My insurance paid for my reduction, nightmares
Posted By: Romey on 2005-12-02
In Reply to: Why in the world would someone do that on purpose? I am 5Ɔ" and an - OMG
z
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That's about what I made. All my insurance was paid, too. sm
And it was for the whole family. Two weeks vacation and every holiday off. My rent was $90.00 and day care was $100.00 a month for two kids. It was 1970. Life was good.
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.
My IRS nightmares
Perhaps somebody on here can give me some advice......Back in August 2004, due to my husband losing his job, we were forced into Chapter 7 bankruptcy. At that time we provided our attorney with copies of income tax returns dating back to 2000. At that time, we were on a payment plan to repay taxes from 2000 (roughly $1300.) We had just filed 2003 taxes and only owed a few hundred dollars. Most of this underpayment of taxes was due to extra jobs my husband worked as a police officer. Anyway, we were told not to pay the IRS anything as the debt from 2000 and 2003 would probably be discharged. Bankruptcy was discharged in January 2005. We never received any correspondence from the IRS letting us know that we owed anything from those years. We ASSUMED that it had been discharged. We took another hickey in 2004 (they year we filed BK) as my husband had to cash-in his retirement since we lost our house and had to find a place to live...that check was in the amount of $25,000. Though we did have income taxes taken out when we received the check, I guess it threw us into another income tax bracket and that year we owed a little over $3000. When I filed my 2005 taxes last year, we were due a refund of over $4000 as my husband still is not working from the severe depression of losing his job and I am the sole breadwinner for the family. Long story short, the IRS took the $4000 I owed and spread it out over the the taxes that we previous owed for 2000, 2003 and a little of 2004. Their method of dividing the tax refund was odd as instead of wiping out the oldest debt first, they wiped out the 2000 debt but left a couple hundred of the 2003 and took a little off the 2004 debt. UGH!!!
After numerous phone calls to the IRS in May to determine what the heck was going on with the refund as I expected to get back a little of the 4000., they advised me it was tied up in the bankruptcy division. I talked to 3 different ladies at the IRS and all of them were extremely rude to me, no matter how polite I was to them.
Here comes the worst part.....yesterday I get 4 certified letters from the IRS, 2 addressed to me and 2 to my husband...informing us of intent to levy due to unpaid taxes. I called the IRS yesterday and once again explained the situation that we were unaware that we owed money from years prior to the bankruptcy and that I had also submitted a request to work out a repayment plan. The IRS rep, another rude woman, got snippy with me when I was trying to explain to her the reason why I could not get a loan to repay the tax today. She promptly told me, "No is a sufficient answer....I don't need to know the reason why." When I told her that since my husband is not working and I have the only income, I could maybe eek out $50 per month. She said, "Oh...that's not enough. That won't work at all." She also said, "You don't want the IRS to put a levy on your property (which I don't own anything for them to garnish, other than my wages. She then tells me she needs to transfer me to another department to work out a special circumstances repayment plan. Of course, I was on hold for 20 minutes and nobody came to the phone; then we were disconnected. I've been trying to reach the attorney that handled my bankruptcy to ask his advice and see what to do about the IRS.....That IRS customer service rep made me feel like a criminal and she spoke to me in a threatening tone. They wait 2-1/2 years, never bother to send a notice to say that we still owed for the prior years and now they're making my life miserable for an amount of less than $4000. Oh, and I told the lady that I had filed an extension for 2006 taxes but now had all my paperwork and would be working on them this weekend. I further stated that I felt pretty sure that I would be getting another large refund since I'm the only one working. I swear, I don't think the ding-dong heard a word I said. Truly amazing they come after my pittance when there are rich people out there that owe 10 times what I do. What really scares me is my parents just gave me a 2001 Toyota Camry that is easily worth $7000 or $8000 dollars. I really need that car and now I'm afraid to get it titled in my name for fear they will take my transportation!!! Not to mention what they could do to my bank account....and I have 2 teenagers I'm trying to raise. Maybe this will force my husband to get off his rump and do something besides odd and end cash jobs that don't pay anything. I had major depression a few years ago and I know it is bad but he kept telling me to get over back then.....I'm trying to turn the other cheek, but I can't do this alone either.
Has anybody out there been through anything like this that can give me some advice. Sorry for rambling!!
There goes my NM with nightmares again, has a mind of its own. NM
z
Sorry the word is nightmares.
made me make a typo because my hands were shaking at the thought of the whole idea!
Great advice, thank you! nightmares
z
Ooops, my NM stands for nightmares in my expander, NM
z
So funny!! Nightmares! The world of expanders! NM
nm
LOL Thanks for the memories or should I say nightmares. Does anyone remember the old dreaded
erase pencil with an eraser on one side and a brush on the other, with the black or blue carbon paper?!!! I can't believe 27 years have flown by so quick LOLLLL!!!
For QA consulting I'm paid per hour; QA instructing (college) paid salary, QA editing paid per li
I am an IC and work for two different MTSOs as well as instruct at a business college.
she is right 20% reduction in ASRs
don't be so snotty, some of us do have letters in our hands proving it!!! Don't make assumptions about other ppl. Some of us ARE losing $$ as of Oct 1.
Reduction is not 'gravy'
This is why we are all angry about it. We are not being paid purportately as you presumed. We have stayed on ASR because what is left on our accounts is the pits!!!
ASR reduction is a fact
I have a letter in hand with my new base pay rate which has been reduced by 20% for ME (ASR) work. I am under the Baltimore CSC office and am an SE. I was told I can opt out of ASR but the work is low and MTs who have already opted out are running out of work. So, it is not speculation and if I had a scanner hooked to this computer, I would prove it.
What do you do for stress reduction?
I am 100% stressed to the max, all the time. I wish I wasn't so high strung and jittery. So what do you do to relax and reduce stress? I need ideas. 
stress reduction
I have lots of hobbies that I enjoy soI can easily immerse myself in one of those and forget my troubles for awhile. My favorite hobby is scrapbooking. I also go to the gym daily and that helps reduce stress as well.
MQ line count reduction
I got that same call and I was furious. He acted like he didn't give a crap if I was mad and quit or not. I didn't know anything about a change in January. What is that all about.
i didn't say the reduction was gravy
i said what you have been getting up til now IS gravy -- you've been paid high-dollar for ASR when you don't have to do anything but edit.
Actually the reduction in SS benes only occurs.
UNTIL you reach full retirement age. In other words, if you take SS any month prior to your full retirement age (in this case 66), then the reduction in SS benefits is affected by your income. Also, if you are under normal (or full) retirement age (FRA): when you start getting your Social Security payments, $1 in benefits will be deducted for each $2 you earn above the annual limit - this is directly from www.ssa.gov, the site regarding Social Security.
I can understand why women want breast reduction
done, because this is actually not only a cosmetic surgery.
The weight of hevy breasts can cause back pain, shoulder pain and a lot of other pains.
Had I heavy breasts, yes,I would also opt for this surgery. But I think I would 'chicken out.'
I am just wondering since MQ ASR rate reduction starts the 1st of October how many have opted out
of ASR and how many are just going to continue to do the ASR. I wonder how much work they will push on ASR now with the rate reduction. Watch the accounts fly on ASR.
Other than the reduction in ASR starting Oct 1 the rest of the deal doesnt start until January 1 so
we all have time to move on if it does not suit us.
I bet other insurance carriers have insurance for their employees. Why not Wal-Mart? nm
:+
if mt paid 9, editor paid 4 or 5...how can company charge 14 and make it..sm
I know the going rate in our area is 14 cents per line. As MTs most companies here pay us 8 or 9 cents a line. Now add in the Editor rate at 4 or 5 per line..you are paying OUT more than you can charge a line. How would companies stay in biz?
Unless all work is sent by the company overseas at pennies per line, this would not pay for a company.
just curious how this works out
But how much are the US EDs gonna be paid? Typically this work is paid at 2-3 cpl. nm
:+
You don't get paid an hourly rate you get paid by line - sm
so because of how you are paid (not an hourly rate) you don't get OT, especially if you are an IC.
I would move on. I think it is so unfair not to be paid for spaces! I think we should get paid
per keystroke, but that'll never happen. I just think that these national companies are going to keep finding ways to cheat us. I found a job working for a hospital as an employee, paid hourly plus incentive, and they let us expand everything! Somebody's gonna have to kill me to make me give up this job. I will never go back to the national's again.
I feel for you though. I know that for us MTs those good jobs are few and far between and some have little choice but to work for the nationals. I just happened to luck into the job I have now. I just applied at the right time.
Good luck to you whatever you decide.
If those companies paid a fair wage, and paid more
all came out equal, people wouldn't feel the need to try to make up the deficit by going for the good stuff. I actually prefer the harder, juicier reports. But I can't make a living doing only that, because the pay is not commensurate with the difficulty. So even though I prefer not to, sometimes I have to pick up some of the easier, more boring 'line-o-matic' reports just to make ends meet. Tell your MTSO to make it work their while, and MTs will stop taking all the easy work away that you obviously would prefer to keep for yourself.
You wont show UE being paid because it is employer paid -
the employee will never have to pay this.
What you "should" be paid and what you "are" paid
sadly are two very different things. Good luck on demanding more..because someone else will just come along and take it for what they offer and they know it. 
10$ late if invoice is not paid within 10 days. At day 15 work stops until invoice is paid. Hardly
xx
Insurance
If you don't have insurance (dental, vision, prescription, chiropractic, and some locations medical) and don't have a lot to spend on insurance, ask me what I signed up for if interested.
There's a lot of information to tell and I don't want to ramble on if no one's interested.
Talk to ya later,
Andrea - Medical Transcripionist (Nashville, TN)
How can MQ take away the insurance
when the MT is paying for it also? Does that not count for anything?
Insurance
I didn't mean they were taking it away. What I meant is taking it over not making quota. Sorry.
wish I could help on that one - I have no insurance, however, -
I work for one of the TOP docs in NYC who is internationally known, so whenever I am sick, he has taken care of me, called in favors from other specialists, etc. The only bill I have to pay is the lab bill. If you work for yourself, that might be a route to go. I even got my bill at NYU Medical Center 75% off!!!
At one time Aetna was pretty good as far as rates for individuals.
Pet insurance....sm
No flames please, but how do you go about getting pet insurance? When you say "pretty inexpensive", what range are you talking about? Please, any info greatly appreciated. TIA
UPS insurance
I have sent packages via UPS that I have packaged myself and was still covered under their automatic $100 worth of insurance. I wonder if someone at the UPS store is giving you incorrect information? I had an ebay package damaged and they paid for the item even though I packaged it myself. Can you call the main UPS number and ask someone else?
Insurance
I am just curious about liability insurance for people that have IC status. Is it required and if so where can I find out some info on this? TIA
IC insurance
I have researched this myself and found that going through your local Chamber of Commerce is probably the most affordable way to go. If you become a member you are then eligible to get a good rate in health insurance and they offer many different options including HSA (health savings accounts). Check out different Chambers near you though because the membership fee can vary.
Insurance
I have a liability policy for which I pay $164 annually. This does not cover errors and omissions. For this type of insurance the cost would be sky high, or so I've been told.
insurance
I agree. I've had mine for 9 years as it was required and I've never used it. The only use it is, is for a write-off as a business expense for me.
insurance
there are several companies who now offer individual plans, depending on where you are, I had BC/BS - paid higher premium because I wanted good coverage, but can usually find something for around 100.00 a month if you don't have medical problems, copay for prescriptions may be 30-35.00.
insurance q
If you're someone with few health risks (non-smoking, etc.) and no major illnesses, you can probably get a good policy with any one of the major insurers, but ask specifics and shop and compare. When I was working as independent I tried to get one myself but they want to often put you in a $5,000 annual deductible which means you really have to get bad sick or hurt to even really see any benefits paid on your behalf and sometimes if you have a common condition like thyroiditis they would put an exclusion in for the first 6 months to 12 months that you have happen to need surgical treatment for that condition, i.e. thyroidectomy, you are practically on your own because it's pre-existing. I would suggest first applying for low-key health insurance, say $50,000, and then along with history-taking, they generally do a blood draw and EKG, along with perhaps even an HIV test among others, then you've got some "evidence" if you will of your health status before applying for major medical. Then decide later, if you are approved that is, if you want to keep the life insurance as you go independenty, or get life insurance and health insurance with a prospective employer if you happen to go that route instead of independent. This way family considerations also are taken into account. Overall it's best to go beyond the hand-outs which look so colorful and shiny with smiling faces, and look at the contract benefits, exclusions and limitations of any policy, which they hesitate to show unless you pay your money first. Hope you find the right one.
Insurance
I need to find out if Errrors and Omissions insurance is needed for a contracted medical transcriptionist?
Please let me know if you carry it and how I can obtain it?
Thanks...
insurance
No you do not need it and if you did, error and omission insurance is VERY expensive. I work for a company who requires general business insurance (tho I don't know why) and it costs me $168/year which I write off as a business expense but is still a waste of money in my opinion.
PIP INSURANCE
Everyone who lives in Florida should be aware that the PIP insurance as we know it is soon to expire on 10/1/07. Please go to the web site http://www.wpbf.com/index.html. In the center, scroll down a little in the middle is a survery that asks Do you think personal injury protection (PIP) should be eliminated? Please go on line and vote NO. Send this email to everyone you know. We want hundreds of votes.
Also, please send a letter to Governor Charlie Crist,o to Speaker Marco Rubio and Senate President Ken Pruitt. You can find their email addresses on MyFlorida.com. It is very important that they add this to their agenda on 6/12/07 for their special session.
Thanks for your help.
Insurance
I was in a similar position, needed insurance for just a short period until new insurance kicked in. I went to the United Healthcare insurance site and they have "gap" insurance that you can use for anywhere from 1 to 12 months I believe. It sure beats the high expense of COBRA and should get you through.
insurance
Yes, unfortunately I do know what happens! My husband has no insurance, but usually gets care through the VA. In April, he had an emergency, ended up with a pacemaker, a gazillion tests, doctors, two hospitals, ambulance, etc. Over $59,500.00 out of pocket expenses. If the VA does not pay (it is with their review board), we will be paying until we die. Some are taking as little as $25.00 a month, others are waiting for VA and then may reduce the charges somewhat. It is very scary to be without insurance. Try to get something for major hospital stays, surgeries, etc. Also, short term and long term disability are good. If you have any type of chronic condition, forget it. I have diabetes and hypertension both - cannot get coverage anywhere - I have tried several times, so I can be flexible/part time. Good Luck and God Bless You.
E&O Insurance
I bought a policy from State Farm. It cost me $257 for the year. I really have never heard of being able to cover it from home owner's policy, not unless it is for a small amount. My policy consists of $250,000.
I would call SF and ask them about it.
Good Luck!!!
E&O Insurance
Are you a contractor for the hospital? First, you need to make sure you know what limits they are requiring. If they are requiring E&O ins., then they should have something in writing about the limits. This is expensive insurance. I used to be a CSR for an insurance agency.
It's not something that can be obtained through your homeowner's insurance. Homeowner's insurance is occurance-based general liability (and property) insurance, whereas E&O insurance is claims-made liability. Specifically it covers you if you get sued because of an error or an omission that you do that causes harm to someone.
It surprises me that the hospital is requiring it, though. The doctors have to sign off on the reports that you type, thereby removing the liability from you and placing it on themselves.
E&O Insurance
I believe that $100,000 is sufficient, but I believe that most companies do not want to be involved in a lawsuit if something happens. They only want the contractor to be responsible.
Insurance
Why not just contact Aetna directly? Blue Cross/Blue Shield is pretty approachable. They will send you brochures detailing their policies.
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