<br>My husband and I are going through this right now actually. We are planning on starting our own business by September this year, and currently are recieving health insurance through his work. We are going to be covered as a family (we have 3 kids) under our state's plan. And we are able to qualify for that without a waiting period because we will be having a status change (loss of job).We will be paying our own premium, which is based on householdincome. I don't know what state you live in, or what kind of coverage your state offers, just thought I'd let you know that might be an option for you. We are in Vermont.
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Owning a business?
- Thread starter sue35
- Start date
C
cindylou
Guest
Sue, I just said this over on the marriage thread, but definitely get in touch with Beth Sufian. I hate to say it, but there is no "easy" way to do all of this. It takes a lot of legwork and research. My hubby always wanted to own his own business too, and when we were engaged he had to sort of give up that dream for the foreseeable future.
Now, if the health care bill goes into full effect in 2014, then it should be MUCH easier for self-employed people with pre existing conditions to get coverage.
Now, if the health care bill goes into full effect in 2014, then it should be MUCH easier for self-employed people with pre existing conditions to get coverage.
C
cindylou
Guest
Sue, I just said this over on the marriage thread, but definitely get in touch with Beth Sufian. I hate to say it, but there is no "easy" way to do all of this. It takes a lot of legwork and research. My hubby always wanted to own his own business too, and when we were engaged he had to sort of give up that dream for the foreseeable future.
Now, if the health care bill goes into full effect in 2014, then it should be MUCH easier for self-employed people with pre existing conditions to get coverage.
Now, if the health care bill goes into full effect in 2014, then it should be MUCH easier for self-employed people with pre existing conditions to get coverage.
C
cindylou
Guest
Sue, I just said this over on the marriage thread, but definitely get in touch with Beth Sufian. I hate to say it, but there is no "easy" way to do all of this. It takes a lot of legwork and research. My hubby always wanted to own his own business too, and when we were engaged he had to sort of give up that dream for the foreseeable future.
<br />
<br />Now, if the health care bill goes into full effect in 2014, then it should be MUCH easier for self-employed people with pre existing conditions to get coverage.
<br />
<br />Now, if the health care bill goes into full effect in 2014, then it should be MUCH easier for self-employed people with pre existing conditions to get coverage.
<div class="FTQUOTE"><begin quote><i>Originally posted by: <b>julie</b></i>
The qualifications for SSDI are based on 3 things, your medical condition (meeting their medical criteria), your age at the time you are claiming your disability began, and your work history (do you have enought credits based on your age). SSDI does NOT take into consideration ANY income in the household other than YOURS.
SSI is based on 2 things, your medical condition (meeting their medical criteria, same as SSDI), and having a HOUSEHOLD income under a very low limit (we are talking lik $2,000 for a family of 3).
If you are on SSDI for 24 months, you can get medicare.
As far as him pursuing his own business, if he is going to be self insured, then the HIPPA laws about portability, pre-existing conditions and all that lovely stuff don't apply.
Hope that helps answer your questions. If you have more, feel free to email me, <a href="mailto:<A HREF="mailto:services@dafcf.org">services@dafcf.org</A>[/q"><A HREF="mailto:services@dafcf.org">services@dafcf.org</A>[/q</a>]
Good advice
The qualifications for SSDI are based on 3 things, your medical condition (meeting their medical criteria), your age at the time you are claiming your disability began, and your work history (do you have enought credits based on your age). SSDI does NOT take into consideration ANY income in the household other than YOURS.
SSI is based on 2 things, your medical condition (meeting their medical criteria, same as SSDI), and having a HOUSEHOLD income under a very low limit (we are talking lik $2,000 for a family of 3).
If you are on SSDI for 24 months, you can get medicare.
As far as him pursuing his own business, if he is going to be self insured, then the HIPPA laws about portability, pre-existing conditions and all that lovely stuff don't apply.
Hope that helps answer your questions. If you have more, feel free to email me, <a href="mailto:<A HREF="mailto:services@dafcf.org">services@dafcf.org</A>[/q"><A HREF="mailto:services@dafcf.org">services@dafcf.org</A>[/q</a>]
Good advice
<div class="FTQUOTE"><begin quote><i>Originally posted by: <b>julie</b></i>
The qualifications for SSDI are based on 3 things, your medical condition (meeting their medical criteria), your age at the time you are claiming your disability began, and your work history (do you have enought credits based on your age). SSDI does NOT take into consideration ANY income in the household other than YOURS.
SSI is based on 2 things, your medical condition (meeting their medical criteria, same as SSDI), and having a HOUSEHOLD income under a very low limit (we are talking lik $2,000 for a family of 3).
If you are on SSDI for 24 months, you can get medicare.
As far as him pursuing his own business, if he is going to be self insured, then the HIPPA laws about portability, pre-existing conditions and all that lovely stuff don't apply.
Hope that helps answer your questions. If you have more, feel free to email me, <a href="mailto:<A HREF="mailto:services@dafcf.org">services@dafcf.org</A>[/q"><A HREF="mailto:services@dafcf.org">services@dafcf.org</A>[/q</a>]
Good advice
The qualifications for SSDI are based on 3 things, your medical condition (meeting their medical criteria), your age at the time you are claiming your disability began, and your work history (do you have enought credits based on your age). SSDI does NOT take into consideration ANY income in the household other than YOURS.
SSI is based on 2 things, your medical condition (meeting their medical criteria, same as SSDI), and having a HOUSEHOLD income under a very low limit (we are talking lik $2,000 for a family of 3).
If you are on SSDI for 24 months, you can get medicare.
As far as him pursuing his own business, if he is going to be self insured, then the HIPPA laws about portability, pre-existing conditions and all that lovely stuff don't apply.
Hope that helps answer your questions. If you have more, feel free to email me, <a href="mailto:<A HREF="mailto:services@dafcf.org">services@dafcf.org</A>[/q"><A HREF="mailto:services@dafcf.org">services@dafcf.org</A>[/q</a>]
Good advice
<p><div class="FTQUOTE"><begin quote><i>Originally posted by: <b>julie</b></i>
The qualifications for SSDI are based on 3 things, your medical condition (meeting their medical criteria), your age at the time you are claiming your disability began, and your work history (do you have enought credits based on your age). SSDI does NOT take into consideration ANY income in the household other than YOURS.
SSI is based on 2 things, your medical condition (meeting their medical criteria, same as SSDI), and having a HOUSEHOLD income under a very low limit (we are talking lik $2,000 for a family of 3).
If you are on SSDI for 24 months, you can get medicare.
As far as him pursuing his own business, if he is going to be self insured, then the HIPPA laws about portability, pre-existing conditions and all that lovely stuff don't apply.
Hope that helps answer your questions. If you have more, feel free to email me, <a href="mailto:<A HREF="mailto:services@dafcf.org">services@dafcf.org</A>[/q"><A HREF="mailto:services@dafcf.org">services@dafcf.org</A>[/q</a>]
<p><p>Good advice
The qualifications for SSDI are based on 3 things, your medical condition (meeting their medical criteria), your age at the time you are claiming your disability began, and your work history (do you have enought credits based on your age). SSDI does NOT take into consideration ANY income in the household other than YOURS.
SSI is based on 2 things, your medical condition (meeting their medical criteria, same as SSDI), and having a HOUSEHOLD income under a very low limit (we are talking lik $2,000 for a family of 3).
If you are on SSDI for 24 months, you can get medicare.
As far as him pursuing his own business, if he is going to be self insured, then the HIPPA laws about portability, pre-existing conditions and all that lovely stuff don't apply.
Hope that helps answer your questions. If you have more, feel free to email me, <a href="mailto:<A HREF="mailto:services@dafcf.org">services@dafcf.org</A>[/q"><A HREF="mailto:services@dafcf.org">services@dafcf.org</A>[/q</a>]
<p><p>Good advice