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Political Threads This section is for Political Threads - Enter at your own risk. If you say you don't want to see what someone posts - don't read it :hihi: |
09-30-2009, 10:47 AM
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#1
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Registered User
Join Date: May 2003
Location: Easton, MA
Posts: 5,736
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Quote:
Originally Posted by spence
No, what I said was that the value attributed to the benefits wasn't equivalent to cash.
i.e. if I have a 12K health insurance plan, and my company says they "contribute" 9K, they're not going to give me the option to take a 9K raise if I opt out.
Also, the rules on this might be different for a larger or smaller company. Read my freaking posts will ya...
-spence
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The value of the insurance benefit is equivalent to cash when you factor a person's total compensation. If I choose not to get my company health plan, I can get the equivalent cash value added to my salary. It won't be the exact same amount because the insurance deduction is pre-tax. Some companies do this, while others may give a percentage back to the employee. One company I used to work for wouldn't give anything back in the form of salary adjustment for not taking medical benefits. It's all up to the employer as to what they want to do. In my company, if I choose not to take my company vehicle, I can actually make out. They base my vehicle allowance on a pretty nice car. If I were to opt out, I could downgrade the car and put extra cash in my pocket every week. Benefits do have a real cash value.
As for reading your posts, I read some of them every day. Since their all basically the same, I don't see the need to waste my time on all of them. I was keeping track of how often you were using the word "neocon", but it got out of control. I figured you'd have turned the page on your "Political Talking Points Word of the Day Calendar" by now.
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Conservatism is not about leaving people behind. Conservatism is about empowering people to catch up, to give them tools at their disposal that make it possible for them to access all the hope, all the promise, all the opportunity that America offers. - Marco Rubio
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09-30-2009, 10:58 AM
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#2
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Registered User
Join Date: Nov 2003
Location: RI
Posts: 21,182
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Quote:
Originally Posted by fishbones
The value of the insurance benefit is equivalent to cash when you factor a person's total compensation. If I choose not to get my company health plan, I can get the equivalent cash value added to my salary. It won't be the exact same amount because the insurance deduction is pre-tax. Some companies do this, while others may give a percentage back to the employee. One company I used to work for wouldn't give anything back in the form of salary adjustment for not taking medical benefits. It's all up to the employer as to what they want to do. In my company, if I choose not to take my company vehicle, I can actually make out. They base my vehicle allowance on a pretty nice car. If I were to opt out, I could downgrade the car and put extra cash in my pocket every week. Benefits do have a real cash value.
As for reading your posts, I read some of them every day. Since their all basically the same, I don't see the need to waste my time on all of them. I was keeping track of how often you were using the word "neocon", but it got out of control. I figured you'd have turned the page on your "Political Talking Points Word of the Day Calendar" by now.
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Read the thread again, you're still not up to speed.
-spence
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09-30-2009, 11:30 AM
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#3
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Registered User
Join Date: May 2003
Location: Easton, MA
Posts: 5,736
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Quote:
Originally Posted by spence
Read the thread again, you're still not up to speed.
-spence
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No, I'm up to speed just fine. The thread started out about what the cost of govt. health care is going to be for people. Then you and Scott got into a little bitchfest about infant mortality rates, and you got frustrated and used insults and talked down to him. Then there were some comments about what individuals could do to be healthier and what companies should do for their employees. Then, JohnnyD and you started to argue with Scott about what the real cost of health insurance is for a company and whether or not someone's wage should be adjusted if they decide to decline their company plan. Then, I pointed out some facts to you which you clearly didn't like. Because you couldn't come up with anything better, you tried to insult me by saying that I wasn't keeping up with the thread. This is a thread that's gone off on 3 or 4 different tangents thus far, and you yourself have been invloved in most of it. I chose just to respond to posts that I could give an informed opinion and some real facts on.
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Conservatism is not about leaving people behind. Conservatism is about empowering people to catch up, to give them tools at their disposal that make it possible for them to access all the hope, all the promise, all the opportunity that America offers. - Marco Rubio
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09-30-2009, 11:55 AM
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#4
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Registered User
Join Date: Mar 2003
Location: Gloucester Massachusetts
Posts: 2,678
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Had to read back a few pages to get caught up to par .
Spence you stated a few pages back that your 12,000 plan sucked. And I mentioned my plan was very good.
If your plan is so terrible why would you switch your wife to your plan? Is hers worse or do you feel that they owe you more such as free gym?
For my family plan of 12,000 dollar plan which my employer pays fully We do have to pay the first 1,000 of doctor,medical bills that acumulate for the year. Nothing is taken out of my pay check to pay towards the premium. I'm futher ahead of the game then having to pay 30 - 40% of the premium
There are employers that will negotiate some of the difference if the employee chooses not to use the companies plan.
My wife and I always negotiate a medical plan when we work for a different company. Very few people in our line of work have company insurance.
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09-30-2009, 12:14 PM
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#5
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Registered User
Join Date: Nov 2003
Location: RI
Posts: 21,182
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Quote:
Originally Posted by Fly Rod
If your plan is so terrible why would you switch your wife to your plan?
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We've been on my plan for some time now. My frustration with our current plan is that out of pocket expenses have skyrocketed the past few years. My assumption is that this has happened to most people.
We have thought about comparing our present situation with what her company could offer and see if there's a net benefit.
Quote:
Is hers worse or do you feel that they owe you more such as free gym?
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We used to have a gym reimbursement which was taken away some time ago. I found this to be silly...
Quote:
For my family plan of 12,000 dollar plan which my employer pays fully We do have to pay the first 1,000 of doctor,medical bills that acumulate for the year. Nothing is taken out of my pay check to pay towards the premium. I'm futher ahead of the game then having to pay 30 - 40% of the premium.
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I'd like that better than what we have. I pay several hundred each month for my family plan w/some deductibles.
Quote:
There are employers that will negotiate some of the difference if the employee chooses not to use the companies plan.
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And (for the millionth friggin time) I never said there wasn't!
-spence
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09-30-2009, 12:17 PM
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#6
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Registered User
Join Date: Nov 2007
Posts: 12,632
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Quote:
Originally Posted by spence
And (for the millionth friggin time) I never said there wasn't!
-spence
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you inferred it...
your insurance company must LOVE getting phone calls from you
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09-30-2009, 03:14 PM
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#7
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Registered User
Join Date: Nov 2003
Location: RI
Posts: 21,182
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Quote:
Originally Posted by scottw
you inferred it...
your insurance company must LOVE getting phone calls from you
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Nope, been arguing the opposite the entire time. You just want to bottom feed.
-spence
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