Lars (midessa) Posted June 18 Posted June 18 The job I ‘retired’ from, The work week started on Friday, 14 days (straight) on duty, then 7 days off. Every other Friday was payday. As I was the service center ‘supervisor’ I did not partake in the ‘rotation schedule’ side of the workforce. That side would be on days for 14, then off 7, then comeback and do nights or 14, rinse and repeat. Quote
Chester5732 Posted June 18 Posted June 18 Ours is Sunday thru Saturday just like a calendar. Paid every week. Quote
pt756 Posted June 18 Author Posted June 18 As evreybody else on here probably paid for their own health insurance being self employed all the health insurance was a an insurance policy that the hospital couldnt clean you out, we paid dearly all those years, In the beginning it wasnt even deducted from our farm expense, Now on medicare still paying a good portion because medicare doesnt cover it all, some of these medications that I have tried , literally thousands up front cost unless insurance kicks in, and some I didnt try because of cost. not complaining at all either as I have had a good run over the years, Now the nexr thing you hear about as you age is how to afford nursing home if that ever happens, *0 acres next to us, never farmed , horse pasture, guy worked out all his life, now about 90 statrted slipping, asked neighbor close ny what happened to the guy, if nursing home state will get the land, Quote
Illini986 Posted June 18 Posted June 18 Pretty common thinking anymore, at least around here. When someone learns how to play the game (food stamps, fmla, government handouts, etc.) they generally don't give those benefits up. Quote
Shell1066 Posted June 18 Posted June 18 15 hours ago, MTB98 said: If you earn too much to qualify for benefits but not enough to buy them on your own (and the employer won’t or doesn’t provide them) what’s a person supposed to do? Get off your a@#$ and work?? There is satisfaction and a sense of pride that goes with going to work and busting your tail. Not to mention health and mental benefits. I don't fault the ones that REALLY need it, But WAY to many are milking the system just to be lazy. 2 1 Quote
766 Man Posted June 18 Posted June 18 The messaging from the media and popular culture is hard work is for suckers. Scam and cheat your way through life. 3 Quote
brahamfireman Posted June 18 Posted June 18 16 hours ago, Cool1566 said: Wow. I love how society has shifted to where the employees get to dictate the conditions of their employment….. We haven't shifted, unions have been doing that for 150 years. Employee wage demands bankrupted IH. 4 Quote
brahamfireman Posted June 18 Posted June 18 15 hours ago, MTB98 said: If you earn too much to qualify for benefits but not enough to buy them on your own (and the employer won’t or doesn’t provide them) what’s a person supposed to do? Obviously the answer is to ask the government I.E. the American tax payer, for more... 1 Quote
lotsaIHCs Posted June 18 Posted June 18 I make a distinction between people who are perfectly able bodied and fit to work but decide they don't want to do so and people who have been working for 30 or 40 years and then have an injury or illness that prevents them from working full time. Those who have been paying into social security and unemployment for many years did so for just such an event. I'm not going to fault anyone who has a legitimate injury or illness for using the programs they have been paying into for years. 5 1 Quote
acem Posted June 19 Posted June 19 Some people cheat the system. Some people try to make themselves better but have difficulty breaking out. There are few good paying jobs round here. That used to to work out ok since the cost of living was low here. But the price of houses has doubled or tripled in the past few years (from out of staters buying up property) and inflation has been high for years.. Now it's hard to get buy here working typical jobs... Then add $500+ dollars a month per person for health insurance and $13 per hour don't go very far. 4 Quote
MTB98 Posted June 19 Posted June 19 10 hours ago, Shell1066 said: Get off your a@#$ and work?? 9 hours ago, brahamfireman said: Obviously the answer is to ask the government I.E. the American tax payer, for more... The young man was and is still working. When working pays less than what is needed to buy something that everyone should have then reform is needed. The alternative is he goes without insurance and uses the ER as his primary care. A quick DDG search says that the average cost of health insurance for an 18 year old male in Wisconsin is $400-600/month depending on coverage and deductibles. The Wisconsin Department of Health website says the monthly income limit for an adult single coverage is $1,330. If you’re capped at $1330 and insurance would cost you $500 that means making $1331-1900 per month is not a wise choice. This could be an opportunity for the OP to mentor and teach the young man something and help him make the best choices, not deciding to do something because he thinks it might affect his insurance coverage. No one is living it up on $1300/month while “scamming” the system for free health care. 1 Quote
Chester5732 Posted June 19 Posted June 19 The government doesn’t not give anything to anyone that is has not already taken from a hard working American. 3 Quote
Board Shortener Tom Posted June 19 Posted June 19 5 hours ago, Chester5732 said: The government doesn’t not give anything to anyone that is has not already taken from a hard working American. It's best not to rely on the government for anything. They really don't have us in their best interest. I chuckle when I think about an elected official spending a year in my boots, although it would be entertaining to watch the struggle. 😂 2 Quote
Chester5732 Posted June 19 Posted June 19 2 minutes ago, Board Shortener Tom said: It's best not to rely on the government for anything. They really don't have us in their best interest. I chuckle when I think about an elected official spending a year in my boots, although it would be entertaining to watch the struggle. 😂 Yeah, most of them wouldn’t know work if it but then in the back side. 2 Quote
stronger800 Posted June 19 Posted June 19 Isn’t insurance more like $15-20k (single) a year? If a guy was paying out of pocket. It was 10+ last time I checked Quote
MTB98 Posted June 19 Posted June 19 15 minutes ago, stronger800 said: Isn’t insurance more like $15-20k (single) a year? If a guy was paying out of pocket. It was 10+ last time I checked It depends on your location and age and what type of plan you want. A high deductible plan will be much less expensive, but if you’re making $20k/year and have a $10k deductible and max out of pocket of $15k you basically don’t have insurance because you can’t afford to use it. At the same time you can’t afford the better insurance you can afford to use. Retirement plans have for the most part been taken from the employer as pensions and given to the employee as 401k plans. The same should be done with health care. Many people stay in jobs or with companies because of the benefits offered. Having HSAs is a step in the right direction. 2 Quote
stronger800 Posted June 19 Posted June 19 I meant an average guy, making a healthier income but self employed, if he wanted to buy coverage. Quote
Dirt_Floor_Poor Posted June 19 Posted June 19 I have never had employer provided health insurance and I have never been uninsured. I have paid it myself my entire adult life. I had huge bills when my kids were born and have also had some health problems myself. I have had hospital bills that I could not pay and every single time they were more than willing to work with me as long as I was making regular payments. If you are 18 years old and think that working less and sitting at home more is the answer to your problems, you are likely so stupid that you are incapable of being educated. 2 1 Quote
MTB98 Posted June 19 Posted June 19 4 minutes ago, stronger800 said: I meant an average guy, making a healthier income but self employed, if he wanted to buy coverage. If you’re older it will probably be more expensive. And if you want the basic “catastrophic” plan that would only be used in catastrophic circumstances then that will be much less expensive than a low deductible, low out of pocket maximum, low co-pay plan that you’d be much more likely to use. Even so, a guy making $70k with a $20k health insurance bill is spending a significant portion of his income on something he may not use and will still need to meet a sizable deductible and pay a percentage of the bills until out of pocket maximums are reached. Quote
Dirt_Floor_Poor Posted June 19 Posted June 19 1 minute ago, MTB98 said: If you’re older it will probably be more expensive. And if you want the basic “catastrophic” plan that would only be used in catastrophic circumstances then that will be much less expensive than a low deductible, low out of pocket maximum, low co-pay plan that you’d be much more likely to use. Even so, a guy making $70k with a $20k health insurance bill is spending a significant portion of his income on something he may not use and will still need to meet a sizable deductible and pay a percentage of the bills until out of pocket maximums are reached. Back when I was young and before a certain president attempted to “fix” healthcare, I was paying $75 a month for a plan with a $10,000 deductible. Since healthcare was “fixed” for everyone, costs are up 1000% or more. They need to stop fixing things, they’re not good at it. 4 1 1 Quote
MTB98 Posted June 19 Posted June 19 4 minutes ago, Dirt_Floor_Poor said: If you are 18 years old and think that working less and sitting at home more is the answer to your problems, you are likely so stupid that you are incapable of being educated. I don’t think he said that. He said working more hours for pt might cost him more than his benefits. Maybe he can find a better paying job or a job with benefits where he won’t need his Badger Care. He’s smart enough to do the math, maybe, if what he thinks is actually true. Quote
MTB98 Posted June 19 Posted June 19 1 minute ago, Dirt_Floor_Poor said: Back when I was young and before a certain president attempted to “fix” healthcare, I was paying $75 a month for a plan with a $10,000 deductible. Since healthcare was “fixed” for everyone, costs are up 1000% or more. They need to stop fixing things, they’re not good at it. Yes before that time my employer covered me for free and my family for peanuts. Not the case anymore, it’s hundreds per week for worse coverage, so that’s not the world we live in today. Quote
Dirt_Floor_Poor Posted June 19 Posted June 19 3 minutes ago, MTB98 said: I don’t think he said that. He said working more hours for pt might cost him more than his benefits. Maybe he can find a better paying job or a job with benefits where he won’t need his Badger Care. He’s smart enough to do the math, maybe, if what he thinks is actually true. Yes, it may. But, that assumes that he can never surpass his current skill level and move up in the job market. If he works less, it will likely be true that he will never earn more because he’s an idiot and makes poor choices. 1 Quote
MTB98 Posted June 19 Posted June 19 Just now, Dirt_Floor_Poor said: Yes, it may. But, that assumes that he can never surpass his current skill level and move up in the job market. If he works less, it will likely be true that he will never earn more because he’s an idiot. He has to live in the present and presently if he works too much he loses more than he gains. There’s nothing stopping him from finding something better to make a living. We can’t just assume he is saying F it and sitting at home playing video games all day so he can keep his health insurance. Quote
Dirt_Floor_Poor Posted June 19 Posted June 19 Just now, MTB98 said: He has to live in the present and presently if he works too much he loses more than he gains. There’s nothing stopping him from finding something better to make a living. We can’t just assume he is saying F it and sitting at home playing video games all day so he can keep his health insurance. Well he could be at home brushing up on his calculus, but I think it’s unlikely. 2 Quote
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