Comments on: Assumed Knowledge

By: Bryan

Bryan — Wed, 17 Dec 2008 20:38:39 +0000

In California the first and fifth employees are huge steps. As you say there’s the insurance on the first, but when you hire than fifth employee all of the business regulation drops on your head and the cost of business licenses soar.

The system is rigged against small business.

By: hipparchia

hipparchia — Wed, 17 Dec 2008 07:03:21 +0000

workers comp is [mostly] what killed my thinking of expanding from a sole proprietor way back when. it was going to cost me huge $$$$$ to get the most basic policy, which wasn't even going to cover me, not even if i made myself an employee of my wasn't-meant-to-be company.

By: Bryan

Bryan — Tue, 16 Dec 2008 22:40:59 +0000

Most people don’t know what they pay for, or how things are interrelated. I got a quick lesson moving from Monroe County, New York where, at the time, BC/BS was dirt cheap and almost everyone had it, and all of my other insurance was also cheap, to San Diego. My insurance agent in New York explained it to me, how almost every type of policy he wrote in Rochester was cheaper than other places, because the policies weren’t hit for health care costs.

By: andante

andante — Tue, 16 Dec 2008 20:59:17 +0000

I never thought of that. Thanks for the ammo.

Most folks I try to talk to about single-payer confuse health CARE with health INSURANCE. They assume single-payer will mean government doctors, hospitals, etc.

By: Bryan

Bryan — Sun, 14 Dec 2008 17:49:47 +0000

Workers comp rates can kill a business as they jack up the rates with every claim, and the increase is not noticeably connected to the cost of the claim.

You get banged up all the time in police work, but most injuries were taken care of by the regular health insurance just to avoid having to fill out another piece of paper. The local emergency room was much happier just going with the standard policy, rather than hassling with the workmans comp claim.

By: hipparchia

hipparchia — Sun, 14 Dec 2008 09:35:05 +0000

i won’t name names, but i have worked at more than one place where my employer asked me [or threatened] to lie about what i was doing at the time i got injured so that it wouldn’t be counted as workers comp.