Reply to Why does no one acknowledge how overworked teachers are?

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[quote=Anonymous][quote=Anonymous]This is not a good solution.  If schools end the health care coverage, then teachers would need to find some other health care coverage for the summer months.  For teachers or dependents who have special circumstances,  if they lost health coverage, when they resumed health coverage in the fall, they or one of their dependents might no longer qualify.  When you transition from one health care to another, the new insurer has to accept any preexisting conditions.  If you stop and restart the health care coverage, then they do not have to accept preexisting conditions.  So, then, if teachers did not have alternative coverage, for example a spouse that had health care coverage AND that the ending of benefits for a seasonal position was considered a qualifying event to change outside of enrollment period, then they would need to find an start a ACA covered insurance plan that could provide coverage for the 2 month interruption of coverage.  This is a horrible idea for many.

Alternatively, if you had teachers paid for 10 months and not paid for two months, then how would you collect the outstanding premiums for the remaining two months of the summer break.  You are saying that the school district would forgot the school systems contribution.  So you are saying that these teachers would not have the option to get paid for 10 months, that they would have to be prorated to be paid over 12 months so that the premiums could still be withdrawn?  Or they would have ten months of premiums that were charged at one rate and two months of premiums at a second higher rate that would be deducted during the ten months of the school year.  But then, what would happen if a teacher left employment at the end of the school year?  Would the higher deduction rate of the summer months be reimbursed to them?  What if they left in the middle of the school year?  How would those prorated higher rate premiums be reimbursed to them when they left?

Trying to account for 10 months of premiums at one rate and two months of premiums at a different rate, and distributed over 10 months/22 pay periods and still not overcharge employees when they leave employment would be an accounting nightmare.[/quote]

School districts would just have to withhold more from each teacher's pay check for their summer pay, to account for the extra, say, $800 they wouldn't pay over the summer pay periods (as per my example earlier)

So ...22 pay periods paid and 4 pay periods not paid (paid out of summer fund).   Divide the extra $800 employer portion of insurance benefit by 22 pay periods = withhold another $36/2 week pay period from the teacher salary to pay their insurance premium over the 4 pay periods when they are not working in the summer.

NO ONE would do this though, because it is a nonsense issue.  No one is seriously upset because teachers get employer contributions to their health care benefits over the summer months.  They may be upset that teachers don't have to work over the summer months at all, but they really aren't worried about who is paying teacher health care premiums.[/quote]

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