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Struggling in the US

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Struggling in the US

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Old Jun 28th 2014 | 4:57 pm
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Default Re: Struggling in the US

Originally Posted by elgin
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?
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 eldery with no savings can be verydifficult 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 s people think. You need to be careful to monitor everything, as doctors do not talk to each other. Last month I had to have 3 different blood teasts because the 3 doctors I see do not talk. Now I know when one wants a test to ask the others if they need a spsecific test also so I am not being stuck x3 again. It may be time for you to go home. Good luck.
 
Old Jun 29th 2014 | 10:58 pm
  #107  
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Default Re: Struggling in the US

Originally Posted by shughes007
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. ....
How have we managed all these years without your profound insight? This stuff is great, it should be made into a sticky, or put in the Wikis.
 
Old Jun 30th 2014 | 1:30 am
  #108  
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Default Re: Struggling in the US

Home Depo I hear have the best employee benefit program
 
Old Jun 30th 2014 | 1:49 am
  #109  
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Default Re: Struggling in the US

Originally Posted by Ruth16
Home Depot I hear have the best employee benefit program
Free parking, I hear, though not in the shade.
 
Old Jul 1st 2014 | 4:08 am
  #110  
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Default Re: Struggling in the US

Originally Posted by scot47
Sociopath culture where they all pretend to be Holy Joes ! Pharisees everywhere ! False prophets and crooks !


Welcome to Georgia!!!
 
Old Jul 1st 2014 | 4:33 am
  #111  
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Default Re: Struggling in the US

Originally Posted by Pulaski
Free parking, I hear, though not in the shade.
benefits & parking
 
Old Jul 1st 2014 | 8:54 am
  #112  
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Default Re: Struggling in the US

Originally Posted by Ruth16
Home Depo I hear have the best employee benefit program
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
 
Old Jul 1st 2014 | 8:55 am
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Default Re: Struggling in the US

Originally Posted by Ruth16
benefits & parking
I think he was making a reference to the Home Depot employee in Atlanta who left his toddler in the car in the home depot corporate office parking lot and the kid died. May or may not have been intentional on the parents part.
 
Old Jul 1st 2014 | 9:58 am
  #114  
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Default Re: Struggling in the US

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?
 
Old Jul 1st 2014 | 10:25 am
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Default Re: Struggling in the US

Originally Posted by hungryhorace
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?
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.
 
Old Jul 1st 2014 | 10:35 am
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Default Re: Struggling in the US

Originally Posted by Jsmth321
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.
Same in England with employers (the 90 day probation period for benefits) but it's obviously a little different there given you have the NHS in case anything occurs.

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?
 
Old Jul 1st 2014 | 12:43 pm
  #117  
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Default Re: Struggling in the US

Originally Posted by Jsmth321
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.
The 90 day probationary period with no health benefits must be just in the commercial sector. As far as I know, in education and government sectors health insurance always starts day one, or coordinated with the end of your previous coverage, end of month or whatever.
 
Old Jul 1st 2014 | 12:48 pm
  #118  
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Default Re: Struggling in the US

Originally Posted by robin1234
The 90 day probationary period with no health benefits must be just in the commercial sector. As far as I know, in education and government sectors health insurance always starts day one, or coordinated with the end of your previous coverage, end of month or whatever.
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.
 
Old Jul 1st 2014 | 5:46 pm
  #119  
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Default Re: Struggling in the US

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.
 
Old Jul 4th 2014 | 4:34 am
  #120  
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Default Re: Struggling in the US

Originally Posted by robin1234
The 90 day probationary period with no health benefits must be just in the commercial sector. As far as I know, in education and government sectors health insurance always starts day one, or coordinated with the end of your previous coverage, end of month or whatever.
I think it depends.

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.
 


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