okay i work for a temporary service and so our benefits are a lot more limited than what you would have if you worked a regular full time job
um-hum
um-hum um-hum
we have to work a certain number of hours and then we get holiday pay and vacation pay and they if you
so do you you say you work for a temporary but do you work full time hours doing that
um i could if i wanted to i'd i'm not right now
um-hum they
but do they uh determine your benefits on whether or not you do work those hours or
um i have been
yeah you like you have to work twelve hundred hours um within a year to get holiday pay and fifteen hundred hours within a year to get vacation pay so if you're not working enough hours to get that much time in in a year
then you don't get the benefit
then they uh adjust it accordingly
yeah yeah you don't get anything at all
my uh husband works for a a large oil company and
they uh and in the past has worked for a computer company and a bank so we've always uh
uh-huh
always had access to to good
benefits as far as insurance and and usually some dental and
life insurance and that kind of thing you know and
right yeah my husband has good benefits too or i probably wouldn't be able to do the temporary work
yeah exactly
i think medical is probably one of the most important things
i know uh here sometime back you know they had had had given him a printout you know of uh
to have
money that the company had paid into stock in his name and how much he'd paid and
um the medical benefits and whatnot that uh he was entitled to and they estimated those benefits at about forty percent of his salary
wow
even including vacation like you said and paid holidays and
um-hum
and uh all of those things now some of those you look at and you say well i'm not going to need that or use that benefit but i guess it's there knowing that it could be used if you
yeah those must be pretty good benefits i've heard that usually they average about thirty percent of your salary so it sounds like maybe his company's a little bit better
so chose
yeah
yeah i uh we've always been dealt fairly with that way
and i would certainly you know
caution any young person going into you know looking at jobs to make sure that they truly know what those benefits are and
how they're going to match up and it might be wise to take a lower salary or hourly wage
if you knew that uh long term the
you were going to get more of a profit sharing or you know or just you know
right yeah
whatever you know the differences in the
you know in the benefits we belong to an HMO through my husband's work is do you is that the kind of medical
you have
uh no fortunately we still have the it's just regular traveler's insurance that my husband has so we can go anywhere
um-hum
i guess that's good i don't know uh i can't decide
well we uh
we have five children so it's been good for us to uh to have the HMO for the most part
oh yeah
we're in a different one now than we used to be and it's required some adjustment but i think it in the end it will all come out in the wash their uh mental health benefits are very very low
and anything that is elective of in any way could possibly be conceived as elective is you know not covered so
uh-huh
if you have those kinds of services that while the general public may see them as elective you don't see them as elective
really
then uh
you know
uh you know you may not get the coverage that's you might have
yeah my husband works for a psych hospital and i know that they sometimes have to discharge people before they're really ready because their insurance
won't let them stay any longer it frustrates him because they'll just be getting somebody to the point where they can really make some progress and then they're gone
uh-huh
that's right that's right
and i know that that is a is a concern and if those people aren't willing to
go to outpatient you know therapy or something then that benefit is
what what was paid is almost wasted
yeah really
and uh well i mean i guess you can't ever totally say that but
you know the best good was not gleaned from the money spent where as maybe even two weeks longer would have made a difference there should be some provision for appeal or something i guess
right yeah
yeah do you uh
need
does your husband's company have any of the new like a cafeteria plan where he gets to pick and chose any of his benefits
well yes i guess so you know uh
but not uh not really
you know there're there are some options in in every area whether it's medical or uh you know insurance or you know as a stock you know savings
kind of plan that's subsidized by the company and that kind of thing so
right
yeah that's one thing i wish that we had was like a 401K plan or one of those things were they matched what you could save those are really good deals
um-hum yeah yeah
yeah we have been so grateful for that over the years because we uh
uh that that's what our kids are going to go to college on i guess so
yeah
you know it's good that
that or retire i don't think we can plan on social security taking care of us so
no i don't think so i think there're going to be too many of us our age for any way that that system can possibly
even barely lessen the load we just better be those of us who can try to do something anything to put away for
hopefully we won't have such a attitude
in our country about elderly people not being able to work and not being smart enough to
lend a hand by the time we get there too
yeah with what they say about how the population's changing i think attitudes'll have to change to go along with that
yeah
exactly so it's going to we're going to see a lot of changes in the next while
and that'll probably change the insurance benefits too as people get older and still work and
i would think so don't you think yeah
they'll need more health care
i know uh my mother-in-law has had to get individual insurance the last couple of years and she's seventy two
so
and uh it's just been so difficult to get uh you know to get anything
yeah
but uh
does that just supplement like Medicare Medicare or
yeah yeah uh-huh uh-huh
yeah
like that so
but
you know i would say that overall we've been very luck and are very happy you know if if i had to
yeah that's good see i my husband been self-employed and he's worked for uh like a small companies and now he's in a little bit bigger company so we've seen a little bit of every kind of benefit you can have
you kno w
um-hum
yeah yeah i i work for part-time for a man who's self-employed
and gosh you know he and his family he doesn't do anything for me you know because i have what i need through my husband but uh it sure is rough for him it's providing for his family
right
yeah when we when he was self self-employed and we had to get our own insurance
to get maternity benefits was just ridiculous i mean you could you might as well have saved the money you paid every month and paid your own hospital bill at the end of the year or something
oh i know it
yeah
but you never know if you could have had that catastrophic thing happen to you know you or your baby where you'd need
right
need somebody to jump in and take over those payments
yeah yeah it's scary
yeah it sure is well i appreciate getting to visit with you
well it was good talking to you
take care bye now
you too bye
