Recent content by cbg

There's a Canadian children's book where an old woman is giving "life wisdom" to her six year old great-granddaughter, and mentions that it has been 30 years since anyone called her by her name. She is Mother, Grandmother, Mrs. Lesley, but to no one in 30 years has she still been Edith.

Then your attorney needs a remedial course in insurance law.

Self insured and self funded are two different names for the same thing. Plans that are not self-insured/funded are called fully insured. That's the TLDR for Army's post above

https://www.thelaw.com/threads/political-posts-threads-etc.84379/

I (currently) disagree that government sources are trustworthy. At least the Federal government, which apparently is so unfamiliar with truth that it wouldn't know it if Truth punched it in the face.

A word on at-will vs right to work. At-will is the doctrine under which an employee can quit for any reason, and an employer may term them for any reason that does not violate the law (barring a contract or CBA that says otherwise). Right to work means that you do not have to join a union to...

Florida closed their state Department of Labor about 20 years ago. There are one or two others as well, and the Georgia DOL has been described as a post office box where no one ever picks up the mail.

It's a little hard to follow what happened when, but FSA's go by date of service, not by date of billing, and they are use it or lose it in both directions. If the service was in 2024 (it's not clear if it was or not) then it goes against your 2024 balance, not your 2025. It has nothing at all...

I'll complete the hijack, since I did ask the question. With an HMO it is quite unlikely that your doctor has the option of waiving the copay for you, or that you have the option of not paying it. It's contractually written into your insurance policy.

My apologies to gerard2026.

Brooklyner12, may I ask what kind of health insurance policy you have? I don't mean BCBS, Aetna, UHC; I mean HMO, POS, PPO?

Your beef is not with Geico but with the NY DMV. I have never dealt with such a group of incompetent bureaucrats as they are. Geico is reporting on the information they received, but the information came from the NY DMV. I have no doubt that the NY DMV denied sending such a report to them...

...assuming that your insurance contract does not prohibit it. Admitted, it is unlikely to prohibit the doctor from requiring your co-pay upfront, but I have seen policies that prohibited requesting a deductible up front. Read your policy.

Asking, not arguing. Has it been determined whether he is, in fact, an MS-13 (or any other gang) member? For fact and not via rumor?

The answer is both yes and no. It would be illegal to lay someone off for the sole purpose of depriving them of vesting in a pension or other retirement plan, or to prevent someone from qualifying for benefits that they would otherwise be eligible for. Please note that someone who is just...