check with your homeowner's insurance...nm
Posted By: Old MT on 2006-01-29
In Reply to: What about liability??? - Those who have hired house cleaners
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My homeowner's insurance offered it to me even though I said I didn't need it. Have you chec
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Inform the insurance company that they should check into it.
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single mom homeowner
Got my home through USDA Rural Housing, no down, just needed good credit. They adjust my payments according to my income. Eight years ago when I bought it, I was making minimum wage.
Do you have a homeowner's association where you are? If you do maybe you could
mention it to them or the landlord or someone else that will handle it. She will probably know it is you, but at least you won't have the stress of having to deal with it. I have a neighbor I have similar issues with and I told him off in not such nice language and told him I wasn't going to put up with it and since then things have been a lot better. Our association as a newsletter and they were going to put an article in it talking about property line issues and respecting your neighbor, maintaining you property, etc. We've been here 34 years and he has been here 10 years. I keep hoping he will move as one daughter is getting married this summer and another graduating high school (unless she flunks again), but he keeps doing repairs to his house, keeps adding on to the deck, etc. so I don't think he is going anywhere soon.
My homeowner's carrier offers business riders, but
it's only additional liability in case one of my clients gets injured on the premises, and then a computer equipment rider.
I bet other insurance carriers have insurance for their employees. Why not Wal-Mart? nm
:+
Check at a local nursery/garden center for varieties that are bred for your area, then check online
s
Check the connections from where the cable originates to wear it comes into the house. Also check t
had a similar issue with TWC and they had done some upgrades and the modem I had was no longer compatible. The tech knew what the problem was the minute he saw the modem, only it took me about 3 months and threatening to cancel for them to get out here.
No brainer here. Stop payment on first check before you issue 2nd check.
:+
I have had a check bounce over a boo-boo in the check book...NOT A DEADBEAT!!
c
DID you check with Social Security& does your son receive a check???
Go to SSA.gov and research the payee options. You may have to use the search engine, but your answer to this particular issue should be there.
I am disabled and while my kids were minors, I had to fill out a form each year on how I, as the payee spent each and every penny of the money they received. I don't see how his mother can justify how she spent his money for things that you normally would pay.
That said, he is getting Social Security right? Is your son receiving a dependent check? Under law, if a parent is disabled and has minor children, each and every one of those children also receive a check until they turn 18 or graduate from high school, which ever comes first.
The check is a percentage of your husbands, so for 800.00, your son should receive at least 350.00. If you have not been getting this, they would pro-rate it back to when your husbands disability started and that in itself, could solve a lot of your financial problems. You can also find this out on their website, HTH
no - don't check out wildblue. check out hughesnet. sm
i was on wildblue. i absolutely HATED it. i paid $400 for install and equipment and bill was $51.51 a month for smallest plan. no bills, had to be direct debit from credit card or bank. wasn't a lot faster than dial up and i frequently went over my download limit so i had to upgrade to the $80/mo plan. speed was no faster on their "fastest plan". they had a 1-yr contract and only 1-yr warranty. well 20 days (kid you not) out of warranty my tria (the eye on the dish) went out and it cost me a total of $275 for replacement and tech call (had to wait a week and a half before tech could come and then he no showed and rescheduled for the next day stating he didn't have the equipment he needed to fix me and the repair order had been in for over a week by that time. no call to say he wasn't coming either, just no showed). they TRIED to sell me the entire package all over again to get me locked into another 1-yr contract and i declined. it was best in their book so your warranty and equipment would be "new". i had to tell them for 5 months to change which credit card to debit from, never could get it right. had to tell them for 3 months when my phone number changed. i could not wait until the day my 1-yr contract was over. have heard really good things about hughesnet. i think it is a tad more a month, but supposedly a lot faster than wildblue and not near as many problems from what i have heard from others. wildblue was down for an entire week at one point throughout the year i was on it. always got lost signals and page cannot be found multiple, multiple times throughout the day. i used wildblue with VPN (with transtech) and could not keep a connection enough to get a decent line count as i was dropping signals too much and it did slow it way down. i finally got clinic work rather than acute care where time and speed wasn't a factor. research message boards for complaints about wildblue and hughesnet before deciding. also hughesnet i think told me a 2-yr warranty rather than only the 1-yr with wildblue.
Check the classified board here and check
E-bay. Some companies will provide them for free or a small rental fee.
Insurance
If you don't have insurance (dental, vision, prescription, chiropractic, and some locations medical) and don't have a lot to spend on insurance, ask me what I signed up for if interested.
There's a lot of information to tell and I don't want to ramble on if no one's interested.
Talk to ya later,
Andrea - Medical Transcripionist (Nashville, TN)
How can MQ take away the insurance
when the MT is paying for it also? Does that not count for anything?
Insurance
I didn't mean they were taking it away. What I meant is taking it over not making quota. Sorry.
wish I could help on that one - I have no insurance, however, -
I work for one of the TOP docs in NYC who is internationally known, so whenever I am sick, he has taken care of me, called in favors from other specialists, etc. The only bill I have to pay is the lab bill. If you work for yourself, that might be a route to go. I even got my bill at NYU Medical Center 75% off!!!
At one time Aetna was pretty good as far as rates for individuals.
Pet insurance....sm
No flames please, but how do you go about getting pet insurance? When you say "pretty inexpensive", what range are you talking about? Please, any info greatly appreciated. TIA
UPS insurance
I have sent packages via UPS that I have packaged myself and was still covered under their automatic $100 worth of insurance. I wonder if someone at the UPS store is giving you incorrect information? I had an ebay package damaged and they paid for the item even though I packaged it myself. Can you call the main UPS number and ask someone else?
Insurance
I am just curious about liability insurance for people that have IC status. Is it required and if so where can I find out some info on this? TIA
IC insurance
I have researched this myself and found that going through your local Chamber of Commerce is probably the most affordable way to go. If you become a member you are then eligible to get a good rate in health insurance and they offer many different options including HSA (health savings accounts). Check out different Chambers near you though because the membership fee can vary.
Insurance
I have a liability policy for which I pay $164 annually. This does not cover errors and omissions. For this type of insurance the cost would be sky high, or so I've been told.
insurance
I agree. I've had mine for 9 years as it was required and I've never used it. The only use it is, is for a write-off as a business expense for me.
insurance
there are several companies who now offer individual plans, depending on where you are, I had BC/BS - paid higher premium because I wanted good coverage, but can usually find something for around 100.00 a month if you don't have medical problems, copay for prescriptions may be 30-35.00.
insurance q
If you're someone with few health risks (non-smoking, etc.) and no major illnesses, you can probably get a good policy with any one of the major insurers, but ask specifics and shop and compare. When I was working as independent I tried to get one myself but they want to often put you in a $5,000 annual deductible which means you really have to get bad sick or hurt to even really see any benefits paid on your behalf and sometimes if you have a common condition like thyroiditis they would put an exclusion in for the first 6 months to 12 months that you have happen to need surgical treatment for that condition, i.e. thyroidectomy, you are practically on your own because it's pre-existing. I would suggest first applying for low-key health insurance, say $50,000, and then along with history-taking, they generally do a blood draw and EKG, along with perhaps even an HIV test among others, then you've got some "evidence" if you will of your health status before applying for major medical. Then decide later, if you are approved that is, if you want to keep the life insurance as you go independenty, or get life insurance and health insurance with a prospective employer if you happen to go that route instead of independent. This way family considerations also are taken into account. Overall it's best to go beyond the hand-outs which look so colorful and shiny with smiling faces, and look at the contract benefits, exclusions and limitations of any policy, which they hesitate to show unless you pay your money first. Hope you find the right one.
Insurance
I need to find out if Errrors and Omissions insurance is needed for a contracted medical transcriptionist?
Please let me know if you carry it and how I can obtain it?
Thanks...
insurance
No you do not need it and if you did, error and omission insurance is VERY expensive. I work for a company who requires general business insurance (tho I don't know why) and it costs me $168/year which I write off as a business expense but is still a waste of money in my opinion.
PIP INSURANCE
Everyone who lives in Florida should be aware that the PIP insurance as we know it is soon to expire on 10/1/07. Please go to the web site http://www.wpbf.com/index.html. In the center, scroll down a little in the middle is a survery that asks Do you think personal injury protection (PIP) should be eliminated? Please go on line and vote NO. Send this email to everyone you know. We want hundreds of votes.
Also, please send a letter to Governor Charlie Crist,o to Speaker Marco Rubio and Senate President Ken Pruitt. You can find their email addresses on MyFlorida.com. It is very important that they add this to their agenda on 6/12/07 for their special session.
Thanks for your help.
Insurance
I was in a similar position, needed insurance for just a short period until new insurance kicked in. I went to the United Healthcare insurance site and they have "gap" insurance that you can use for anywhere from 1 to 12 months I believe. It sure beats the high expense of COBRA and should get you through.
insurance
Yes, unfortunately I do know what happens! My husband has no insurance, but usually gets care through the VA. In April, he had an emergency, ended up with a pacemaker, a gazillion tests, doctors, two hospitals, ambulance, etc. Over $59,500.00 out of pocket expenses. If the VA does not pay (it is with their review board), we will be paying until we die. Some are taking as little as $25.00 a month, others are waiting for VA and then may reduce the charges somewhat. It is very scary to be without insurance. Try to get something for major hospital stays, surgeries, etc. Also, short term and long term disability are good. If you have any type of chronic condition, forget it. I have diabetes and hypertension both - cannot get coverage anywhere - I have tried several times, so I can be flexible/part time. Good Luck and God Bless You.
E&O Insurance
I bought a policy from State Farm. It cost me $257 for the year. I really have never heard of being able to cover it from home owner's policy, not unless it is for a small amount. My policy consists of $250,000.
I would call SF and ask them about it.
Good Luck!!!
E&O Insurance
Are you a contractor for the hospital? First, you need to make sure you know what limits they are requiring. If they are requiring E&O ins., then they should have something in writing about the limits. This is expensive insurance. I used to be a CSR for an insurance agency.
It's not something that can be obtained through your homeowner's insurance. Homeowner's insurance is occurance-based general liability (and property) insurance, whereas E&O insurance is claims-made liability. Specifically it covers you if you get sued because of an error or an omission that you do that causes harm to someone.
It surprises me that the hospital is requiring it, though. The doctors have to sign off on the reports that you type, thereby removing the liability from you and placing it on themselves.
E&O Insurance
I believe that $100,000 is sufficient, but I believe that most companies do not want to be involved in a lawsuit if something happens. They only want the contractor to be responsible.
Insurance
Why not just contact Aetna directly? Blue Cross/Blue Shield is pretty approachable. They will send you brochures detailing their policies.
Insurance for ICs
What insurance co. does anybody use as an IC? I will be having to find something soon. Thanks
Insurance for IC
If you're 50 or older you can get ins. through AARP if you're a member. Premiums aren't great, but probably better than most private polices.
Regarding insurance for individuals..
Speaking as a self-employed transcriptionist and a former medical insurance billing person, I can tell you that Mega, Fortis, which I think are both offered by NASE, are not great insurance plans. They hardly pay for anything and their preminums are no cheaper than your local Blue Cross. I worked in a doctor's office and did billing to these companies and felt bad for the patients with these insurances. They ended up paying a lot out of their own pockets. Personally, our family got a rate quote with our local Blue Cross and it was cheaper and better coverage. They do have PPO plans with copays etc.. let me know if you have anymore questions. 
questions about MQ insurance
I am an IC right now and for my insurance I had to name just about every illness or hospital visit I ever have had, and if I made an 'oops' or if there is a discrepency, they can drop me at their leisure, which is scary, so i've decided to join MQ full time to get benefits. Will this insurance cover preexisting conditions, no questions asked, since i'm a full time employee with a company? Do I just choose what coverage I want, and what are the choices? If any of you who have insurance with MQ can tell me what to expect, i'd appreciate it, thanks! 
Re: Health insurance
Of note: When I was working in a doctor's office, we had a patient, who went to a hospital ER approved by her insurance, unfortunately, the doctor treating her did not accept her insurance. It was still in litigation the last I was aware. So tell me; how are you suppose to protect yourself in this instance....say you are comatose or unresponsive upon arrival....???
Health Insurance
Does anyone have any information on health insurance for ICs? I am a new MT and have only been working for three months, and unfortunately the company that I work for does not offer benefits. If anyone has any information I would really appreciate it.
Oh! By the way I know about Blue Cross Blue Shield, and will not consider going through them. They are way too expensive and they do not cover any pre-existing conditions.
health insurance
I'm afraid your stuck honey! There are NO companies that provide health insurance for ICs. Sorry ):
THIS IS AN MLM PLAN, NOT INSURANCE.
MY FORMER COWORKER TRIED TO RECRUIT ME FOR IT. I'VE SEEN ALL THEIR INFORMATION ON THE "INSURANCE". I REPEAT, IT IS NOT INSURANCE. IT IS A DISCOUNT PLAN; HOWEVER, NOBODY IN MY ENTIRE STATE ACCEPTS IT. PEOPLE ARE JUST TRYING TO RECRUIT OTHERS TO MAKE MONEY OFF OF THEM.
Health Insurance
I just enrolled my 12 year old daughter in an AETNA insurance plan. They offer plans just for children and offer 3 different HMO's. I picked the best of the 3, with a 10.00 copay and no referrals, for $105.00 per month. Can't beat that!
But Ga, I got stung really bad by MQ with insurance. They would
decent (decent being the key word here) reports to make the require 12,000 lines per pay period, and I would have $300-$400 lines suddenly taken out of my pay, and then it would take several pay periods before I'd be allowed back with insurance that was co-payed with them.
Also, it always struck me odd, that they never raised my pay when I told them to change me from EMPLOYEE to Statutory Employee. I asked and asked and no answer.
The other day I asked for anything written with description of their policies on insurance, "no" work situations for both Employee and SE, and they denied being able to provide either.
I'd be real careful when going to work for this company.
Needless to say I don't work for them anymore. I was left high and dry way too many times, with no contract from them or things in writing of company policies when I was employee. The contract they sent for the SE classification was invalid and they would never send anything in writing that I cared to sign that represented the conditions they wanted me to work under from the get-go.
Can anyone tell me what Medware insurance
rates are for 2 people (me & hubby)?
Thanks!
Medical Insurance??
I am looking at moving back to working from home, I am currently 'in-house' working for a hospital clinic but I need more flexibility for my children's schedules.
I have a decent lead on an IC position, but I am trying to figure out if I can find/afford health care. I really only need catastrophic type care and plan to pay for my own routine care.
Does anyone know of a decent insurance company??
Thanks VT_MT
Health insurance - HELP?!!
Does anyone know of any health insurance I can get? 55-year-old MT (good health)& asking through web and/or phone is a nightmare. Does anyone have GOOD health insur. for a nominal cost? (& dental/vision if have). A few yrs ago I heard of some "upcoming" health ins. for MTs for 1-200/mth (!!?) but never heard again. I really need health insurance. Please help if you can; am sick of brokers & agents who do nothing but give the runaround. Currently in San Diego but may go back to KY next year (home). Thx again!
Do any MTs just go buy their own insurance, is so which companies do you
nm
How are their insurance rates?
nm
Insurance - Healthy NY
Has anyone ever used this company for health insurance? Hypertype told me their girls use it as IC's - that the rates are good. But I see you can't make more than 23k per year. How can you use plan and work f/t doing MT ? thanks guys
Pet insurance question
We just adopted a lovely little Lab mix from the SPCA and she came with a free month of pet health insurance. I debated whether to get it with our last dog, who turned out to have a zillion health problems and cost us a mint before we finally had to put him down at age 2-1/2. I'm tempted to keep this insurance on this new dog. It's really pretty inexpensive and covers 6000 different illnesses and situations including surgeries and accidents. Anybody ever had pet insurance and did it turn out to be worthwhile?
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