Should I include my wife on my car insurance policy if she only has a permit?
From reading the other answers, I will be the only one taking a different position. I’ll speak for New York but this would apply to many other states.First and most importantly, she would be covered in the event of an accident whether you call your insurance company or not.Your spouse, if resident of your household, automatically becomes “You” by definition in the policy, giving her “Named Insured” status without actually being named.Since she is covered, just like you, without calling the insurance company, or adding her as a driver, we are just talking about money, or being charged a premium.From an ethical standpoint, I don’t believe my insurance companies should be charging for someone with a permit as if they were a driver. To dramatize the point, let’s take a teen driver. A teen driver operating with a permit with a parent sitting next to them does not present the insurance company with the same propensity of loss (risk of a claim) as that same teen driving by themselves, or with a group of teens in the car, and no parent.Many insurance companies will add a driver with a permit, usually a teen, as a full driver, and apply a very hefty youthful operator surcharge. I don’t think this is warranted and doubt that accident statistics would back this up.Other carriers will list the permit driver but not charge until they pass their road test and can legally drive without a parent or adult supervising operator. I think this is fair and statistically sound.Now it the insurance carrier asks for a listing of all drivers including those with permits, you should be honest and list them. If there is a significant premium charge and the permit holder will not be getting an actual license for a period of time, you might want to to switch to a different insurance company.Insurance companies need to charge enough to pay claims, overhead, and a profit but they should strive to be fair with their clients who pay the bills.
Can a girl suffering from psoriasis get married?
I understand the context of this question. These is usually a social stigma with people suffering from skin disorders. However, I would like to narrate my story to you. I am not the person who has Psoriasis but I married one. We got married on 23rd November 2017.We have been dating since 2009 and she got diagnosed about 4 years back. We have tried a lot of therapies but none seems to work as a permanent solution.Her family was very worried about her marriage but I assured them not to worry. Only my mom knows about her condition and we decided not to highlight her condition in front of other family members.My wife has Psoriasis on both her legs and arms. 1 patch is particularly bad on her left toe and it got her worried a lot. But on the wedding day it was all concealed by proper makeup, clothes and correct choice of footwear.So, yes, a person suffering from Psoriasis can get married.
If I am under 26, can I stay on my parents' health insurance if I live in another state?
If you live in another state, your access to health care will be super limited if your parents have a plan elsewhere. Your other options for getting insured include:Getting a plan through your school or employer.Signing up through HealthCare,gov or your state’s exchange (where you’ll probably get some financial aid to help pay for premiums).Enrolling in a catastrophic plan, which provides minimal coverage for a reasonable monthly premium cost. (Note: You can only stay on this kind of plan until you turn 30.)Signing up for Medicaid if you meet the income requirements.This article has more details on your options. Good luck!
Can I keep my Medicaid under my maiden name?
You name cannot be changed for Medicaid until it is changed at the social security office, and you are issued a new social security card. Your name for Medicaid purposes is your maiden name. You cannot change your name with Medicaid until you provide proof you changed it at social security. Mail a copy of your new social security card to social services and they will change it. Your Medicaid account is a number, not a name.
Girlfriend doesn't want to get married but want to spend the rest of her life with me?
Your biggest problem is LEGAL issues. What happens to your house if SHE decides to leave? What happens to your kids if she decides to leave? How much insurance does she get if you die? How much insurance do your KIDS get if she dies? Most states no longer honor the old "common law marriage" any more. because of the gay marriage activism, mortgage companies, loan companies (like for car loans), and insurnace ciompanies are demanding PROOF of marriage before they will issue or honor a policy! SO . . . You have a $500,000 life insurance policy. Now, you get hit by a bus. Since she can't PROVE that she is your LEGAL spouse (you are unmarried) then she gets NOTHING! What if youa re in a coma? Who decides if they "pull teh plug" or not. it is SUPPOSED to be next of kin -- your wife. BUT YOU ARE NOT MARRIED! Therefore it could be your "little" brother, or even some judge some place. What about kids? If you have them unmarried, then if she decides to leave she can simply walk out, taking them with her. She will say that they are not really yours, that she was sleeping with someone else at the time. you have no legal claim to see your kids, but she STILL gets child support! There are MANY MANY legal aspect of marriage that you canNOT afford to waste. She's right -- if you are in love then you don't need a ring or a fancy ceremony -- but someone who is TRULY in love will want to protect their partner in adverse circumstances, and to do that YOU NEED A MARRIAGE LICENSE!!!! Tell her to get married or get lost. If she refuses to get married then she is NOT as smart a woman as you need, and she is NOT truly in love with you. Losing her will be painful but short lived, as you find a more intelligent woman to spend your life with.
Obamacare health insurance question?
My child will be 26 next spring. They just started working full time, but no insurance offered. I understand they can stay on my husband and I's insurance until 26. My question is when they turn 26 in the spring, how can they sign up for coverage when open enrollment doesn't happen until November?