There are some short-term insurance policies out there that cover you betweens job but do know that
Posted By: WanderingMT on 2007-07-24
In Reply to: I shopped around and found an insurance, although it is very - joan
they will not constitute as having "real" insurance thus the same has having had no insurance for those few months. I stupidly got a short-term policy for three months until my new insurance would kick in and it ended up not meaning anything to my new insurance. I had to wait a year for my preexisiting. This was Regence Blue Shield and others could be the same way. If nothing else, get a cheap high deductible plan ASAP to kick in right away if you dont want to take the Cobra.
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TT and life insurance policies
Assurant life insurance was offered (for life, long and short-term disability) last fall. Did anyone have difficulty rolling it over to the new payroll co. this past May?
Individual Health Insurance Policies
I am going to be purchasing my own health insurance policy for myself and my son in the next couple of weeks. I have gotten a quote from BCBS already, but was wondering if there are any other health insurance companies out there that offer good benefits at a decent monthly premium. Just looking for some suggestions.
TIA!!
From experience as an insurance biller and a consumer with 2 policies.
I think it is always beneficial to have two insurances. I think if it doesnt cost you anymore to have it for him...then do it. Most insurance companies have what they call a "coordination of benefits" and the second insurance usually does pick up what the first doesnt. Say for instance though, with your primary insurance has a $25 copay so they pay for everything but that. That is in turn will go onto your secondary and typically the secondary will pick that up, depending upon their "COB" (coordination of benefits) policy. It may not benefit you a lot if the second has a high deductible until something major, god forbid that.. but I had that happen with my child. One hospital visit and your deductible is met on both as well as your stop loss so basically your covered 100%. Again, it really depends on your insurance and how they do their COB so you may still have a small amount of a copay or percentage but if it costs you no more to haveh him on it, then do it. Trust me, you will be glad you glad, especially in cases of large medical bills. Anymore questions, let me know.
short term cure ...
OK thank you to the responders, I am going with a hot cup of coffee and extra sweetener .... knowing I am NOT ALONE helps, too! Thanks a bunch -- now down the hatch and onto SOME NEW THOUGHTS ..... !
I don't know about renting short term,
I think you could rent it and then return it, but you would have to ask. A friend of my rented-to-buy a Dell PC from them and learned a lesson. She paid approx. 200 every two weeks for almost a year. You will pay 3-4 times what the product is actually worth.
If you have a short-term disability
policy (from your company or if you happen to have one on yourself) you should be covered. If not, you are probably out of luck as far as disability goes.
I'm not sure what type of disability you're asking about. If you mean long-term disability you'd have to have a policy in place for that also and I think it kicks in 6 months after your disability date.
If you meant Soc Security disability, I can safely say you wouldn't be covered. You have to be permanently disabled for that.
be sure your insurance will cover surgery AFTER sm
he's going to lose so much weight the skin will be hanging and a lot of insurance companies will not pay for "cosmetic" procedures like tummy tucks, etc. to get rid of the excess skin. Just be aware. Good luck!!
You can usually purchase short-term disability from
your employer if they offer long-term disability. When it is offered, you usually choose the reimbursement rate, typically up to 70% of your pay.
Savings. LOL That's the way you'll make up the difference. Sadly, disability insurance (LT or ST) has never covered 100% of missing pay.
long and short term fixes
Keep ants from coming back by washing the area they were invading with ammonia to kill the scent they leave as a trail.
White flour (the kind you bake with) put over an ant hill (thick coat)or on the floor where they are invading, etc. will make the ants move to another place, but does not kill them, but is fast for getting rid of a big colony in your back yard.
Green Light is a commercial product that will kill the ants like Tarro does, but is not as fast as making them move somewhere else.
If you need short-term long distance...
while searching for a new long distance plan, you can try onesuite.com.
Short-term memory problems..sm
My SIL gave me a sign a few years ago that hangs in my office that says, "I think I am going through mental pause!" I use sticky notes to make many lists, too. You're not alone!
Will DQS work with dial-up (short-term). How long
nm
Short term memory shot to Hades
So sorry, Rad MT - I could not remember for the life of me who suggested making shortcuts for capitalized terms!
I did all the vertebral levels, except thoracic spine levels 2-11 'cause when do you ever type anything pertaining to the middle of the thoracic spine? HA! That's all I had today! Now I will go back in and make shortcuts for the rest of the thoracic spine.
Thanks for that tip.
accounts. Pay own taxes & insurance, charge to cover it all & to pay yourself a good salary.
nm
does anyone know anything about long-term disability insurance?(sm)
How long is considered "long term"? If you get some sort of disability that takes you out of the work force for years, does long-term disability cover that? TIA
Unions may be good for workers short-term, but look what has happened to American car union workers.
They priced themselves out of the market while making an inferior product. Ford and GM are now junk bonds. I'm driving a Toyota. So if that's un-American just like shopping at a non-union store like Walmart, well you can talk to whoever is in charge of wages and taxes who have created this monster where even middle-class has very little extra money to support a union store where the employees are paid well and you pay the price in the product they sell. I can't afford it.
8 is NOT good if never going any higher - good to get the rust out in the short term though
x
q. re short-term disability vs state disability
my short-term disability insurance coverage option says it pays when there is no state disability plan. How does one find out if the state she resides in has such a plan?
Insurances seem like such a racket. Seems they should not be allowed to take your $ if they are not required to pay-out in the event of a disability.
Thanks for any help.
All Chris did was cover the band Live's cover of the song. He
didn't do anything special.
I used Short Keys, not Short hand for Bayscribe, it worked fine.
x
His policies seem to show that,
Different company, so hopefully different policies. Thanks.
nm
BCBS. Individual policies.
.
Which companies have written policies against it?
Just curious...
It would certainly depend on that company's/hospital's HR policies. nm
x
Ditto, short ERs or short OPs....short anything! sm
And I especially don't like long OPs, they are the most boring for me, and the doctors pause a lot cause they have to think more. I just want to be done with it! Next!!! ; )
Long short forms vs short short forms
Carla,
A long short form is usually easier to remember. So I would definitely assign the short forms as suggested by Kelli:
SmithCThead
SmithCTabdomen
etc
In most Expander programs you would opt for a short short form as you have to type the whole short form before you can expand.
In Instant Text you don't have to type the whole short form: you type the first two letters of your long short form and then you can type any of the following letters.
So in this case you would type smcth for the first one, smcta, and you may also type smhead, smabd
This is possible when you use the Instant Text marker key to expand. If you use the space bar to expand, you may be better off assigning the initials as suggested in the second response, as you would not be able to "jump ahead".
Marianne
I bet other insurance carriers have insurance for their employees. Why not Wal-Mart? nm
:+
It is about more cover up
There isn't one thing liberal about it. It is about, as noted, covering it, glossing right by it .. better than the rest of us .. rules don't count .. do what you want .. you run the show attitude that these idiots have adopted in their bid to right wing the world and do what they want. Does Dick Cheney really need to be out shooting birds??? My God, he actually makes George look like the smart one now!! Scares me too death to know these fools are in the woods playing with guns.
Just have to cover yourself
I have an account that asks that I not use subcontractors but for vacation it is okay and I know if I had a two week illness or something they would be okay with it but for everday use, they don't want anyone but me. But again, I only work with verbal contracts and I know that means I could be let go at any time but so could they. I have asked my accounts every year for the past seven to ten years if they want a contract and they say no need for it. So we just keep on plugging along with each other.
Most likely will not cover
Unless they are considered a "dependent" and living with your or their main residence is with you when not attending college, they will not cover. Once they reach the age of 18, they must be attending college/school full-time and you have t have a form filled out by the school. Sorry.
ps CTA meaning to cover their a**.
x
Is this the same as Sheer Cover?
and wondered if it was any good; it's less expensive than Bare Minerals, I think. It seemed that in the infomercials, they applied a lot of concealer beforehand, so I was wondering what the difference was from using liquid makeup and then powder to set. ?
I use Sheer Cover . .
They let me order only two times a year. They also break the payments into two payments. I was going to cancel, and they said I could get the kit without the face wash and moisturizer, so it's a pretty good deal. I like it very much.
You can cover dependents (but I think it's SM
pretty pricey) and office copays are $20.
WC does not cover CPS any longer. They sm
have determined that it is not caused by typing. Can you believe that?????
Take the cover off the litterbox.
/
Cover letter
I am a professional resume writer, as well as an MT for some years now. It is advisable to send a cover letter with the resume as it shows you have an interest in the company and it is a means of introducing yourself. If I can be of further help, please e-mail me.
So, if I hire someone to cover a specific
eight-hour period and she decides she wants to stop after six hours and spend the last two hours of her shift making dinner, how is the work that comes in during those two hours supposed to get done? Or does that not matter in your world? I have contractual TAT to meet, and I determine schedules on that basis, not on someone's dinner plans. If an employee of mine agrees to cover a specific period of time but fails to do so for something other than a legitimate emergency (and the OP was clearly already making plans not to work the full eight hours of her shift), then that employee is fired. I can do that. I have done that. I don't care how much work gets done in the first six hours. If someone has a specific eight-hour shift, it's because there is work to be done during all eight hours. Leaving the last two hours of work undone on a whim could put me out of business. I will not allow some little princess to do that to me.
A good of thumb is 30%, that should cover everything.
x
Well, I read in the cover story of the TV...sm
I read in the TV book a story about this season of the Sopranos and they did say Tony does get knocked off....but Uncle Jr is the only one in the house, completely flipped out, and Carmela is out and about but about to get in her new car and drive home. I'm thinking that Tony dies and she has got that new car and perhaps the police will think she had motive to kill him........ohno....
Uncle Jr is totally *out to lunch* at the moment in my opinion.
Thanks for the optimism though!!! 
question about cover letters
If the job ad says send your resume, do you send a cover letter also?
When account specifics does not cover
I usually refer to BOS and it states to add the year if not stated - if you are sure of the year. Also - interestingly enough - it says if you are doing long dictation and doc says labs done on April 4, 2006 are.........and then says additonal labs 4/5.... okay to used slashed date - this is on page 121 of BOS edition 2 if you are interested. That being said don't think you would be WRONG to leave off the year if it is verbatim account :))
The disney tickets cover 4 parks so you are not set in where you go- sm
They cover Disney, Epcot, Animal Kingdom and MGM-Studios. With a park hopper pass you can bounce between all 4 Disney parks in 1 day and it only counts as 1 day/ticket. Without the hopper option you can only go to 1 park that day, of course these are a little cheaper. Check out the Disney web site, it will explain all the ticket options so you know what to ask for when you do get your tickets. Universal is separate, is 2 parks in one basically, one side is more kid oriented than the other. Sea World is separate too, they have a few rides there now too.
homeowners ins doesn't cover this? *curious*
I have an HMO for Small Business Owners. I also have homeowner's insurance and I have my computers fully stealthed (per HIPAA laws) so no crackers/hackers can gain access. Actually I have many programs protecting all this medical record stuff. But I thought homeowner's covered the professional liability insurance when we own our homes and work from home (?)
Oh well, I am sure that Florida will be one of the last states to change over for MTs. *lol* - perhaps by then, I'll be out of the business/retired/permanent vacation...isn't THAT wishful thinking now?!...HAHAHAHA
I use the stereo headphone type that cover - sm
your whole ear. My first set (Aiwa) cost about $30 and lasted about 3 years, second, bought an expensive ($130) noise-cancelling set (Sony). They lasted about 18 months and were not as comfortable and went bad (one side has a bad hum to it now and are unusable---cord pulled out from plug --I unplug them at least several times a day to listen through the speakers --helps me get words I cannot "hear", guess it could not handle that). Just got a set of Maxells for $35, also noise cancelling (don't use that option though), that are very comfortable, block out lots of noise and with any luck will last a long time. I may just go buy another set now so I have them for backup when the time comes, hopefully in 3-4 years. --So obviously it depends on the brand and how hard you are on them.
They can't "tell you when" to work, but if they need someone to cover certain hours ...
such as noon to 8 pm it's up to you whether to accept the work or not, you are still an IC. I had a job doing radiology where I "had" to be online between certain hours and work had a 4-hour TAT. I was an IC, I only had to work those hours because I AGREED to it. So in effect I did "choose" to work those hours, I could have turned down the job if I didn't want to work those hours.
cover with thiamine and (s/l) serafellon for alcohol abuse
Got no help on word board. Running out of time.
Thanks in advance
No extra pay here either- IC gotta cover my client's account.
x
Loreal will cover the gray. Try an ash blonde shade. SM
That is what I do and when my white starts growing in at the sides, it blends in nicely. Looks like highlights.
Professional color looks amazing, but costs a fortune. You can do it yourself, but don't use the inexpensive brands, stick to the better ones. They will cover the white.
Your cost estimate is about right. Lots of insurances don't cover it. nm
When I was considering it, my insurance (Aetna) wouldn't cover the Band and I seriously considered going to Mexico to have it done (about $7000 at the time). I decided on a RNY instead, but Band surgery out of the country can be a great option if its researched thoroughly.
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