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Are employers required to offer Cobra?

Posted By: nm on 2008-04-28
In Reply to:

nm


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Employers are required to report anything over
Sorry but those are Uncle Sam's rules.
Cobra
By law, if you have elected cobra coverage, and you have not received the paperwork, the insurance company has to carry you until you do receive the paperwork. I just went through this and I was very nervous because I have all kinds of health problems.  The insuring agency said that paperwork was usually slow, but even if it was over 30 days, as long as you get your payment in when you do receive the paperwork, they can't drop you.  A good place to check also is the National Association of the Self-Employed (NASE).   They  have all kinds of insurance plans.  Best of luck to you!
COBRA
Can anyone out there give me any information on Cobra?  There is just my husband and myself. Would it cover my husband?
We used COBRA and my insurance, thank God. sm
I can't imagine either and he is a top-level engineer (over $130k) but we have heard that it is becoming the norm to wait 90-180 days. They did give him a stipend though to help with COBRA.
Unemployment/COBRA

They said we should apply for unemployment asap but how can we do that if we are still working for them until 7/7?


Also, how much is unemployment usually? I've never been on it. I've heard it is about 66% of your usual pay? Is this correct?


Also... can you apply for Medicaid with unemployment? The COBRA rate is at least $540 for myself and my daughter. :(


COBRA - MEDICAID
Why do you need to apply for Medicaid along with Cobra? Did I understand this to be what you said?
Insurance COBRA
Usually, you're given the chance to maintain insurance premiums on your own so that you won't have a gap in coverage. I've been issued a certificate of continuing coverage twice when I had to leave a job so that I would qualify for ongoing insurance of some kind. Check into COBRA rules on this with your present company. Congrats on new job.
Anyone having a problem getting Cobra through
nm
Unfortunately, no. The last job I had the COBRA was too expensive, so I did
not get it, and had about a 4-month lapse.
Does anybody know the rates for COBRA?
I am about to lose my health insurance since I cannot make the full time line requirements.  Does anybody have a guess as to how much I would have to pay for COBRA for one person?  Thanks in advance for any help!  
Cobra Rates
My paperwork states the coverage is available to you At the current group rates. Meaning, the total amount being paid both by yourself and your employer per month.
Need Cobra info
By law Spheris has to provide you with the information for Cobra. It sometimes takes several weeks to hear, if you think it has been to long....suck it up and call them...you are only hurting yourself by not getting the information for it. If it makes you feel better mention to the person you are talking to that you have a great new job and won't be needing the Cobra for that long. :-)
Cobra rates for TT. Anyone know? sm
Am leaving TT to take an in home customer service job for a local business. Definitely going to be worth it as it pays great money for me, PTO, vacation and full benefits. Would like to know if anyone has left TT and taken the Cobra? Looking to know the cost for just employee.
COBRA only available for 18 months...you MUST do forms...sm
don't get the paperwork in and they have no reason to carry you. With COBRA, all you do is stay on a group insurance plan and pay the full price. Not the best choice for price conscious medical insurance UNLESS you have ANY medical conditions. If you are completely healthy, (no hypertension, diabetes, basically any diagnosis, even neck pain) you can get individual. Think about a high deductible ($5000 yr) if you don't go to the doctor or maybe only go once a year. Then also check out a Health Savings Account (plenty of info on web and at government web sites). But COBRA is not an insurance. It is only allowing you to get in on a group plan at the group price but you pay it all, including what your employer was paying for you.
she's sweet as pie then spits like a cobra. RUN FAR AWAY.
xx
Mine ended at the end of the month, then COBRA took over. nm

About 1-1/2 years ago, I paid almost $600/month for COBRA. sm

That was for medical, dental, vision, one person.  Hope this helps.  It is tremendously expensive, but it does get you by until you get something else.



Good luck! 


While some employers may....sm
try to claim that you can't work for someone else and them at the same time there's nothing legally they can do about it if you do as long as you're not telling the other company what hospital/clients you're working with for either company and sharing other internal information.  Things like this have been tested in the courts previously and basically they can't  prevent what you do in your non-work scheduled time.  A lot of MTs don't tell company A if they're working also for company  B... or vice versa, because it's really no one's business what you do in your off hours.
Can. Employers
Terra Nova is looking for as many Canadiab MTs as they can find. Acute care is mandatory and experience with Vianeta is a bonus.
most employers have an
at will employment.  How secure is that?
I just left. Need Cobra info. Lost the mail and wonder...
I am flailing financially but have a wonderful new job where I am treated like a human being and compensated for my dedication.

I cannot tell you so you'd understand how much more happy I am now. But, I have no insurance and have a preexisting so I lost my mail and can't gather the strength to call and talk with the staff who suddenly sound so distant. Blah
Not just MT, most Employers require it now
It is becoming quite common for any employer, not just MT Services, to do a Credit Check now.  Some companies think that if you cannot handle your finances (late payment, judgments, etc), you will not make a good employee or you might be tempted to try to cheat on something.   Since past employers are reluctant to give any information besides dates of employment for fear of being sued, new employers had to find some other way to dig up the dirt, so to speak.  Just the sign of our times.  No one trusts anyone anymore.  Nothing personal.   Used to be you could just send in a copy of your ID (Driver's license, SS card, passport, etc), and now they want you to have it Notorized, but still get it back to them within the 72 hours required.  Best advice -- find a job you like and try to stay there -- forever!! 
Employers also like to know how far in debt you are
them!  There goes your negotiating!  If you're desperate they'll dangle any crummy old carrot in front of your nose.
Me too...most of the time employers
ask that you NOT attach your resume, rather paste it into your email. I understand the poster's statement, but it is not the norm to attach resumes in emails anymore. Most companies state that if you do that, it will be deleted.
Canadian employers
Also, hi again. Would anyone know of any Canadian companies hiring MTs, or US based who hired Canadians?

Thanks again
Me, too. If employers don't want to get badmouthed,
.
Employers looking at your credit!
That should absolutely be none of their business about our credit report. I can see about criminal investigation, but credit, that is confidentiality and those people can steal your identity in a heartbeat especially when we have never met these people in person. We fax forms constantly to so many different MTSO companies and have no clue what they could do to destroy our credit! I would never allow a company to check out my credit report unless I was applying for a mortgage, buying a car, applying for a credit card, etc. What nerve do these companies have going into more personal detail about our own credit rating. Please...lets be so darn careful about protecting our identity. Very scary world we live in today!!!!!!!!
Definitely appeal it. UE is used to having employers
make up reasons for termination. The bottom line is if they cannot provide proof of your misconduct or that they informed you of said misconduct, you will probably win, especially if you saved any of your e-mails regarding your problems with demographics, etc.
Are there any employers hiring that do not use VR? nm

Who are they?


Without Naming Company, Does anyone know cost of COBRA for out-of-state employees?
x
Questions to ask prospective employers
Hi there. I'm the recruiter at Precyse Solutions and was looking out on MTStars to see what's going on and saw your email. I think it is great that you are asking this. So many applicants call me and never ask any questions. Below are some I think are important and probably I am forgetting some:

1. How long has the company been in businss.
2. Approximately how many MTs do they have.
3. What is the companies philosphy regarding MTs.
4.Employee Status or IC
5.Do their lines include spaces (very important. 65 + spaces makes about a 17% difference to your benefit in production.
6.What benefits do they provide. (If benefits are important to you?). If you don't need benefits, can they pay a higher line rate.
7.How does the training period work. What is the pay, how long is it. How are you trained.
8. How is the pay calculated. Do you get shift differentials, etc. Does the line rate fluxuate in anyway regarding QA audit or usage, production, account levels, etc. Any penalties?
9. Do the MTs have a primary account and a secondary or multiple.
10. % of ESLs on Account they are considering you for.
11. Do they provide a computer. What is the cost.
12. Do they reimburse for phone line, internet service provider, etc.
13. What kind of support do they provide. Technical and QA.
14. How is PTO paid?
15. 401k? Match?
16. Minimum production standards and time line.
17. Schedule flexibility. Hours in schedule?
18. What platform to they use?
19. Is there an Expander and medical speller provided.
20. Can you install Stedman's etc. on the computer if provided by the company.

That's all I can think of for now. If you want to email me, I would be happy to talk with you and anwser any questions you might have. Good luck to you :)
Thank you for your help. I performed very well at the jobs, but did not know whether employers may

not be happy with people leaving, etc.  I also did not realize that they may just want to verify your employment there. Do you need to pick a specific person to contact and inform them that you are using them as a reference? Thanks again.


Flipping the script on Employers!!

Since the majority of these companies are not upfront or truthful about their lack of work, and their recruiters are just little monkeys following orders, I have decided to accept as many jobs as I can, space the hiring dates 2 weeks apart, and try each job out before I make a serious commitment.  I have accepted 4 jobs to date, and I will not be left out in the cold another year because I believed in a company that did not measure up to their hype.  My kids will not go hungry again.   I have been burned so many times and I did not start out to accept AL 4, but my husband informed me that none of these companies will be loyal to me, so I need to do what I need to do.


well i have received gifts from employers
and i too have been in the business for over 30 years, in various capacities, various states and on-line. I have received everything from nice cash bonuses, to fruit baskets and smoked turkeys. But i never 'expect' a gift and rarely see one anymore from employers. Nowadays with all the so-called political correctness, they'd probably be in trouble if they didn't offer similar gifts for every various religion's major holiday....
Open letter to MDI and other employers going to VR

In VR: 


Dear empty eye,


 


As an empty with plenty years experience comma eye was vary this dress to learn that I will shortly be demoted from an empty to a VR quote Editor unquote making far less money than my training and years of experience deserve period you are comma node out comma counting on technology to eventually fix the bugs in yore VR soft wear period mean while comma you are ????? a viable resource period sum of us wood much rather retire than see our tail ends miss used by working as VR editors period to whom will you turn when this VR idea fails to pan out question mark period paragraph person alley what I have all ways enjoyed a bout transcription work is the actual typing comma the rhythm and flow comma inserting a punk situation mark here comma subtly colorectal sin tax there comma and turning a complete mismatch of a dictation in to a real double report period lets face it comma many doctors are complete idiots period the dictate the rung medications comma or the rite medications at potentially fetal doe sages period they mambo comma wrestle peppers comma talk to colleges comma eat comma bleach into the phone and make other bodily noises while they dictate period even naive English beakers often do not have the first idea of proper sentence structure or grammar period yet comma you expect olive us to clean up a VR mess for half the money we are making now question mark we think not explanation point paragraph so cut costs as you wish comma in one or 2 years when VR comes to our accounts parenthesis or before parenthesis we will have found something else to do comma and the profess shun will be pourer for the lost of all of us period have a nice stay explanation point


 


MT translation:


Dear MDI,


 


As an MT with 20 years’ experience, I was very distressed to learn that I will shortly be demoted from an MT to a VR  “editor” making far less money than my training and years of experience deserve.  You are, no doubt, counting on technology to eventually fix the bugs in your VR software.   Meanwhile, you are jeopardizing a valuable resource.  Some of us would much rather retire than see our talents misused by working as VR editors.  To whom will you turn when this VR idea fails to pan out?  Many of us believe it is time to retire or find another line of work. 


 


Personally, what I have always enjoyed about transcription work is the actual typing, the rhythm and flow, inserting a punctuation mark here, subtly correcting syntax there, and turning a complete mishmash of a dictation into a readable report.  Let’s face it, many doctors are complete idiots.  They dictate the wrong medications, or the right ones at potentially fatal doses.  They mumble, rustle papers, talk to colleagues, eat, belch into the phone and make other bodily noises while they dictate.  Even native English speakers often do not have the first idea of proper sentence structure or grammar.  Yet, you expect all of us to clean up a VR mess for half the money we are making now?  We think not! 


 


So, cut costs as you wish, in 1 or 2 years when VR comes to our accounts (or before) we will have found something else to do, and the profession will be poorer for the loss of all of us.  Have a nice day!


I think the employers are just lazy, and don't want to do the taxes. nm
/
Um, yes employers do expect you to look in books

Employers do want you to own and know how to use reference books.  The Internet is not always the best tool.  A combination of books and Internet are the ideal reference tools.  But to respond to your post would definitely be a waste of my breath, as I can see your mind is made up that you don't need reference books.  That's fine.  I am neither too old to know about Google or to be computer savvy, as I am a college student working on a Bachelor's Degree.  You must be very insecure to have to make such catty personal remarks about a stated opinion.  So when the Internet goes down, you just sit and wait for it to come back up, the rest of us will continue working.


 


Exactly. That also goes for good and bad comments. Employers can be sued.
Employees can also be sued. Bad taste though and we do not need that type of thing. We have had enough of it on these boards.
Credit check IS the norm. Employers want to how
x
Employers, creditors, lenders, landlords, etc do run
x
Meant employee and not employers in the second sentence
nn
Your idea of screening employers who post
Two thumbs up!
Internet DSL or cable...heads up to prospective employers sm
I see many employers insisting upon cable or DSL internet only as a prerequisite for employment.

These are not the only two reliable, fast ISPs anymore, folks.

I have fixed wireless, also known as wireless DSL. I have a package right now at 768 kbps, with the option to go 1 mbp. My ISP is every bit as fast as regular DSL (I know; I used to have DSL) and is, in my experience, more reliable. Fixed wireless is NOT satellite (and again, I should know; I used to have satellite, as well). Fiberoptic is also out there and from what I hear, beats even cable.

Technology is progressing by leaps and bounds and I hope prospective employers do not rule out any great MTs because they do not realize that cable and DSL now have company...and competetion: Fixed wireless and fiberoptic.


if it says *required* and you want the gig....nm

You are required to
use their computer.  I wanted to use my own, but they said it's easier for them to provide technical support if everything is uniform and everyone has the same hardware/software.  IMO, the pay is above average compared to what I was offered from other companies.  They also review you yearly for a possible raise and give a bonus on your anniversary.  The benefits were extremely affordable.  HTH
Unless you are FT and required to
make up your time then take the day off. They cannot force you to work if you are scheduled off, unless it is the Q and they will not let you take PTO and you have to have your hours/lines in. The only thing is if you work on production, then your check is improved from having no work through the week. If you can afford it, take it off.
If you are doing all that is required, i.e.,
making your line counts and working your scheduled hours, I would just ignore then. Worrying is not going to change anything. When they direct something at you specifically, then talk to them about it.
Why would we be required
To disclose any and every employer we have ever worked for when we have done so as an independent contractor? This is always something that I have wondered. As an IC, aren't we free to come any go as we chose? Aren't we in business for ourselves? This is where a lot of MTSOs have it wrong.

Do we go to the plumber or guy installing our satellite and ask him to disclose any and every individual he has ever done work for? No, we don't. I'm sure he'd be happy to provide references though!

I don't list anyone that I've worked for (unless I have done so as an employee). What does this information matter to an MTSO? If they hold up to their end of the bargain and I am a good MT for them and test well, what should my work history matter? ESPECIALLY in this industry. If I'm asked for reference, that's one thing. If I'm asked to disclose every single company I have worked for..that is another.

Don't get me wrong, I haven't job hopped without GOOD reason. However, I have worked for companies p.r.n. I have worked for companies for a couple of months only to find out the owner is the one with the issues. I have worked for companies where everything was going fine, but unfortunately I can't put my bills on hold for them to decide to pay me...three months later. I have worked for companies who promised this or that, only to have junk thrown at me consistently when they find out I am capable of doing the junk that their other MTs can't and getting paid 7 cpl to do so. I have also worked for the 24 hour FLEXIBLE companies who then decide that because people aren't holding up to their end of the bargain...your flexibility is going out the door and you NOW have to let them know EXACTLY what time you are going to be working.

And, see, you can't win with the MTSOs looking for this information because if you were to go into details as to why you changed jobs in this period so much, you would be looked down on because you were negative about these companies. How fair is that? What is in the past is in the past.
And what is required to CASH IT !!!!
What does the accompanying letter with the check say. Anxious to know . . . surely could use my money now.
Set hrs always have been required of employees/and if SE they can only ask what

you aren't a contractor, you are an employee.


If they begin telling contractors what hours to work and clocking them in and out, they become EMPLOYEES and must be treated as such.


And believe me if they start treating me as an employee, they better start picking up a lot of my costs!!!!


I should have said that the accounts I am on have never required a
log. I keep one with the accession number to keep track of what I do but no one has ever asked me for it. I work on a RadNet account if that makes a difference.