How JustAnswer Works:

  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site.
    Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.
A new question is answered every 9 seconds

Ask a Lawyer

Tina
Tina, Lawyer
Category: General
Satisfied Customers: 8603
Experience:  JD, BBA Over 25 years legal and business experience.
4460311
Type Your Legal Question Here...
characters left:
8 Lawyers are Online Now

JustAnswer in the News:

 
 
 
Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.
 
 
 

What Customers are Saying:

 
 
 
  • Mr. Kaplun clearly had an exceptional understanding of the issue and was able to explain it concisely. I would recommend JustAnswer to anyone. Great service that lives up to its promises! Gary B. Edmond, OK
< Last | Next >
  • Mr. Kaplun clearly had an exceptional understanding of the issue and was able to explain it concisely. I would recommend JustAnswer to anyone. Great service that lives up to its promises! Gary B. Edmond, OK
  • My Expert was fast and seemed to have the answer to my taser question at the tips of her fingers. Communication was excellent. I left feeling confident in her answer. Eric Redwood City, CA
  • I am very pleased with JustAnswer as a place to go for divorce or criminal law knowledge and insight. Michael Wichita, KS
  • PaulMJD helped me with questions I had regarding an urgent legal matter. His answers were excellent. Three H. Houston, TX
  • Anne was extremely helpful. Her information put me in the right direction for action that kept me legal, possible saving me a ton of money in the future. Thank you again, Anne!! Elaine Atlanta, GA
  • It worked great. I had the facts and I presented them to my ex-landlord and she folded and returned my deposit. The 50 bucks I spent with you solved my problem. Tony Apopka, FL
  • Not only did he answer my Michigan divorce question but was also able to help me out with it, too. I have since won my legal case on this matter and thank you so much for it. Lee Michigan
 
 
 

Self-Insurance

Self-insurance is a type of risk management insurance where a person places a certain amount of money away to counter potential losses in the future. Self-insurance can be taken for an insurable risk—which is an uncertain event that could happen in the future—that the insured has no control over. However, one of the other factors governing the possibility of taking out self-insurance is that the risk should be measurable. In other words, one should be able to either put a price or rate on it. Self-insurance is also offered to employees by large corporates in the form of employee benefits. Listed below are a few questions answered by the Experts on issues related to self-insurance.

Why would a town want to sue the county under Article 78 to become self-insured?

The Article 78 petition has probably been filed by a party who wants the state to review what they have dictated in a matter like this. It’s possible that the party works with the county and feels that the county should ensure that its workers are protected by insurance.

An employee’s child is taking a new drug that costs more than previous drugs. In this case, would it be legal for the Human Resource manager of the company to reveal details of the child’s medical expenditure because the company is self-insured?

If the Human Resource manager simply asks the employee about the increase in the amount for the drug, it would be well within the company’s rights to pose this question. But if the Human Resource manager were to tell anyone else in the company, such as other employees, this would be a violation of the confidentiality agreement between the employer and employee. According to the Health Care Privacy Act (HIPPA), the only thing that the employee can do in this case is file a complaint with the Department of Health and Human Services and let them investigate the issue. For information on filing a complaint, visit: http://www.hhs.gov/ocr/hipaa

If a person is self-employed and their insurance is unable to cover the cost of their expensive medication for seizures, what can they do?

In most cases, an insurance company will refuse to cover a drug or a treatment if the insurance plan has limited drug coverage, if they believe that the treatment is not necessary, or if the drug does not have the approval of the Food and Drug Administration. Also, with self-insurance, the insurer can deny a person insurance coverage if they have a pre-existing condition. In most cases, it is generally hard to get an insurance company to pay for an atypical treatment even if they are required to provide the coverage in the contract. The person would need to study their insurance contract carefully and check if the medication can be covered or not.

If a person has a small business, are they required to have self-insurance for all of their subcontractors or just for their employees?

An employer is generally only required to offer self-insurance for their employees. If the person has subcontractors working for them, they would need to contact their insurance company and check if the waivers signed by the subcontractors would be sufficient for them to opt out of worker’s compensation. If the insurance company does not accept the waiver, the person may want to think about having the subcontractor bear the cost themselves as a prerequisite to working for the company.

There are several rules and regulations laid down by the law that govern self-insurance and both employers and employees may not fully understand them. While the questions above may have answered a few of your questions, there may be others that are specific to your case. In times like this, put your questions to Experts who can offer professional opinions and insights at an affordable cost.

Ask a Lawyer

Tina
Tina, Lawyer
Category: General
Satisfied Customers: 8603
Experience:  JD, BBA Over 25 years legal and business experience.
4460311
Type Your Legal Question Here...
characters left:
8 Lawyers are Online Now

How JustAnswer Works:

  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site.
    Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.

Lawyers are online & ready to help you now

Tina
Lawyer
Satisfied Customers: 8436
JD, BBA Over 25 years legal and business experience.
Ely
Counselor at Law
Satisfied Customers: 19941
Private practice with focus on family, criminal, PI, consumer protection, and business consultation.
FiveStarLaw
Attorney
Satisfied Customers: 8189
25 years of experience helping people like you.

Recent Self Insurance Questions

  • What all would be on a document for self insurance? Does anyone

    What all would be on a document for self insurance? Does anyone have a sample?
  • I was a truck driver and my employer did not pay into my state

    I was a truck driver and my employer did not pay into my state worker compensation fund. I was injured and my state is rejecting my claim. what can I do?
  • My questions are about Texas Workers comp. I got hurt on the

    My questions are about Texas Workers comp. I got hurt on the job and my employer has self insurance instead of regular comp.I have not been able to work for 4 weeks now due to getting hurt at work. I have only been paid for 2 weeks. They told me I will not get paid for the first week that I was not able to work and have paid me for the next 2 week that I missed. My question is Am I supposed to get paid for that first week, and are they suppose to hold out taxes on what they do pay me? And are they suppose to pay me mileage for going back and forth to the DR.
< Last | Next >
View More Legal Questions