Struggling in the US
#106
Just Joined

Joined: Feb 2014
Posts: 22


I read about people in the UK wanting to move to the US and I have lived here in the U.S for over 25 years. It's becoming more and more of a struggle. Granted I have no college education, neither does my husband so we both work retail, low paying jobs with no health insurance. Its seems to me that if you don't have a good paying job with health benefits one might be better off in the U.K. Anyone else in a similar position feel the same way?
#107
If you don't have a good paying job and good health then it can be difficult here. The positives are housing is cheap and you can usually have land with it to grow vegetables. Petrol and cars are cheap, but then other travel can be hard as no rail. Depending on where you live weather can be better than UK. If you want to work there is always work to be had. USA is not very good if you are elderly and elderly with no savings can be very difficult as the social net is not very strong and you are on your own. If you are sick and have little money then you can use everything, thank god for Obama Care, although American health care even with insurance is not as good as people think. ....
#108
Forum Regular




Joined: May 2012
Posts: 265
From: USA











Home Depo I hear have the best employee benefit program
#112
Account Closed
Joined: Jan 2006
Posts: 0











Luckily they post their benefits online to the public, so easy to check.
Part-Time associates hourly
https://secure.livethehealthyorangel...PT-Book_v1.pdf
Full-time both salaried and hourly
https://secure.livethehealthyorangel...SFT-book_4.pdf
Part-Time associates hourly
https://secure.livethehealthyorangel...PT-Book_v1.pdf
Full-time both salaried and hourly
https://secure.livethehealthyorangel...SFT-book_4.pdf
#114
Banned










Joined: Apr 2013
Posts: 5,154











90 days of employment required until you get medical coverage?!
WTF do you do in the interim? ACA? How practical is that for just 3 months? Or COBRA? Doesn't seem very cost effective either. Ideas?
WTF do you do in the interim? ACA? How practical is that for just 3 months? Or COBRA? Doesn't seem very cost effective either. Ideas?
#115
Account Closed
Joined: Jan 2006
Posts: 0











90 days is a norm at a lot of companies, its the probationary period so they don't want to start benefits and extra's until they see if your even going to stay with the company.
I actually can't think of any company I've worked for that started benefits from day one, all had a 90 day wait if they offered benefits.
Heck even here in Canada when you first move here (except for Alberta and maybe Quebec) the government even has a 90 waiting period before health benefits kick in for the universal health coverage.
Get sick or injured in that time frame, your pay for it if your not carrying temporary private insurance.
#116
Banned










Joined: Apr 2013
Posts: 5,154











I always just went without for the 90 days and hoped nothing bad happened.
90 days is a norm at a lot of companies, its the probationary period so they don't want to start benefits and extra's until they see if your even going to stay with the company.
I actually can't think of any company I've worked for that started benefits from day one, all had a 90 day wait if they offered benefits.
Heck even here in Canada when you first move here (except for Alberta and maybe Quebec) the government even has a 90 waiting period before health benefits kick in for the universal health coverage.
Get sick or injured in that time frame, your pay for it if your not carrying temporary private insurance.
90 days is a norm at a lot of companies, its the probationary period so they don't want to start benefits and extra's until they see if your even going to stay with the company.
I actually can't think of any company I've worked for that started benefits from day one, all had a 90 day wait if they offered benefits.
Heck even here in Canada when you first move here (except for Alberta and maybe Quebec) the government even has a 90 waiting period before health benefits kick in for the universal health coverage.
Get sick or injured in that time frame, your pay for it if your not carrying temporary private insurance.
What would you do if you don't want to go without coverage for 90 days? Is there a gap insurance you could buy outside of COBRA?
#117
Heading for Poppyland










Joined: Jul 2007
Posts: 17,527
From: North Norfolk and northern New York State











I always just went without for the 90 days and hoped nothing bad happened.
90 days is a norm at a lot of companies, its the probationary period so they don't want to start benefits and extra's until they see if your even going to stay with the company.
I actually can't think of any company I've worked for that started benefits from day one, all had a 90 day wait if they offered benefits.
Heck even here in Canada when you first move here (except for Alberta and maybe Quebec) the government even has a 90 waiting period before health benefits kick in for the universal health coverage.
Get sick or injured in that time frame, your pay for it if your not carrying temporary private insurance.
90 days is a norm at a lot of companies, its the probationary period so they don't want to start benefits and extra's until they see if your even going to stay with the company.
I actually can't think of any company I've worked for that started benefits from day one, all had a 90 day wait if they offered benefits.
Heck even here in Canada when you first move here (except for Alberta and maybe Quebec) the government even has a 90 waiting period before health benefits kick in for the universal health coverage.
Get sick or injured in that time frame, your pay for it if your not carrying temporary private insurance.
#118
Account Closed
Joined: Jan 2006
Posts: 0











Could be, never worked for a government entity, only private employers and its been the norm at all of the one's I have worked for.
#119
I had to wait 90 days too. Not that I'm bothered as I'm covered on the wife's insurance which is far better.
#120
Where MIL teaches, it's now after 90 days for new teachers, count starting from the first day of school year for those teachers hired over the summer holidays like the head and nurse...and here in town, it's 90 days for the librarian job and a couple other jobs in the town hall.




benefits & parking
