability insurance usually follows the vehicle not the driver. (unless the driver was specificly excluded in this case it cant happen because he's your son). As long as the car was insured and he was given premission to drive it, the insurance will be valid in court\n. \…n . \n Not necessarily.\n. \nInsurance coverage varies greatly when it pertains to minors living in the household of the insured.\n. \nIf one is lucky enough for it to apply you may be certain that premiums will significantly increase. ( Full Answer )
Can you obtain a secondary health insurance policy for a child when the primary placement parent has the primary insurance coverage?
Answer . \nYes most definately! It does not matter who has "primary placement". It is based on which parents birthdate comes first in the year. If you were born Jan 3rd and the other parent was born April 18th, your ins would be the primary. That is a national general rule.
Can an 18-year-old covered under his parents' insurance policy be sued for an accident if his parents allowed the policy to lapse without his knowledge but he had given them his monthly payment?
Answer . \nYes, the person is an adult and if the accident was his fault is responsible regardless of the status of the insurance coverage.
The vehicle owner should have a policy on the vehicle. If you are an occasional permissive driver of their vehicle there would likely be coverage.
NO, All drivers are required to carry insurance and be scheduled on an auto insurance policy. if he's not on the policy then he is not a covered driver.. Although your company may be required to pay for an accident in which your uninsured teenager is involved. they would not be paying because he wa…s covered, but rather they would have to pay due to the parents negligence in failing to obtain proper insurance for their teenage child and because they allowed the uninsured child to drive the vehicle. The insurer is often liable to pay for the negligence of the insured. Don't confuse this though with an assumption that the uninsured child was somehow covered simply because the insurer had to pay. ( Full Answer )
In order for your child to have insurance coverage, your child would need to be listed as a covered person on the policy, and a premium would need to have been collected for the child. Even if both parents are insured, if your child isn't on the policy and has not been considered as a portion of the… premium, then there is no coverage. ( Full Answer )
yes, it should if they had your permission and your policy doesn't include any 'excluded' drivers or users
Answer . some insurance carriers are allowing children up to the age of 23 years old and full time student. but better yet, call your parents insurance carrier.
My wife got into an accident in her car and insurance policy under both of us can the insurance company come after me for additional money if my insurance company does not cover all damage?
Answer . If the automobile policy contract is in both names (husband and wife) then the insurance company will look to both of you for compensation of any losses that are not covered under your own policy.
Can you take a second health insurance policy in order to get your husband covered because the first policy won't cover a spouse?
yes. but cheaper to find dif. ins. co. that will cover you both on same policy.
If you are driving with only a permit and a licensed driver is in the car next to you but the car is under your parent's insurance policy will an accident be covered by your parents insurance policy?
Yes, unless you are listed as an excluded driver. To be sure in the future have your parents add you to their policy. Provided you are 18 or younger, most companies will not charge you to be on your parents policy with just a permit.
Depends on your insurance provider. You'll have to contact your agent or the company through customer service to find out what your insurance policy covers. It'll also be on your policy if you have it. Some insurance policies automatically cover infrequent drivers, others only cover primary insured.… If your child is a regular driver of the vehicle, you will need to add them to the insurance at additional cost. ( Full Answer )
In medical insurance, the policy holder of the policy is notautomatically the guarantor of a step child. To become theguarantor of the child a formal adoption should have taken place,or the child can be added to the policy.
Yes, A person can take multiple health insurance plans form samecompany or from different company. In fact it is a good idea totake two health plans from different companies and diversify.
Since you put this under "life insurance", I assume you are not referring to a health insurance policy. With that said, if you are in poor health, you can still get a life insurance policy in most cases. However, a small number of states have more strict regulations on the types of policies known a…s "guaranteed issue" which allow those in poor health to get approved for. I will be more than happy to discuss this with you further, as well as obtain rate information for you. Feel free to contact me via my profile for more information, or email firstname.lastname@example.org ( Full Answer )
If the teenage age is 19 and not a full time student - NO - if under 19 years old or a full time student under the age of 23 maybe 26 - solely dependent on parents then in most cases YES.
Answer . Assuming the teen is covered under the policy before she gets pregnant and the plan does not exclude pregnancy for all then yes.
If both policies are with the same company, and if you or your employer pays the premiums on them, then yes, they both pay. That is actually common; quite often the husband's insurance through his employer is through the same insurance company the wife's job has.
I believe it is until 18 years of age, unless the child is a full-time student.
Most auto insurance covers anyone you allow to drive your car, except people living in your house.
He could be if he's a full time student, but check with the terms of your plan. Unfortunately, unless he's a full time student under a certain age, he probably isn't eligible. And remember that just because he's eligible doesn't mean you elected to cover him in your enrollment. Check with your plan …administrator. ( Full Answer )
Perhaps, if the parent is a bona fide dependent of yours. Do you claim the parent as such on your taxes?. Best to check with the insurance carrier and your particular plan's exclusions, etc.. No, Only the following family sizes are allowed. (A) One adult (B) One adult and any children (C) Two adul…ts,and (D) Two adults and any children. I am not aware of any states that allow parents, even disabled ones, on an employees certificate of coverage. ( Full Answer )
Yes, however I have seen a few cases where you may run into trouble. For example in an odd set of circumstances where a child lived with Grandma and because she was not the legal guardian they would not allow it as a permitted driver... this is rare and we were obviously able to find her another com…pany but it can happen.... long story short, you should have no problem. ( Full Answer )
Look at your bill. If it shows your address in the state that you currently reside in, then that will tell you what state you are insured in. You can still drive to whatever state you want and still be covered. If you move to another state then you must get a new insurance policy in that state. I…t is illegal to have insurance in another state and not live in it. ( Full Answer )
No, water wells are not typically covered under homeownersinsurance policy. The company that installs the well usually has awarranty that may cover damages, or malfunctions.
If your driver's license expires will you still be covered under your auto insurance policy?
I highly doubt it. If the child is not on the policy, then sorry to say, they're not covered. You will need to go in and put them on the policy, if you want that is...
Well, according to my Civics teacher (since we are talking about the Health Care Bill Reform so much now) it is supposedly 26 years of age.
Companies that provide health insurance to their employees often extend that coverage to the dependents of employees as well. So, one way to be covered under an employer-sponsored plan is to be a dependent (child, spouse or domestic partner) of an employee. Through a federal law known as COBRA, …former employees may also continue their coverage under an employer-sponsored health insurance plan in certain circumstances. If you are laid off or leave your job (or if you are a dependent of a person who is laid off or leaves his or her job) and you qualify for COBRA, you can opt to continue your coverage under the employer plan for up to 18 months, at your own expense. That means you will have to pay the full monthly premium that had previously been split between the employee and the company. Employees (and dependents of employees) who lost their jobs due to a lay-off that occurred between September 1, 2008 and March 31, 2010, may qualify for a federal subsidy designed to make COBRA coverage more affordable. The government subsidy covers 65% of your monthly COBRA premium for up to 15 months. There has been some discussion in Congress about extending the eligibility period for the COBRA subsidy but as of this date no extension has been signed into law. ( Full Answer )
Yes, most home insurance policies cover wind damage. Wind damage usually affects the roof of your home only and can be evidenced by missing, torn, creased, or lifted shingles.
The question is unclear as posed. A "crime policy" is one that is intended to cover an organization for a stated range of risks and losses. The term "primary policy" is generally used to descrive a basic, underlying layer of coverage of some type. Therefore, there can exist a "primary" layer of c…rime coverage, on top of which can be additional ("excess") coverage that raises the coverage limits and affords greater coverage. Therefore, they are really two different things. ( Full Answer )
As long as you are a legal guardian then he should be able to be added.
How do you determine a child's primary dental insurance when both parents have different dental insurance?
Each state has rules governing which policy is primary and which is secondary. If the parents are together, most states use the birthday rule. That means the birthday of the parent that comes earliest in the year. If the parents are separated, it will be the parent with custody unless a court order …says otherwise. Your insurer will know the answer for your state or Che k with your insurance department--they usually have a consumer advocate you can check with. ( Full Answer )
What happens when you get a divorce from spose with health insurance can you remain on spose's policy?
Generally no. Depedents have a specific definition of who can be covered. Ex spouses are not normally included.
"Celtic health insurance covers different things depending on where you live, so it depends on the state. The states that have Celtic health insurance are Colorado, Arizona,California,Connecticut,Florida, Georgia,Ohio,Illinois,Maryland,Missouri,New Jersey, Pennsylvania,Texas, and Virginia."
There is nothing wrong with having more than one insurance policy of any particular type, so long as you are not trying to seek double payment, which would be considered felony insurance fraud and comes with lengthy prison sentences. The policy with the broadest scope of coverage would be conside…red primary or first position coverage. The secondary policy would not invoke unless the limits of the first policy as well as the underlying policy have been exhausted. ( Full Answer )
As long as the business has the driver listed as a driver/employee of the automobile, they should be covered.
the spouse should take the advantage of her husband. And she should not be strained and she should take rest.
Yes, if you live in New York, New Jersey, Pennsylvania, or South Dakota. These states allow dependents past age 26 to stay on the parents' plan if certain other requirements are met. In New York, the child can be up to age 30 but has to reside in the state. In New Jersey, it's age 30 but the child h…as to be unmarried and have no children. Pennsylvania it's age 30 and full-time student OR unmarried and no children. South Dakota, it's 29 and a full-time student. ( Full Answer )
A commercial insurance policy covers any court and/or attorney costs, loss of income and other such expenses if a lawsuit is involved. It does not cover incidences where willful neglect is involved.
The best way to determine what Blue Cross Anthem does not cover is to contact your local health insurance agent. Much of the insurance industry is in flux right now due to the Affordable Health Care act.
The Child Protection Policy covers laws which concern child abuse. This would include things such as child labor and attacking or striking your children in a harmful way.
This will depend on the kind of health insurance your parents have. Some health insurance may cover pregnancy while others do not. You will need to contact your insurance agent and ask them about your family coverage.You should also have a insurance booklet that states what treatments and doctor vis…its are covered and what is not covered. ( Full Answer )
online renewal of policy does not require physical inspection ofthe vehicle. Buy Two Wheelar Insurance Policy:
Normally health insurance policies cover only expenses incurred asinpatient. But Star Health Gain Plan also covers out-patientbenefit which include cost for Pre-existing condition, dentalexpenses, pre and post natal care. It covers outpatient benefitsup-to specified limits on the sum assured opted a…nd the age of themember covers. -------------------------------------------------------------------------------------------------------------------------------------- A U.S. health insurance policy will often cover treatment in othercountries that it covers in the U.S., but you must submit all theclaim related documentation in English. That means if thosedocuments are provided in some other language (e.g. Hindi), youwill have to hire a translation service (at your own expense, whichwill not be reimbursed) that is able to competently handle medicaldocuments. In this case however, you will have to pay the expenses yourself,then on return to the U.S. submit the claim with the Englishtranslations of the documents, then wait for the insurance toreimburse you.. ( Full Answer )