Sentences with phrase «individual policy you purchased»

The insurance coverage varies by who you get it from as well as the individual policy you purchase.

The ACA mandates coverage for pre-existing conditions under health insurance with one exception: grandfathered plans, which are individual policies purchased on or before March 23, 2010 — and only «grandfathered» through next year.

The amount you'll pay for the supplemental coverage could be more than what you'd pay for an individual policy you purchased on your own, especially if you're young and healthy.

Of the total individual policies purchased in 2015, 38 % were term life vs permanent life, which came in at 62 %.

Not exact matches

(a) Schedule 2.7 (a) of the Disclosure Schedule contains a list setting forth each employee benefit plan, program, policy or arrangement (including any «employee benefit plan» as defined in Section 3 (3) of the Employee Retirement Income Security Act of 1974, as amended («ERISA»)(«ERISA Plan»)-RRB-, including, without limitation, employee pension benefit plans, as defined in Section 3 (2) of ERISA, multi-employer plans, as defined in Section 3 (37) of ERISA, employee welfare benefit plans, as defined in Section 3 (1) of ERISA, deferred compensation plans, stock option plans, bonus plans, stock purchase plans, fringe benefit plans, life, hospitalization, disability and other insurance plans, severance or termination pay plans and policies, sick pay plans and vacation plans or arrangements, whether or not an ERISA Plan (including any funding mechanism therefore now in effect or required in the future as a result of the transactions contemplated by this Agreement or otherwise), whether formal or informal, oral or written, under which (i) any current or former employee, director or individual consultant of the Company (collectively, the «Company Employees») has any present or future right to benefits and which are contributed to, sponsored by or maintained by the Company or (ii) the Company or any ERISA Affiliate (as hereinafter defined) has had, has or may have any actual or contingent present or future liability or obligation.

Enacted in 2003 as part of legislation providing drug benefits under Medicare, the tax preference is only available if the individual purchases a high - deductible health insurance policy.

/ VOL.Privacy Policy Terms of Service All material on this website is intended for individuals of legal purchase age.

Had the individual purchased permanent life insurance, he or she could have access to a potentially significant source of supplemental retirement income in the future (depending on the policy type), while preserving the death benefit in perpetuity (note, however, that the death benefit and cash value of a policy is reduced in the event of a loan or partial surrender, and the chance of lapsing the policy increases).

The «individual mandate» to purchase a health insurance policy is not the only affirmative mandate brought on by Obamacare.

These findings have important policy implications because individuals in the higher - consuming clusters were more likely to have signs of alcohol dependence, report lower health satisfaction, enjoy alcohol ads, and have purchased alcohol late at night.

By Ola Szczesna, Research and Policy Director, Massachusetts Parents United The mass school shooting in Parkland, Florida involved one unstable individual who used a legally purchased AR - 15 rifle to shoot and kill 14 high school students and 3 staff members.

This last objective arguably is its most important because individual suppliers, no matter how large, take tremendous risks by speaking out about delicate topics, such as an auto maker's heavy - handed purchasing policies.

New, used, and refurbished products purchased from Marketplace vendors are subject to the returns policy of the individual vendor.

(Small businesses may wish to consider purchasing life insurance policies for key individuals, such as an owner or top employee, to help prevent financial distress if that person were to die.)

Not only do LGBT workers now have the option of purchasing voluntary life insurance on their spouse through a group policy, but purchasing individual life insurance got easier too.

As you can see, there are many questions to ask yourself when considering the purchase of an individual life insurance policy.

Because most employer - sponsored life insurance policies are only valid as long as you are employed there, it is a good idea to look into purchasing an individual life insurance policy outside of your group plan.

Employees can purchase individual policies and pay the premium through payroll deduction.

Lenders purchase individual mortgage insurance policies for homeowners with loans for more than 80 % of the value of their homes.

This option not only allows two individuals to be insured on the same whole life insurance policy, but it also typically has a lower amount of overall premium cost than will purchasing two separate life insurance policies of corresponding value.

You'll need some personal details of the insured individual including the full name (maiden name for a married individual), Social Security number and the state where the policy was purchased.

To include pricier items in your policy, you may need to purchase additional coverage called riders for individual items, or standalone policies, like jewlery insurance.

But the biggest difference is that universal coverage provides the insured with more choices and options for customization so that the policy better fits the needs of the purchasing individual.

If you're a financially savvy individual who likes making your own investment decisions and is able to contribute to savings and investment accounts then it may be better to purchase a term life insurance policy and invest the difference.

For certain individuals, it may be more prudent to purchase a term life insurance policy with lower premiums for a fixed amount of time and take the difference in savings between the two policies and invest in different types of stocks, bonds and mutual funds which may lead to higher returns and a more diversified portfolio.

Although you may purchase your own individual disability insurance policy, most Canadians are provided coverage by either their employer or government programs.

Each renter should consider purchasing their own individual renters insurance policy to ensure all tenants of a rental home or unit are effectively insured.

Since using a joint last - to - die life insurance policy can accomplish all the estate planning goals listed above, it's safe to say that it is a better option than purchasing two separate individual policies, especially considering the difference in cost.

Imagine an employee who purchased an individual disability insurance policy and also has group benefits at work.

After all, it wouldn't make sense to purchase a joint last - to - die policy if two individual policies can pay out a death benefit twice and have a lower premium.

«Hopefully their employer provides decent group disability insurance, but if not they should purchase an individual policy.»

To avoid these penalties in 2018, taxpayers may enroll in a health insurance plan on the marketplace by Dec. 15, purchase an individual health insurance policy or enroll in their employer's health insurance plan.

Optional riders that customize a policy to fit individual needs usually carry an additional charge and are only available through the purchase of variable universal life insurance products.

For example, if an individual purchased a policy on July 1 and made payments on a monthly basis, he would claim a credit in the current taxable year for 6 months of premiums and a credit in the second year for the next six months of premiums in order to reach the allowed total of 12 months.

When an individual purchase a dividend paying whole life policy, a portion of their premium covers the cost of insurance and a portion goes toward the cash value (CV).

Be sure to review an individual seller's return policy before making a purchase.

For individuals wanting Short Term Travel Insurance under 12 months, please go to the Travel Insurance page for online policy information and even the ability to purchase protection on - line using a secure server!

If you employ such an individual, you may want to purchase a business - continuation insurance policy addressing a written buy - sell agreement that life insurance would fund.

Certified R2 refurbishers have a product return policy (which individual sellers of used electronics don't offer), and some of them offer warranties for up to a year after purchase, so you're not stuck with a lemon.

For example, in the respect of personal articles, the individuals who act as the purchasing agents and carry the goods from overseas to mainland China, the personal articles for taking advantage of the preferential tariff policies become the targets hit by Chinese Customs; while in the respect of the goods, the Customs enhanced the audit against the loyalty payment made by the importers to the exporters in the auto industry.

Chronic Fatigue Litigation Chronic Fatigue insurance claims disputes are often related to the entitlements listed in a long - term disability insurance policy that has been purchased by an employer or the individual.

The more you travel, the more value you recoup with an annual plan vs. purchasing individual travel insurance policies for each trip.

Individual life insurance policy purchased by the business owner on behalf of select key employees.

If, for instance, an individual does not feel that the pre-need coverage will be enough to pay for their services, then purchasing a burial insurance policy can be helpful in covering the difference in price.

Affordability — Second - to - die policies are, on average, 25 - 40 % cheaper than purchasing a policy on just one individual.

Most companies offer term life at rates that enable individuals to purchase policies with bigger face values that they could otherwise afford.

Total Future Income Purchases For individuals who funded the Future Income rider on a variable annuity policy, the total amount of voluntary deductions from the Variable Accumulation Value used to purchase Future Income Payments.

Additionally, some individuals purchase cancer insurance as a secondary insurance policy.

When group coverage and traditional individual disability insurance don't provide enough coverage, the high - income professional can purchase a supplemental disability insurance policy.

For example, with a pre-paid funeral plan — also often referred to as pre-paid funeral insurance — an individual will purchase a life insurance policy to cover their funeral costs.