Can I not use the company health insurance and request more pay?

Discussion in 'Questions From New Drivers' started by NewNashGuy, Sep 15, 2011.

  1. NewNashGuy

    NewNashGuy Road Train Member

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    I already have my own health insurance with BCBS that I have been paying for out of pocket for the past few years. Is it possible I can tell a trucking company that I am interested in not to pay for the health insurance they provide for me and instead get a slight increase in pay - so they can save money too which will make me more desirable as an employee? Or if anything just no health insurance and no increase in pay just to better my chances of getting the job? I am not even sure if a major company like Schneider can do that.
     
    Last edited: Sep 15, 2011
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  3. lonewolf4ad

    lonewolf4ad Road Train Member

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    I would seriously doubt it NNG, the reason being is that the company usually has a detail oriented policy with the insurance company. Those details usually entail something along the lines of "for cheaper rates on the insurance plans, they will get more clients".
     
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  4. smarttowers

    smarttowers Light Load Member

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    It generally never hurts to ask. If you have to contribute to the insurance then I doubt it if its company paid it may be possible. I'm not sure how they would work it out for CPM though because it would probably have to be a fixed amount not based on the number of miles you drive.
     
  5. db2681

    db2681 Medium Load Member

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    If you don't get the health insurance with Millis Transfer you get an extra .01cpm. Not a huge increase but it something. Don't know if other companies have that or not.
     
  6. Pmracing

    Pmracing Road Train Member

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    ask for a cute secretary also. One that does back massages!

    Mikeeee
     
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  7. Jarhed1964

    Jarhed1964 Road Train Member

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    Nope. The law requires that a group health policy is offered to ALL full time employees. You can ask for higher pay, but they cannot tie any increase in pay with your refusal of coverage in *most* states. Some companies may offer a "Health Reimbursement Account" (HRA) where they contribute a set amount of dollars each month so you can go buy your OWN coverage elsewhere. This was growing before the Obamacare monstrosity pretty much planted a bomb in individual health plans.
     
  8. Pedigreed Bulldog

    Pedigreed Bulldog Road Train Member

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    I wouldn't be so quick to discourage him from even ASKING. The last company I worked for as a company driver would have paid me $35/week to NOT take their insurance. Of course when I was getting ready to buy my truck, I started pricing individual policies...and I found that I could have been buying my own policy, in my own name, on my own....same BCBS, same deductibles, same coverages, same EVERYTHING....for $20/month LESS than the $35/week extra they would have been paying me. I ended up with a policy that met all of my needs and cost 1/2 as much.

    Now that I have my own insurance, and it is a policy that covers what I WANT to have covered, without all of the "extras" I really don't care to pay for, I doubt I could go back to an employer's plan. I just no longer feel it is prudent to allow anyone ELSE to decide which coverages and levels best suit me in my own unique individual situation. Not only that, but I am free to change employers with no "waiting period" for benefits to kick in, and no expensive COBRA coverages to buy to maintain coverage.

    Look at it as a negotiating tool. You don't need their insurance because you have your own, and have no plans to abandon your own individual policy. This being the case, you have every intention to refuse the insurance policy they offer because you do not need it. Some companies will compensate you for the policy you buy on your own. Some won't. If you do not ask, you won't know....so what does it hurt?

    When a company presents their pay/benefits package, it is absolutely negotiable. EVERY benefit they offer is paid for as a result of the work you are expected to perform. Less money paid out in benefits = more money available to pay wages. The only downside to them paying the money in wages as opposed to setting it aside for benefits, is that they would have to pay their percentage of the increased wage in employment taxes...so it isn't going to be a dollar-for-dollar pass through to you. However, there really isn't any reason they can't pay you a little more for rejecting any portion of their benefits package.

    This is where excellent companies can and will set themselves apart from the bottom feeders.

    Just remember that whatever deal you work out with your employer, ESPECIALLY if it deviates from their standard offer, it is in your best interest to keep your mouth shut about what you are making when talking with fellow employees. Not all of them will comprehend the fact that your increased wages are the direct result of a decreased benefits package...so then they go crying to the boss about the "special treatment" you are getting and that is a headache most bosses don't want or need. What you make really isn't any of their business, so keep it to yourself.
     
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