<p>If your son maintains coverage, you may be able to reduce or even eliminate the pre-existing conditions clause with a letter of creditable coverage from either his insurer of the employee of the primary subscriber. However as a result of HIPAA, many employers have eliminated the pre-exisiting conditions clause.</p>
<p>[Accountemps</a> - Accounting Staffing Agency - Temporary Financial Staffing Services](<a href=“http://www.accountemps.com/]Accountemps”>http://www.accountemps.com/) Temping positions for Accountants</p>
<p>After watching a family member try to get permission to work and then get coverage in Canada - that’s not a plan…
This kid is even married to a Canadian citizen. You wouln’dt believe the hoops to jump through before Canada allows you to work and fit into normal society. For instance, car insurance required proving how long he had a license in the US. Since he had moved from state to state, there wasn’t one record. Suggestion from the Canadian folks “Call your automotive authorities and ask for a letter stating when you first got a licence” Um, yea, your local DMV is so into that…</p>
<p>Jesuit Volunteers Corps still exists. Pays a small stipend in addition to spartan living arrangements, I believe. But most young people who do a stint consider it valuable life experience and service to the community.</p>
<p>dragonmom, yes, it’s almost as difficult as what is required of Canadians who are moving to the U.S. and you don’t even get healthcare! ;)</p>
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Nationally, these positions have some of the lowest unemployment rates.</p>
<p>My kid doesn’t graduate (with a liberal arts degree) until next year, and I’m already worrying that he’ll be living in my basement and going to the local community college for an IT certificate. . .I just talked to a friend’s D who graduated with a biology degree last year. She is living with her parents and working at a warehouse–where she has worked summers since high school. I think it pays about $8/hr. She’s looking into grad schools. She was a NMF in high school.</p>
<p>Couple of points: 1) Your son should be able to continue with COBRA under your group plan once he is no longer a FT student; I believe COBRA can be extended for 36 months some disabling conditions. Yes, he’d have to pay 102% of the premium, but it continues GROUP coverage, and is good for at least 18 months.</p>
<p>2) As long as he maintains his status in GROUP coverage, he will NOT be subject to a pre-existing condition clause to enroll in a new employer’s GROUP coverage. </p>
<p>Note, the federal rules are different for group plans and individual plans. If he purchases an individual plan (assuming he can find one), and then tries to enroll in a new employer’s group plan, he would be subject to any pre-existing condition clauses, but that is not true if changing from a group plan to a group plan.</p>
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<p>That may be true for a while but it may not be true in the future. A researcher may require a number of support staff. Layoff one support staff you only lose that one person’s pay. Layoff a researcher you lose the highly paid researcher and the multitudes of supporting staff.</p>
<p>Bluebayou, thanks for the insurance info. That is a huge relief!</p>
<p>“I just talked to a friend’s D who graduated with a biology degree last year. She is living with her parents and working at a warehouse–where she has worked summers since high school. I think it pays about $8/hr. She’s looking into grad schools. She was a NMF in high school.”</p>
<p>I’ll graduate in May with a bio degree. I’m afraid this will be me :(</p>
<p>Listen to LongPrime. The market for scientists (at least chemists and biologists) is pretty grim, especially in big pharma. As long as companies like Pfizer keep chewing up companies and spitting out employees, it won’t get much better. (Get your CV’s ready, Wyeth!) The job market in India and China looks much better.</p>
<p>Thanks I guess, but I have zero intention of moving to India or China to get a job. Hopefully I don’t have to resort to something that drastic.</p>
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You are agreeing with me then. Being employed as an engineer is one of the safest career paths.</p>
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Biology majors have been overproduced for the last 10 years. A few minutes of research indicates it’s earning potential is not much different from most non-technical degrees. Her job situation should not be a surprise.</p>
<p>I think the lager problem occurs when recent grads can not find a job while their student loans come due. The late fees and penalties associated with private student loans rival the usury fees charged by credit card companies. It’s like a train wreck that hasn’t quite happened yet, but is also impossible to stop.</p>
<p>Mr Payne, not everyone can (or should) become an engineer. In addition, most engineers top out in salary after 10 years in the field unless they pursue an advanced degree.</p>
<p>toblin, no college graduate should be picky in this economy. I’m not saying college grads should apply for retail jobs but there are plenty of temporary office and technical jobs out there. Yes, these jobs are not permanent but they need every experience to stay competitive and pay back their student loans. It sucks to live with the parents, but it’s necessary in this climate. They will eventually get a full-time job.</p>
<p>My Dad graduated from UCBerkeley in '34. His first job was working for Shell Oil, pumping gas. But this led a few years down the road to working under Eisenhower and being responsible for oil shipments in France and Germany. After the war, his career path took a right turn away from oil, I guess what I am trying to say, is that you never know what you’re going get and a job is a job.</p>
<p>Don’t ever listen to me!</p>