Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Part time employers with health care?
Old 08-18-2016, 09:31 PM   #1
Recycles dryer sheets
 
Join Date: Apr 2016
Location: Augusta
Posts: 180
Part time employers with health care?

There used to be employers that offered health insurance for part time workers. I believe it was quite limited. Did the health insurance reform do away with that?
I seem to recall kohls, home depot and hobby lobby made the list...


Sent from my iPhone using Early Retirement Forum
__________________

__________________
Yarnstormer is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 08-19-2016, 12:58 AM   #2
Recycles dryer sheets
 
Join Date: Sep 2008
Posts: 142
I believe that Starbucks also offers heath care to all employees part time or not!
__________________

__________________
HF63 is offline   Reply With Quote
Old 08-19-2016, 06:29 AM   #3
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
pb4uski's Avatar
 
Join Date: Nov 2010
Location: Vermont & Sarasota, FL
Posts: 16,490
Where I worked one was eligible for health insurance benefits if you worked 20 hours a week or more.
__________________
If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.
Slow and steady wins the race.
pb4uski is online now   Reply With Quote
Old 08-19-2016, 07:24 AM   #4
Recycles dryer sheets
SteveNU's Avatar
 
Join Date: Feb 2010
Posts: 314
My son works for UPS part time 20 hours a week and has health insurance fully paid for.

Sent from my Nexus 7 using Early Retirement Forum mobile app
__________________
SteveNU is online now   Reply With Quote
Old 08-19-2016, 07:34 AM   #5
Thinks s/he gets paid by the post
 
Join Date: Nov 2009
Posts: 3,873
Quote:
Originally Posted by pb4uski View Post
Where I worked one was eligible for health insurance benefits if you worked 20 hours a week or more.
Same for me when I was working part-time. I had to pay 50% of the premiums instead of 25% when I worked full-time. But when I reduced my weekly hours worked from 20 to 12, I became ineligible for the plan. I offered to pay 100% of the premiums but they balked. I thought it was a no-brainer for them to allow me to remain in the plan under that deal, but I was wrong.
__________________
Retired in late 2008 at age 45. Cashed in company stock, bought a lot of shares in a big bond fund and am living nicely off its dividends. IRA, SS, and a pension await me at age 60 and later. No kids, no debts.

"I want my money working for me instead of me working for my money!"
scrabbler1 is online now   Reply With Quote
Old 08-19-2016, 09:52 AM   #6
Recycles dryer sheets
 
Join Date: Apr 2013
Location: Vienna
Posts: 55
Quote:
Originally Posted by scrabbler1 View Post
Same for me when I was working part-time. I had to pay 50% of the premiums instead of 25% when I worked full-time. But when I reduced my weekly hours worked from 20 to 12, I became ineligible for the plan. I offered to pay 100% of the premiums but they balked. I thought it was a no-brainer for them to allow me to remain in the plan under that deal, but I was wrong.
I would have thought you would be eligible for COBRA as a reduction in hours is a qualifying event. Perhaps your company was too small to fall under COBRA rules.
__________________
MildlyEccentric is offline   Reply With Quote
Old 08-19-2016, 11:02 AM   #7
Thinks s/he gets paid by the post
 
Join Date: Nov 2009
Posts: 3,873
Quote:
Originally Posted by MildlyEccentric View Post
I would have thought you would be eligible for COBRA as a reduction in hours is a qualifying event. Perhaps your company was too small to fall under COBRA rules.
I was eligible for COBRA and switched to it and stayed on it for 18 months. But when I asked to pay 100% of the group plan's premiums or to have my company allow me to remain on COBRA longer (which in effect would be the same thing), my requests for both were rejected. I actually left the company and ERed before COBRA had expired although I knew months earlier that once COBRA expired I would be on my own, and I did not want to keep working AND have to buy my own individual HI policy.
__________________
Retired in late 2008 at age 45. Cashed in company stock, bought a lot of shares in a big bond fund and am living nicely off its dividends. IRA, SS, and a pension await me at age 60 and later. No kids, no debts.

"I want my money working for me instead of me working for my money!"
scrabbler1 is online now   Reply With Quote
Old 08-19-2016, 12:23 PM   #8
Moderator
ziggy29's Avatar
 
Join Date: Oct 2005
Location: Texas
Posts: 15,613
A little over three years ago I started working for the USPS as a clerk in a tiny little post office one morning a week, just for something to do. One thing accidentally led to another, and early last year I wound up being converted into a part-time career position. It's about 20-25 hours a week, but as a career position it receives full medical benefits (not prorated for hours worked - same as the full-timers get) for which I pay about $50 a month out of my paychecks for "self plus one" coverage.

Not a bad deal at all, even if it's a little more than I'd like to be working in a semi-retirement - and with what's happening to Marketplace coverage through ACA, I think I'd better hold onto it. Heck, if I can make it until April 2025 I'll be able to fully retire with full retiree medical coverage (I'd be 59 then), so we'll see. Yeah, it's w*rk, but this is a pretty sweet deal.
__________________
"Hey, for every ten dollars, that's another hour that I have to be in the work place. That's an hour of my life. And my life is a very finite thing. I have only 'x' number of hours left before I'm dead. So how do I want to use these hours of my life? Do I want to use them just spending it on more crap and more stuff, or do I want to start getting a handle on it and using my life more intelligently?" -- Joe Dominguez (1938 - 1997)

RIP to Reemy, my avatar dog (2003 - 9/16/2017)
ziggy29 is offline   Reply With Quote
Old 08-19-2016, 12:35 PM   #9
Recycles dryer sheets
 
Join Date: Apr 2016
Location: Augusta
Posts: 180
Wow I'd love a part time job like your post office gig!


Sent from my iPhone using Early Retirement Forum
__________________
Yarnstormer is offline   Reply With Quote
Old 08-19-2016, 12:40 PM   #10
Recycles dryer sheets
nubill's Avatar
 
Join Date: Jul 2004
Location: Central Florida
Posts: 58
I worked for the Federal Government part time from age 55 to 62. DW and I were covered by Fed Employee's BC/BS. If you work there at least 5 years and are age 62 years old you can retire and get retiree's coverage. We currently have the same insurance now and the cost is less (BC/BS basic $355.76 per month)
__________________
nubill is offline   Reply With Quote
Part time employers with health care?
Old 08-19-2016, 12:43 PM   #11
Thinks s/he gets paid by the post
RetireAge50's Avatar
 
Join Date: Aug 2013
Posts: 1,121
Part time employers with health care?

In King County Wa you can drive the metro bus part time and get full medical benefits. They also pay you to get your commercial driving training/license.
__________________
RetireAge50 is offline   Reply With Quote
Old 08-19-2016, 12:48 PM   #12
Moderator
ziggy29's Avatar
 
Join Date: Oct 2005
Location: Texas
Posts: 15,613
Quote:
Originally Posted by Yarnstormer View Post
Wow I'd love a part time job like your post office gig!
It was a pure accident -- I never even intended (or really wanted) it to turn into more hours and more work. I just happened to be in situations where it fell into my lap without even seeking it or applying for it. You usually have to be hired into a non-career position for a while before being "converted" into a career position but for me it happened very quickly.

Like I said, more hours than I would ideally work, but it's awfully hard to complain about excellent, almost no-cost health insurance from a job where I average maybe 22 hours a week. DW is our primary breadwinner now, but now that I get this employer coverage for both of us she was able to negotiate "more bread" in exchange for waiving her own contractual employer coverage. She gets an extra $X per month, her employer saves nearly $2X per month, so everyone wins.

Quote:
Originally Posted by nubill View Post
I worked for the Federal Government part time from age 55 to 62. DW and I were covered by Fed Employee's BC/BS. If you work there at least 5 years and are age 62 years old you can retire and get retiree's coverage. We currently have the same insurance now and the cost is less (BC/BS basic $355.76 per month)
Yep. There's also the "MRA + 10" immediate retirement which means at least 10 years of service *and* at least the minimum retirement age (MRA, which varies by your date of birth). For me the MRA is about 57, but I wouldn't have 10 years of creditable career service until I am 59 (the same month I turn 59 1/2, coincidentally), so that's the age when I could take immediate retirement with health coverage. Such early retirement would shrink my annuity (pension) by about 15%, but a FERS pension for 10 years of part-time work would be so small that it doesn't even move the needle. The retiree health insurance is the pot of gold there; whatever is left from the FERS annuity would be a few coppers in comparison.
__________________
"Hey, for every ten dollars, that's another hour that I have to be in the work place. That's an hour of my life. And my life is a very finite thing. I have only 'x' number of hours left before I'm dead. So how do I want to use these hours of my life? Do I want to use them just spending it on more crap and more stuff, or do I want to start getting a handle on it and using my life more intelligently?" -- Joe Dominguez (1938 - 1997)

RIP to Reemy, my avatar dog (2003 - 9/16/2017)
ziggy29 is offline   Reply With Quote
Old 08-19-2016, 12:54 PM   #13
Moderator
Walt34's Avatar
 
Join Date: Dec 2007
Location: Eastern WV Panhandle
Posts: 16,579
A few years ago we talked with a lady at Home Depot who was happy to have a job mixing paint for 20 hours a week and had medical coverage. She was a single mom and they adjusted her hours so she could deal with the child care issues. I don't know if they still offer the medical coverage for part timers.
__________________

__________________
I heard the call to do nothing. So I answered it.
Walt34 is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not 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 Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Part-Time ER vs Part-Time OMY: a Perspective 38Chevy454 Life after FIRE 14 06-06-2016 11:28 AM
Full time to part time...to no time! WestcoastRN Hi, I am... 13 11-17-2013 02:02 PM
Most large employers to keep health insurance benefit-survey SumDay Health and Early Retirement 3 03-08-2013 09:58 AM
Long-Term Care - Part of Health Care Reform Bill chinaco Health and Early Retirement 3 07-19-2009 03:53 PM
Going onto DW's employers health covg... Cb Life after FIRE 3 08-24-2006 09:46 AM

 

 
All times are GMT -6. The time now is 09:07 AM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.