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About how much does Aflac cost per pay?

Posted By: Thanks! nm on 2007-08-08
In Reply to: All KS MTs are employees, no ICs anymore. I have Aflac and regular insurance. sm - KS Lead


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Unfortunately it is not the AFLAC duck though
Keystrokes has Aflac
and it is a reasonable rate, but they are currently working on getting even better insurance.
Aflac deduction for employee only ?
Do you use the insurance?  How much is the annual deductionable also.  Thanks for your help.
Was it Aflac? We have a conference call
about it 2/29.  You should have received an e-mail about it last week. 
Thanks...we just had AFLAC enrollment too so I'm probably too late. (nm)

Aflac is supplemental only. KS has Unicare for health insurance. They have been sm
working on getting different insurance, but nothing yet. One that they were working with gave a quote that was a lot more than Unicare, so they started looking elsewhere again.
All KS MTs are employees, no ICs anymore. I have Aflac and regular insurance. sm
I chose the $500 deductible for the regular insurance and have Aflac for supplemental accident and disability, which is taken out pre-tax. I had Aflac through the hospital I was at and loved it. I was happy when Keystrokes started with them.
Thanks..I e-mailed the AFLAC guy but haven't heard back yet (sm)
Meanwhile, I'm going to look for other affordable plans too.  My cousin is a dental hygienist and told me about 2 companies to check into..Delta Dental and DenteMax.  She said they had reasonable plans but I haven't checked them out yet. 
After 90 days full time, you are eligible for health insurance, 401k, Aflac, sm
and life insurance. One year for PTO. Direct deposit right away.

I am happy at Keystrokes, and happy with the benefits. The insurance is a little high, but my husband has a union job and it would cost us more to have him carry all of us.

The HappyKeystrokes poster seems to give a lot of misinformation. I have as much work as I can handle, but I do not type 350 lph or whatever amount she/he claims. I average 200 lph, up a little some days, down a little other days, but that depends on the doctors dictating, my motivation for the day, etc. Spring is the worst as I have hayfever and headphones bother my ears right now.

My check is right, is on time and is direct deposited. My taxes withheld are correct and SS has been paid (unlike somewhere else I worked that messed up my SS and did take out for state taxes). My lead is supportive and I think the company cares about their employees. I am happy with Keystrokes and cringe when I see posts like Happy Keystroker writes, which make us all look like Stepford Wives. This is a job, just with a company that I like working for.

I wanted to paint a more realistic picture.
No cost here either
For medical and dental it is around $85 biweekly.  SGS is also the only company I know of that allows contractors to have medical and dental, around $110 biweekly, as long as you meet 9600 lines minimum biweekly, which is pretty low these days.
how much did YOU cost THEM?
If the FOB belongs to the hospital, why in this world would you not want to do the right thing and send it back even if it means going out of your way (although it is crystal clear here that this would be against your nature) to do right by the hospital?

I could never, ever do something that could cause an MTSO to lose a client and if you chose to follow the road you are on that is what could happen. It doesn't belong to you. It has security codes on it. The hospital is upset. The MTSO is upset. You are upset. Crimy!! God save the MT profession from crabby, nothing-better-to-do-with-their time old timers like you!!!!!!

Do you think that you are so special that you were the only one who lost money on trying to get you started up? People in the hospital were helping. People at the MTSO were helping. You were sitting around waiting, not helping and you continue not to help.

Send it back all ready and be done with it!!!!!!
Doesn't cost the MT anything, though from my
experience you can do as good, if not better on your own.   They actually contacted me (probably from my resume posted on a couple of job boards) and I tried them thinking that maybe they had companies that didn't advertise and that probably paid well considering they were using a third party company to hire/screen, but the company they referred me to was one that frequently advertises here and the pay was average. 
IMO, the COST of being a CMT (attending sm
seminars, etc., to get the required credits) was very high and far outweighed any extra pay offered, to say nothing of the time spent on it. I find that just being a really good MT will get the same pay rate. When I was a CMT, I was living and breathing MT. All vacation time and Saturday mornings were spent getting credits. The rest of the time I was working. I have a life now.
How about the phone cost? I went
to their website, and it says that some accounts have a 1-800 # and others are long distance but that they reimburse what they consider a fair amount or something along that order.  Does anyone know how that works?  Otherwise, they sound really good!!!  If anyone has any info regarding the phone stuff, I'd love to know!!!  Thanks.
Nonmember cost is $275. nm
Insurance cost
It all depends on where you live. I am in Florida and pay $450 per month for myself and 2 kids. It is different for other states.
Doesn't it cost...
an individual out-of-pocket to get a background check? I mean, if one is looking for a job, chances are he/she is broke and does not have the money to pay for such paperwork, not to mention the fact of how much it costs in gas to run all over the place.

The reason I know this is because my son just got a job at a local restaurant as a chef. In South Carolina some jobs require a background check, but the potential employee has to pay for this as well as run all over creation requesting records from the Highway Department as well as City and County law enforcement offices. It's time consuming and costly.

I wouldn't mind the background check if it came out of the potential employer's pocket (which they can write off anyway) and if they did all the leg work. I wonder if this sort of thing can be done online?
Cost of Insurance @ KS
Can you tell me how long it takes to be covered under their insurance plan and how much it is for individual coverage? I had read earlier it was very expensive but they were working on it.
I agree. It should not cost you to

Maybe, just maybe, since working remotely, you may need to purchase a stamp.  Now employee is different than IC, I think too.  An IC can write off that expense of a fax machine whereas an employee cannot.  So, we need to differentiate.  I don't feel the OP is complaining.  I think she has a point.  These companies assume because we are remote that we have all of the modalities that they have being a national or large MTSO.  

It doesn't cost anything so I would try.
All they can do is turn you down, but then again they might hire you. 
If you are IC and pay for your insurance, that cost
They use them to reduce the cost of
transcription, not just third shift work, and not just when they need help. We can have no work and you can be sure they are still sending the easy jobs to the low life trash from India just so they can make more money for the big wigs at the company. Face it, Transcend does not care a hoot about you. They can mouth the words we care, but it is just like any other politician. You are a fool if you fall for the lies.
VR is not cost effective for MTs
I agreed to a certain amount for standard transcription and a certain amount for editing. You need twice the amount of minutes for editing to make what you need but the minutes aren't there. In any event, it is not worth it. I say look for another MT job that doesn't use VR or find another profession.
Ultra low cost
This is disgusting, but unfortunately there will be someone who will apply. This is why we're working for peatnuts.
You either need a job to fit your cost of living or a cost of living to fit your job. sm
While I agree that you cannot live in California on $35,000 a year, no one is forcing you to live in California. Suze Orman says either find a way to lower your expenses or find a way to earn more money. It's common sense :)

There was a post a few weeks ago about not everyone being cut out to be an MT. I agree.

The original poster needs to stop whining and either get a job that pays more or get a new career. She can make $15,000 on minimum wage at a mall or Walmart.

BTW, it was insulting of her to say that MOST woman don't need to work. How dare she? In this day and age, most adults need to work. This is not 1958, this is 2008. I am not a bra burner, but my husband and I both make similar money, clean the house, cook, raise our 3 children. I am just lucky to have a job where I can work from home. I hated commuting anywhere, hate traffic, no patience.

But that doesn't mean that I work less. I treat my job like a job. I work in my home office but I work all day. I do not do laundry, chat with friends, cook. I go to work each day by getting ready as if I were leaving for an office, pour my coffee, make sure I have everything I need and start. I take bathroom breaks and a lunch break and take the full hour that I would somewhere else. I work 8 full hours as I do not include my lunch hour, so my day is 8 to 5. When I am done for the day, I turn everything off, leave the room and close the door, as if I were in an outside office.

My husband has a salary of $71,000 and I make near the same as him each year. I do not work overtime except very rarely, an occasional Saturday here and there, just like if I were on salary in another profession.

I am not perfect, but I love my job and do it well. I also know that MT'ing is not for everyone, although it seems as if a lot of MT's who are not very good at their jobs have a sense of entitlement.
Insurance cost
Geesh.... I thought mine was high. Are you paying for family coverage or just you and spouse? And if you don'the mind my asking who you work for. You may replay by my email if you'd rather do that. I appreciate your reply. I will definitely not be looking into Acusis or All Type! Webmedx is a good company other than I thought their insurance was awful high. Up until last summer we had insurance through my husband's company, which was very reasonable as it was a large company, but they went out of business so he is now without a job and it's up to me to carry the coverage.
To offset the cost of
providing your own insurance, paying the extra half of the Social Security, having no sick days or PTO, etc., you have to make I believe at least a couple of cents more per line. If you could find a 'true' IC position that let you set your own schedule & paid enough extra per line, it might be worth it. Otherwise, I'd really recommend going with employee status...
cost comparisons - IC vs SE

There's no actual formula you can follow, because there are too many variables. How much do you withhold for taxes? (i.e. TN doesn't have a state income tax). Do you need to pay for health insurance, and how much? Do you need a phone line with/without unlimited long distance? Do you have minimal office costs (just a headset for voice files or would you need to buy another C-phone if the one you had died)? Do you want perks (i.e. paid sick time)? And so forth.

In a nutshell, you don't want your net pay to be different either way. In other words, if you net pay as an employee/statutory employee is $20,000 for a 40-hour week, make certain that after all of your deductions you are not making less.

P.S. ShortCuts is provided at no cost ...sm
to Transcend employees and is provided prior to their account moving over to editing. 
Variables in cost of living
Some states sound good, but then check out the taxes - real estate tax, personal property tax, sales tax, cost of heating/cooling, transportation, license plates, insurance, etc. A lot of it balances out in the end. Some states have outrageous license plate fees, (I paid over $600 for my car last year). I also get a personal property tax bill each year for everything including my dishes and silverware. State income tax is out of sight. Cost of heating in winter is unbelievable. I have to have 2 sets of tires for the car, 1 for winter, 1 for summer. I have to have 3 complete wardrobes for the weather changes.
It's the cost of doing business in any industry. They know this, or should. nm
Cost for Transolution's insurance sm
Can you tell me how much it costs the employee for Transolution's health insurance for employee and spouse? What insurance company do they use? Also, is it more if you just work the 32 hours? Thanks
does anyone know the cost of living in Bangalore? I need a job... lol nm
Why would it cost to make a complaint? -sm
If they start charging, no one will ever make any complaints.
Cost of Living Increases

I work for a large MTSO and after four years have not received a cost of living increase. Is this standard operating procedure? Things cost more than they did four years ago. Do you think CEO is getting the same pay as four years ago? Any thoughts?

Insurance is no cost at all to my husband
and me thru teamsters, $20.00 copay when going to the doctor, PTO. That is the good part- now the bad- if he should die before me, no insurance for me. Well, since I am 10 years older, will possibly have Medicare before him, who knows??
Does anyone know cost of Axolotl's insurance?
Can anyone share what the cost of DeVenture is?
When I applied a year or two ago, it was really expensive for families. I think like $1000 a month or something outrageous. I'm just wondering if they have gotten anything better.
Me, too. I figured it cost me about $1k a year to keep sm
it up. I had CE's out the yingyang. I miss going to the physician's lectures, but that's about all. It was a good run for a while.
How it is cost effective -- see inside
Why would any company care how long it takes for an MT to complete their work if they are paying by the line typed? I just posted that I would try and find the Advance article, but I believe it said that offshore MTs are only 25% productive as US based transcriptionists. I doubt that Transcend would risk lying on their SEC documents. There are many companies out there that send much more to India.

Bottom line, I am not sure why all of this is being brought up now and by people who state they do not even work at Transcend. I have a close knit team and we are all happy at Transcend. I never said they were perfect, and I am sure there are companies out there that compare, but it's a great fit for me.
Can you share what is the cost of WMX's insurance .... SM
especially health insurance. I need employee/spouse coverage and I know family is always somewhat higher. You may email me, if you want. Thanks very much!
Cost of living is higher
In eastern bloc and Ireland and India. They're gonna want as much as we make. And if not now, then soon once they seal the deal. Plus our HIPAA laws still don't apply anywhere but here. There is still that.
It also depends on your cost of living.
I live on the California coast, which basically means I can't make a living at the national going rate. Fortunately, I also have one small local account that pays at a rate commensurate with the local cost of living, and because I have this, I can survive. Not sure I'd call it a good living, but I can get by.
These companies cost US all the time, right?

Transcend insurance cost ?

Can anyone working for Transcend tell me the employee's cost for insurance?  For example, how much per paycheck is taken out if you want to cover just yourself (no husband or dependents) for medical, dental and,vision (I have been told they offer all 3).  Thanks for your answers.


Oh Poor MTSO - must cost them
Excuse me if I have no sympathy...
Whichever you prefer. You can use yours or they will provide you with one at no cost.
Is there a large cost associated with the Sten-Tel system? Thanks. nm
Doesn't cost anything to report 'em to
I disagree. Unionization will fail and cost
We have no leverage with the offshoring and speech recognition here.

Companies would rather fire us and struggle and turn 100% to those options rather than to let a union come in and have any mediation whatsoever for employees.

I come from a union family, family members being rather high up in 2 separate unions and I have had many discussions with everyone on this issue and this industry. We will lose everything.

I know I would be the first one to bring legal action against any group of MTs who threated the safety of my job.