long term health insurance
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Life Insurance.....
Asked by T.O. from Minneapolis
on November 9, 2011
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My husband and I have life insurance through his employer, but I know it is a good idea to have our own term life policy that we pay for - just in case he loses his jo...
Answers
- 10-15x your annual salary is a good rule of thumb. Another is to add up: - Your Mortgage (but you won't want to pay that off, you'll want to keep it for the tax ...
- Dave Ramsay suggests 10-15x your annual salary for level term. The idea is that the money can be invested to generate "roughly" your missing income. Hmmmm....since...
- Agreed...talk to an agent. We covered paying off the house, college expenses and living expenses so that our spouse could live at the same level without financial har...
Pregnant with No Insurance
Asked by S.M. from Parkersburg
on November 28, 2007
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I just applied for Medicaid to help with the medical bills of having a second child (we don't have any insurance) and was denied yesterday because I make to much money...
Answers
- theres an insurance strickly for pregnant woman, i know because i was on it and married and my husband worked and at the time i did too. its not medicad but as soon as...
- S., I know this all to well. I have 4 children 10, 9, 4, and 2. and my husband and i both work. We make too much to receive any benefits. the sad thing is that if ...
- hey there I have been in the same situation as u before. When I was pregnant with my 3rd child I had no insurance I applied for medicaid for pregenant women they wont ...
Life Insurance
Asked by N.K. from New York
on October 5, 2009
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Can anyone tell me about Life Insurance? I'm 8 months pregnant and I would love to get this in place before my baby is born. I know my husband has some coverage thro...
Answers
- Hi N.. I agree with most of the responses. Term insurance is the best. I'm a life insurance agent & I specialized in educating people about life insurance by doing an ...
- Hi N., I would make sure that your SPOUSE not your child is your beneficiary. If your child is beneficiary, someone will be appointed to oversee their money, and it m...
- My husband went in and purchased term life insurance for 25 years when I was pregnant with my second child. The agent will talk with you to figure out how much you/hus...
Losing My Insurance???
Asked by K.T. from St. Louis
on September 28, 2008
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I have been with the same company for a little over 2 years, and it's getting ready to close. I am 6 1\2 months pregnant,and I was told by a friend that with some of t...
Answers
- I would bee line to your HR dept ASAP and find out. I too am suspicious of this...the only thing I've ever heard about is COBRA. And I would recommend starting to sa...
- Are you married? If so, and if your husband's employer has health insurance he can add you to his insurance even though it may not be enrollment time since you are los...
- I haven't heard of this.Better get the details from the insurance company they know what you are needing.My husband quit his job last Novemember and COBRA was outageou...
Maternity Insurance?
Asked by A.M. from Houston
on September 30, 2010
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Hi- I am wondering if any of you ladies know of an individual healthcare policy that covers maternity insurance. I have NOT been able to find one. I worked throughout ...
Answers
- I'm an agent and in Texas, there is only one company that I'm aware of that will write maternity on an individual plan. The deductible on that particular plan is high ...
- I researched this heavily when we decided we wanted baby number two about three years ago. I was only able to find two companies that offered maternity coverage throu...
- Depending on income, you might qualify for Medicaid insurance. I've had friends in similar situations (SAHM, dad works) who used it for their pregnancies and also cov...
Disability Insurance
Asked by L.F. from Los Angeles
on January 29, 2009
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hi there- i need to know if anybody has any good advice about disability insurance. i am self employed and the major breadwinner of the family. if i get hurt or sick i...
Answers
- I have used AFLAC in the past with excellent results. And get the extra disability insurance, the peace of mind is well worth it.
- I haven't used AFLAC but we use The Standard for disability insurance. All in all, it's a good idea. For peace of mind if nothing else. Good luck!
- I haven't used AFLAC, so I can't provide you with any feedback on them. Can you obtain any disability insurance through your profession? For example, I am a CPA so I...
Life Insurance
Asked by A.O. from Kalamazoo
on June 26, 2011
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This is something that my husband and I should have done years ago but with 5 kids and me at home with them, money has always been tight and sometimes "extras", even i...
Answers
- We're also through USAA... and have 500k & 750k respectively. It's funny, it sounds like a lot... but if you make 50k a year, that's only 10 years worth of 'normal' mo...
- The way insurance works is that you can NEVER be overinsured. The max you can get is a multiple of your income, based on age and health. The goal of insurance is to RE...
- I literally just got off the phone getting our life insurance set up. I've been looking for someone with cheap rates for quite a while now. I finally found one. It's t...
Insurance Help
Asked by J.W. from Dayton
on December 18, 2008
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Hello fellow mamas!! I need some info if anyone has any for me. My hubby and I would like to try for baby number 2. However, with the economy as it is we are concerned...
Answers
- I'm not positive but if your husband gets laid off he should be able to get unemployment bebefits.It isn't nearly as much as you are use to having.However if you get p...
- If your beloved is laid off and you are pregnant, I would suggest Ohio Medicaid, they might be of some assistance, outside of this, I'm unsure (I'm a nurse, but don't ...
- You might check into hoosier healthwise...
Pregnancy Short Term Disability Denied What to Do?
Asked by J.M. from New York
on December 27, 2012
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My doctor put me on a weight restriction of 25lb for the safety of myself and my unborn child. My job requires me to lift 40-50lbs, my job consist of a lot of lifting,...
Answers
- That's because CIGNA is evil. Dealt with them when my son was in Children's Hospital... We had to appeal EVERYTHING. Hundreds of billing codes. Ugh 3 st...
- Hi J., I think you need to appeal. Where do you work? Is there a human resources department? They should be able to help you. Can you transfer to another position i...
- It isn't that you can't work, it's only that you can't lift more than 25 pounds. Your employer doesn't want the liability in the event of you having a pregnancy injur...
Health Insurance Needed for Son No Longer Covered Under Family Health Plan
Asked by J.P. from Chicago
on August 4, 2008
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My son will be turning 21 soon, is no longer a full time student, does not have a full time job, as of yet, and will no longer have health insurance. Does anyone know...
Answers
- My daughter signed up for ALL KIDS. You could try that. It coveres her nad her 9 yr old. Not sure about adult children. I wish you luck,
- Call any independent insurance agency. They should have several companies they can get multiple quotes for you to choose from. If you'd like a name and number of an...
- I would type in short term insurance or temporary insurance on the computer. It is affordable, and they take pretty much everyone. My husband has it right now. It i...
