Military Retiree Question

Nope!

 

You will only save whatever the cost of the insurance would have been.

 

Nope

 

You don't get paid more, you just don't pay for insurance. So you won't have the cost of healthcare taken out. Now when I was a controller it was a bit different. Because I had a job that paid for full healthcare on top of our hourly wage the put that money in my 401k so although I never saw it I was in fact getting paid more. Some truck companies may be set up similar.

 

If you run for small company, they might give you an extra 1 or 2 cpm if you ask.

 

It depends on the company. Years ago when I first started the Navy was on a 4 day work week so every Fri, Sat, and Sun we had off. I went and got an OTR job that would get me back every Monday morning. The pay was 10½ a mile for regular drivers and I got 12½ because I had no benefits. It's worth bringing it up when you get hired.

 

Well I can't tell you what any companies will or will not do, but I certainly can tell you why no company should be doing that.

First, you aren't the first person to try this. There are plenty of folks who get insurance elsewhere, whether it's the 25 year old on his parent's insurance, the guy fresh out of the military, or the guy who is on his baby momma's insurance through her work. Plenty of people not using the benefits at their job.

Now, if the company gives these people a higher pay because they aren't using the benefits, then the company will have a very hard time defending the position that they are not charging that extra amount to the folks who are using it. For example, if insurance costs 250 a month, but you are getting an extra 300 a month because the company isn't forking out their part for your insurance, then how is that any different than the company charging 550 a month for the insurance?

Up to a few years ago that might not have been a problem, but now with the Obamacare laws, if someone can make the case to the IRS that the company is charging 550 a month for insurance to a guy making 4000 a month, after certifying to the IRS that they are charging less than 10 per cent of that person's income for said insurance, that company could be in some very hot water.

 

Mail carriers will pay more. Around my area, MTI pays around $21, and if you opt out, you get paid around $26. I think it's the same with Salson and Eagle. That's why you'll see a lot of military vets hauling mail for contract carriers , because they don't have to worry about benefits.

 

If you do get it just keep your mouth shut. Your pay is nobody's business and it stops the others from crying.