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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go_gc_way
06-07 09:41 PM
I think , of what Mr. Logic Life said summarizes and represents the state of us all , who wish to obtain a Green Card and are on H, L ect. VISAS.
I think, It is absolutely right "We deserve fair and speedy immigration.".
Opportunity of working in America is great ... but when skilled professionals will have to choose H1,L1 or GC , they land in an unpleasant experience, that goes on for ever until they obtain their GC.
I think, It is absolutely right "We deserve fair and speedy immigration.".
Opportunity of working in America is great ... but when skilled professionals will have to choose H1,L1 or GC , they land in an unpleasant experience, that goes on for ever until they obtain their GC.
prajwal123
07-18 08:30 PM
485 Applied -- July 2nd
Status -unknown
Status -unknown
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guyfromsg
07-18 09:06 PM
Interesting!!!
I didn't know this...
This is applicable when 140 has been approved. If 485 is retrogressed then you will get 3 year extension. If it's current you will get 1 year extension. Guess depends on luck. For e.g if some one has applied for extension in July he/she will now get only 1 year. I found this in a lawyer's chat transcripts.
I didn't know this...
This is applicable when 140 has been approved. If 485 is retrogressed then you will get 3 year extension. If it's current you will get 1 year extension. Guess depends on luck. For e.g if some one has applied for extension in July he/she will now get only 1 year. I found this in a lawyer's chat transcripts.
more...
mirage
03-10 05:01 PM
74K EB-3 applications and 70K EB-2 application you are saying it is too good to be true ?? With 3300 Green Card numbers in each category, you are looking at 22 Years for EB3 and about 17 years wait for EB-2. Also probaly you did not download the file, It is from Sen. John Kyle of AZ.
In my view, it is too good to be true. But we have no way to challenge the numbers either. But it is 50% of the entire EB pending cases. Is this document authentic?? I don't see the logo on the letterhead??
In my view, it is too good to be true. But we have no way to challenge the numbers either. But it is 50% of the entire EB pending cases. Is this document authentic?? I don't see the logo on the letterhead??
gaz
09-17 02:17 PM
more like swapping old stories about their personal lives..:(:mad:
yeah..they are discussing another amendment..Yawnnnnnnnnnnnnnnn
yeah..they are discussing another amendment..Yawnnnnnnnnnnnnnnn
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manojp4
06-15 07:59 PM
Again, including her name on your I-485 application would not help her to "get into the queue". You need to file another I-485 for her and you can only do that if she is physically present in the US. (you need the I-94 card). You could have the court marriage in July and bring her here on an H4 or other visa, and then file for her I-485 as well.
I am in a similar boat as you, except my ritualistic wedding would be in Aug and I am banking on the hope that the dates would still remain current for August.
[QUOTE=manojp4]You cannot do CP for your spouse unless your I-485 is approved (an immigrant visa number is available for you). That is why the adjustment of status within the US is so much more preferable for most people - it lets you and the spouse get the EAD and start working without waiting for the approval of your GC.
Thanks manojp4, appreciate your help. Just to clarify my doubt, she would need to file a 485 anyhow, before the dates retrogress again, right. Would it matter if I included her name in my filing, along with the marriage certificate. I guess all I am trying to understand is I know 100% that I will be married before I file, would that help her in anyway, lets say if the dates retrogress in August and she cannot file till then.
I am in a similar boat as you, except my ritualistic wedding would be in Aug and I am banking on the hope that the dates would still remain current for August.
[QUOTE=manojp4]You cannot do CP for your spouse unless your I-485 is approved (an immigrant visa number is available for you). That is why the adjustment of status within the US is so much more preferable for most people - it lets you and the spouse get the EAD and start working without waiting for the approval of your GC.
Thanks manojp4, appreciate your help. Just to clarify my doubt, she would need to file a 485 anyhow, before the dates retrogress again, right. Would it matter if I included her name in my filing, along with the marriage certificate. I guess all I am trying to understand is I know 100% that I will be married before I file, would that help her in anyway, lets say if the dates retrogress in August and she cannot file till then.
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alterego
10-06 10:01 PM
Property prices will soften worldwide. Though as someone pointed out many purchases in India are not credit based, so it may not be as bad there as there would be limited forced selling, though from what I have heard sales have and will slow markedly, another point to consider is that India has a population pressure like nowhere else in the world, as long as people can buy they will continue to do so.
It is also the case that the Indian economy is very much dependent on the US economy as much of the exports are to the USA, but the domestic economy is stronger than China. India can and perhaps will spend their 300 Billion dollar reserves in this down cycle for infrastructure development projects which should keep the domestic economy going.
An interesting thing is that the Indian Rupee is falling vis a vie the Dollar. I've heard it is because of hedge funds and other investors liquidating Indian assets to bring them back to the US where they have more pressing needs in a rapidly deleveraging system.
I would say that Property prices in India have adjusted downward by 15% or so already and will perhaps go another 10% but maybe not much more. I'm also hearing that the bigger hit is in the above 35 lakh properties, below that prices are holding up better.
Additionally if you are planning to buy from your savings/borrowings in the USA then you could benefit from the exchange rate, which is already nearly 25% better than a few months ago. Especially if you consider your situation shaky in the USA, it is an option worth considering. Given the US authorities can't seem to make up their minds whether they want us here, I can't see the sense in buying homes here, atleast buying there, you can ride out a market.
It is also the case that the Indian economy is very much dependent on the US economy as much of the exports are to the USA, but the domestic economy is stronger than China. India can and perhaps will spend their 300 Billion dollar reserves in this down cycle for infrastructure development projects which should keep the domestic economy going.
An interesting thing is that the Indian Rupee is falling vis a vie the Dollar. I've heard it is because of hedge funds and other investors liquidating Indian assets to bring them back to the US where they have more pressing needs in a rapidly deleveraging system.
I would say that Property prices in India have adjusted downward by 15% or so already and will perhaps go another 10% but maybe not much more. I'm also hearing that the bigger hit is in the above 35 lakh properties, below that prices are holding up better.
Additionally if you are planning to buy from your savings/borrowings in the USA then you could benefit from the exchange rate, which is already nearly 25% better than a few months ago. Especially if you consider your situation shaky in the USA, it is an option worth considering. Given the US authorities can't seem to make up their minds whether they want us here, I can't see the sense in buying homes here, atleast buying there, you can ride out a market.
more...
chaanakya
08-13 05:41 PM
Yes, that is right, I said �plight of EB2-India�.
I am a passive observer of these forums. But some of the ridiculous notions floating around here have motivated me to vent. First and foremost, the law as written is highly favorable to people in EB3 categories, even from India. Here is how...
Take my example (and there are thousands like myself)....came to the US 8 years ago, spent 5 years working day and night to earn a PhD on a low (barely sustainable) stipend, got FIRST job saw decent money for the first time 6 years after I came.
Now, compare this to a person working an EB3-job for the last 8 years. Not only does this person do a real job that hopefully provides a respectable income but this person also has the option of moving to EB2 after 5 years of experience. So, at the end of the day in 2008; this person comes out ahead of me in terms of money, in terms of priority date (if ported) and most likely in terms of GC.
There are complaints all over the forum which have the stink of pretentiousness such as �oh..i am a poor EB3 waiting for n number of years� etc etc. What you guys seem to forget is that YOU are NOT an EB3, it is your JOB that is EB3. You have all the opportunities that were/are available to a person who sweated it out in the university system here to gain more qualifications and get an EB2 job. You CHOSE not to. The general discussion seems to center around cribbing about the US immigration system (Immigration by the way is a privilege defined by laws, not a birthright) and then blaming the EB2 crowd when they finally see the system implement the law as intended in the first place (horizontal spillover rules).
All these posts that refer to �my career is over because my gc is delayed� are nothing but a pathetic excuse. Law of supply and demand....if you have a skillset that is valuable, you will be fine with or without GC anywhere in the world. It takes a bunch of documents to remain here legally, all you need is a passport to go back if the system here seems so bad.
For all the attacks that are bound to happen, here is the fodder.....this is probably my first and last post, I haven�t contributed a dime to IV, will work here as long as I like it and if not, India is a great country and provides enough opportunities for any skillset !!
I am a passive observer of these forums. But some of the ridiculous notions floating around here have motivated me to vent. First and foremost, the law as written is highly favorable to people in EB3 categories, even from India. Here is how...
Take my example (and there are thousands like myself)....came to the US 8 years ago, spent 5 years working day and night to earn a PhD on a low (barely sustainable) stipend, got FIRST job saw decent money for the first time 6 years after I came.
Now, compare this to a person working an EB3-job for the last 8 years. Not only does this person do a real job that hopefully provides a respectable income but this person also has the option of moving to EB2 after 5 years of experience. So, at the end of the day in 2008; this person comes out ahead of me in terms of money, in terms of priority date (if ported) and most likely in terms of GC.
There are complaints all over the forum which have the stink of pretentiousness such as �oh..i am a poor EB3 waiting for n number of years� etc etc. What you guys seem to forget is that YOU are NOT an EB3, it is your JOB that is EB3. You have all the opportunities that were/are available to a person who sweated it out in the university system here to gain more qualifications and get an EB2 job. You CHOSE not to. The general discussion seems to center around cribbing about the US immigration system (Immigration by the way is a privilege defined by laws, not a birthright) and then blaming the EB2 crowd when they finally see the system implement the law as intended in the first place (horizontal spillover rules).
All these posts that refer to �my career is over because my gc is delayed� are nothing but a pathetic excuse. Law of supply and demand....if you have a skillset that is valuable, you will be fine with or without GC anywhere in the world. It takes a bunch of documents to remain here legally, all you need is a passport to go back if the system here seems so bad.
For all the attacks that are bound to happen, here is the fodder.....this is probably my first and last post, I haven�t contributed a dime to IV, will work here as long as I like it and if not, India is a great country and provides enough opportunities for any skillset !!
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InTheMoment
04-28 12:46 AM
Thanks for the compilation.
Also, in the do_not _register_to_vote point, add: One should not even verbally claim that they are a US Citizen (obviously especially when you are dealing with law enforcement, state and federal agencies). If proven it would essentially strip one of the GC status, make ineligible for naturalization and all set to be in line for deportation.
Secondly, add the point about updating the I-9 if you are employed.
That said, with the AC21 portability, once an employee is working in the sponsor company for more than 180 days after I-485 filing (and possibly years before that) the issue of staying on with the sponsor for 6 months to 1 year is a completely moot point!
Unless I need to show it in travel or elsewhere, I never carry my GC with me at any time, nor will I in the future until I see exceptional enforcement on this. As you mentioned there is a law on this but it letter of law is a bit debatable. There are many competent attorneys (whether correct or not) who have suggested that having it in possession at all times means that you should be able to get it easily. I have my A# in my memory and in a confidential e-mail, that would suffice.
In the event one loses it if carried on person, who would want to get into the trouble of applying for replacement (especially when one has an impending intl. travel). Further I will do everything possible to loose least possible info (incl. A# on the GC) out to the ID theives who get hold of my wallet.
Also, in the do_not _register_to_vote point, add: One should not even verbally claim that they are a US Citizen (obviously especially when you are dealing with law enforcement, state and federal agencies). If proven it would essentially strip one of the GC status, make ineligible for naturalization and all set to be in line for deportation.
Secondly, add the point about updating the I-9 if you are employed.
That said, with the AC21 portability, once an employee is working in the sponsor company for more than 180 days after I-485 filing (and possibly years before that) the issue of staying on with the sponsor for 6 months to 1 year is a completely moot point!
Unless I need to show it in travel or elsewhere, I never carry my GC with me at any time, nor will I in the future until I see exceptional enforcement on this. As you mentioned there is a law on this but it letter of law is a bit debatable. There are many competent attorneys (whether correct or not) who have suggested that having it in possession at all times means that you should be able to get it easily. I have my A# in my memory and in a confidential e-mail, that would suffice.
In the event one loses it if carried on person, who would want to get into the trouble of applying for replacement (especially when one has an impending intl. travel). Further I will do everything possible to loose least possible info (incl. A# on the GC) out to the ID theives who get hold of my wallet.
more...
sts_seeker
03-19 12:38 PM
Hi All,
Would you guys are willing to share any sample letters that you have used to reply for your I140 Rfe from CPA stating that Company has ability to pay. I am not sure what are the contents it should have ?
Also does anyone know who can provide this kind of service?
Thanks
Would you guys are willing to share any sample letters that you have used to reply for your I140 Rfe from CPA stating that Company has ability to pay. I am not sure what are the contents it should have ?
Also does anyone know who can provide this kind of service?
Thanks
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optimist578
04-09 01:31 PM
How do I find out if there has been a Soft LUD? I have an online account on uscis.gov and the "Last Updated" fields are all in 2007 (when I filed my AOS).
more...
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StuckInTheMuck
05-01 10:00 AM
That's interesting...from my visits to various threads and from wait times of my friends (3 to precise) who recently got naturalized, the average time after receipt of N-400 to taking oath is around only 4 to 5 months.
Good to know, thanks. Maybe we were reading different threads :) One thing though, because of the heavy rush of citizenship filing in 2007, combined with the election-year pressure of 2008, petitions were fast-tracked in recent years. There are so many confounding factors, anything is possible.
Good to know, thanks. Maybe we were reading different threads :) One thing though, because of the heavy rush of citizenship filing in 2007, combined with the election-year pressure of 2008, petitions were fast-tracked in recent years. There are so many confounding factors, anything is possible.
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priti8888
07-26 12:16 AM
Hi Priti, thanks for the reply. However my fear is that what you say is not true. I am on my 7th yr extension of H1B and my lawyer has told me that once I apply for 485, I can NOT keep renewing my H1B. That is why he insisted on applying for AP.
Is this information correct? Can someone PLEASE clarify??? :confused:
As far as I know you can extend your H1B by 3 years IF you have your I485 receipt number.Ask your lawyer about this.
well the problem will be that inspite of your 485 pending status..u will not be able to take advantage of EAD. Once you start using EAD your spouse's non-immigrant visa status(H4 status) will become invalid. That means once you work on EAD you will not be able to bring your wife here. As long as you do not work on EAD, you can have both H1(3 years) and EAD. .
If your PD is eb3 India 05 or 06 you dont have anything to worry about for at least a year or two.
Is this information correct? Can someone PLEASE clarify??? :confused:
As far as I know you can extend your H1B by 3 years IF you have your I485 receipt number.Ask your lawyer about this.
well the problem will be that inspite of your 485 pending status..u will not be able to take advantage of EAD. Once you start using EAD your spouse's non-immigrant visa status(H4 status) will become invalid. That means once you work on EAD you will not be able to bring your wife here. As long as you do not work on EAD, you can have both H1(3 years) and EAD. .
If your PD is eb3 India 05 or 06 you dont have anything to worry about for at least a year or two.
more...
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Marphad
01-11 01:17 PM
often i'm amazed by the knowledge of some of the posters here...... but more often i get a laugh out of stupid ideas that r thrown around...... for example u want something big.... want to send transcript..... blacking out the name...... if there is no name on the transcript..... how will anyone know if its genuine...... so u r still afraid of someone knowing u'r name... but u want to do something big....... that makes real sense...... if u know what i mean..... then u want someone else to do a rally....... r u going to come to the rally?..... how will u hide u'r personal information when u come for the rally....... maybe time to take out the Halloween nixon mask.... to protect the personal information/identity..... and for the hunger strike.... lets have someone with a nixon mask do hunger strike...... we could just say that its not me who is doing the hunger strike.... its president nixon doing hunger strike on my behalf....... great idea...... by far the best one ;)
There was a user with nick name "Sanju". You sound a lot like him...
There was a user with nick name "Sanju". You sound a lot like him...
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GCmuddu_H1BVaddu
04-04 09:49 AM
Who filed GC for you any way.
whats your point?? He could be from anywhere!! How does that matter with his difficult situation??
whats your point?? He could be from anywhere!! How does that matter with his difficult situation??
more...
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vga_1977
04-18 01:20 PM
Couple of my friends, who have 3 year degrees from India and also have 2 year Masters degree from India, have not been able to apply for EB2. Their lawyers suggested that 3 year degree are a hindernace to get EB2. They both have not tried applying for EB2 and both have active EB3 applications.
My M.C.A was 3 years. this will help?
-vga
My M.C.A was 3 years. this will help?
-vga
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Desertfox
10-04 03:16 PM
Not a single post to counter kumar1's argument!!! I wonder where the interfiling opponent MS/PHDs are gone!:confused:
My post is going to make few MS/Phd people angry over here. Correct me if I am wrong, but when you came here to do MS/Phd, you came on a student visa...Right? Student visa comes under Non Permanent Non Resident alien category. All of you had a burden to prove to the US consulate that after you complete your degree, you would go back to your home country. All of you prepared for that and you knew the moment you said, I might not come back, F1 would be gone! You said this...every time you went back for F1 visa revalidation. Mind you..that H1/H4 never had that burden. They could have easily said that yes, if I like USA, I might not come back.
Now fast forward....MS/Phd is done. Suddenly...."I will go home after MS/Phd" statement is gone..and hunt for H1-B is on! Once they get H1-B, hunt for Green Card starts. Once this heavy head Phd guy, who spent last 5 years on 1500 bucks a month is in GC line....he also realizes that hey, H1-Bs should not be allowed to interfile. After all, they all work for desi consulting companies. Yeah..right! Look who is talking! All H1s should come in EB-3, after all they did not go through 1500 bucks a month for 5 years.
Here comes a Phd guy who always lied to the system saying "I love my home country, my research would do wonders to the society at home" is not leaving any stone unturned to get his GC (faster than anyone else).....tell me, who is inferior? A Phd student who lied to the system for 4/5 years and suddenly changed his intent or an H1-B candidate who never had the burden to prove that he would go back.
All of us are part of this very painful journey! I have spent 8 years on H1-B and I am still waiting for my GC. I work for a desi consulting company, my GC is in EB-3, I have a B.Tech. degree from IIT and I am sick and tired of this GC mess.
My post is going to make few MS/Phd people angry over here. Correct me if I am wrong, but when you came here to do MS/Phd, you came on a student visa...Right? Student visa comes under Non Permanent Non Resident alien category. All of you had a burden to prove to the US consulate that after you complete your degree, you would go back to your home country. All of you prepared for that and you knew the moment you said, I might not come back, F1 would be gone! You said this...every time you went back for F1 visa revalidation. Mind you..that H1/H4 never had that burden. They could have easily said that yes, if I like USA, I might not come back.
Now fast forward....MS/Phd is done. Suddenly...."I will go home after MS/Phd" statement is gone..and hunt for H1-B is on! Once they get H1-B, hunt for Green Card starts. Once this heavy head Phd guy, who spent last 5 years on 1500 bucks a month is in GC line....he also realizes that hey, H1-Bs should not be allowed to interfile. After all, they all work for desi consulting companies. Yeah..right! Look who is talking! All H1s should come in EB-3, after all they did not go through 1500 bucks a month for 5 years.
Here comes a Phd guy who always lied to the system saying "I love my home country, my research would do wonders to the society at home" is not leaving any stone unturned to get his GC (faster than anyone else).....tell me, who is inferior? A Phd student who lied to the system for 4/5 years and suddenly changed his intent or an H1-B candidate who never had the burden to prove that he would go back.
All of us are part of this very painful journey! I have spent 8 years on H1-B and I am still waiting for my GC. I work for a desi consulting company, my GC is in EB-3, I have a B.Tech. degree from IIT and I am sick and tired of this GC mess.
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srikondoji
02-13 05:07 PM
Complaints and complimenets are both important.
I guess, what logiclife is doing is right. It is correct to defend the organization and also respond to personal attacks in a befitting manner.
When i joined this organization, the only thing on my mind was to be part of the force. I was not expecting anything dramatic out of this. I cannot alone do this job, so i thought why not be part of the team which has committed to fight for a just cause.
Instead of infighting, let us unite and offer suggestions for better results.
Best regards
I guess, what logiclife is doing is right. It is correct to defend the organization and also respond to personal attacks in a befitting manner.
When i joined this organization, the only thing on my mind was to be part of the force. I was not expecting anything dramatic out of this. I cannot alone do this job, so i thought why not be part of the team which has committed to fight for a just cause.
Instead of infighting, let us unite and offer suggestions for better results.
Best regards
VINJE76
06-20 12:11 AM
Bah. Skinned the stupid click wheel. What is it with you guys and the click wheel.. IT DOESNT WANT TO BE PAINTED
It is called STICKERS, they go over the buttons.
It is called STICKERS, they go over the buttons.
gjoe
11-01 03:52 PM
If we can understand why most of us want a GC we can understand the poll better.
In my opinion most of us here want the GC because we want to change jobs for better pay, better professional growth, to live in a better place, better work environment, etc, the list can be endless. ( I guess if you don't have all these then you don't have freedom)
If we can get our GC's no matter with which employer we work as long as we do our job ( as mentioned in our LC) we will not be bothered too much about our GC process ( We are dependent on our employer sponsoriing our GC so we are not independent)
I can say atleast half of us who are waiting for the GC don't have any ambitions as of now to take active role in building this society, if we really had such we can do that at our home countries too.
Like someone said in this thread " Reverse Brain Drain " is an empty slogan if we use ourselves call ourselves the brain which America needs to keep it going.
In my opinion most of us here want the GC because we want to change jobs for better pay, better professional growth, to live in a better place, better work environment, etc, the list can be endless. ( I guess if you don't have all these then you don't have freedom)
If we can get our GC's no matter with which employer we work as long as we do our job ( as mentioned in our LC) we will not be bothered too much about our GC process ( We are dependent on our employer sponsoriing our GC so we are not independent)
I can say atleast half of us who are waiting for the GC don't have any ambitions as of now to take active role in building this society, if we really had such we can do that at our home countries too.
Like someone said in this thread " Reverse Brain Drain " is an empty slogan if we use ourselves call ourselves the brain which America needs to keep it going.
