Which Insurance Would Cover My Sick Days-selfemployed?
Sep 18, 2008 by Aish | Posted in Insurance
In Canada/B.c
I am self employed and extremity to go for surgery. My recovering time is about 2weeks.
My question is (for future),
is there any medical insurance close by, which would cover or pay me for the days I miss working?????
P.S
My regular health coverage (medical and dental) is through my husbands m plan.
You can go to a existence company and purchase a disability policy that would cover what you are looking for. However with that being said you have a pre-existing get if you are looking to have surgery already so most likely there would not be any coverage. Good Luck.
Aflac has plans that will pay you for the heyday you miss.
Although, because this is a pre-existing condition, Aflac probably won't cover this particular instance.
RickyRedwood | Sep 18, 2008
You can go to a memoirs company and purchase a disability policy that would cover what you are looking for. However with that being said you have a pre-existing equip if you are looking to have surgery already so most likely there would not be any coverage. Good Luck.
Steve S | Sep 19, 2008
I Am A Selfemployed I Need To Get Good Medical Insurance I Am At Seattle Washington?
Jun 14, 2007 by jr | Posted in Seattle
Here is some info on the above mentioned action:
Mega (NASE) deductible is per confinement, which means if you go into the hospital 3 times in one year you have 3 deductibles to stumble on.
Lifetime maximum for Mega is $1 Million. Regular outstanding medical plans are $2 to $8 Million.
Mega has an annual superlative per illness of $500,000. Most Major medical have NO annual maximums.
Depending upon the behaviour, Mega will only pay UP to $500 per day if you are admitted to the hospital. Average daily fetch - $3000, Average stay – Three days. For the average asylum stay MEGA will pay up to $1500, you will pay $7500.
Depending upon the policy, Mega will only pay UP to $1500 per day if you are in ICU. Usual cost - $8000, Average stay – Two days. For the ordinary ICU stay MEGA will pay up to $4500, you will pay $11,500. Since most people (unless they’re insensitive) have a hospital stay after the ICU stay you can add in the above figures.
Doctor visits while you are in the health centre is limited to $50 per visit and limited to ONE visit per day. Average rate - $120, Average number of daily visits – TWO. For the average 3 day asylum stay MEGA will pay $150, you will pay $570.
Ambulance transport is limited to $250 per stumble and payable only if you are admitted to the hospital. If you are transported to the ER and not admitted - no benefits. The usual cost for ambulance - $1000. For the ambulance (if you are admitted to the hospital) MEGA will pay $250, you will pay $750. For the ambulance (if you are NOT admitted to the nursing home) MEGA will pay $0, you will pay $1000.
Air ambulance is not covered unless additional rider purchased. Peak benefits with Mega are $3500. Average cost - $12,000. Your bill - $8500.
Many other limitations for: varied hospital inpatient charges, inpatient and outpatient surgery, stereotypical physicals, anesthesiologist and more. Plus you have to pay the expensive yearly dues.
Most uniform policies do not have these limitations. If you go into the hospital everything is covered after you pay your ONE deductible and co-insurance.
Enlist in NASE (National Association of the Self Employed)
http://www.nase.org/.
They put on the market medical insurance and life insurance specifically desigined for the self employed.
From the locale you should be able to find someone in your area that works for them, and they'll meet with you and plan out a heath insurance rule just for you.
smilesnrainbows | Jun 14, 2007
Here is some info on the above mentioned tactics:
Mega (NASE) deductible is per confinement, which means if you go into the hospital 3 times in one year you have 3 deductibles to suffer.
Lifetime maximum for Mega is $1 Million. Regular pre-eminent medical plans are $2 to $8 Million.
Mega has an annual pinnacle per illness of $500,000. Most Major medical have NO annual maximums.
Depending upon the method, Mega will only pay UP to $500 per day if you are admitted to the hospital. Average daily rate - $3000, Average stay – Three days. For the average asylum stay MEGA will pay up to $1500, you will pay $7500.
Depending upon the policy, Mega will only pay UP to $1500 per day if you are in ICU. Usually cost - $8000, Average stay – Two days. For the regular ICU stay MEGA will pay up to $4500, you will pay $11,500. Since most people (unless they’re deathly) have a hospital stay after the ICU stay you can add in the above figures.
Doctor visits while you are in the facility is limited to $50 per visit and limited to ONE visit per day. Average fetch - $120, Average number of daily visits – TWO. For the ordinary 3 day hospital stay MEGA will pay $150, you will pay $570.
Ambulance transport is circumscribed to $250 per trip and payable only if you are admitted to the hospital. If you are transported to the ER and not admitted - no benefits. The usual cost for ambulance - $1000. For the ambulance (if you are admitted to the hospital) MEGA will pay $250, you will pay $750. For the ambulance (if you are NOT admitted to the infirmary) MEGA will pay $0, you will pay $1000.
Air ambulance is not covered unless additional rider purchased. Highest point benefits with Mega are $3500. Average cost - $12,000. Your bill - $8500.
Many other limitations for: sundry hospital inpatient charges, inpatient and outpatient surgery, boring physicals, anesthesiologist and more. Plus you have to pay the expensive yearly dues.
Most continuous policies do not have these limitations. If you go into the hospital everything is covered after you pay your ONE deductible and co-insurance.
Zarnev | Jun 14, 2007
the overwhelm place i have found out is to get all this info from the Department of Social and Health Services, they have the paramount info on insurance and can refer you to people who know a lot about it
undercovernudist | Jun 15, 2007
I Was Selfemployed Now Unemployed Can I Claim Job Seekers Even Though Iv Not Paid National Insurance?
Jan 03, 2007 by Paul S | Posted in Financial Services
i havent paid subject insurance for seven months
You can be entitled to Jobseekers Allowance (JSA) if you have not paid National Insurance (NI) contributions.
JSA is paid to all that fulfil the "means test" and only differs in that, if you have paid apportion NI contributions you will receive JSA for 6 months without the means test being applied.
JSA is not, in the mere, based on NI contributions. Income Support is only payable to those who are unable to vocation such as lone parents, ill health etc.
Survey with your local benifit office, if your total amount of contributions over the years are too low your jobseekers would be topped up by gains support.
Mark B | Jan 03, 2007
You can require Jobseekers Allowance (JSA) if you have not paid National Insurance (NI) contributions.
JSA is paid to all that endure the "means test" and only differs in that, if you have paid correct NI contributions you will receive JSA for 6 months without the means test being applied.
JSA is not, in the energy, based on NI contributions. Income Support is only payable to those who are unable to travail such as lone parents, ill health etc.
paul h | Jan 03, 2007
i seem to commemorate someone bringing this up and saying in your position you are able to claim but i think you have a waiting interval of 3 months before they pay you anything but get the Pensions Service online and you will be able to email on their own conviction line Good Luck
ruhtrachi | Jan 03, 2007
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You can go to a existence company and purchase a disability policy that would cover what you are looking for. However with that being said you have a pre-existing get if you are looking to have surgery already so most likely there would not be any coverage. Good Luck. 
ABC NewsGregory Graze, a 62-year-old from Dallas who is 
Washington TimesHOW YOU Prefer YOUR HEALTH INSURANCE: Self-employed people, uninsured individuals and selfish businesses could pick a plan offered through new state-based The Company of Ten's “Solution”: This is What Happens When You Give Five People Growing existing vigour programs could be good strategy.How health care got to this pointall 370 intelligence articles »
Bill Dodwell, proceed of tax policy at Deloitte, said: "The extra 0.5% hike in state insurance rates for employers, employees and the self-employed from Clobbering the mean earners: national Insurance raid will mean someone on Banker bashing smokescreen conceals acidulous tax rises for everyoneall 22 news articles »
ChattahBoxTake commentary warn of self employed. Small businesses are very important to the economy but many cannot pay for haleness insurance. And if they can afford it, The Public Option Dwindles As Lawmakers Compromiseall 36 talk articles »
Telegraph.co.ukNational insurance awaken 'madness'Chancellor Alistair Darling announced in the Pre-Budget Statement that NI rates paid by workers, employers and the self-employed would activate by a further 0.5% Pre-Budget report: National insurance will rise by further 0.5%Inhabitant Insurance to risePBR inflicts National Insurance pain - -all 1,717 word articles »
