Re: Jobs.... Benefits...

Subject: Re: Jobs.... Benefits...
From: "William Sherman" <bsherman77 -at- embarqmail -dot- com>
To: "Robert Courtney" <bobsc1 -at- earthlink -dot- net>, <TECHWR-L -at- LISTS -dot- TECHWR-L -dot- COM>
Date: Sun, 17 Mar 2013 01:04:15 -0400

I hate to say this as it may be viewed as too political, but with the way the economy is going, it is something all job hunters and even job holders have to watch for. With the national healthcare (Obamacare for some of you), many companies are scaling back on their health benefits. Apparently there were provisions for some companies that offered too much to be penalized, so the employee contribution had to increase. In many cases, companies are checking the cost of the penalties for not providing versus the cost of providing, and some are electing the penalties.

If they hire you as a contractor through a vendor, then their responsibility for the healthcare goes away. That responsibility is transferred to the vendor.

I think the rash of 1099 offers lately is the result of some of this. On a W2, you are an employee of someone, and by law, they will have to have a healthcare plan in place. So if they get you to work on a 1099, no healthcare plan issues exist.

You have to basically ignore the recruiter side of finding a job. Most are recruiting as a job shop. I have not seen a recruiter that was trying to place me permanently into a company as a regular employee in a very long time. (Half say contract to hire, but that is a teaser.) If you want a permanent direct job, you will have to apply directly to the company. Now when you get calls from recruiters, you will know that XYZ company is in need of someone. Check their careers page on their web site and apply.

The other way is as you mentioned - raise your rate high enough to cover your own coverage. DO NOT underestimate this amount. Many fall into the idea that healthcare is cheap since they only paid $20 a week or such. That was due to the company picking up anywhere from 70 to 90 percent of the premium. In today's economy, you can figure roughly $500 for yourself, another $500 for your spouse, or $1500 to $2000 for a family plan. And as 2014 gets closer, the costs will go up. At $1600 a month (my COBRA premium six years ago), I had $9.23 per hour to pay for insurance. But that is take home pay, not gross. Figure that is close to $13 per hour gross just to cover insurance. Remember that when you get an offer of $25/hour. Half of your check will go to family insurance.

Your premiums naturally vary by location. Three years ago, I was working for a company in California (I wasn't, they were) and the insurance was based on a group plan, small company, with a southern California location. The family plan was going to run $2500 per month for me.

Yes, it is discouraging. But keep the faith. If you contract and pay all those premiums yourself, much of it becomes tax deductions on your next return.

----- Original Message ----- From: "Robert Courtney" <bobsc1 -at- earthlink -dot- net>
To: <TECHWR-L -at- LISTS -dot- TECHWR-L -dot- COM>
Sent: Saturday, March 16, 2013 10:14 PM
Subject: Jobs.... Benefits...

I wanted to put out a question. I am getting job offers from the great head hunters of the world. I keep telling them I am looking for something local. And I sometimes get it.

My real question is that I really am looking for a position with benefits. I need medical and dental. I am not used to contract work. And I am not used to working without having benefits. My last position was with a company that contracted to the company I was working for. And, their benefits were ok. But, since I left them, I am finding that it is difficult to find a position that will give me benefits. Either for a contractor or direct hire. So far, it has only been contract work.

What does one do to find work, contract or perm, that will accommodate benefits? Either I increase my fees to cover the medical/dental or they offer them? I am getting really discouraged in this new business model. I have always been a direct hire and no contract. Now, the new model has me confused and upset.

Thanks for any ideas.


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Jobs.... Benefits...: From: Robert Courtney

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