Legal

Ask a Lawyer and Get Answers to Your Legal Questions

Ask a Lawyer,
Get an Answer ASAP!

Legal

In 2017, Independence Blue Cross (IBC) IBC entered into

Customer Question
In 2017, Independence Blue...

In 2017, Independence Blue Cross (IBC) IBC entered into their system my wife's birthdate being 11 years younger than her actual age for a spousal policy. Consequently we were quoted a lower premium which they honored after 4 months of escalation. IBC had all year to fix this in there system. During my 2018 renewal, I confirmed again that her birthdate was incorrect. However I received a quote 11/22/7 that did not reflect this with a lower premium price than for our age. The 11/22/17 IBC confirming quote did NOT say anywhere "subject to change." On 12/8/17 I received my IBC Premium notice which reflected the correct higher premium price. Must IBC honor the 11/22/17 quote or can they revise it upward ?

Lawyer's Assistant: What state are you in? It matters because laws vary by location.

PA

Lawyer's Assistant: Has anything been filed or reported?

No, I advised IBC customer service who is escalating within their department not legal that I would if they would not honor it

Lawyer's Assistant: Anything else you want the lawyer to know before I connect you?

This is an off exchange individual quote. Our 2018 ages will be 62

Submitted: 2 months ago.Category: Legal
Show More
Show Less
Ask Your Own Legal Question
Answered in 3 minutes by:
12/20/2017
Lawyer: Olivia Kent, Attorney replied 2 months ago
Olivia Kent
Olivia Kent, Attorney
Category: Legal
Satisfied Customers: 2,287
Experience: Partner at Kent Law Group, LLC
Verified

Hello and welcome to JustAnswer. My name is ***** ***** I'm an attorney. Please note this site is general information for educational purposes only and doesn’t constitute not legal advice. You might be offered a phone call, but you are under no obligation to accept; the phone call requests don’t come from me - they’re offered by the website - but if you do want a phone call I’d be happy to do that as well. I'll be happy to help you in any way I can.

I know that if feels like they should have to "live with" their mistake but in actuality they don't. They would not have to honor the "incorrect" price and can very easily claim that they are actually entitled to the difference in last year's underpayment and correct amount. So, it's actually in your favor that they're not claiming that and are simply seeking to correct their error now.

Ask Your Own Legal Question
Lawyer: Olivia Kent, Attorney replied 2 months ago

I don't think there's any harm in pushing a bit and stating that since it was their error you should be entitled to keep it (even though not technically true). I wish I could tell you otherwise but that is the law and, believe me while I don't always love what the law is, I'm not doing you any favors if I don't actually tell you what it is.

Please let me know if I've answered your question. If I have, could you please take a moment to check the box stating that I answered your question - by selecting the appropriate number of stars - so that I receive credit for working with you. If you have any follow up questions I would be happy to answer them. Experts only get credit for the time and effort we spend on our answers if you rate positively (3, 4, 5 stars - 5 stars is definitely appreciated!). It does NOT cost you anything extra and it allows me to get credit for helping you. You CAN still ask follow up questions after rating. There may be a lag between your question and my answer; this is because I'm either not at my computer or helping someone else but I assure you I will ALWAYS come back and answer your questions.

Ask Your Own Legal Question
Customer reply replied 2 months ago
Your answer should be more substantive. Can you specify the actual, relevant legal statute(s) or case law decisions ?
If no, why?
Customer reply replied 2 months ago
I thought I just updated and made the $59 payment to initiate a phone call to(###) ###-####
Lawyer: Michael Bradley, Lawyer replied 2 months ago
Michael Bradley
Category: Legal
Satisfied Customers: 1,222
Experience: Owner at The Protection Group LLC
Verified

I am a new expert

I do not see the phone call request

you would need to contact customer service

Ask Your Own Legal Question
Was this answer helpful?
Ask Michael Bradley Your Own Question
Michael Bradley
Michael Bradley
Michael Bradley, Lawyer
Category: Legal
Satisfied Customers: 1,222
1,222 Satisfied Customers
Experience: Owner at The Protection Group LLC

Michael Bradley is online now

A new question is answered every 9 seconds

How JustAnswer works:

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

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

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.

EricRedwood City, CA

I am very pleased with JustAnswer as a place to go for divorce or criminal law knowledge and insight.

MichaelWichita, 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!!

ElaineAtlanta, 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.

TonyApopka, 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.

LeeMichigan

< Previous | Next >

Meet the Experts:

Tina

Tina

Lawyer

8,775 satisfied customers

JD, BBA Over 25 years legal and business experience.

Ely

Ely

Counselor at Law

24,353 satisfied customers

Private practice with focus on family, criminal, PI, consumer protection, and business consultation.

INFOLAWYER

INFOLAWYER

Attorney

20,727 satisfied customers

Licensed attorney helping individuals and businesses

JPEsq

JPEsq

Attorney

2,132 satisfied customers

Experience as general attorney, in house counsel, SSDI, Family Law attorney, and law professor

Law Educator, Esq.

Law Educator, Esq.

Attorney

42,358 satisfied customers

JA Mentor -Attorney Labor/employment, corporate, sports law, admiralty/maritime and civil rights law

Ellen

Ellen

Lawyer, Consultant

8,238 satisfied customers

25 years of experience helping people like you.

Guillermo J. Senmartin, Esq.

Guillermo J. Senmartin, Esq.

Attorney

292 satisfied customers

7+ years of experience handling various legal matters.

< Previous | Next >

Related Legal Questions
My brother has a guaranteed Whole Life Policy thru ?United
My brother has a guaranteed Whole Life Policy thru ?United of Omaha of Mutual. This policy had a 2 year waiting period the policy started 2010. premiums where paid until there was a problem on his aut… read more
LegalGems
LegalGems
Juris Doctorate
11,062 satisfied customers
I have a question about a will and a life insurance policy.
I have a question about a will and a life insurance policy … read more
TaxAttorneytoHelp
TaxAttorneytoHelp
Owner
Doctoral Degree
2,542 satisfied customers
I have a question concerning school board policy's and
I have a question concerning school board policy's and challenging them to make exceptions. … read more
P. Simmons
P. Simmons
Attorney
Doctoral Degree
35,602 satisfied customers
My brother's policy contestable period will end on 2/15/18.
My brother's policy contestable period will end on 2/15/18. On 2/9/18, I got a letter from the insurance company saying a recent routine review of his Motor Vehicle report indicated that he lied on hi… read more
Law Educator, Esq.
Law Educator, Esq.
Attorney
Doctoral Degree
42,358 satisfied customers
This is an Policy that the HOA board is implementing. Can
Second opinion] This is an Policy that the HOA board is implementing. Can the prohibit members form discussing information discussed in the meetings on social media. They are the governing body, and f… read more
Phillips Esq.
Phillips Esq.
Attorney
JD
18,676 satisfied customers
I have landlords policy in Minnesota. Fire was caused by
I have landlords policy in Minnesota. Fire was caused by arson house had 8 unrelared renters instead of legal housing limit of 5. Policy is for 450k. Replacent cost are 600k. Will insurance deny claim… read more
Ray
Ray
Lawyer
Doctoral Degree
31,406 satisfied customers
I recently applied for 2 life insurance policies. As a
Hello. I recently applied for 2 life insurance policies. As a result of that application I found out that one of my blood tests came back with abnormal readings. The agent said I would still be covere… read more
ScottyMacEsq
ScottyMacEsq
Doctoral Degree
17,495 satisfied customers
Merchant return policy requirments. Florida. Merchant
No. Merchant resisting return after promising money back guarantee after only one day. … read more
INFOLAWYER
INFOLAWYER
Attorney
Doctoral Degree
20,727 satisfied customers
My mother took out a life insurance policy on me when I was
Hi, my mother took out a life insurance policy on me when I was a minor. I'm 27 now, and found out she's refusing to sign the policy over to me despite the fact I'm an adult and her agreeing to over a… read more
LegalGems
LegalGems
Juris Doctorate
11,062 satisfied customers
My car insurance policy was canceled because I was
Hi, my car insurance policy was canceled because I was ill-informed is there something I can do? … read more
Law Educator, Esq.
Law Educator, Esq.
Attorney
Doctoral Degree
42,358 satisfied customers
Is there ever a med pay deductible on a homeowners policy?
Is there ever a med pay deductible on a homeowners policy? … read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
8,357 satisfied customers
We are trying to set up a premium ssl certificate to our
Hello, we are trying to set up a premium ssl certificate to our website dtfspro.com. GoDaddy requested a Professional Opinion Letter. Could you please fill it out for us? I have a letter template … read more
Lori
Lori
Juris Doctor
647 satisfied customers
We need advice on universal life insurance policy. New
We need advice on universal life insurance policy. … read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
8,357 satisfied customers
HO2 and Wind policies in place and premiums paid with Trust
HO2 and Wind policies in place and premiums paid with Trust as named insured. Deed recorded in FL naming three co-partners/equal shares. Insurance carriers require new application for each policy. How… read more
INFOLAWYER
INFOLAWYER
Attorney
Doctoral Degree
20,727 satisfied customers
Can a policy owner borrow against a life policy without the
can a policy owner borrow against a life policy without the signature of an irrevocable beneficiary … read more
INFOLAWYER
INFOLAWYER
Attorney
Doctoral Degree
20,727 satisfied customers
My employer did not take my insurance premium out of my
My employer did not take my insurance premium out of my check when I started working there. They were to take $300 every two week or $600 a month. I will admit I didn't look at my check close enough. … read more
Olivia Kent
Olivia Kent
Attorney
2,287 satisfied customers
I have been with a premium auditing company for 3 years, the
I have been with a premium auditing company for 3 years, the first 6 monts or so was training pay, then went to production, the supervisor did not explain how to get paid for certain time on jobs. At … read more
Damien Bosco
Damien Bosco
3,690 satisfied customers
My employer just told me I have been getting a premium
My employer just told me I have been getting a premium overpayment since 2008. They are adjusting my salary which amounts to about $400 per month. Is this legal? What are my options … read more
Law Educator, Esq.
Law Educator, Esq.
Attorney
Doctoral Degree
42,358 satisfied customers

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

Show MoreShow Less

Ask Your Question

x