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@axescot Please read my note directly above your most recent one.

OP, with regards to your report, the poster asked you whether or not, in your culture, wives were considered the property of their husband. It was a question ,not a declarative statement.

No. Maryland does not have to side with you and approve your benefits. They may. In fact, if you politely asked me for an opinion instead of demanding that we second-guess the Maryland UI Commission and provide you with a certainty, I would guess that it is likely you will succeed on appeal...

The thing is, in any state, the UI Commission operates on the assumption that either or both parties may be lying. But I've seen too many decisions, in either direction, that I disagreed with in the UI system to make any guesses as to how an appeal with end. And that's what you're asking us to...

It doesn't matter a damn what anyone here thinks. We don't get a vote.

You have the right to appeal the decision. Avail yourself of that right.

You'll probably pay a whole lot more if the pipes burst. Not to mention not having water for a while. Last year, despite our best efforts, our kitchen pipes froze. Thankfully they didn't burst. But we had no water in the kitchen for 24 hours until they thawed. Generally, running it just...

#2 represents well known and commonly used methods to prevent pipes from freezing. I have lived for over 50 years in Massachusetts; my husband got his undergrad degree from Syracuse and his grad degree from Minnesota, all area where pipes routinely freeze if you do not take precautions. We do...

It will certainly show on your record with them, whoever they are. Whether it will also show on anyone else's records depend on details you seem determine not to tell us.

WHAT criminal record are you talking about? We can't answer your question if we don't know what you mean.

I understand that you think you are asking a question that can be answered by a flat Yes or No. You are mistaken in that belief.

This thread is too much like being at work. We changed to Met Life a year and a half ago and have had nothing but complaints.

Other than emailing it and staying on the phone till the recipient gets it, I don't know what more to suggest then, other than to keep pushing on the DOI.

Has she tried mailing it certified, return receipt requested? Then she'd have proof of delivery and a name of the recipient. I've also accepted information by having someone email it to me while I was still on the phone with them.

If your wife worked for my employer, I am the one she would talk about this. Has she talked to her HR/Benefit department at all? They often have contacts they cannot share with employees, but who can cut through all the nonsense and get things moving. If she worked for my employer and she...

It's okay to take a 401(k) hardship withdrawal to pay medical bills that are not covered by insurance. If that's what you're going to use it for, there's no problem. It's if you were planning to use it for supplemental income, to pay household bills, that it would be at issue.

That is NOT an allowable hardship withdrawal reason under Federal law.

Once again, this is not illegal discrimination. They are not holding up the process because he is disabled; they are doing exactly the same thing they would do for anyone else. Once the POA is on file, they will speak with you.

Then you know that Federal law prohibits hardship withdrawals for any but six specific reasons. The payment of medical bills IS allowed. A supplement to LTD benefits is NOT.

Just for additional clarification; As I said, 401(k) plans are VERY heavily regulated by law. Each one has a plan document and that plan document is CARVED IN STONE. The requirements and the processes in that plan document, CANNOT, BY LAW, be varied one iota. If the requirement is that there...