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Transcend benefits for MDI employees - benefits

Posted: Jan 04, 2010

Has anyone from MDI who has applied for benefits know when we will know if we were approved for our benefits, and when our coverage will begin and will get insurance cards?

Has anyone at Transcend who has their benefits had the experience of being turned down and have to wait that 12-month waiting period?

The documents we filled out for benefits were pretty simple. They did not require a lot of personal information.

Anyone's experience with the Transcent benefits would be appreciated. Thanks.

Lost mine pretty quick not being able to make the 900 per pay period! - 4 cents for editing makes it hard.

[ In Reply To ..]
They like to get everything switched over to VR even though VR does not do well, basically does whatever it wants. It takes time to correct and fix the document. Maybe some have better luck than me. When I did have the medical insurance at first the insurance tried not paying, saying I had a lapse in coverage and was putting the 12-month thing on it, but I proved I had insurance with no lapse in between. Now I am on COBRA for as long as I can afford it or until it runs out. Seems like most of what I am making goes for the COBRA, the deductible and copays when needed.

Lapse in coverage means waiting period? - benefits

[ In Reply To ..]
So you are saying that if you have had a lapse in coverage that they will put you on a 12-month waiting period? My family has not had benefits for a few months, so does that mean we have to wait a year until we are covered?

I forget what it was they would not pay initially, but - cw

[ In Reply To ..]
they tried saying they would not cover it because of a lapse in health insurance. I think it might have been for any pre-existing conditions.

Sorry, forgot to add they said it would be for 12 months - if there had been a lapse. nm

[ In Reply To ..]
nm

Benefits - Transcend MT

[ In Reply To ..]
I think the 12 months waiting period only applies to preexisting conditions not coverage in general.

Waiting period for preexisting conditions. They - TranscendMLS

[ In Reply To ..]
will include this with your coverage letter and cards. Depending on your time period with lapse of coverage in the last 12 months, it'll be calculated based on that. It's not a full 12 months in every case. Other than that, I've had no problems with the insurance paying claims.

No, it does not mean that. - see message

[ In Reply To ..]
Here is my understanding:

Whatever amount of time you were without coverage, you will be excluded from coverage for pre-existing conditions any and all of you might have. NOT 12 months.

You will be covered for everything else though, without any waiting period (as you will be paying premiums as of Feb 1, right). The only waiting period is for PRE-EXISTING CONDITIONS. The waiting period is equal to the amount of time you were without coverage, and that waiting period will not exceed 12 months. For example, if you did not have coverage for 2 years, the waiting period to be covered for pre-existing conditions is NOT 2 years - it is 12 months.

I had to have my insurance company send a certificate of coverage. This is how Transcend determines whether you have current coverage, or when your coverage ended, so they know how long your waiting period for pre-existing coverage will be.

Write HR, ask JJ to confirm this, as this is what I was told very clearly.

Thank you so much - Benefits

[ In Reply To ..]
That was the best reply of all, thank you so much. That makes the most sense. It is so good to know that we will at least have some coverage. My husband has a pre-existing condition, hypothyroidism, and that is not difficult to handle out of pocket for a while, i.e. $60 for the doctor visit and $28 for the Synthroid...sure I don't want to pay that, but thankfully it is manageable.

I was just scared that they were not going to cover us at all OR that I would have to pay premiums for 12 months before we had any coverage at all... which seems completely criminal.

Thanks again for letting me know

You're welcome. I too thought I would pay for 12 months and have no coverage! - Glad I asked HR. NO MESSAGE

[ In Reply To ..]
no message.

Losing insurance - Old MTSO

[ In Reply To ..]
This is just unconscionable. I have been on COBRA before and it nearly broke our household budget. I am so sorry this happened to you, and I hope you are able to find a better solution.

I do not understand how this can be - allowed s/m

[ In Reply To ..]
In order to keep insurance, you have to make a certain amount of $$ in a certain number of days, YET they can't provide enough work to do this unless you are available 24/7? There is just too much stress involved in this equation.

I don't understand how this can be either - Nick

[ In Reply To ..]
I would be speaking with a labor lawyer or with the Department of Labor about this. I think they are overstepping their bounds and getting 24/7 coverage by means of the threat of losing insurance. Stand up for your rights!

insurance transcend - brief

[ In Reply To ..]
I worked there briefly and asked every insurance question I could think of because that is why I took the job. They "average" your pay so that your insurance coverage is not based on one or two 2-week periods when work might be slow. If there is a break in insurance due to not being productive enough, there is a waiting period to sign up again, as the other poster stated. I thought it was 3 or 4 months though, but could be mistaken.

I asked my lead if people really make enough from VR (my account was 98% VR) to qualify for benefits and she said absolutely. I didn't stay long enough to find out. Those types of conditions just rub me the wrong way for some reason.

That is why I left as well. - Yep

[ In Reply To ..]
At any other job I've ever worked (aside from MT) as long as you make enough in your paycheck to cover your premium, then you are covered.

I do not think it's legal (or shouldn't be if it is) for them to say you must earn $900 per pay period in order to keep your insurance.

As long as you can cover your insurance deduction, you should be able to keep it.

Yep re: keeping insurance - Nick

[ In Reply To ..]
Well, I am no lawyer, but I think you are right (or should be). I'll betcha that if Transcend did get a few letters from legal counsel from those affected they might mend their ways. I hate to sound cynical, but I could see this coming waaaay down the pike when some of my friends chose to stay on. I say each person has the right to make their own choices, of course, but I am also afraid some people are going to get s$$d.

I agree, check into this. - Employee Rights On-Call, Waiting to Be Engaged

[ In Reply To ..]
Google this information. We are supposed to be paid for anything we do for this job including being on-call, waiting to be engaged, etc. Anyone ready to stand up? Please, inform yourself. I actually finally just googled this today. Eye opening. Empowering but not until a stand is taken.

I believe MQ does this, too... - ?

[ In Reply To ..]
A friend of mine works for the Q, and she also lost her benefits due to lack of production. I never asked her what the waiting period to have them reinstated might be.

I'm just assuming because the Q has gotten away with it for ages and Transcend is a Mini-Q, there's some loophole that allows them legally to cut off insurance benefits as they deem fit.

benefits - curious

[ In Reply To ..]
I have never heard of having to go through the whole pre-existing condition ordeal when signing on through a large company's benefits. Is this something new or particular with Transcend?

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