Asan Jobs

Have you ever been in a job that had great health insurance but the job you would really want to do does not have or not as good insurance? So if you had health insurance for the year or 90 days it takes for your new job insurance to kick in would you be more willing to switch jobs? And would employers be more willing to pay more to keep you there?

I have had jobs with great insurance. I have had jobs without any insurance.

The pay rate is what keeps me at a job not the insurance.
I have to AFFORD to go to the Doctor.

Please only answers from people who have worked these jobs and how was the healthcare they provided?

Starbucks, UPS, and Walmart are fameous for providing health insurance for part timers. Petco does, too, but it’s a limited benefit plan.

It’s not uncommon at all, these days, to find a part time employer with a limited benefit plan for employees.

I got laid off my full time job but kept my group insurance plan through COBRA for the next 18 months. If I take a freelance or contract job, can I still remain on my COBRA health insurance plan or would I need to get a new personal plan if I did freelance work?

I am getting surgery in a month and want to make absolutely sure I don’t lose my insurance if I take this freelance job I got offered.

You can keep the cobra as long as the place you’re working doesn’t have an insurance plan of their own.

I worked contract jobs through Manpower, they offered insurance as a choice to their temps.

I am looking for a job that offers health insurance. I am wondering if full time jobs all offer insurance or if this is something I should ask about. I do not want to ask and come off as being pushy if full time offers insurance, but if it is up to the employer then I need to know. Anybody know?
Thanks!

I am an insurance broker. Employers are not currently required to offer health insurance or any other employee benefit. However, many companies do offer health insurance because their competitors do, or because the employer simply thinks that it is the right way to treat employees (and family members.) In addition, some employers pay the whole monthly premium, while others ask you to pay part of the cost through payroll deduction - this is especially true if you work part-time.

I need to know about how many jobs extend an employee’s benefits (i.e. health insurance) to their spouse and/or family.

From a Kaiser Family Foundation report:

Sixty percent of employers offer health benefits in 2009. Less than half (46%) of firms with 3 to 9 workers offer coverage, compared to 72% of firms with 10 to 24 workers, 87% of firms with 25 to 49
workers, and over 95% of firms with 50 or more workers.

Even in firms that offer coverage, not all workers are covered. Some workers are not eligible to enroll as a result of waiting periods or minimum work-hour rules. Others choose not to enroll, perhaps
because of the cost of coverage or their ability to access coverage through a spouse.

Among firms that offer coverage, an average of 79% of workers are eligible for the health benefits offered by their employer. Of those eligible, 81% take up coverage, resulting in 65% of workers in firms offering health benefits having coverage through their employer. Among both firms that offer and do not offer health benefits, 59% of workers are covered by health plans offered by their employer.

The report did not break down the statistics by employers who did or did not offer family coverage. It would seem to be a reasonable assumption that the larger firms that offer health insurance also offer it to the employees family…

Life insurance is a requirement for anyone with a family, to ensure that when you are gone they are not left destitute and relying on government handouts. If however your job can be classed as ‘dangerous’ then life insurance is a must from the outset. Who decides whether your job should be classified as taking you beyond ordinary risk levels? Well, it seems reasonable that the insurance company who are going to provide your cover should be the ones to decide, and that is the usual case.

However, different insurers will have different ideas as to what constitutes danger, but they all have one thing in common. If your job does appear to them to have factors which take the danger level beyond what they consider to be ‘normal’, then your premiums will also be taken beyond normal. In fact whilst they will do their best to provide you with cover and will need to increase the cost accordingly, there are areas into which they will not go

For example a member of any of the three armed forces could normally expect to get cover, albeit at a surcharged cost. They can expect though that their policy will carry a clause that in the event of their being posted to a war zone, their cover will be suspended.

A spokeswoman for Standard Life made the point that whilst cover may be given for a particular occupation, it is likely that any increase in risk would result in increased premium cost or even refusal of cover. She gave an example that a tightrope walker could expect a refusal if they intended some action outside their usual parameters with a heightened risk factor, like an attempt to break a record.

Contemplation of risks taken in doing a job are very likely to lead to thoughts of Steve Irwin, the Australian crocodile hunter and general animal lover and investigator, who spent his working life taking chances with a variety of creatures. He died as a result of an encounter with a sting ray, a fish not usually closely associated with undue risk; that the apparent danger of his work with crocodiles did not cause his loss of life is a source of surprise to most people.

It is reported that he had told his wife that he expected to die young; with his penchant for dangerous situations his need for insurance cover as support for his family was obvious. Would cover have been available for such a dangerous occupation, and if so at what price? Would any underwriter have been prepared to provide cover? The answer is more than likely ‘yes’. A look at the insurance market shows that cover has been provided in the past for some extremely hazardous enterprises, and the level of premiums can account for this. High premiums for high risk are a temptation for any underwriter with a ‘calculating gambler’ mind who can collect huge returns if the enterprise in question is successful.

Despite his showmanship, Steve Irwin must have been a very careful type, more than likely taking only calculated risks, and fairly certainly a company could have been found who would provide cover. It is not likely to have been provided by a ‘conventional’ insurance company, and an Association of British Insurers spokesman is of the opinion that such a specialised policy would have been obtainable from an Australian company with the outlook and the experience to handle this. In fact what would have been needed is a firm similar to Standard Life or Lloyds of London (although most likely based in Australia), both being insurers with experience of specialised policies.

Such insurers have to keep very much up to date with new technology, to ensure that they ask the right questions and are well able to assess the risks involved. With new job titles being coined as technology advances, they cannot depend on those to provide them with an accurate picture. Instead they have to evaluate the materials used and the working conditions, to enable them to arrive at an answer.

It is no surprise then that different insurers produce different quotations, when the basis for the decisions probably has to be based more on instinctive reaction than intimate knowledge of the job proposed.

So as always it pays to shop around, more so in this case than in the ‘run of the mill ‘ jobs. Finding a broker on line may be an easy start in your enquiries, but you must ensure that he is absolutely clear with regard to your needs; your dependents will not appreciate finding that an unnoticed or overlooked clause renders the cover invalid.

Michael Challiner
http://www.articlesbase.com/finance-articles/life-insurance-high-risk-high-cost-669098.html

Basically, I work for an electricians union and i do side work. I need insurance for my side work. Can they look up to see if i took out insurance for electrical work and kick me out of the union?

You’re not going to get into trouble for having the insurance, you’ll get into trouble by doing the side jobs.

They can’t, per say, look up and find out if you have insurance. But people talk, and eventually, it will get back to them, and THEN they’ll kick you out of the union.

I am seeking a part-time job selling life and health insurance, and am especially interested in focusing on selling to seniors (because of the demographics where I live). I am licensed life and health in my state.

I am having trouble finding anything by checking the larger general employment sites like CareerBuilder and Monster - all of the listings seem to be for full-time agents. Can anyone recommend a company like the one I am looking for, or help me figure out how to locate such a company?

OK, first of all, you realize that many states have enacted new laws regarding selling insurance products to seniors, right?

But what you do, is go talk to local life agents. Just about any of them will hire you as a producer - for a commission split. No salary, just straight commission sales.

Use the yellow pages, locate agents near you.

Look at all the companies talking about the hundreds of millions of dollars it is going to cost them. Does anyone think they are going to eat the cost, or are they going to outsource jobs?

Well I’m assistant manager for a ears nose and throat doctor and considering medicare reimbursement rates,medicaid, and a load of other insurance companies have cut back and all I here about is how physicians are getting paid less and less every day I hardly think this is going to encourage jobs physicians in my county are in a panic right now. Just to clarify a physician goes to school anywhere from 8-12 years and some are struggling to pay their bills??? This makes sense…. yeah so now teachers who help develop our future are underpaid… and physicians who save our health are now also underpaid???? Don’t worry I think America is going in the right direction!