I had an emergency medical situation in Dec 2014. Since the
I had an emergency medical situation in Dec 2014. Since the day I was taken to the hospital via ambulance, I have not returned to work. For the first six months I was on STD - after six months it converted to LTD with approval for two years, at which timemy case is re-examined for continuation. Because my medical bills have been so extensive (heart surgery in May and a craniotomy in December) and I am now living on 60% of my former salary. Wanting to be budget minded and fiscally responsible, I made the decisionto sell my condo and downsize to something smaller. I applied for a loan with a mortgage broker I used previously and upon discussion of my situation, he didn't think I could be funded. It was discussed with underwriting and they requested a letter from myemployer stating that in two years time, if it were determined I could go back to work, my job would be waiting for me. No employer, however understanding they are is going to guarantee any employees employment in the future (particularly when you are "atwill"). They then said that because my LTD wasn't guaranteed for 3 years, I was denied the loan. I have an excellent credit score (767 with one reporting agency and 804 with another) and no spots on my record. I pay all my bills on time. It is my understandingunder various federal guidelines lenders are not to discriminate for loans based upon disability and there are a few routes I can take/explore, including a complaint to HUD which is overseen by the justice department, as well as filing in Federal Court (onmy own), plus I live in the state of Washington it is a violation of the rights of the disabled. I have documentation (email) of all correspondence with this mortgage broker. I did go to another lender recommended by a friend - this broker got me pre-approvedwithin 3 days and I was able to close less than four weeks from the signing of the real estate contract. This broker couldn't understand why I was denied by the other company. Do you think I have the basis of a claim? If so, what route should I go? ShouldI hire an attorney? Thank You.
I live in NC and I am insured by my wife's employer, Wake Forest
I live in NC and I am insured by my wife's employer, Wake Forest University. The University self-pays the claims and the claims are processed through Blue Cross/Blue Shield. The University has greater than 100 employees.If I have a personal injury case and it settles, am I subject to pay the Insurance company or the university anything back?NotesSeveral states have laws that prevent private healthcare plans from seeking reimbursement. If at the time of your injury you lived in a state that has these types of laws, then GRG will review your case to determine whether the state law prevents the insurer from seeking reimbursement. If at the time of your injury you lived in one of these states, you may not have an obligation to pay your private health insurance plan back for the treatment costs of your injury.However, even if state law would prevent the insurance company from seeking reimbursement, the insurance provider may still have a right to repayment under federal law. The plan can show that the terms of its insurance contract with you allow it to recover your treatment costs under a federal law. These types of claims are handled on an individual case-by-case basis.The following states have what are known as anti-subrogation laws, which seek to prevent insurers from reimbursement:ArizonaConnecticutKansasMissouriNew JerseyNew YorkNorth Carolina
I own a small business. I have 2 full-time employees. I do
I own a small business. I have 2 full-time employees. I do not offer a group health plan nor do I have an official "fund" that is set aside to reimburse these 2 employees for actual healthcare or premiums; however, they have each purchased policies in the individual market and I have been reimbursing them tax-free for their monthly premiums. That was okay with IRS until now. My tax accountant is now telling me that ACA rules state that reimbursing employees is now illegal with hefty fines ($100/day for each employee). As I am not even obligated to provide health insurance for my employees, I don't see how reimbursing them for an ACA-compliant policy could possibly be illegal. I have spent about 20 hours on my own reading IRS, DOL and ACA docs as well as professionals' opinions and I think everything is a guess at this point. Varying opinions. The reasons for this fine-thing is that some large employers who were self-insured were not reimbursing for preventive services and were putting limits on the actual healthcare an employee received. I pay my employees well-- 50K and 45K respectively, so if I were to send them to healthcare.gov they would likely not receive any tax credits and their premiums would be about 3X what they can buy in the individual market, so that is not an option. I would very much like to continue to do what I have in the past-- reimburse them for their premiums, tax-free to them. Am I looking through rosey colored glasses? Want another informed opinion. Thanks.
I sent this letter what do u think my next steps are:JAMAAL
I sent this letter what do u think my next steps are:JAMAAL XXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX (***) ***-**** *****@******.***November 7, 2014Copy via Fax (***-***-****) – Original via Certified U.S. Mail Return Receipt RequestedDarryl General Manager XXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXXXXXXXRe: Damages Sustained to My Vehicle during Illegal Impound on Saturday Morning, October 4, 2014Dear Darryl:My name is***** and I am the registered owner of a 2004 Ford Explorer vehicle, with a VIN of XXXXXXXXXXXXXXXX, and bearing Pennsylvania license plate number XXXXXX. On Saturday, October 4, 2014, my vehicle was stopped at 5th Avenue and South Aiken Avenue in the City of Pittsburgh. Your tow company was, unfortunately, inappropriately called by the Pittsburgh Police Department to impound my vehicle. I refer to the towing as inappropriate because my vehicle was properly registered and properly insured at the time of the citation; however, it appears that the Department of Transportation’s computer database was inaccurate or not properly updated. You towed my vehicle and took it to your tow yard, and later that morning, I retrieved my vehicle by paying you $166.00. I immediately noticed significant damage to my brand new tires, which I recently purchased on August 14, 2014, at a cost of $592 from XXXXXXXXXXXX. Your records refer to a release time of 11:23 am on Saturday morning, October 4, 2014, and a Reference Number of XXXXXXXX. Attached please find true and correct copies of the paperwork related to the impound activities. On Saturday, October 4, 2014, as I drove my vehicle off of your yard, apart from the tire damage, I immediately noticed that the vehicle was not driving properly, appeared to be out of alignment, and was leaking some type of fluid. Those damages were not present at the time that my vehicle was stopped, and before your impound towing was performed, and thus were sustained during your towing operation, and / or when your company had custody, control, and possession of my vehicle. I immediately tried to formally report the damages to your office; however, I was unable to do so, and I was informed that the individual in your office responsible for handling such claims was not in the office over the weekend. On Tuesday, October 7, I was able to speak to you, and I reported the incident to you at that time. I am still in the process of determining the nature and extent of the damages, both from a mechanical and financial perspective. Consequently, my comments are preliminary in nature. At the current time, it appears that the new tires on my vehicle, which cost me $592, were severely damaged, as well as the rear differential and a lower control arm. I am still trying to determine whether the frame was damaged. At this point in time, I anticipate that the damages and associated labor will exceed $5,000. However, as soon as my mechanic concludes his investigation and analysis, I will provide you with an updated figure, and an estimate to support the needed work, assuming that the vehicle can be repaired. There is the distinct possibility that if there is significant damage to the frame, the vehicle may be judged a “total loss.” Additionally, because I was unable to use my vehicle from October 5, 2014 through October 23, 2014, I could not perform my regular work. I had some preliminary repairs made to the vehicle; however, it is clear that the vehicle still has significant damage. It was necessary for me to rent a vehicle during some of the time that vehicle was not available, resulting in additional costs. It is my position that the city negligently started this entire, inappropriate towing process, and that your tow company negligently handled my vehicle while it was in your custody, control, or possession of it. Please refer to this matter to your liability insurance carrier, or, in the event that you are self-insured, please advise me of the individual in your company (or independent adjusting agency) responsible for handling such claims. I am in the process of assembling all of the documentation to support my contentions made in this letter, and I will provide it to you when I have assembled them. You should also note that I will be required to appear in court later this month in connection with the citation. I have the proof of registration and proof of insurance which reflect that I was properly operating my vehicle in accordance with Pennsylvania state law. I look forward to hearing from you, and I will update you shortly about the nature and extent of the damages.Respectfully,_________________________________ JAMAAL XXXXXX Enclosure (Impound Paperwork)