My children are insured by their father and I purchase my
Posted By: MD-MDIer on 2005-11-22
In Reply to: A few more questions - mt
insurance. For vacations, I work an extra day a week for a twice a month for a couple months going into the month of my vacation. As for holidays, I usually work them. I look at it as being blessed enough to have a job at home where I can be with my girls and so if my usual days off happen to fall on the holiday, I usually volunteer to work 1/2 day, usually in the evening of the holiday so I can have the day with my girls and I work after they are in bed. Hope this helps!
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My child is insured by her father, but I do not have insurance
and as far as work availability. I have worked for about 4 different companies in the last year. Things start off well, plenty of work, and then all of a sudden the work dries up. Currently, I have 3 backup accounts, and yet still out of work. Tired of hearing about slow downs. When I worked directly for hospital, both while I was in-house and at home, we had slow downs. They lasted a day or two at specific times of the year. We could use our PTO to take time off. With these companies, there is no backup for no work...no work = no pay. I cannot depend on my income at all since losing my hospital job. I have not made anywhere close to what I used to make and Im just totally frustrated. The economy of the state I live in is such right now that jobs are few and far between and the unemployment rate is very high right now. Feel like I am running out of options.
My father born same year so
you and I are probably 2 golden oldies, right? I love these years, so far, so good.
Are you insured now? Usually if SM
you have your certificates of insurance documentation for 2 years prior they waive any pre-existing.
Insured MTSO
Just my 2 cents -- I have professional liability insurance -- I have several hospital accounts which require it - and that they be named insureds on this policy. I'm not incorportated or an LLC, so I am paying about $600 a year to have maximum coverage. This generally protects all my assets such as home, office equipment, etc should there ever be a lawsuit. I also have a paragraph right in my contract that says all completed documents will be considered drafts until read and signed by the doctor. Realistically they probably never read them, but at least it is a defense should anything ever go to court. A few years back one of my docs was arrested for Medicaid fraud and I was subpoened (sp?). The FBI showed up at my door with a search warrant for all medical records I might have archived for this doctor. My insurance company would have paid for legal advice or defense if needed (it wasn't). To me, the insurance was well worth the price.
Rates with my insurance company are about 300 a year for a single person with minimum coverage, which some of my MTs have purchased on their own. My company is the Chicago Insurance Company and I go through a local broker for the policy.
purchase
Good for you!!! Any time any of my appointments come up, I will check first, and then cancel as well and tell them why I am canceling. GOOD JOB!!
Don't purchase anything.
Not sure if they charge you for leads or not, but don't purchase anything. You can check out places like www.transcriptionresource.com to find companies, and post your resume on the boards. Most of those work at home leads places are dead links to so called jobs. I found my jobs on this board. HTH Good luck!!
Yes, purchase (or have one built)
Yes, I would like to purchase one or if it is more cost effective to have on built I would like to do that. The platform that I use now is VERY expensive. If some knows of a company that can build one for me I would appreciate the info.
also, do you have to purchase your own pedal?
xx
wow, I had to purchase mine :(
/
Where did you purchase your software and
Where did you purchase Medbrain from? Tks. nm
nm
please dont tell me you that you were told to purchase that yourself too :(
/
You have to purchase a different "program" for job placement?
.
I purchase insurance independently so
nm
You say "No one would have told you to purchase that." sm.
Did it ever occur to you that maybe the person at Keystrokes DID tell her that and that they DID make a mistake.
You must not have children. sm
Would you actually turn down a job that paid $14 an hour and have your family starve. Some people think $14 an hour is really good. I do, however, think this is a low wage for QA; I just think one should really think about what they are saying before posting it. If someone is incapable of transcribing anymore and has a family to feed, then they may have to take $14.00; especially, where I live, there are not many jobs that pay that!!! even hard labor, factory, shift jobs The average wage in my town is about $12.00
You can purchase that insurance online. Just go to their website. You sm
do not need to be in a group.
You want to PURCHASE your own platform? Platforms are very expensive so
p
An IC might be willing to purchase equipment to dial into their system if they can. nm
X
$1000 toward the purchase of a new hybrid vehicle
It's a nice way for TT to encourage environmental consciousness. My husband and I are in need of a new car. Haven't made a decision yet, but we're definitely considering taking TT up on this offer.
Yes I have children that I raised alone
and the last one grew up and left in 1994. Back then people did not take junk pay for work. They refused it and back then we got what we asked. Maybe you were not a QA person then (neither was I BTW), but when I decided to go for it, I got still only half what I earned as an MT with over 25 years of acute care experience, any work type. It's not the average wage in your town. It is national and I find that no matter who you work for, you can get a decent wage...well almost...if it weren't for you who take less money. It was easier two years ago.
It's all in how you learn to negotiate.
Please rethink that $14 and not a penny less than $15 bottom cuz if you do take $14, that makes them think the wage is ok.
I am on your side, but please think hard about this.
what do you do for insurance with 3 children?
Nm
Say what you will...our children will be running
that nursing home you'll be in some day. Better to treat them well and take care of them now than to wish you did later. By the way...I'm guessing you have a dog or cat instead of kids?
If you're old, have no SO, and have no children go
for it. If you have children, are married or hope to be one day no way. You can probably manage for a few weeks before everything starts falling apart, your house is a mess, you're eating at your desk, you start yelling at anyone who dares speak to you because you're working.
Also, taxes will kill you. I've worked lots of OT, 2 jobs, and taxes took a big chunk and for what I went through I didn't have much to show for it.
You could do second job as a trial and maybe you'd like to quit job #1 or maybe you decide you don't like job #2 and you've BTDT and got it out of your system.
I hope you don't have any children - you
certainly set a bad example for their future.
Unless you have small children SM
at home and really don't want to put them in daycare, PLEASE consider a different field. Transcription is drying up in the US. There is no future in it. Find a career that cannot be outsourced.
Are you really mother to 6 children?
nm
Go for it! Children love being with
other children if you have to put them in day care. I raised 3 boys but only 1 went to daycare. He turned out to be the most social person I have ever met. The other 2, well, they are nice kids, but don't really know how to socialize that well. I worked from home for 20 years and it was tought. It will also give you some free time from the kids that is desperately needed nowadays.
You have to think about the future, not the present. Don't listen to the naysayers in these messages. Think about the future of your family.
did you have to purchase equipment for this service to work or do they supply - nm
x
Version 8 stinks. I would not do purchase anything to work for a company.
don't do it, unless they are paying you 12 cpl to edit the VR.
Tell them you can not afford it with the line rate they pay...he he!
Happy New Year!!
Does anyone speak legalese? From the MDI/Transcend purchase contract- sm
I found this. Now it sounds to me like that means they possibly have a list of people they plan to let go? And they can let go the rest at any time? There was prior mention of MDI supplying T with a list of people making over $35,000. Would they be the peope on Schedule 6.11? The entire document is here: http://www.sec.gov/Archives/edgar/data/858452/000119312509183673/dex20.htm
Section 6.11 Employees.
(a) Purchaser shall continue the services of the employees of the Company following the Closing except for the individuals listed on Schedule 6.11 hereof who shall be terminated at or shortly following the Closing. Notwithstanding anything to the contrary herein, nothing herein expressed or implied shall confer upon any employee of the Company, any other employee or legal representatives or beneficiaries of any thereof any rights or remedies, including any rights to employment or continued employment for any specified period of any nature or kind whatsoever under or by reason of this Agreement, or shall cause the employment status of any employee to be other than terminable at will.
(b) Purchaser covenants and agrees that in connection with any decision concerning a Company employee’s eligibility for participation and vesting in any employee welfare benefit plan, employee pension benefit plan, or employee fringe benefit arrangement established or maintained by the Purchaser, the Purchaser will recognize such employee’s cumulative prior service with the Company.
It's unfair to say it's only people with children.
I think the above poster is correct that it's the perception that you can work when you want to that has caused this, not just people who have kids. I have a transcription service and some of the worst offenders don't have any children at all. Even in the real world I always saved my vacation days, etc. to use for my children's school events or whatever and took time off for my kids because they are my no. 1 priority. That has never interfered with my fulfillment of my job duties, even when I worked outside of the home.
I've hired anywhere from someone straight out of school to older people nearing retirement age and some of my best ICs were mothers. Some of my worst included one gal who wanted to party every night of the week and couldn't work the next day with a hangover, an older lady who got tired earlier in the day than she thought she would so she had to stop work early, and yet another lady who had marital problems and used an argument with her hubby as her excuse not to work on any given day. I can give more examples, none of which involve kids. Most of the women with kids did well because they knew how to organize their time, worked when kids were asleep or at school since they knew it was their only chance to get it done, and they were adept at multitasking.
What you are really seeing is a lack of work ethic in general, in all different professions. So many want to get rich right now but they don't want to have to work to do so. We live in a drive-thru, high-speed society and everyone wants everything RIGHT NOW with the least amount of effort possible.
Geez, nothing like that for me. I have employee+children
nm
I love my children but having a child does not mean
everything is honey and sunshine. I really think nothing anymore about people who say they do not want. I think they are being realistic about a job you give yourself to for 18+ years, sometimes with not the most pleasant of outcomes in a relationship when a person who wants other things strives to have what they want and what they need. I used to think people who said no children were selfish- I understand their statements now. Motherhood is very much played up as far as I am concerned. Most of these posts are speaking from having young babies, toddlers before teen years and grown- those are the really good years. No pity needed nor wanted. My children had a very priviledged upbringing.
How many foster children are living with you?
The two comments made after my initial post left me so frustrated that I debated on responding. In the real world, most consider me to be kind hearted and easy going. For that reason, I usually avoid controversial issues for the sake of arguing.
This particular subject matter just hits very close to home and I have zero tolerance when misinformed people offer unwarranted advice. I feel it's very inconsiderate. The OP just asked about companies with insurance plans that covered IVF. She didn't come here asking for opinions or the blessing of MT Stars. What she is going through is difficult enough without complete strangers (probably sitting home with their 2-3 kids)telling her that wanting to start a family with her husband is completely unnecessary. I'm still amazed at how cold people can actually be.
Now to respond to your post.
First of all, if you did any research at all on the foster care and adoption systems in this country, you would not only be saddened, but you would not have posted. I'm not trying to be mean at all, but you are truly so misinformed that I don't know where to start.
My husband and I actually looked into foster parenting and even took the classes. We have a couple of friends as well as my in-laws who are foster parents. First of all, becoming a foster parent IS NOT a permanent situation. The small percentage of adoption that does result from being a foster parent can take up to 5 or 6 years! Plus, a very high number of foster children have special needs, severe behavioral problems, or mental issues caused from abuse. I do have one daughter who was 4 at the time we were taking classes. After spending years being protective parents, researching, and taking classes,we were afraid of exposing our small child to the abuse (physical, mental, sexual, drugs), that put these unfortunate children in foster care to begin with.
Yes you are right about so many beautiful children that need homes. There are literaly 1,000s of childless couples in this country that would love nothing more than to get serious about caring for them. Have you tried to adopt in this country? Good luck if you decide to take your own advice. You are looking at a long waiting list, tons of red tape and buracracy, not to mention a few grand. Oh and there is that chance after you have brought that sweet child home and bonded with him/her, that the crack-head bio-mom will decide she wants to play house and ger her an attorney (that you are paying for with your tax dollars.) After the court hearings are finally over (1-2 years later) you can kiss that little one good-bye. I've seen it happen to people very close to me...not on Lifetime. It does happens.
Seriously, why do you think so many Americans pay obscene amounts of money for international adoptions? Think about it.
Out of curiosity, do you have children?
I believe those were on the test for psych work because a lot of children
nowadays are watching shows such as Spongebob and using the X-Box, Playstation, etc., and they just want to make sure that you know all the new stuff out there that they will be using in their dictation. I've done psych. work before and they use a lot of modern jargon in their dictation.
No worse than screaming children in the background!
When you've done this a while you can block anything out.
What kind of future do our children and grandchildren have? sm
To begin with, they will be burdened by taking care of their elderly parents and grandparents who devoted their lives to working hard to make a living, only to have that living yanked out from under them.
Unfortunately, it seems that the philosphy of our government is to run all over the globe taking care of other countries while allowing our own people to slip further and further into poverty. I wonder how far this will have to go before the powers that be open their eyes and see what is happening to our own country?
I have been in this business for 15 years and am less than 20 years away from retirement age. According to my last Social Security statement, I will have to work until age 66 years 10 months before I can draw full Social Security and, if I can keep the arthritis and the carpal tunnel away and keep my wits about me, I can even earn a couple hundred more at age 70 IF there are even funds left in SS at that point. With the pushing of the retirement accouts by the federal government, my money says there won't be any money when I get ready to draw it.
Children's Health Insurance Program
You didn't say whether you needed the insurance primarily for yourself or for your child. If the need is primarily for your child, please look into your state's Children's Health Insurance Program or CHIP. This is for children in families that earn too much to be eligible for Medicaid but cannot obtain or afford health insurance for their children. In Illinois, the program is called All Kids, and the governor is actively trying to get the word out, since many people don't know about the program at all or assume it is part of Medicaid and requires you to be in dire poverty which is not true.
Single mom, homeschool all 4 of my children AND work. it can be done
x
A job is not an afterthought to me. I had a FT MT job before my children and CHOSE to work PT so I
can enjoy them. I think anyone with children can understand that. I do take my job seriously and work and am a high producer. I enjoy my job but I also enjoy my other FT job, which is my children!
There are young children who have hearing issues
from babies on up. Why do you think this is age discrimination and why would you say sue?
Wow, expecting a gift. CHILDREN expect gifts. Maybe..
your gift is the fact that you have a job during this current economic crisis. If you get something, fine; if not, are you going to quit? You still have 4 days to wait by your mailbox for your gift, if you should get one.
also, the original poster asked how to stay production with small children...
not whether or not MTs are being exploited...
Stop putting up with adults who are children. It is IRRESPONSIBLE to go to a payday loan place. sm
As transcriptionists, we have options. We can take on more work with the company we are with, move to another company, get a second job, get our own accounts.
If everyone would be mature and take responsibility for themselves, there would be no problems.
By the way, for your information, I AM A SINGLE MOTHER OF 3 WONDERFUL CHILDREN and I have been for many years. Transcription allowed me to buy a house, pay my bills and be able to buy nice things. I knew when I was getting divorced that I either needed to cut corners or earn more. I did both. My kids and I live in a nice home but my girls share a room and my son has his own. I pay cash for cars and drive them until they cannot be driven or are not safe. We eat at home with home-cooked meals rather than eating out, except when celebrating something like a birthday or good report cards or an award one of them receives. They have nice clothese, a clean house and everything they need. I work while they are in school but make every minute of my work day count, and I have an extra job that I work on weekends in the early mornings when they are sleeping and evenings when they are asleep. We have friends, go to church and have a close family. I have never had child support and have never had to be on welfare.
I budget carefully and have a savings account. I only make 35,000 a year on average but I make it work.
Excuses are just that. People need to do for themselves. If they have medical issues or a tragedy, that's one thing, but so many of the people I have worked with just spend all their time whining and none of that time making their lives better.
I am not going to apologize. I am not a mean person, just tired of hearing people complain about EVERYTHING in this profession. Yes, it has changed, but we still have options. Many other fields do not.
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