Health Insurance

Topic 20881 | Page 1

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George Z.'s Comment
member avatar

I have noticed at least with the Several Companies I am considering as a New CDL driver that most health insurance is not available until at least 60 or 90 days being employed. Do any companies you know of provide Health Insurance within 30 days? Otherwise, if we get hurt in training or shortly thereafter before the Health Insurance is available at 60 to 90 days the hospital bill could be HUGE. I had this happen to me while waiting 30 days on my previous job for the Health insurance, and had to pay 100% of my hospital bill-$15000!

CDL:

Commercial Driver's License (CDL)

A CDL is required to drive any of the following vehicles:

  • Any combination of vehicles with a gross combined weight rating (GCWR) of 26,001 or more pounds, providing the gross vehicle weight rating (GVWR) of the vehicle being towed is in excess of 10,000 pounds.
  • Any single vehicle with a GVWR of 26,001 or more pounds, or any such vehicle towing another not in excess of 10,000 pounds.
  • Any vehicle, regardless of size, designed to transport 16 or more persons, including the driver.
  • Any vehicle required by federal regulations to be placarded while transporting hazardous materials.

HOS:

Hours Of Service

HOS refers to the logbook hours of service regulations.
G-Town's Comment
member avatar

Good grief...

Considering more than half of the students who attend Company-Sponsored Training Programs never make it to their 30th day, it's a moot point. Of the 30+ people who showed up for day when I went to school, only 6 graduated, able to pass their CDL tests. Please remember George, when you are in school (Swift), you are NOT an employee, therefore you do not qualify for any company benefits until your actual start date.

Two things I will reply with:

If you are injured on the job (including, it's covered under the Carrier's Workman's Compensation insurance. Every employer must have this and "why" you did not make a claim for your previous injury, is troubling.

Second, if you are gainfully employed now, a continuation of your current HealthCare insurance is provided (guaranteed) under COBRA. 90 days wait on health insurance is customary for most companies, trucking or otherwise. There is also the Affordable Care Act market place, you should be able to apply for and get basic insurance to cover the gap created by the 90 days at a lower cost than COBRA.

George,...do you really want to be a truck driver? Did you read the information I sent to you in your other post (the three links)? Honestly, your posts do not reflect much more than an attempt to confirm your apprehension.

CDL:

Commercial Driver's License (CDL)

A CDL is required to drive any of the following vehicles:

  • Any combination of vehicles with a gross combined weight rating (GCWR) of 26,001 or more pounds, providing the gross vehicle weight rating (GVWR) of the vehicle being towed is in excess of 10,000 pounds.
  • Any single vehicle with a GVWR of 26,001 or more pounds, or any such vehicle towing another not in excess of 10,000 pounds.
  • Any vehicle, regardless of size, designed to transport 16 or more persons, including the driver.
  • Any vehicle required by federal regulations to be placarded while transporting hazardous materials.

Company-sponsored Training:

A Company-Sponsored Training Program is a school that is owned and operated by a trucking company.

The schooling often requires little or no money up front. Instead of paying up-front tuition you will sign an agreement to work for the company for a specified amount of time after graduation, usually around a year, at a slightly lower rate of pay in order to pay for the training.

If you choose to quit working for the company before your year is up, they will normally require you to pay back a prorated amount of money for the schooling. The amount you pay back will be comparable to what you would have paid if you went to an independently owned school.

Company-sponsored training can be an excellent way to get your career underway if you can't afford the tuition up front for private schooling.

Rob's Comment
member avatar

Only company I know of is Mclane Foods. They offer insurance your first day (according to the radio ads I keep hearing). However you'll be physically unloading your trailer, which u believe is a 53 footer. In some areas they send you and someone else out in a sleeper cab, on a run they expect to take ya over 20 hours

Susan D. 's Comment
member avatar

I don't believe McLane has a company sponsored school or that they hire inexperienced new drivers, but I could be wrong.

If anyone is injured while on the job, GTown is correct.. that's a workman's comp claim. The 90 days wait for insurance is very standard, for obvious reasons. A rare few companies offer insurance from day one to EMPLOYEES, but I've not heard of that for truck drivers.

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