Experience with the Darker Side of Employment
You may have noticed that my posting has been sporadic, of late. I’ve been going through the sort of experience that all government meddlers ought to have, and it’s proven not only time consuming, but apt to scuttle deeper thoughts.
I read, somewhere, that new regulations are set to take effect that will help the unemployed to afford COBRA health insurance. To now, the way it has worked has been that laid-off employees could keep their health insurance, but they’ve had to pay their entire premiums (plus an administrative fee). The new (temporary) system will leave them paying 35%, with the employer covering 65%, which he will get back as a tax credit. In other words, it doesn’t cost the employer, but he has to front the money for a year (during a down economy).
Well, let me tell you that a certain type of employer, already reluctant to lay people off for unemployment insurance reasons, now has even more incentive to get employees to quit than was previously the case. There’s a subjective line at which an employer’s behavior amounts to “constructive discharge” — meaning that no reasonable person could be expected to endure the work environment — but that’s a hefty gamble when unemployment insurance and continued healthcare are on the line.