Sentences with phrase «cost of additional insurance»

In the long run, the cost of the additional insurance is very less compared to the actual cost benefits after an accident.

The cost of an additional insurance policy doesn't appeal to everyone, although most carriers offer reduced rates for bundled coverage packages.

Not exact matches

thanks, and yes, a pittance of a pension and regular checkups keep us on budget and head off any problems — best decision i ever made (financial or otherwise) was serving our country doing search - and - rescue, oil and chemical spill remediation, etc. (you can guess the branch of service)-- along the way, frugal living, along with dollar - cost averaging, asset allocation, and diversification allowed us to retire early — Vanguard has been very good over the years, despite the Dot Bomb, 2002, and the recession (where we actually came out better with a modest but bargain retirement home purchase)... it's not easy building additional «legs» on a retirement platform, but now that we're here, cash, real estate, investments and insurance products, along with a small pension all help to avoid any real dependence on social security (we won't even need it at full retirement age)-- however, like nearly everybody, we're headed for Medicare in several years, albeit with a nice supplemental and pharmacy benefits — but our main concern is staying fit, active, and healthy!

The analysis does not include an additional cost of the legislation: its repeal of the individual mandate, which the Congressional Budget Office estimates could cause as many as 13 million fewer people to have health insurance, reducing federal spending for poor and middle - class Americans» health insurance by $ 338 billion over 10 years.

A: The insurance portion of the fee is 1.5 % and is made up of additional insurance costs we incur for higher property insurance rates.

«Without understanding if associates are going to be compensated for gas, additional insurance costs, wear and tear on our cars and the potential risks of delivering packages, this program could be creating problems for associates,» said Cynthia Murray, a Walmart employee in Laurel, Md., who leads the Organization United for Respect Walmart, a workers» activist group.

Also referred to as PMI, private mortgage insurance is an additional cost that can increase the size of your monthly payments.

Just realize that most of these loans require additional insurance, and the cost of this insurance is borne by the borrower.

However, given the complexity of the policy, the additional costs correlated with permanent life insurance policies, and the potential to lose the entirety of the account's cash value, it's not recommended if your primary intent is to provide financial coverage in the case of your death.

Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.

Remember that additional costs of providing a new service is passed on to all subscribers of that insurance policy across the board.

In other words, a catholic who does not believe in using contraceptive has to pay additional insurance costs to cover the added benefit of providing contraceptives.

Costs for providing additional services like contraceptives will be passed on to ALL consumers of the insurance policy, whether they use contraceptives or not.

So the parents are out that cost, plus the $ 800 - $ 1000 fee the midwife charges if there is a transfer (if the midwife collects fees from insurance, she will charge a fee for «emergency transfers» which insurance companies don't cover, it's out of pocket) PLUS if the woman wants the midwife to stay with her after she transfers to the hospital that is an additional $ 750 fee (the midwife will act as a doula for the woman)

If a healthy woman prefers a midwife - led hospital birth, she is charged a co-payment of approximately $ 300 (US$ 410) for the additional cost of the hospital stay, a charge that some, but not all, insurance plans cover.

Even though Amazon doesn't offer any discounts in regards to the overall cost of the Dream On Me Karley Bassinet, the online retailer does offer yearly protection plans that function as additional insurance on top of the manufacturer's warranty that comes with the product in the first place.

If approved, the health taxes in the Deficit Reduction Plan and Executive Budget will drive up the cost of health insurance for all Business Council member employers that purchase health coverage — from sole proprietors and small businesses to the largest self - insured companies — yet will provide no additional covered benefits or have any effect on addressing the rising cost of health care.

De Blasio projected that 200,000 people who use the city's public hospitals would lose insurance under the bill, which would force taxpayers to pay those costs and result in hundreds of millions in additional deficits for the city hospital system.

The Educational Conference Board, a coalition of school boards, teachers unions, and school administrators, say the state's schools need and additional $ 1.5 billion next year just to keep up with rising costs like health insurance premiums and pensions.

Cuomo said the law now requires insurance coverage of screening - associated costs, support services and breast cancer screening centers to be open an additional four hours a week, after 5 p.m. or on weekends.

The Educational Conference Board, a coalition of school boards, teachers unions and school administrators, said the state's schools need an additional $ 1.5 billion next year just to keep up with rising costs like health insurance premiums and pensions.

Cuomo said the law now requires insurance coverage of screening - associated costs, support services and breast cancer screening centers to be open an additional four hours week, after 5 p.m. or on weekends.

If approved, the health taxes in the Executive Budget will further drive up the cost of health insurance for all Business Council member employers that purchase health coverage yet will provide no additional covered benefits or have any effect on addressing the rising cost of health care.

The Educational Conference Board, a coalition of school boards, teachers unions, and school administrators, say the state's schools need an additional $ 1.5 billion next year just to keep up with rising costs like health insurance premiums and pensions.

The bi-weekly deduction cost for this additional life insurance is based on age and amount of coverage.

«ASCL urges the STRB to press the DfE to fully fund pay rises so that the government meets the additional costs rather than again expecting them to be met from existing school budgets which are already under huge pressure because of unfunded increases to employers» contributions to teacher pensions and National Insurance costs.»

«It's worrisome,» said John Musso, the executive director of the National Association of School Business Officials, based in Reston, Va. «If [the cost of] bond insurance goes up significantly, that translates into additional costs for the district, which translates into additional costs to the taxpayers.»

A 2.25 percent cost - of - living raise and an additional $ 50 per month toward health insurance would start in September.

Schools are facing greater pension and national insurance costs, plus additional pressures from the apprenticeship levy, mean the majority of schools stand to lose more than they will gain.

Our primary interest is in ensuring that you benefit from our range of vehicle insurance options, and that you are made aware of how we have developed these products to include certain Assist Services at no additional cost to you.

The locally assembled Ssangyong Actyon with automatic transmission goes for RM 91,989.20 for private registration exclusive of insurance, which costs an additional RM 2,627.90 for an insured value of RM 91,000 and also a further RM300 for front windscreen insurance.

With dental insurance, it's the opposite: the insurance company pays for semi-annual cleanings, xrays, and other costs up to a certain annual maximum dollar amount (usually a very low amount, in the $ 1,000 to $ 2,000 range), after which you pay for everything out of pocket (or wait until the following plan year for the additional care).

The average apartment fire costs tens of thousands of dollars in personal property losses, and often thousands of dollars in additional living expense, both of which could be avoided by having renters insurance in Carbondale.

Some feel that they can not afford the additional cost of a renters insurance premium.

Second, help kids top up a down payment to 20 % or more so they don't have to pay the additional costs of mortgage default insurance — about $ 8,777 when buying the average - priced resale home in Canada with a 10 % down payment.

changes in the amount of rental payments to cover additional costs incurred by the landlord because of increases in property taxes, increases in utilities, and increases in property insurance premiums.

The exact wording is below: «Upon thirty (30) days written notice to Resident, Landlord may alter rental payment to cover additional costs in operating the premises incurred by Landlord because of any increase in ad valorem property taxes, charges for the electricity, heating fuel, and water consumed at the property, or increases in premiums paid for liability, fire or worker compensation insurance.

These costs stack up quickly, and while we're grateful that the Red Cross exists, utilizing your additional living expenses coverage on renters insurance helps take some of the strain off that organization so they're able to help more people.

Austin renters insurance generally covers the additional cost of a hotel for a reasonable period of time, as well as additional meal costs.

Most of the Individual Long - Term Disability Insurance Plans come with features that enable the benefits to stay on par with the raise of rates and salary increments, like the cost of living adjustments which will add additional percentage to the benefits every year.

Below are some of the most common ways to save money on homeowner insurance rates in addition to some additional insurance ideas to cut costs.

Even with the additional costs that they represent, you will still save a lot of money by not having to pay the private mortgage insurance premiums every month through the whole life of the loan.

Funeral expense insurance can be used to pay for the cost of the funeral alone, or it can cover additional final expenses such as outstanding medical bills, legal costs, or any other debts that you owe, such as credit card bills.

Pet Health Insurance is a new invention because of the rising cost of medical treatment for our furry family friends but often is not worth the additional expense.

The loss of use portion of your homeowners insurance (coverage D) reimburses you for the cost of additional living expenses when your home... Read More

If you were buying a homeowners insurance policy, you'd have to worry about estimating the replacement cost of the home, whether or not you had additional replacement cost protection, and more.

However, given the complexity of the policy, the additional costs correlated with permanent life insurance policies, and the potential to lose the entirety of the account's cash value, it's not recommended if your primary intent is to provide financial coverage in the case of your death.

Also referred to as PMI, private mortgage insurance is an additional cost that can increase the size of your monthly payments.

Living Benefit included - at no additional cost You will be eligible to receive a compassionate one - time cash advance of up to 50 % of your life insurance coverage if you are diagnosed as terminally ill with 12 months or less to live.3

Accident and Health Premium Acquistion Cost Addendum Addendum to Additional Commitment Affidavit Affidavit of Eligibility ALTA Amortization Amortization Schedule Annual Percentage Rate Application / FNMA 1003 Application for Assistance under Section 235 of the National Housing Act HUD form 93100 Application for Authority to Close Loans on an Automatic Basis (Nonsupervised) VA Form 26 - 8736 Application for Commitment for Insurance under the National Housing Act (HUD) HUD Form 92900 - 1, VA Form 26 -1802-a Application for Home Loan Guaranty (VA) Application for Master Conditional Commitment Application for Property Appraisal Commitment (HUD) HUD Form 92800, VA Form 26 - 1805.