Health Insurance
This Is Not My Real Name asked:


I am a dependant on my mother’s health insurance from her employer. Recently I was sent a mail requesting a proof of enrollment to show that I am indeed a full-time student. I put in a proof of enrollment that I am taking the 12 units in college, plus I also sent a copy of my schedule for this semester.

Today I get a letter saying that my insurance has been terminated and I am no longer eligible because of my age.

I thought full time students who are 21 and under can still be placed as a dependant? Is there a chance they just didnt receive my mail? If thats so, then why didnt they state that they didnt receive the required proof of enrollment instead of terminating me for my age?

I want to call them but they are closed for the weekend, so any advice from you guys so I know what I am saying when im on the phone with them would be helpful.
Btw it is not grades, I have a 3.5 gpa.
All those telling me to call them up is useless since I already plan to, what I need is any advice on what to say when I do call them on monday, since they are closed for the weekend.

Life Insurance
Amber M asked:


I want to purchace some life insurance just in case.



HOSTS: Marty Nason, Tom McDonald
1) Greeting
2) Dedication: Jim Warren
3) Introduction to TOPIC: “Finances and Cancer”
4) Making a budget
a) Budget before diagnosis (example)
b) Budget after diagnosis (example)
5) Possible Income Sources (Part One)
a) Private Disability Insurance
b) Federal SSDI (Social Security Disability Insurance)
c) Federal SSI (Supplemental Security Income)
d) California’s SDI (State Disability Insurance) Part One



Tamara Howard and her husband were forced to simultaneously fight her cancer and her insurance company, ultimately losing to both:

http://www.kmbc.com/health/18017742/detail.html

Carrying on where Kansas woman can’t at http://www.michaelmoore.com/

Annuity Insurance
Jeff H asked:


My Dad died in July. I now find that he had a few annuity policies. Most insurance that I have seen have a declairation page. These do not have such a page. Is this normal?
The insurance companies are well rated companies.

Is it possible that he bought these and failed to select a payout option?

Please feel free to add any comments on what I need to find in the policies themselves.

Which payout rate or plan is usually best?

The money from these policies will go to my Mom. I do not want a dime from them unless she passes on before we get the insurance co to pay her.

Renters Insurance
Nighthawk21 asked:


What I’m asking is, the original lease that was signed says that the manger strongly urges the tenant to obtain renters insurance, Is it legal for the manager to say that renters insurance is required after the original lease was already signed?