Have you ever been in a job that had great health insurance but the job you would really want to do does not have or not as good insurance? So if you had health insurance for the year or 90 days it takes for your new job insurance to kick in would you be more willing to switch jobs? And would employers be more willing to pay more to keep you there?
I have had jobs with great insurance. I have had jobs without any insurance.
The pay rate is what keeps me at a job not the insurance.
I have to AFFORD to go to the Doctor.
Please only answers from people who have worked these jobs and how was the healthcare they provided?
Starbucks, UPS, and Walmart are fameous for providing health insurance for part timers. Petco does, too, but it’s a limited benefit plan.
It’s not uncommon at all, these days, to find a part time employer with a limited benefit plan for employees.
I got laid off my full time job but kept my group insurance plan through COBRA for the next 18 months. If I take a freelance or contract job, can I still remain on my COBRA health insurance plan or would I need to get a new personal plan if I did freelance work?
I am getting surgery in a month and want to make absolutely sure I don’t lose my insurance if I take this freelance job I got offered.
You can keep the cobra as long as the place you’re working doesn’t have an insurance plan of their own.
I worked contract jobs through Manpower, they offered insurance as a choice to their temps.
I am looking for a job that offers health insurance. I am wondering if full time jobs all offer insurance or if this is something I should ask about. I do not want to ask and come off as being pushy if full time offers insurance, but if it is up to the employer then I need to know. Anybody know?
Thanks!
I am an insurance broker. Employers are not currently required to offer health insurance or any other employee benefit. However, many companies do offer health insurance because their competitors do, or because the employer simply thinks that it is the right way to treat employees (and family members.) In addition, some employers pay the whole monthly premium, while others ask you to pay part of the cost through payroll deduction - this is especially true if you work part-time.
I need to know about how many jobs extend an employee’s benefits (i.e. health insurance) to their spouse and/or family.
From a Kaiser Family Foundation report:
Sixty percent of employers offer health benefits in 2009. Less than half (46%) of firms with 3 to 9 workers offer coverage, compared to 72% of firms with 10 to 24 workers, 87% of firms with 25 to 49
workers, and over 95% of firms with 50 or more workers.
Even in firms that offer coverage, not all workers are covered. Some workers are not eligible to enroll as a result of waiting periods or minimum work-hour rules. Others choose not to enroll, perhaps
because of the cost of coverage or their ability to access coverage through a spouse.
Among firms that offer coverage, an average of 79% of workers are eligible for the health benefits offered by their employer. Of those eligible, 81% take up coverage, resulting in 65% of workers in firms offering health benefits having coverage through their employer. Among both firms that offer and do not offer health benefits, 59% of workers are covered by health plans offered by their employer.
The report did not break down the statistics by employers who did or did not offer family coverage. It would seem to be a reasonable assumption that the larger firms that offer health insurance also offer it to the employees family…
My question is this: - “Are we all invincible?” I was always under the impression I would never have needed insurance as I’m not ill or dying so why commit to yet another monthly direct debit, especially in times of hardship like now!
That is until now, what with all the money worries and the stresses of everyday life, the depression and divorce, the financial issues and lack of jobs. All this puts stress on our lives and must lower our life expectancy!
I’ve looked at the different insurances on offer, and there really is something out there for everyone. Whether it’s to cover the life of someone who brings in all the money, to give us financial security if they ever die, or cover for ourselves if we have debt or if we get a critical illness that changes the way we need to live.
I’ve also realised the benefits of choosing a cover to suit me to make sure that from now on whatever happens keeps me in the lifestyle I’m used to.
A member of my family actually became ill but didn’t have critical illness cover. Not being able to work for a while has resulted to them never clearing the mortgage. So even though they are now retired they are still tied to a high mortgage payment each month.
This makes me think “For goodness sake, why didn’t you get yourself covered to prevent being retired and having a mortgage?”
If one of their friends had asked them ‘Do you have life or critical illness cover?’ the response they would have given probably would have been ‘Well not at the moment, it’s something I’ll always get round to later’. However this was before they had Cancer and were left with a mountain of debt! Sometimes I wish there was a time machine for all those people who have contracted a major illness to go back and buy sufficient critical illness insurance. You will find that once you have contracted a serious illness you will not be allowed to buy any cover from most insurance companies. There are a few specialist critical illness companies but you will be paying astronomical premiums.
The question to ask yourself is ‘Do you need insurance?’ unfortunately, yes. We do all need insurance. You might not need life insurance today (Critical Illness insurance is always a must) and fingers crossed not for a very long time when our life needs insurance. But inevitably we need to protect those around us we love and our lifestyles. I could not imagine having a serious illness and not being able to work but still have all the same outgoings each month, cos let’s face it, how many employers in today’s market will actually keep our jobs open or help us out until we are through all the surgery, treatment, and remission - not many, and that information is for free.
So in summary, the answer to the question ‘Are we all invincible?’ is no. Unless your name happens to be Clark Kent!
Andy Palmer
http://www.articlesbase.com/finance-articles/will-i-need-insurance-745701.html
Basically, I work for an electricians union and i do side work. I need insurance for my side work. Can they look up to see if i took out insurance for electrical work and kick me out of the union?
You’re not going to get into trouble for having the insurance, you’ll get into trouble by doing the side jobs.
They can’t, per say, look up and find out if you have insurance. But people talk, and eventually, it will get back to them, and THEN they’ll kick you out of the union.
I am seeking a part-time job selling life and health insurance, and am especially interested in focusing on selling to seniors (because of the demographics where I live). I am licensed life and health in my state.
I am having trouble finding anything by checking the larger general employment sites like CareerBuilder and Monster - all of the listings seem to be for full-time agents. Can anyone recommend a company like the one I am looking for, or help me figure out how to locate such a company?
OK, first of all, you realize that many states have enacted new laws regarding selling insurance products to seniors, right?
But what you do, is go talk to local life agents. Just about any of them will hire you as a producer - for a commission split. No salary, just straight commission sales.
Use the yellow pages, locate agents near you.
Look at all the companies talking about the hundreds of millions of dollars it is going to cost them. Does anyone think they are going to eat the cost, or are they going to outsource jobs?
Well I’m assistant manager for a ears nose and throat doctor and considering medicare reimbursement rates,medicaid, and a load of other insurance companies have cut back and all I here about is how physicians are getting paid less and less every day I hardly think this is going to encourage jobs physicians in my county are in a panic right now. Just to clarify a physician goes to school anywhere from 8-12 years and some are struggling to pay their bills??? This makes sense…. yeah so now teachers who help develop our future are underpaid… and physicians who save our health are now also underpaid???? Don’t worry I think America is going in the right direction!
