[tag=IN | □ | □]
[tag=IN | □=□ | □]
[tag=IN | !□ | □]
Keep in mind that unless you have a long-term care policy , you are not covered for long-term care expenses under Medicare and most other types of insurance . Surrender charges typically decrease to zero after five to 10 years , from issue of the contract or from receipt of a particular premium payment . Once a disability determination is made , you must give notice to the Plan Administrator ( in the former employer 's benefits division ) within 60 days of receiving the determination ( this increases the period of coverage to 29 months ) . However , in order to receive these protections , beneficiaries must apply for a supplement policy within 63 days of disenrolling from the health plan , or within 63 days of the termination of the health plan . The presentment of payment is determined from the time the agent or authorized employee of the WYO company received the application and premium , or from the time the application and premium are received in a central office or processing facility . It pays while you live ; life insurance pays when you die . Decisions regarding urgent care must be made within 72 hours . Under a variable annuity , the money generally is invested in common stocks or other equity ( ownership ) investments . However , in some areas of certain states , mostly coastal , this coverage is excluded from the standard policy . Homeowners coverage under this endorsement applies to a secondary residence ( example : summer home ) . The floodplain management requirements within the SFHA are designed to prevent new development from increasing the flood threat and to protect new and existing buildings from anticipated flood events . However , under growing confrontation and resistance from the six-party Muttahida Majlis-e-Amal ( MMA ) religious / political forces against such a measure , he appears inclined once again to either postpone taking immediate action or back down altogether . Under some annuities of this type , the size of the payments is reduced after the death of one of the annuitants . For instance , the addition of a room , new insulation and yearly inflation all increase the replacement cost of your home , while the actual cash value of the home may decrease over time . However , if a Medicare HMO is available where you are living outside of Indiana , you could enroll in it for coverage while you were outside of your regular plan area , and then re-enroll in your Indiana plan when you return home . To effect a cancellation of a flood insurance policy , the policyholder must supply a copy of the LOMA or LOMR and a waiver for the flood insurance purchase requirement from the lending institution to the insurance agent or broker who services the policy . While the distinctions among plans are growing increasingly blurred , the number of options available to consumers increases every day . Facing media allegations of a hidden agenda behind the maneuvers , Russian officials reiterated that Moscow was not hiding the truth about the Russo-Chinese military exercise . At the same time , both China ( Muslim-majority Xinjiang province ) and Russia ( predominately Muslim Chechnya ) face home-grown separatist movements , while Islamist movements in the Central Asian republics are a threat to the interests of both Beijing and Moscow . A FHBM is based on approximate data and identities , in general , the SFHAs within a community .