TT and life insurance policies
Posted By: Judie on 2008-06-20
In Reply to:
Assurant life insurance was offered (for life, long and short-term disability) last fall. Did anyone have difficulty rolling it over to the new payroll co. this past May?
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Individual Health Insurance Policies
I am going to be purchasing my own health insurance policy for myself and my son in the next couple of weeks. I have gotten a quote from BCBS already, but was wondering if there are any other health insurance companies out there that offer good benefits at a decent monthly premium. Just looking for some suggestions.
TIA!!
From experience as an insurance biller and a consumer with 2 policies.
I think it is always beneficial to have two insurances. I think if it doesnt cost you anymore to have it for him...then do it. Most insurance companies have what they call a "coordination of benefits" and the second insurance usually does pick up what the first doesnt. Say for instance though, with your primary insurance has a $25 copay so they pay for everything but that. That is in turn will go onto your secondary and typically the secondary will pick that up, depending upon their "COB" (coordination of benefits) policy. It may not benefit you a lot if the second has a high deductible until something major, god forbid that.. but I had that happen with my child. One hospital visit and your deductible is met on both as well as your stop loss so basically your covered 100%. Again, it really depends on your insurance and how they do their COB so you may still have a small amount of a copay or percentage but if it costs you no more to haveh him on it, then do it. Trust me, you will be glad you glad, especially in cases of large medical bills. Anymore questions, let me know.
There are some short-term insurance policies out there that cover you betweens job but do know that
they will not constitute as having "real" insurance thus the same has having had no insurance for those few months. I stupidly got a short-term policy for three months until my new insurance would kick in and it ended up not meaning anything to my new insurance. I had to wait a year for my preexisiting. This was Regence Blue Shield and others could be the same way. If nothing else, get a cheap high deductible plan ASAP to kick in right away if you dont want to take the Cobra.
Assurant life insurance
Right after we went with the new company, I emailed TT and asked them to cancel my life insurance with Assurant. I was told that the life insurance had already been "stopped" by TT due to the change-over to the new company. I didn't receive an email or anything from TT stating they were going to stop the benefits we had through Assurant. I have wondered since then if everyone who took out the Assurant life insurance, short-term and long-term disability lost the money they put into it without being contacted by TT.
Just called my life insurance policyholder.
The customer service rep was in Panama City, Panama. At least he had good communication skills. I wonder where the customer service is for my other policy.
Well, my life insurance policy is worth more than I am,
especially the more I try to make MT work for me. Oh, well. It used to be a lot worse. I cut up my credit cards and made power payments on those. I have my first credit card now in 10 years. Yours isn't bad. You can do it.
You haaven't knocked off the husband for the life insurance yet?? You have options, she may not!
 
My husband just signed up for group life insurance with work which will give him 10x his salary if
he dies which will leave the kids and I with almost a million bucks if he dies. Of course I would much rather have him here more than anything. He had just 150,000 in insurance but for some reason just opted for this group thingie. When talking last night I asked him if he died if I could marry again and this man got so upset with me I thought he was going to cry! He told me absolutely, positively NOT that I could not remarry ( am 31!). He is 35. LOL
Poor guy. Leaving me all this money and I supose the thought of me sharing his wealth with someone else makes him sick!!
I told him he could go ahead and marry if I should happen to die. I want my kiddies to have a great mom and person who loves them very much. Wouldn't you agree?
How do you feel about your spouse or partner remarrying if you or he dies??
His policies seem to show that,
Different company, so hopefully different policies. Thanks.
nm
BCBS. Individual policies.
.
Which companies have written policies against it?
Just curious...
It would certainly depend on that company's/hospital's HR policies. nm
x
Life is life....the haven't bonded the same as if it were a 2-year-old!
nm
I bet other insurance carriers have insurance for their employees. Why not Wal-Mart? nm
:+
I make sure the job is not my life and that it does not take over my life. sm
I have been at this 25 years, even once had my own accounts and worked 24/7 with cat naps to keep going but no real sleep. I really burned myself out. Now I work a regular 40-hour week, but it is not my life. It is a means of making money so I can go live my life. I work for a company that is not all about production. They want us to take our time and do it right. I am doing that, and it feels so good to be able to work at my craft and be allowed to do a good job while I am at work.
But after I get off, I have my family and I take time to have fun and enjoy life. I think that is the key to not staying burned out. You need down time, time to have fun, exercise, relax, etc.
Exercise is very important, too. It rejuvenates the hormone system so you have more positive hormones flowing through your body and helps get rid of stress.
That's what I do.
I'm the one who needs to get a life?
You people are the ones laughing at people behind their backs. Typical female, backstabbing, egotistical snobs. Exactly why most of you can't handle working in an office. Thanks anyway, but my life doesn't include ridiculing people for me own ego. You go right ahead. Feel good about yourself.
Never in my life
 I guess I have led a sheltered life. I never in my entire life heard about so many companies bouncing checks in this business! I would be out the door so fast, there'd be no dust behind me. Have I just been lucky?
I have a life.
It's not a money issue. I have hobbies but the winters are long and cold and I'm not a winter outddoors person, only summer and I have no child. Kinda of a workaholic.
Yes, I live a simplier life.
Get a life b.
I didn't realize it was intentionally setting a flame by telling people you like where you work instead of the freaks who come on here constantly complaining about their jobs. Most of you only want to hear negative things and not positives, so when someone posts something positive, you jump all over them. I think you need to grow up b.
Get a life.
Whatever fugly trash. If you want more, keep it coming.
Don't even try to top my life
you old decrepit piece of trailer trash. I will win hands down every time. Now go to bed and dream about the love of your life,your horse, Mr. Ed.
No, I sure don't come first in his life.
he does of me. Seems like his loyalty lies there. I don't think he ever learned the "leave and cleave" thing. And our kids are very important to him. He makes it abundantly clear that I am not top priority. Sometimes I daydream that I meet someone who really loves me and run away with him.
in whose life? *lol*......nm
x
in whose life? *LOL*......nm
x
nothing in life is ever as it seems...sm
you all might be able to *read* all this supposed goodness but some might see it differently.....as some are better readers of others in life, perhaps more intuitive..
in the life..............................nm
x
LOL everyone in my life has always said....sm
Everyone in my life has always said I should be a *comedienne*...... they ALL cannot be wrong as they all do not know each other. I do see myself as *entertaining* others. *winks*
However, I don't like lazy people. I'm the first one to help on these boards, unless they really don't help themselves.....just the way I am.....
Be well.......loved your reaction!! Oh and the one under it, who also LOL. 
It is her life, but you can still try to help her
I agree, abortion is wrong, she would be making a bad decision that she might later regret very deeply. It is her life (but not just her body involved anymore--there's another living being whose body is growing inside hers), but you can still try to help her. She may not want to listen, and if not, then you've done what you can and she has to live with the consequences of her own decisions. There are many good resources available, such as National Right to Life at nrlc.com (http://www.nrlc.org/abortion/index.html) and various Catholic organizations, with a lot of information available about the negative effects of abortion. She won't get that type of info from Planned Profithood--they just want to put as many women through the mill as they can. Learn about it yourself and then share the information with her. You may at least be able to persuade her not to kill the baby but to put it up for adoption instead. She may also be interested in the negative health effects of a promiscuous lifestyle (such as increased risk for cervical cancer in women). Good luck to you.
WHY? Get a life.
x
Well, it's his life, isn't it? (sm)
Sounds like you're more upset about the lack of respect than your son's happiness.
your life
It sounds to me that you are one of those people who takes care of everyone but themselves and as Dr. Phil says, you must be getting a payback from it. I don't know how old you are, but you sound young. One thing I know for sure is that you will never change your brothers so don't even bother trying. It's not your job. Let them live their lives and you live yours. If you are choosing to do what you are doing, i.e.working working working and giving giving giving then so be it. Not everybody is like that. You have to ask yourself why your mom keeps allowing you to do as much as you are doing for her without helping herself. I'm no expert but if you continue on this way, something's gonna snap.
Life
You have probably reached your limit. The most I have worked for is 3 companies at once and I did not have a life to speak of outside of work. I am working for a national now - and you have to break your neck to transcribe a line - they may pay higher than a small local company - but their line lengths or the ESLs prevent you from transcribing per hour your real potential. I wouldn't take on the neurology group unless I was just desperate for the $$. You could take it, though, and subcontract it to your friend - with her as an IC. Check the IRS website to get the specifics on subcontracting or "hiring" an IC and what it means to your bottom line. Hope this helps.
Get a life!
MTs come on here to vent and our fingers get to flying and we don't sit there and edit our posts. We do enough of that when working.
Life after MT at age 58
For those of you who are happy MT'g, I am glad for you. This is for those who are not. Just to let you know, at the age of 58, I am going into a customer service career for an auto company's financial division, and will be making more than thirty thousand a year - so yes, it can be done. My only qualification was that at one time for about five months I gave real estate a try - not my forte, didn't like the driving, people not showing up, etc. So yes, you can still do something else, don't give up if you really can't tolerate it any more. There is hope!
I also have a life ---
that is why I want to work smarter when I am working and get it done so I can live my life...
You need a life...
nm
Actually, that's my life, not like : ) - nm
xx
Thank you, I will be out getting a life (nm)
*
to Wow! Get over yourself , a job and a life.sm
This is my post that you criticize; it has 2 'tiny' typos, namely 'd' instead of 's' and 'a' instead of 's':
......'because I find it faster my way, ONLINE.
You are using bookd, the old-fashioned way?
Expensive and much too slow.
I checked the yesterday'a and today's questions in the afternoon and found - as already said - only 1 somehow unjustifiable question.
To check 1 day would have been enough.
I research ONLINE
with fast and accurate results. The internet is literally swamped with resources and references and is the fastest way. You should try it.
Are you still looking into books? Way too slow.
So, do not blow this out of proportion.
If you have the urge to teach and to guide, open your own MT school and give your advice there.'
----------
ARE YOU SO BORED AND UNEMPLOYED THAT YOU HAVE TO PLAY 'TYPO POLICE?'
great too, but only in this life!
x
oh well. no one said life was fair
you just have to make what you can out of it. There are many, many other subjects that can be debated as well. That is what makes life what it is; a great variety of people and view points. Enjoy the day.
When looking back over one's life...
take a break.. you deserve it!
You really need to get a woman in your life!
nm
looks to me like he's got enough women in his life (sm)
he has all of us! Lucky man, kyradmt!
What is a *good* life?
If you are talking material things, forget that - they need to be with you. If you give up your children, they will never forgive you and YOU will never forgive you. This advice would be different it you were pregnant, then I would say, yes, give the baby to someone who can care for it. That is love.
If you are talking any kind of abuse, get them someplace safe. No child should have to live with drug abuse, or any kind of emotional, physical, or sex abuse.
Fad clothes, iPods, cellphones, etc., are not the ingredients of a good life. You know that. Take care and good luck to you.
Life begins at 50!
My kids are grown, gone & happy.
My second husband is absolutely my best friend.
I have an exciting and highly rewarding job in the MT industry, where I am a valuable member ot the team.
Okay...two out of three ain't bad. 
P.S. Please get a life outside of this board. nm.
nm.
wild life
Lets just leave the wild life alone, ya know? *Man* has screwed enough up on this beautiful earth..Leave the wild life alone.
I have the same problem and have all of my life. sm
Had an array of tests and nothing abnormal showed, even thyroid was normal. There may be nothing wrong, just your unique anatomy and body. At least that was the doctor's conclusion for my problem.
Get this, my body temperature is always 96.8 to 97.5 range and I am always "warm to hot". I can go outside in the snow without a coat and not get cold - go figure! It is not menopause - I am in my 30's and was even tested for that.
Do you come first in your husband's life?
or are the feelings of others such as parents and/or children top priority?
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