Birthday Insurance

Posted: Fri Mar 23, 2007 08:30 am Post Subject:

heheheh that some creepy stuff down here. Birthday Insurance, SPecial part Insurance
Buddy , I need an insurance for the model i made for my project and i also need an insurance for my hair ( wat if they get lost hehehe)
yea wat abt taking an insurance on my hair.... Now i agree t hey are long enough and would get a large premium rate so far as (life is hig)
but isn;t it a great thing,, get you hair insured and start earning day by day yor hair falls offf.... By the time u get older , all your hair falls off.. and no need to worry abt hair loss coz its been compensated by the money you ge.. wat ya say Big Bosses of INsurance....... Serious Advice to Insurance Companies " Donot ever start such kindaa thing"

And wat about other things like Teeth , Skin Colour etc..hehe ..any waz lots of jokin still i feel there may be speculations on type of insuranc e you get for such items.....

Posted: Fri Mar 23, 2007 08:42 am Post Subject:

Seems you have a good sense of humor, too. :)

Posted: Fri Mar 23, 2007 12:11 pm Post Subject:

;) yupss dude.... hey why dont any one reply....is there any such option available coz damn dude m all excited after discovering me new Busines PLan hehehehehehe..Will keep on posting..
And yea More is Better

Posted: Fri Mar 23, 2007 12:42 pm Post Subject:

hey why dont any one reply....

Posted: Sat Mar 24, 2007 04:09 am Post Subject:

yeaa all right fellas..... come wen u all get them insured off... Dont hesitate over the amount of premium they ask for damn pay any amount.. all is profit.. its wud be d best sure shot profitable business and now sincerely.. stop wasting money on your shampoos and on the saloons......

Posted: Tue Mar 27, 2007 10:00 am Post Subject:

heheheh dat is rather kool Hair Insurance...Seems like some one already copied dat idea of urs.Guess whooo.....Me obviously.

Posted: Wed Aug 22, 2007 05:19 pm Post Subject:

Wow, this post is getting just a bit strange.....LOL

As to the OPs question, here we go.

The Coordination of Benefits provision:

1. establishes the order of priority of payment if you are covered by more than one GROUP medical insurance plan. It does not coordinate individual plan; they have their own policy language for these situations.

2. states that the "birthday rule" (not birthday insurance) applies, and this means, as correctly stated by other replies, that the plan of the parent whose birthday falls earliest during the year would be the primary provider of coverage, with the other parent being the secondary, or "excess" provider. If the parent's birthday falls on the same day, whichever parent has been in their plan the longest would be primary.

3. IS provided for by statute in all states. It started initially from Wa. D.C. as a model that could be adopted by all carriers, and it has more or less become standardized throughout the country. Look to your individual state for tweaks on the federal language.

4. Keep in mind that if a family court required a particular parent to carry the coverage on the kids- the birthday rules can easily go out the window. The statutory language recognizes this, and if a court says that parent "X" will provide the primary coverage, then the insurer must comply.

There is more to this, but not much. It was initiated to take care of the confusion that occurred without the rule. It was really strange back in the day how coverage applied if you had more than one group policy, especially if you had a kid! Phew!

Hope this helps!

InsTeacher 8)

Posted: Wed May 28, 2008 07:38 pm Post Subject:

This is quite a new term for me "Birthday Rule". I would love to know more about it. Please do post your reply as soon as anyone gets some more information on this. Sounds very interesting!!!!

Posted: Mon Jun 16, 2008 06:00 pm Post Subject:

Actually, this is also the first time that I heard about birthday insurance. I try to search about it over the Internet and here's what I have found.

According to one blog:

Birthday Insurance,” a type of Life Insurance that sends grandchildren a birthday card and a check, for the rest of their lives after their grandparents passed away

Posted: Tue Aug 18, 2009 11:44 pm Post Subject: Birthday Rule

My co-worker stated that if we were married and he had health insurance coverage and I had seperate health insurance covered (different employers), that the birthday rule would apply even to spouses.....not just the kids...I never heard of this, but he insisted that the borthday rules not only applies to children, but to spouses who have their oven single (EE only) coverage....Please explain. 08/18/2009 Thank you