... the rest of us already know this. "Pension distributions - monthly or lump-sum?" ...
73141
Steve
stevejm1935
Jul 1, 2012 7:15 pm
I doubt this is sufficient to predict bankruptcy in eight years....
73142
Steve
stevejm1935
Jul 1, 2012 7:20 pm
OF COURSE it has something to do with the ACA. Before 2010, providing employee health care was a competitive issue in attracting employees. Now the government...
73143
Steve
stevejm1935
Jul 1, 2012 7:25 pm
Insurance company charges are based on actuarial history, so what do you expect? This is not group insurance, where you gave a built-in age spread....
73144
Kevin W
nowwicked
Jul 1, 2012 8:32 pm
Don,,, I agree with you with one exception. I think it would take a lot less time than a trillion seconds. Probably the inverse is true....
73145
donwshuper50
Jul 1, 2012 10:54 pm
Of course IBM could save billions if they outsourced everything but 49 employees/executives. making up shell companies by the dozens may also work. Picking...
73146
donwshuper50
Jul 1, 2012 11:05 pm
thats what i said or meant to say/write - perhaps if I showed it as 1/(trillionith ) seconds or 1/ 10^12 seconds or one trillionth of a second would have...
73147
fhawontcutit
Jul 2, 2012 1:00 am
In post http://finance.groups.yahoo.com/group/ibmpension/message/71270 I mentioned the following: However, even though a 3:1 age rating is permitted, this...
73148
fhawontcutit
Jul 2, 2012 1:05 am
... Don, Waivers were given for so-called 'mini-med' plans (aka "junk insurance"). Wendell Potter has written quite a bit about these types of plans. I'll...
73149
fhawontcutit
Jul 2, 2012 1:05 am
... Don, I honestly don't know what you are talking about. Can you please explain? If you are over 65, you are still on Medicare. If your state does not start...
73150
donwshuper50
Jul 2, 2012 3:40 am
why not try reading the SCOTUS opinion ?? I and wife are on medicare simply because we also get SS, and medicare A mis taken from our checks, etc. Currently we...
73151
fhawontcutit
Jul 2, 2012 10:58 am
... What makes you think I haven't read the SCOTUS opinion?...
73153
ibmscrewedme2
Jul 2, 2012 11:05 am
IBM has been in many countries where thay have national health care and has offered health care "supplement" as a competitive issue in attracting employees. My...
73155
Kenneth Pilipshen
test2btrue
Jul 3, 2012 11:29 am
To me, medical insurance and health care is a major issue and influences me politically. I think the real issue is who is going to treat you irrespective of...
73156
netmouser
Jul 3, 2012 1:02 pm
Not entirely true. For clarity - If you are under Medicare: 1. If a doctor does not accept Medicare then the bill and the payment is totally a contract...
73157
Steve
stevejm1935
Jul 3, 2012 4:03 pm
"The reason is if he accepts Medicare, he must also accept Medicaid patients. Medicaid pays even less to a doctor than Medicare." Ken, I didn't know that. Is...
73158
happily_retired_033106
happily_reti...
Jul 3, 2012 4:09 pm
Mass. health law may bode well for federal law http://xfinity.comcast.net/articles/news-general/20120703/US.Health.Care.Massachusetts/ An interesting...
73159
justa_bean_counter
justa_bean_c...
Jul 3, 2012 4:09 pm
In 2014, the law changes such that Medicaid payments to Doctors must be the raised to the same as the Medicare payment. So the inequality between the two...
73160
donwshuper50
Jul 3, 2012 6:51 pm
The problem is that xxx million comes OUT of medicare according to the current explanations of ACP. So called savings- and the states must then pick up the...
73161
justa_bean_counter
justa_bean_c...
Jul 3, 2012 6:59 pm
Don, the vast majority of what comes out of Medicare is the closure of the expensive and government backed Advantage plans. Their cost is more much than...
73162
abcsweeps
Jul 3, 2012 8:51 pm
Hi everyone, I am writing on behalf of a loved one, who worked at IBM for over 30 years. She locked into the older IBM pension plan (I don't know the exact...
73165
fstephens
Jul 4, 2012 2:42 am
Not sure how anyone with 30 years at IBM doesn't know the basic rules at retirement. BUT, if she has a FT JOB, this is a life changing activity and allows her...
73166
madinpok
Jul 4, 2012 2:42 am
Normally, obtaining such coverage would qualify as a life event, which allows you to change your coverage within 30 days of the qualifying event. Since it has...
73167
justa_bean_counter
justa_bean_c...
Jul 4, 2012 2:47 am
Don - done (yes, I just passed on a secret message, so shoot me) Kathi...
73168
madinpok
Jul 4, 2012 12:53 pm
My reading of the original post is that she did opt in for FHA coverage at the time she retired. Once you opt in, your choices remain in effect until you...
73169
Kenneth Pilipshen
test2btrue
Jul 4, 2012 12:58 pm
I do not think a nation wide company such as IBM would change its health care insurance if only one state like Mass., changed its law. However, if all the...
73170
mr_quarkwrench
Jul 4, 2012 6:04 pm
This assumes that IBM actually pays $7,000 per employee. Being self insured they don't actually pay a premium to an insurance company. In fact, they collect...
73171
fhawontcutit
Jul 4, 2012 7:32 pm
A previous thread on this board mentioned the Early Retiree Reinsurance Program: http://finance.groups.yahoo.com/group/ibmpension/message/69052 teamb562 gave...
73172
Kenneth Pilipshen
test2btrue
Jul 5, 2012 5:09 pm
As to Doctors getting less for Medicaid than Medicare, I believe it is in the Federal Law. If he accepts one than he must accept the other. As to the...
73173
orsonbear
Jul 5, 2012 7:12 pm
As for the wait, my doctor's group of associates accepts Medicare and Medicaid and I have never experienced a delay. I get to the waiting room a few minutes...
