How is the single coverage/premium at Keystrokes

• How is the single coverage/premium at Keystrokes - and when it does it kick in? nm

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so I cannot really answer your question about the family plan, but no one had responded, so I at least wanted to say hello.  I have medical ($1000 deductible), vision, and dental for $129.86 per pay period for single coverage.  I'm glad you cleared that up about the license thing because that threw me!  (smile).

I do not know what the percentage of ESLs is on my acccount.  It is a Meditech/C-phone count, and the lines are not really difficult to obtain.  The only problem I have is me ... can't seem to find my focus lately.  :(

Good luck! 

nm

 see in the packet about difficulty premium and pay, but is every single dictator being assessed and listened to somehow and who is determining the difficulty?

Family coverage is not $1000 a month in premiums. 

my own policy versus being an employee of a service.  When you think about it, being an employee for most of the services out there offers no real benefits at all.  I have found that the PTO that some of these companies offer as part of their benefits package is a crappy.  You basically get paid a base hourly rate for any PTO you take and that base rate never EVER equals what you actually make when typing.  So you are basically penalized for taking time off.

And health insurance benefit packages are a joke!  They pay nothing for family coverage and not to mention there is always the threat looming over your head that if your production falls, they can take your benefits away.

If I were you, I would either be an IC and buy your own policy or try to get on with a hospital that offers work at home MT jobs.  Hospitals are the only places that offer decent health insurance coverage for families.  I have my own accounts and bought a health insurance policy for my kids and I, but recently I took a job with a hospital just for the insurance.  So now I have my own accounts plus I work FT for a hospital from home.  I pay $175 a month for family coverage with a $1000 family deductible.  It was financially a smarter move for me to go to work as an employee with the hospital because I'm saving a bundle on insurance.

Again, let me say, I would NEVER go back to work as an employee for a service.  They don't offer anything that I would consider benefits.  You're better off buying your own policy.

but I do not need that right now.  I have a schedule but they are flexible hours so that really helps.  Pay does include all spaces, but what I like is the direct deposit and the steady work.  I have been with Medware for 2 years and always have work.  If my primary is out they give you a back up account.  Finally my income meets my needs and I can move ahead with some things around the house that needed fixing.  Plus it's nice knowing I have good health insurance.

Yes, it can be done.  It isn't easy by any means, but it is possible if you are fortunate to be working for a good company.   

I have supported both my child and I solely on my income as a work-at-home MT.  For a little over a year I picked up some typing on the side for a few hours on the weekends for non-MT related businesses.  That at least paid for the phone bill.  I didn't and still don't owe much of anything, so that's a help.  I have one credit card that I use for groceries and gas, it gives cash back rewards and it's paid off in full every month. I almost own my home with the bank owning a mere pittance. There is no fancy car, no yearly vacations where I actually leave the town I live in, and I've had my TV for 8 years, after my grandmother owned it for 6 years.  Criminey, I don't even subscribe to any magazines.  All books come from the library, all newspapers are read online. I have automatic dedcutions taken from every pay check that are directly deposited into accounts for myself and for my son. We don't have much, but at least we have something. I keep an old ice bucket in the closet that all pocket change goes into.  When my son was little and would ask for pizza I'd tell him if there enough money in the ice bucket, we could get pizza. If there wasn't he'd have to wait.  I still use that bucket.  This year it will go towards flowers for the garden. 

My child is no longer a child, he's in his second year of college.  He workd all through his high school years, bought his own car and gives me 75% of his paycheck that go into the account mentioned above for college when he's home working summers.  He works while at college and that is what he lives on while at college.  He has never asked me for money..yet. 

I worked for a national company for almost two years when I first started out as an MT.  The pay was horrible, they were horrible, and I constantly ran out of work. I have worked for two small companies since leaving that national.  I never EVER refuse OT, I do my 8 hours/day 5 days/week and I work my fanny off.  It's not fun, and some days I hit my head against the wall thinking I can't do one more day of the tedium that is my job. 

I was always here when my son was growing up.  I attended every home sporting event, every awards night, drove him where ever he needed to be, and picked him up when it was done.. I was with him when he was sick, here when he had a problem and needed to talk (whine), and the lucky kid got to come home from school to hot choc. chip cookies out of the oven - not because I was June Cleaver, but because the hormones kicked in and I needed a sugar fix.  We both won.  Just don't tell him that. 

Looking back, the sacrifices for this job, mostly my sanity, have been worth it. Though my son grew up without a father, he had me there every single day, whether he liked it or not. We could never, and still can't keep with the Joneses, but I never liked the Joneses anyway.  I love working at home.  My car looks as new as they day it was bought 8 years ago and it has under 50,000 miles on it. Think of the savings of gas, wear and tear on the car, and your sanity if you have to commute.  I was here when my neighbor fell in the boxwood hedges and couldn't get up. I was here to see my dog scare the beheezies out of the two men from the famous door-to-door religious sect who never made it more than 10 feet up the driveway.  Really, can it get any better? 

I know I am fortunate and I try to remember that every time I type a report from the Bozo that dictates from out in the hall. If you want to be an MT, then I guess the key is to finding the right company, working your butt off, pay yourself first, don't spend what you don't have, and pray your fingers and your brain can survive the MT world.