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FAQ

How much time and money does it take for a new startup (50 employees) to fill out the paperwork to become a group for the purpose of negotiating for health insurance for their founders and employees?
I'm not sure if this is a purely exploratory question or if you're inferring that you're planning on navigating the group health insurance market without the assistance of a broker. If the latter, I'd caution against it for several reasons (which I'll omit for now for the sake of brevity).To get a group quote, generally all that's needed is an employee census. Some states apply a modifier to the rate depending on the overall health of the group members (for a very accurate quote, employees may need to fill out general health statements).Obtaining rates themselves can take a few minutes (for states like CA which don't have a significant health modifier) to several days.I suspect your cor question is the time/effort required once you've determined the most appropriate plan design for your company. This is variable depending on how cohesive your employee base is.Best case scenario - if all employees are in one location and available at the same time, I could bring an enrollment team and get all the paperwork done in the course of 1-3 hours depending on the size of your group. In the vast majority of cases, the employer's paperwork is typically around 6 pages of information, and the employee applications about 4-8 pages. Individually none of them take more than several minutes to complete.Feel free to contact me directly if you have specific questions or concerns.
Why don't schools teach children about taxes and bills and things that they will definitely need to know as adults to get by in life?
Departments of education and school districts always have to make decisions about what to include in their curriculum.  There are a lot of life skills that people need that aren't taught in school.  The question is should those skills be taught in schools?I teach high school, so I'll talk about that.  The typical high school curriculum is supposed to give students a broad-based education that prepares them to be citizens in a democracy and to be able to think critically.  For a democracy to work, we need educated, discerning citizens with the ability to make good decisions based on evidence and objective thought.  In theory, people who are well informed about history, culture, science, mathematics, etc., and are capable of critical, unbiased thinking, will have the tools to participate in a democracy and make good decisions for themselves and for society at large.  In addition to that, they should be learning how to be learners, how to do effective, basic research, and collaborate with other people.  If that happens, figuring out how to do procedural tasks in real life should not prmuch of a challenge.  We can't possibly teach every necessary life skill people need, but we can help students become better at knowing how to acquire the skills they need.  Should we teach them how to change a tire when they can easily consult a book or search the internet to find step by step instructions for that?  Should we teach them how to balance a check book or teach them how to think mathematically and make sense of problems so that the simple task of balancing a check book (which requires simple arithmetic and the ability to enter numbers and words in columns and rows in obvious ways) is easy for them to figure out.  If we teach them to be good at critical thinking and have some problem solving skills they will be able to apply those overarching skills to all sorts of every day tasks that shouldn't be difficult for someone with decent cognitive ability  to figure out.  It's analogous to asking why a culinary school didn't teach its students the steps and ingredients to a specific recipe.  The school taught them about more general food preparation and food science skills so that they can figure out how to make a lot of specific recipes without much trouble.  They're also able to create their own recipes.So, do we want citizens with very specific skill sets that they need to get through day to day life or do we want citizens with critical thinking, problem solving, and other overarching cognitive skills that will allow them to easily acquire ANY simple, procedural skill they may come to need at any point in their lives?
What rules of thumb are there for figuring out how much life insurance to buy?
If you are not married, and have no dependents, then you don't need life insurance.If you are married and your spouse also works, one year's salary is enough insurance for them to cover funeral expenses, mourn, and move to a smaller home and sell the current house if needed.If you have dependents, and/or your spouse doesn't work, the situation becomes very dependent on your personal finances overall. Assuming you are a one-income household, with two pre-school aged children, you may want to consider a total life insurance value equal to enough money to cover:-Cost of paying off your mortgage immediately-Cost of fixed annuity to pay for annual expenses for your spouse, less housing cost-Children's educational expensesThat's the most common rule of thumb, but you should consider whether it is an outdated notion that your spouse will never be able to work or prfor themselves if you die.Also, whether you believe that parents should pay for a child's college education, or even whether a child needs to go to college (or a state school vs. private school) can impact that part of the equation.As you age, you will likely set aside 529 plans for your kids, pay down your mortgage, etc. In that case, you should adjust the total value of your insurance downward to save yourself on monthly premium costs. The very wealthy self-insure for the most part - you want to move in that direction as your personal wealth increases.Finally, don't mix investments with insurance. Insurance is for protection only. Therefore, "buy term and invest the rest" is the best advice. Whole insurance makes it difficult to remember how much you are spending on the insurance part, and how much you're investing.
How are group life insurance rates determined?
By a list of employees at the beginning of each year as to sex, age, and numbers, then the type of business, its dangers, and type of people usually in such a business based on experience with same types.The premium for youngsters with lots of baby-making is more than middle-aged with no baby making, all males is less than females who have more complicated bodies, etc. Then there’s the amount paid by the employer, 100% of employees would be covered, less % would call for 80% participation-like that?Less than 25 employees is not true group insurance, just less administration costs, so it’s premiums are different.
Can my doctor refuse to fill in my life insurance paper work requested by them to insure my life?
The short answer is no. The long answer is: it depends on the reason. For example, many psychiatrists or psychologists do NOT want to release their records if they have been prescribing you anti-depressants, anti-anxiety or bipolar medication. They may tell you that they are protecting you based on the "doctor/client privilege." The real reason is that they may not want to be the cause for your getting declined for insurability purposes. If your doctor is a psychiatrist /psychologist and you 1. are on any medication, and 2. are functional with stabilized emotions (you are productive, working full-time, have been able to keep a job for more than two years, have healthy relationships, etc.) then you may want to encourage your physician to release their records because barring any adverse health conditions, chances are, you will be approved. Taking anti-depressant/anxiety medication is so common in America today that it is no longer a huge concern for life insurance companies. However, if you are not currently socially or emotionally stable, or your doctor has recently changed your medication (within the past 2 years) then you may want to decide to put off buying the life insurance for a couple of years until you are stable. The risk for putting off buying the life insurance is that you may actually die or your health gets worse If so, you will pay higher premiums (you will anyway just for being older) or depending on the worsening health may become uninsurable.If your physician is in a different field other than psychiatry and you are unsure of your health condition or background, it would be prudent to get an appointment and stress with your doctors that they divulge to you notes or comments and are not necessarily life-threatening. I have had many clients declined or placed on hold for life insurance because a doctor has written in their records that their patient drinks more than 2 glasses of wine after dinner, have had a nagging headache or stomachache and are now taking over the counter medication until it is clear that the patient is not a problem drinker, have brain tumor or stomach cancer, respectively.Otherwise there is no clear reason why your doctor may not want to release your records as long as you have signed all the proper authorization disclosures. The insurance company usually pays for a copying service to retrieve medical records and are very careful to follow HIPAA protocol.Caveat: it is important to understand that your doctor’s role is to maintain your current health and, if possible, give general or specific advice to improve your health. That is why they may want to see you for a "check-up" or schedule you for routine labwork so they can respond immediately if they discover new health risks. On the other hand, the insurance company has their one chance to evaluate your health and must make a judgment based on your "future risk" with an entire group of similar men or women who have ALL the common known and unknown health risks within your 10-15 age range based on your present health and any combination of medications, lifestyle, family history, occupational health and even a pattern of above or below average lab results.For example, your doctor may tell you that your cholesterol is in the "normal"range and will tell you that they see no problem with your health presently. Nevertheless your doctor will still want you to come back for your annual or bi-annual follow-up appointment so they can respond with treatment "as needed." Meanwhile the life insurance company projects your "insurable risk" based on your general benign health factors as compared to extremely healthy men or women with no factors. The company will consider all possiblilites to determine the mathematical (actuarial) risk of when you will die. That is why most men and women will be approved for life insurance at their younger age - they have the ability to improve their general health with exercise and diet even if there are common health factors present. That is, they are a better mortality risk.Furthermore, the older you are the higher chance that your health will deteriorate sooner. At age 25 more men and women will live the next 10 to 20 years when compared to men and women at age 65 with stellar health. In other words, since there is a 100% chance that all people die, getting older means that you no longer have the luxury of having 50 to 70 more years until deathr when compared to a a 25 year old. If this is confusing look at it this way: imagine that you have a 7 year old washing machine while your neighbor has a brand new washing machine. It would then be foolish for me to expect or bet that in the next years your washing machine will not break down and that your neighbor’s washing machine will break down (all other things being equal). Doctors can tell you your chances of living and dying only after you develop a crippling or fatal disease while life insurance companies can determine with mathematical certainty your chances of living and dying even while you are still healthy.
How does group term life insurance work?
Dear Emily,A few quick points on group (employer-offered) term life insurance:It’s really cheap, buy as much as you are allowed—you get a lot of bang for the dollar,Realize that it is temporary and often not portable—which means not transferable to private term or permanent life insurance (but ask because it’s worth knowing),Remember that the longer you wait to take out permanent (whole) life insurance the higher the rates become because of age,If it were me, I would take out as much whole life (from the type of mutual companies I mentioned on earlier posts) as I could reasonably, comfortably afford (remembering it does build guaranteed savings over a lifetime which comes in extremely handy—wish I would’ve known about it), then supplement (based on a needs calculator like: Calculate Your Needs | Life Happens) with term life insurance to make sure you’re family is safely covered. Also remember, at 3% interest, $1M in coverage provides $30,000/year in income—not that much, really, so be careful.REMEMBER, privately owned term or whole life insurance is always the most valuable (that’s why it costs more), as you can “take it with you” no matter how many different employers you may have during your lifetime. Also locking in privately owned life insurance at younger ages (& better health) is the best way to save money on coverage.Hope that helps, a little. You’re welcome to call if you have questions.Sincerely,Robert Park (206.395.9501)