#insurance services'

[digital288]

Enjoy specialized coverage designed for Miyapur's residents and urban commuters

[theeretblr]

I am holding so much gender in my hand right now

I'm not starting them just yet, there are some tests and fertility preservation things I've got to do first, but I now have Estrogen! I've been debating getting this for like 4-5 years, I may decide it's not for me after I start. I am still genderqueer/genderfluid and I still use any pronouns. I'm not taking T blockers yet either. We'll see how it goes! :)

If you are wanting to start HRT, I highly recommend Folx. I signed up with them, booked an appointment with a Doctor, and had a prescription for Estrogen within a week! Check them out: https://www.folxhealth.com/

[chubbychiquita]

i want to return to my carefree roots in 2025, permastoned, softening, playing video games, in a manageable amount of credit card debt to uber eats, sharing fun facts about survival cannibalism and the american revolution

[anthropoetics]

someone pushed my mom on the bus and she chipped her tooth on the bus handle. she went to the er and they basically sent her away with pain medication, telling her she had to see the dentist (that's a two month wait). she says she's in no pain, but her lips and mouth are contantly bleeding and everything she eats tastes like blood, so if you can help me, please. i've sent her everything i have saved (which is basically nothing given the fact that i just got a job), she's going to the dentist in two hours, but we still don't have enough to pay him (which he kindly agreed to do what's necessary even if we don't have the money now). if you can help us with anything, please.

my p*aypal is ianalsvn@gmail.com

[cuubism]

job that doesn't exist (as far as I know?) but should: hiring people who love to argue to debate difficult corporations on your behalf

[mostlyghostlyy]

I was thinking about the whole “I know you’re not afraid of the dark” line so much recently tbh. Do you think you could write something about Dale and an s/o that IS afraid of the dark? I feel like it would give him an extra excuse to be extremely clingy at night (and also just thinking about how he’d probably mock/tease her about it 🤭)

I fucking love the way he says that line. It's so sexy and mocking. it's just perfect 🥰

I think any fear or phobia his S/O has can go two ways.

1.) He goes out of his way to keep you from getting scared. Dale wants to feel manly and protective, so he'll try his hardest to make you feel safe.

Or 2.) He wants you scared (or at least a little creeped out). Dale loves it when you cling to him. Hiding your face in his chest, relying on the security he provides. It's intoxicated that you trust him so much. Any time you're scared, he'll coo and hug you close. Reassuring that he'll care for you, and nothing bad will happen.

Being afraid of the dark is probably something he'd tease you about. There are WORSE things to be afraid of, but Dale mostly finds it cute. Pinching your cheeks and mocking every time you jump or get unsettled in the dark. He'll tuck you under his arm, nice and snug.

Dale will take any chance he can get to be extra clingy. Push him off, and he's like, "Babe! Remember, there are monsters in the dark! I gotta keep you safe!" And scrambles back on top of you. Head resting firmly on your chest. He'll demand that you play with his hair as a reward. Tell him how safe you feel around him, and he's beaming with pride.

[getitdonetrafficschool]

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[digital288]

Comprehensive Guide to Group Term Life and Group Credit Life Insurance

1. Introduction

1.1 Overview of Group Insurance

Definition: Insurance designed for groups, providing financial protection to members.

Types:

Group Term Life Insurance

Group Credit Life Insurance

Group Health Insurance

Group Personal Accident Insurance

1.2 Importance of Understanding Group Term Life and Group Credit Life Insurance

Financial Protection: For individuals and their dependents.

Business Continuity: For employers, ensuring uninterrupted operations.

Regulatory Compliance: Understanding these insurances helps in complying with regulatory requirements.

2. Group Term Life Insurance

2.1 Definition and Purpose

Definition: A type of life insurance covering a group of people for a specified term.

Purpose: Provides a death benefit to the beneficiary if the insured dies during the term.

2.2 Key Features and Benefits

Term-Based Coverage: Coverage is only for a specified term (e.g., 1-30 years).

Death Benefit: Paid to the beneficiary if the insured dies during the term.

No Cash Value: No savings component; purely protection.

Convertible: May be convertible to a permanent life insurance policy under certain conditions.

Benefits:

Financial Protection for Beneficiaries

Tax Benefits: Premiums may be tax-deductible for employers.

Simplified Underwriting: Often, less stringent underwriting requirements.

2.3 Types of Group Term Life Insurance

Level Term Insurance: Equal premiums throughout the term.

Increasing Term Insurance: Premiums increase with the insured's age.

Decreasing Term Insurance: Premiums decrease over the term.

Convertible Term Insurance: Can be converted to a permanent policy.

2.4 Eligibility and Enrollment Process

Eligibility: Typically, groups with a minimum number of members (varies by insurer).

Enrollment: Employers can enroll their employees; individuals can also purchase through associations or groups.

Required Documents:

Group Information

Member Details

2.5 Claims Process for Group Term Life Insurance

Notification: Inform the insurer of the insured's passing.

Documentation: Provide required documents (e.g., death certificate).

Payout: Death benefit is paid to the beneficiary.

2.6 Common Exclusions and Limitations

Pre-Existing Conditions: May be excluded or subject to a waiting period.

Suicide Exclusion: Typically, a one-year exclusion from the policy commencement.

War and Terrorism Exclusions: May be excluded, depending on the policy terms.

3. Group Credit Life Insurance

3.1 Definition and Purpose

Definition: Covers outstanding loan balances if the borrower dies or becomes disabled.

Purpose: Protects lenders from non-payment due to borrower's death or disability.

3.2 Key Features and Benefits

Outstanding Loan Balance Coverage: Covers the loan amount if the insured can't pay due to death or disability.

Disability Benefit: May be included to cover loan payments if the borrower becomes disabled.

Term-Based Premiums: Premiums are paid for a specified term.

Benefits:

Protection for Lenders: Ensures loan repayment in case of borrower's death or disability.

Financial Relief for Borrowers: Reduces the burden of loan repayment upon death or disability.

3.3 Types of Group Credit Life Insurance

Single Debt Coverage: Covers a single loan.

Multiple Debt Coverage: Covers multiple loans under one policy.

Group Disability Rider: Additional coverage for disability, often available as a rider.

3.4 Eligibility and Enrollment Process

Eligibility: Borrowers with outstanding loans (varies by lender/insurer).

Enrollment: Lenders/insurers offer this coverage to borrowers.

Required Documents:

Loan Details

Borrower Information

3.5 Claims Process for Group Credit Life Insurance

Notification: Inform the insurer/lender of the borrower's death or disability.

Documentation: Provide required documents (e.g., death certificate, proof of disability).

Payout/Settlement: Loan balance is paid/settled according to the policy terms.

3.6 Common Exclusions and Limitations

Pre-Existing Conditions: May be excluded or subject to a waiting period.

Credit Score Requirements: Borrowers must meet minimum credit score requirements.

4. Comparison of Group Term Life and Group Credit Life Insurance

5. Tips for Choosing the Right Group Insurance

5.1 Assessing Your Needs

Group Size and Type

Financial Goals and Objectives

Risk Tolerance

5.2 Understanding Policy Terms

Coverage Period

Premium Payment Terms

Exclusions and Limitations

5.3 Evaluating Insurers

Reputation and Stability

Claims Settlement Ratio

Customer Service

6. Glossary of Terms

Insurer: The company providing the insurance policy.

Insured: The individual or group covered by the policy.

Beneficiary: The person receiving the policy benefits.

Term: The specified period of the policy coverage.

Premium: The amount paid for the insurance policy.

7. Additional Resources

Insurance Regulatory and Development Authority (IRDA): For regulatory guidelines and updates.

Insurance Provider Websites: For detailed policy information and purchases.

Financial Advisors: For personalized advice on insurance and financial planning.

8. Conclusion

Group Term Life Insurance and Group Credit Life Insurance: Two essential insurance types for groups, providing financial protection and ensuring business continuity.

Understanding Your Needs: Crucial for making informed insurance decisions.

Expert Advice: Consult with insurance professionals to tailor insurance solutions to your needs.

[somethingusefulfromflorida]

I saw a doctor on December 9th. I owed $1.00 as my co-pay and was told on multiple occasions (before and during the appointment) that they accepted my insurance plan and the visit would be fully covered. On January 1st I lost my insurance because I was unemployed for much of 2024 and no longer qualified for a tax credit that made my plan free, and on the 27th I got a bill for $280 saying I never paid for my visit. I was covered at the time of the visit, and they told me that uncovered visits only cost $170 so I have no clue where they got $280 from. I called both the office's billing department and my former insurance provider to inform them of this. The date of service was covered, so the bill is not my responsibility, but on March 30th I got an identical bill saying my payment was almost four months overdue. Last week I mailed a physical letter to the company that owns the doctor's office and informed them for a second time, in writing, that they fucked up, they could feel free to hash out the details with my provider like they should have done in December, and I'm not paying for a service they told me to my face I didn't have to pay for. Well, they must have gotten it because yesterday they left me a voicemail saying they had sent the bill to a collection agency.

Good luck, fuckers. I have no assets and no wages to garnish. The debt is worthless, pennies on the dollar, so they're gonna waste more money hounding me than they'd ever get for it.

[justinspoliticalcorner]

Chris Geidner at Law Dork:

The U.S. Supreme Court is likely to reject an argument pressed by a key conservative lawyer on Monday that would end existing preventative care insurance coverage protections put in motion by the Affordable Care Act. At the same time, however, that outcome in the case would likely empower the secretary of the Department of Health and Human Services to press for changes in the protections if the secretary so chooses — an area of concern given HHS Secretary Robert F. Kennedy Jr.’s positions and actions in office already. Under the ACA, among other preventative care requirements, insurance providers must include cost-free coverage for services that get certain positive recommendations from the U.S. Preventative Services Task Force. Employers who don’t want to provide insurance that covers care they oppose on religious grounds sued and argued at the Supreme Court that the task force members are unconstitutionally appointed because they weren’t nominated by the president and confirmed by the Senate — an argument accepted by the U.S. Court of Appeals for the Fifth Circuit.

That argument, that task force members are “principal” officers under the Appointments Clause, would not only toss out coverage protections for the care the employers oppose — PrEP coverage (an HIV-prevention drug regimen) and certain contraceptive coverage — but all of the recommendations of the task force, including certain cancer and mental health screenings. Jonathan Mitchell, the former solicitor general of Texas who was behind Texas’s S.B. 8 vigilante enforcement abortion ban, is behind the litigation and argued for the employers on Monday that the task force — created during the Reagan administration — has been operating unconstitutionally since the passage of the ACA made its recommendations a part of the law’s coverage requirements.

The government, however, has responded that Mitchell and the employers, as well as the Fifth Circuit, are twisting the law to force the issue. Because the Health and Human Services secretary can remove the task force members at will and has additional authority to review their recommendations, they argue that the task force members are “inferior” officers and, thus, their appointments are constitutional. And while the Biden administration had been defending the task force, the new Trump administration continued to defend the task force when the administration changed over. If that wasn’t already enough of a sign of the extreme nature of Mitchell’s position, Monday morning’s arguments cemented that.

Much of the case, as it reached the Supreme Court, comes down to what the law’s reference to the “independen[ce]” of the Task Force means, as well as language that its recommendations are to be free of “political pressure” — “to the extent practicable.“ Before Mitchell could even get to the podium, however, Justice Amy Coney Barrett — in discussing the case with DOJ Principal Deputy Solicitor General Hashim Mooppan — was referring to the Justice Department’s argument as the “middle-of-the-road“ position and Mitchell’s argument as the “maximalist” argument. Once Mitchell did take the podium, Justice Elena Kagan repeatedly questioned Mitchell’s selective approach to the statutes at issue — an argument that Justice Ketanji Brown Jackson later called “circular.” Noting that Mitchell is arguing, in effect, that the court construe the statutes as creating an independent agency in the task force, Kagan dryly pointed out, “[W]e don't go around just creating independent agencies. More often we destroy independent agencies.”

[...] The end result of the case on appeal in Kennedy v. Braidwood Management is likely one in which the task force’s role under the ACA remains — because the HHS secretary can fire the members and exert other review-related control over its actions. Given that, however, the concerns that prompted initial opposition to the lawsuit due to its attacks on PrEP coverage and certain contraceptive care coverage are not likely to go away altogether. Instead, advocates who fought this lawsuit very well could need to focus on a new front should Kennedy back political efforts to change the task force’s membership and recommendations — and, with it, coverage protections.

In Kennedy v. Braidwood, SCOTUS is likely to reject Jonathan Mitchell’s reasoning on U.S. Preventative Services Task Force preventative care protections. However, should SCOTUS reject Mitchell’s challenge, Robert F. Kennedy Jr. could press for preventative care protection changes.

[benjaminallhope-fulltimemind]

All it took was real physical action for these people to cry out for reform, had Brian Thompson not been killed these media outlets wouldn't even dare utter a word of reform.

[dungeonsanddragonsfifthedition]

i keep thinking i'm overreacting to what's happened to me lately but nah. i had a dangerous medical emergency and it took serious effort on my part to get treated properly for it. i'm allowed to feel insane. know your own body and know that it is not regular to feel like your body is shutting down on you.

medical self-advocacy needs to be taught in schools. so many disabled people myself included are forced to learn it on our own! is my argument i want to make. the only reason i am not seriously sick anymore is because i emailed all of my specialists with URGENT in the subject line instead of just accepting the emergency room telling me i had a migraine.

[us-the-voices-and-more-voices-2]

still so incredibly, incredibly, pissed and angry about the NDIS changes.

people are already dying, important things are already canceled, what the fuck was the point?

save a couple billion dollars?

okay? now people are dead what was the point again?

it's not going to help people like me who SHOULD be on the NDIS for support and life shit.

(hi I suffer from post-covid! and severe debilitating asthma! not to mention learning disabilities that make things incredibly inaccessible to me because the government THEMSELVES don't make shit accessible!!!!!)

(I live in hell YAY!/j)

not to mention all the people on the waiting lists who are literally straight up dying, we already have mortalities!!!!!!

WE'VE HAD MORTALITIES FOR YEARS!!!!

we've only had the NDIS since 2013, I grew up without support from the NDIS because well I was born in the 2000s lol and it took a solid few years after that for it to work out some kinks and by the time it ended up being okay as a thing I had been disabled for 10 years and had 0 supports lol, and my family had been paying out of pocket.

also like my entire family didn't have any disability supports before me either, no one had them in those days, no one in the old country we only really got anything literally in 2018-2019 for one of my bisnonni THAT'S HOW BAD THE NDIS IS BTW.

at the very least she had a carer for some time, but it was not even a possibility for such a long time.

that again, one of my other bisnonni was completely fucked over, same problems effected her even worse in her own right.

(NDIS actually care about old people challenge: FAILED)

ALSO imagine having rights! hahahahahah.

(actually sobbing rn. most of us DO NOT, we are payed less then abled people!!!!)

I am bitching and moaning everyday, because I'm not stupid none of us are, even us stupid people (ily fellow learning disabled ppl and intellectually disabled ppl) we have been greatly fucked over for decades and decades, and still with the bare fucking minimum shit it gets snatched or abused or we get scammed.

it's fucked, it's so, so, fucked.

medicare doesn't cover optical, dental, or a shit ton of other things.

the government straight up hates us all, I can not tell you the amount of bullshit I've been through, the ableism is intense!!!!! it's why I got so good at masking my very obvious learning disabilities fuck all of us for real.

like, the depression and STRAIGHT UP FEAR!!!

dude, fucked up shit.

I have so so many stories, I can't even begin to tell you.

honestly shame on 'em, I'm using my newfound free speech to bitch and moan.

because like, I do not genuinely think half the things that allow me to bitch and moan about being disabled was a thing when I was a kid, like genuinely!

honestly I wish international disabled allies could idk join in and be angry with us, we have all been through hell.

and it's fucked.

[danmeichael]

me trying to get my insurance to pay for a fursuit: it'd actually be way less expensive to you in the long run, and i think that being a soft squishy fluffy doggy would have more benefit to my mental health than traditional theraputic practices

[capesandshapes]

Actually have I gotten really into the whole "my cousin is a part of a Facebook group that voted for Trump as a collective because they believe that JD Vance will gather a list of single women past the age of 22 and have a department dedicated to personally assigning each of those women to a government husband who has performed qualifying acts of government service, whom she will be forced to serve until her dying day" thing because like

It's really fucking weird, I'll be honest.

I do have to repeat that we think he has a lot of undiagnosed traumatic brain injuries from playing football in college, and he can't tell you anything about the games he played because he 'blacked out and went beast mode" and like no one really knows what that means

He digs holes for fences and light posts now, though.

[creepyscritches]

Love my job, love my company. I only work ACA, and it is so nice that our megaphone to thousands of employees is "The patients are the point. The people are the purpose!!! If we do our job with purpose, things get better for tens of thousands of people!!!!"

I don't share my employer for a few reasons, but it is very reassuring to know we are not unusual in ACA spaces. I highly encourage you to scrutinize your options as heavily as you see fit. Good options are made to withstand your investigation bc good options want you to have agency in your care and confidence in your health literacy! Marketplace options change state to state, year to year - - check what your options are this year!