[speaker001:] okay I work for a temporary service and so our benefits are a lot more limited than what you would have if you worked a regular full time job
[speaker002:] um-hum um-hum um-hum
[speaker001:] we have to work a certain number of hours and then we get holiday pay and vacation pay and they if you
[speaker002:] so do you you say you work for a temporary but do you work full time hours doing that
[speaker001:] um I could if I wanted to I'd I'm not right now
[speaker002:] um-hum they but do they uh determine your benefits on whether or not you do work those hours or
[speaker001:] um I have been yeah you like you have to work twelve hundred hours um within a year to get holiday pay and fifteen hundred hours within a year to get vacation pay so if you're not working enough hours to get that much time in in a year then you don't get the benefit
[speaker002:] then they uh adjust it accordingly
[speaker001:] yeah yeah you don't get anything at all
[speaker002:] my uh husband works for a a large oil company and they uh and in the past has worked for a computer company and a bank so we've always uh
[speaker001:] uh-huh
[speaker002:] always had access to to good benefits as far as insurance and and usually some dental and life insurance and that kind of thing you know and
[speaker001:] right yeah my husband has good benefits too or I probably wouldn't be able to do the temporary work
[speaker002:] yeah exactly
[speaker001:] I think medical is probably one of the most important things
[speaker002:] I know uh here sometime back you know they had had had given him a printout you know of uh
[speaker001:] to have
[speaker002:] money that the company had paid into stock in his name and how much he'd paid and um the medical benefits and whatnot that uh he was entitled to and they estimated those benefits at about forty percent of his salary
[speaker001:] wow
[speaker002:] even including vacation like you said and paid holidays and
[speaker001:] um-hum
[speaker002:] and uh all of those things now some of those you look at and you say well I'm not going to need that or use that benefit but I guess it's there knowing that it could be used if you
[speaker001:] yeah those must be pretty good benefits I've heard that usually they average about thirty percent of your salary so it sounds like maybe his company's a little bit better
[speaker002:] so chose yeah yeah I uh we've always been dealt fairly with that way and I would certainly you know caution any young person going into you know looking at jobs to make sure that they truly know what those benefits are and how they're going to match up and it might be wise to take a lower salary or hourly wage if you knew that uh long term the you were going to get more of a profit sharing or you know or just you know
[speaker001:] right yeah
[speaker002:] whatever you know the differences in the you know in the benefits we belong to an HMO through my husband's work is do you is that the kind of medical you have
[speaker001:] uh no fortunately we still have the it's just regular traveler's insurance that my husband has so we can go anywhere
[speaker002:] um-hum
[speaker001:] I guess that's good I don't know uh I can't decide
[speaker002:] well we uh we have five children so it's been good for us to uh to have the HMO for the most part
[speaker001:] oh yeah
[speaker002:] we're in a different one now than we used to be and it's required some adjustment but I think it in the end it will all come out in the wash their uh mental health benefits are very very low and anything that is elective of in any way could possibly be conceived as elective is you know not covered so
[speaker001:] uh-huh
[speaker002:] if you have those kinds of services that while the general public may see them as elective you don't see them as elective
[speaker001:] really
[speaker002:] then uh you know uh you know you may not get the coverage that's you might have
[speaker001:] yeah my husband works for a psych hospital and I know that they sometimes have to discharge people before they're really ready because their insurance won't let them stay any longer it frustrates him because they'll just be getting somebody to the point where they can really make some progress and then they're gone
[speaker002:] uh-huh that's right that's right and I know that that is a is a concern and if those people aren't willing to go to outpatient you know therapy or something then that benefit is what what was paid is almost wasted
[speaker001:] yeah really
[speaker002:] and uh well I mean I guess you can't ever totally say that but you know the best good was not gleaned from the money spent where as maybe even two weeks longer would have made a difference there should be some provision for appeal or something I guess
[speaker001:] right yeah yeah do you uh
[speaker002:] need
[speaker001:] does your husband's company have any of the new like a cafeteria plan where he gets to pick and chose any of his benefits
[speaker002:] well yes I guess so you know uh but not uh not really you know there're there are some options in in every area whether it's medical or uh you know insurance or you know as a stock you know savings kind of plan that's subsidized by the company and that kind of thing so
[speaker001:] right yeah that's one thing I wish that we had was like a 401K plan or one of those things were they matched what you could save those are really good deals
[speaker002:] um-hum yeah yeah yeah we have been so grateful for that over the years because we uh uh that that's what our kids are going to go to college on I guess so
[speaker001:] yeah
[speaker002:] you know it's good that
[speaker001:] that or retire I don't think we can plan on social security taking care of us so
[speaker002:] no I don't think so I think there're going to be too many of us our age for any way that that system can possibly even barely lessen the load we just better be those of us who can try to do something anything to put away for hopefully we won't have such a attitude in our country about elderly people not being able to work and not being smart enough to lend a hand by the time we get there too
[speaker001:] yeah with what they say about how the population's changing I think attitudes' ll have to change to go along with that
[speaker002:] yeah exactly so it's going to we're going to see a lot of changes in the next while
[speaker001:] and that'll probably change the insurance benefits too as people get older and still work and
[speaker002:] I would think so don't you think yeah
[speaker001:] they'll need more health care
[speaker002:] I know uh my mother-in-law has had to get individual insurance the last couple of years and she's seventy two
[speaker001:] so
[speaker002:] and uh it's just been so difficult to get uh you know to get anything
[speaker001:] yeah
[speaker002:] but uh
[speaker001:] does that just supplement like Medicare Medicare or
[speaker002:] yeah yeah uh-huh uh-huh
[speaker001:] yeah
[speaker002:] like that so but you know I would say that overall we've been very luck and are very happy you know if if I had to
[speaker001:] yeah that's good see I my husband been self-employed and he's worked for uh like a small companies and now he's in a little bit bigger company so we've seen a little bit of every kind of benefit you can have
[speaker002:] you kno w um-hum yeah yeah I I work for part-time for a man who's self-employed and gosh you know he and his family he doesn't do anything for me you know because I have what I need through my husband but uh it sure is rough for him it's providing for his family
[speaker001:] right yeah when we when he was self self-employed and we had to get our own insurance to get maternity benefits was just ridiculous I mean you could you might as well have saved the money you paid every month and paid your own hospital bill at the end of the year or something
[speaker002:] oh I know it yeah but you never know if you could have had that catastrophic thing happen to you know you or your baby where you'd need
[speaker001:] right
[speaker002:] need somebody to jump in and take over those payments
[speaker001:] yeah yeah it's scary
[speaker002:] yeah it sure is well I appreciate getting to visit with you
[speaker001:] well it was good talking to you
[speaker002:] take care bye now
[speaker001:] you too bye