Re: Comparing HMO benefits in Texas

[Guest guest]

n,

This year is the first time State of Texas employees were offered Long Term

Care insurance. We have to pay the insuance company ourselves innstead of

it being deducted from our pay check. Once we get it, the premium remains

the same. Active employees and retirees were guarenteed coverage if we got

it by 8-31-00. Coverage for dependents and parents required EOI.

>Bill: You are right about disability insurance and dependent insurance

>premiums. My reference to Long term Care was for so called " Nursing Home

>Insurance " .

> Grabner

>> >If a plan exists, you are right. Its a great way of getting first

dollar

>> >deductibility of medical costs (including medical insurance premiums but

>> not

>> >including Long Term Care insurance premiums). It sure beats having to

>>

>>

>> Dependent insurance also can not be paid for with pretax money (at least

>in

>> State of Texas employee plan

>>

>> If short term and / or long term disability insurance is paid for with

>> pretax money, then the benefits will be taxable when you get them. State

>of

>> Texas employees do not have their short term or long term disability

>> insurance paid for with pretax money.