ANA Discussion Forum
General Category => AN Issues => Topic started by: Pooter on August 20, 2008, 08:59:22 pm
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Everyone,
As luck would have it, I'm looking around for a new job. I haven't lost the one I have (yet) but things don't look great. We've gone from 250 employees and on top of the world to 120 employees and rumors are rampant. Insurance aside (and we just had renewal meeting today, switches providers and the new one STINKS to high heaven), do I tell any potential new employee about my AN experience? I mean, it's hard to miss my bad a$$ scar on my head and it's hard to miss my periodic slur due to still having some facial weakness. Do I tell them like "I'm fine now, BUT you should know.." or what? It affects their rates for medical to some degree (although I'm not sure how much they'll know that). I got a call from someone in HR at a big company that's looking and I returned a msg (making sure that I "sound" as normal as possible), but haven't actually talked to that person yet. I'm stuck in deciding if I offer up any (and what) information when we speak. I don't think it directly affects my job or my ability to perform it, but there's gonna come a time that it will affect my job in that I'll still have follow-up appointments, MRI's, etc..
Hopefully, this is the right place to put this.. What have you done? Or, what are your thoughts on it? I knew the day would come that this would affect my life in such a way that is confusing, but I didn't expect it so soon after surgery! I'm so confused.. HELP!
Brian
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tough times,being that you have a pre existing medical condition chances are you wont be covered by a new insurance company for a year,or so i have heard.
being that the company you are with now allowed you to come back with a pre existing medical condition you might be overlooked for a lay-off,not sure though,but they did allow you to come back knowing your situation,might be a good time to get sick,has your dr. fully released you to return to work at full capacity ?
you might want to contact somebody and find out your options,being you had brain surgery headaches tend to come to mind.
if you tell the new company your situation you might not get the job as you might be looked at as a risk,as in costing the company money.
really tough decision pooter.
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Hi,
I'm a newbie, and my employer had me go to my regular doctor and have a physical saying that I was "still able to perform my duties" when they found out I was dx with an AN. I work in health care (nursing home) and the physical could have been done at my facility but was asked to go to my own doctor.
I worried about my current job but I took out an FMLA intermittent and plan to keep rolling it over because I know that I am projected. I'm on the watch and wait, I go to Boston on Wed for another MRI.
Do you tell you employee new or old? I say it is a tough call, but if you are now fine with a few set backs from the past, then I say no.
good luck,
LisaP.
The company I work for is also a "catholic facility", go figure!!! ::)
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Wowser, tough decision...If only everyone had an employer like mine...he is great and very supportive...and we are open for new members, but ya gotta be living in ontario.... ;)
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Hey Pooter,
Provided you would be able to function completely at the new job, I would say nothing. Your surgery is behind you, and you do not have a tumor in your head. Your slight slur (if indeed it is noticed) might be attributable to a lot of conditions. I have been in the position of interviewing candidates and really, would consider that to be extraneous information so long as the job can be performed. Concentrate on selling yourself and proving that you are the best candidate, and leave the AN business for another day, if ever (hopefully not, eh?)
Best wishes!
Tammy
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OH, my Pooter! Oy! To me... focus in any interviews regarding the skills and experience you bring forth... that, to me, is the key. Focus on strengths as you would in any job interviews... and once you are hired, you are buying the drinks.
To me, no one is to judge you on physical (as we know, in the States, its against the law, anyway)... and regardless if there is a slight slur or whatever.... you are to be looked at for what you can bring to the table.... personally, I would hold off noting anything, as you are into "wellness" now and the surgery is a done-deal.
BTW, LisaP, I'll be in Boston on Monday for my CK follow up... sorry I'll miss you in town.. we coulda done lunch!
Phyl
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Brian-
Boy, when it rains, it pours, huh?
Well, my vote would be NOT to tell a prospective employer - they don't need to know. Also, this is not the kind of medical condition that requires extensive periods away from work for treatments - at the worst, you are talking about occasional trips to the doctor.
My understanding with group health insurance is that if you go directly from one group plan to another, without a break in coverage, you are okay. However, I would check with your state's insurance commissioner to verify that.
Really sorry that you are having to deal with this now, on top of everything else this year!
Debbi
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Hi Pooter,
There was another thread on this topic a while back, with mixed opinoions, you should be able to find it with SEARCH.
I have to agree with the other posts above, I wouldn't mention it. In the resume and interview process sometimes people are looking for a reason to exclude people to narrow down a list of applicants. This is normally a competitive process, and I wouldn't give them any reason to exclude me if I can do the job. Think of it from the perspective of other situations. If you where a single mother, would you mention that you have three kids. If your where older than the average person in this tyoe of position, would you mention your age? Bringing these things up, which really don't have anything with whether you can do the job well, could potentially be used to exclude a person for further consideration by a less than enlightened interviewer.
If you qualify for the job, and do not need special accomodations to do the job, then there would be no reason to bring up your medical history. If there was some special accomodation that you needed, that would be a surprise to the employer after hiring you, then perhaps that should come out earlier.
Good luck in your interview. Go in there with piratude!
Regards,
Rob
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Pooter -
Phyl mentions you'll buy the drinks, so I say go for the new job! :D
Seriously, as others said, it's a tough call. IMO if your "new normal" has no impact on your ability to do the job, don't mention it. However, at some point I'd ask about insurance benefits (maybe at the 2nd interview) since you want to make sure you have them. I think the insurance laws allow for portability these days, but there is probably a waiting period on pre-existing conditions and you don't want to leave yourself without coverage. So, as Debbi suggested, I'd check into the insurance laws.
Other than that, all I can say is good luck; knock 'em dead. ;)
Jan
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Pooter~
What a tough call?? I agree with all the advice you have already received so I will just sit back & say a few prayers for you...OK?
K
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Brian,
I have no intention of mentioning my AN to a future employer, should I go job hunting one day. It is history now, just like the time you feel and skinned your knee as a kid. It is still relevant on a medical history form at a doctor's office, but that is it.
Any larger employer will have group insurance, and not be affected by your need for additional follow up MRIs, etc. That just gets averaged in to the overall cost of group insurance anyway. Statistically they are already paying for "1 AN patient per 100,000 per year"; no reason you can't be the one. For a small business of 10, it might be a different situation; they don't always have access to true group insurance programs.
I would just make sure that you maintain insurance coverage every single day, even if you have to pay for it yourself in the gap. That seems to be the most important thing in avoiding "pre-existing condition" issues.
Meanwhile, good luck on the job hunting!
Steve
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Brian:
Fortunately, because I'm inherently lazy and quite busy today, all the good responses have been given so all I need to do is agree. I liked Steve's assessment of the situation. Checking for continuous medical insurance coverage on the prospective new job is certainly a must. Telling an interviewer about your AN is not.
I also think that following up a lead on a new job is very prudent. Your company sounds as if it's circling the drain and you don't want to get sucked down with it. Besides, it's a lot better to job-hunt from the position of being employed than being another guy with no job looking for work. Been there, done that, hated it and often took sub-standard jobs just to make a salary and pay the bills. Receiving a job offer while working in a position I thought might be eliminated soon was downright exhilarating and placed me a much better position to negotiate for a better deal. I heartily advise following up on this job feeler and not mentioning your AN.
Jim
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Wow.. I didn't expect so many responses so soon. So, the general consensus is that I shouldn't offer up any mention of the AN experience and should look to be sure that I'm covered insurance with the AN follow-up (currently scheduled for November) and any MRI's, etc.. that might come up in the next year. I also need to be certain that I have some kind of coverage if I leave for another position. There tends to be a "waiting period" when one starts with a new company. Perhaps a negotiating point to have coverage from the start? I'm not gonna NOT look for another position just because of insurance, but it certainly helps that it's there in case something weird (what else "weird" can go wrong, eh?) comes up..
Thanks for your opinion on it! I will almost definitely need it soon.
And, Debbi, you are right.. when it rains, it pours.
And, Jan, I'll "buy" drinks but only on the private ANA Leer new job or not. :*P
Brian
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Hey Brian,
I would not say anything. It doesn't affect the way you do your job, nor who you are. If anyone asks about the scar I would just say that I got into a fight and the other guy lost. 8)
Marci
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Brain,
Sorry i can't add to this as things work differently than in Canada, but i really hope that you get a great job that you love and that the company takes good care of you!
Glad to hear your are recovering well!
Best wishes,
Trish
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Hey Brian,
I'm weighing in with the others on the "don't ask, don't tell" plan. If you currently have what's called a "cafeteria" plan for health coverage and you have been consistently enrolled, a new company just adds you to their plan. So-o-o-o-o, be your charming best and dazzle them w/ BS!
Drinks sound good. Then ALL of us would have an excuse for slurring our words. :D
Maggie
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Thanks Marci, Trish and Maggie!
Unfortunately, I am officially looking now. We all got served a memo from the owners that said between tomorrow and October 31 that everyone would eventually lose their position and the company would cease to exist. I talked to one of the owners after the memo went out (he's my direct boss anyhow) and he realizes that it stinks for all of us, but the company lost $200,000 last month and it "will be worse this month" (his words). The owners haven't taken a paycheck since earlier this year, and last year they took a paycheck 3 times. Granted, he's the owner and so was making good money prior to that and able to go without a paycheck with relative ease. But, I'm officially in the market.
It's just shocking how quickly it went. When I left in May we were on top of the world, making money hand over fist (we grossed 1.5 million in May!) and today we're told we're shutting the doors. It's AMAZING where we are now. Now, we all have to go out and find new jobs at a time when the economy in general is really down. Ugh! Perhaps I'll use this to get back to Austin or San Antonio (or somewhere in between) since I have family and friends (and Jenni has family) in Austin.
Maybe I can coax the ANA Leer from Phyl to get around...it comes with everything paid already right? ;)
This stinks!
Brian
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Hi Brian,
Bummer about having to look for a new job...
I believe that your AN should remain private... It will not affect your new employer..no work will be lost in time because of it...it is finished...kaput...no more...all gone..bye bye...There was another thread about this as well.
Although I was in a different situation as I was staying in my current position, I still wrestled with what to say. After my surgery, I know I avoided the words "brain tumor" at all costs with those I worked with. People add their own interpretation to words. After the fact, when I was out recuperating for five weeks, I told work colleagues I had surgery on my inner ear. Nobody made a judgment with those words. I work in a large suburban school district and like other places, "rumors" run rampant.
I believe that it is your own personal business and the words "brain tumor" etc.... illicit a connotation associated with them that brings out "fear".
As a matter of fact with privacy laws, I don't even think an employer has the right to ask you what your condition is...You just need a return to work letter.
All of this is to say is keep "mum". If ever asked about your scar, you can find a way that is comfortable for you as I did for me. Ironically, now seven years later, I have talked about it to some, but still avoid the term "brain tumor" and have used "benign tumor in my inner ear".
Kate
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oh, my Pooter! I'm sorry to hear this news and sounds like ownership did all they could to make sure you all were set and didn't even take payroll for themselves.
*hands Pooter 1st class plaine tix boarding pass for Mod Leer Jet*
Hang in there.... I know after Labor Day, the interviewing process should be good... hang tough.
Phyl
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Hey Brian,
That kinda sucks. But, look at it as opportunity anyway. You're next job will be a better one, and maybe in a better choice of city. Although as already said, I wouldn't go into medical details about the AN, your experience this summer proves that "when the going gets tough, Brian gets going." What you have been through and survived already will make getting a new job look like a piece of cake, and you will make somebody an outstanding new employee who can get it done when it needs doing.
Best wishes in your new job. ;)
Steve
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Hi Brian :
I can't answer that for you , but when I have a question I always try to go with my initial gut reaction. The simple fact that you are asking if you should tell them might indicate that you shouldn't (does that make sense?)
The one question I do have for you and others with jobs and insurance. Is an AN considered a pre-existing condition if it returns?
Best wishes to you with your job search. The economy has to get better soon!
Kimberly
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Ah, Brian, that sucks. I am so sorry that you are having to deal with a job upheaval right now. It is hard enough going through a layoff when you are at your very best - let alone 3 months after brain surgery. On the flip side - you HAVE survived brain surgery and that should give you a pretty high level of confidence as you venture into the job market. I wish I had some contacts for you in TX.
Let us know how we can help.
Debbi
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Brian,
Seems like the company fell apart after you left. What does that tell you? :o
I know you will find another job and a better job. A new opportunity, and a fresh start sounds pretty good right now. Go get 'em Brian.
Marci
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Hi Pooter,
Sorry to hear about the company collapsing. I worked in the Oil business (Awl Bidness) in Dallas Texas in the late 80's. The price of Oil, believe it or not, was stuck at $12 a barrel. And ARCO went from 50,000 employees down to 5,000 in a series of layoffs, and was then bought by BP. Layoffs are not fun, but in a perverse way they can give more self confidence that you can weather the storm and come out stronger. After having a brain tumor, my guess is that this doesn't seem as important as it once might have. :)
Good luck in the job search. You know we're all chearing you on.
Regards,
Rob
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Brian:
I just wanted to express my disappointment at learning of your impending job loss. Not much comfort, but I think you sensed this was coming, so it can't be a total shock...but it's still a hassle.
As someone who spent many years in a very volatile business (radio broadcasting) where the term 'job security' was unheard of, I know the feelings of anxiety and frustration that come with having the rug pulled out from under you. And it's always at the worst time. I probably held at least 10 radio jobs in 25 years and lost some due to managements idiotic programming decisions, mercurial audiences, ferocious competition and hopeless executives/owners that didn't have a clue about how to run a profitable radio station and deal with the vicissitudes of an audience with many choices vying for their ears and their time. The owners/executives all thought they were way smarter than guys like me who 'just talked' for a living. Besides, they drove a Cadillac DeVille. I drove a Chevy Camaro. Most were wannabe disc jockeys who didn't have the talent to succeed in that profession so they went into sales, did well, then bought or invested in a radio station and drove it into the ground with their lack of business acumen, eventually putting dozens of hard-working people in a financial bind. The 'glamor' of show business. Bah! But I digress.
Brian, judging from your narrative, it seems as if your employers are decent folks and did the best they could but just couldn't make it work any longer, probably due to forces beyond their control. It happens. Still, you have to look to your future. I have no advice except the advice I used to follow: go where the work is. Don't be afraid of new challenges and be determined to come out of this in better shape than you started. We're all rooting for you, Brian. I know you'll be O.K. After all, you survived your AN experience rather well and I know you'll survive this momentary set-back. :)
Jim
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Hey Brian
Since this has pretty much turned into a poll, I'll add my don't lie if asked, but don't offer anything. It was something that happened in your past.
Meanwhile, I am very sorry to hear about the job situation. I don't have any advice other than, how are your acting skills? I have some excellent contacts. Of course, we may be headed for a strike so that might not work out.
Best wishes on your job hunting
David
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Brian,
I am so sorry to hear about your job situation. It sucks in that you are just recovering from the stress of surgery and now you have to deal with the stress of job hunting.
But I did want to add that if you do extend your job search to San Antonio that you have a fellow ANer that will welcome you back to our wonderful city. I can refer you to some wonderful docs for follow-up care.
Good luck with the job search, you are in my thoughts and prayers.
Julie
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Ok, I've been all-but-absent from the forum (even though I've been looking, I haven't been posting much) and I'm sorry for that. Julie, I haven't limited my search to Houston. I've been looking in Austin, New Braunfels and San Antonio as well. If ya hear of something in the IT Management arena, let me know.
Thanks to all who've expressed their opinions and thoughts on it. I take them all to heart deeply. Even though it does stink having to deal with still healing from the AN surgery, I'm hopeful that I'll find something soon. I haven't lost my job (yet), but if ya keep reading it gets better.
Today, they let go of someone who had been there since we opened the doors (13 years ago). That was very telling and shocking at the same time. Shocker #1.
Tonight, I talked to one of the owner's wife (I told ya we were a small family-oriented company). She let me know that my only co-worker would come over to their house to finally fix some things up technically over there. (Keep in mind that he just spent the night in the ER with his wife because she has what we now know are cysts/tumors on her only working ovary) And, to top it off, I will likely have to let him go after he gets back. Shocker #2.
She also told me, because "I would hear anyhow", that their shutting the company down in most respects tomorrow and letting many people go tomorrow. Shocker #3.
To top it all off, she tells me that the owner (her husband) had just got off the phone with our biggest customer and the attorney's for both companies and likely we will let most people go tomorrow and only a few people will stick around to tie things off / clean up and we're shutting the doors. So, what started out as shutting down October 31 has turned into September 15. Shocker #4.
Needless to say, it's been a LOOOOONG day. I have several leads (both in the area and in Austin). So, hopefully one of them will pan out soon. Keep me in your prayers and thoughts during this extremely trying time.
Thanks!
Brian
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HI,
Now I live in Colorado but you should be covered by a preexisting condition as long as you have continuous coverage. You should know and so should everyone. DO NOT LET COVERAGE LAPSE if you can because then the don't have to cover pre existing conditions. If your problems do not affect your job you don't have to say a word. Granted this is the law in Colorado but I think that is true everywhere.
Sending Sunshine
Robyn
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Brian~
What a CRAPPY day!! I don't usually write stuff like that, but that is just what it was!! I have been praying so hard for you then I kind of slacked off (sick girly, school starting) so I will get back on that!!!
K
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Brian,
I couldn't agree more with Kay - this was a LONG and CRAPPY day for you!
I hope you find a job you love, in a place you love that pays a lot more money than this one! And a little more job security would be good too, huh? I just keep hearing of so many people getting laid off lately. It's scary. You just never know.
Fortunately for me, I'm quite secure in my position here (Mom) and don't anticipate being laid off anytime soon. The hours are a little rough and I would really like a day off, but, I guess I shouldn't complain. ;)
I have my fingers crossed for you.
Lori
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Brian -
add me to the list with Kay and Lori - I too think this is really crappy :( I would say sh*tty, but you know I'd be censored!
Anyway, sorry to hear things aren't looking good; wish I had a job to give you. Hang in there and know that lots of us are praying for you.
Jan
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My husband has been in technical recruiting/staffing for 35 years and his response is as follows:
Interview and do your best to get the job offer with no reason to bring up your AN unless asked; don't lie. Upon receiving an offer that is attractive to you you will be asked to take a company drug screen and physical. When you do this the AN will be part of your medical history and determinations will be made then. As for health insurance he would suggest putting in for COBRA so that you maintain your health insurance (though you will have to pay for it) until you secure new employment and health insurance with them.
Hope this helps. Feel free to PM me if you want to talk with him.
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Hey Brian,
Somehow missed seeing this thread til now...others here, as usual, have given you better advice than I could, but I did want to say how sorry I am to hear about the job loss. Guess it's never a good time, but it must seem especially hard after all you've been through.
Take care...how are you otherwise?
Cindy
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Hi Brian,
Just checking in to see how you are doing. Any news on jobs or options? My heart goes out to you as face having to make difficult decisions. Keep us posted. We are rooting for you!
Maggie
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Thanks for all the advice and for asking about me. I'm doing well. I'm not 100% back to what I was before the surgery, but I'm durn close to it. I still have a little facial weakness and I still have that "bobbing" feeling when I walk. But, in most respects things are back to "normal" and I shouldn't complain too much. I've been driving and back to work (for however long it lasts; latest is 2 weeks but it likely will be less) for over a month now putting in full or more than full days. All told, if it doesn't get any better medically, then I can live with it; but I'd still like to be 100% again. Time will tell.
The job hunt continues. I have had 3 conversations with a company in Houston (actually Deer Park, but a suburb of Houston) all the way up to the CIO in Atlanta, GA. The next steps are a face-to-face the next time he's in Houston. That can't come fast enough for me. I've also talked to an HR Manager for a company in Austin and it sounds somewhat promising. Although, I thing the job in Deer Park is more appealing from a job content and monetary point of view. I'm still looking and applying for jobs both here in Houston and outside of Houston (San Antonio, New Braunfels, and Austin) to see what comes of them.
Thanks for letting me vent a little (okay, a lot) about non-AN stuff. It just puts a different spin on things given that I'm not 100% and just had AN surgery 4 months ago. You guys can mostly understand that part. I wisih I could be out before all the "clean up" work that will have to be done, but that's less and less likely. We're now down to about 30 people (from 250 4 months ago). So, I am very likely there til the very end. I was told by one of the owners that it's possible they will come to me and ask that my salary be reduced before the very end. Talk about adding insult to injury. *sigh* What really stinks is that I really like this guy. He goes to the same church. We exchange hand shakes (men) and hugs (men and the others' wife) when we see each other at church. I totally empathize with the situation he's in, but that's not going to pay the bills. So, I'm very stuck what to do if something comes available.
It all will work out one way or another. It just stinks along the way. I hate that.
Probably more than you wanted to know. But, there it is.. Many of you deal with your own issues both AN-related and non-AN related. You definitely are admired by myself for the things you each go through each day.
Regards,
Brian
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Brian -
thanks for the update on your job situation, and please don't ever hesitate to discuss non-AN aspects of your life if you are comfortable doing so. We're so much like family here, I personally wouldn't want it any other way.
I think if a job becomes available and you take it before your company is ready to let you go, the owner will understand. Afterall, you have to support yourself and your family.
As for the pay cut, I don't have any experience with that, but I think that logically that means you can't file for unemployment. So if the owner wants to give you a pay cut, you might want to see if you'd be better off financially applying for unemployment - depending on the amount of the pay cut, employment might actually pay you more. I'm not sure; but it's something to consider.
As you say, things will work out one way or another.
Keep the faith,
Jan
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Brian~
Thanks for the update - I was wondering...I believe that ALL things happen for a reason, we just have to look for it. I know that sometimes that is not an easy task - especially at the time. I'm still praying!
Keep the faith,
K
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Hey Brian-
Well, haven't you had enough cr*p this year? I am really sorry to read that your employer seems to be circling the drain so quickly. I will keep fingers crossed that one of your other options comes to fruition soon - and would echo what Jan said in that your current employer has to understand that you have to support yourself - even if that means leaving before they are ready for you to go.
You will be in my thoughts - and prayers. Keep us posted.
Debbi
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Hi Brian,
Apparently everything in Texas is bigger, including the piles of cr*p. :)
If you talk to the CIO and he offers you the job in Deer Park, take it. Maybe you can work something out that eases the transition, maybe not, but you have to put your family first. In fact your potential new employer has to come second, since that will be your livelihood, so you're former employer has to come in third. If it works out, you can try to make the transition as smooth as possible for him, but not at the risk of your own future.
I hope you land something soon, and that it goes as well as can be expected for this kind of shake up. I also hope you hold up well through the process, I'm sure it wears you down worrying about it all. Try to take care of yourself at the same time.
Steve
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Hi Brian, I don't usually venture out of the Post-Treatment forums, but your post caught my eye. I'm sorry you are having employment difficulties. That's really stressful. Your comments about a potential pay cut reminded me of something that happened to me years ago when I worked for a St. Louis architectural developer as a planner. At my annual performance review I requested a pay increase based on the fact that I was one of only two income-producers in our unit, and had brought in additional accounts during the prior year. Because I was a single mother in a relatively tight job market the principals of the firm thought I was at their mercy, and denied the raise. However, I had in my back pocket a job offer from an old friend in Jefferson City, and later that day I submitted my resignation. A few weeks later a friend back at the St. Louis firm told me they had to hire two people to take my place . . . so much for saving money! Within six months everyone at the firm was at half pay, and within a year the firm closed.
I like to think it was all because they refused their star employee a well-deserved raise, but had I stayed I would have been in the same mess that everyone else was. It was a real turning point in my life, because it ultimately led to my meeting and marrying my wonderful husband and having two more children.
I pray that your situation turns out well for your family, Brian. My husband works in the IT field as CIO for a medical group. It's a great field where you can use your skills in many different industries.
Sara
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This is way off AN business but I am curious about various states standard of living. I recently read an article in USA Today about a family who moved to Texas from Calif to have a better standard of living. They did pay less for a home, I think in close to 300,000 range(maybe a little more but don't think so) but they are paying $7,000 to $8,000 a year for propery taxes and that just floored me. We pay here $1600 a year for a 3 bedroom ranch and on 7 acres. We are around 35 mi from Des Moines.
DM is very big on insurance companies and know IT is becoming bigger and Microsoft is coming also.
Every state does have various ways of making people pay more but that really surprised me.
Cheryl R
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Pooter,
I haven't read all 4 pages, so someone might have already said this. That being said...it's my understanding that normally as long as you don't have a lapse in insurance coverage of 60 or 62 days or more, there should not be any problems of excluding a 'pre-existing condition'. Also, what I did when I changed jobs last year is I went on COBRA to keep my exisiting insurance for the 3 months before my new employer would allow me to be covered by their insurance. It was a bit expensive, but I would do it again in a heart beat. I would find out what insurance company they have and either ask their HR or call the insurance company to find out exactly what their rule is.
And, no - I don't think I would tell the new employer either. So what if you have to have an occasional MRI or a dr. visit. No different than doing either of these for another excuse.
cathy
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Cheryl,
Yes, property taxes in Texas are on the high side. We pay property taxes plus MUD taxes for our home. (Some developers include the MUD taxes in the final price you pay) If it isn't paid by the developer you can either pay it allup from or pay by the year. The amount goes down each year and goes down even more if more homes are built in the subdivision. It comes to around $5800. We get a lot more for the money per square foot here than in other states. We also do not have a state income tax. Our property taxes include county taxes, community college taxes, school taxes, road tax and a bunch of other taxes all rolled into one. I have lived in many, many other states and I wouldn't trade living in any other state even if the taxes were doubled next year! Texas has a lot to offer and the people are wonderful.
Brenda
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WHOO-HOO for TEXAS!!!! ;D ;D ;D A Texas girl through and through!!
K
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HI
I am a nurse and worked for an insurance company. Your future employer does NOT need to know about your health. I agree with Steve's (#10) post. Most employers will have group insurance and you won't need to do anything. Absolutely DO continue your coverage (you can elect COBRA for 18 months--you pay but you're covered). If there is a gap in coverage, that is when the pre existing condition stuff kicks in. If you end up with a small group (the definition varies but often <50 employees) you may need to fill out something which details your medical history. Then, it will be up to the insurance company and the employer to cover or exclude you--often exclusions are for 6 months to a year.
Good luck and keep that insurance!!
Polly
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Hi Brian.
I would just answer any questions honestly and rely on your expertise. Bit I would check Monster.Com and CareerBuilder.com first. Both have some good stuff on disablilities and answering probing questions. Best wishes, anthony.