#benefits

When you tell your manager you’re not relocating, will they terminate you or force you to resign? What’s better from a benefits standpoint?

Was there for quite a while paid upwards of $1300 a month for many many years.

Deductibles were high, even on the plan where they deductible was the least amount.

Prescriptions were expensive, even with that insurance.

Post Baker Hughes I’m coming to realize that their insurance was not all that great..

Now at a different employer with their insurance, it’s 1/3 cheaper per month deductibles are very, very low and prescription medicine is cheaper.

I heard it mentioned that over-60s get extended Cobra, but I wasn't able to confirm it yet.

I just joined the company. The recruiters talked up the benefits including insurance. Now I can’t seem to find a dentist who takes our Delta Dental insurance. Is there a shortage of dentists in Houston or is Delta Dental just garbage insurance?

Does anyone have the address to send the elections form to for COBRA acceptance. I accidentally tossed the envelope it came in and don't know where to send the form.

How does the severance turn out if extended into 2027- do you more? Do take the original severance and still earn a paycheck? Pro rated bonus for 2027 apply? Anyone know

My thought is so many of us applied that they couldn't hold up their end of benefits for everyone to depart in Sept. The added dates allow at least one large depart per quarter for a full year! If we quit between now and our separation date - OVER A YEAR FROM NOW (!!!!!!!) they don't have to pay us anything!

I was approved for VSP with a 3/19/27 separation date. The email says my severance benefits will be recalculated based on years of service as of 1/31/27. Anyone know why this is not calculated based off my time at the company as of my actual separation date?

It's fun and funny to be off work while still getting paid and receiving benefits. I just wanted to thank everyone for funding my life of leisure.

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I'm not staying just for a paycheck anymore. I want self-worth, a non-toxic environment, and a salary plus benefits that reflect what I'm worth.

I have been looking at the lantern surgery/cancer care card and it requires bariatric surgery just to be able to get that healthcare covered.

What a joke

What kind of cr-ppy insurance is that!!!

Does VZ allow retirement-eligible employees to decline a rebadge so they can be treated as if it were an involuntary separation and retire effectively, preserving all the retirement benefits?

Hopefully someone here has first hand knowledge.

I apologize if this has been asked already, but I could not search by subject. This question is for anyone who has received their final severance pay Did you receive any information regarding Cobra once severance ended? Has anyone signed up for Cobra once your severance benefits ended? Thank you.

I was ‘laid off’ (UK) and had purchased travel insurance as a benefit. Is anyone able to provide details of the provider/group group policy number as having trouble locating.
Many Thanks.

I retired from T and I got a better deal on a cell phone from mint mobile. I went looking ...................... before they cut me off my copper land line .

You can call them to let them know you don't want to continue Cobra. Or you can just ignore the bills if you don't feel like wasting half an hour on the phone.

Has anyone in Dell's Sales organization thought about starting a union or organizing with other sales representatives?

A union helped many Amazon employees secure higher compensation and improved benefits. I'm curious if others have considered whether organizing could help address some of the issues sales employees are experiencing at Dell.

For too long, Dell has failed to treat its sales employees fairly. Many of us have gone months without receiving our full commission payouts due to issues with compensation systems. Bonus payments have been mishandled, base pay has been reduced to levels that many find unsustainable, and the list of concerns continues to grow. The company loves to share how well they are doing, but has endlessly demonstrated a lack of care for its sales representatives......

We deserve fair compensation and to be paid out correctly.Tell Dell surveys alone are not enough. It's time to build a union that advocates for employees' rights.

There is strength in numbers. I'm thinking of starting one, and I am curious if there's others that would be willing to support.

If former employees would like to help, they can help us with change petitions and obtaining national press.

Whoever had the idea to bring on a dog as the Chief Pawsitivity Officer is a genius. She’s super cute and everyone loves her. She has a fan clubs. Great distraction to the fires burning all around the Association as they lay folks off and cut back on benefits, etc.

First thank you to this community for all the early info & giving me the confidence that I wasn’t alone in feeling this way.

9 year g-n who interned and hired on. The company has changed and I’ve finally had enough.

Couple questions for this board:

• what vacation is payed out? Should I take all my comp & carryover?
• is there a practical way to negotiate the annual compensation value of the pension with new company? Pension tool not helpful
• print out any important health documents
  Any other tips?

Also, for those wanting to leave… yes it’s not the post covid market, but there are companies looking for talented employees. If you are here you are talented and will be valued elsewhere.

Ask around and you'll hear real frustration. With Gunjan/leadership, with direction, with a culture that's betting worse, high workloads, burnout.... But turnover is basically nothing. People stay for years, sometimes decades.

That's a weird combo. Usually when people are this unhappy, they leave. So what's actually keeping everyone here?

My guesses:

Golden handcuffs. Pension, benefits, tenure perks that are hard to walk away from
Grass isn't greener thinking. Assuming other places have the same problems anyway
Complaining isn't the same as job hunting. Sometimes it's just how people vent
Not a lot of comparable roles nearby to jump to

Anyone who's been here a while, what's actually kept you?

This is just a general question for retail workers, especially Sams Club workers. As a long time associate, I have never entertained the idea of leaving until the last few years. However being there for as long as I have, with established vacations, and PTO, and of course insurance, it feels as if my hands are tied and I should just su-k it up. I am not happy as to the way the direction of this company has gone, or the leadership within the walls of my store. I don't want to sound like a je-k, but I feel as if I so much better then where I am currently stuck at. That I am wasting possible untapped potential. I know that many of you probably know the feeling or may be struggling with the same internal fight. To take a leap into the unknown feels a bit scary, since I am unsure of what to go into next? But I also know that I am suffocating where I am at. And don't want my life to pass me by, knowing I could have been more. Has anyone here successfully navigated away from Sams Club? To put into context, I am a 22 year associate.

seems like they are firing mainly developers due to cost reductions / the on going climate and moving developers to India. everyone's benefits were terminated and at midnight and were given the a standard bare bones severance.

Quick question. We are salary employees, we have recently been required to work holidays with only a 15% diff, if the holiday fall on the weekend. If it falls during the week we get no additional money. Also we are required to stay late, people are missing lunches and breaks to get all the required work completed. However if there is no work in the queue we are still held to the same production metrics. Now we have recently found out that if for some reason we have a loss of power or internet access, we must flex the hours or take pto. It seems like the salary benefits only favor the company and leaves the employees with no work life balance.

25 union members who are collection reps just got the vtp (voluntary termination pay) to leave the company. This is up to 104 weeks pay depending on seniority. This is only the beginning. It is expected that more will be surplussed until all union workers in Leg T are gone. Luckily for them however, they get a generous package to move on, thanks to the union negotiated contract. The payout, including money and medical, dental and vision benefits is much better than the severance pay that low level managers get. Too bad for them. Sooner or later, we'll all be laid off.

How long does employee discount on phone last after getting laid off?

Not left vs right. This is up vs down.

1. The “manager” title with no direct reports. Federal labor law excludes supervisors from union eligibility, so titling people into that bucket without giving them real authority shrinks who’s even allowed to organize. In a store that’s two assistant managers and a store manager who can’t organize while the reps under them can. Go up the chain and it never stops. District manager can’t. Senior director can’t. VP can’t. It is not accidental who ends up on which side of that line.

2. Coordinated response when union talk starts. Extra staffing so people can “take time off,” sudden one on ones to “hear concerns,” the moment a store shows organizing interest. That is a known playbook, not something that happens organically.

3. The “one unionized store” comparison. “See, nothing’s different, they just pay dues.” That is not proof unions do not work. It is proof one isolated store has no leverage. Power comes from density, not outliers. Funny how those stores rarely get closed while unionized.

4. Reorgs as the vehicle for cuts, not the goal. The org chart does not change because the new structure is better. It changes because headcount needed to shrink and restructuring is the mechanism. “Right sizing” language usually means the number came first and the chart is just catching up.

5. Benefits eroding slowly enough that no single year feels like the moment. Vacation accrual caps shrinking. Tuition assistance cut in half. Stock and incentive programs trimmed. Healthcare costs climbing. Pensions that used to exist for a subset of employees, gone for new hires. None of it happens all at once, so it never feels like a breaking point. It just feels like death by a thousand cuts. This is exactly the kind of thing that gets written into a contract instead of quietly decided for you year after year.

6. Pay secrecy norms. Talking about your raise percentage, your review score, or your pay band feels taboo, even though discussing wages with coworkers is explicitly protected activity.

7. “Family” language. Reframes an adversarial labor conversation as disloyalty to “the team.”

8. The word “union” itself gets the stigma, not the concept. Strip the label and it is just organizing together for bargaining power. People used to have real leverage in the workplace. Now the default is asking nicely for more while getting handed less.

9. The designated fall guy. Bring in a leader on a short runway whose whole job is the unpopular cuts. Once the hard part is done, a successor comes in and gets to be the relief, thank god it is not like it used to be, while the structural cuts already happened.

10. Manufactured internal strife. Departments blaming each other instead of recognizing everyone is on the same side of this. Division between departments is a lot more useful to leadership than solidarity across them.

11. “Savings” from layoffs are often not real savings. Convert corporate stores to franchise and the labor cost doesn’t disappear, it shifts to an indirect operator while the company still takes its cut. Lay off tenured people and rehire for the same functional need at a lower rate, and headcount looks similar in six months but the average cost per employee dropped because tenure and its pay got reset to zero. That’s not reduced need for labor. That’s wage suppression using a layoff as the delivery mechanism.

One more thing worth saying plainly. Not every union is a good union. Organizing does not automatically mean your interests are protected. Corruption can creep into any institution, including the ones built to fight for you. That does not make the underlying idea wrong. It just means accountability does not stop once something is organized, it just shifts to a different table. Our own FIOS and wireline employees are already organized through CWA. It’s not a foreign concept here.

Now let’s talk about “the company isn’t making money”

Verizon has reported a profit every single year since at least 2001. Not one loss year, through the 2008 financial crisis, through COVID, through every merger. 2020 net income was $17.8 billion. 2021 was $22.1 billion, the highest of the decade. Those were not sacrifice years where the company ate a loss to protect jobs. Those were some of the most profitable years the company has ever had.

2025 net income was $17.6 billion. Dan Schulman’s 2025 total compensation was $34.3 million, on a new contract that includes performance equity worth up to $59.5 million more. The six highest paid named executives combined made about $120 million in 2025, and that’s only the publicly disclosed portion of the leadership team.

Where does the profit actually go? $11.5 billion in dividends paid to shareholders in 2025. A $25 billion stock buyback authorized on top of that. Buybacks don’t hand cash to executives directly, they buy shares on the open market mostly from large institutional holders like index funds and pension funds, while propping up the stock price for everyone who keeps holding. Compare that to the severance cost of the November layoff of 13,000 people: $1.6 to $1.8 billion, a one time charge that’s smaller than what gets paid out in dividends alone in about six or seven weeks.

Yes, some of the money goes back into the network. $17 billion in capital expenditures in 2025. That’s real and legitimate. But that number is also being cut for 2026, down to $16 to $16.5 billion, because the heavy build phase is mostly done. Meanwhile the buyback authorization just grew.

If someone tells you layoffs are happening because the company can’t afford to pay people, that claim does not survive contact with the company’s own numbers.

So what’s the actual moral here

This was never about whether the company can afford to treat people well. It’s about a choice, made over and over, about where the money goes. And the tools used to make that choice feel inevitable, the misclassified titles, the reorg-as-cover, the stigma on the word union, the vague streamlining language, all serve one purpose: making a distributional choice look like a structural necessity. Making “we decided you get less so someone else gets more” sound like “there wasn’t enough to go around.”

US union density peaked around 1954 at roughly 35% of all workers. Today it’s about 9%. Most people in this workforce right now grew up hearing “we don’t need a union, look how well we’re treated,” during a period when that was actually true. That belief never got re-examined as conditions changed underneath it. We’re applying an old conclusion to a reality that no longer matches it.

Is it going to be perfect if we organize? No. But right now we’re fighting each other instead of the actual problem, and giving away power for free in the process. Density is the only thing that turns this from a list of grievances into actual leverage at an actual table. We’re all in the same boat here, just on different floors. What would it take to stop having this conversation store by store, department by department, and start having it together?

Does anyone know or from last round know this. If you take the severance, for example if I get paid out for 20 weeks, do I still qualify for six months unemployment or will it be six months minus the 20 weeks that Verizon paid me severance for?

Who's winning, who's losing?

Why is no one talking about how bad the new plan is with United Healthcare? I don’t know what I did to make Abby hate me so hard but seriously this is the insurance company we have a contract with?!?!

Has anyone that applied for the VSP received a call from Fidelity to talk about their 401K

I was thinking of switching to an HSA next enrollment. Are we allowed to transfer our funds from the employer-sponsored HSA to a different service provider (like Fidelity)? I've never had an HSA so I was curious about the process.

Curious if anyone has received their 401k settlement deposit. If so, are you still an active employee, or are you a past employee with a still-active Empower 401k.

I want to make sure I maximize all the benefits ford has to offer before I give notice. Use recognition points , wellness account reimbursement, etc.

What do you recommend doing? Any other tips before telling my boss?

I understand that if you accept severance over time instead of a lump sum payment, you can keep your medical/dental/vision benefits. Does anyone know if those are going to be the same rates as when I was employed or will it be at the higher COBRA rates? Trying to determine if I should just lump sum it and go on my spouses benefits

When do we receive PSP need to buy a couple of shoes for my kids at Nike store

Does Bill prefer Freddie?

Definitely an excellent move my HR, thank you.

Has anyone successfully negotiated or countered the severance offer? If so, did Humana accept your counteroffer? I’d also be interested in hearing what you negotiated (such as additional pay, extended benefits, or other terms) and whether you felt the process was worthwhile.