PS teachers and health benefits - Mothering Forums

Forum Jump: 
 
Thread Tools
#1 of 21 Old 12-29-2004, 04:46 PM - Thread Starter
 
Greaseball's Avatar
 
Join Date: Feb 2002
Location: Eugene, OR
Posts: 8,570
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 2 Post(s)
I've been hearing a lot more about how the benefit packages offered to ps teachers are not what they used to be. Some teachers say they have to pay a few hundred a month out of their checks for their health coverage, even people without families. I suppose this depends on the district.

What's the situation in your district?
Greaseball is offline  
Sponsored Links
Advertisement
 
#2 of 21 Old 12-29-2004, 09:02 PM
 
LiamnEmma's Avatar
 
Join Date: Nov 2001
Posts: 2,103
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
My district puts in about $541 monthly toward benefits...but I'm 80%, so I get...80% of that (sorry, didn't feel like calculating it). For our family of four needing major medical, dental (yup, we really do--I know I've sent our dentist on many vacations with my mouth) and vision insurance (yup, we really do, two in glasses with hx of eye surgeries already), I pay about $500 out of pocket each month. However, dh is able to waive most of his insurance (also a district employee--but different district), and they pay him the cash back, so ultimately we pay about $10 monthly when you use that differential. Not bad. And we're able to have my portion taken out pre-taxes, which lowers our gross/taxable income substantially, a definite bonux at tax time! But I do agree that benefit packages are not what they once were...but then, I think in most fields they are probably no longer what they once were, you know?
LiamnEmma is offline  
#3 of 21 Old 12-29-2004, 11:20 PM
 
EFmom's Avatar
 
Join Date: Mar 2002
Posts: 7,802
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
It is true that the benefits aren't what they once were. In our state, employees enter at a different "tier" in the retirement system depending on when they were hired. The old timers (earlier tiers) have much better retirement benefits than newer hires.

As for medical and dental, it depends on the district, the strength of the union and the contracts, which are renegiotiated every few years. Dh pays several hundred dollars a month for Blue Cross/Blue Shield for the family. His dental is pretty good--better than mine, but still there is a lot out of pocket if you need work done.
EFmom is offline  
#4 of 21 Old 12-30-2004, 11:14 AM
 
jannan's Avatar
 
Join Date: Oct 2002
Location: san francisco
Posts: 2,285
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
i teach in a state funded after-school program but if i went to teach pre-k for the same program i would pay the same what i pay now and that is for dd and i. i pay 120.00 a month for total coverage, not including glasses or contacts
jannan is offline  
#5 of 21 Old 01-03-2005, 03:03 AM
 
joycenjackiesmom's Avatar
 
Join Date: Sep 2004
Location: Colorado
Posts: 192
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
We pay approximately 360.00 per month for family medical and dental and vision for dh and I. The district pays 515.00 per month. We have three insurance plans to choose from, these costs are in the middle--I believe the allocation covers or just about covers the costs for single insurance coverage combining the lowest cost plans. I don't have the information in front of me at this time so I can't say for sure. This plan has $20 copays for regular dr visits and $25/$35 prescriptions. The dental covers half of most precedures. Better than some I had in the past not as good as others.
joycenjackiesmom is offline  
#6 of 21 Old 01-03-2005, 12:51 PM
 
Dragonfly's Avatar
 
Join Date: Nov 2001
Location: On the Brink
Posts: 6,550
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by joycenjackiesmom
We pay approximately 360.00 per month for family medical and dental and vision for dh and I. The district pays 515.00 per month. We have three insurance plans to choose from, these costs are in the middle--I believe the allocation covers or just about covers the costs for single insurance coverage combining the lowest cost plans. I don't have the information in front of me at this time so I can't say for sure. This plan has $20 copays for regular dr visits and $25/$35 prescriptions. The dental covers half of most precedures. Better than some I had in the past not as good as others.
Pretty much the same with ours. I imagine it will go down slightly when we officially divorce and ds' dad is paying only for himself and ds. The thing is that it's getting worse with each consecutive year. The monthly payment goes up and, at the same time, the co-pay goes up (went fron 0 to 10 then 10 to 20) as does the payment for prescriptions (went from 15 to 25 this past year).

It's a 3-tier plan and those fees are for the HMO portion. If we choose PPO, we have a $150/per person deductible each year and then 80-85% of the allowable charge is covered.
Dragonfly is offline  
#7 of 21 Old 01-03-2005, 11:13 PM
 
applejuice's Avatar
 
Join Date: Oct 2002
Location: hunting the wild aebelskiever
Posts: 18,369
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 9 Post(s)
LAUSD has free medical, life, dental, and eye insurance for all teachers thanks to UTLA; after twenty years, a teacher can retire with full benefits for her/himself and her spouse.

Of course, I work in a private school in which I pay fully if I want Kaisar.

"The great enemy of the truth is very often not the lie, deliberate, contrived and dishonest, but the myth, persistent, persuasive and unrealistic."
applejuice is offline  
#8 of 21 Old 01-04-2005, 12:37 AM
Banned
 
kathipaul's Avatar
 
Join Date: Sep 2004
Posts: 582
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Washington State puts about $500 towards healthcare for each and every school teacher who works full time. That is supposed to cover medical, dental, vision, etc. If you work less than full time, you get that percentage benefits. If you want to cover your family and that amount does not pay for full coverage, you pay the difference out of pocket. You can choose from several health plans.
kathipaul is offline  
#9 of 21 Old 01-15-2005, 03:31 AM
 
lorijds's Avatar
 
Join Date: Jun 2002
Posts: 2,845
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
My dh's insurance (complete with optic and dental) is free for him. Unfortunately, it is $580 to add a family, so the kids and I just have catastrophic.
lorijds is offline  
#10 of 21 Old 01-15-2005, 05:43 AM
 
grisandole's Avatar
 
Join Date: Jan 2002
Location: Southern California
Posts: 5,060
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 2 Post(s)
Ah, my favorite topic; ranting about crappy teacher benefits. It does vary greatly depending on the district.....overall, I think CA has the best health benefits for teachers and their families, many districts cover the family entirely at no out-of-pocket charge (of course, that might be an hmo as opposed to a ppo, but at least they offer it, yk?). When dh was working at a district in Northern Ca, it would've been 180.00/month to add me and ds1 to a good PPO plan. We could've been on Kaiser for cheaper. When we moved to IL, it would cost 500/month to add us (doesn't matter if you have one child or 10, the cost is the same). We couldn't afford it so got private crappy ins. for me and the ds's for 180/month. However, there were other districts in IL that did have better benefits......

Now we're in AZ, and dh has worked for two districts. For each, it would cost a whopping 800.00/month to add us. Needless to say, we aren't on his ins. We pay out of pocket for a so-so plan. I will say that dh has been covered for free at all his teaching jobs, and the insurance is excellent. Just wish they'd provide it at a reasonable cost for us. Starting pay for teachers in AZ is about 26K. Not the type of salary where one can afford 800/month in insurance. Oh, this is also a right-to-work state where unions are extremely weak; I'm not sure why they even bother to be honest (I am a union supporter, and dh joined the weak union). I think there are only a few districts in the entire STATE that have reasonable health insurance rates (and I consider 300 or less reasonable for the salary here).

Kristi

The lack of good health benefits really upsets me. We've seriously considered moving back to CA to get good healt benefits.....but, then we can't afford a house, lol.

"Have faith in yourself and in the direction you have chosen." Ralph Marston

grisandole is offline  
#11 of 21 Old 01-16-2005, 08:26 PM
 
sunnmama's Avatar
 
Join Date: Jul 2003
Location: surrounded by love
Posts: 6,123
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Here in FL, dh's med ins is covered (he is the teacher). Dd and I are not, and it would be $700+ monthly for us to be on his. So we are not. Dd is on his (about $150 monthly), and I have crappy self pay

We also self pay dental for us all, and it is crappy
sunnmama is offline  
#12 of 21 Old 01-19-2005, 02:52 PM
 
maatmama's Avatar
 
Join Date: Feb 2002
Location: Central New Jersey
Posts: 202
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
I teach in NJ and I pay about 50$ a month for me and ds. It is an eye opener seeing the comparisons across the country. In this district the teachers went on strike (and put in jail<yes real county jail>) because of benefits (one of the major points)
maatmama is offline  
#13 of 21 Old 01-22-2005, 09:53 PM
 
applejuice's Avatar
 
Join Date: Oct 2002
Location: hunting the wild aebelskiever
Posts: 18,369
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 9 Post(s)
To add to my above post, LAUSD also will hire a newly credentialed first year teacher, bilingual, year round, working in the off-time as a substitute for $51,000.00 the very first year.

Full medical/dental/optical benefits for the teacher and his/her family also.

Not bad work if you can get it.

"The great enemy of the truth is very often not the lie, deliberate, contrived and dishonest, but the myth, persistent, persuasive and unrealistic."
applejuice is offline  
#14 of 21 Old 01-23-2005, 02:09 AM
 
grisandole's Avatar
 
Join Date: Jan 2002
Location: Southern California
Posts: 5,060
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 2 Post(s)
Quote:
Originally Posted by applejuice
To add to my above post, LAUSD also will hire a newly credentialed first year teacher, bilingual, year round, working in the off-time as a substitute for $51,000.00 the very first year.

Full medical/dental/optical benefits for the teacher and his/her family also.

Not bad work if you can get it.
Yep, LAUSD has good pay/benefits. Of course, finding an affordable house anywhere in Los Angeles is a joke

Most of the districts we looked into in CA had great benefits and decent to great pay. Is it the unions, or supply and demand, or a combination of factors?

Kristi

"Have faith in yourself and in the direction you have chosen." Ralph Marston

grisandole is offline  
#15 of 21 Old 01-26-2005, 12:34 AM
 
applejuice's Avatar
 
Join Date: Oct 2002
Location: hunting the wild aebelskiever
Posts: 18,369
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 9 Post(s)
Quote:
Originally Posted by grisandole
Yep, LAUSD has good pay/benefits. Of course, finding an affordable house anywhere in Los Angeles is a joke

Most of the districts we looked into in CA had great benefits and decent to great pay. Is it the unions, or supply and demand, or a combination of factors?

Kristi

LAUSD also will help finanace a mortgage for a home near your school of employment.

Pretty nice.

I still could not stand to work in that environment.

"The great enemy of the truth is very often not the lie, deliberate, contrived and dishonest, but the myth, persistent, persuasive and unrealistic."
applejuice is offline  
#16 of 21 Old 02-21-2005, 11:29 PM
 
Flor's Avatar
 
Join Date: Nov 2003
Location: California
Posts: 5,119
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
As I suspected, my California school district is worse than others.

I pay about 100 a month just for me, they cover the rest. Last year I had my family on (HMO/Healthnet) for $980 dollars a month! Do I win the worst benefits prize? That didn't include dental which was another $120 a month. When I turned down the dental, I had to sign something saying I wouldn't apply for it again for 5 years, but that is over 1200 dollars a year and it didn't really cover much anyway. I called up BlueCross and got insurence for my family (dh and 2 kids for about 275 a month) since my rates were going to go up to over a thousand dollars a month -- plus I get money taken out each month to cover summer months and these rates don't even include that!
Flor is offline  
#17 of 21 Old 02-27-2005, 06:50 AM
 
applejuice's Avatar
 
Join Date: Oct 2002
Location: hunting the wild aebelskiever
Posts: 18,369
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 9 Post(s)
I just heard on the news that LAUSD may soon be paying out $71,000,000.00 to its retirees; a finacial advisor said that he has been warning the district of this eventuality for years only to be continually ignored. A financial crisis is about to be seen, so perhaps a raise in taxes is about to be seen or a cut in the present workers' benefits??

...or another strike?

"The great enemy of the truth is very often not the lie, deliberate, contrived and dishonest, but the myth, persistent, persuasive and unrealistic."
applejuice is offline  
#18 of 21 Old 03-01-2005, 04:25 PM
 
BathrobeGoddess's Avatar
 
Join Date: Nov 2001
Location: The rural foothills of N Colorado
Posts: 5,524
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Here teachers who are full days get their medical and dental paid but to add a spouse is $390 per month and to add children another $190...

Part-time gets nothing...sorry preschool and Kinder teachers (that is my endorsement area (birth-age 8)) so I am very sore about it!

Eden yikes.gif, working on a PhD in Education mama to Laurelleshamrocksmile.gif (16), Orijoy.gif (6), Yarrowfaint.gif (4) and Linusfly-by-nursing1.gif (1) partner to Brice. 
BathrobeGoddess is offline  
#19 of 21 Old 03-01-2005, 09:04 PM
 
kokotg's Avatar
 
Join Date: Jan 2003
Posts: 393
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
this is one rare case where we seem to be lucky to be in georgia....dh is a teacher, and we pay somewhere a bit under $150/mo for blue cross/blue shield for our family of 4.
kokotg is offline  
#20 of 21 Old 03-14-2005, 09:50 PM
 
Momtwice's Avatar
 
Join Date: Nov 2001
Posts: 10,142
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
This is a problem in every career field, not just education.

Soaring health care costs in the USA hurt many people.

For instance I know a business owner who had a choice; she could stop paying for such good medical insurance, or she could lay people off. She chose the latter and is left with employees who are resentful that they don't get raises... when in actuality the cost of health insurance goes up so much every year that SHE feels like she IS giving them a raise.

Then there's my dh in a third industry who also has not seen a raise in years, which IMO is because his health coverage is always paid every year...a cost that increases dramatically for his employer each year.

It's enough to make me want to move to Canada...almost.

Take the time to heal from your marriage before you move on with someone else. Make a list of all the qualities you would like in a new partner and then work on growing that way yourself. ~mandib50
Momtwice is offline  
#21 of 21 Old 03-15-2005, 12:01 AM
 
applejuice's Avatar
 
Join Date: Oct 2002
Location: hunting the wild aebelskiever
Posts: 18,369
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 9 Post(s)
A bit OT, but the reason health care is included in employment packages today is because sixty years ago during WWII, there were wage and price freezes. No one was allowed to get or give a raise by federal law because of the war effort. So in order to attract and keep eligible and good employees, employers began to offer medical, dental, retirement and later vision benefits.

More than one critic of the high cost of health care has commented that this is one reason healthcare costs have soared.

"The great enemy of the truth is very often not the lie, deliberate, contrived and dishonest, but the myth, persistent, persuasive and unrealistic."
applejuice is offline  
Reply

Quick Reply
Message:
Drag and Drop File Upload
Drag files here to attach!
Upload Progress: 0
Options

Register Now

In order to be able to post messages on the Mothering Forums forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.
User Name:
If you do not want to register, fill this field only and the name will be used as user name for your post.
Password
Please enter a password for your user account. Note that passwords are case-sensitive.
Password:
Confirm Password:
Email Address
Please enter a valid email address for yourself.
Email Address:

Log-in

Human Verification

In order to verify that you are a human and not a spam bot, please enter the answer into the following box below based on the instructions contained in the graphic.



User Tag List

Thread Tools
Show Printable Version Show Printable Version
Email this Page Email this Page


Forum Jump: 

Posting Rules  
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are Off