is it possible for me to get insurance backdated for one day for a ticket about 10 months ago
Total Comments: 26
Posted: Tue Feb 16, 2010 02:25 pm Post Subject:
Kind of what you are asking to do , would be like, if I drive for two years no accidents or claims..then I deserve my money back...it just doesn't work that way..they 'took the risk' during that period, so regardless of a claim or not, 'they get the money'
There are some 'different' things in your OP though, so I've sent Ins. teacher a note requesting he pop in on this thread to check us.
Posted: Tue Feb 16, 2010 10:24 pm Post Subject:
As far as backdating the coverage, that isn’t really what they are doing. They are changing the effective date to the correct date (date of hire or when he enrolled for coverage/started paying premiums).
For example, my new job offered coverage for me, me and spouse or me and family. I signed up for family coverage and paid the premiums. Son went to doctor and bill was denied for no coverage. Called HR, they found that son and wife were never added. They contacted the carrier and had my wife and son added with an effective date of when I started paying premiums. Now I'm not owed money for my wife's coverage, since at the time she was not covered in the insurance company's eyes due to a clerical error.
The only problem I see on their part is the dental coverage. He was paying for it for a couple months and had the coverage (or assumed he had the coverage, and again if he would have went to the dentist they would have eventually covered the bill as he paid the premiums) The problem is that after the problem was found, why did they not make him effective for dental. Did he pay for dental for November and December?
Posted: Wed Feb 17, 2010 02:48 am Post Subject:
Sorry folks, been outta town on biz for a few days and haven't checked in.
Assuming we've pretty much drifted away from the original post about the guy who wanted his auto insurance backdated (more than likely to cover his butt for an uninsured incident), Dasfuk is pretty much right on target with this latest thread change into the health/dental arena.
It's pretty simple. An insurance company cannot keep premium for which they have not provided coverage. So......... :arrow: :arrow:
If the employer withheld premium from the son's paycheck effective on a certain date, the coverage is normally effective within a certain period of time after the premiums are paid. Now, group health acts a little differently than individual contracts here.
Not all group health policies grant coverage upon the payment of a premium. I'm not talking about insurability issues here, I'm saying that I've seen many plans that will make coverage only on certain dates of the month, for example the 1st and 15th. So, I suck the money out of your check on say, the 3rd of the month, and you might not see coverage until the 15th or possibly the first day of the next month. But that doesn't seem to be the issue here, as we're talking August/November here.
My son got laid off last March and was re-hired in August 2009. In August he again began contributing weekly to his insurance. health and dental.
So, they started the payroll deductions in August. At minimum, the coverage should have kicked in 9/1. But there's another possibility- pre -existing conditions issues.
Now don't start yelling at me about creditable coverage and blah blah blah. It seems to be pretty obvious, unless there's something we don't know, that there was a break in coverage of more than 63 days and therefore creditable coverage wouldn't apply.
So...there's the possibility (slim) that when
He went to the Dr. in Nov and they said he had no insurance.
what they really meant was that he had no coverage due to a pre-x exclusion. Now, I know this is unlikely, but I'm just sayin'...
Dasfuk hit it again with the idea of it's either "all or nothing" in the sense of you can't pick how you want in to work. Either the coverage is based on when the premiums were first deducted or get all of the money back. Can't "split the difference" so to speak.
So, I would require HR to give me PROOF of when the insurance premiums were forwarded to the carrier, and then I would contact the insurer directly (and don't speak to some low-level goober, get to a boss-type person) and verify the info I got from HR, and then I would get a copy of my summary plan description/master policy from HR/Bossman and see how the eligibility and coverage provisions apply, and that's when I'd start gettin' mad. You don't need a lawyer for this, you just have to get in people's faces. The meek shall not inherit the earth on this one.
Hey, I still want to hear what happened to the guy who started this post. He never came back and I wanted to hear his little whiny sob story about now the big, bad insurance company/state/agent/mother/father screwed him and it wasn't his fault he got busted for the DUI without insurance...
InsTeacher 8)
Posted: Wed Feb 17, 2010 02:57 am Post Subject:
bad insurance company/state/agent/mother/father screwed him and it wasn't his fault he got busted for the DUI without insurance...
I hate when that happens. :lol:
Posted: Wed Feb 17, 2010 05:46 am Post Subject:
I hate when that happens. :D
hahahahahahahahahahahahaha
InsTeacher 8)
Posted: Sat Mar 26, 2011 01:01 am Post Subject: Pretty much screwed
So I just moved back up to Alaska 9 months ago. My car has been up here for 6 months. It was registered in the state of Idaho in my Dad's name. Idaho changed their laws to require emissions tests. Kind of hard to get your car emissions tested when it is 3,500 miles away. They revoked my registration. My Dad sent me the title, and I lost the insurance coverage he was under. I make VERY little money, which is WHY some people have NO CHOICE but to drive without insurance. As soon as I possibly could, I got the title and registration in my name. AND THEN of course I got pulled over, I hadn't had a chance, or the funds, to get insurance yet. I TOLD the cop I didn't have insurance. He said he was giving me a "break" and providing me a "fix it ticket", and I had 30 days to get insurance. I got insurance, took it in to the police station, police station says, NOPE, didn't have insurance at the time, so you have to pay the $1050 ticket, or plead not guilty and go to court. SO, even though the cop LIED to me and gave me misinformation, looks like I'm pretty much screwed.
Posted: Tue Feb 16, 2010 02:25 pm Post Subject:
Kind of what you are asking to do , would be like, if I drive for two years no accidents or claims..then I deserve my money back...it just doesn't work that way..they 'took the risk' during that period, so regardless of a claim or not, 'they get the money'
There are some 'different' things in your OP though, so I've sent Ins. teacher a note requesting he pop in on this thread to check us.
Posted: Tue Feb 16, 2010 10:24 pm Post Subject:
As far as backdating the coverage, that isn’t really what they are doing. They are changing the effective date to the correct date (date of hire or when he enrolled for coverage/started paying premiums).
For example, my new job offered coverage for me, me and spouse or me and family. I signed up for family coverage and paid the premiums. Son went to doctor and bill was denied for no coverage. Called HR, they found that son and wife were never added. They contacted the carrier and had my wife and son added with an effective date of when I started paying premiums. Now I'm not owed money for my wife's coverage, since at the time she was not covered in the insurance company's eyes due to a clerical error.
The only problem I see on their part is the dental coverage. He was paying for it for a couple months and had the coverage (or assumed he had the coverage, and again if he would have went to the dentist they would have eventually covered the bill as he paid the premiums) The problem is that after the problem was found, why did they not make him effective for dental. Did he pay for dental for November and December?
Posted: Wed Feb 17, 2010 02:48 am Post Subject:
Sorry folks, been outta town on biz for a few days and haven't checked in.
Assuming we've pretty much drifted away from the original post about the guy who wanted his auto insurance backdated (more than likely to cover his butt for an uninsured incident), Dasfuk is pretty much right on target with this latest thread change into the health/dental arena.
It's pretty simple. An insurance company cannot keep premium for which they have not provided coverage. So......... :arrow: :arrow:
If the employer withheld premium from the son's paycheck effective on a certain date, the coverage is normally effective within a certain period of time after the premiums are paid. Now, group health acts a little differently than individual contracts here.
Not all group health policies grant coverage upon the payment of a premium. I'm not talking about insurability issues here, I'm saying that I've seen many plans that will make coverage only on certain dates of the month, for example the 1st and 15th. So, I suck the money out of your check on say, the 3rd of the month, and you might not see coverage until the 15th or possibly the first day of the next month. But that doesn't seem to be the issue here, as we're talking August/November here.
My son got laid off last March and was re-hired in August 2009. In August he again began contributing weekly to his insurance. health and dental.
So, they started the payroll deductions in August. At minimum, the coverage should have kicked in 9/1. But there's another possibility- pre -existing conditions issues.
Now don't start yelling at me about creditable coverage and blah blah blah. It seems to be pretty obvious, unless there's something we don't know, that there was a break in coverage of more than 63 days and therefore creditable coverage wouldn't apply.
So...there's the possibility (slim) that when
He went to the Dr. in Nov and they said he had no insurance.
what they really meant was that he had no coverage due to a pre-x exclusion. Now, I know this is unlikely, but I'm just sayin'...
Dasfuk hit it again with the idea of it's either "all or nothing" in the sense of you can't pick how you want in to work. Either the coverage is based on when the premiums were first deducted or get all of the money back. Can't "split the difference" so to speak.
So, I would require HR to give me PROOF of when the insurance premiums were forwarded to the carrier, and then I would contact the insurer directly (and don't speak to some low-level goober, get to a boss-type person) and verify the info I got from HR, and then I would get a copy of my summary plan description/master policy from HR/Bossman and see how the eligibility and coverage provisions apply, and that's when I'd start gettin' mad. You don't need a lawyer for this, you just have to get in people's faces. The meek shall not inherit the earth on this one.
Hey, I still want to hear what happened to the guy who started this post. He never came back and I wanted to hear his little whiny sob story about now the big, bad insurance company/state/agent/mother/father screwed him and it wasn't his fault he got busted for the DUI without insurance...
InsTeacher 8)
Posted: Wed Feb 17, 2010 02:57 am Post Subject:
bad insurance company/state/agent/mother/father screwed him and it wasn't his fault he got busted for the DUI without insurance...
I hate when that happens. :lol:
Posted: Wed Feb 17, 2010 05:46 am Post Subject:
I hate when that happens. :D
hahahahahahahahahahahahaha
InsTeacher 8)
Posted: Sat Mar 26, 2011 01:01 am Post Subject: Pretty much screwed
So I just moved back up to Alaska 9 months ago. My car has been up here for 6 months. It was registered in the state of Idaho in my Dad's name. Idaho changed their laws to require emissions tests. Kind of hard to get your car emissions tested when it is 3,500 miles away. They revoked my registration. My Dad sent me the title, and I lost the insurance coverage he was under. I make VERY little money, which is WHY some people have NO CHOICE but to drive without insurance. As soon as I possibly could, I got the title and registration in my name. AND THEN of course I got pulled over, I hadn't had a chance, or the funds, to get insurance yet. I TOLD the cop I didn't have insurance. He said he was giving me a "break" and providing me a "fix it ticket", and I had 30 days to get insurance. I got insurance, took it in to the police station, police station says, NOPE, didn't have insurance at the time, so you have to pay the $1050 ticket, or plead not guilty and go to court. SO, even though the cop LIED to me and gave me misinformation, looks like I'm pretty much screwed.
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