The Millers have very few viable options to find affordable health insurance. Sandra applied for Social Security disability several months ago, but her acceptance under that federal program is by no means certain. Even if she is accepted, she has been told that she will not be eligible for Medicare for another year.
Most states have a last-resort health insurance option for high-risk people, but the coverage is usually not as comprehensive. Without an employer plan, however, this may be the only choice the Millers could rely on.
Jim is considering going back to work part time for a company that provides health insurance for part-time employees. By doing research on the Internet he found a national pharmacy chain with a store in his neighborhood that does provide health insurance to their part-time employees. He has not yet made an application or found out whether they are hiring right now. A part-time job with benefits is probably the most dependable and cost-effective option the Millers have for quality health insurance.
Fortunately for Jim and
Sandra, more companies understand the advantages
of providing benefits to part-time employees.
There are many people in their 50s and 60s
who do not want to, or cannot afford to, leave
the work force. Health insurance is only one
of the issues they face. A desire to stay
engaged in meaningful work can also be a driving
force. When the primary motivator for working
is not the amount of money you make, you can
have more flexibility in selecting employment
that meets your needs for the later stages
of your life.
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