Unemployment/COBRA
Posted By: SadHeartlandMama on 2006-05-13
In Reply to:
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. :(
Complete Discussion Below:  marks the location of current message within thread
The messages you are viewing
are archived/old.
To view latest messages and participate in discussions, select
the boards given in left menu
Other related messages found in our database
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.
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
Are employers required to offer Cobra?
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! 
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
Without Naming Company, Does anyone know cost of COBRA for out-of-state employees?
x
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
No you can't quit a job and get unemployment.xc
x
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.
When do you file for unemployment?
My job has not had any work for 2 weeks now. If there is no work, can you file unemployment? Or do I wait until they let me go and then file?
Thanks
Yes it is - that's why I do not think she can quality for unemployment.
nm
me too!!!! just got the call :( :( unemployment here I come.
xx
with unemployment like it is - if you got offered TAKE IT
who cares if it's harder or easier. So many out of work. So many trying to get jobs. TAKE WHAT YOU CAN GET.
Unemployment compensation
Has anyone been able to collect unemployment due to lack of work? This is towards those who are employees and not ICs. I was just wondering if we are eligible for something like that. I've never collected in my life and was just curious if anyone else had. 
I have been drawing unemployment -
I live in Georgia and I was able to draw unemployment due to lack of work. I had to meet the requirements of having been hired as a full time employee and there not being enough work for full time anymore. If you are going to apply, keep meticulous records in case they deny you and you have to appeal. Every week I have to report how much I did make that week and they subtract that from my benefits.Email me if you need to talk more.
I have been drawing unemployment -
I live in Georgia and I was able to draw unemployment due to lack of work. I had to meet the requirements of having been hired as a full time employee and there not being enough work for full time anymore. If you are going to apply, keep meticulous records in case they deny you and you have to appeal. Every week I have to report how much I did make that week and they subtract that from my benefits.Email me if you need to talk more.
UNEMPLOYMENT LINE! THEY PAY MORE THAN 50%, not like VR - nm
Question about unemployment compensation
I work for a national that introduced a new platform several months ago that has had problems virtually daily, ranging from bad sound, jobs not showing up on line count, to long jobs actually being "taken away" from someone and given to someone else after the original person completed most, if not all, of the job.
The newest problem it now has seems to be that you can't access work on this program when work truly does exist. However, it's impossible to tell if the program isn't working or if there truly isn't any work. So you never know just what's going on. Tech support can't fix the problem, and if management cares, they sure don't show it. In addition to all this, my account has suddenly been overstaffed, so I'm constantly fighting for jobs. I can't tell if the new person is being played as a favorite, if the program is malfunctioning or if there simply isn't any work. As a result, I can't earn enough money to pay my bills, and this is through no fault of my own.
If I quit under these circumstances, can I collect unemployment (until I can find another job)? Does anyone know?
TIA.
You can only quit a job and collect unemployment under
extenuating circumstances. I quit a job where the boss was temperamental. He would cuss, punch holes in the wall, and scream at us. One of his employees kept making rude and suggestive (more than suggestive) remarks to me, even telling me he was going to rape me. Another employee actually grabbed my shirt and bra right in front of customers. When I complained to the boss about the sexual harrassment, he told me I was a big girl and could handle myself. I quit. I went to the unemployment division, and they said I could collect unemployment benefits, as well as file a lawsuit against the owner for not stopping his employees' behavior and for a hostile work environment. I got offered a decent job less than an hour after that, so I didn't bother. I always think that maybe I should have....
Anyway, I doubt you could collect unemployment in your situation. You need to start job hunting now.
I fiiled unemployment with MedQuist and got it,
x
filed for partial unemployment
I don't know completely your situation, but a few years ago, I filed for partial unemployment while employed at a service b/c the workload was extremely sparse and did receive it. When I filed, I also went looking for a new job and found one within a month.
My suggestion like others is to start looking now for a new job, but if the workload is low, you could possibly get partial unemployment now until a new job is found. Every state is different, so you would have to check with the unemployment office in your state regarding benefits, insurance, etc. Good luck in your search!
It's called structural unemployment..
for US losing jobs to offshore. It is not necessarily a bad thing though because it forces Americans to find other jobs and be creative (my husband and I are building a new business) here in the US. When we run out of something here in the US, Americans get going and find something new to do!! It will in the end actually make our economy better. I like to think of it being similar to the post WWII technology revolution when machines replaced people in assemblyline work. Americans recover and our economy will be better off for it. We are a brilliant country and from this, we will also recover. I have about 1 year in MT left and I can't wait to get out and leave the low pay and no respect to the offshore. If they can do and want to for the pennies they get, more power to 'em!!
|
