gs11rmb
Senior Member
Joined: Dec 21, 2010 12:43:39 GMT -5
Posts: 3,299
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Post by gs11rmb on Sept 8, 2020 11:22:36 GMT -5
nidena are many people applying for the job? In this climate companies are trying to shore up their financial positions so perhaps letting them know that you won't require benefits will help nudge your application to the top. It won't mean more money for you but could help secure the position.
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tractor
Senior Member
Joined: Jan 4, 2011 15:19:30 GMT -5
Posts: 3,453
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Post by tractor on Sept 8, 2020 11:49:59 GMT -5
My wife and I are double covered for vision and dental since it is offered through both of our employers. It’s great to have as we can go to the dentist or eye doctor and never pay a deductible.
As for medical, my wife gets an extra $3,000/yr for not participating in her work plan. She’s covered under mine. My company is considering offering employees $$ to not participate in their plan, which we may consider doing if things balance out right. I would say this is an exception not the rule.
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TheOtherMe
Distinguished Associate
Joined: Dec 24, 2010 14:40:52 GMT -5
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Post by TheOtherMe on Sept 8, 2020 14:12:13 GMT -5
I was told the reason I got a full time job was because I did not need health insurance.
I moved on after 18 months, but my co-workers all got fired or laid off. It's only the owner, his wife, daughter and son-in-law there now. It was feeling like that, which is why I went looking for another position.
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nidena
Senior Member
Joined: Dec 28, 2010 20:32:26 GMT -5
Posts: 3,580
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Post by nidena on Sept 8, 2020 16:05:16 GMT -5
nidena are many people applying for the job? In this climate companies are trying to shore up their financial positions so perhaps letting them know that you won't require benefits will help nudge your application to the top. It won't mean more money for you but could help secure the position. No, it's just me.
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teen persuasion
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Joined: Dec 20, 2010 21:58:49 GMT -5
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Post by teen persuasion on Sept 8, 2020 21:06:51 GMT -5
Thanks for the link. Interesting ramifications. In DH's former employer's case, it was conditional on proving you had other coverage, plus I believe there was no cost to the employee for the HDHP insurance and as I said a tiny $250 payout, so no chance of hitting the 9.xx% ceiling. But looking thru the math of adding the payout to both income and "cost of insurance", it would be risky for an employer to be generous here with the payout. No wonder they only paid $250. Talk about perverse incentives!
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nidena
Senior Member
Joined: Dec 28, 2010 20:32:26 GMT -5
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Post by nidena on Sept 10, 2020 20:39:17 GMT -5
Had my final interview today. The benefits in lieu of conversation came up. They said they would have to figure out what things they could offer. I did provide the gym membership and clothing allowance as potential options and I wasn't ridiculed or looked at funny. I'm now just waiting for the official offer letter and start date.
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