If an IC there was no taxes taken out to cover unemployment insurance
Posted By: . on 2009-09-01
In Reply to: I would like to know this as well (sm) - Really?
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Are IC required to get insurance? Taxes?
I've never subcontracted before, but work is low and a girl's gotta eat. I was given a contract recently to look over and signed and noticed it said something about insurance for omissions, etc. Is this standard and do I HAVE to get this??? Thanks.
Also, how much should I set aside for taxes? Is 30% safe enough? I really appreciate and an all answers.
Need a company that takes out taxes and has insurance
I can't be an independent contractor because my husband is self employed. One of us needs to pay for taxes and insurance. Anybody know of some companies that do this that I could check out?
They must deduct FEDERAL taxes.. NOT STATE taxes.. if they took out state taxes.. it would be FLORID
which would only have to be refunded to you for you to pay YOUR state what you owe them which is nothing but a pain... be glad they weren't handling your state tax.. and I think in this case.. if someone at the IRS told you they have to deduct YOUR states taxes.. it is that person who is uneducated... they only have to deduce federal income tax
Cover yourself
I would call and email Human Resources and confirm that they are aware of your last date of work with the company. This way, if they have heard that info from your supervisor, they will start the ball rolling.
I cover
myself with 2 services. One I'm an employee with excellent health benefits, fantastic PTO, and other perks. The other I'm an IC. I work about 45 hours a week.
I'm in central PA but am single so living off of $30k wouldn't work for me.
I wouldn't even consider an hourly gig.
cover that
My contract is only for 1 year. It renews each year. Once upon a time, I had my own service and contracted with the government for a while. They teach you very quickly how to guarantee you're a contractor :)
I think it's horrendous the posts like the one above who don't care that they are in an illegal situation as long as it doesn't rock their boat. THis is why I have no faith that this JOB will ever be elevated to a profession.
Your bank should cover you for the
fraudulent use of your card. In the meantime, please file a police report on your daughter's friend. The ATM should have photos of her. Good luck to you--that's awful.
YUCK, ought to about cover it.
x
Everybody take cover! Here's comes the TT bashing again. nm
/
Cover letter
I have been offered 7 jobs in the past year so take my advice for what you will.
The sentence: Please consider this letter as my formal application presenting my background, education, and experience. I would take it out. Your resume outlines your background, education, etc. This sentence is just fluff.
Rather than saying over 4 years, make it 5 years. Lots of companies want 5 years, and if it is only a matter of months difference, it won't matter.
I would include more types of imaging and take out some of the medical terminology, labwork, etc. They are more interested in your radiology background and expect you to know anatomy, etc.
This sentence: I am highLY self-motivated and produce excellent work, both in quality and quantity. Anybody can say that, and it sounds liked canned text. Do you have a QA score to back it up? How many reports do you average an hour? More specifics than a general statement.
This sentence: May I arrange an interview to further discuss my qualifications? Don't ask. Tell them I am very interested in this position and look forward to hearing from you. Then give them a phone number and email to contact you.
Good luck
You really don't need a cover letter.
Send your resume. We are smart enough to figure out the rest. Most times a cover letter heads straight for the trash. Who has time to read it? Unless a company specifically asks for a cover letter, don't bother.
Cover letter possibly?? nm
nm
At our company, we all work together...MT's cover for each other
if you don't do that, the only other option is a float person. Then when you want extra work - it's not there. So we work together to cover each other's vacations, sick days and other mini-crises. I sure wouldn't expect an MTSO to be superwoman and be able to cover an influx of dictation plus an MT who needs the afternoon off, after all!
Cover yourself w/that arbitration page!
You should not sign that arbitration agreement. That's making you give away your legal rights and allowing them to get away with breaking the law should they choose to do so.
However, if you MUST sign it, put CONDITION OF EMPLOYMENT above or below your signature. That way, you are covered if it ever comes up that you have a suit against them; they aren't giving you a choice in the matter, and if you don't agree to their robbery/theft of your rights, you won't have a job.
Not all hospitals cover all specialities.
 I don't think that was a silly question to ask.
cover letter-need feedback/help
Hi all-
My hospital recently outsourced its rad transcription. I was able to get on the with the company that took over, but ended up taking a 50% cut in pay! I am in the process of sending out resumes in hopes to find PT/prn (preferably IC) work to supplement. While I can write a rocking resume, I am absolutely terrible with cover letters. I have drawn one up (based on examples from the net) and was hoping that I could get some feedback (content, format, grammar, etc) from my fellow MTs. Any help would be great! I am fully open to any CONSTRUCTIVE criticism. Please see the letter below and thanks in advance for your help!
Dear Employer:
In response to the open medical Transcriptionist position with your organization, I am enclosing a resume for your review. Please consider this letter as my formal application presenting my background, education, and experience.
I have over 4 years experience in radiology transcription; and I am well versed in the areas of medical terminology, anatomy and physiology, pharmacology, labwork, and surgical procedures.
I have considerable experience in transcribing all types of medical imaging procedures, including Interventional Radiology and Mammography. I am high self-motivated and produce excellent work, both in quality and quantity.
May I arrange an interview to further discuss my qualifications? I am available for an interview at a mutually convenient time.
Thank you for your time and consideration.
Sincerely,
Encl.
The reason they charge a fee is to cover
cost of equipment. Most don't charge a monthly fee, but a deposit that is spread out. When you return equipment in good working order you get a refund. There are some people who have accepted a position, gotten the equipment, and then immediately quit without returning equipment, so this is a way for company to try to eliminate that. Some companies will send you a foot pedal or a C-phone at no charge, but you are expected to return them if employment terminates.
You cover for each other in times of crisis? sm
I did not even realize we were allowed to talk to the other regular MTs, even though team leads have told me that other MTs have been in the same boat and I am not alone. I have often wished I could talk to the other MTs that I actually have something in common with. I only talk to the team leads, so I know they cover for each other, but as far as talking to a non-team lead for support or questions or friendship I thought they tried to prevent that? Now I really feel out of the loop.
Resume and cover letter question. sm
This may be a dumb question, but the last time I applied for a job and sent a resume was 10 years ago, before everything was done online. (I remember the test tape being mailed to me, and I had to mail it back within... 48 hours, I think it was. Seems so archaic now! LOL)
My question is, when you are asked to cut and paste your resume, do you *just* put in your resume, or do you put a cover letter *and* your resume?
Also, do you worry about the formatting of your resume if the formatting looks messed up after it's been pasted in?
Thank you!
Cover letters! Brings back memories!
I remember preparing my very first resume...fancy stock paper with watermark, with the obligatory short-n-sweet cover letter included, even a reference sheet if I was feeling ballsy, all mailed in a manilla envelope the same size as the paper so there were no creases! Now everything is done electronic and it's SO impersonal!
I'm such an old fart.
My husband got a raise to cover his increase, the lucky bum. nm
..
Please don't panic. Read the cover letter with the rates.
This may not be the final choices, TT CEO and HR are working really hard to find other alternatives. You guys should mention that here along with panicking so that everyone who reads these boards gets the full picture. These may not be all the choices. Also, I just came from another company and their UHC cost more than even these expensive ones, and I was stuck with it. Their rates went up too and so, it is not just us, it is the insurance companies.
Please, wait and see what happens before you all decide in your mind there are no alternatives. There are, we just don't know what they are yet, and the boss did say in all fairness they are working on it.
very true... MT wages won't cover holiday work and sm
grocery stores, nurses, those people usually VOLUNTEER and are not forced into their shifts. Some people want to work on holidays and get DOUBLE or TRIPLE pay, not 9 cents a line to do an ESL that makes you $10 an hour. And what does Obama have to do with it?
What you need personally to cover your bills should be the deciding factor. And what you MIGHT earn
m
Worked for an MT service that had a mistake on the cover of Employee Manual (sm)
That is bad. 
Yeah, out of work this a.m. ALREADY -- Transtech overhires to cover their rears!
We have been running out of work consistently for the past several months. You have to work every hour of the day to get your lines, always asked to FLEX your schedule, yet they DEMAND that you work your schedule! LOL They have really overhired within the past couple of weeks and we have NO WORK AT ALL NOW. Very hard to get your line count or make a DECENT PAYCHECK now. Hope that helps.
in Michigan it IS illegal to publish a check that you do not have the funds to cover
nm
since I didn't pay into social security as an IC, I started a retirement plan to cover me.
x
If there is a typo in your resume or cover letter or answers to their questionairre, they automatica
I thought this is harsh but then I went to work for another company in a recruiting position, and we do the same thing! If someone cannot proof their resume and correspondence with a potential employer, what will their transcription look like? Not nice, but it is true.
Can IC even get unemployment?
:+
Unemployment
This is very interesting to know. Maybe it is something to consider when given an option to work as an IC or an employee. If you don't mind me asking, what state are you from?
Anyone Know Unemployment Law?
What is unemployment situation when US employer is defunct but employees (supposedly) get absorbed by off-shore company?
Unemployment
Ok - not quite sure why this has been such an issue. When I applied for unemployment, it was KS actions that determined that I was unemployed. Just as if I had any other kind of job - had I been laid off or terminated - I would have applied for unemployment - I don't know who wouldn't. So, I'm not quite sure why this has been so blown out of proportion. My counselor is the one who had to deal with KS - and they reported back to me what was going on - not the other way around. I had nothing to do with the determination of whether or not I was entitled to unemployment. That was determined by the laws in my state and I was told that my previous employer did not understand the law - I did not say that to just be saying it. A lot goes into the determination of unemployment and if you meet the criteria - then you begin to receive your benefits. In searching for MT jobs, there are not a tremendous amount of jobs that met the criteria of what I was working with KS. I immediately found work as an IC and received only the difference in the amount I earned and the amount of my benefit. I was never offered anything of employee status, so I just stayed with the IC job. I would ask - if you or your spouse lost your job - would you not apply for unemployment? Until you are in that position, I would ask that you not judge what others do. Perhaps someone out there has learned something from these posts, if nothing more than to file for unemployment if they lose their jobs. Certainly there are people losing jobs everyday - lest the job-seekers boards would not have new job postings everyday. I do not take offense at those who have called this fraud or illegal - I just realize that they are ignorant of the unemployment laws of their state. My next post for companies is what information they can and cannot give legally on previous employees if contacted for a reference. That will open some eyes, I am sure.
Unemployment
How long do you have to be at a place of employment before you can collect unemployment?
unemployment?
They go by last two years, you have to have enough months in a two year period - check your local office online
Unemployment
Most of the time as long as you are laid off or fired for reasons that do not entail stealing or being drunk on the job does not matter how long you were on the job. -- exception might under 30 days but am not sure. However, what you are paid depends on the last 4 to 5 quarters (which is 12 to 18 months ago) prior to the quarter you are in. If you get laid off after June 1st, you check is based on the first quarter of 2007 and possible all of 2006. Again like other posters have said, check out your state. If you were not employed much in the the past year and half, your check will be quite small if anything at all. Again go on line to your state page and it will direct you to the unemployment page. You must be employee and not IC.
You should be able to get unemployment
The unemployment office will contact SPI to verify that you were, in fact, laid off and will ask for the reason why you were let go. You should qualify for unemployment until you find another company. Good luck!
I would take unemployment!
The same thing happened to me 4 years ago. MQ took my job and I refused to go with them. I then waited until I found a decent company to work for. If you are used to working in-house, it might take you a while to find a company that is a good fit for you. Good Luck!!
SPI and unemployment
Please excuse typos in first note. Long day, even longer week!
Thanks.
And don't we pay our OWN unemployment? sm
I was under the impression WE pay into it, the company doesn't. Check your pay stub.
Unemployment
I wonder if they offer you another shift if you can get unemployment. I mean not many people can do a third shift. I know I can't - I'd fall asleep!
IC and unemployment
Depends on what state you live in. In Oregon, you are screwed...been there.
did you get unemployment??
x
TT and unemployment...sm
Just wondering if anyone there has filed for unemployment and gotten it? I have worked every day this pay period and won't make my lines.
unemployment
I don't think we are eligible for unemployment, as we are not employees. Correct me if I'm wrong.
Unemployment
 The sad thing is we can't get unemployment and we are not to retirement age yet! Good luck to you too! My husband actually suggested I start housecleaning other people's houses for a living - at this rate it may pay better - LOL
401k funds are protected by govt insurance similar to the insurance
that banks have (FDIC). It is safe even if the company goes under.
The insurance cost is double for Transcend but insurance probably doesn't factor in for her.
I have heard more good things about Axolotl than Transcend, although it seems Axolotl may be less flexible with your schedule and someone told me that QA was pretty strict, which should not matter either if you have worked for a hospital and know what your QA score is.
No you can't quit a job and get unemployment.xc
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Unemployment Rights
Hi - sorry about your unfortunate experience with Spheris. I don't know if the unemployment laws for the state in which you reside or the state in which THEY reside would apply. Anyway, here's the Tennessee website for employee/employer rights: http://www.state.tn.us/labor-wfd/esdiv.html. Perhaps this is your chance to start off 2006 with a company that appreciates what you bring to the table, utilizes your talents effectively, and allows you to grow while making a living wage! Best of luck!
Another point is unemployment. Think about it. They are
evading tax laws. Report them to your state. The state will get them eventually. Believe me. I know mine is working on this one company and I believe I will check with them to see if they have done anything yet. When they actually return a late fee to the taxpayer, that means they have finally listened and they did pay all late fees they ever charged me because as an employee, that is not my job to do the taxes. It is the employer's job.
A good company will abide by the tax laws. A company that tells you they do not have to pay your state tax has not done their homework. When they get zammed by your state with late fees, then they will find out.
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