What are the reasons to get both Short-term and long-term disability income insurance?
Nov 18, 2006 by harry-mcphail@sbcglobal.net | Posted in Insurance
Q: I'm meticulously confused as usual. But, if you have the option to get both short and long term disability insurance why would you? Does the short term cover things the fancy term doesn't? Doesn't long term cover the short term period as well anyway? Or do you have to have both to be covered in the immediate prospective and long term??? Why does everything have to be so complicated why cant there just be one kind of disability insurance its soo annoying....Which one would you get or would you get both???? arrrrrrrrrrrgggggggggggggggggggg. I'm only 28 so don't be sure if thats a factor, in relatively good health...but in a profession that can be dangerous. Deranged health field, direct care. What about individual policies, should I consider paying front of the company if they dont offer both of these.....
thank you for any assistance
A: ok, normally want term insurance has a elimnation period of 6 to 12 months before you get any payments.
the short term normally cover that first 6 months to a year.
You will necessity both to be fully covered.
Lets say you are in a car weck and can't work for 9 months,
you get no pay check, you can't pay your strength insurance premuim you lose your car and your house and so on.
Lets say you are in that same car wreck and can never work again, how will you live, pay your bills and so on.
But some people have enough profit saved to pay all thier bills for that first year or first 6 months, and can take the risk of not having short term,
Others can't provide the long term which costs alot more, so they buy the short term, to at least cover the more temp issues,
fr_chuck | Nov 18, 2006
I was approved for short term disability thru my insurance carrier but still not paid yet?
Jul 31, 2008 by Lauren | Posted in Insurance
Q: I call for someone with Human Resource knowledge or payroll to help. I was approved for short term disability a few weeks ago, and I missed the last pay day, but now they did not pay me again? Is this authorized? Who can I contact about this? I normally get direct deposit, will they mail me my pay check? I need the money & they owe it to me becuse I was approved thru Aetna. Also, I do scheme on going back to the company & they also sent me a letter threating termination, so in the meantime I applied for unemployment. Please cure?
Aetna already approved my claim they told me that they informed my job that I am approved., there is no waiting week... I am due waiting for my company to pay me, what is the typical procedure. I was told that I would be paid thru the companies scheduled payroll and i had direct deposit. Are they allowed to hold my payments. They owe me two paychecks so far.
A: You emergency to call the claims adjuster to ask what the holdup is, and how they're going to pay you.
Most likely, though, you have a 30 day "deductible" called an elimination epoch. The first 30 days are NOT PAID.
Also, your HR department does NOT approve the disability - they can't cut out the claim "stick". Aetna, if that's who your policy is with, would "approve" the ask. Your doctor would be the one who says you can't work.
You can't collect both disabiltiy, and unemployment. Either you can work, or you can't. If you get laid off because you can't drudgery, once you're well again, THEN you can file for unemployment.
mbrcatz | Jul 31, 2008
Need a temporary insurance for a second car - how to do that in the best way?
Sep 14, 2007 by Martin H | Posted in Insurance & Registration
Q: Hi,
I have at most bought a new car but I have not sold the old one yet. I am entitled to 9 yrs no claim bonus but I cant use it on the new car as it used on the previous scheme. What I have done is I cancelled the old policy (effective from Sunday) and will buy a new one for the new car from Monday morning so I will be able to use my NCB. Now I craving to buy a cover the second (old) car for a while as well (third party only) but I'm hoping to sell it so I need a 1-month (or 2) regulation.
I've found Direct Line will be one of the best for my new car. They also match NCB for the second car if the first one is insured with them. If I take a pay-monthly plan from them and if I countermand after a month or two (once I've sold the old car) - will it work like that? Is the monthly instalment all I'll basic to pay?
I've just found that buying a new car and still having the old one is a real pain.
I've checked so called short term policies but they are tooooo high-priced (i.e. £120/month vs. £400/year) :/
A: Do what I've always done in the same position...phone the office nearest you, speak to a real human being and tell them the enjoin situation...if you tell them about it all in advance, they are usually very helpful and will often bend the rules Dialect anenst despite minimum term and cancellation policy just to get your future custom for the new car.
rosbif | Sep 14, 2007
Give me your opinion insights and summary or how you understand this..?
Oct 09, 2006 by tadz | Posted in Philippines
Q:
A: Fact check.
The philippines has good sound laws but corrupt political influences always put off the implementation of these laws.
By the time these laws are enforced, they become so obsolete that another law must be passed (fair-minded like the politicians who regularly pass gas - i.e. fart through their mouth).
Soul Rebel | Oct 09, 2006
cash flow statement true or false help plss?
Jul 06, 2009 by Devadas C | Posted in Corporations
Q: 1.The change flow statement is a required statement that must be prepared along with an income statement, communiqu of comprehensive income, balance sheet, and statement of retained earnings.
2.A specie flow statement indicates the sources and uses of cash during a period.
3.In preparing a mazuma change flow statement, the issue of debt should be reported separately from the retirement of in the red.
4.Cash flow from investing activities is considered the most important category on the money flow statement because it is considered the best measure of expected income.
5.Any thing that appears on the income statement would be considered as either a cash inflow or cash outflow from operating activities.
6.Using the additional method, an increase in accounts payable during a period is deducted from net income in canny cash provided by operating activities.
7.If the balance of prepaid insurance increases during a years, it indicates more cash was expended for insurance than is reported in the income statement.
8.The investing split of the cash flow statement is prepared by analyzing changes in short-term notes blood-money and long-term liability and equity accounts.
9.In preparing net cash flow from operating activities using the direct method, each jotting in the income statement is adjusted from the accrual basis to the cash basis.
10.Specie flow from operating activities will be the same under both the direct and indirect methods of cash flow allegation preparation.
A: 1.The loot flow statement is a required statement that must be prepared along with an income statement, declaration of comprehensive income, balance sheet, and statement of retained earnings.
Literal
2.A cash flow statement indicates the sources and uses of cash during a duration.
TRUE
3.In preparing a cash flow statement, the issue of debt should be reported severally from the retirement of debt.
TRUE
4.Cash flow from investing activities is considered the most urgent category on the cash flow statement because it is considered the best measure of expected receipts.
FALSE
5.Any item that appears on the income statement would be considered as either a cash inflow or change outflow from operating activities.
FALSE
6.Using the indirect method, an multiply in accounts payable during a period is deducted from net income in calculating cash provided by operating activities.
Fraudulent
7.If the balance of prepaid insurance increases during a period, it indicates more cash was expended for insurance than is reported in the profits statement.
TRUE
8.The investing section of the cash flow statement is ready by analyzing changes in short-term notes payable and long-term liability and equity accounts.
Phoney
9.In preparing net cash flow from operating activities using the direct method, each filler in the income statement is adjusted from the accrual basis to the cash basis.
Literal
10.Cash flow from operating activities will be the same under both the direct and indirect methods of cash emanate statement preparation.
TRUE
Sandy | Jul 07, 2009
Short Romance & Marriage Jokes 2?
Nov 12, 2007 by ~brandy~ | Posted in Jokes & Riddles
Q: THE Adjustment BETWEEN A MAN AND A WOMAN
A man is driving up a steep, narrow mountain road. A woman is driving down the same route. As they pass each other the woman leans out the window and yells, "PIG!!"
The man instanter leans out his window and replies, "BITCH!!"
They each continue on their way, and as the man rounds the next corner, he crashes into a pig in the mid-point of the road.
A husband and wife were shopping when the wife said, "True-love, it's my Mother's birthday tomorrow. What shall we buy for her? She would like something electric."
"I was married 3 times," explained the man to a newly discovered drinking spouse, "and I'll never marry again. My first two wives died of eating poison mushrooms and my third the missis died of a fractured skull."
"That's a shame," said his investor. "How did it happen?"
The concubine applying for a job in a Florida lemon grove seemed way too qualified for the job. "Look Fail to keep," said the foreman, "Have you any actual experience in picking lemons?"
"Well, as a purport if fact, yes!" she replied. "I've been divorced three times."
Bob's greatest achievement was his brood of six children. In fact, he was so proud of himself that he started work his wife "Mother of Six", despite her continual objections.
One round-the-clock at a cocktail party, Bob decided it was time to go home and shouted across the room, "Shall we go cuttingly, Mother of Six?"
His irritated wife hollered back, "Any time you're on the verge of, Father of Four."
The hit-and-run victim was just getting to his feet when a policeman ran up to helper. "My mother-in-law just tried to run me over!" the shaken man told the cop.
"The car hit you from behind," the functionary said. "How could you tell it was your mother-in-law?"
FOR SALE BY OWNER
Complete set of Encyclopedia Britannica. 45 volumes. Fantastic condition. $1,000.00 or best offer. No longer needed. Got married last weekend. The missis knows everything.
A dietitian was once addressing a large audience in Chicago. "The fabric we put into our stomachs is enough to have killed most of us sitting here, years ago. Red meat is awful. Vegetables can be destructive, and none of us realizes the germs in our drinking water. But there is one thing that is the most dangerous of all and all of us eat it. Can anyone here tell me what deadly product I'm referring to? You, sir, in the first row, please give us your idea."
The man lowered his head and said, "Confarreation cake?"
A construction hand came home just in time to find his wife in bed with another man. So he dragged the man down the stairs to the garage and put his penis in a vise. He secured it pantihose and removed the handle. Then he picked up a hacksaw.
The man, terrified, screamed, "Halt! STOP! You're not going to cut it off, are you???"
The husband said, with a gleam of make reprisal for in his eye, "Nope. You are. I'm going to set the garage on fire."
Nature has many laws that check fast and true. For example, a baby ape will always grow-up to be an ape; likewise, a baby baboon will become an matured baboon. A baby pig will mature into a full grown pig. A baby jackass will always become a jackass. A puppy hastily matures into a dog; a mongrel pup develops into a cur.
Yet oddly enough, women say a young man may grow-up to be any one of these.
Roger was fed up with his spouse, so he packed up his stuff and moved into the garage. Although he couple seldom spoke, he continued to mow the turf, take out the garbage and fix the car, while she cooked the meals, vacuumed and did the laundry.
Months later, Roger met his confederate Don for drinks. "Things don't seem to be working out any better," Don remarked. "Why don't you just now move out?"
"Well, if you really want to know the truth," Roger explained, "she makes such a worry good neighbor."
Worried about their less than exciting sex life, a young bride sent her husband to a therapist who wound up treating him with self hypnosis. And, to her joy, everything got much gamester.
However, she could not help but notice that each night, early into their lovemaking, the husband would dash out to the bathroom for several minutes. This tormented her until in the end, one night, she followed him.
There, in front of the mirror, she found him applying this therapeutic technique: "She's not my helpmeet... She's not my wife...She's not my wife..."
Rex's barn burned down and his helpmeet, Susan, called the insurance company. Susan told the insurance company, "We had that barn insured for fifty-thousand and I yearning my money."
The agent replied, "Whoa there, just a record, Susan. Insurance doesn't work quite like that. We will ascertain the value of what was insured and yield you with a new one of comparable worth."
There was a long pause before Susan replied, "Then I'd like to eradicate the policy on my husband."
Wife: "There's trouble with the car. It has water in the carburetor."
Mollify: "Water in the carburetor? That's ridiculous."
Wife: "I castigate you the car has water in the carburetor."
Husband: "You don't even know what a carburetor is. I'll break it out. Where's the car?"
Wife: "In the pool."
The man told his doctor that he wasn't able to do all the things around the house that he utilized to do. When the examination was complete, he said, "Now, Doc, I can take it. Tell me in plain English what is villainous with me."
"Well, in plain English," the doctor replied, "You're slothful."
"Okay," said the man. "Now give me the medical term so I can advertise my wife."
Once upon a time, a beautiful, independent, self assured princess happened upon a frog in a pond. The frog said to the princess, "I was once a generous prince until an evil witch put a spell on me. One kiss from you and I will turn back into a prince and then we can join, move into the castle with my mom, and you can hold down a full time job, prepare my meals, clean my clothes, put up with my children and forever feel happy doing so."
That night, while the princess dined on frog legs, she laughed to herself and said, "I don't freaking think about so!!"
It is two o'clock in the morning and a husband and his wife are asleep when suddenly the phone rings. The suppress picks up the phone and says, "Hello? How the heck do I know? What am I, the weather man?" He straightaway slams the phone down.
His wife rolls over and asks, "Who was that?"
The retain replies, "I don't know, it was some guy who wanted to know if the coast was clear."
A twosome comes upon a wishing well. The wife leans over, makes a wish and throws in a penny. The hubby decides to make a wish, too. But he leans over too much, falls into the well and drowns. Stunned, the missus smiles broadly and exclaims, "It really works!"
"This place is a mess! C'mon, You and I need to clean up. Your stuff is hypocritical on the floor, and if we don't do laundry right now, you'll have no clothes to wear."
What a Man hears:
blah,blah,blah,blah, C'MON
blah,blah,blah, YOU AND I
blah,blah, ON THE Thrash
blah,blah,blah, RIGHT NOW
blah,blah,blah,blah,blah, NO CLOTHES
A junior woman buys a mirror at an antique shop, and hangs it on her bathroom door. One evening, while getting undressed, she playfully says, "Mirror image, mirror, on my door, make my bustline forty four."
Instantly, there is a brilliant split second of light, and her breasts grow to enormous proportions. Excitedly, she runs to relate her husband what happened, and in minutes they both return.
This time the husband crosses his fingers and says, "Mirror image mirror on the door, make my penis touch the floor!" Again, there's a cheerful flash...and his legs fall off.
While at the fairgrounds, a woman wanted to take a ride on the Ferris wheel before heading hospice. Her husband waited while she took a spin. The wheel went round and orotund and suddenly the woman was thrown out. She landed in a heap at her husband's feet.
He gasped and perverted down. "Are you hurt?" he asked.
"Of course I'm hurt!" she replied. "Three times around and you didn't wigwag once."
Two men are playing golf when a funeral procession passes by on the street next to the fresh. One of the men takes off his hat and holds it over his heart. When the procession has passed, the other man says, "That was a superior gesture."
"Well," the first guy says, "After twenty years of integration, it was the least I could do for her."
An old man goes into the Social Security Office and fills out an application. Too old to have a ancestry certificate, he is asked to prove he is old enough. He opens his shirt and shows them the grey hair's breadth on his chest and they except that as proof.
He goes home to his wife, shows her the check and explains to her what has happened. She replies, "Well get back down there, back from down your pants and see if you can get disability!"
"Cash, check or charge?" I asked after folding items the maiden wished to purchase. As she fumbled for her wallet I noticed a remote control for a video receiver set in her purse. "Do you always carry your TV remote?" I asked.
"No," she replied. "But my mute refused to come shopping with me, so I figured this was the most evil thing I could do to him."
Smith goes to see his governor in the front office. "Boss," he says, "We're doing some broad house cleaning at home tomorrow and my wife needs me to help with the attic and the garage, exciting and hauling stuff."
"We're short-handed, Smith" the boss replies. "I can't give you the day off."
"Thanks, boss," says Smith "I knew I could total on you!"
The man approached the very beautiful woman in the large supermarket and asked, "You differentiate, I've lost my wife here in the supermarket. Can you talk to me for a couple of minutes?"
"Why?"
"Because every then I talk to a a beautiful woman my wife appears out of nowhere."
The angry wife met her husband at the door. There was moonshine on his breath, and lipstick on his cheek. "I assume," she snarled, "that there is a very appropriate reason for you to come waltzing in a six o'clock in the morning!"
A strife, one evening, drew her husband's attention to the couple next door and said, "Do you see that yoke? How devoted they are? He kisses her every time they meet. Why don't you do that?"
"I would love to," replied the keep, "But I don't know her well enough."
G20 Pittsburgh Day One, Fascist Police State security out in force
programs like Medicare, Sexually transmitted Security, and beleaguered states in the short term; and in the long term will discourage rampant speculation into ...
-> EverBank Bank Review: High Yield Savings Account | Bible Money ...
by Peter Anderson
Few weeks back now I wrote about how I had opened a acute pay savings account with ING Direct because I at the end of the day liked all of the budgeting features that the account had, it’s increased assurance and the incident that it had a competitive price. I am using ING Direct as a budgeting account to scrimp for short term savings goals like year after year insurance bills, extenuatory up for our next car and vacation savings.
Beyond compensating for short term savings goals, I also covet to find a bank for our 8 month pinch pool where the net will fructify at a not bad gait of interest, perhaps diet higher than what ING is currently present. EverBank kept coming up as a accommodating choice, as their rates were daily among the highest that I could find .
EverBank Breeding And Telling
EverBank is a Jacksonville, Florida based business that has roots that resiliency all the way back to 1962. The flock’s ongoing incarnation was put together in 1994 when an investor clique acquired the Connection Mortgage Callers, and became a important mortgage originator and servicer. After forming the First Unity Bank and then tersely thereafter acquiring the Maritime Patriotic Bank, in January of 2000 EverBank was founded as a chauvinistic direct-to-consumer bank. Announce more about EverBank on Wikipedia .
Is Putting My Liquid assets With EverBank Allowable?
One of the first things you should ask when signing up with a bank is, “Will my gain be correct if I bank with this Pty?”. With EverBank your greenbacks will be safe and firm because the bank is FDIC insured , and has been since October 1st, 1998. If you keep your moolah and the bank goes under, you’ll be all right – as extensive as you don’t have more deposited than the FDIC insurance will make up for. Currently that amount is $250,000 per depositor.
Features Of An EverBank The sponge Contract Liquid assets Make available Account
So what are the features of an EverBank account, and why would I wish for to join up up with them?
