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09
BILLY SHEARS HAIR SHOW-KITCHEN BUSTERS PT 1
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Rates charged will vary as to gender and smoking status. The classification may vary between companies and the number of classifications may vary from as few as five to twenty or more.Occupations are grouped into classification and under writing is restricted to proper occupation classification.
Occupational Classifications are rated on their morbidity exposure and based on the answers received below:
/>1. Is the occupation and income stable and permanent
2. Does the occupation require travel and what is the normal location of the individual’s work site?
3. What are the work duties?
4.Does the occupation require a regular work schedule?
5. What economic, social or environmental factors impact the worker?
6. Are there any health or hazards related to the individuals job tasks?
The classes will vary by company, but I can tell you how one of the companies I deal with does it. They use five classes, as follows:
1. Class 5A
a) Professionals work in the office.
b) White Collar Executives that is in a senior position with senior duties.
2. Class 4A
a) Professional work outside the office with no hazardous duties.
b) White collar executive that is less experience and duties than someone at a 5 A level.
3. Class 3A
a) those work in non-hazardous occupations such as manufacturing agents, certain clerical duties like an auctioneer or surveyor.
b) Occupational demands that take them out of the office on a regular basis.
c) Supervisors, superintendents, contractors and inspectors.
4. Class 2A
a) Light manual occupations, such as hairdresser and barber.
b) Skilled trades people with good occupational experience, including plumbers, and painters.
5. Class 1A
All other insurable occupation workers.
Some occupations are not insurable. Disability insurance are harder to get issued than life insurance policy and it requires more detail.
The waiting period for these type of policies usually are 14, 30, 60 or 90 days and the benefit amount is based on a percentage of pre-disability income and is determined by the companies.
I hope this information will help. If you need more information of the about subject, please visit my home page at:
http://lifeanddisabitityinsuranceunderwriter.blogspot.com/”>http://lifeanddisabitityinsuranceunderwriter.blogspot.com/”>http://lifeanddisabitityinsuranceunderwriter.blogspot.com/
http://businessdisabilityinsurance.blogspot.com/”>http://businessdisabilityinsurance.blogspot.com/”>http://businessdisabilityinsurance.blogspot.com/
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Help answer the question about hairdressers insurance
What are all the necessary things you need when moving out of your parents house?I'm planning on moving out of my parents house into appartment in two years hopefully. Right now I am trying to compile a list of all the things I will need to start fresh and I'm researching the cost of all the items, this way I can start saving now and have enough money to buy all the stuff when the time comes. I also want to have a fresh start grocery list also so that I will have enough money for that too. I will be putting away all my money minus gas and car insurance starting now and I will have a full time job as a hairdresser when I move out. I will be most likely sharing the appartment with my bestfriend who also has a full time job and we will be sharing the expenses.
10 Comments
June 30th, 2009 at 1:07 am
More than likely. As long as you are generally healthy and have no terminal illnesses you will be able to get the life and disability policies. Contact a local independent agent for more help.
With the unemployment insurance it doesn't matter your health conditions. Contact your state employment office for more information.
June 30th, 2009 at 1:07 am
Anything with the state pays good and offers good benefits.. He might want to get a job at a factory too (not quite as good pay or benefits, but desperate times call for desperate measures)… I am really sorry to hear that u had childhood cancer. Your man needs to get his butt in gear and take care of you!!!
June 30th, 2009 at 1:07 am
June 30th, 2009 at 1:07 am
June 30th, 2009 at 1:07 am
Depending upon income Medicaid is the only solution unless she can go on a payment plan….The hospital may negotiate IF its medically necessary….Another alternative is that she may be able to convince her employer to get a group health insurance plan. SOME companies actually will cover 1099 employees….Have her talk to an insurance agent to see if that is a possibility….
Good luck to her….
June 30th, 2009 at 1:07 am
These situations are always fun after a storm but they are something that can be resolved.
Let me tackle a an issues before I get to the value stuff. These storm claims are called CAT (short for catastrophe). When they occur companies will bring in adjusters from other areas so they can get cars and house inspected quickly. The guy who appraised the car doesn't need to have a license because Missouri does not require adjusters to be licensed.They should but they don't. And to be honest with you he doesn't really need to know the laws either. He just needs to be an expert at appraising car damages and evaluating total loss damages. His inspection report should have been given to a Missouri adjuster to settle the claim with your mom since they would know the laws that would apply to the claim. If that didn't happen then your company shouldre-think their processes.
First off, everybody thinks their car is worth more than it is. Everybody, even adjusters. Here is what I suggest.
1. The biggest hurdle you have is proving your car is worth more. just thinking or feeling it is worth more doesn't cut it and it certainly wouldn't work in arbitration or court.
2. Your mom, not you, has the right to see whatever documentation the company used to put a value on the car. Most companies use CCC reports which are computerized reports based on actual cars sold, not just a book price. The report should show real cars sold and their "selling price" NOT the "asking price." If she doesn't have a copy have her get one ASAP and read it over. She will learn a lot from it. Make sure it shows the correct mileage and options.
3. You said you did tons of research. That is the key to getting more money. Find other cars for sale and compare them to the figures the company came up with. Remember that what you will see is the asking price so that will be higher than what the cars you find will actually sell for. This will give you an idea if the value from the insurance company is legit or not.
4. If she comes up with good documentation then your mom should call the insurance company and ask to talk to a manager. She needs to be polite and professional. No yelling etc that will get her nowhere. She should not tell the manager that she has been with the company for years and never made a claim. That means nothing at all. Sorry, but that is the truth.
Good Luck
–EDIT–
If she has good documentation then she should check her policy to see if it has an "appraisal clause" in it. If it does, she can request that process in writing to help resolve this claim. It's a pain in the butt process and she will have to hire an auto appraisal expert to help her, so there is cost involved on her part.
June 30th, 2009 at 1:07 am
Congrats on your desire to move out. Having a roommate definitely cuts the expenses in half.
Costs of everything is higher than expected. If the rent is $700 a month a security deposit of the same amount is needed at signing a lease…sometimes "first and last months rent" is expected as well. That would be $2100 divided by two people.
Then are are all the utilities and the start-up fees for water, electric, gas, sewage although many apartments already provide for "Free" water. Telephone and cable can be costly, though, running $100 a month.
Food can be high as well…figure at least $300 per person and that includes restaurants and snacks.
Don't forget your cell phone.
So…budget for $1500 a month for everything, to include you gasoline and insurance.
As for furniture, most parents dance with delight when Baby moves out and are always more than glad (sometimes too glad) to get rid of their older furniture. You may get your bed, couch, pots and pans from your parents. Checking out garage sales also helps.
The most important part though is sustaining a job BEFORE you move out. Your independence is wonderful but it will cost you.
June 30th, 2009 at 1:07 am
June 30th, 2009 at 1:07 am
yes you can
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