HerefordSire":61mdrdns said:
cattlepower":61mdrdns said:
On the farm it would just be me but he also owns a store with 9 or 10 employees. I don't know if he offers insurance to them or not.
Find out and get back before you act but I wouldn't ask your prospective employer...I would ask one of his other workers if they are covered and if so, a ballpark price of what prices are.
I respectfully disagree with this approach. Health insurance is an extremely important part of a job. Since you are married with three children and probably want your wife to be able to stay at home and care for the kids, I think you should have a straight talk with your prospective employer.
And if you can't have a straight talk with your prospective employer then you should not be working for him. Asking questions about insurance behind his back is sure to get back to him and just not the way to have a relationship of trust with a new employer.
It is really none of your business whether or not the employer provides insurance for his other employees or not. Focus on your needs and how you can help meet your employer's needs, IF he will help meet yours.
Tell him that insurance is very important to you and that you need insurance to take the job, even if you have to pay part of the premiums which most employees do these days.
Most of all, if you are taking a job which includes housing and relocating your family, it is not something you want to be doing very often. I would not take the job unless the prospective employer is a person you can talk to face to face and express your feelings and needs.
You don't say if you are working somewhere else now. If you are I would NOT quit your current job until you have a written offer from the new employer which includes insurance. And make sure your offer is in writing.
If the prospective employer refuses to supply group insurance or a written offer I would suggest you look elsewhere for a job.
Another approach is to get a price quote on family health insurance from say Farm Bureau and show the quote to your propective employer and ask if he will cover half of the premiums or something like that. However an employer sponsored group plan is almost always overall less expensive than an individual plan. You may be shocked to see the real cost of insurance for a family of 5 even with a high (1,000.?) annual family deductible.
Good employees like you are hard to find. If he wants you and he knows your needs, a good employer will try to help meet them, at least to meet you part way (copayment of premiums). I would not rush into this in your family situation. And don't let your family spend one hour without health insurance coverage of some sort.
Don't be in a rush, health insurance and moving your family is important. Good luck.