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by DaiPlusPlus
1035 days ago
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All US employers I've worked for included disability and long-term injury insurance as standard benefits, in addition to always offering the best-tier health-plans (from non-profit insurers too). Unemployment insurance is another (legally mandatory) benefit that outshines whatever I'd get in the UK because it isn't considered a public-benefit (i.e. it's not the state or Feds paying it ("welfare" as yanks call it), it's still a insurance pool model where the payouts are proportional to your salary and not some arbitrary income limit the DWP set for the year, nor is means-tested or requires me to use-up my savings first - so in WA ( https://esd.wa.gov/unemployment/calculate-your-benefit ) I'd be getting about $4k/mo for 6 months, for comparison I quickly ran the numbers on benefits-calculator.turn2us.org.uk (there's no official UK calculator, wat) just now and got... £300/mo - and that's only after I exhaust all my savings first. (To be fair, I could just purchase private unemployment insurance in the UK too, except I'd be paying for it myself out-of-pocket (though it might be a tax-deductible expense?) whereas in WA employers are required to pay into it at no cost to the employee, IIRC). |
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It eventually runs out. The US healthcare system can eventually bankrupt you no matter how careful you are, if your health problems are serious enough.