Samantha Ames, 25, of Washington, poses for a portrait at her home in Washington, on Monday, March 12, 2012. As the U.S. Supreme Court prepares to hear arguments on President Barack Obama's health care overhaul, The Associated Press spoke with a variety of people to hear their experiences so far with the landmark legislation, whose major provisions don’t take effect until 2014. Reporters asked: How has the health care law affected your life? As a teenager, Ames was prone to ankle injuries playing catcher on baseball and softball teams. Last April, she tripped over her mini bulldog and badly injured her left ankle. Ultimately she needed surgery that cost her insurer $30,000. But she considers herself lucky. Only a few months before her accident, Ames had been able to get back on her parents’ insurance, thanks to a provision of the health care law that lets young adults keep that coverage until they turn 26. Nationally an estimated 2.5 million young people have gotten insurance as a result.
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In 2010, Congress enacted the Small Business Health Care Tax Credit to encourage small business owners to offer health-care benefits to employees-- and they threw in an incentive: a tax credit. If your business pays at least one-half the cost of health insurance coverage for your employees, you are eligible to take the credit.
But many businesses owners overlook this credit when filing their taxes. A recent report from the Treasury Inspector General for Tax Administration (TIGTA) showed approximately 4.4 million taxpayers potentially qualify for the break, but as of mid-May 2011, the IRS reports that just more than 228,000 taxpayers had claimed the credit for a total amount of more than $278 million.
The Congressional Budget Office estimated the Credit would cost $37 billion over 10 years and that taxpayers would claim up to $2 billion of Credit for Tax Year 2010. But it didn’t happen that way. It’s still too early in this tax season to tell if more business owners are taking advantage of this credit on their 2011 income tax returns.
Post hospitalization insurance for discharged patients to pay for the expenses in the provision of care for loved ones in the comfort of their own ...
my extended care insurance company told my home health care company that I have a certain amount of coverage.?
Jul 28, 2009 by Mark Goldstone | Posted in Insurance & Registration
The insurance company paid for the care,but realized they made a mistake and is demanding the money back. Is this a case of detrimental reliance?
No, it's a case of your insurance company realizing they paid for coverage you weren't entitled to, and asking you to refund what they paid.
And it really doesn't fit the category here, which is cars and transportation, insurance and registration.
oklatom | Jul 28, 2009
You work for a home care place, you drive them around, who is responsible for car insurance?
Feb 21, 2009 by Izzy | Posted in Insurance & Registration
My son got a no insurance ticket. He ended up taking the ticket instead of fighting it. It was not his responsibility to carry the insurance. His client's car his client's responsibility. You assume these idiots have insurance...so what can you do???
Have to agree with the previous answer. He's responsible to check into these things prior to driving any vehicle. These days you don't assume anything.
If the vehicle belonged to his employer (the actual home care facility) then they should be responsible. If it was an actual client that resides in the facility, again he's responsible to verify all of that prior to getting behind the wheel.
Kizzy | Feb 21, 2009
Actually it is his responsibility not to drive a car with no insurance. He needs to check to be sure the client has insurance and that proof is kept in the glove box.
Tina | Feb 21, 2009
WRONG. It is each individuals responsibility to insure they are covered before getting behind the wheel of any motorized vehicle whereas the operator is required to have insurance. In this world the first thing any person should be taught is not to assume anything. It is your own personal responsibility to learn and comply with the rules and regulations of every thing you do. If you drive learn the rules, if you go hunting, learn the rules. Information for most activity's are free of charge so there is no excuse for not complying.
ky509 | Feb 21, 2009
the driver is responsible for insurance
Ray G | Feb 21, 2009
If father adds his home care worker to his car insurance so she can drive him in his car, will that raise his?
May 06, 2009 by LINDA ♥ | Posted in Insurance & Registration
insurance rates? Do they look at her driving record to determine that? If it would increase his annual premium, by about how much would it increase? THANKS
Yes, insurance companies calculate the risk of insuring someone and that includes all drivers that will be using the car. If the home care worker has a good driving record, it may not be that much increase. Usually teen are more considered high risk to car insurance companies.
The best thing to do is to ask his insurance company how much the increase will be if he add the home care worker.
If the home care worker, lives in the same household, the father is required to add her/him. All licensed household members are required to be added to the policy unless they will be specifically excluded to the policy. If the home care worker doesnt live in the same household, some insurance companies cover those who just occasionally drive the car (even though they are not listed in the policy).
Don F | May 07, 2009
ask the insurance company
www.Cheapest-Auto-Insurance.biz | May 06, 2009
His insurance agency will have the answer. Have him call them and ask them.
David L | May 06, 2009
Yes it may. But in the USA (with rare exceptions) it is not necessary to "add any driver" to insurance since anyone with a valid license and permission will be insured anyway.
John H | May 06, 2009
It can raise his rates. Yes they will look at her driving record. How much it could raise his rates no one here knows because no one here knows what your dad's or the nurse's driving record is like. It could raise it 0%, it could raise it 500%. Call your dad's agent/broker and ask.
Gambit | May 06, 2009
For car insurance the quickest way to get a cheap quote is do a auto policy comparison. Be sure to choose the same coverage levels, you can get an quick quote to compare against others. Use the same coverage area, car make/model, mileage and driving history to make sure you get an apples to apples comparison. To get easy auto quotes, go to http://www.goodinternetdeals.com/Auto-In surance.html and you can compare all the major auto insurance companies.
Arlie O | May 07, 2009
I planning to run a home daycare. How do I find Insurance for child accident and liability?
Nov 09, 2007 by Sam S | Posted in Insurance & Registration
I need a list Canadian insurance companies for Home Child care?
Your friendly neighbourhood insurance broker, the same person who writes your auto, home, and travel insurance, can help you with this. Depending on the number of children you will have, and the company you are insured with, it may be a home business rider on your home policy. If you have over the limit that can be on your home policy (usually 3 or 4 children), a commercial policy can be written with many different companies.
A list is kind of silly, because there are over 600 companies, some licenced nationally, some regionally, some local to one province.
I also suggest contacting the local day care association. Assuming you are going to be a provincially licenced day care, they may have a policy available at a price your broker cannot match.
Fred C | Nov 09, 2007
Can someone sue my home owners insurance if I was in a car accident ?
Jun 29, 2010 by Bill | Posted in Insurance & Registration
I was the driver in a serious car accident. My friend was injured really bad.Can he sue my home insurance for pain and suffering? My auto insurance is denying his claim right now.I want him to be taken care of but I also want to protect myself. I own a condo unit so if he files a claim will this affect the other owners or the buildings insuance overall?
Your homeowners insurance will deny this claim. This is an auto claim. You have nothing to worry about. Why did your auto insurer deny his claim? Did you not have the appropriate coverage?
Long-term care insurance for seniors is necessity for many due to the fact that costs of in-home care or other medical needs that must be met later in life are often quite costly and, despite the fact that there have been reports that
The new health care law is supposed to fix the problem by guaranteeing access to affordable coverage for all. But many nursing homes and home care agencies, alarmed at the cost of providing health insurance to hundreds of thousands of health care Take a look at long-term careGovernment has responsibility amid focus on efficiencyNursing homes say health care mandate too costlyall 28 news articles »
Promote industry leading healthcare services, programs, and technology. Manage community activities. Maintain a working knowledge of Metroplex Home Care products, services, and industry trends. Work with team members who share your passion. and more »
From Medicaid to Managed Care: The Christie Administration's Plan to Slash NJ But in just 38 days Theodora's carefully constructed system of homecare could be torn apart. As one element of a massive effort to save more than half a billion dollars in healthcare costs, New Jersey plans to move hundreds of thousands of Medicaid and more »
Illinois Nursing Home Abuse Blog (blog) - May 23, 2011
One advocate explains, “If employees have health insurance, they are more likely to be treated for illnesses, less likely to pass on infections to nursing home residents and more likely to get early treatment for occupational injuries.” Home care and more »
