I’ve been reading and have found out that many considers equitable a terrible company. However all the information I’ve read is more from an investing point of view rather that this scenario. So is it equally as terrible for 401k as with investing? Am I good to take advantage of the 401k while working here (I’m not planning to work there for years or anything) or should I just get that money and invest it myself on an IRA fidelity’s account?

I got into a car accident almost a year ago. The person I got into the accident with was insured by State Farm, the accident was in late May, she opened the policy at the beginning of May. At the time of the accident when I called State Farm to attempt to file a claim with their party’s insurance, I was told they couldn’t find the policy in the system. Upon following up numerous times State Farm ultimately denied coverage and I had to open a claim with my insurance. I was not at fault if that matters… My vehicle was totaled out, I paid my deductible and bought a new car with the check issued by my insurance. My insurance was unable to recover my deductible from the driver or State Farm and ultimately sent the file to collections. After the file was sent to collections they were able to recover the deductible, however are unable to tell me who made the payment. Fast forward a year later I get a call from State Farm regarding the accident. Apparently the driver was covered at the time, and they’re offering a settlement. I called my insurance to inquire if they knew the driver was covered and they sent over a copy of State Farm’s written statement denying coverage… accept the person listen under “Our Insured:” doesn’t match the name of the driver which is the same name on the policy information. My question is, I already signed the release for the settlement but this something worth following up on? I spoke to State Farm to ensure the party was actually covered and they confirmed she was. Or should I just wait for payment and let it be?

Last night I received a cancellation notice from progressive for “debris and hazards needing removal” and they said I needed a complete roof replacement. My roof is 13 years old but is in really good condition. No branches or leaves on it. No missing shingles. No hail damage or peeling. They didn’t even give me a chance to rectify the situation before sending me a refund check. The inspection report is bogus. The guy took the pics from the ground. I’m shopping around now but scared to get another denial by another inspector. I have high credit and pay everything on time. I have only ever had one claim and it was in 2024 and the adjuster said there was minor wind damage and we just needed to replace a few shingles which we did.

My dog is 10 years old (small mix 21 lbs) and we have had fetch insurance for 10 years. The premium increases yearly have been high, but this year it is ludacris. I just got an email that my premium will be increased from 1500 to 3000 this year!!! She has been pretty much a healthy dog except this past year she needed dental extractions. ideally, I wouldn’t want to change companies since she is an older age, but I cannot be paying $3000 a year. I have been looking for possibly switching insurances however, my concern is now that she is older and has had teeth removed—Is this considered a pre-existing condition? Sidenote, interestingly enough, I requested a brand new quote through fetch and they quoted $150 per month with the same coverage. Hmmm. Does anybody have recommendations for pet insurance plans?

After spending Friday with my 5 yo shihpoo in the ER with newly diagnosed IVDD, I went to submit my $600 claim only to discover my Wellness policy that I have had for the past 5 years was “expired”. I contacted Nationwide today and was informed that the policy is “no longer carried in your area and you need to reapply”. Now my dog has pre-existing conditions. I don’t remember receiving any correspondence regarding this (my policy was on autopay every month and canceled on May 1). Anyone else in a similar boat? I know Nationwide has been discussed ad nauseum, so my apologies if this is redundant.

I need advise/help on how to proceed. I live in Houston Texas and have lived in my house for about 11 years. We had some hail damage to our roof that happened last (2024) and have had at least 4 contractors come inspect our roof nd give us a quote. The cheapest quote so far is $9000. My home insurance is with All State. They sent adjuster to take a look at our and finally say the damage they see is not much and at most would cost $3000 to fix which is below our deductible. I am so upset. I have diligently paid for insurance for 11years without submitting a single claim and now I have a legitimate one they are giving us the run around. How do I proceed from here? There is absolutely no way to fix the damage for $3000. How can I make the insurance company pay for this? I am lost. Please any advise is appreciated.

Last month, I was laid off. I opted into COBRA with a start date of 04/01. The paperwork was sent to me last Wednesday, I elected into it Thursday, and paid my premium on Friday. Today, I logged into Cigna and it's showing I'm inactive with no insurance. After a few hours of customer service between the COBRA intermediary (WageWorks), they assured me I'm active and it takes a couple of weeks for Cigna to process. They sent things over yesterday and said my insurance would be dated 04/01. On the chat, Cigna wasn't able to help very much (which I understand). Is there anything else I should work on during this transitional time? Or, have others had success with waiting and letting the process work itself out? Thank you all so much!

At the end of 2024 my wife visited an allergist to try and get a handle on her allergies. A boat load of testing later and she needs allergy injections for her horrific environmental allergies to attempt to get control of them. Everything is good with this allergist at this point. It’s the end of December 2024 and the allergist informs her at her appointment at the end of the next month (January 2025) she will owe $1500 to start her year long series of injections. We have a HDHP with HSA so we totally understand that cost because the deductible resets. Well life punched us hard over the next month and my wife has ramped up her attempts to find a new job because she is so unhappy at her current one. Given everything going on and the fact that she isn’t sure if she will continue to have the same insurance or access to the same provider to complete the allergy injections if she gets a new job, she decided now isn’t a good time to start the allergy injections. So she cancelled her appointment 48 hours prior to the scheduled appointment. This provider did not give her any kind of verbal, written, mimed, carrier pigeon, etc policy related to appointments, billing, and/or payment policies for the practice. Nothing. So at the beginning of February 2025 she received a bill from Quest for the bloodwork she had done in December 2024. Two of the bajillion tests requested by this provider were not covered and it was going to cost us almost $700 out of pocket (whole separate issue we’re handling). She couldn’t find an EOB so I told her to log onto the portal to see if she could download it. Well she logs onto the portal and there are $2,000 worth of claims submitted from this allergist in mid January 2025. They were not the claims related to her appointments in December 2024 and they were submitted two weeks before she cancelled her first allergy injection appointment. To make a long story short, the allergist prepped the injection two weeks before my wife’s first allergy injection over the course of 3 days and submitted the claim to insurance for it. The doctor’s office is saying she is responsible for the bill and I’m saying that sounds like fraud for billing for treatment she never received and was prepared without any kind of contract or informed consent to give her the opportunity to prevent this from happening. My wife has spoken with 2 different insurance reps and one was like yeah you’re responsible and the other said I’m referring you to our fraud department. The doctor is entirely unhelpful and has refused to communicate with her on 1. Why there is no practice policy to avoid this situation and 2. How long that injection mixed up in good for and 3. What happens if she stops doing the injections after one appointment. What do we need to know about this? Is this fraud? Should we push to not be responsible for this cost? Did my wife make a mistake somewhere in understanding how allergists operate and missed what is the obvious to the field she should have cancelled her appointment at minimum two weeks before it was scheduled?

A few weeks ago, my car was hit in my workplace parking lot here in Minnesota. I made a police report and got security footage of the incident. While the footage didn’t directly show the other car making contact, one angle captured the only vehicle near mine, and another angle showed my car rocking from the impact. The police reviewed the footage and agreed that the vehicle likely hit me but noted that we needed to identify the specific car since we didn’t have a license plate. Fortunately, since this happened at my workplace, we were able to find a matching vehicle based on make, model, decals, and wheels. Upon inspecting the suspected car, it had scratches exactly where the damage on my car lined up. While I understand this is circumstantial evidence, it strongly suggests that this is the car that hit me. I filed a claim with their insurance (State Farm) and provided all the evidence. However, I’ve been calling every other day for updates, and State Farm keeps telling me they haven’t been able to reach their policyholder. At this point, I’m stuck waiting with no progress. I’m considering small claims court, but that’s really a last resort since I work with this person, and they’re actually my cubicle neighbor. I’d prefer to resolve this through insurance if possible. For those who have dealt with similar situations—what are my options? Is there anything else I can do to move the claim forward?

Is it even legal for Healthy Paws pet insurance to increase premiums at almost 200% in CA? This is outrageously high!! Anyone experiencing the same? #healthypawspetinsurance