Insurance Offered From Trucking Companies- Help

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Old School's Comment
member avatar
just need to find the time to study Illinois CDL manual.

I wouldn't even bother with that manual. Our High Road CDL Training Program will put you way ahead of the game. It's a gem! It's far more effective at helping you retain the information needed for the exams.

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.
Rainy D.'s Comment
member avatar

Thanks Don for your thoughts.

You didnt say whether you want single or family, but including everything vision, disabilty and such i pay $50 per week now for single.

Old Dominions website says they pay 80% of the premiums. I THOUGHT someone on this forum said they paid 100%, so hopefully other will chime in. We have a couple forum members who work for them and a couple who tried but did not get hired. It seems each terminal there has different requirements based on need. One of our forum members told me yesterday they need 15 drivers in a new eastern PA terminal, but they were asking for one year OTR experience.

Never hurts to set goals.

good-luck.gif

I dont mean to pry, but if you have a condition that makes you so concerned about insurance, you might be shocked to find that condition could hinder employment. we have had a few prospective drivers post about either having special needs or children with special needs, or medications that are not DOT or company compliant. If you have a family member with a condition, truky think about the time away from home truck will require.

Terminal:

A facility where trucking companies operate out of, or their "home base" if you will. A lot of major companies have multiple terminals around the country which usually consist of the main office building, a drop lot for trailers, and sometimes a repair shop and wash facilities.

OTR:

Over The Road

OTR driving normally means you'll be hauling freight to various customers throughout your company's hauling region. It often entails being gone from home for two to three weeks at a time.

DOT:

Department Of Transportation

A department of the federal executive branch responsible for the national highways and for railroad and airline safety. It also manages Amtrak, the national railroad system, and the Coast Guard.

State and Federal DOT Officers are responsible for commercial vehicle enforcement. "The truck police" you could call them.

Don L.'s Comment
member avatar

Thanks Don for your thoughts.

You didnt say whether you want single or family, but including everything vision, disabilty and such i pay $50 per week now for single.

Old Dominions website says they pay 80% of the premiums. I THOUGHT someone on this forum said they paid 100%, so hopefully other will chime in. We have a couple forum members who work for them and a couple who tried but did not get hired. It seems each terminal there has different requirements based on need. One of our forum members told me yesterday they need 15 drivers in a new eastern PA terminal, but they were asking for one year OTR experience.

Never hurts to set goals.

good-luck.gif

I dont mean to pry, but if you have a condition that makes you so concerned about insurance, you might be shocked to find that condition could hinder employment. we have had a few prospective drivers post about either having special needs or children with special needs, or medications that are not DOT or company compliant. If you have a family member with a condition, truky think about the time away from home truck will require.

I'm all good Rainy in the health department, however wife was diagnosed with breast cancer 1 month ago, so as of right now, I'm learning all I can. She's got 1 Chemo treatment down, 7 more to go..I'll see how she recovers and we are being truly optimistic about beating the disease!!!!

Terminal:

A facility where trucking companies operate out of, or their "home base" if you will. A lot of major companies have multiple terminals around the country which usually consist of the main office building, a drop lot for trailers, and sometimes a repair shop and wash facilities.

OTR:

Over The Road

OTR driving normally means you'll be hauling freight to various customers throughout your company's hauling region. It often entails being gone from home for two to three weeks at a time.

DOT:

Department Of Transportation

A department of the federal executive branch responsible for the national highways and for railroad and airline safety. It also manages Amtrak, the national railroad system, and the Coast Guard.

State and Federal DOT Officers are responsible for commercial vehicle enforcement. "The truck police" you could call them.

Big Scott's Comment
member avatar

My total cost per week for my benefits for my wife and myself is $88.57 per week. This includes medical, dental, vision, life, ADD and what I choose to contribute to my HSA. The buy up will be a few dollars more. I do not feel this cost. With per diem , I have been netting over $1000.00 per week most weeks.

Per Diem:

Getting paid per diem means getting a portion of your salary paid to you without taxes taken out. It's technically classified as a meal and expense reimbursement.

Truck drivers and others who travel for a living get large tax deductions for meal expenses. The Government set up per diem pay as a way to reimburse some of the taxes you pay with each paycheck instead of making you wait until tax filing season.

Getting per diem pay means a driver will get a larger paycheck each week but a smaller tax return at tax time.

We have a ton of information on our wiki page on per diem pay

OOS:

When a violation by either a driver or company is confirmed, an out-of-service order removes either the driver or the vehicle from the roadway until the violation is corrected.

Bobcat_Bob's Comment
member avatar

I pay around $30 a week at Old Dominion and I took top of the line plan and some options. Where in IL are you located? If you are willing to work the dock for awhile OD offers training depending on the location and we always need drivers.

Bobcat_Bob's Comment
member avatar

Oops hit submit before I was ready. Meant to say I know USF Holland, and Yellow freight pay 100% insurance they offer training as well but I'm not sure how they do it, probably involves working a dock as well as all LTL carriers require. Also they are union not sure if that is your thing or not.

At OD you get paid while on the dock and while training for CDL too. I think if you get accepted into CDL program its 4 hours of dock and 4 hours of training.

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.

LTL:

Less Than Truckload

Refers to carriers that make a lot of smaller pickups and deliveries for multiple customers as opposed to hauling one big load of freight for one customer. This type of hauling is normally done by companies with terminals scattered throughout the country where freight is sorted before being moved on to its destination.

LTL carriers include:

  • FedEx Freight
  • Con-way
  • YRC Freight
  • UPS
  • Old Dominion
  • Estes
  • Yellow-Roadway
  • ABF Freight
  • R+L Carrier

BMI:

Body mass index (BMI)

BMI is a formula that uses weight and height to estimate body fat. For most people, BMI provides a reasonable estimate of body fat. The BMI's biggest weakness is that it doesn't consider individual factors such as bone or muscle mass. BMI may:

  • Underestimate body fat for older adults or other people with low muscle mass
  • Overestimate body fat for people who are very muscular and physically fit

It's quite common, especially for men, to fall into the "overweight" category if you happen to be stronger than average. If you're pretty strong but in good shape then pay no attention.

Don L.'s Comment
member avatar

double-quotes-start.png

just need to find the time to study Illinois CDL manual.

double-quotes-end.png

I wouldn't even bother with that manual. Our High Road CDL Training Program will put you way ahead of the game. It's a gem! It's far more effective at helping you retain the information needed for the exams.

Thanks Old School....Working on that as well....I will quit Illinois study manual and stick to HR CDL Training

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.
Don L.'s Comment
member avatar

My total cost per week for my benefits for my wife and myself is $88.57 per week. This includes medical, dental, vision, life, ADD and what I choose to contribute to my HSA. The buy up will be a few dollars more. I do not feel this cost. With per diem , I have been netting over $1000.00 per week most weeks.

Big Scott,

Whoot Whoot....Thanks for the info...Guess what, the state of illinois, will want me to retake a bunch of tests, if I get my CDL from CFI in MO?...So what should I do?...Stick with a Illinois trucking school training center so I don't have to retest? So I get issued a state licence from Illinois, with NO hoops?

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.

Per Diem:

Getting paid per diem means getting a portion of your salary paid to you without taxes taken out. It's technically classified as a meal and expense reimbursement.

Truck drivers and others who travel for a living get large tax deductions for meal expenses. The Government set up per diem pay as a way to reimburse some of the taxes you pay with each paycheck instead of making you wait until tax filing season.

Getting per diem pay means a driver will get a larger paycheck each week but a smaller tax return at tax time.

We have a ton of information on our wiki page on per diem pay

OOS:

When a violation by either a driver or company is confirmed, an out-of-service order removes either the driver or the vehicle from the roadway until the violation is corrected.

Rainy D.'s Comment
member avatar

Don, sorry about your wife, but im sooo glad to here the good spirits!

As for Prime and most larger carriers, believe it or not, they care. I was in training and flew.home from FL to NJ when my mom went into the hospital. Prime didnt even ask for a doctors note and told me to.just keep them informed. I know others who were advanced money to fly home and teams were sent to pick up their truck when family emergencies happened. No problems, no reprimand, no arguments. Totally different from my federal job! My guess is most major carriers would be this accomodating.

I hope this helps. Plus, some companies including prime have rider policies, so have her come with you when she can. might put your mind at ease to be with her.

smile.gif

HOS:

Hours Of Service

HOS refers to the logbook hours of service regulations.
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