Life Insurance Forms – Index UL, Guarantee UL, Term – Whole #personal #injury #claim


combined life insurance claim forms

Life Insurance Forms

Browse Genworth’s collection of life insurance forms. Once you locate the appropriate form, download and complete in full. Please print out, sign and return it to the address found directly on the life insurance form. If you have not already done so, please download Adobe Reader ® to view the forms.

Are you looking for one of these forms?

These are the top three most downloaded life insurance forms. We’ve listed them here for your convenience. If the form you are looking for is not one of these three, all other life insurance forms available online are listed on this page, below.

Beneficiary Change Form

Genworth’s life insurance forms will assist you with making changes to your index universal life, guarantee universal life, term life insurance and whole life insurance accounts. These forms will help you conduct life insurance authorizations, requests, name/address change, naming a beneficiary and other updates.

Address, name and third party changes
Submit address or name changes for yourself or other parties on your policy, or to add, change or delete a third party listed on your policy to receive billing notices (for use with Life Insurance policies only).

Agent Change Request
Use to request a change to the Servicing agent on your policy(ies).

Allocation and Transfer Change Form for Index UL Products
Information must be completed and received by the 1st of the month to process allocation changes on the 15th of the month. Available for Index UL products only.

Authorization for third party to receive information
Use when authorizing a third party to receive information about your policy. The authorized person will be required to provide appropriate security verification for any phone requests for information.

Certification of trustee powers
Required to show signing authority for contracts owned by a Trust for Genworth Life and Annuity Insurance Company, Genworth Life Insurance Company and Genworth Life Insurance Company of New York.

Collateral Assignment
Use when assigning policy proceeds to cover a loan (i.e. bank loan)

Declaration of attorney-in-fact (for use with Life Insurance and Annuities only)
Required to show signing authority for an Attorney-in-Fact acting under a Power of Attorney for the policy or contract owner. For use with Life Insurance and Annuities only.

Duplicate contract authorization
Request a duplicate copy of a lost or destroyed policy or contract.

Electronic funds transfer (EFT) – Premium Renewal
Request automatic withdrawals from your bank account to pay premiums on life or long term care insurance policies, or to update bank account information for policies already drafting premiums.

Beneficiary Change Form
Request beneficiary changes on any life insurance policy. If change of ownership and beneficiary is needed please use the Ownership and beneficiary designation request form applicable for your state (listed below).

Index Universal Life withdrawal, loan or surrender request
Used to request the following transactions on your Index Universal Life insurance policy: one-time withdrawal or loan, recurring withdrawals or loans, loan type switching, or full surrender.

Ownership and beneficiary designation request form (Use this form for policies delivered in CA, CT, DE, DC, FL, ND and SD)
Request owner and beneficiary changes on any life insurance policy.

Ownership and beneficiary designation request form (Use this form for policies delivered in all states except CA, CT, DE, DC, FL, NY, ND and SD)
Request owner and beneficiary changes on any life insurance policy.

Minnesota Questionnaire
A completed supplement is required if a beneficiary change request is received AND the policy was issued within the past 4 years AND the new proposed beneficiary is anyone other than a family member AND any of the following are true:

  • The existing owner is a MN resident
  • The new beneficiary is a MN resident (including the viatical company is a resident company)
  • Any assignee is a MN resident or company
  • The policy was issued in MN

Release of Collateral Assignment
Use when assignment of policy is relinquished or released

Surrender, loan or withdrawal authorization
Used to request a loan or withdrawal on your life insurance policy. Also used to request a full surrender of a life insurance policy. For annuities, please use either the Fixed annuities withdrawal authorization form or the Variable annuities withdrawal authorization form. This form is used for Life Insurance Policies only.

Surrender Authorization
Use to request a full surrender of a life insurance policy.

Linked Benefits – Total Living Coverage (TLC) Sample Policy (California Only)
This sample copy of Genworth Life Insurance Company’s Universal Life Insurance policy is being provided for informational purposes only. THIS SAMPLE POLICY IS NEITHER A CONTRACT OF INSURANCE NOR AN OFFER TO CONTRACT.

Our financial products are offered/underwritten by one or more of the following:
Genworth Life and Annuity Insurance Company; Genworth Life Insurance Company; Genworth Life Insurance Company of New York (only Genworth Life Insurance Company of New York is admitted in and conducts business in New York); Genworth Mortgage Insurance Corporation; Genworth Financial Mortgage Insurance Pty Limited; Genworth Financial Mortgage Insurance Limited; Genworth Residential Mortgage Insurance Corporation of NC; Genworth Financial Assurance Corporation.


Globe Life Insurance Claim #claims #software


combined life insurance claim forms

Globe Life Insurance Claim

Globe Life Insurance Claim

Filing The Claim with Globe Life Insurance Provider

You must call customer service at 1-972-540-6542 to start the claims process. Though it is not mentioned on the Globe Life Insurance website, you may also be able to file your claim online via your account. You can register for an account at https://eservicecenter.globeontheweb.com/registerstep1.aspx or log in to your account at https://eservicecenter.globeontheweb.com/ .

The Globe Life Insurance company has been in business since 1951. The company is part of the Torchmark Corporation, a member of the S P 500. Over the years, Globe Life Insurance has earned the business of nearly four million customers.

About a Globe Life Insurance Plan

Your Globe Life Insurance plan will likely be purchased with a down payment and monthly payments. According to the front page of the website, adults and children can start a new policy for just $1 with monthly payments between $2.10 (for children) and $3.49 (for adults).

Coverage Details

Insurance coverage offered by Globe Life Insurance is determined by your state of residence. There are some constants or commonalities between states. Globe Life Insurance offers insurance policies for children and adults.

  • Adult Term Life Insurance: Globe Life sells term life insurance policies ranging from $5,000 to $50,000. The smaller the policy payout the lower the monthly premium will be. There are no medical exams or waiting periods when purchasing term life insurance from Globe Life.
  • Child Life Insurance: As long as the premiums for the child life insurance policy are paid, the policy will last a lifetime. According to Globe Life, the premium rates for $5,000 to $20,000 policies are determined by the child’s age. Once the premium is set the rate does not change for the life of the policy. There are no medical exams or waiting periods.

There are no family policies available from Globe Life Insurance, but all family members can be covered on individual policies.

Where to Get a Quote: Globe Life Insurance Contact Info Login

By phone (customer service): 1-972-540-6542

By phone (fax): 1-214-250-5702

By email (non-policyholder questions): Visit http://www.globelifeinsurance.com/contact and click on Non-Policyholder Questions for the contact form.

Globe Life and Accident Insurance Company Globe Life Center Oklahoma City, OK 73184

Check on your claim status: You can check the status of your Globe Life Insurance claim by calling customer service at 1-972-540-6542 or logging in to your account at https://eservicecenter.globeontheweb.com/ .

Rate your claim experience

This has been and is the worst experience I have ever faced. The fact that the insurance company does not and has shown so little really interest well iñ to five months now. My son was trying to keep one of the burdens that death can bring a parent and yet the company appears to be trying to just prolong the paying out the $20000.00 that he had signed up for.To try to find away to not pay is really making me mad. What makes them do the people that trust them like they don t exist. Not liking this treatment at all.Do we have to sue and raise h to get decent treatment.

To declare premium benefits after the policy owner dies, the successor should request your declare type from the insurer that issued the premium. The successor will need to submit a certified copy of the death certificate with the declare type. claim life insurance?

I was told by one of your worker that it takes at least 6 months to claim a check. How are we going to pay for the funeral expenses if we wait that long?

Globe Life Insurance Company, is riping people off. They claimed that I owed them for two months, I sent them my bank statements and they still have not credited me. They have not refunded my money. Please don t use Globe life and Accident Insurance Company.

I have tried calling ALL day long to report a death! I am currently on hold and have been for 2 hours, 34 minutes and 42 seconds.

How long does it take for a claim to be paid?

I have been paying on 4 different policies for over 2 years and I live on a fixed income.My brother passed away feb.24 2015 and I have not been able to contact ANYONE at Globe Life to file a claim.I am not a happy camper right now and they are about to lose a client.

Globe lifex3400 weekly check work payroll send to 7202 s greenleaf whittier ca 90602

I have been on the phone all day holding. Do you have to literally walk into this office to speak to someone? I don t like anything I ve been reading. Already, I ve lost my husband, my nerves are not ready for this..

I think all of you should contact the insurance board for your state, I can t wait for months, I am 78 and will have no place to live. I will apply for a gofundme and let them know the reason I need the Money is that my husband passed,
I filed for his $10,000.00 life insurance policy. I will go to the state insurance board. I have been paying oom policies through them since 1982. This making people wait is just wrong.

it has come to my attn that there may have been a policy i knew nothing about !Under my mothers name Helen Mae Francisco born 12-23-1942 passed on 02-22-15 I need for this to be checked out and please get back to me,as this is causing me great stress.THANK YOU ROBIN M WALSH

Good Afternoon my name is Tyshondra Barnes and I wad not pleased with the setvices I received from global life insurance some of the questions were not appropriate and I decided to canceled the policy.Sone of the agents over tge telephone asked questions that didnt habe anything to do with me getting insurance wasnt pleased! And wish to longer received anything from Global Life Insurance Company

Sorry to hear from so many that globe life is truly another scam artist. 60 minutes did a show on such companies. They know when their insured is deceased yet continue to attempt to collect the premiums. I receive mailers almost every day from globe life attempting to get myself, children, and grandchildren to sign up for their scam. Don t do it!

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Categories


Injury Claims #accident #compensation #claims


injury claims compensation

Injury Claims

Injury Claims Compensation the Easy Way

If you need to make injury claims for compensation then Compensationclaims.co has made it as easy as can be. Furthermore, while your claim is handled by one of our expert personal injury solicitors, you will be given support and advice from our friendly team all the way through the procedure.
We would also like to point out that, as a bonus, we offer you a £1000 advance on your injury claim, as we know that, in the aftermath of an injury, life can be very difficult. The advance is our way of helping you get things back in order.
To get the compensation cash you deserve, call us today on 0161 447 9193 or Request a Free Call Back.

Compensation Claims Experts

You may not be aware but you have a basic legal right to claim compensation for any injuries sustained in an accident that was caused by the negligence of another party. This could be an accident at work, one in the home caused by faulty appliances, a car accident, motorcycle accident or any other type of mishap. Hundreds of thousands of people make successful personal injury claims every single year.
If you, or a member of the family or a friend, have suffered injury that was not your fault then you can make a compensation claim. Many people find the idea of claiming to be a daunting prospect, and that’s why we have a team of professional advisers with expertise in claims law ready to give you all the advice and help you need. Our injury solicitors are experienced in head and brain injuries, medical negligence claims, car and motorcycle accident claims, whiplash injuries, accidents at work and all types of personal injury claims, meaning we have everything you need to make a successful claim.
As experts in the field we also know that injuries can harm careers, make things difficult for friends and families and also result in considerable mental torment, so we will support you all the way.

How Much Am I Entitled To?

You can get a good idea of how much you may be entitled to by using our simple online claims calculator, but you should bear in mind that this is only a rough guide. For a more accurate figure you should talk to one of our expert claims advisers, as all injury claims are subject to different factors such as individual personal circumstances. It has never been easier to claim compensation, so give your compensation claims the best chance of success, simply give us a call now on 0161 447 9193 and speak with one of our friendly claim experts or Request a Free Call Back.

How Do I Make a Personal Injury Claim?

First, it is important to remember that you need to have suffered injury in an accident that was caused by another party’s negligence in order to claim compensation. You will not be awarded a payment if the accident was your fault. Now, you also need to make sure you observe the following advice if you suffer such an injury:
1. First and foremost Visit the Doctor if you re having health problems

2. Collect any paperwork you have about your injury
3. Make a note of the location of the injury
4. Ready any medical history and witness statements backing up your case
5. Start your claim
To begin your claim you should call us at Compensationclaims.co or fill in the online form and we will call you. We offer a package, called Claims 1000, that we believe is the best available in the UK. Not only do we give you the £1000 cash advance, but we ALSO provide a replacement like for like car if necessary, PLUS we offer a no win no fee service that means you will not have to pay if your claim is not successful. This is, as far as we are concerned, the perfect injury claims package.

Injury Claims Advice for Free

If you need to enquire about making a personal injury claim, and want advice on claiming, either call us right away or fill in the online form and one of our expert personal injury claims solicitors will call you back very soon. Our staff are trained to the highest standards to be professional, friendly and sensitive, and will help you through the process of making a claim. We always try to put you in touch with a local injury claims solicitor, as we know many people prefer to deal with someone close at hand, but we also understand that this may not be the best professional for the job. Therefore, we always make sure we find the right solicitor for your individual needs.

No Win No Fee Injury Claims Solicitors

As we know it is not always easy for you to call us during normal working hours we make sure or dedicated advisers are there to take your call seven days a week. We make it our business to make sure you get the service you deserve. Whenever you make an enquiry, even on a weekend, we will try and get back to you within 15 minutes. Whether you need to make a whiplash claim, a head injury claim, a car accident claim or any type of personal injury claim, do not delay – get your claim under way right now.


After You ve Applied For Unemployment – New York State Department of Labor #file #an


check unemployment claim status

Q: What is the Monetary Determination?

A: After you file your claim, we will send you a Monetary Determination. This letter shows your base period and the employers and wages used to determine if you have enough employment to establish a claim. Review this form for accuracy. Be sure you agree with the amount of earnings reported. Check the list for all your employers. Do not return this form. Keep it for your personal records. NOTE: The Wage Reporting System does not show wages earned:

With the federal government

In a branch of military service or

For work done outside of New York State

Thus, the initial Monetary Determination may not list them. If we fail to list an employer, job or earnings, fill out a Request for Reconsideration. We will use those wages to calculate your correct benefit rate.

Q: What if I don’t agree with the Monetary Determination?

A: If you qualify, the Monetary Determination will show your weekly benefit rate. You use the Request for Reconsideration form only if:

  • The wages shown on the form are wrong or
  • Your employment and earnings are missing from the base period

Be sure to include proof of your employment and wages, such as a copy of pay stubs that total the amount of earnings you list on the form for the time in question.

If you have no pay stubs:

Send any documents you may have that we can use as proof

Explain why you have no proof of earnings

If the information shown on the Monetary Determination is correct, you do not need to take any action.

If you do not qualify, the Monetary Determination will explain why. Check that the Monetary Determination form is correct. Fill out the Request for Reconsideration if:

  • The wages shown on the form are wrong or
  • Your employment and earnings are missing

Send correct wage information for all four Basic Base Period Quarters and the Alternate Quarter. To speed up the review of your claim, be sure to include proof of your employment and wages, such as pay stubs that total the amount of earnings you list on the form for the time in question.

If you have no pay stubs:

Send any documents you may have that we can use as proof

Explain why you have no proof of earnings.

You may read and print the Handbook here.

We will review your Monetary Determination based on the proof you submit. We may contact your base period employer(s) to verify the wages paid to you in that time. If your benefit rate changes, we will mail you a revised Monetary Determination.

We process your request and set a hearing date if:

  • The review does not change your benefit rate and
  • Your rate is less than the maximum rate of $430

It is important to keep pay stubs and other proof of wages from your base period. This helps you provide an accurate estimate. Wages include the dollar value of:

Q: What if I think my rate will be higher using the alternate base period?

A: You should complete the Request for Alternate Base Period form only

You already have a benefit rate using the Basic Base Period

Your high quarter wages are in the Alternate Base Period quarter

You wish to request a rate based on the Alternate Base Period wages

(See your Monetary Determination for specific dates and wages.)


Ixigo Cashback – Flight Offers, Hotels deals, Discount, Cashback #claims #today


claim cash

ixigo cashback is a limited period cashback offer provided to those who book flights, cabs and hotels through ixigo.

Is the cashback available on every flight ticket?

No, the cashback is available only for flights wherever a cashback is mentioned against the search result. Similar to the following:

Is the cashback on the entire booking?

The cashback is dependant on a unique booking ID/PNR and not on the number of passengers, number of flights or one-way / return booking.

When will I receive my cashback?

It will take ixigo around 60 days from the date of claim submission to approve or reject your cashback. All you have to do is make a booking through ixigo and submit your claim within 7 days of booking.

Where and how will I receive my cashback?

Once ixigo receives and verifies your booking details, we will credit your cashback amount to your Udio wallet which is linked to your Udio digital card. It acts like any other Visa card and can be used to make payments on online Indian websites/apps. You can also use this cashback for recharge, paying bills, buying gifts etc. via the Udio app.

What is the Udio Wallet App?

The Udio Wallet App is India s first social wallet. It comes with a Udio Visa Card that let​s​ you shop across over 1 million merchants and makes your checkout at partner merchants fuss free by letting you save your cards securely. Udio Wallet is your one stop shop for mobile recharges, DTH top-ups, landline, electricity and gas bill payments. You can also split bills with your family friends and send e-gift vouchers as well as data to surprise your loved ones. To know more about the Udio Wallet check out this link .

Can I get my cashback if I am not a Udio Wallet user?

If you are not a Udio wallet user, you will need to create an account with Udio. You can do so by clicking on this link. Please make sure to enter the same email address and phone number entered while filling the ixigo cashback form.

Can I transfer the cashback amount from my Udio Wallet to my bank account?

You will be receiving the cashback in the form of Udio vouchers which can not be transferred to your bank account. However, you will be able to use these to make online payments on most sites (wherever Visa card is accepted). Please note these vouchers hold a validity of 30 days from receipt.

terms and conditions

  1. ixigo cashback claims need to be made within 7 days inclusive of the booking date. Any claim post the expiry of 7 days shall not be entitled for any cashback.
  2. In the case of flights, the cashback is on a unique booking ID/PNR and is not dependent on the number of passengers, number of flights or sector booked.
  3. You can claim ixigo cashback only once using one unique Booking ID/PNR. If your claim is found to be a duplicate of a previously made claim, ixigo will not process your cashback.
  4. It is mandatory to login through your Google+ or Facebook account (or fill the sign-up form) to get the cashback. However, your details would be absolutely safe with ixigo.
  5. Incorrect details added by the users would lead to straight away rejection of the claim. All the rejected cases would be automatically closed in our system and can not be submitted again.
  6. Once ixigo validates your booking, cashback would be credited into your Udio wallet within 60 days from the date of submission (for flights) and it would take 60 days to process your cashback after the completion of your stay (for hotels).
  7. A user can make claims for a maximum of 3 unique bookings per calendar month.
  8. The specified 3 claims are subject to – unique email ID, mobile number and user name. Any additional claims for bookings made during this period will not be eligible for cashback (even if the 7 day claim period falls in the next month).
  9. If you are not an Udio user, you will need to create an account by signing up here .
  10. You will receive cashback in the form of Udio vouchers. Udio will also auto-create a digital visa card for you, which is as good as your visa debit card. You can use the card to make any online payments, recharge your phone, pay bills,​ shop, and do much more. Find out more about Udio here .
  11. Validity of the Udio vouchers is 30 days from receipt.
  12. The availability of cashback is subject to the participation of ixigo s select partners in this programme. To see the complete list of select partners, please click here .
  13. The cashback offered by ixigo is over and above any cashback or discount offered by ixigo s booking partners.
  14. Acceptance/ rejection of your claim is on the basis of the ticket details you provide us and the booking reports shared by the booking partners with ixigo.
  15. The verification process can take more than 60 days if the delay is due to some unavoidable circumstances.
  16. By participating in this programme, you are agreeing to provide ixigo your email ID and to subscribe to the ixigo newsletter. You are free to unsubscribe from the ixigo newsletter later.
  17. In case you cancel your flight booking or the flight booking gets cancelled (by airline or provider) after you have sent us your claim, you shall not be eligible for any cashback.
  18. ixigo has the sole right to decide on the amount of cashback and the eligibility for the ixigo cashback scheme, sole right to alter and/or amend the terms and conditions of the ixigo cashback scheme and cashback amount at any time and also reserves the right to cancel a cashback claim in case booking details are found to be fraudulent.
  19. All disputes shall be subject to the exclusive jurisdiction of Delhi courts.
  20. The ixigo cashback is a promotional scheme run by ixigo to provide cashback to those who book flights or hotels through ixigo. This scheme starts from 20 April, 2015 and the end date is at the sole discretion of ixigo.
  21. ixigo may contact you for promotional activities or to get your feedback during the course of the ixigo cashback campaign.
  22. For more details please check ixigo s privacy policy here .
  23. This offer is not valid on bookings made by travel agents. If found, ixigo reserves the right to cancel the cashback without prior intimation.

Terms and Conditions for new user coupon:


Preparing the CMS-1500 Form – Medical Office Billing #car #accident #insurance #claim


1500 medical claim form

Preparing the CMS-1500 Form

By Joy Hicks. Medical Office Expert

Joy B. Hicks, MBA, CPM, has worked in the healthcare industry since 2001, in medical billing, collections, and patient accounting. Her number one goal is to create a positive impression of the healthcare industry by promoting quality customer service.

As a medical office expert, Joy evaluates and analyzes opportunities for improvement within the medical office in order to provide proven strategies that improve work efficiency, increase revenue, and provides staff education and training, among other things. Read more

Updated May 24, 2016.

What is the CMS-1500 form?

The CMS-1500 is the red-ink on white paper standard claim form used by physicians and suppliers for claim billing. Although it was developed by The Centers for Medicare and Medicaid (CMS), it has become the standard form used by all insurance carriers.

Who Can Bill Claims using the CMS-1500?

Any non-institutional provider and supplier can use the CMS-1500 for billing medical claims .

Continue Reading Below

  • Physician services
  • Physician assistants
  • Nurse practitioners
  • Clinical nurse specialists
  • Nurse midwives
  • Certified registered nurse anesthetists
  • Clinical psychologists
  • Clinical social workers
  • Home dialysis supplies and equipment
  • Ambulance services
  • Clinical diagnostic laboratory services

Tips for Preparing the CMS-1500

  • Ensure that all data is entered correctly and accurately in the correct fields.
  • Enter insurance information including the patient s name exactly as it appears on the insurance card.
  • Use correct diagnosis codes (ICD-9) and procedure codes (CPT/HCPCS) using modifiers when required.
  • Use only the physical address for the service facility location field.
  • Don t forget to include NPI information where indicated.

More detailed instructions can be found at www.cms.gov or www.nucc.org

Medical billing quiz


LG Promotions and Special Offers #acceptance #insurance #claims


claim cash

To properly experience our LG.com website, you will need to use an alternate browser or upgrade to a newer version of internet Explorer (IE9 or greater).

The LG.com website utilizes responsive design to provide convenient experience that conforms to your devices screen size. In order to get the best possible experience our LG.COM website please follow below instructions.

If you’re using Internet Explorer 8 or earlier, you will need to use an alternate browser such as Firefox or Chrome or upgrade to a newer version of internet Explorer (IE9 or greater) .

If you’re using Internet Explorer 9 and higher, turn off your Internet Explorer browser’s “Compatibility View settings” by following steps below:

  • Right click at the top of your browser and make sure the “Menu Bar” option is selected
  • Select “Tools” from the menu bar and then select “Compatibility View settings”
  • In the pop-up menu uncheck all three boxes and click “Close”
  • Your browser window will automatically refresh and you’ll be ready to go

LG Promotions and Special Offers


Should you get month-to-month phone insurance? #quit #claim #deed #california


sprint insurance claim

Should you get month-to-month phone insurance?

Does phone insurance really add up?

Sarah Jacobsson Purewal/CNET

Paying an extra $5 to $11 per month for month-to-month phone insurance might sound tempting — especially now that the big wireless carriers have ditched contracts and subsidized phones. and you’re paying $650 up front for a new iPhone 6s.

But it’s not that simple. First of all, month-to-month phone insurance isn’t the great deal it sounds like — that relatively low monthly fee is only part of the cost you’ll pay if your phone is damaged, lost or stolen. For each claim you file, you’ll pay a deductible of $50 to $199 (unless it’s an old-school flip phone, assume that price is going to be $199), and most insurance companies only let you file up to two claims per year.

So, should you get month-to-month phone insurance? Probably not, but let’s take a look at the available plans before we answer that question in more detail.

The plans

There are two ways to get month-to-month phone insurance: You can purchase it from your wireless carrier, in which case you’ll simply pay the premium as an add-on to your wireless bill, or you can purchase it directly from a third-party insurance company such as SquareTrade .

The main difference between the two is that carrier-provided insurance usually covers device malfunction, damage, loss and theft, while SquareTrade covers only malfunction and damage. Many carriers, including Verizon and AT T, offer plans through the third-party insurance company Asurion.

Verizon offers four protection tiers. The top tier, called Total Mobile Protection (TMP), costs $11 per month for smartphones; protects against device malfunction, damage, loss and theft; and carries a $99 – $199 deductible depending on the device. Verizon’s deductibles tend to be a little lower — most high-end Android phones won’t hit the $199 deductible. TMP offers the same protection as the second-highest tier, Total Equipment Coverage (TEC), but TMP includes a tech coach feature, which basically means you can chat with Verizon about your device. You don’t need this.

TEC costs $9 per device per month for smartphones and combines the two lower tiers: Asurion Wireless Phone Protection ($7.15 per month for smartphones, protects against everything except device malfunction) and Verizon’s Wireless Extended Warranty ($3 per month for smartphones, protects against device malfunction).

AT T’s insurance currently costs $6.99 per month per enrolled number, but that price will jump to $7.99 per month in March 2016. AT T’s insurance protects against device malfunction, damage, loss and theft and carries a $50, $125 or $199 deductible, depending on the device. Most high-end smartphones, including any iPhone newer than the iPhone 5, will hit the top deductible tier, so expect your deductible to be $199. Unlike Verizon, however, AT T rewards you for not filing claims — you get a deductible discount if you haven’t filed a claim in the last six months ($149 vs. $199) or 12 months ($99 vs. $149).

Sprint offers a two-tiered insurance plan — like Verizon, the top tier ($13 per month) simply includes tech support and device tutorials. Sprint’s insurance costs $9 to $11/month, depending on which deductible tier your device is in. There are four deductible tiers: $50, $100, $150 and $200. Most smartphones will be in the top two deductible tiers and will therefore cost $11/month. Like Verizon and AT T, Sprint uses Asurion — so its plan covers device malfunction, damage, loss and theft.

T-Mobile’s insurance costs $8 per device per month and protects against malfunction, damage, loss and theft. The plan includes a $20 to $175 deductible; most high-end smartphones will end up costing between $150 and $175 to replace. T-Mobile also offers an enhanced protection package for $10 per month that includes Lookout Mobile Security Premium. If you’re already enrolled in T-Mobile’s JUMP program ($10/month), which lets you upgrade your phone once you’ve paid off 50 percent of its cost, insurance is included.

SquareTrade is one of the most popular third-party insurance providers, and it’s cheaper than most carrier-provided options. Of course, it also offers less protection — with SquareTrade, you won’t be protected against loss or theft. SquareTrade plans cost $6 per month for smartphones (or less if you purchase one, two or three years in advance) with a $75 deductible. Because the company only covers damage, it will only repair your phone — not replace it. In the event that your phone is damaged beyond repair, SquareTrade will just give you money to replace it (enough for a refurbished phone — not a new one).

Should you get phone insurance or not?

This is a difficult question to answer, because it really depends on you. If you live in an area where phone theft is rampant, or you’re the type of person who’s likely to lose your phone, carrier-sanctioned phone insurance could save you hundreds of dollars. But if you’re just clumsy, you may not come out ahead. Apple will fix an iPhone 6S screen for $99 if it’s still under warranty or covered by Apple Care+ — that’s less than a year’s worth of Verizon insurance.

Month-to-month phone insurance comes with low premiums, high deductibles and a limit on claims (Asurion lets you make two claims per year, with a cap of $1,500 per claim). If you make one claim per year, you’ll pay between $270 and $330 for a new phone — and the phone may not even be new. The insurance company has the right to choose whether they want to repair your phone or replace it with a phone of equal value, which means you’re likely to get a refurbished phone instead of a brand new one. If your phone is more than a year old, phone insurance makes no sense because older high-end smartphones are subject to the same deductibles as newer high-end smartphones.

French bulldogs = accidental damage.

Sarah Jacobsson Purewal/CNET

Device-specific insurance isn’t your only option. If you purchased your phone with a credit card, your credit card company may offer an extended warranty that covers device malfunctions once the manufacturer’s warranty expires. Also, if you pay your phone bill with a credit card, your credit card company may offer some protection against loss or theft (my Wells Fargo card offers $600 worth of protection, subject to a $25 deductible, against damage or theft). If you have renter’s insurance, your phone is most likely covered in your policy — though renter’s insurance is usually subject to a higher deductible ($500+) per claim.

For most people, month-to-month phone insurance is a bad idea. You’re better off extending the manufacturer’s warranty or buying Apple Care+.

Editors’ note:This How-To article was originally published on December 29, 2014 and was updated on December 29, 2015 to reflect new information.


Medical Billing Professional Medical Billing Service #great #west #life #address #for #claims


medical claims billing

PremiumPlus Medical Billing Service

  • We will enter your data and submit your claims
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  • Prompt and accurate claim submission
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Premium Medical Billing Service

  • We will enter your data and submit your claims
  • Prompt and accurate claim submission
  • All for as low as $1.59 per claim

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Medisoft

Medisoft Network Basic Service

  • Enter data yourself on our hosted Medisoft network
  • MBP will submit your electronic claims
  • Only 45 cents per electronic claim

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Introducing Medisoft Mobile

Medisoft Mobile Service

  • Tap. Tap. Submit
  • Submit billing at the time of service
  • Save on your fees with MBPros

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BillFlash

BillFlash Electronic Patient Statements

  • Sending bills and getting paid has never been easier
  • Send professional statements to your patients
  • Increase patient collections

More Info

Free iPad or iPad Mini

Premium Medical Billing Service

  • Medical Billing Professionals Medical Billing Service can enter all your data and submit your claims.
  • With our Premium Medical Billing Service, MBP will submit your claims for only $2.35 per claim .
  • Or prepay to reduce your fee as low as $1.59 per claim .
  • Claims submitted accurately by the next business day at the latest

PremiumPlus Medical Billing Service

  • Medical Billing Professionals will enter all your data and submit your claims
  • We will post all insurance and patient payments
  • We will provide you on a weekly basis an aging report of all open claims AND a monthly basis 4 separate financial reports and patient remainder statements
  • All for as little as $2.05 per claim

Medisoft Mobile Medical Billing Service

  • Tap. Tap. Submit.
  • Medisoft Mobile is a free app for the iPad.
  • Electronically capture charges and diagnosis codes at the time of service, eliminating the need for paper superbills.
  • View your schedule in Medisoft Mobile.
  • We will scrub accurately submit your claims
  • SAVE on your fees with MBPros by using Medisoft Mobile.

Chiropractic Billing Service

  • Medical Billing Professionals Chiropractic Billing Service has been helping chiropractors since 1995.
  • Our expertise in chiropractic billing will help you reduce denials, increase reimbursements and reduce expenses for as low as $1.55 per claim .
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Physical Therapy Billing Service

  • Medical Billing Professionals Physical Therapy Billing Service has been helping PTs since 1996.
  • Whether you submit health insurance, auto accident or work comp claims, our expertise in physical therapy billing will help you for as low as $1.55 per claim.
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Mental Health Billing Service

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  • Register for our Premium or PremiumPlus Service, purchase a 1000 claim or 2500 claim prepayment option and receive the first two months free*.
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Job Related Injuries – Workers Compensation Laws #claiming #child #benefit #online


work injury claims

Job Related Injuries Workers Compensation

If you’re injured at work, it’s likely that your only source of recovery will be a workers compensation claim. The good news is, making a successful claim through workers compensation is usually easier that pursuing a personal injury action. Unless you were seriously or permanently injured, you probably won’t need to hire a lawyer. In this section, we’ve put together a wide array of information you should understand if you’ve been injured on the job.

Learn about your rights to workers’ compensation benefits following a workplace injury, and how to protect your claim.

The main differences between a workers’ comp claim and a personal injury lawsuit are the fault requirements and types of compensation available. Workers comp is easier to win, but won’t pay as much as a successful personal injury claim.

Workers compensation insurance will cover most job-related injuries, but their are some exceptions.

Injured workers have a right to benefits under the workers compensation system. Here are some of the most common questions.

If you suffer an injury at work, chances are you would turn to a workers’ compensation insurer to recoup your losses.

If You Are Injured – First Things First

If you were injured on the job, there are a few things you should do to protect your legal rights to compensation.

Trouble with your insurance claim only adds insult to injury. Here are some tips to make sure your work injury claim goes smoothly.

If you’re involved in a work-related accident, make sure to report it. This will protect any injury claims you may make with a worker’s comp insurer.

Get an idea of the steps you’ll need to follow for a successful workers’ compensation claim.

Here are some of the most common reasons a workers’ compensation insurer would question the validity of your work injury claim.