Where can you purchase workman's comp insurance?

If you are an employee, you have it for any injury suffered while you are at work.

If you are NOT an employee, but rather a business-owner, needing to provide coverage, the answer to this depends on what state you are in.

Two states are 'exclusive fund' states. Ohio is one and the other escapes me just now.

If not an exclusive fund state, there will be still be a 'state fund' in place. You can purchase your coverage there, or from any private carriers that offer WC coverage in your state.

Check with the Agent/Broker who handles the rest of your Business Insurance.
for more info. visit steveshorr.com

Does any dental insurance cover implants?

An increasing number of dental plans are adding coverage for implants. Press releases from some of the companies annoucing the coverage are available on the website of the National Association of Dental Plans at www.nadp.org in the News Section under Member News Releases. That site also has a directory of dental plans that can be searched by state.


Implant: A support for a bridge or denture that has been surgically placed into bone

Bridges: Nonremovable tooth replacements attached to adjoining natural teeth when one or a few teeth are missing.

Dentures: Removable artificial teeth in a plastic base that rests directly on the gums. A denture may be complete or partial depending on the number of missing natural teeth.


This is really a little too complex for me to answer you. I have links to numerous policies, brochures and definitions at www.SteveShorr.com/dental.htm To answer the question we would need more information from you - age, bridge or denture, replacement, etc.

Have you asked your dentist?

Also, if you don't have coverage now, many plans make you wait a year.

You might try a Dental HMO, those generally don't have waiting periods.

Many plans consider it cosmetic surgery and won't cover at all. Check your policy.

IF an insurance company pays for implants is up to the plans sponsor ( usually your employeer) and there are quite a few that will cover it.

Discount Dental Plans cover implants. They are not insurance, but the premiums are usually less than $20.00 a month for a household and even less for an individual. When selecting a Plan it's important to compare the amount of discount that you will receive, as well as where the nearest provider is to your home. Many require yearly payments, but some will accept monthly payments via automatic withdrawal from your bank or credit card.

I am sorry, but there are no insurance companies that will pay for implants. They are considered cosmetic. However, they will pay for a bridge, a front flipper or a partial if there is no "preexisting clause for tooth loss over a certain amount of years". In other words, if the tooth/teeth were missing before your current policy, chances are they won't pay for anything. Good luck!

New Dental Choice is a California state licensed dental discount plan currently available in California and Arizona which includes implants as a discounted procedure. For the implant procedure, the discount is between 30% and 40% below the usual and customary charge based on a national profiling service. The exact discount rate may be found on the website by entering the zip code for the participating dentist's office or the general area in which a network dentist may be found. There are over 14,000 dentist locations in California. http://www.newdentalchoice.com

How much does title insurance cost?

Title Insurance Rates
Title insurance rates vary from state to state and market to market.

In some states, the fees are set by the AGENT, and are market competitive -- they may be negotiated by the Agent.

In other states, the rates and fees are regulated by that state's Department of Insurance and the fees may not be negotiated - higher or lower than the regulated fees.

In both cases, the premium fees are calculated on a per $1000 rate. That rate is then based on whether the transaction is a "basic" rate, "re-issue" rate, "refinance" rate or "new construction" rate.

Basic rate covers a policy issued on a Purchase transaction and usually calculated on the Purchase Price and the Mortgage Amount.

Re-Issue rate covers a policy issued on a Purchase transaction and whether or not the Sellers can provide backtitle to the Buyers. The back title criteria is typically based on how old the Sellers' Owner's Policy is. (Usually a lower per $1000 rate than basic)

Refinance rate covers a policy issued to the current owner on a Mortgage loan. Depending on the state, the previous mortgage amount may have a bearing on how the rate is calculated.(Usually a lower per $1000 rate than basic)

New construction rates covers the builder during the construction of the property, before the construction is complete. (Usually a significantly lower rate than basic since the property is not a fully finished home/building during the time of coverage.)

New construction rates do NOT cover a buyer purchasing a completed home from the builder, only the time the home is BEING constructed and covering the builder.

Can you collect life insurance benefits after a suicide?

I have done some research on this and it seems most life insurance companies have a suicide clause which states that they will NOT pay if you commit suicide within two years of getting your policy. After two years you are free to contact Dr. Kervokian. It is always better to check with your insurance company, although I would do that discreetly.

Life insurance is regulated by the various states, not the federal government. It is deemed to be contrary to public interest to encourage suicide by making insurance proceeds available to those who see no way out of their financial difficulties. So insurance companies usually prohibit claims when suicide is the cause of death ... they consider that the contract is void and refund premiums to the owner of the policy (who usually died along with the insured). Insurance companies' actuarial tables, upon which they base their premiums, exclude suicides, so to expect companies to pay up for suicide prevents them from pricing policies correctly, and allows the public to avoid paying higher prices because of such selfish acts. State insurance law limits the period of this exclusion, so that if a person was sufficiently rational when they took out the policy, they are not penalized if later on they become despondent. Usually this suicide exclusion allows insurance companies to void contracts if suicide occurs within two years of the policy date. It's considered that this will sufficiently discourage someone from initiating a policy with the intent to later commit suicide. The rare person who can maintain their determination to die can in fact deliver money upon their death to their beneficiaries.

Life Insurance isn't designed to cover the taking of one's own life. Most insurers will not pay for an insd suicide after two years though that exclusion is often taken off. this is because most people who wish to committ suicide will not wait two years to do so

There usually has to be an Insurable Interest. You can't just take out an Insurance Policy just because. If he were making alimony or child support payments or anything else where her income would be affected by his death then that would be an Insurable Interest. Hope that helps.

Most private insurance policies have a two year suicide exclusion period. After that, the policy must pay the benefit regardless of manner of death.

The exception to the two-year suicide clause is that some employer-provided group life policies do not contain such a clause. The rationale is simple: employees are provided several "free" benefits as a way of retaining quality people and most employees who would consider suicide would not bother with going out and consider purchasing a llife insurance policy, knowing full well that there would be no death benefit within the first two years of having the policy.

Can you collect unemployment if you move while claiming benefits?

Interstate Unemployment Claims
After spending some time researching this question, it appears that if you move out-of-state while claiming benefits, you should immediately telephone or report to a local unemployment office in your new state. They will help you claim benefits on an interstate basis.

Here are opinions from other WikiAnswers Contributors:

Yes, at least in Oregon and New Jersey. Go to your nearest unemployment office and inquire.

If you got laid off in Alaska, you need to file a claim in Alaska (you can do this online or over the phone in most states). The state of Alaska will pay you in accordance with their regulations. You need to let them know that you have relocated to another state to look for work.

You can collect interstate claims in both Oregon and New Jersey. Go to the unemployment office and ask about it.

YES, but if you do start a new job, ANYWHERE, you have to notify the state office that you are working and the exact date you started working again and where you are working. If you don't notify them and continue to accept payment, you are committing a felony fraud.

Where can you obtain farm insurance?

Farm Insurance
Ask your current Property and Casualty lines Insurance Agent, if you have one who already serves your needs in another area, for a quote on farm insurance. Most but not all Auto Insurance agents will also offer you property lines coverage. Most likely they can help you.

If you do not have a current auto or property lines agent you can try any company or agency that offers property lines coverage.

Family Farms can usually be covered under Personal Property lines and will usually be cheaper. If the Owner is a Corporate entity then it will most likely be classified as Commercial Property lines. Corporate Owners generally experience Higher Risk exposures.

Also note that most states have a state Farm Bureau organization which offers Farm Insurance.

Contrary to popular belief, the State Farm Insurance company does not offer farm insurance.

Where can you get teacher's unemployment insurance?

Unemployment Benefits for Teachers
If you are looking for actual unemployment insurance (in case you're fired or laid off), then your employer is responsible for this. Your employer must pay into the state unemployment fund. If, your employer is a non-profit organization such as a religious school, etc., then the employer would probably not pay into the unemployment fund, so there is no unemployment insurance available for employees of this type of organization.

It is also important to mention that, depending on the state, substitute teachers who work only September through June may be eligible for unemployment benefits during the summer. Check with your local unemployment office for more information. In most cases, teachers are eligible for the same benefits as any other worker if the benefits are available.

Are insurance ratings effective?

Effectiveness of Insurance Ratings
Choosing the right insurance company is usually an important financial decision - whether for personal or business purposes. Before making a decision, an important consideration is the overall financial strength of an insurer. If an insurance company cannot pay for future claims or benefits, there is little point in paying for the insurance. That is precisely why insurance ratings came into effect. These ratings represent a thorough analysis of a wide variety of risks that could affect an insurer's long-term growth and survival. According to Insure.com, insurance companies can fail or cease to operate due to inadequate financial capabilities, competitive forces or changing fundamentals in their marketplaces. Standard & Poor is the world's foremost provider of these ratings. Make sure to do your research before selecting an insurance company. But keep in mind that higher ratings are not a warranty or a guarantee of an insurer's current or future ability to meet obligations to policyholders, nor are they a recommendation of a specific policy form, contract, rate or claim practice. So, are insurance ratings effective? Yes and no. Choose wisely!