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    1. S

      Options for getting out of annuities

      1035 exchange Yes, my error . . . please excuse.
    2. S

      Options for getting out of annuities

      You can take the money out lump sum and pay the tax. You can take the money out in installments, and spread the tax over the remaining payout. You can use 1031 exchange rules and have the carrier transfer the funds to another annuity with another carrier. If this is a tax qualified plan (such...
    3. S

      Is my Insurance Co being too nosy?

      The plan administrator is simply making sure they are HIPAA compliant before refusing or limiting coverage. If you can prove your husband had 18 months of creditable coverage without a break, your new carrier has to honor pre-ex conditions. If you cannot provide the certificates (each carrier...
    4. S

      Life ins denied

      The blood & urine testing is for more than just HIV. They are looking for elevated sugar, presence of nicotine, elevated PSA, presence of albumin, etc. The combined specimen testing reveals indicators on about 40 different conditions. There are many reasons why a reading may be high including...
    5. S

      Husband Denied health insurance for no reason

      Most carriers will tell you, albeit sometimes cryptically, why they denied coverage. Your health history is PHI but their findings through the paramed company can be disclosed to you if you signed a release. As for the non-refundable $40, look in your paper work (particularly the application)...
    6. S

      MR. Charles W.R.

      If you want your claim paid, you will sign the authorizations. If you don't care about future benefits, you can refuse.
    7. S

      medical billing

      Generally speaking, yes (you are responsible) . . . but it depends on the contract your provider has with your managed care company.
    8. S

      Need advice on this: term life ins. cancellation

      I see nothing obvious in your reasoning for demanding a refund. Does this mean, if your husband had died while the plan was in force you would have simply rolled over and allowed the carrier to deny the claim for thousands of dollars because of a clerical error? I seriously doubt you will find...
    9. S

      What can I do?

      I found a site with very good information, including a post addressing CPM devices. Go to http://medicalinsuranceguru.blogspot.com/ and look for the post on Hidden Providers, the invisible kick in the wallet.
    10. S

      Need advice on this: term life ins. cancellation

      Why would you think you are entitled to a premium refund?
    11. S

      Contestability Question?

      Just a wag here, but perhaps they are checking further to see if he was killed as a result of participating in a felony action. Check your policy. Many plans have exclusions beyond suicide such as civil insurection, commission of a felony, etc.
    12. S

      What can I do?

      lkc - None of us, including apparently DRZ, have read his policy . . . so anything we do is pure speculation. We can play guessing games all day but my Magic 8 Ball is broken now and I can't find my Ouija board so I am just going to quit playing 20 questions on this topic. This thread reminds...
    13. S

      What can I do?

      sounds like you have stock in Blue Cross No, I dont. If it were up to me none of my clients would have Blue . . . but too many think they are "da bomb" so I sell it only because if I dont offer it they will buy it somewhere else. Many could qualify for better coverage but dont want to have...
    14. S

      Legal Implications Of Life Insurance Policy

      The answer is no, and yes. The owner of the policy has no obligation to ever repay the loan. However, loans against a policy carry certain "penalties" including reduced death benefit, and (sometimes) lower crediting of interest on the cash value. If the insured dies while the loan balance...
    15. S

      Ins. Cancellation after terminal disability

      Group term life generally terminates within 30 days following termination of employment. Most policies do have conversion privileges and those rights are spelled out in your group certificate. Some plans also have waiver of premium for total disability but even then the definition of disability...
    16. S

      What can I do?

      The appeal process exists for a reason, and you should exercise your right to challenge a denial of coverage. Still, your insurance ID card is not a blank check where you (or your provider) can order anything on the menu and expect it to be paid. Those days dont exist any more. Not with...
    17. S

      What can I do?

      We've given him the correct answers; our "responsibilities", if any, to this board are complete I hear you loud and clear, CBG. My closing remark about singing lessons is my way of letting this guy know I wont waste any more keystrokes on him. Momma said, never teach a pig to sing. It is a...
    18. S

      What can I do?

      the procedure was covered in full Apparently they were correct . . . the procedure was covered in full. The icepack was not. if the doctor placed a $5000 ice pack on my knee, without telling me about it, am I really responsibile? How about $100,000? where does it stop and the doctors's...
    19. S

      What can I do?

      durable medical equipment is covered on some plans. It is not covered on others. You are correct, I should have worded my response a bit differently. I wonder if DRZ would walk into a 5 star restaurant and order from the menu without checking prices, or counting the money in his wallet? When...
    20. S

      Can ex-husband carry life insurance on ex-wife?

      Several things have to happen before a life policy is issued. Obviously the person must be insurable, and they must have the funds to pay the premium. And the beneficiary must have an insurable interest in the named insured. In this case, the wife appears to have an insurable interest, at...

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