The hummingbird spirit animal symbolizes the enjoyment of life and lightness of being. Those who have the hummingbird as a totem are invited to enjoy the sweetness of life, lift up negativity wherever it creeps in and express love more fully in their daily endeavors.
If my daughter, who's 24, has a full-time job without health insurance, must I pay for her health coverage until she reaches age 26? One of the features of the Obama health care law concerns health insurance for young adults. Parents have a right to continue to insure their children on their health plans until age 26. But this is a right -- not an obligation. So Dawn, you can remove your 18-year-old son who has employer-based coverage from your health insurance immediately.
Specific guidelines for insurance claims. Some states have detailed guidelines for how quickly claims must be handled. For example, states have the following rules for both home and auto claims: California requires an acknowledgment of all claims within 15 days. In that state, insurance companies are required to accept or deny the claim within 40 days after receiving proof of the claim. If the claim is accepted, payment must be made within 30 days from the date settlement was reached.