Love the Teachers But Don’t Want to Pay

[Anonymous]

how can you say you love the teachers and support them all throughout the year, but once adversity hits your school you quibble over a few hundred dollars to ensure they get paid? I understand if someone is in true financial distress, but if you are still working, how can you do that?

[Anonymous]

I'm still paying but I understand the viewpoint. You are paying for a service you aren't receiving and the virus may bring about a lot of financial stress even for those who remain employed.

I am working 12-14 hour days with 3 kids at home to support the support staff in my small office. I'm also paying tuition for a closed daycare. This isn't financial hardship but it also isn't sustainable.

[Anonymous]

Anonymous wrote:how can you say you love the teachers and support them all throughout the year, but once adversity hits your school you quibble over a few hundred dollars to ensure they get paid? I understand if someone is in true financial distress, but if you are still working, how can you do that?

You don’t know everyones situation and it is way more than a few hundred dollars it’s more like 12k for the remainder of the year sweetheart fir 2 kids

[Anonymous]

A few hundred dollars? It's thousands. Also, I think schools should be giving a reduced rate. Think of all the lunches they aren't providing, electricity costs they no longer have and activity fees for projects that aren't happening.

Also, are preschool teachers facetiminging or sending video chats? My kids miss their "teachers" and wish they could talk to them.

But I am paying in full. I'm still being paid, but I am working full time teleworking.

[Anonymous]

I love and support my son’s daycare teachers. I stopped paying them when he went to K. It is the same thing to me - I value and respect the job they do, but when they aren’t doing it, I am less inclined to pay them. Especially when it’s an expense equivalent to my mortgage.

[Anonymous]

Put your self in the position of someone who, when they lose their job, their clients will not keep paying them out of the goodness of their hearts. Then ask that person to pay you even though your services are no longer rendered. It's awkward.

People may still be working now, bu for how long?

[Anonymous]

What you're not recognizing is that these schools all have business interruption insurance policies.

Now, I'm not sure if those policies cover pandemics, but according to my dad, who has been an insurance lawyer for 35 years, many of them do.

So before we pay full tuition for a service that isn't being rendered, we need an understanding of whether our preschool's insurance policy and/or cash reserves cover salaries. If they do, we shouldn't have to pay tuition. If they don't, then I understand having to pay it.

[Anonymous]

Anonymous wrote:What you're not recognizing is that these schools all have business interruption insurance policies.

Now, I'm not sure if those policies cover pandemics, but according to my dad, who has been an insurance lawyer for 35 years, many of them do.

So before we pay full tuition for a service that isn't being rendered, we need an understanding of whether our preschool's insurance policy and/or cash reserves cover salaries. If they do, we shouldn't have to pay tuition. If they don't, then I understand having to pay it.

They don’t cover pandemics so your opinion is moot.

[Anonymous]

My sister works in a pre-K and if the additional $600/wk in unemployment is true than she’ll be better off getting laid off. Her school is trying to use tuition to continue to pay them, which is nice but I don’t think sustainable.

[Anonymous]

Anonymous wrote:My sister works in a pre-K and if the additional $600/wk in unemployment is true than she’ll be better off getting laid off. Her school is trying to use tuition to continue to pay them, which is nice but I don’t think sustainable.

That depends on a lot of factors. In another thread, it was established that churches don’t pay unemployment insurance so Church daycare employees can’t collect unemployment if they are laid off

[Anonymous]

Anonymous wrote:I'm still paying but I understand the viewpoint. You are paying for a service you aren't receiving and the virus may bring about a lot of financial stress even for those who remain employed.

I am working 12-14 hour days with 3 kids at home to support the support staff in my small office. I'm also paying tuition for a closed daycare. This isn't financial hardship but it also isn't sustainable.

You are making the same salary. How is that financial stress?
Working longer hours at home with 3 kids around is emotional stress, not financial.

[Anonymous]

Anonymous wrote:

Anonymous wrote:What you're not recognizing is that these schools all have business interruption insurance policies.

Now, I'm not sure if those policies cover pandemics, but according to my dad, who has been an insurance lawyer for 35 years, many of them do.

So before we pay full tuition for a service that isn't being rendered, we need an understanding of whether our preschool's insurance policy and/or cash reserves cover salaries. If they do, we shouldn't have to pay tuition. If they don't, then I understand having to pay it.

They don’t cover pandemics so your opinion is moot.

Not true. Read this article: https://www.stroock.com/publication/will-business-interruption-insurance-provide-coverage-for-coronavirus-losses/

While many policies exclude pandemics, Lloyds developed specialty insurance that does. This is the relevant section:

Insurance Industry Response to Coronavirus

Standard business interruption policies typically include an endorsement excluding viruses and/or epidemics. However, in response to past epidemics, specialty insurance was developed to respond. For example, in October 2014, in response to the Ebola epidemic, specialty brokers in conjunction with the Ark Specialty Program of Lloyds of London offered a new type of coverage called “Pandemic Disease Business Interruption Insurance” to cover loss of income arising from government mandated closure of healthcare facilities and diminished revenue in the aftermath of a quarantine.[22]

The insurance industry is responding to the coronavirus epidemic. In early February 2020, ISO developed two new endorsement forms — “Business Interruption: Limited Coverage for Certain Civil Authority Orders Relating to Coronavirus” and “Business Interruption: Limited Coverage for Certain Civil Authority Orders Relating to Coronavirus (Including Orders Restricting Some Modes of Public Transportation).”[23] These forms provide coverage for actual loss of business income and extra expenses caused by a government order closing the insured’s premises or quarantining all or part of the premises and from government suspension of some modes of public transportation. If dependent properties are included in the coverage, such as a supplier’s or customer’s premises, then the coverage applies to the dependent property as well. Note, the forms were not filed with any states and are not being added to ISO’s form portfolio.[24]

So it's fair to ask a childcare center whether they have such coverage.

[Anonymous]

It's $1400 a mont for me for one kid. And more for the baby. I'm currently paying 1/2 tuition while they're closed because I want them to be there when this is over and my kid going back.

[Anonymous]

I’m not pAying

[Anonymous]

Anonymous wrote:

Anonymous wrote:My sister works in a pre-K and if the additional $600/wk in unemployment is true than she’ll be better off getting laid off. Her school is trying to use tuition to continue to pay them, which is nice but I don’t think sustainable.

That depends on a lot of factors. In another thread, it was established that churches don’t pay unemployment insurance so Church daycare employees can’t collect unemployment if they are laid off

Some churches chose not to pay into unemployment insurance which was totally irresponsible.

Expecting parents to pay thousands of dollars for months on end while service is not being provided and while teachers could be collecting supplemented unemployment (in the vast majority of cases) is really crazy. Set up a donation fund that parents can choose to contribute to for the teachers that goes directly to them. If you as a business need donations, ask for them separately. Then at least families know where their money is going.