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Default Dec 10, 2020 at 06:23 AM
  #1
I'm in a HUGE dilemma about a contract job that came up yesterday and need some advice. I have to reply today to the recruiter about this job.

It is a 12-month contract role, with a possibility for extension. There is NO guarantee it will extend. However, that being said, thtis company has been known to convert contract workers to full time permanent roles based on a long-term contract. Still, there is no guarantee.

The position pays VERY well - $60 per hour.

The contracting or staffing agency will provide health care benefits only after three months of contract employment with them.

I am in the beginning stages of a divorce. I have not hired or retained a lawyer yet. I am working on obtaining a pro bono lawyer based on low income and abuse from my marriage. I should find out within this week or the next two weeks if I am eligible for pro bono services.

Here's the other important details:
1. My husband is paying for my health insurance benefits right now through HIS employer.

2. My husband is moving out right now. He agreed to pay for his part of the rent through January. Then, I am responsible for paying the whole rent, when I am currently unemployed and would have to use a bank loan in order to pay the full rent come Feb 1.

I DO need employment ASAP.

3. In my state, it's a law to have continuous health care coverage for all 12 months of the year.

Now, I do not know:
1) when I will get a lawyer
2) when a divorce will be finalized

My questions:

1) Do you think it's possible to get my husband legally to pay for my health insurance through the three-month probationary period, even if we're already divorced?

2) Do I take a risk and grab this job opportunity NOW because I need employment ASAP?

Thanks in advance for your help.

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divine1966
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Default Dec 10, 2020 at 07:02 AM
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I’d take $60 an hour any time and at all times. It wouldn’t be a dilemma. lol

With 120k you can buy private emergency health care. I had to buy private emergency insurance at some point and I wasn’t making anywhere near that kind of money. It was crappy insurance but I managed. I doubt they’d make your husband pay for your health insurance after divorce especially if you make good money. But I also doubt you’ll be already divorced that soon if no one even filed for divorce yet!

Of course I’d take a job and I honestly don’t see any risk in here. Now if you have other options, I’d consider other options. But if not it’s absolute yes
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Default Dec 10, 2020 at 07:08 AM
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Originally Posted by divine1966 View Post
I’d take $60 an hour any time and at all times. It wouldn’t be a dilemma. lol

With 120k you can buy private emergency health care. I had to buy private emergency insurance at some point and I wasn’t making anywhere near that kind of money. It was crappy insurance but I managed. I doubt they’d make your husband pay for your health insurance after divorce especially if you make good money. But I also doubt you’ll be already divorced that soon if no one even filed for divorce yet!

Of course I’d take a job and I honestly don’t see any risk in here. Now if you have other options, I’d consider other options. But if not it’s absolute yes
Thanks, @divine1966!!!

I think you are right. I don't have any other job options right now. This is the one opportunity on my plate. And I do need employment as soon as humanly possible.

$60/hr will do wonders for my finances right now. I can even pay off all my debt with that amount per month. That would be a HUGE bonus.

And supposedly it's a great company to work for - if I can land myself in a healthy work environment, it will also do wonders for my mental health.

I am only just concerned about the health insurance not kicking in for 3 months AND the fact that the role is 12 months. But perhaps these things are more minor, and perhaps I need to prioritize having a job.

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Default Dec 10, 2020 at 07:09 AM
  #4
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Originally Posted by Have Hope View Post
It is a 12-month contract role, with a possibility for extension. There is NO guarantee it will extend.

The position pays VERY well - $60 per hour.

Here's the other important details:
1. My husband is paying for my health insurance benefits right now through HIS employer.

2. My husband is moving out right now. He agreed to pay for his part of the rent through January. Then, I am responsible for paying the whole rent, when I am currently unemployed and would have to use a bank loan in order to pay the full rent come Feb 1.

3. In my state, it's a law to have continuous health care coverage for all 12 months of the year.

[/B]
IMO, given all that you are dealing with, try not to worry about 2022 right now. Since you are unemployed, have you checked out your Obama care options (perhaps there is a low cost plan available) for 2021? I am guessing that we are in open enrollment still plus, when your insurance ends--you are automatically in an open enrollment period for about two months no matter what time of year it is. Also, what is the penalty for having a break in your healthcare coverage? When we used to have an Obama care penalty--I found it cheaper to pay the penalty than to have insurance because the penalty was based on our income (a certain percent of our income and if we didn't have coverage for 3 months, we would only pay 3/12s of the penalty). Getting a $60. an hour job can solve a lot of problems. I have experience with this because my husband is also in the IT field (pays well) but has been doing mostly contract jobs for more than a decade. We have been go from making it just fine to pauper status for decades--it is stressful but you adjust. We save money when times are good to get through the bad times. I also have mostly had contract jobs for more than a decade but mine never pay as well as my husbands. Contract jobs ARE less stressful--usually, they can't make you work overtime unless they pay you time and a half so, when overtime is required--contracters make great money! There is one job I have been doing every Spring that I love and I find that the fact that I doesn't last all year makes it seem fresh and less boring--about the time it is feeling a bit routine, the season is over. With contract jobs, if you are unhappy with someone you are working with--you know it will not last forever, you can just walk away when the contract ends and their is no black mark on your record--the explanation in an employment application is that the job was temporary and the contract ended.
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Default Dec 10, 2020 at 07:15 AM
  #5
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Originally Posted by TunedOut View Post
IMO, given all that you are dealing with, try not to worry about 2022 right now. Since you are unemployed, have you checked out your Obama care options (perhaps there is a low cost plan available) for 2021? I am guessing that we are in open enrollment still plus, when your insurance ends--you are automatically in an open enrollment period for about two months no matter what time of year it is. Also, what is the penalty for having a break in your healthcare coverage. When we used to have an Obama care penalty--I found it cheaper to pay the penalty than to have insurance because the penalty was based on our income (a certain percent of our income and if we didn't have coverage for 3 months, we would only pay 3/12s of the penalty). Getting a $60. an hour job can solve a lot of problems. I have experience with this because my husband is also in the IT field (pays well) but has been doing mostly contract jobs for more than a decade. We have been go from making it just fine to pauper status for decades--it is stressful but you adjust. We save money when times are good to get through the bad times. I also have mostly had contract jobs for more than a decade but mine never pay as well as my husbands. Contract jobs ARE less stressful--usually, they can't make you work overtime unless they pay you time and a half so, when overtime is required--contracters make great money! There is one job I have been doing every Spring that I love and I find that the fact that I doesn't last all year makes it seem fresh and less boring--about the time it is feeling a bit routine, the season is over. With contract jobs, if you are unhappy with someone you are working with--you know it will not last forever, you can just walk away when the contract ends and their is no black mark on your record--the explanation in an employment application is that the job was temporary and the contract ended.
Thanks @TunedOut!

I do need continuous health insurance coverage no matter what in order to cover my medications and my individual therapy. So, that will have to be worked out somehow.

I have done contract work in the past, and you are correct in that it does allow a certain freedom from all the BS that can go on.

Thanks for your input!

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Default Dec 10, 2020 at 06:10 PM
  #6
Well, I threw my hat into the ring! Now it's up to the company to decide if they wish to interview me.

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