[Hidden-tech] Disability insurance suggestions?

Val Nelson valnelson at comcast.net
Tue Mar 1 18:41:36 EST 2005


Speaking of insurance, can anyone recommend a provider of affordable
disability insurance for a very small business (4 employees)?

by the way, for those of you looking to give away old computers,
printers, office supplies, packing material, whatever, or are looking
for free stuff, you should join FreeCycle (http://freecycle.org/).
The Northampton email group is very active and things move fast. You
post it and next thing you know, someone comes to pick it up. It's so
easy.

thanks
val

-----Original Message-----
From: hidden-discuss-bounces at lists.hidden-tech.net
[mailto:hidden-discuss-bounces at lists.hidden-tech.net]On Behalf Of Jim
Ussailis
Sent: Tuesday, March 01, 2005 6:05 PM
To: Garth Shaneyfelt
Cc: hidden-discuss at lists.hidden-tech.net
Subject: Re: [Hidden-tech] Health insurance - HSA experience?


Another comment on the subj of health ins.

Several years ago I was doing my thing for a group in the valley &
attended a show in CT. I stopped by several health insurance company
booths and got the same response:

If you are an business, and buy health ins for employees, the better
deals are made when the "group" contains three or more employees. The
discount between two and three employees is between $70 and $100 per
month per employee.

I was told that the rates were essentially the same for MA as CT.


Jim Ussailis

jim at nationalwireless.com

PS I also found that the rate for a two employee business is based on
the
oldest employee of the "group," which in my case is me. I paid $437
for
myself until I turned 65. Now I thank each and every one of you for
your
contribution to Medicare.



On Tue, 1 Mar 2005, Garth Shaneyfelt wrote:

>
> >  This state just isn't set up to make
> >insurance affordable for anyone, self-employed or otherwise.
>
> Sad, but true.   Although in 2006, there might be a Constitutional
> amendment to ensure health care for all.
>
> I have found that BCBS Direct Pay seems to have pretty decent rates
[at
> least for Western
> Mass].
>
http://www.bcbsma.com/common/en_US/healthPlansIndex.jsp?levelOneDotFi
veCategory=Direct+Pay
>
> For instance you can get a COUPLE plan [with drug benefit] for
$675/month;
> single for $350  [$250/mo if you can get by without drug benefit].
>
> For us, this ALMOST beats the 50% share I have to pay for my BCBS
HMO plan
> through my empolyer.
>
> hope this helps
> -Garth
>
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