There's been a death in your immediate family. But the loss can be mitigated because the deceased had a life insurance policy and you have a right to file a claim since you are the beneficiary. At the time of the death, the last thing you might...
A life insurance claim is a request for a payout on a life insurance policy and is typically made when the policyholder dies. The beneficiary files a claim to collect the insurance payout. There are, however, ways that a policyholder can collect a...
The annual premium you pay your insurance company protects your home from loss due to storms, vandalism and other damage. When disaster strikes, you may feel overwhelmed but by following some guidelines, you have a better chance of filing a...
Homeowners' insurance covers damage to your property, and it may provide limited medical expenses to anyone injured on your property. However, you may have to pay a portion of the expenses, depending upon the type of coverage you have. If you...
Insurance policies protect individuals and businesses against financial losses resulting from unforeseen circumstances. These policies reimburse the policyholder or beneficiary for losses resulting from such hazards as auto accidents, loss or...
Unfortunately for many individuals working in an office or among co-workers, harassment is a threat to the workplace that can cause discomfort among employees, lower morale and affect employee performance. Even though strict harassment laws have...
Losing your job may create financial hardship. Unemployment benefits provide income after loss of employment. Civilian federal employees may qualify to receive unemployment benefits if they become unemployed. Unemployment insurance benefits are...
Homeowner's insurance is a type of property insurance that protects your home and its contents. If a natural disaster occurs, such as a tree falling through your roof, you file a claim with your insurance company and the majority of the cost to...
Flood insurance is a separate coverage area from regular home insurance, and protects a home and valuables against water damage. According to the Federal Emergency Management Agency, flooding is defined as the temporary inundation of water or...
Life insurance exists to protect the financial well-being of the policy's named beneficiaries after the policyholder passes away. For example, a life insurance policy can provide a recently widowed spouse with the money to offset the deceased...
No-fault auto insurance is a contract in which an insurance company covers a driver's losses--no matter who caused the loss. Some U.S. states mandate no-fault auto insurance. This means that in an auto accident resulting in an injury, the...
Federal law prohibits a debt collector from communicating or threatening to communicate false credit information. This prohibition also includes the failure to communicate information that a debt is disputed. These and other prohibited debt...
Unemployment benefits are typically offered to individuals that have involuntary lost their jobs. For a set number of weeks, the insured can collect a portion of his pay. Once you lose your job, you should contact your state's unemployment...
If you find yourself without an income due to a job loss, the first thought that may cross your mind is if you qualify for unemployment. While unemployment can be very beneficial in a time of need, there can be some downfalls that could affect...
Business owners face many risks in the course of doing business. Proper planning and daily monitoring can help business owners manage environmental risks such as changing economic conditions and fluctuating markets. Situational risks require a...
If you've fallen behind on your credit card debt, one option creditors have to recover what's owed is to obtain a judgment against you so they can initiate a wage garnishment. Under the terms of the judgment, the garnishment will remain in effect...
Health care costs more than doubled in the years between 1990 and 2007, according to AARP, chewing up ever-larger portions of the average family's income. Fewer people today have health insurance, meaning that fewer people have easy access to...
A medical insurance claim form is usually submitted by a patient or a physician's office or other medical provider to that person's health insurance carrier for reimbursment of services provided for that patient. For example, if you go to your...
Medicare medical reimbursement classes are divided into four categories identified as Part A, B, C and D. Each part provides benefits for different types of medical services, supplies and equipment. The amount of coverage and reimbursement rules...
When purchasing a homeowner's insurance policy, you have the option of having your claims settled on a replacement cost basis or based on the actual cash value of your personal property or dwelling. Replacement cost insurance provides greater...
Homeowners insurance protects the consumer from theft, natural disaster and other situations in which your home or its contents become damaged. Homeowners insurance is also called hazard insurance, and the policies widely vary, depending on your...
The basic purpose of insurance is to protect against loss. Insurance companies, which date back to 17th century England, protect against their customers' possible losses by agreeing to pay a specified amount of money should a loss occur, in...
The purpose of an insurance policy is to provide financial protection against specified hazards, or events that may or may not occur. The financial risk is too great for the person to manage, so he transfers this risk to the insurance company in...
PPO and HMO health insurance plans provide coverage for medical services in hospitals, clinics, private physician practices and other medical facilities. These health insurance plans have some features in common, but they also have some...
Unemployment benefits provide vital financial support if you lose your job through no fault of your own. You may qualify for unemployment relief if you are fired without cause or if you are laid off, either temporarily or permanently. You can also...
When filing an insurance claim on your home, auto, life or health insurance, the process you follow makes a difference in how quickly processing time leads to resolution of the claim. An insurance claim is a step-by-step process that begins with a...
Many types of health insurance coverage are available, including HMO and PPO plans and HSA-eligible high-deductible plans. While these plans differ in the benefits they offer and the costs to the insured, they have similar features that allow for...
Collecting on a life insurance policy may be a difficult process for you that mentally finalizes the death of a loved one, but it can bring you relief from financial stress and a sense of closure. A variety of companies manage life insurance...
Having access to quality health care is important, and self-insured health plans enable employers to tailor health plans to their market. Knowing if your health plan is self-insured or fully-insured is important, as it determines who you need to...
