NLIC.org

Gerald Said:

what should i write in the cover letter for a supermarket job?

We Answered:

Firstly use capital letters to begin sentences in the letter (and for I).
Explain why you want the job. Don't mention the insurance number until she offers you the job. I wouldn't also mention about lack of experience. The fact that you're likely to be a reliable employee is going to be in your favour.

Ryan Said:

What is a letter of creditable coverage and why does every insurance company want one before they cover you?

We Answered:

The letter of creditable coverage lets the new insurance company know if you have had recent insurance coverage and it comes from your past insurance company.. The main reason they want one is because of pre-existing conditions. If you've had insurance you've probably been treated for those conditions and are in better health. Your new insurance will then waive much if not all of the waiting period for coverage of those conditions. If you've not had coverage that means the insurance companies are taking a bigger chance on you because your medical history is unknown. They will then impose the full waiting period for any condition you had prior to the effective date of the policy.

Guy Said:

What insurance companies currently DO cover massage (preventatively / WITHOUT a letter of medical necessity)?

We Answered:

Yeah...I'd like insurance coverage for a "preventative" pedicure too. (You know...I could possibly get an ingrown toenail one day.) But darn it all...they won't cover that either.

Imagine that...medical insurance not covering a non-medical service. What in the world is this world coming to? {rolls eyes}

(In other words...no. I have never seen a policy cover "preventative" massage. And I've seen thousands upon thousands of benefit plan designs over the years.)