Not what I understand -- tax liability
Posted By: Patti on 2008-01-20
In Reply to: So obviously anyone entitled to a refund....sm - Fingers Crossed
It doesn't matter whether you get a refund it is what your tax liability is, I think you have to have had a liability of over the amount, or paid at least that much as taxes for the refund. If someone does not have enough withheld but still pays over $800 a year in taxes, they should get something. But if your tax liability goes down to zero, and you get EVERYTHING back that you have paid in plus more, then I do not think you would get anything. But again, I am no expert but what I heard is that you had to have paid at least that amount into as taxes after filing.
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no liability on IC's because MT's dont' have liability
-- the docs do. I have yet to hear of an MT in court because of what she transcribed...so don't worry about the liability. Big panty wadder coming from insurance companies.
Liability
What company is this for?
What about liability???
Found a hard working young mom who desperately needs income. Told her I'd pay her $12/hr to help me get my home spring cleaned. But, I wonder about liability should she or her son (she needs to bring her 3 yr-old son with her) get hurt on my property. Or, heaven forbid, she stoops to the low road and scams me. I do not know her well and she seems relatively honest but I am paranoid.
Should I have her sign a waiver???
ESL's a liability?
Imagine if the messed-up phrase had been directly linked to some life-or-death decision, or an allergy to medication, peanuts, or whatever. Makes me wonder if hospitals & clinics have ever thought about the possibility legal trouble an ESL doctor can cause by not being able to speak clearly.
ICs and Liability
Does anybody know how liability is handled if a transcription mistake causes harm to a patient if the Transcriptionist is an "Independent Contractor?"
Is liability insurance one of the first things an IC must purchase? Does the MTSOs customer who hired the MTSO as an IC think it's a good idea to SUBcontract the transcription work to a subcontractor who may or may not be insured?
Speaking of ICs...I found the following link on the U. S. Department of Labor's website most interesting:
http://www.dol.gov/esa/whd/regs/compliance/whdfs13.pdf
It seems that a lot of transcription companies are illegally viewing employees as "independent contractors" when the criteria for such are not being met.
For example, if you hire an INDEPENDENT contractor to remodel your house, the contractor presents YOU with the contract, not the other way around. (Hint: The one who presents the contract must be the contractor!) The contractor presents you with the bill when the work is finished; you don't tell him what your "hourly rate" is.
You meet with him and come to an agreement as to price, what work you want done, and other things that both of you agree on.
However, you do NOT tell the contractor what tools they will use, what shifts they will work, or what equipment they will use to do the job. You can't say things like "I don't like DeWalt power tools. Go out and buy all Makita power tools if you're going to work on MY house."
Read what the U.S. Department of Labor says about Independent Contractors and how narrow that scope really is. Then, the next time a company hires you as an "independent contractor," act like it. Present them with YOUR contract and tell them what YOUR rate is. If they start talking about their cpl rate, then they're an employer, not your "customer." Remember, REAL ICs are the ones that bill for their work.
Virtually no liability as an MT...sm
you never hear about transcriptionists getting sued. You could just increase your homeowner's coverage to a 1 mil liability coverage - which would give you 1 mil liability for everything, not just getting sued as an MT. But I don't carry it and I don't know anyone who does. I have a small service and even when I sign contracts with hospitals that require vendors to carry insurance, they just write a line through that clause.
Liability Insurance
I carry a $1 million umbrella policy that covers basically anything that happens at my home or in my car, except weather and acts of God. This policy costs me $213 per year and I feel that it is well worth it.
somebody please help me liability insurance
i have a job offer that requires liability insurance. company is accuscribe. i have no idea where to go to get this insurance or how much it costs. i am really confused. somebody, please help me!
E & O Liability Insurance
E & O Liability insurance with AAMT runs $300 per year.
Do most IC's buy liability insurance?
I cannot afford to buy this insurance. Am I jeopradizing my home, etc.
I keep wondering if this career is worth it. I seem to put in so many long hours and do not get paid what I really put into it. On the other hand, I do get that freedom of completing the work when I choose and whether it is in my pj's or not.
Just wondering. 
Oops, liability is his.
x
E&O Liability insurance
I realize many of us think we do not need this insurance. Unfortunately, a local area hospital thinks I do to work for them. Someone had told me they got this through their home owners policy. Any ideas on how to do that? I'm not a member of AAMT. I checked into it before, and it was rather expensive buying it outright from an insurance company. Thanks. I need to find more work and, unfortunately, this is what this hospital requires.
It has happened to most of us. I just wonder what liability ICs have regarding this. nm
That's not true. You do not need liability insurance SM
I went through a similar situation not too long ago. My lawyer informed me that I do not need this insurance. The dictating physician is responsible for the content of the dictated file and if he/she fails to read it/correct mistakes before signing off - he/she is the one that buys the farm, not the transcriptionist.
In other words, error and omission insurance is a crock.
Professional Liability INsurance?
Does anyone have this through AAMT? If so, how much did you pay for it? If not, are there other options out there? I'm looking into errors and omissions and I read about this, and think it would probably be just what I am looking for, but I am curious about the price before I pay for an AAMT membership! Thanks.
I was deposed regarding a liability case
Patient only had a diagnostic test done where I worked. Family claimed it was from an accident. Insurance company bucked it saying it was congenital. My employer had to sue the family for nonpayment and because of that, the family's lawyer got a subpeona to have a disposition. I wasn't upset because I knew I had nothing to offer. The family's lawyer arranged to have it done where I worked (I was in charge of records Quality Assurance and for sending accounts to collections). The family's lawyer asked his mundane questions. The insurance company's lawyer kept trying to get me to say the ordering doctor ordered an unnecessary test. He finally asked me directly if I thought it was an unnecessary test. I looked him straight in the eyes and told him that I was not qualified to answer that as I did not have a medical degree and had no qualfication to state any test, procedure, etc., was every medically necessary. If he wanted a medical opinion, he would have to pay someone who was qualified to answer the question. He turned red and ended the whole thing.
What a total waste of time. 
Liability Insurance Rates? Does
anyone have a rough guesstimate of how much this could run an IC? I have been to various websites and got to an actual policy application form, but they only specify a cost of around $84 to $100, but don't say if that's monthly, quarterly, annually, etc. Anyone have an idea? Thanks!
Yes, sorry, the errors and omissions liability
insurance. I have not heard of it before, but there is a company recommended on company board and they require all IC's to have this type of insurance plan within 30 days of hire. The policy was very evasive to me, and I could only see the figure of $84, which I am guessing now might even be weekly? I think I'll forget about that company...
Do any of you ICs out there carry your own liability insurance if
you are working for an MTSO? I do not carry this insurance and was looking for what you all can advise me. Thanks.
Does anyone have liability insurance? What can you tell me about it? Wondering if I (am IC) need i
x
General Liability for Independent Contractors
I have just started a position for a company, and they require that I hold general liability insurance, but am a little lost as far as how to obtain that! Just wondering if anyone had any pointers for me.
Thank you in advance! :-)
who will provide IC liability insurance when state farm does not?
I want to be an IC, but in calling my insurance company they do not cover liability insurance for anything to do with medical......Does anyone know who I could contact?
I would be over there too.....but I also understand where
people are coming from when they say she is criticizing their gov't, etc. I can't say what I would do because I don't know what she is going through, but you can't just assume someone is guilty when there is no evidence to that. Those 2 brothers were held way too long and think about how their parents are feeling. There is no evidence that they did anything and we wouldn't be able to hold them like that over here w/ no evidence.
Don't understand
 I love it when I hear that an MT, at whatever company, is doing 2000, 3000, or more lines a day. I love to hear that because I am trying to increase my line count and this gives me encouragement. I love to hear how they do it and try to take their advice. I don't understand why some get so upset when they hear that an MT has a great line count. Why do they automatically have to be liars or cherry pickers? I think we should be picking their brains to find out how they are accomplishing this so that we can benefit from it.
So I say, keep on talking about your line counts for those of us who want to improve ourselves, please!
what if you can't understand the
customer service rep.....I've had many,many instances while dealing with CS reps from India where I was completely at a loss to understand what they were saying. I say, I you can't speak clearly get out of the field!
Understand
Hope it makes you feel better to know that not all of us out here expect you to keep it to yourself. It gets kind of lonely, and bad days are the worst for that. I have relatively good accounts also, working for a small MTSO, but some days it is all I can do not to come on here and whine. I say, if it makes you feel better, that is all that counts.
Here's what I don't understand - sm
Say we use a template and end up having to delete a lot of unused headings. How is that calculated into the line count? I guess what I'm trying to figure out is if we are typing to make up for the deleted headings, if this makes sense.
And, yeah, I suppose I could ask a company representative but I wouldn't really expect an answer and don't want to rock the boat.
SS is my 1st MT job and while it never quite passed the smell test to me, it was easy to get and quick to get started and is certainly giving me invaluable experience with ESLs, if nothing else. Yeah, the money stinks and I could certainly do without the nasty emails, but the thing is what it is: A foot in the door. And I may even try to keep SS as a backup if my new job turns out to be slow.
as i understand it,
QA addresses the body of the report or dictation, and QC's job is making sure the patient information or ADT is correct.
I understand what you mean sm
I definitely think people who get off on being rude, hateful and just plain nasty to others are not happy people. A happy person is usually cheerful, pleasant and helpful and that isn't always because they live in a bed of roses. I've known people who were always cheerful, pleasant and helpful even when they were dying inside. I guess their attitude gives them a serenity that makes them able to cope, I dunno but I would wish I could be more like those people. Some of them have had problems that would have, seems to me, weighted down a saint.
Hope your editor is in a better mood; meantime, just feel sorry for her/him, I'm betting he/she is way more miserable than he/she tried to make you.
I understand thanks
NM
I can certainly understand, been
there myself, but I am currently working on an account that the second shift person does 5 to my 1, not because I pick or choose when I work or what dictations I transcribe but because of the difference in hours we work I get the responsibility handed to me to take care of things like corrections, researching problem dictations etc, that take away from my production but the other MT thinks I am also a cherry picker but I cannot do anything about what people think, so I do not complain either but rather just do what is required and I know more about the system we work in than anyone else on this account and still produce enough lines to make a good paycheck.
I don't understand. Why should they have to? Maybe they-sm
do a lot of it in-house, or maybe they use a smaller service. I don't know the answer, though. :)
UNDERSTAND
x
I just don't understand....
How people get off demonstrating such grossly childish and rude behavior. Something's making you unhappy honey--you really should do something about it. 
I understand now.
been working so long my eyes are crossing
I understand what you are saying
I was on one account that I always had to fill in some of the info in order to have the ADT do the search to fill it in completely. Most of those reports were short ones as well. The account I currently work on, fortunately, almost always has the ADT filled in and are longer reports. However, you are correct, we do not get paid for the cc info and that can be time consuming when the doc/address is not in their drop-down list and you have to type all the info in yourself. You made a very good point about not getting paid for this.
I don't understand why someone
who has a 4 year degree would be a manager for K-Mart. It seems weird to me.
I don't understand
Well now, call me crazy, but I didn't respond to you yet. There must be an imposter out there.
don't understand
I must be dense but don't understand your question, do you mean how much does this equal if you were to get paid for spaces? Also how many characters in a line or is this a gross line? A simple test would be to check a document you had typed, using Word, see what your character count is with and without spaces divide by whatever your line count is and see the difference. Also see what your gross line is. Again, my brain could be dead on a Saturday after a very busy week but I don't understand what you are looking for as you don't give enough info.
Yes, I understand both of those
what if there are words following the quantity and unit of measure that make it end up sounding more like a sentence? Here is another example:
ANESTHESIA: 50 mg of Demerol were given along with 75 mcg of fentanyl.
It just looks wrong to me. Most of the time I end up flipping it around to say ANESTHESIA: Demerol 50 mg... etc., but I'm still wondering if it's okay to just leave it the original way.
Try to understand.
There are are three MTs scheduled to work 8-5 and 200 jobs to type. A fourth MT comes on at 8:00 A.M. because he sees a high volume of work. He/she sits down and begins typing for two hours at the end of which time there is no work. The three MTs who should have had 200 divided by 3 work to do for the morning have had 200 divided by 4 work and now have nothing left to do but sit and wait for the next flow of work. The fourth MT goes to have lunch, nap or play with the kids. (His/her schedule does not start until 3:00 PM. But at noon, she/he sees another drop of work, and she/he sits down and types for an hour. Then, the initial three MTs finish up their shift and the fourth MT comes on to begin a shift by clocking in.
Do you see where I am going with this?
When there is an unusually high number of reports, and TAT is threatened, calling for help is necessary but otherwise, I just do not see it as anything but intrusion and theft.
I think I understand her. Unfortunately, when there is
no required signature, people feel free to say what they wouldn't if they had to sign. If the negative posts could just be ignored, that'd be great, but you really have to see both to know which not to click on. Even people trying to be helpful here get attacked. It's very strange.
don't quite understand
I've usually worked at in-house jobs, so am clueless about this stuff....what do you mean by "double-dip"??
I'm not sure I understand this.
So you're saying we're all capable of murder, rape, etc. if that's what we want? I'm certainly not! We're all capable of desiring the same sex if we choose to? I don't think so.
I don't understand....
Do you live in a small town or something, and that's why you feel finding your own accounts are few and far between?
It is and has been my experience that clinics/doctors are SCREAMING to find good MTs,but that's the key - GOOD MTs. There are tons of them who claim to be good, but - well, uhm ..... never mind - we won't go there!
There's a LOT of work out there - a lot of it, but you have to do mass marketing and mailing and stay on top of it like a bird on a worm to find them. After all, you know,they're not going to come knocking on your door, right? Good luck.
I understand....
Don't let some of the posters on this board hurt you. In an abusive relationshup, you do what you have to do. You cover your bases, which is what I think you are suggesting. Different people have different experiences and you are just relating your experience! If she is not careful and has no documentation of abuse, her husband COULD convince the courts that SHE is making things up and HE is the better half !! Yes, you are probably sorry for your choice of the words *push his buttons* But you are just telling it like it is/was in your reality. You need to get proof to establish credibility. Probably, the better way to state it is...the NEXT time he is physically abusive...call 911 IMMEDIATELY!!!!! No bargaining, no questioning.
i don't understand
what your problem is. I don't mean to sound mean, but really 350 LPH, I wish I could do that. I type, at best, 250 LPH.
Sure, I do understand that, but there should be a way to (sm)
meet in the middle or something. For Pete's sake, SHE is the MTSO. She should be using a professional line count program. I understand that the Word count system is cheaper for her, but it isn't intended for medical transcription, it's intended for the kids writing their history paper to know if they've gotten to 500 words yet, you know? I should be paid for indents and returns just as I would be for the letter "p" or the number "5". I do totally understand your point, though. Do you think there is any way around it? Like perhaps that she needs to get on a professional line counting software and have us use it? I will not switch to the Word method without an increase in basic cpl pay.
Any ideas on how to phrase the conversation?
Exactly but I understand men can sometimes be such big ?!!?!
??!!
I sometimes get that. I understand
that magnesium can help. It is a natural muscle relaxer. Do a search on www.fatflush.com as they discuss achy legs there. Take care.
I understand that -
I admire someone who does not let themselves get distracted! I bet your boss likes it too!
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