A community of 30,000 US Transcriptionist serving Medical Transcription Industry

New Health Insurance Reform - SuzyQ

Posted: Mar 30, 2010

With this new healthcare reform, does this mean that outsourcing companies are going to have to provide health insurance to MTs? Even though you may be an independent contractor, you still work for the company. With these oursourcing companies, I sure hope they will be required to offer health insurance, even if they MTs dont or cannot meet the line requirements. This should be a very interesting concept to know about when the healthcare reform is in place! I always thought that to lose your benefits if you don't meet the line count was a crock!! Anyone else have any information on this>?

Employees of other industries lose their benefits - sm

[ In Reply To ..]
if they do not work their required hours over a certain stated period of time, losing benefits because you do not meet requirements of your job is nothing new. As an independent contractor, I do not believe that companies have to offer insurance to MTs. They are not employees. Consider this--if you contract with someone to remodel/add on to your home, are you required to supply health insurance?? I think not.

IC and working for a company - Ex-MT

[ In Reply To ..]
I don't know of any employee who works in any other industry that loses their health benefits or any other benefits for "not meeting the requirements of your job." Receiving benefits in any other industry that I know of is part of the compensation package when you are hired and has absolutely nothing to do with whether or not "you perform the required work." First of all, I don't know of any other industry who actually hires someone who thinks that they are not going to be able to perform the required work -- that looks bad on the person who does the hiring. As far as MTs losing their benefits for not meeting line counts or whatever crazy reason they come up with in order to save a dime is abuse and relatively new within the past several years. I haven't even heard of this practice being done until the last couple of years people actually started talking about it. I mean, can't any MT see that the only reason this practice was implemented was so that companies/ organizations or whatever can try to manipulate the system so as to not pay benefits.

As far as being an IC and working for a company -- not true. If you are an IC you do not work for a company, you work for yourself. And. . . if the IC MT lets the company dictate to them too much that is their own fault.

Seriously, I don't know of any other industry who has employees that "lose their benefits" because they "don't meet the work requirements." That is just a laugh. People are fired for not "meeting the work requirements" they don't lose their benefits as a "punishment" like you punish a kid by taking away their Wii or something. :-)

There's lots of industries that do that. - Seriously.

[ In Reply To ..]
There are a lot of industries that do stuff like that - it's not just the big bad MTSOs that are out to get the little MTs. Go talk to anyone in any paid hourly industry from retail to something like hotels. They have an hourly requirement for people to quality for benefits. If you fall below that requirement, then yes, you can be deemed to be ineligible for benefits. An example is the hotel where I work part time. You have to work 32 hours a week to quality for the benefits they offer the hourly employees. The very crappy benefits. I worked a lot during the months of July and August when we had fired someone, so as of the end of the first quarter of the year I qualified for benefits. I have reduced my hours down to about 28.5 a week, though, so at the end of the quarter ending in June I would no longer be eligible for benefits and they would be cancelled. There's lots of companies that do stuff like that. PLUS, it's just been within the last three to four years that this particular management that owns this hotel even offered benefits to the hourly employees and there are LOTS of hotels that are like that. Pretty much anything in retail is going to be a similar story.

Benefits and work - Ex-MT

[ In Reply To ..]
Well, I think that you are talking about a couple of different work concepts here. Businesses have only given benefits to people who worked a certain number of hours for years . . .i.e., still part of the compensation package when they are hired -- if you are hired full-time (maybe 36 hours or more) then you get benefits, or maybe part-time benefits if you are hired at less than that but still it is part of the hiring compensation package.

The MT industry on the other hand does something completely different. The industry will hire the worker say full-time or part-time or whatever, say that benefits are part of the package and then probably state that "if you make this many lines a week" or whatever you get benefits -- that is not based conditionally on your hiring compensation package; that is based on something completely different. At the onset, some organizations have no intention of having the workload to offer that to workers so that they get benefits or to make it completely impossible by slow-ass networks or whatever because they don't want to pay it in the first place. Since they don't want to pay it in the first place, it would be more honest and ethical to just state that they don't offer benefits. But . . .if they state that they don't offer benefits upfront, many people might try to get a job somewhere else and so that whole thing is a bait-and-switch kind of tactic.

Everywhere I have worked (I have not only worked in MT -- and I have worked for a lot of years at many different places), I was hired with the full knowledge that if I worked full-time as an employee these would be my benefits and if I worked part-time as an employee these would be my benefits. I knew that going in and I would not take a job that did not offer benefits. In addition, when a person is hired as an employee at FT or PT status, that is what they were hired in as and it doesn't change randomly depending on the "weather." The person is still a FT employee -- it is the company's problem if there is not enough work or if something changes that they should have hired a PT worker. In that case, the status of the employee has to be changed down officially and the employee really has to be given I believe a 30-day notice of the change.

Where I work, if we do not meet the required line - SM

[ In Reply To ..]
count through our own fault, then benefits are terminated. If it is because of low/no work, then they are not.

Most require min hours to receive benefits. - sm

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With MT work, you are paid on production so producing X amount of lines is appropriate.

New Health Insurance Inform - SuzyQ

[ In Reply To ..]
Well in my experience, I have to agree that this has happened in the last few years. And I agree these MT companies will find any way not to pay benefits. And I believe that is why most MT companies today only want independent contractors. The MT profession from what I know of and have been in for the past 25 years has taken a turn for the worse, especially with outsourcing companies. They suck the life out of you. If you ever look at the ads, which do offer benefits, what they don't tell you is that if you don't meet your line count, you will lose benefits. They always seem to not to mention that fact in their advertisements!

SuzyQ you are right. I have lost my benefits at Transcend - sm

[ In Reply To ..]
because of inability to make my line count due to lack of work. They're clever that way. Get you to work full time, expect you to adhere to a schedule for full time and only give you part time work.

New rules here. No benefits, no scrounging for work. Thanks Transcend. You have liberated me.

reform - Ima Mt

[ In Reply To ..]
You shared: Even though you may be an independent contractor, you still work for the company.

No, you don't. You work for YOU. The company is your CLIENT. This is a CRITICAL IC point.

COmpanies with less than 50 employees will not be required to provide health insurance.

If you are working as an IC, no one is required to provide you with anything :)

You will be required to buy your own or be fined - LK

[ In Reply To ..]
Ima MT is correct; an IC is not an employee and would not be required to be covered under the company health plan if there was one. Under health reform, the IC or anyone else not covered by a company plan will be required to buy their own coverage and will be fined by the government if they do not do so.

They will have to build a whole lot of new - Packing my bags

[ In Reply To ..]
prisons just for the people, like me, who must chose between eating and health insurance unless they come up with health insurance that is actually affordable to families, like that is going to ever happen.

No need for priston - - LK

[ In Reply To ..]
There's actually no provision for enforcement, so those that want to shoulder their responsibility will comply and those that don't just won't pay. Sounds fair enough, right? The people willing to follow the rules will pay for the ones that don't. There are two things that I don't think are going to pay off at all under the new Obama regime - hard work and personal responsibilty. Time to join the slackers, I guess. That's where all the incentives are.

I am happy that you - Packikng my bags

[ In Reply To ..]
seem in a position to be able to afford the very inflated cost of healthcare. If you wish to call those of us less fortunate "slackers," so be it. I does not change the fact that no matter how deep your head is buried in the sand, the world is still full of people scraping by with much less than you have. Be thankful.

Wasn't implying anything about you at all. - LK

[ In Reply To ..]
That wasn't the point of my post. I'm not in a position to afford health care, either. I'm just very concerned that the plan put into place is such a half thought out mess that was pushed through for political expediency, rather than putting time into it to come up with something that will actually cut health care costs and make it so you and I can afford it. What good is it if you can't afford to buy it anyway? That's all I was saying. I don't think forcing people to buy health insurance is going to solve our problems. This is way too important of a problem to try to solve in such a haphazard, piecemeal way.

I agree wholeheartedly (No message) - Packing my bags

[ In Reply To ..]
xx

I think there should be requirements to get insurance. - sm

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ICs do not get insurance and SHOULD not because they are working for themselves, not as employees.

Yes there should be minimum requirements for an MT to get insurance.

minimum requirements - there should be work

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available during your entire shift too, but there's NOT! How in the world are we supposed to make our line requirement when there is no work? RIDICULOUS!

Minimum requirements if there is no work - Ex-MT

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I personally think that is the ultimate goal of the company. . . really, I do. I think that the company probably offers all of these benefits with the provision of getting a quota. The MT then thinks, okay no problem I can do that just fine. The company knows that the MT can do it, but because they do not want to pay for benefits, the entire thing is orchestrated so that it won't happen AND the MT will be on the system continuously (which is what they want anyway).

Data Conversion Project - john

[ In Reply To ..]
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