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raghuram
05-08 10:55 AM
Between and Atlas America for covering pre-existing condition, what would you all recommend?
Definitely, Atlas America as it is a comprehensive coverage plan. Where as 's is a fixed coverage plan which only pays a small fraction of the actual expenses.
Altas America covers $15,000 in acute onset of pre-existing conditions, while claims to cover $50,000 in acute onset of pre-existing conditions for $150,000 coverage.
Lets take the example: Person is hospitalized for two days due to acute onset of pre-existing conditions. And the hospital charged $5,000 per day, for a total bill of $10,000. How much would you get covered in each case?
Atlas America: All $10,000 minus the deductible (deductible choices from $0 to $2,500).
KV Rao: $0 That is because the plan covers at $1,900/day for hospitalization. Therefore, the total coverage is $3,800 but you have a $5,000 deductible. Therefore, you get nothing. Tricky, isn't it? It is not what it seems.
Lets say, even for the new condition. You need a surgery that costs $40,000 (not an unrealistic amount). How much would you be covered in case?
Atlas America: All $40,000 minus the deductible that varies from $0 to $2,500.
KV Rao: Even with $150,000 coverage, they cover only $6,000 for surgery. You have to pay $34,000 out of your pocket.
The list goes on regarding how Atlas America is better than KV Rao's.
Definitely, Atlas America as it is a comprehensive coverage plan. Where as 's is a fixed coverage plan which only pays a small fraction of the actual expenses.
Altas America covers $15,000 in acute onset of pre-existing conditions, while claims to cover $50,000 in acute onset of pre-existing conditions for $150,000 coverage.
Lets take the example: Person is hospitalized for two days due to acute onset of pre-existing conditions. And the hospital charged $5,000 per day, for a total bill of $10,000. How much would you get covered in each case?
Atlas America: All $10,000 minus the deductible (deductible choices from $0 to $2,500).
KV Rao: $0 That is because the plan covers at $1,900/day for hospitalization. Therefore, the total coverage is $3,800 but you have a $5,000 deductible. Therefore, you get nothing. Tricky, isn't it? It is not what it seems.
Lets say, even for the new condition. You need a surgery that costs $40,000 (not an unrealistic amount). How much would you be covered in case?
Atlas America: All $40,000 minus the deductible that varies from $0 to $2,500.
KV Rao: Even with $150,000 coverage, they cover only $6,000 for surgery. You have to pay $34,000 out of your pocket.
The list goes on regarding how Atlas America is better than KV Rao's.
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Juan28210
04-19 01:42 PM
Hi Folks,
I hope you could share your experiences if you belong to the same situation.
I have an approved EB2 labor cert thru PERM, and I belong to ROW. I am now preparing to file I-140 and I-485 concurrently.
I just saw my petitioner's(S-corporation) federal tax return. Gross revenue is $700,000; Net income is $20,000 which is only a quarter of my current wage. The offered wage per my labor cert is $80,000.
Do I have a big chance of denial in the I-140 stage due to employer's inability to pay? Please advise.
Thanks!
I hope you could share your experiences if you belong to the same situation.
I have an approved EB2 labor cert thru PERM, and I belong to ROW. I am now preparing to file I-140 and I-485 concurrently.
I just saw my petitioner's(S-corporation) federal tax return. Gross revenue is $700,000; Net income is $20,000 which is only a quarter of my current wage. The offered wage per my labor cert is $80,000.
Do I have a big chance of denial in the I-140 stage due to employer's inability to pay? Please advise.
Thanks!
trueguy
08-16 10:30 AM
:) wait till september, i betting we will see 25-28k eb2 approvals, good for them i guess. it is typical with USCIS, towards the end of the year they wake up and go overtime in approving the cases.
I wonder why USCIS/DOS don't spread the workload across consular posts. During Jul2007 fiasco, most of the I-485 application till Jan'2007 PDs are filed. Now if DOS make the PD for all categories to lets say 2006, they won't recieve any new applications and consular posts could use some numbers.
In fact, people who opted for AOS will also go for CP if consular posts can process them. This will help take some workload off of USCIS. But I don't know why they don't do it.
I wonder why USCIS/DOS don't spread the workload across consular posts. During Jul2007 fiasco, most of the I-485 application till Jan'2007 PDs are filed. Now if DOS make the PD for all categories to lets say 2006, they won't recieve any new applications and consular posts could use some numbers.
In fact, people who opted for AOS will also go for CP if consular posts can process them. This will help take some workload off of USCIS. But I don't know why they don't do it.
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kshitijnt
02-07 05:12 PM
This is a great point. Even if we get one time relief,that should suffice because retro might not happen in the future as there will not be 245si/195kH1bs. I hope one of the core group members might want to look at this. This will atleast counteract the exaggerated and bloated immigration numbers by the antiimmigrant groups.
What you are not counting is the people who change jobs. Initial H1 allocation to wipro or TCS or satyam doesnt mean anything. More than 50% of those change jobs later on
What you are not counting is the people who change jobs. Initial H1 allocation to wipro or TCS or satyam doesnt mean anything. More than 50% of those change jobs later on
more...
jkays94
06-09 05:00 PM
Very good material jkays94.
I am glad to see that is so much documented material out there that puts the rights of all individuals clearly regardless of immigration status.
I wish people would come forward and participate in efforts of their choice and speak up against unfair system, thru IV or otherwise, and not be afraid of getting fired and getting deported or being a victim of prejudice by USCIS just because they posted a thread on IV, or contributed funds or met a lawmaker to petition them for pains.
There are a lot of visitors of the site(who wont even register on this site) who have such apprehensions and doubts and posts like yours help clear those doubts and help them join this effort and strengthen our hands.
Logiclife, no problem. Thanks for starting this thread as I think it has spawned a very healthy debate for all where critical issues that afflict us have been debated and previously unknown information has been shared.
I hope that many more of us will step forward, we have a lot of rights but it is easy to forget that. And it is the precense of those rights that indeed make America a great country, a country that stands out differently from many others. I join you in urging all to exercise their rights and in working to make a difference alongside and through their support of IV.
I am glad to see that is so much documented material out there that puts the rights of all individuals clearly regardless of immigration status.
I wish people would come forward and participate in efforts of their choice and speak up against unfair system, thru IV or otherwise, and not be afraid of getting fired and getting deported or being a victim of prejudice by USCIS just because they posted a thread on IV, or contributed funds or met a lawmaker to petition them for pains.
There are a lot of visitors of the site(who wont even register on this site) who have such apprehensions and doubts and posts like yours help clear those doubts and help them join this effort and strengthen our hands.
Logiclife, no problem. Thanks for starting this thread as I think it has spawned a very healthy debate for all where critical issues that afflict us have been debated and previously unknown information has been shared.
I hope that many more of us will step forward, we have a lot of rights but it is easy to forget that. And it is the precense of those rights that indeed make America a great country, a country that stands out differently from many others. I join you in urging all to exercise their rights and in working to make a difference alongside and through their support of IV.
StuckInTheMuck
04-28 10:39 AM
One more point:
Know when your GC and passport expires so that you can renew it. :)
Getting a GC does not mean you can ignore all your immigration issues.
Abso-lute-ly :) Thanks pappu, your point is added.
Know when your GC and passport expires so that you can renew it. :)
Getting a GC does not mean you can ignore all your immigration issues.
Abso-lute-ly :) Thanks pappu, your point is added.
more...
chanduv23
06-08 09:17 AM
My dad came to US in 1971 and got a green card at the airport under "Employment based 3rd preference category(For engineers, Doctors and Chartered Accountantss)" though he went back after a few years. Thats how they used to give Green Cards in those days. Lot of engineers, doctors and chartered accountantss migrated in the beginning of 70s. After few years they stopped that and there was a lot of opposition to Indian professionals (professional rivalry), later stage people found it difficult to survive the rivalry, a lot of doctors went through hell when they found themselves getting fired from residencies and denied jobs. Things are a lot better now as these things are very less heard of these days.
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sc3
09-25 01:15 PM
Hey buddy sc3, How are you this morning. I just have to go to a meeting in another few minutes. Would you be around today? We have to continue our discussion from the other day. I feel like learning a lot from you and I love discussing with you. Please stick around and I will be back soon. Please don't go, ok. In the meantime, here is an excellent video you may want to watch in the meantime.
This is really good.
.
Doing good, thank you. How about yourself? Sanju, with all these candies you are throwing at us, I am thinking that you might be the one my parents used to warn about (dont talk to strangers who offer you candies). So now I am very scared, you seem to have taken quite a liking to my thoughts, which scares me too (rest assured, I called dateline NBC too!, Chris Hansen is a nice person to talk to).
You want to discuss more, well there is a problem, I am not a debater. I never won any debating contests. I see the points all of you are making, and, while I can understand where from it is coming. On a bleak day, I do commiserate with it - heck I do sometimes even cross over to play the devils advocate (Note: it is an expression, I am not saying we Indians are devils (I need to clarify, because there are some who take literal meaning at times)), but in the end, I have to come back to the quota being an enabler to control the "rush" of applicants.
Some have said that EB is based solely on "merits", and that I am inventing my own intent (of diversity). No I am not, look it up. The per-country quota system is mentioned in the statues even before family or EB is discussed. Family based immigration have the per country quota too (why should an Indian Family suffer for X years, while families of other countries are able to unite sooner), but I dont see that we asked to remove the the quota completely. We only asked for removal in EB (but that is deviating from the topic).
I am not anti-immigrant, just because I argue against some provisions does not make me anti-immigrant (well the same charge will be leveled against us by CIR folks because we dont take/support their approach), and no I dont yet have my GC. I may be whatever, but I will not burn the bridge after crossing it (though I have been known to burn the bridge while I am still on it).
Yes, laws can (and shall) be changed, but can't we discuss the good and bad of what we are changing? I have seen many a legislation that have good intent at heart, but many times ends up without checks and balances (and eventually misused).
This is really good.
.
Doing good, thank you. How about yourself? Sanju, with all these candies you are throwing at us, I am thinking that you might be the one my parents used to warn about (dont talk to strangers who offer you candies). So now I am very scared, you seem to have taken quite a liking to my thoughts, which scares me too (rest assured, I called dateline NBC too!, Chris Hansen is a nice person to talk to).
You want to discuss more, well there is a problem, I am not a debater. I never won any debating contests. I see the points all of you are making, and, while I can understand where from it is coming. On a bleak day, I do commiserate with it - heck I do sometimes even cross over to play the devils advocate (Note: it is an expression, I am not saying we Indians are devils (I need to clarify, because there are some who take literal meaning at times)), but in the end, I have to come back to the quota being an enabler to control the "rush" of applicants.
Some have said that EB is based solely on "merits", and that I am inventing my own intent (of diversity). No I am not, look it up. The per-country quota system is mentioned in the statues even before family or EB is discussed. Family based immigration have the per country quota too (why should an Indian Family suffer for X years, while families of other countries are able to unite sooner), but I dont see that we asked to remove the the quota completely. We only asked for removal in EB (but that is deviating from the topic).
I am not anti-immigrant, just because I argue against some provisions does not make me anti-immigrant (well the same charge will be leveled against us by CIR folks because we dont take/support their approach), and no I dont yet have my GC. I may be whatever, but I will not burn the bridge after crossing it (though I have been known to burn the bridge while I am still on it).
Yes, laws can (and shall) be changed, but can't we discuss the good and bad of what we are changing? I have seen many a legislation that have good intent at heart, but many times ends up without checks and balances (and eventually misused).
more...
paskal
05-24 10:06 PM
May be US corporations can tactically support this bill because this bill will impact Indian bodyshoppers severly. For past 5 years US companies could not compete with Indian companies as they have more leverage on H1b. Now if Indian companies avoid H1b US companies can get any time they want as they can satisfy most of conditions
that you have this marvelous full time job with an american company and are so very holier than thou...
btw i have a job like the one i described above, but preaching does not come naturally to all of us i guess.
i'd like to know if you care a crap about anyone whose life is likely to be severely shaken up by the things you propound here. remember they are simply innocent bystanders, they neither made laws, nor bent them. just tool jobs offered and did their work...
that you have this marvelous full time job with an american company and are so very holier than thou...
btw i have a job like the one i described above, but preaching does not come naturally to all of us i guess.
i'd like to know if you care a crap about anyone whose life is likely to be severely shaken up by the things you propound here. remember they are simply innocent bystanders, they neither made laws, nor bent them. just tool jobs offered and did their work...
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sbabunle
09-14 12:46 PM
http://www.govtrack.us/congress/bill.xpd?bill=s109-2691
above link give more info about the bill and legislative activities
in a condensed form.
above link give more info about the bill and legislative activities
in a condensed form.
more...
singhsa3
07-15 08:16 AM
pmb76,
Can you please call on any of the core members before proceeding. And let us know that the outcome was
I don't know what this petition is going to do. Atleast it will convey to CNN top brass that there are people out there who won't tolerate such lies. Maybe it won't do anything now but we must continue our efforts and oppose such false propagation of information whenever we can.
Can you please call on any of the core members before proceeding. And let us know that the outcome was
I don't know what this petition is going to do. Atleast it will convey to CNN top brass that there are people out there who won't tolerate such lies. Maybe it won't do anything now but we must continue our efforts and oppose such false propagation of information whenever we can.
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anzerraja
07-19 08:45 PM
There is a funding drive in this other thread towards reimbursing Aman's expenses.
http://immigrationvoice.org/forum/showthread.php?t=10708
Could you please pledge an amount ?
Amanbhai,
Thank you so much, you got the leadeship skill, man go for it......
http://immigrationvoice.org/forum/showthread.php?t=10708
Could you please pledge an amount ?
Amanbhai,
Thank you so much, you got the leadeship skill, man go for it......
more...
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gcisadawg
04-09 03:17 PM
not sure, but one doctor said its absolutely OK to get a TB test during preg...so we looked for an other doc...
OK, it seems like it depends on the doctor. Anyways, i'll check with my immigration doctor and see what happens.
OK, it seems like it depends on the doctor. Anyways, i'll check with my immigration doctor and see what happens.
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H1B-GC
02-13 03:40 PM
Core : keep up the goog Work.
more...
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rck4evr
01-31 11:07 AM
Done and forwarded to all my friends.
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alapkd
08-26 10:37 AM
Banking service is still way behind in comparison to US institutions. ICICI has to compete with nationalized banks in terms of competency and customer service so they surely do better but it is highly openly discriminatory depending on how valuable they think you are to them. Something that exists here but is very transparent. But I am sure ICICI has engaged in many questionable practices from marketing to collection, there have been some lawsuits as well against them.
more...
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alterego
12-22 06:45 PM
Guys, please make mention about the wastage of estimated over half a million visas over the last decade due to bureaucratic and processing inefficiencies at the USCIS, while we have been waiting patiently.
The best outcome for us in all honesty would be a visa recapture legislation to get those of us at the 485 stage out of the system.
The best outcome for us in all honesty would be a visa recapture legislation to get those of us at the 485 stage out of the system.
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go_guy123
05-25 10:40 AM
Good Info OP!
Good development. Lets see whether they follow up on this or not.
CIR is difficult due to political landscape. piecemeal approach has the
most likelihood of success especially it is attached to FB category.
On the downside, such bills are tabled every year and they die a natural death.
Visa recapture since 1992 might greatly reduce the backlog.
Good development. Lets see whether they follow up on this or not.
CIR is difficult due to political landscape. piecemeal approach has the
most likelihood of success especially it is attached to FB category.
On the downside, such bills are tabled every year and they die a natural death.
Visa recapture since 1992 might greatly reduce the backlog.
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fromnaija
07-21 06:56 PM
For me the frustrating aspect is that my first son is in college. Arizona State University is forcing me to pay out-of-state fees and have stated that I could only pay in-state tuition after filing I-485! So the money I could have invested in business is going to college tuition. Another son is in senior class in high school and will be going to college next year. Yet another son will be going to college in 2008.
I have thought of going back to Nigeria but I'll like my sons to finish college here. So, I have decided to stay until I get GC. My wife and I are both studying for Masters (another big expense for us!).
We spend most of our time between studies, volunteering and other community activities.
Could others on this forum who have college-age kids tell me how they and their families are coping with expense of college tuition?
I have thought of going back to Nigeria but I'll like my sons to finish college here. So, I have decided to stay until I get GC. My wife and I are both studying for Masters (another big expense for us!).
We spend most of our time between studies, volunteering and other community activities.
Could others on this forum who have college-age kids tell me how they and their families are coping with expense of college tuition?
ajmalnasar
06-15 06:14 AM
To raaj2007, just getting an EAD does not nullify your H1, but if you use EAD you loose H1. Go and check with your attorney. If you use EAD you cannot enter US using H1 or H4, you have to use Advance parole.
Adding to the replies to other post
(i) I heard after filing 485 I could change employers? Yes or no? If yes, then which state would I be in? (EAD, AP or none)?
Answer - You can change employer after 180 days of pending 485 using AC 21 and you would be in EAD and use AP to enter US
(ii) After filing 485, do I HAVE to get my wife into US before the dates retrogress again?? Whoa never heard that...are you sure?
Answer -Yes, if you dont, you would not be able to file for her if the dates retrogresses again, also to file 485 for your wife , she should be in US at the time of filing 485.
(iii) Is there no step after 485 filing that I can keep postponing to not let 485 approve (like delaying 485 fingerprinting multiple times) so that I can let 485 approve only after I am married and can bring my wife in?
Answer - No, you cannot postpone it on your own will. But if your marriage date is before 485 approval (even one day) and tour wife could not make it to US, she can come to US using follow to join process. That process is also available if PD are current. In that scenario you ask USCIS to send US consulate in India to send a notice that the principal applicant's 485 has been approved and since the marriage was before 485 approval, she should be called for Interview at the US consulate in India and given the immigrant VISA, The Follow to join process is like Consular Processing.
Hope I answered your doubts.
Adding to the replies to other post
(i) I heard after filing 485 I could change employers? Yes or no? If yes, then which state would I be in? (EAD, AP or none)?
Answer - You can change employer after 180 days of pending 485 using AC 21 and you would be in EAD and use AP to enter US
(ii) After filing 485, do I HAVE to get my wife into US before the dates retrogress again?? Whoa never heard that...are you sure?
Answer -Yes, if you dont, you would not be able to file for her if the dates retrogresses again, also to file 485 for your wife , she should be in US at the time of filing 485.
(iii) Is there no step after 485 filing that I can keep postponing to not let 485 approve (like delaying 485 fingerprinting multiple times) so that I can let 485 approve only after I am married and can bring my wife in?
Answer - No, you cannot postpone it on your own will. But if your marriage date is before 485 approval (even one day) and tour wife could not make it to US, she can come to US using follow to join process. That process is also available if PD are current. In that scenario you ask USCIS to send US consulate in India to send a notice that the principal applicant's 485 has been approved and since the marriage was before 485 approval, she should be called for Interview at the US consulate in India and given the immigrant VISA, The Follow to join process is like Consular Processing.
Hope I answered your doubts.
delhirocks
07-14 05:33 PM
Good to know...good job guys...
Just got back from the rally, i would say it was a big success. Media coverage on the issue was fantastic. I saw the ABC7 news truck. There were many reporters from SJ Mercury news, SF Chronicle etc. Crowd was good, dont want to speculate on numbers yet but we should have an official word soon.
Police were very friendly. The crowd was very enthusiastic and also obeyed the rules. All of us stayed on side walks. Logiclife and Frankilin among others were there. Many reporters spread out and spoke to people.
Lot of members from another groups called Immigration Rights also joined us.
We got lot of honks. !!!!!!!!!!!!!!!!!!!!!!!!!1
Great JOB IV and everyone.
A
Just got back from the rally, i would say it was a big success. Media coverage on the issue was fantastic. I saw the ABC7 news truck. There were many reporters from SJ Mercury news, SF Chronicle etc. Crowd was good, dont want to speculate on numbers yet but we should have an official word soon.
Police were very friendly. The crowd was very enthusiastic and also obeyed the rules. All of us stayed on side walks. Logiclife and Frankilin among others were there. Many reporters spread out and spoke to people.
Lot of members from another groups called Immigration Rights also joined us.
We got lot of honks. !!!!!!!!!!!!!!!!!!!!!!!!!1
Great JOB IV and everyone.
A
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