Well that is not really considered family plan

• Does anyone know what the current family rate for insurance is with Keystrokes? - Wondering
  • KS insurance (sm) - Deb
  • Dont know for sure but last i heard - mg
    • I don't work for KS, but I think that $700.00 for a - family plan is the going rate as long as it is a g
      • The going rate where? - MT in MT
        • Well that is not really considered family plan - here on the East coast. sm
          • This is where living in a certain state... - Hayseed

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She also said she didn't have kids. Why do you think you're so much better  BECAUSE you have kids?  I am so sick of that attitude.  I don't have kids, never wanted them, but have been discriminated against in jobs because of it.  Everyone figured since I had no kids I could work all the time.  I said NO!  Just because I don't have kids doesn't mean I don't have a life or that my life is not important.   

BTW I work part time too. 

organize MTs throughout the country?  It seems like, judging by what I read in MR forums, that part of the problem is that when people first come into the business, they have no idea of what their hard work is worth.  Regardless of the fact that hospitals want to pay the lowest possible price for transcription, the only people who should be settling for less than 10, 12 or more cents/line are ESLs in India, etc.  American workers should be standing up for American wages.  Yes, there are some companies who will say, Fine, I'll contract with India.  Believe me, you wouldn't want those companies as employers, or to work for hospitals or clinics that operate that way.  Heck... I sure wouldn't put my care in the hands of a doc that uses offshore transcription services, that's for sure! 

SO, what I'm saying is, there must be some way to bring MTs from all areas, and of all experience levels together (OUTSIDE of AAMT, which has been in large part responsible for alot of the problem!), and organize for a decent living wage and health benefits.  If all of us were to stop working for 3 days, 1 week max, do you think that work would all suddenly be sent offshore?  I don't think so.  Some might, but then again, it's a good way to week out the undesirable clients & employers. 

I think we our often our own worst enemy when it comes to wages.  If we continue to accept less than what we're worth, then that's all we can expect to earn.

Also, I'm surprised that some entrepreneuring MT company hasn't cashed in on all the newbies and in-school MTs out there who just want experience and a chance.  Imagine if one of the larger, more respected services were to open an MT SCHOOL as well.  They would receive an income from instruction fees.  MTs could gradually cross over from student to trainee.  MTs could earn extra money as teachers.  (And should be paid well for it, too.)  The company training the MTs would have first pick of the best and brightest for work in their own company.  Beyond that, there would be more money to be made when it comes to referrals. 

The healthcare industry needs to be more educated in the fact that transcription is a vital part of their work, and how well their reports are done is a direct reflection of their competency.  If you look at how much money is wasted in these establishments on FLUFF -- excess management, inept management, some community programs, and in some cases excess in building glitz and glamour, one has to wonder why they feel transcription is a less-valuable service than those provided by their janitors, groundskeepers, or food service personnel.

One way to fight the low-wage problem is to continue to lobby for an end to offshoring of personal information, not only in the healthcare industry, but in ALL American industry.  NO personal data: phone numbers, credit card numbers, etc. should EVER leave American soil without the express written consent of the owner of that data.

Another way to fight low wages is to do as much research as possible on prospective employers.  Remember, they are not just interviewing you, you are also interviewing THEM!  Go with the best-paying company you can find.  If you are new to the field, that will be harder, but in your case finding the best learning environment is your best bet, and then work hard at getting proficient enough to be able to LEAVE a low-paying employer ASAP for a better-paying one. 

In terms of being an IC, I know it's difficult to deal with people undercutting you.  But once again, don't forget that when someone turns down high-quality transcription and goes with the lower-quality provider, simply because of a couple-cent-per-line difference in cost, the way to look at that client is Good Riddance!  I used to have my own, non-MT, service-related business.  I had two ways of weeding out the undesireables: 

One was a waiver of liability.  If they squawked about signing it, or started picking it apart like they were big legal experts, then I knew right away they were a future legal liability.  (Of course, that is less of an issue with MT... I don't know of MTs that make clients sign waivers!  It's just a 'fer instance.)  But the best way to weed out the cheapskates and nit-pickers was to charge a slightly HIGHER fee than my competitors.  I offered a higher-quality, more personalized service than my competitors.  So I stood firm on my prices.  And you know what?  There are clients who will actually LOOK for the higher fee, knowing that if you can command and get a higher fee, you are probably a better service provider. 

Also, steer clear of new clients who want a special deal or discount right off the bat.  They will NEVER be satisfied; give them an inch and they'll take a mile.  I believe that discounted rates are EARNED, not given out on demand.  A long-time client who is honest, pays on time, tips, is slightly flexible, etc., who gives you steady, reliable work that is easier to do, should be rewarded with a deal.  But that deal should only be between you and them, and not broadcast to other clients.

Some of my BEST business clients turned out to be people who at first pooh-poohed my fees, and went with the cheaper provider.  Quite a few of them came crawling back on their hands and knees later; sadder but wiser, and more than willing to pay what I charged.  And often they had such a big mess that needed to be straightened out (usually caused by the cheaper provider) that I initially had to charge EXTRA, on top of my normal fees, to straighten it all out!  These people often came to be my biggest TIPPERS, as well! 

 I think we have all been conditioned to believe we are lucky to have a job at all, and we need to start rethinking that.  MT's need to stick together, network, lobby against offshoring and unfair pay, UNIONIZE if at all possible or beneficial, and be far more VOCAL.  The normally quiet nature of most MTs and their behind-the-scenes work usually works against them when it comes to fair labor practices!  Those of us with many years of experience & skill need to TURN DOWN job offers that are insultingly low. 

Anyway, that's my take on the el-cheapo employers & clients, and the low pay they think we'll get down on our knees and thank them for!   

Happy 2007!  

P/T and F/T with this company and required lines.  Thanks in advance :)

experienced?

I had that happen a long time ago.  Fortunately, at the time I didn't need the money. She had called me and was panicked because she was snowed under and wouldn't be able to make TAT.  I worked myself to death all weekend long, but when it came to pay me, there was one excuse after another, and finally she gave me a check ... and it bounced. 

On a happier note, or at least I hope it turns out happy, I wrote to the woman in Virginia again and she finally answered me saying that she had taken care of it and not to bother her again as she had clients to take care of ... whatever.  Maybe this time the old squeaky wheel theory works.

I am sure that not all people without direct deposit are cheats, and I am glad you have found someone you can rely on.  It will just take awhile to get this bad taste out of my mouth and learn to trust again.