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	<title>Comments for Endoscopy &amp; Laparoscopy equipment</title>
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		<title>Comment on HOW CAN I TELL IF MY HEALTH INSURANCE BENEFITS ARE PRE TAXED? by STEVEN F</title>
		<link>http://endoscopy-laparoscopy.info/how-can-i-tell-if-my-health-insurance-benefits-are-pre-taxed/comment-page-1/#comment-8362</link>
		<dc:creator>STEVEN F</dc:creator>
		<pubDate>Sun, 07 Feb 2010 07:34:07 +0000</pubDate>
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		<description>OKay, it&#039;s nice that you read a publication somewhere (it made for a funny looking question since you quoted from the pub). 
When you get your W-2, look at box 14, many companies list the amount of health care benefits there.   Also Compare the amount in box 2 (your wages for social security purposes) and the amount shown as ytd wages on your last paycheck stub.   If your health care was pre-tax, the amount in box 2 will be LESS than the YTD wages on the paycheck. 
Boston--Pre-tax health care lowers your social security earnings.   This *will* ultimately reduce the monthly payment one receives from SSA.   It *may* also affect how pension payments are paid out.   I happen to be a devout saver--anything I don&#039;t pay as taxes now, I save.   My savings should be enough to compensate for any loss in benefits. 
The quick estimator at the SSA web site (plugging in $40,000 and 41,500 as the annual income with pre and post tax dollars) shows about a $30 difference in monthly benefits. 
At the 15% tax bracket, someone would pay $20/month more in tax now. 
If FERS uses the $40,000 number for retirement (assuming 20 years government service) , that would be another $25 a month as well. </description>
		<content:encoded><![CDATA[<p>OKay, it&#8217;s nice that you read a publication somewhere (it made for a funny looking question since you quoted from the pub).<br />
When you get your W-2, look at box 14, many companies list the amount of health care benefits there.   Also Compare the amount in box 2 (your wages for social security purposes) and the amount shown as ytd wages on your last paycheck stub.   If your health care was pre-tax, the amount in box 2 will be LESS than the YTD wages on the paycheck.<br />
Boston&#8211;Pre-tax health care lowers your social security earnings.   This *will* ultimately reduce the monthly payment one receives from SSA.   It *may* also affect how pension payments are paid out.   I happen to be a devout saver&#8211;anything I don&#8217;t pay as taxes now, I save.   My savings should be enough to compensate for any loss in benefits.<br />
The quick estimator at the SSA web site (plugging in $40,000 and 41,500 as the annual income with pre and post tax dollars) shows about a $30 difference in monthly benefits.<br />
At the 15% tax bracket, someone would pay $20/month more in tax now.<br />
If FERS uses the $40,000 number for retirement (assuming 20 years government service) , that would be another $25 a month as well.</p>
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		<title>Comment on HOW CAN I TELL IF MY HEALTH INSURANCE BENEFITS ARE PRE TAXED? by montcogu</title>
		<link>http://endoscopy-laparoscopy.info/how-can-i-tell-if-my-health-insurance-benefits-are-pre-taxed/comment-page-1/#comment-8360</link>
		<dc:creator>montcogu</dc:creator>
		<pubDate>Sun, 07 Feb 2010 07:20:15 +0000</pubDate>
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		<title>Comment on HOW CAN I TELL IF MY HEALTH INSURANCE BENEFITS ARE PRE TAXED? by Bostonian In MO</title>
		<link>http://endoscopy-laparoscopy.info/how-can-i-tell-if-my-health-insurance-benefits-are-pre-taxed/comment-page-1/#comment-8361</link>
		<dc:creator>Bostonian In MO</dc:creator>
		<pubDate>Sun, 07 Feb 2010 07:09:54 +0000</pubDate>
		<guid isPermaLink="false">http://endoscopy-laparoscopy.info/how-can-i-tell-if-my-health-insurance-benefits-are-pre-taxed/#comment-8361</guid>
		<description>If you have to ask your employer, your pay statements are NOT well designed.   MY pay statement has 3 sections under deductions: Pre-Tax Deductions, Taxes, and Other deductions.   Which section is your insurance deduction under?  If that doesn&#039;t help, you will have to ask your employer.   You mentioned self-employment.   If you are self employed and need to ask, you NEED an accountant DESPERATELY. </description>
		<content:encoded><![CDATA[<p>If you have to ask your employer, your pay statements are NOT well designed.   MY pay statement has 3 sections under deductions: Pre-Tax Deductions, Taxes, and Other deductions.   Which section is your insurance deduction under?  If that doesn&#8217;t help, you will have to ask your employer.   You mentioned self-employment.   If you are self employed and need to ask, you NEED an accountant DESPERATELY.</p>
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		<title>Comment on CHILD HEALTH BENEFITS FOR FOREIGHNERS WITH TEMPORAY WORK PERMITS IN ONTARIO, CANADA? by Onirboch</title>
		<link>http://endoscopy-laparoscopy.info/child-health-benefits-for-foreighners-with-temporay-work-permits-in-ontario-canada/comment-page-1/#comment-8290</link>
		<dc:creator>Onirboch</dc:creator>
		<pubDate>Mon, 01 Feb 2010 19:11:25 +0000</pubDate>
		<guid isPermaLink="false">http://endoscopy-laparoscopy.info/child-health-benefits-for-foreighners-with-temporay-work-permits-in-ontario-canada/#comment-8290</guid>
		<description>Contact your local OHIP office, or go in person.   This isnt something that can be answered on here. . . too many variables that can play in.   (eg: depends on what kind of work permit you have and how the wording is on it)
Am I eligible for Ontario health insurance?
You must have Ontario health insurance to receive health care services for which OHIP is a requirement.  You may be eligible for the Ontario Health Insurance Plan (OHIP) if you are included under one of the following categories:
    * you are a Canadian citizen, permanent resident or landed immigrant, convention refugee, or are registered as an Indian under the Indian Act;
    * you have submitted an Application for Permanent Residence or an Application for Landing and have been confirmed by Citizenship and Immigration Canada as having satisfied the medical requirements for landing;
    * you are a foreign worker who holds a valid work permit or employment authorization which names a Canadian employer situated in Ontario and your prospective occupation, and is valid for at least six months;
    * you are a foreign clergy member who will be providing services to a religious congregation in Ontario for at least six months;
    * you hold a Temporary Resident Permit or Minister’s Permit with case type 80 (for adoption only), 86, 87, 88 or 89;
    * you are the spouse, same sex partner, or dependent child (under 22 years old or 22 years and over if dependent due to a mental or physical disability) of a foreign clergy member or eligible foreign worker who is to be employed in Ontario for a period of at least three consecutive years;
    * you hold a work permit or employment authorization under the Live-In Caregivers in Canada Program or the Foreign Domestic Movement;
    * you have been issued a work permit or employment authorization under the Caribbean Commonwealth and Mexican Seasonal Agricultural Workers Program administered by the federal department of Citizenship and Immigration;
    * and you make your permanent and principal home in Ontario;
    * and you are in Ontario for at least 153 days of the first 183 days immediately following the date you establish residency in Ontario (you cannot be absent for more than 30 days during the first 6 months of residency);
    * and you are in Ontario for at least 153 days in any 12-month period. </description>
		<content:encoded><![CDATA[<p>Contact your local OHIP office, or go in person.   This isnt something that can be answered on here. . . too many variables that can play in.   (eg: depends on what kind of work permit you have and how the wording is on it)<br />
Am I eligible for Ontario health insurance?<br />
You must have Ontario health insurance to receive health care services for which OHIP is a requirement.  You may be eligible for the Ontario Health Insurance Plan (OHIP) if you are included under one of the following categories:<br />
    * you are a Canadian citizen, permanent resident or landed immigrant, convention refugee, or are registered as an Indian under the Indian Act;<br />
    * you have submitted an Application for Permanent Residence or an Application for Landing and have been confirmed by Citizenship and Immigration Canada as having satisfied the medical requirements for landing;<br />
    * you are a foreign worker who holds a valid work permit or employment authorization which names a Canadian employer situated in Ontario and your prospective occupation, and is valid for at least six months;<br />
    * you are a foreign clergy member who will be providing services to a religious congregation in Ontario for at least six months;<br />
    * you hold a Temporary Resident Permit or Minister’s Permit with case type 80 (for adoption only), 86, 87, 88 or 89;<br />
    * you are the spouse, same sex partner, or dependent child (under 22 years old or 22 years and over if dependent due to a mental or physical disability) of a foreign clergy member or eligible foreign worker who is to be employed in Ontario for a period of at least three consecutive years;<br />
    * you hold a work permit or employment authorization under the Live-In Caregivers in Canada Program or the Foreign Domestic Movement;<br />
    * you have been issued a work permit or employment authorization under the Caribbean Commonwealth and Mexican Seasonal Agricultural Workers Program administered by the federal department of Citizenship and Immigration;<br />
    * and you make your permanent and principal home in Ontario;<br />
    * and you are in Ontario for at least 153 days of the first 183 days immediately following the date you establish residency in Ontario (you cannot be absent for more than 30 days during the first 6 months of residency);<br />
    * and you are in Ontario for at least 153 days in any 12-month period.</p>
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		<title>Comment on CHILD HEALTH BENEFITS FOR FOREIGHNERS WITH TEMPORAY WORK PERMITS IN ONTARIO, CANADA? by Cariad</title>
		<link>http://endoscopy-laparoscopy.info/child-health-benefits-for-foreighners-with-temporay-work-permits-in-ontario-canada/comment-page-1/#comment-8291</link>
		<dc:creator>Cariad</dc:creator>
		<pubDate>Mon, 01 Feb 2010 18:38:07 +0000</pubDate>
		<guid isPermaLink="false">http://endoscopy-laparoscopy.info/child-health-benefits-for-foreighners-with-temporay-work-permits-in-ontario-canada/#comment-8291</guid>
		<description>In the phonebook in the Blue Pages, find the 800 number for OHIP (Ontario Hospitalization Insurance Plan), call them and get you application, you should have no trouble and children up to the age of 16 have special benefits, so get them enrolled quickly and a flu shot to, there free. </description>
		<content:encoded><![CDATA[<p>In the phonebook in the Blue Pages, find the 800 number for OHIP (Ontario Hospitalization Insurance Plan), call them and get you application, you should have no trouble and children up to the age of 16 have special benefits, so get them enrolled quickly and a flu shot to, there free.</p>
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