I don't care about benefits, have insurance through
Posted By: Unfortunately not realistic on 2005-08-17
In Reply to: I'm looking but not finding - same boat
DH work and I try to put money away each month for vacation, I just want a decent wage. The nationals are competing with India and they can't pay 13-15 cpl because I know of 2 that only get paid 13 cpl and out of that I get more than half, plus bennies, and they have to pay support staff, rent, etc. from the balance.
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I would take it just for the insurance benefits. sm
Those sound awesome.
Your insurance benefits will be effective through the period of time you have paid them which...sm
could be the end of the week or the end of the month or the day that the company calls the insurance company to cancel them. You cannot depend on thinking if you quit in the middle of the month you will be covered through the end of the month. You have to find out exactly from your company. Also for COBRA benefits you are eligible for up to 18 months or perhaps longer in special circumstances but yes you have to pay the premium all by yourself, the company doesn't chip in at all. The plus side is you are still in a group plan. You cannot get individual insurance unless you have NOTHING at all wrong with you, no high blood pressure, no depression, nothing. It is very important to not have a lapse in coverage greater than 60 days. If you do, you will lose coverage for any preexisting conditions when you go to your next GROUP insurance (this is the other part of HIPAA - portability). If for example you are covered for high blood pressure and you don't choose COBRA and your insurance lapses for more than 60 days, when you get on the next group plan, they will not cover your high blood pressure M.D. visits or medications for up to 1 year.
You can get relatively cheep individual coverage if you choose a high deductible, to carry you through. That is, if you can get it. Good luck.
United Health Care medical insurance
 Well, I am about to use my vision coverage insurance for United Health Care. Eye Exam 2000 said they only covered 15-20% of the exam, 20% of cost of lens/glasses. I have never heard of such a low amount covered. I guess I have the wrong plan. Anyone else disappointed with United Health Care benefits besides me? I work for a large national.
Thanks. I guess I am hoping someone will tell me I am wrong and that 80% of the bill is covered. That this is all a mistake.
Signed,
Squinting
That was with full benefits, which are the same benefits as an in-office employee for the QA staff..
However, I hear that their current QA staff are being asked to reach numbers that are out of sight and goals are basically impossible.
IC positions offer no benefits, employee positions off full benefits, so if you do not need
benefits, then IC would be best.
I bet other insurance carriers have insurance for their employees. Why not Wal-Mart? nm
:+
Kinship care versus foster care/adoption
Having been placed in a position where I now have custody of my 3 YO granddaughter and going through the legal system, I sought an online network of relative caregivers for children. I would encourage you, especially since you are in Georgia, that if you take any children into foster care with the idea of adopting them, there is federal law that requires the state to take certain actions in a specific time frame. When a child is removed from it's bio parent(s), the state is required to investigate any possible relatives who can take the child before foster care is considered, but even before that, reunification with the parents is the priority. Once a child enters the system and is in the system for 15 out of any 22 months, the state is required to find permanent placement for the child.
The problem with this is that there are case workers who may favor a foster family and do not seek out relative care. I have a good friend in Georgia who had to fight all the way to the state level to get custody of her grandson after the child was placed from the hospital into a foster care home with the promise that the foster parents would be allowed to adopt. She has now adopted her grandson, but it was a long, hard battle to get the state to admit their own interests were placed above those of the child and/or family.
If you get a child placed through the state, please make certain there is not a relative who wants that child before you get your hopes up. The courts are now favoring return of children to relatives even after a child has spent years with a foster family who hoped to adopt them.
States get bonus federal funds by complying with the time lines and being able to close the case, so some states place children in foster care because it is easier than trying to locate relatives.
Didn't mean to go off on a tangent, but I can't imagine my sweet bella going to someone outside her family.
If it was a clinic, it might have been urgent care, but it was NOT acute care. sm
Acute care refers to work in an acute care setting, a hospital, doing at least History and Physicals, Discharge Summaries, Consultations, Surgery notes, Emergency Department notes, and much more, including GI procedures, Cardiology procedures, Neurological procedures, Pulmonary Function Studies. It goes on and on and it means and acute care hospital setting, not a clinic.
I always figure if they don't care about their dictation, they probably don't care about their
nm
Dont care how many languages you took. Care
x
oh, so if I don't care about my job, I "should" care
you come off as narcissistic.
Right Now, we do get benefits
but MQ is trying to change that, of course. They are trying to get our hospital to outsource everything to them, which would then mean i can work for MQ or leave. I hate MQ. I want to see them exposed for what they really are and I want to see everybody that have hurt, be compensated.
You can do that with benefits too, ya know.
:)
As long as you're happy, it pays your bills, and you can make ends meet at tax time, that's all that counts. :)
Is that with or without benefits
Do they have Editor positions as SE?
If you don't need benefits, look into
doing house cleaning for individuals on a weekly basis. Lots of under-the-table money to be made from what I used to see when I worked at a bank (and saw deposits of gals doing housekeeping). Weekly house cleaning is no longer limited to the well off professionals.
I was in QuickLube, or whatever it's called this week, and a 70-something lady was talking about her work as a home aide - light housekeeping and cooking and companionship - no medical stuff. She got her referrals through her church and was charging $10/hour.
Unfortunately, some of us need benefits.
Not even in the salad days did I make anywhere near that. In fact, most of the services I know don't charge that.
It's all about the benefits
Hospitals don't want to pay the benes. The hospital where I used to work was sold and the new owners threw us all out plus the service we used. My benefits alone costed the hospital roughly $5000 per year x that by 15 transcriptionists. Plus they provided everything for us, equip, desk, computer, etc.
Apparently they contracted a service for X amount of dollars per month/year to do it for them. No messing around with line counts and they always know what it will cost them.
Can you name some benefits for
the American MT to become certified? Please tell me how AAMT has changed the average MT's job security, satisfaction, etc. All I see is that they have given up on us and moved overseas to start programs and gain overseas members.
well, there are some benefits to having your own
was asking you to go away. A blog serves a similar purpose and in fact you may find a wider range of readers, interactions and help than what you may get on this web site. Yes, I have seen others here say they would start their own blog and have seen a couple of them, so it wasn't an only you thing (at least I didn't see it that way).
Benefits can add up to $10,000 though. (nt)
Tax benefits
I guess I just like knowing I own my own business and I made it what it is today. I like getting out and delivering. Talking to the people in the office making personal contact. Working as much as I want. I also like the write offs and paying less than $1,000 taxes per year. To each their own. To me this is the answer. Most on this board all they do is say that there is no way to make 50K a year and I simply gave an example of how you can do it. I am not knocking you, you seem to have done it I just like doing it "my way" as Frank Sinatra would say. Best of luck to you.
If you do not need benefits then you would
there is more leg work involved especially when first landing an account. The other problem is that even when you have a contract with them they can break it any time for someone who charges less. So you must remain humble with your pricing. When you have your own accounts, you have cut out the middle man, BUT, you must chase down your money. In my experience, the Transcriptionist must get paid LAST because most weeks, I have to ask nicely or do without. Have a safety net, an account to borrow from until you get paid because a lot of the time they pull OOPS, forgot your write your check, or OOPS doc needs to sign it or you just wonder when you'll get it. Just SOME things to consider, but good luck on whatever you decide. 
IC - No benefits with this doc
I was total IC before. I dropped my other accounts and went the employee route for the bennies and so taxes are taken out. Now I get days and holidays off, too. That's a first. Worked 9 years 7/7, 12-14 hours a day, 3 days off a year for family.
What no one seems to realize that in my area, money is tight and so I can't charge the same as someone in a city or heavily populated area can charge. Jobs just aren't here.
Benefits
They cannot give you benefits if you are an IC. If they did they would have to turn you into employees. This is not just my opinion they are IRS rules.
My pay is okay - just no more benefits
It has become a matter of taking a higher cpl w/o benefits or lower cpl with benefits in this industry...as well as those employers who want (example) 7 years of experience for 5-6 cpl. Anyone accepting that should be ashamed to call themselves an MT. I make only slightly less than I did 5 years ago. Now I make 11 cpl on a 65 line count versus 11-12 cpl on a gross line - the difference though, is that I had paid benefits then which I don't have now. The other difference is that when I could work in DOS and create all reports into one file to send at the end of the day, I could routinely produced over 350 lph (and never, ever work more than 6 hours a day, 5 days a week!). Now that I have to work on a platform that requires individual reports being submitted, I've really taken a hit in how many lph I can produce. I still work less than 40 hr/wk, though.
I truly believe in working smarter than harder. If a company offers a platform or dictators that prevent me from making a minimum of 200 lph or more, then I don't work for them. If I can't use my abbreviations that I've built over the past 10 years, then I won't work for that company. If I can't have benefits paid by the company AND the cpl I want, then yes, I will be an independent contractor and take all the tax benefits I can. Last year, I only paid $268 in federal taxes for the entire year.
I have to work around my child as well (I am single) and I am fortunate that my training days are well behind me. I still have a good life and good income, but I am choosy about the company I will work for. When I am older and things change significantly that I make less than $40k/yr, then I will go back into coding and have a job with good pay and benefits. I can't see staying in a profession if it doesn't benefit me the way I need it to.
About benefits
After I wrote my last post I was just thinking about the benefits. I was with Keystrokes for a while and you can be an employee with them and still get the flexibility of 24 hour TAT and therefore you can get the benefits. So it's not impossible to get benefits and flexibility. I know the Keystrokes ortho accounts offer 24 hour TAT, not sure if it's all of the ortho accounts, but I know some of them do. I'm not sure if they have other specialties that have the 24 hour TAT. Good luck.
Benefits
The only "benefits" an IC gets is being able to make their own schedule. We do not get any medical, dental, retirement. We furnish our own equipment, do our own taxes, and do not get paid vacation or holidays.
benefits?
I know people who would change bedpans, just to get a hospital job because of the great benefits package. No judgement on types of jobs some of us would or wouldn't actually consider doing, but bottom line for some people is a steady paycheck and health insurance.
benefits
They do have good benefits and I did look into the kitchen job a bit more. I have not called HR yet. I guess my main point is I am surprised that the HR person did not follow through and let me know there is not an MT job. She did not indicate that when I met with her. I am also surprised that the application went to another department but if that is the way it is done, ok, fine. I do not feel I am a prima dona. I would have understood them passing the application on to perhaps the business office or something else in the medical record department. The job asked for an experienced MT so I was just responding to that particular job.
No Benefits
I'm an independent contractor and so I don't receive any benefits. The reason I stay as an IC is because it allowed me to obtain one degree, and now I'm going back to obtain my nursing degree, and so I like the fact that as an IC, I can set my own hours and that kind of thing...so unfortunately, the penalty for that is not having insurance, paid time off, etc., but I hope it will all be worth it in the end when I'm a nurse! And, I don't mind answering any questions at all...so feel free to ask.
Have a good day!
CMT benefits
Company I work for pays 1 cent per line more for CMT, also provides gift certificates for several webinars a year so does not cost me much.
Benefits
Just found out benefit premiums are going up over $100 more a month. I am hardly getting by as is, let alone when benefits go up. I have to carry the insurance for my entire family (husband is self employed). If someone works for a company that offers good coverage (deductible $1000 or less and copays $30 or less) and cheap premiums (i.e. less than $500/mo for family coverage), could you please let me know. I would greatly appreciate it. Thank you.
Benefits (sm)
115V AC
3-prong grounded plugs
dust cover provided
I have benefits.
I am an employee though, so make less per line than an IC, and don't get to choose my schedule. Worth it to get benefits though. You just have to find a company willing to hire you as an employee.
do we get benefits?
What's a benefit????
No more benefits, either
I didn't either think about benefits when I posted. I got two weeks paid vacation a year plus paid health insurance and matching taxes deducted through paycheck. Now as an IC, I don't get any of those things. The one thing I have now that I did not have even in 2002 was cable internet, but didn't really need it as much then.
Have you added in the other benefits
The company has great benefits that can add up to several thousand a year. Paid downtime. Paid holidays. Vacation/PTO starting the first year. No equipment rental fee. Big discount on word books. Rental library for medical education. Reimbursement for continuing education. Decent insurance. Might make a difference.
ICs don't have benefits, so you'll have to get
outside insurance. I don't know of any insurance that will cover pre-existing conditions or if they do your premium will triple. Go to e-insurance.com and you get rate quotes there. You can also call insurance companies in your yellow pages that write health insurance policies. BC/BS is one of the cheaper ones. You might want to look into just a major medical policy, very high deductible, lower premiums, basically only good in the even of a catastrophic event. You can also look into a medical savings account to see if you qualify.
Whatcha got? Pay? Benefits? SM
How does your deal work?
Benefits Question
I am curious as to if anyone has found a company that pays benefits after 90 days. I have heard horror stories of companies who don't. Thank you for your input.
What are the benefits of IC status? nm
I would suggest only if you need benefits.
a
Medware has benefits???
The only benefit I heard of was their paying half of self-employment taxes. They said they do not offer full-time employment; they offer statutory employment which means they offer one benefit--the full-time employment tax half-payment. Where do I find out about the medical, dental, etc. you mentioned?
Do you find BayScribe easy to use and to learn?
About how many lines per hour is your average? How many on a good day? I'm just wondering about what productivity people are REALLY having in the company, as opposed to what a recruiter might tell me.
Yes, they do offer benefits.
I wasn't aware that they hired SE or IC. I was only offered FT or PT employee status with a set schedule.
Be aware that your benefits will SM
likely be less than what you are getting now and more importantly, THEY WILL BE TIED TO WHETHER YOU MAKE PRODUCTION QUOTAS OR NOT. Spheris has a rule where if you are not making your production quota for whatever reason you are placed on PART-TIME status and are not eligible for full-time benefits for something like 3 months.
Well then, you will be an IC. Are they taking away your benefits? nm
x
hourly plus benefits sm
Not sure what they pay by the hour though.
If benefits are a concern...
I would just find an job working from home that offers benefits. My job allows me to make money by the line, and also as long as I work full time, I get benefits. As the other poster, I too like being able to work from home and not deal with traffic getting to work, gas, work clothes, eating out, putting children in childcare, etc. It saves me so much money this way.
Also, I have been doing this for six years, and I haven't known any of the doctors personally.
Benefits are a concern. I am currently
working as an IC, and I am sick of the tax stuff - really wondering if I come out ahead to be honest working that way. I definitely want benefits and have a prospective company interested in hiring me that offers benefits. I have always known the doctors I have worked for. I guess it's sort of a new working situation for me not to know the person I am typing for. I don't know if I would miss that. Do you find it hard to deal with a company who is across country that you can't just drive to at a moment's notice if you have a problem and can't communicate by phone or email with anyone?
You say you need the benefits, so I would definitely hire in
I did transcription at home, bought my own insurance, got depressed and gained weight and lost almost all my social contacts. It really changed my personality for the worse. But for another person with stronger family ties, or real involvement in the community, it might not turn out that way.
In the past 5 years I've had to have some medical attention(comes with my age group) and I have been SO thankful for paid time off and for health insurance. I now also have some hope of having a decent retirement income so I don't burden my children when i get to that age.
It's such an individual thing. Best of luck in making the decision that is a great fit for you and yours.
benefits after notice
the norm is a cobra period of 3 months - most states require cobra benefits. But you have to pay.
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