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Old 10-05-2012, 08:23 AM   #31
Callie
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Its a new state law.
And yes we have been spoiled, but it still doesn't make it any easier. Thankfully my mom is about to retire.
Its a harder blow for her considering shes basically been a single mom our entire lives with not a single amount of support. She's amazing. But this newest change has her stressed to the max.
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Old 10-05-2012, 08:27 AM   #32
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So the Canadians I bump into at the doctor's office on a routine basis are mythological? I had no idea.
Oh jeez, please don't get it going...
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Old 10-05-2012, 08:32 AM   #33
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Oh jeez, please don't get it going...
Isn't this a discussion board? Am I missing something?
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Old 10-05-2012, 08:34 AM   #34
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Originally Posted by cabanafrau View Post
Isn't this a discussion board? Am I missing something?
It seems that every 3-4 days, we get a thread that starts out harmless enough, but ends up into a Canadian healthcare vs. American healthcare debate. I think most people are just asking that this not be one of those threads.
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Old 10-05-2012, 08:40 AM   #35
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I haven't seen any of this discussion here. Maybe we need a sticky explaining some of these more obscure rules.
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Old 10-05-2012, 08:44 AM   #36
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No, it is possible due to new laws - if OP lives in a state where laws were changed regarding collective bargaining of public sector workers, then yeah, new laws would have meant changes to the health insurance.
And even if she doesn't, state budgets are driving a lot of these cuts. A lot of districts are looking to previously generous benefits (given originally to make up for the lousy pay, but that seems to have been forgotten these days...) as a place to cut as their funding declines.

We've been dealing with much worse in regard to our own insurance plan, but I still have a lot of sympathy for what teachers are dealing with. It is hard enough getting a very expensive education to make peanuts, now they're finding that the two "sure thing" upsides of the job (health insurance and retirement) are getting pulled out from under them as well. I know quite a few teachers who are wishing right about now that they'd gone into just about any other line of work. Low pay was fine when it was in line with low contributions to health insurance and retirement, but not so much now that the trend is towards comparable-to-private costs for benefits.
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Old 10-05-2012, 08:47 AM   #37
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A visit to a urgent care clinic is now $40, when it was free after the deductibles.
Regular doctor is $20 co-pay. Same as above, free after deductible.
This is awesome! Your mom is so lucky

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Our deductible also got MASSIVE!
Not to mention this new plan costs about 21% more than the old one.
What do you consider massive? And, I know that my sister (also a teacher) pays very little for her healthcare plan. If it went up 21%, she would still be paying less than most Americans.

So, tell your mom she is a Lucky Duck
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Old 10-05-2012, 08:50 AM   #38
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Originally Posted by Colleen27 View Post
And even if she doesn't, state budgets are driving a lot of these cuts. A lot of districts are looking to previously generous benefits (given originally to make up for the lousy pay, but that seems to have been forgotten these days...) as a place to cut as their funding declines.

We've been dealing with much worse in regard to our own insurance plan, but I still have a lot of sympathy for what teachers are dealing with. It is hard enough getting a very expensive education to make peanuts, now they're finding that the two "sure thing" upsides of the job (health insurance and retirement) are getting pulled out from under them as well. I know quite a few teachers who are wishing right about now that they'd gone into just about any other line of work. Low pay was fine when it was in line with low contributions to health insurance and retirement, but not so much now that the trend is towards comparable-to-private costs for benefits.
I so agree with the bolded. And it's not just teachers, it's all public sector workers including fire, police, etc.

Also, when you are living on a certain budget and then your coverage changes and you have to change your budget with no raise in many years (and less pay to begin with), it can be a struggle. I hate the well I have it so much worse than you posts. How do you really know?
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Old 10-05-2012, 08:52 AM   #39
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I haven't seen any of this discussion here. Maybe we need a sticky explaining some of these more obscure rules.
LOL. Not a bad idea. Actually, those discussions get quite heated.
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Old 10-05-2012, 08:54 AM   #40
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Originally Posted by Colleen27 View Post
And even if she doesn't, state budgets are driving a lot of these cuts. A lot of districts are looking to previously generous benefits (given originally to make up for the lousy pay, but that seems to have been forgotten these days...) as a place to cut as their funding declines.

We've been dealing with much worse in regard to our own insurance plan, but I still have a lot of sympathy for what teachers are dealing with. It is hard enough getting a very expensive education to make peanuts, now they're finding that the two "sure thing" upsides of the job (health insurance and retirement) are getting pulled out from under them as well. I know quite a few teachers who are wishing right about now that they'd gone into just about any other line of work. Low pay was fine when it was in line with low contributions to health insurance and retirement, but not so much now that the trend is towards comparable-to-private costs for benefits.
Yup, that's what a lot of people seem to be ignoring. Public sector jobs have generally been lower paid than in the private sector. It was the benefits that made these jobs attractive. As benefits are being erroded they are becoming more in line with the private sector but not the salaries are still lower.

Generally speaking of course.
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Old 10-05-2012, 08:55 AM   #41
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Originally Posted by Princess Dolly View Post
.
Also, when you are living on a certain budget and then your coverage changes and you have to change your budget with no raise in many years (and less pay to begin with), it can be a struggle. I hate the well I have it so much worse than you posts. How do you really know?


Because this is the same thing we have all been dealing with, only it started years ago for us.
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Old 10-05-2012, 08:56 AM   #42
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I so agree with the bolded. And it's not just teachers, it's all public sector workers including fire, police, etc.

Also, when you are living on a certain budget and then your coverage changes and you have to change your budget with no raise in many years (and less pay to begin with), it can be a struggle. I hate the well I have it so much worse than you posts. How do you really know?
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Old 10-05-2012, 08:57 AM   #43
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Yup, that's what a lot of people seem to be ignoring. Public sector jobs have generally been lower paid than in the private sector. It was the benefits that made these jobs attractive. As benefits are being erroded they are becoming more in line with the private sector but not the salaries are still lower.

Generally speaking of course.



But not true in very many areas of this country! It has been years and years since the public sector salaries have been lower in the area I live now or where I grew up or lived after college. It just isn't true in vast areas of this country.
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Old 10-05-2012, 08:59 AM   #44
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Because this is the same thing we have all been dealing with, only it started years ago for us.
No, your pay/salary was probably higher to begin with.
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Old 10-05-2012, 09:01 AM   #45
jrmasm
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But not true in very many areas of this country! It has been years and years since the public sector salaries have been lower in the area I live now or where I grew up or lived after college. It just isn't true in vast areas of this country.

Really? I'd love to see numbers showing that in most area of the country public and private sector pay is equal.
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