Thread regarding Chevron Corp. layoffs

3bwil, You are so right! Yet I post here often and still am saddled with my cushy lucrative position no matter how hard I try or what I do. Please tell me how I can be as "open minded" as a person so adherent to their own false political narrative and not a "dimwit" like you, snowflake - LMAO!

The same two cretins have filled up this entire 400 entry thread, longest on the site, by repeating their stupid one-sided positions and ad hominem attacks every single day, ad nauseum. They are precisely the sort of cloth-eared, swivel-eyed dimwits which belong at the front of the layoff line.

39juz, What does "One no here believes you" mean? You seem to have quite a thorn in your side as you lick your wounds after being called out for posting BS on this forum about the ACA, I suppose, if you are the loser/liar posting below pushing the virtues of being dependent on/taking from others. It is obvious that you have no choice but to sponge off of the tax-payers as a parasite. Try working on your resume so that you can make something out of yourself other than trolling a layoffs website spouting jealousy and hatred toward others more successful than you. Or don't. It's all on you if you remain on hand-outs and remain a loser in life with no other options. It's your choice.

Good luck. I will post as long and as often on here as I like.

Same for us. There was no comparison at all. No contest. ACA wins every time. I just hope it continues. It is what our country needs.

The ACA, which I am using now, is heavily subsidized by tax dollars. That's a fact, and why it is much like Medicare, Medicaid, and even Welfare. A lot of the funding comes from well-off Americans subsidizing lower-income ones. That does not bother me. I am not too proud to accept handouts. I do much of my shopping at thrift stores, which helps them make income. No different.

Google is your friend. There are many articles online where you can do research on this extensively documented ACA wtopic. Why the animosity?

When the government robs worker Peter to pay the pathetic useless non-self-sufficient Paul, who does't work but receives free hand-outs. then threatens to quit supplying Paul, as the ACA is destined to collapse without the individual mandate is doing, then you get a lot of whining and complaining from Paul. You may even get them spouting and ranting profanities and calling others names anonymously on the internet.

32vnv, you claim that "the ACA is not government assistance aid". You must not be aware that some ACA plans are free and many have ultra- low premiums, since they are highly government subsidized. I suspect that either you are poorly educated or one of those people who believe that there are actually "free" things in life and they appear magically, no hard work from you or others required. Just like the money tree in your backyard. Go pick you some. it's free!

33kdf, No indeed, I am thoroughly satisfied with my company provided health insurance, especially the new plan for 2018, thanks so much for the concern! I am just not a parasite sponge like many on here nor do I have to pay for my health insurance as I had to do at CVX since now it is a fully provided benefit, fortunately at my new company. However, I am OH SO familiar with the:

"you are just jealous"

"you are just envious,"

"ooooh you are ranting"

" oooh you are so angry" - the typical cry-baby pathetic whines used by the pathetic losers who hear that someone has a better deal than them or that many others made better decisions, prepared better and are more successful than them and post that as a lame comeback since they have none. I am no newcomer to the internet, little girl. But keep your head up, sweetie. Maybe one day you will grow up and become a big girl and not have to be a social parasite and use something like the self-destructing hand-out program, the ACA. LOL! Happy new year!

32vnv, No, you are 100% wrong and it's obvious that you are heavily biased toward the government assistance that you receive, paid for by your neighbors tax dollars, which pays for your health care. That's exactly what the ACA is, and you are trying to justify your dependency on government aid and lack of self-sufficiency by putting lipstick on a pig. If you pay essentially nothing for your health care, you are basically on Medicaid. Medicaid and Welfare and Food stamps are all in the same category. They are for poor people who cannot afford to support themselves to give them a helping hand. There's nothing wrong with that, for poor people, it's a honorable cause but don't live in denial about it. The less you pay for health care and the more the government (taxpayers) foots the bill, the closer you are to being on the true Medicaid program. If you do not realize that either you have no common sense or you are simply living in denial. And no, not all doctors accept the ACA plans. Others limit the percentage of patients they'll accept who are covered by these plans. At least the people who get on here and brag about being parasites on their fellow tax-payers, are owning up to their less-than-honorable actions. There's no sense in living in denial.

I've had several years of excellent care at basically zero cost as well, and I do not use the ACA plan. I am lucky because I worked for a contract agency who provides this. The plan that I have is better than any of the Gold level plans that I reviewed in detail on the exchanges, which I also qualify for since I have ample savings so as to not draw income. None of those even touch the detailed benefits and prescription coverage that I receive now. I am not old enough to receive Medicare so I will cross that bridge when I get to it. However, I would never chose the government assistance ACA plan if I have any say so in it at all and also I would have to change my doctor, who is one of the best in her field. She does not accept that type of insurance. either way. I am, thoroughly pleased with the coverage that I receive and the excellent customer service. If you cannot afford private insurance for the most important thing in your life, I understand, but I just hope that yours is half as good. Good luck to all of you in the new year.

Same for us - several years of outstanding medical service at practically zero cost. What we save over th Chevron plan in a month is a Jaguar lease payment! Strikes me as a financial IQ test.

“In essence, many of the premier doctors and providers don't want anything to do with ACA plans”...this is true for Medicare perhaps, which limits payments for specific procedures, but not true for ACA plans in general, which are offered by private companies and not administratored by the government. Example, Blue-cross/Blue-shield from an ACA exchange is no different than that obtained through employer-based enrollment. The government runs the exchanges, and mandates some basic minimums in coverage for the different levels, but the coverage is offered by private insurance companies.

I don't know what you guys are talking about or where you get your information but it seems to be false or just extremely biased and not based on facts. I have evaluated many plans, ACA with subsidy, CVX retiree, and other private insurance plans. I find the CVX retiree to be not only very affordable by comparison but a much better value. In particular, it's a much better value than the ACA exchange plan, which limits you in many ways. The premiums are going up for 2018 and also many doctors are either backing out of the ACA exchange because the program is a financial nightmare or perhaps they fear changes to their detriment in the future. In essence, many of the premier doctors and providers don't want anything to do with46 ACA plans. I am a very healthy person, but I also feel that my health is extremely important and I want the best care and service and I can afford it. For that reason, I would not use the government welfare-type ACA based plans if I have a choice, and I do. You guys go ahead and apply for government assistance if you have to, I do not and I do not think that I will. I have more money than I need and I can afford the best and it's certainly not the government subsidized freebee foodstamp/welfare plan. It's your health, it's not a game of chance. Good luck with your decision.

We agree. It could just as easily be argued that anyone foolish enough to choose the Chevron plan pre-65 is mooching off the shareholders. They didn’t earn it because the plan is only designed to cover employees after age 65. The Rich Hypocrisy!

The idea that the insurance one can get on the exchanges is somehow sub-standard is simply not supported by reality ... for the most part it is offered by the same companies that supply employer-funded policies and those that have these policies get access to the same doctors and facilities as any other policyholders (although obviously gold has fewer restrictions and co-pays than bronze policies once you get sick). The sad thing about the recent drop of the insurance mandate by the Republicans is that those who paid full price on the exchanges will likely see a large increase in premiums next year but those that receive subsidies will see very modest increases (and the cost to the government will continue to rise both in subsidized insurance payments and as the newly uninsured use the ERs for basic survives). All a little game to make the budget deficit numbers appear lower, which in the end just makes it harder for small businesses and the self employed to find reasonable priced (non-subsidized) health care coverage. It is time to get these bozos out of office!

The overwhelming consensus here from those use ACAis that it is a great choice for them. One person consistently wants to attack this with a bizarre argument. One suspects he was turned down for ACA or has some other hidden agenda. We can safely ignore him.

Good point from the poster with presumably significant other irreducible income who found alternatives to ACA which are cheaper.

I’m with you -2Vgof. The ACA has been good for us too. I’m convinced the medical and pharmaceutical industry in the USA are deliberately keeping costs high. The insurance companies end up having to charge us all high rates. The large employers have the power of larger pools of healthier participants and they pay 70% to 80% of the employee’s premiums as a benefit. It’s the small business employee, self employed and individual pre-65 retiree that don’t have the power in numbers, have more ailments than younger people. They stand alone with no medical subsidy to keep their costs affordable. We live in America where thank God there’s a fairer system with the ACA. It helps those who qualify and need the help. Healthcare is not a luxury but a necessity, for some more than others. Don’t call anyone who chooses to use it a mooch. It says more about you than you can imagine.

I agree - some retirees seem very hostile about their health insurance. Not sure why. We looked at the cost of the Chevron plan until age 65 and premiums alone would run us about $200,000 between retirement and 65 when we get Medicare (another great system!). We have much better uses for that money. ACA has been fabulous insurance for us for the last couple years. No complaints whatsoever and it costs less than what we paid as full time employees! I think if Trump messes with it we are better off being medical tourists than paying the crazy Chevron s---er rate. That would be our absolute last choice and it is available if it comes to that but I seriously doubt we would pay for it. The retirees who opt for it are joining to a restricted, old, sick retiree pool of people expensive to insure. It is the opposite of what makes sense for insurance - you are un-diversifying relative to what you had as an employee. But hey, if it makes you happy I am all for it. To each her own.

The ACA has been a big help to me, and I make too much from investments and consulting to qualify for any subsidies. I worked for Chevron for many years as a contractor, but do not qualify for Chevron’s post-employment health plans. Preexisting conditions, although nothing major, would make it difficult for me to get a reasonable policy without the ACA exchange (except very high deductible plans I previously had through one of my professional societies). My frustration is the current administration seems to be deliberately making it harder for the self employed to get insurance ... I should not have to work for a Fortune 500 to get a reasonable rate! Anyway, why all the hostility?

That’s right, -2Vukh. To each his own. If you qualify and can use or profit from it, go for it. I would if I could.

I’m grateful for the ACA and a having plan I can use and afford. I haven’t had any problems with accessing a list of qualified doctors, hospitals and outpatient facilities. Next year will be my second year using an ACA Plan (silver tier) and despite Trump having ended the subsidies associated with plan deductibles and copays for 2018, my premium will be only $10 more. My spouse and I had our preventative exams done this past July and we both took advantage of seeing a specialist in October to knockout all of our pending concerns. We don’t anticipate having to use our medical insurance in 2018, but it’s there as peace of mind in case we need it. The tax bill that was signed into law on Friday repealed the ACA Individual Mandate, meaning the IRS will no longer penalize anyone for not having healthcare insurance. During open enrollment in November 2018, we will all see what kind of impact this causes. The ACA is still the law and subsidies will still be paid by our government. I suspect the final premium cost after subsidies won’t changes too much.

I agree, ACA is a god send to most of us. It is a fabulous deal once you are retired and without normal income.

Two more years for me before enrolling in Chevron’s post 65 Retiree Medical. In 2018, I’m continuing in the affordable ACA in Houston, TX for the third year. It’s really not as bad as several have stated it is. I suspect many who bad mouth the ACA are not using Obamacare, only parroting a political narrative. The plan I’m switching to for 2018 is a $1650/month medical plan, but will only cost a $63 premium for me and husband. The plan I had in 2016 and 2017 was very similar in quality and monthly premium.

29zah, not laughing it up at all, No one "owes" me anything after I have been contributing 12.4% of my earnings for 42 years to the government for them to take with no benefit to me, as you imply. I have anticipated bad times and prepared for that. I am fine with or without Social Security that I paid 12.4% ) (half me, half my employer, from my earnings -yet all earned by me) of all of my earnings for 42 years. No one "Owes" me anything for all that money that they took from me. They can simply STEAL it, It makes no difference to me, I have prepared for that theft. I can live quite luxuriously in my retirement(now) without SS benefits. I have been doing it for several years already.

The question is..,, Can You??????

I suspect the sniveling politicians just want to plant the seed in peoples minds early, that when they cut social security benefits to 75% by 2037, it won’t be received with as much revolt. But, I also suspect that this talk won’t turn into action. Social Security is very much the third rail in politics. Touch it ever so slightly and it will kill you (politically). These clowns can’t even come to terms with Obamacare or tax reform, and that’s just the Republicans. Mix in the Democrats hoping for a bipartisan solution and you may as well wait an eternity. No sir, a fix for Social Security’s impending shortfall is all talk. When and if there is a shortfall, the politicians in office at that time will only kick that can down the road, as usual.

Laugh it up fuzz ball...while you can. He who laughs last laughs best!

Laugh it up -29znu. SS was passed into law by a simple majority and it can be “modified” just that easily! Paul Ryan and the congressional budget hawks have already proposed changing Medicare to a defined benefit plan (actuarially equivalent to pennies in the dollar)...and if funds get tight the SS system is next. In the end the government “system” that you think owes you something in only as strong as our overall economy and the tax moneys drawn from that economy.

Actually it's the liberal pundits and talking heads who so fervently scream, cry and whine like little babies that the declaration of Social Security as a ponzi scheme is false and that categorization is a big right wing propagated myth.

I personally agree that it replies on too much current inflow and not enough invested capital and behaves more like a ponzi scheme than it should. But of course, as the poster below correctly stated, that analogy could also be accurately applied to most company pensions. ( And many insurance policies, as far as that goes).

From one of your pesky liberal millennial sources;

"It was launched by act of Congress in 1935, in the pit of the Great Depression. It is a completely self-funded program fed by a mandatory payroll tax, each worker and employer putting in a percentage of the worker’s salary. The annual retirement benefits vary and are paid basically out of the sum collected from that tax. If, after the paying the benefits, there is a surplus left in the Treasury, it goes into a dedicated fund, popularly called a lockbox, from which future benefits are paid."

Paid my dues now I want my candy (whaaa whaaa mommy mommy mommy” as your ROTFLMSO-boy would say) ... “man up” is not a prescription to follow the sheep to the slaughter. You have known for a very long time that things are not right but continued to demand more tax cuts and greater benefits.... now you want the next generation to bale you out... good luck with that!

-29gdy: Elections have consequences!

We all manned-up, 29lza. We contributed years of SS taxes to support what you call a Ponzi scheme. Not our fault since it was not our choice to participate or not, just taken out of each check. So close to grabbing the brass ring at all of a sudden they want to cheat us out of a good percentage of a promised benefit that we paid into? Not a chance kiddo. It’s evident you have only yourself to think about. Easy to go when you don’t have much skin in the game. Maybe you should grow up a bit more. To “Man-up” is something you’ll learn or have to face later in life. Get ready.

You guys said it all...not our fault, someone else make us do it... we need to get our full benifit even if future generations need to pay trouble (on top of the 20 T debt we left them)... we need to stand up for our RIGHTS (but wait, previously it was claimed there is no right for health care because it is not in the constitution....but wait... the SS benifit is not in the constitution either!). When you set up a ponzi scheme you know it will end some day...why would the millennials want the day to be on their watch when the problem is your doing? Are we now working together to fix this problem... no... the republicans just propose a new tax plan that will benifit mostly the wealthy and add another 1.5 T to the debit and the Democratics still can not find a spending bill they do not want to double! All I can say to the BBers is ... man up guys...it is your fault!

Good post -28zsr. I’m a Baby Boomer and put in 40 years of social security into that so-called “lockbox”. Damn right I’m entitled to the entire promise the government made to me. I am very aware of the underfunding in the SS Program, but that is not our fault. It’s the fault of the many politicians who raided the program to push social programs and giveaways to get re-elected. Everyone must now look at the Baby Boomers as the lump moving through a snake. The country will just have to deal with it. It will mean more debt for our country because the people who are at or nearing retirement will demand 100% of their promised benefit. I’m all for fixing social security but only where no single person who paid in SS taxes is short changed a penny. Go ahead and create a new system, if SS is unsustainable after 2037 on the track it’s on now. But that new system will need to involve taxpayers who are young at maybe 25 or 30 years from full retirement age. That group will pay into the new system 100% and the remainder of workers will participate in both the new program and the existing SS program until it is phased out little by little over the next 25 or 30 years. The net difference would be none, no loss of benefits to any worker who paid in. If during the 25 to 30 year transition to phase out the current SS program there is the shortfall that our politicians say will come, the shortfall will be tacked on to the country’s national debt, that’s all. Government must be held to the high standard of honoring all the promises it makes to the people, and not changing the rules of such earned entitlement because they botched it up. After all, we were obligated to pay in, and we must demand to get every penny we were promised. Stand up and defend your rights.

Although the current retirement click-bait articles that are your education today (apparently) focus primarily on the the lack of retirement preparedness of the baby-boomers, that's only because they are retiring today in large numbers, and are the focal point. The previous generations were even more poorly prepared. That only indicated a trend in retirement preparedness, not a reflection of any particular generation. Why is Generation X (mine) falling so short?

https://www.benefitnews.com/news/generation-x-falling-short-on-retirement-preparedness

We had all those examples to learn from , everyone before us crossed that bridge , made those mistakes so we didn't have to. What's our excuse? I guess that's why we need free stuff - LOL!

Well this has been a fabulous thread with some wonderful dialog. It is so uplifting to see my Chevron colleagues respectfully exchanging different intelligent views, softening their hearts, listening and gaining new perspectives. This is what makes us such a great company!

Post related to refuting the idea that status quo is irrevocable ...

@28dwy, What the hell does the comment you just posted have to do with the “entitled” baby boomers? Your rant is not very coherent as you seem to be targeting several things all at once. I don’t understand what point you’re trying to make, but start by not paying any attention to Paul Ryan or any of those politicians. They are only there to rile up the people while deliberately not wanting to do anything at all.

-28cax: I would suggest you are the one with your head in the sand. Paul Ryan and the house republicans initial health care reform proposal was to replace Medicare with a “defined benifit” ... retirees get $5k a year to spend on health care any way they wish... from health saving accounts to buying an insurance plan on the open market. Now in practice, with an unregulated insurance industry, how much insurance would that $5k buy someone over 65! Get ready for more “great deals” like that in future, because all government funds are being redirected to the 1% during the new wave of tax reform. Next up... back to their plans to “privatize” social security. You guy should all be elated...no more freeloading old folks on the government nipple... we can all work until the day we die like indentured servants to the truly deservingly. Hallelujah!

It’s evident you don’t understand @27fat. What you said is only a shallow opinion... yours.

-27hyy: Yes I do. The baby boomers feel entitled even as they look down their noise at the previous generation (that remained frugal after living through the Great Depression and winning WW2), and at the younger generation they expect to serve them in their old age. Less than 30 percent of B.B. generation saved even $100k for retirement and they left a huge debit and declining infrastructure . At some point you reap what you sew... or lack there of!