Is Social Security A Good Investment?

[Riot]

Originally Posted by joeydb

Can't blame you a bit for that.

She must be thinking of someone else that she actually knows.

By the way, how does one go about changing their logon here? I'm thinking about "Order" - you know, the "anti-riot".

Riot is an accomplished hunting sighthound. The opposite would be ... maybe a couch Pekinese

And I searched, it's Timmgirvan that said he receives SSDI.

[Riot]

Originally Posted by Danzig

it would be nice if people would buy short and long term disability coverage, wouldn't it? another available service that many ignore and then find a need.

People can't afford it, 'Zig. Health insurance is too expensive for most in the US unless they have an employer to help them out, and ignoring insurance and just purchasing the healthcare you need is completely unaffordable. As I said yesterday, UK charges $193 to see a GP for 15 minutes if you don't have insurance? That's absurd.

Healthcare in the US is 1/5 of our economy. It's only 4-6% in other first world countries. Our system is badly broken.

[timmgirvan]

Originally Posted by Riot

People can't afford it, 'Zig. Health insurance is too expensive for most in the US unless they have an employer to help them out, and ignoring insurance and just purchasing the healthcare you need is completely unaffordable. As I said yesterday, UK charges $193 to see a GP for 15 minutes if you don't have insurance? That's absurd.

Healthcare in the US is 1/5 of our economy. It's only 4-6% in other first world countries. Our system is badly broken.

With insurance, my doc charges 225-295 a visit. Medicare pays approx 100, I pay 25. Copay has increased....meds are 35-50% higher since July. Fixed income is nice to have, but it's still "checkers" at the end of the month.

[Danzig]

Originally Posted by Riot

People can't afford it, 'Zig. Health insurance is too expensive for most in the US unless they have an employer to help them out, and ignoring insurance and just purchasing the healthcare you need is completely unaffordable. As I said yesterday, UK charges $193 to see a GP for 15 minutes if you don't have insurance? That's absurd.

Healthcare in the US is 1/5 of our economy. It's only 4-6% in other first world countries. Our system is badly broken.

the coverage where i used to work for bc/bc for the employee was about $20 a week, certainly affordable for everyone who worked there. i know what the pay was for each position there.
and as i said above, the std was about 1 dollar a week. a dollar-people can't afford that? to get paid 2/3's their salary if they had to be off?
but, that money for tobacco is easily found i guess...one lady complained that they didn't have much-but her, her mom, and her hubby all used tobacco. pack/can a day for each. $15 a day. times 30 days. when i did the math, she looked at their habits a lot differently. it's all about priorities, and for many people, health coverage isn't a priority-til they need it. then it's a huge problem. and then it's pooor me. when in fact, those with a need already can be covered by medicaid. but it's the ones who don't want to pay who so often look for that help and sympathy. it's aggravating as hell. now, is everyone like that? obviously not. but when even smaller employers offer the stuff, and people turn it down-you gotta wonder what's in their head.

[Antitrust32]

Originally Posted by Danzig

the coverage where i used to work for bc/bc for the employee was about $20 a week, certainly affordable for everyone who worked there. i know what the pay was for each position there.
and as i said above, the std was about 1 dollar a week. a dollar-people can't afford that? to get paid 2/3's their salary if they had to be off?
but, that money for tobacco is easily found i guess...one lady complained that they didn't have much-but her, her mom, and her hubby all used tobacco. pack/can a day for each. $15 a day. times 30 days. when i did the math, she looked at their habits a lot differently. it's all about priorities, and for many people, health coverage isn't a priority-til they need it. then it's a huge problem. and then it's pooor me. when in fact, those with a need already can be covered by medicaid. but it's the ones who don't want to pay who so often look for that help and sympathy. it's aggravating as hell. now, is everyone like that? obviously not. but when even smaller employers offer the stuff, and people turn it down-you gotta wonder what's in their head.

great post

[Danzig]

another question....if people wont buy group coverage with the employer paying a huge part, how will they suddenly afford obamacare??? the ONLY way to assure 100 % coverage and force everyone to pay is thru a tax.

[Clip-Clop]

Originally Posted by Antitrust32

great post

It is...But they need tobacco and alcohol because they are sad and because they do not have health care. It makes them feel better. Like all those people WITH jobs and families that "cling to guns and bibles" to feel better.

[Antitrust32]

Originally Posted by Clip-Clop

It is...But they need tobacco and alcohol because they are sad and because they do not have health care. It makes them feel better. Like all those people WITH jobs and families that "cling to guns and bibles" to feel better.

I'm not sad but I certainly like consuming alcohol!!!

[Clip-Clop]

Originally Posted by Antitrust32

I'm not sad but I certainly like consuming alcohol!!!

My alcohol consumption is truly a result of my location. There are FAR too many beers out here to be avoided.

[Riot]

Originally Posted by Danzig

another question....if people wont buy group coverage with the employer paying a huge part, how will they suddenly afford obamacare???

The insurance exchanges setups (private companies providing the insurance) are meant to provide direct, purely capitalistic competition between companies for one's business that will lower prices for all.

People with insurance offers through work will not be eligible for the exchanges, they have to purchase from work. The ACA is trying to insure those without insurance options, left adrift by our current healthcare insurance system. Not those who can get insurance.

Except these employees will not be forced to get the insurance available to them, because the Republicans demanded that all these small businesses be excluded.

It is repeatedly distressing to have people discussing the value of the ACA, and passing judgment upon it, when the factual provisions of the ACA are clearly not known to them. Those provisions are readily available, and have been since the law was passed, on the internet in easily-understandable bullet point websites geared to familiarizing people with the truth - not the GOP screaming August health care town hall ads and lies about government takeover of health care - of what the ACA actually contains.

the ONLY way to assure 100 % coverage and force everyone to pay is thru a tax.

Or you could do it the way the ACA is set up. The ACA is attempting to get the currrently uninsured, insured. By private insurance companies. Not "the government". It doesn't change anything for those with insurance (other than the existence of the exchanges should make an employers choice for purchasing health insurance for their employees less expensive with greater competitive options)

[Riot]

Originally Posted by Danzig

the coverage where i used to work for bc/bc for the employee was about $20 a week, certainly affordable for everyone who worked there. i know what the pay was for each position there.
and as i said above, the std was about 1 dollar a week.

Yeah, but what about all the other people who do not have work health insurance & disability offers, are unemployed, or currently are uninsurable, or have insurance but the company will not insure them for their chronic illnesses, etc?

That's who the ACA is trying to insure. Not the currently insured, but the currently under- and un-insured.

Yes, I agree it's sad to see people make bad life financial decisions for themselves and refuse employer offers like heath insurance, disability, matching 401K funds, etc.

[Danzig]

Originally Posted by Riot

The insurance exchanges setups (private companies providing the insurance) are meant to provide direct, purely capitalistic competition between companies for one's business that will lower prices for all.

People with insurance offers through work will not be eligible for the exchanges, they have to purchase from work. The ACA is trying to insure those without insurance options, left adrift by our current healthcare insurance system. Not those who can get insurance.

Except these employees will not be forced to get the insurance available to them, because the Republicans demanded that all these small businesses be excluded.

It is repeatedly distressing to have people discussing the value of the ACA, and passing judgment upon it, when the factual provisions of the ACA are clearly not known to them. Those provisions are readily available, and have been since the law was passed, on the internet in easily-understandable bullet point websites geared to familiarizing people with the truth - not the GOP screaming August health care town hall ads and lies about government takeover of health care - of what the ACA actually contains.



Or you could do it the way the ACA is set up. The ACA is attempting to get the currrently uninsured, insured. By private insurance companies. Not "the government". It doesn't change anything for those with insurance (other than the existence of the exchanges should make an employers choice for purchasing health insurance for their employees less expensive with greater competitive options)

but as i posted, you can't make them buy. and if they arent insured, the risk is all on them. and if people 'can't afford' employer subsidized group coverage, they certainly cant afford to buy outside of the group.
people want ins, want coverage, want care, want whats right...they just dont want to pay for it. i dont care if obamacare is all wrapped up and with a bow, there are people who dont see or feel a need, and wont pay. and no doubt they dont have car or life ins either.

[Riot]

Originally Posted by Danzig

i dont care if obamacare is all wrapped up and with a bow, there are people who dont see or feel a need, and wont pay. and no doubt they dont have car or life ins either.

Yes, but out of the 60 million currently uninsured, I doubt they are remotely near a significant number. Most uninsured will be very grateful to be able to finally afford their own health insurance, and/or be insured for the illnesses and problems their current insurance company denies them coverage for.

I'll remind that most bankruptcies in this country are due to medical bills, and most of those bankruptcies are people who have insurance.

That simply doesn't occur in other first world countries. We are backwards and woefully inadequate, here in the US, with our health care.

[Danzig]

i've been told that about 40% of drivers here are uninsured. it's a significant amount. no doubt they're as blase' about health insurance.
thing is, like i said, people wail and moan about health costs-but many wouldn't have those issues had they opted for the insurance. i think the numbers would surprise you of people who simply chose not to take coverage. i see it every day. people who can afford insurance, be it for life, health, car, etc. they don't see a need. their excuse-why pay for something i'll never use? because all it takes is one catastrophe, but they don't look at it that way.