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La Place Mike
| Favorite team: | LSU  |
| Location: | West Florida Republic |
| Biography: | |
| Interests: | |
| Occupation: | |
| Number of Posts: | 31069 |
| Registered on: | 1/12/2004 |
| Online Status: | Not Online |
Recent Posts
Message
re: This plan would save social security *and* reduce elderly poverty. Your thoughts?
Posted by La Place Mike on 2/25/26 at 10:35 pm to meansonny
You are always trying to prove how smart you are. It’s tiresome.
Whether you call it 'overhead' or 'cost per employee,' the principle is identical. A business budgets for many expenses required to keep a worker on staff. FICA, insurance, equipment, and yes, the space they occupy. If any of those costs go down, the employer isn't legally or contractually obligated to hand that specific 'savings' to the employee. The employee signed an agreement for Gross Wage ($X). If the government stops charging the employer a 6.2% tax, that is a reduction in the company's operating costs, not an automatic raise for the worker.
Whether you call it 'overhead' or 'cost per employee,' the principle is identical. A business budgets for many expenses required to keep a worker on staff. FICA, insurance, equipment, and yes, the space they occupy. If any of those costs go down, the employer isn't legally or contractually obligated to hand that specific 'savings' to the employee. The employee signed an agreement for Gross Wage ($X). If the government stops charging the employer a 6.2% tax, that is a reduction in the company's operating costs, not an automatic raise for the worker.
1
re: This plan would save social security *and* reduce elderly poverty. Your thoughts?
Posted by La Place Mike on 2/25/26 at 10:14 pm to meansonny
quote:
You include office space in your cost per employee figures?
You think you're so cute.
Including office space in the 'Cost of Employee' actually proves the point. A company budgets for a desk, a laptop, and 100 square feet of office space for every hire. If the company moves to a cheaper building or negotiates a lower rent, the employee doesn't get a raise equal to the rent savings. Just because a business budgets a certain amount for your existence at the firm (including FICA, insurance, and rent) doesn't mean you are contractually entitled to those line items if the costs drop. You agreed to a wage of $X, not a percentage of the company’s overhead.
re: MBB: 106 LSU @ 99 Ole Miss | Final | Tigers WIN in Double OT!!! Mackinnon with 33!!!
Posted by La Place Mike on 2/25/26 at 10:02 pm to tom
quote:
This ESPN announcer has been hilariously bad.
He's consistent, if anything.
re: This plan would save social security *and* reduce elderly poverty. Your thoughts?
Posted by La Place Mike on 2/25/26 at 9:52 pm to meansonny
quote:
You've probably never heard of Cost of Employee. Or Total Benefits Package.
Sure I have.
The 'Total Cost of Employee' is an internal accounting metric used by a business to track overhead. It isn't a debt owed to the worker. Just because an employer budgets for taxes, insurance, and office space doesn't mean the employee is contractually entitled to those specific line items if the costs drop. An employee agrees to a Gross Wage ($X), not a percentage of the company’s total operating budget. If the cost of an employer's liability, like FICA, is repealed, that's a reduction in business expenses, not a mandatory raise for the staff.
re: This plan would save social security *and* reduce elderly poverty. Your thoughts?
Posted by La Place Mike on 2/25/26 at 9:28 pm to csorre1
quote:
If self employed, you pay the gull 12.4%.
That's correct.
quote:
If employers didn't have to pay 6.2% wages would increase.
Maybe. Maybe not. There is no legal or contractual obligation for a company to pass those savings to the employee. When a worker is hired, they agree to a specific gross salary ($X), not a total compensation package that includes the employer’s tax liabilities. Because the employer’s share of FICA is classified as a business expense, much like rent or insurance, any reduction in that tax is technically a windfall for the company's bottom line. Whether an employee ever sees that money depends entirely on their bargaining power and the competitive pressure of the job market, rather than the original employment contract.
re: This plan would save social security *and* reduce elderly poverty. Your thoughts?
Posted by La Place Mike on 2/25/26 at 8:31 pm to csorre1
quote:
Or they could let me keep my 12.4%
Don't you mean your 6.2%? The other 6.2% belongs to your employer.
re: This plan would save social security *and* reduce elderly poverty. Your thoughts?
Posted by La Place Mike on 2/25/26 at 8:27 pm to HailHailtoMichigan!
quote:
Everyone over 65 who qualifies for SS is given 32,500/year-
32,000 per year per couple will get them out of poverty?
re: Dry Cleaning bitch
Posted by La Place Mike on 2/25/26 at 9:37 am to 777Tiger
quote:
as a former dry cleaner owner my opinion is that prices were way too low pre-Covid anyway, very cutthroat business, and a lot of tax evading injuns and azns trying to frick everyone over
Me too. It's hard to earn a living at itvwhen doing it the right.
re: Ok you legal minds of the OT. Got a friend who's been scammed.
Posted by La Place Mike on 2/25/26 at 9:32 am to CleverUserName
quote:
Got a friend who's been scammed.
quote:
the subcontractor fell over with acute heart explosion. He's gone.
He's not being scammed unless the sub is faking the acute heart explosion.
This happens a lot. Business owners believe they have plenty of time and hardly ever plan for worst case scenarios. They will do it one day and that one day never comes. Now your buddies in a bind and the spouse is trying to run the business. I wouldn't be surprised if she didn't have a clue as to what was happening with the business.
re: Other than a Lawyer or HR person who is someone I can talk to about Short Term Disability?
Posted by La Place Mike on 2/25/26 at 8:04 am to OweO
quote:
So again, tell me how will ChatGPT not help?
ChatGPT dows not have magical access to individual policies. It can give very basic answers to questions. The OP has specific questions regarding his wife's policies.
I work in the industry and few months ago I asked ChatGPT to compare and contrast two different company's disability products that I know very well and give a recommendation as a test. ChatGPT recommended the company with the weakest definition for own occupation as the better product. It also got other details about the policies wrong.
re: Other than a Lawyer or HR person who is someone I can talk to about Short Term Disability?
Posted by La Place Mike on 2/24/26 at 10:38 pm to TT
quote:
Ask AI
AI will not have a copy of the policy it's answer will be useless.
re: McNeese 7 @ LSU 6 Final
Posted by La Place Mike on 2/24/26 at 10:30 pm to Bossierboy
Season over. How we will ever recover, alas.
re: Other than a Lawyer or HR person who is someone I can talk to about Short Term Disability?
Posted by La Place Mike on 2/24/26 at 10:29 pm to Napoleon
quote:
Your doctor needs to recommend it then you need to apply at Social Security center. Depends on how many credits you have too. And your income
He has a question about short term disability not a permanent disability.
re: Other than a Lawyer or HR person who is someone I can talk to about Short Term Disability?
Posted by La Place Mike on 2/24/26 at 9:52 pm to OweO
quote:
You don't have to take its advice and anyone who knows how to use it correctly would absolutely find information that will be useful. You have no fricking clue what you are talking about.
:lol:
You're an idiot.
re: Other than a Lawyer or HR person who is someone I can talk to about Short Term Disability?
Posted by La Place Mike on 2/24/26 at 9:49 pm to DCtiger1
quote:
Correct, but like you said he just needs to know what the policy provisions are for his wife's policy
That's why he needs to call the insurance company. If he doesn't have a copy of the policy request one. Short Term Disabilty policies are not overly complicated.
re: Other than a Lawyer or HR person who is someone I can talk to about Short Term Disability?
Posted by La Place Mike on 2/24/26 at 9:40 pm to OweO
quote:
ChatGPT can steer you in the right direction. Seriously.
Do not consult Chatgpt. This the dumbest advice so far.
re: Other than a Lawyer or HR person who is someone I can talk to about Short Term Disability?
Posted by La Place Mike on 2/24/26 at 9:39 pm to DCtiger1
quote:
It's either 30, 60 or 90 days.
Short term eliminations can be shorter than that. There is no need to talk to a lawyer at least not yet. Grinder, call the insurance company.
re: Other than a Lawyer or HR person who is someone I can talk to about Short Term Disability?
Posted by La Place Mike on 2/24/26 at 9:31 pm to Grinder
quote:
This is for my wife. She’s in the hospital and not doing well.
Sorry to hear about your wife.
If you are asking if you can file for disability while your wife is sick the answer is no. If you are asking for your wife call the agent or broker. If you do not know who the agent or broker is call HR. They can get you in touch with the right person. Don't make this harder than it is. You have enough on your plate.
re: Other than a Lawyer or HR person who is someone I can talk to about Short Term Disability?
Posted by La Place Mike on 2/24/26 at 5:36 pm to saintsfan1977
quote:
I did it for 2 months with Aflac.
Aflac's disability claims process is the easiest in the industry.
re: Just saw about two dozen sheriffs officers on i-12
Posted by La Place Mike on 2/24/26 at 5:21 pm to Ingeniero
Were they St Tammany or Tangi deputies?
re: Other than a Lawyer or HR person who is someone I can talk to about Short Term Disability?
Posted by La Place Mike on 2/24/26 at 5:18 pm to Grinder
What's you specific question?
Start with HR if you know the agent or broker call them directly.
Start with HR if you know the agent or broker call them directly.
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