Trade credit insurance Puns

I’m in the laborers’ union in Boston. We make pretty good money ($41/hr). While I like my job, I only work about 1000-1400 hours/ year. I take the layoff come winter. Once I get my credit/ insurance I kind of say that’s enough. I’m 25 and live alone so I can afford it although I know others with families and mortgages need to work. Anyone else do this?

I currently tend masons/waterproofers.

Not *strictly* US Mobile related, but germane to me as I consider a move over from postpaid on the magenta-colored network.

Most of the benefit guides for credit card cellphone insurance say that "claims for phones on a prepaid plan" are not covered. This is a bit of a head-scratcher for me, because if I'm paying $75 / month each and every month for 3 lines of service, why is it materially different if I am paying in advance on prepaid as opposed to in arrears on postpaid. And if I can provide an invoices that shows I made the payment for a given phone number for a given month, again, what's the difference? I get that a prepaid plan where you buy a $50 card and enter a code on your phone to redeem it might not be covered...but that's old-skool prepaid, anyway...

I should probably call the benefit administrator to ask them, but was curious if anyone had ever had any success with such a claim?

For example, I currently enrolled in a plan that is 39$/month after a 294$ tax credit, assuming my income for this year will be around 13,000$.

Therefore, the cost monthly for the insurance before my tax credit  is applied is 333$.

My income is inconsistent dependent on how much I work as I am part-time.

Now, if I get a better paying job, will I have to pay up to the 333$ ceiling if I reach a certain threshold?

I am hoping that I can simply cancel (extremely doubtful) my insurance monthly in the event that I work more hours at my part time job or if I find a better paying job .

Anybody have experience filing a claim through their credit card insurance? As far as I know many banks offer insurances through their major credit cards. I have a paddleboard stolen out of my truck and my claim was just denied due to lack of evidence. They said I needed hard evidence, footage, eye witnesses or proof of damage. The lock was picked in my canopy and I have zero proof.... I was thinking of appealing it but now I'm thinking I'm just screwed.

Anybody have luck with these theft claims?

My Credit Union (Navy Federal) keeps trying to get me to accept a 2,000 dollar life insurance policy. They state its absolutely no charge to me and that it would payout to my family.

Is this just a legitimate (albeit tiny) benefit? Or is there something else at play that I'm not realizing? Also if it matters they also are my mortgage provider.

I don't particularly care either way, I have plenty of life insurance as is and 2k isn't really going to make much of a difference either way.

I work for a big chain company that was recently part of the data breach hacks that have popped up over the US as of late.

My company sent out a statement saying that while they dont think our personal information has been leaked, there is a possibility the hackers have access to our Social Security numbers, birthday's, bank account info, etc.

I received a letter in the mail saying that I qualify as a member of a class action settlement being made with my company. It says it entitles me to a few years of fraud protection insurance and credit monitoring, or I can take a to be determined cash sum, but I have to make the decision before the cash sum is determined.

Right now, I dont have a lot of money in my bank accounts, and my finance portfolio is not diverse. I have a couple hundred in one account, and I have a few open credit cards. Is it worth taking the insurance offer, or should I go with the cash?

Ive also heard of a third option, make a small claims court case? I've heard a few stories of people doing this independently with little difficulty and getting a bit more money. Is this viable?

It is confusing and I need help understanding it.

Edit: Can someone please explain it in baby terms for me. I know what premium tax credit is but how would it work when filing taxes. I used my premium tax credit for my healthcare plan but I am worried that I will have to pay it back.

I am currently on Long Term Disability through my employers insurance (Canada Life). My two year insurance runs out Oct 22nd, 2022. I've had both heels fused Aug 2019. The surgery failed. My left foot was redone Jan 2021, and I recently found out my right foot never fully fused either. I'm having the right foot redone this Jan 10th, 2022. Old sports injury in 2009 left me very disabled, losing all the cartilage in the subtalar joint over the course of time. I'm 36 years old. My question is - I'm eligible to claim government Disability Tax Credit for each year I have been disabled from it's inception in 2009. If I'm reading my contract with my insurance provider correctly, then I would be liable to disclose that information and subsequently lose my current insurance payments up until the offset has been deducted. With another year to go, I was hoping to start a company with that money, but not take a salary until after my insurance runs out. Am I on the hook for anything? Should I wait until after Oct 22nd, 2022 to file the DTC? Thanks.

Here is a transcript from the contract.

INCOME DECLARATION AND REIMBURSEMENT AGREEMENT Name: Group Plan: Portfolio ID:

I understand that: I am required to apply for disability benefits that I or another member of my family might become entitled to receive because of my disability, and that I may be asked by Canada Life to reapply or appeal decisions refusing my application(s) where considered appropriate.

during the time it takes for my application for these other disability benefits to be accepted, or my entitlement to any other reportable income to be reviewed, Canada Life will continue paying me amounts equivalent to the disability benefit payments I am eligible to receive under the Group Plan, provided I continue to be eligible for these disability benefit payments under the Group Plan (the "Advance"). The terms "other disability benefits" and 'other reportable income" refer to any of the types of disability benefits and other income mentioned under the Offset, All Source Maximum, Caardination of Benefits and Subrogation and Right of Recovery provisions under the Group Plan, as well as any other amounts, including damages for loss of income, that I may receive or became entitled to receive as a result of my disability.

if I am entitled to receive disability benefits or any other reportable income, this may result in an overpayment ("Overpayment") that I will be required to pay back to Canada Life

My sister's card was used to pay for my dad's insurance premiums. He's been dead for 8 months now and the insurer said we need a grant of administration to cancel his insurance policy. The grant of admin costs $4000. My sister called the insurer several times trying to cancel his insurance. She sent them a certificate of death. No go. They said she needs grant of administration. They did say, however, that her credit card will not be charged this year's premiums (2022) and that they will send her information in the mail and she can choose to pay the premiums however she wants. Two different people she spoke to said this, the last conversation taking place in October. Today they withdrew $2000 from her credit card. This is for a policy for a person who doesn't exist any more and a car that doesn't exist any more. How does this make any sense and what's the right course of action?

I told her to ask them to release the recorded phone convos to her (presumably that's a right under PIPEDA, and I imagine PIPA in Alberta) and I told her to ask them to refund the money within a week under threat of disputing the charge with the cc. And if the cc doesn't resolve the dispute in her favour, she will file a civil claim. I'm not even sure if a civil claim is worth it. Does it cost anything to represent yourself in a civil claim for a small suit like this? Can you show up in front of a judge and just present some evidence? Can they take her money without her consent? (I understand she can't cancel his insurance policy, but it's still her money in this case).

Start with the services or credit cards you have had the longest, and then work through all of them. Note how long you have been a customer and that you have made on time payments consistently over that period. Let them know why you are seeking a reduction -- medical bills, between jobs, a desire to pay off your loans, or, best of all, a better offer from a competitor. If they won't give you a better deal on a permanent basis, ask for a temporary break for a year or so.

Do this every three to six months since deals change all the time. Also ask about better rates any time you happen to be on the phone for other reasons, such as for technical assistance. Research deals offered by competitors. Save any offers you receive to use for negotiations.

Always be prepared to cancel services, especially if you aren't really using them. If you aren't sure, you could suspend them for a while and see if you really miss them.

But do be aware that canceling credit cards often could negatively affect your credit score. So you can't just jump around to new credit cards every six months without consequences.

Keep track of your subscriptions and be aware of scams where you are tricked into subscribing or rates suddenly go up dramatically after an introductory period. This is especially important when you autopay -- which is a good practice as long as you keep track of those payments.

Why YSK: Customers who call to negotiate the costs of streaming services, insurance premiums, cable bills, cell phone plans, gym memberships, and the APR on credit cards are often successful in reducing rates. It's worthwhile to take the time to do this every 3-6 months, since deals often change. And it's worthwhile to review all subscriptions to see if there are any that can be canceled, or perhaps you weren't even aware of. You can save a lot of money this way.

I have an AMEX Cobalt card that offers 15 days of travel coverage. I’m confused as to if it will cover me if I’m not buying a flight or hotel or anything. For example, I’m driving through the states this month. Will I be protected?

Forget that the term “rainbow baby” is for referencing the passing of an infant due to natural/tragic/extenuating circumstances. Amy has decided that this term applies to the infant daughter that her husband drunkenly killed (the same husband who was charged with felony domestic violence) after a night of pandemic partying by Storm and Amy.

Additionally, as a former public school teacher, Amy seems to be unaware that unprotected sex is what causes babies. It has also slipped her mind that rainbows don’t occur indoors and despite the fact that she calls herself a “photographer”, she appears to be oblivious to the occurrence of what is commonly referred to as a lens flare.

Hey guys. I'm set to close on the 30th and chosing not to escrow my insurance and wondering if it would hurt anything for me to put it on a credit card for the points vs just paying it via debit.

Hello everyone, I live in the State of Texas.

On September 2019, I visited a emergency care center because I sat on the corner of a pane of glass and put a hole in my butt cheek that required staples.

While I was there, I gave them all my information including my health insurance information. In November I received a bill from what I now know is the facilities I was at. My insurance paid and I also paid whatever sum out of pocket. Fast forward to last week, I check my credit report and I see that I’m in collections for $1309. Did some digging and found out it was the “physicians group” from the emergency care center I was at.

The problem is, they never attempted to bill my insurance. My insurance company has no history of ever receiving anything from this physicians group, only the facilities I visited. I have a 100% on time payment history and almost an 800 credit score, so naturally this is incredibly frustrating to me.

My insurance company said they wouldn’t pay out the bill because they waited so long to submit it. Texas has a state law (SB 1264 86th legislator) that went into effect on September 1, 2019 that states if the care facility does not bill by the 1st of the 11th month after the date of service, that the facility can no longer bill your insurance or go after you if they miss this deadline.

To me, this means the collections account on my credit report has illegally been placed there and they are illegally trying to collect a debt.

Obviously a debt validation letter would be in order, but should I include language from the SB 1264 bill in this letter? Is there a state agency I can file a complaint with?