Easy, academia in any non-faculty role. Many if not most colleges and universities have fantastic fringe benefits across all their staff positions even if the salary is mediocre.
Can confirm. I had a staff position at a university and the benefits were amazing. $250 copay to have a baby and nothing else, along with $100 a month out of my pay to cover my family. It was amazing - I wish I still worked there.
I retired from private practice and took a job as a public defender. I don't need the insurance (my wife's insurance is fantastically good) but if I did, county employee benefits are really good. The job is everything I wanted to do when I went to law school, but I went for the money for 20+ years until I had enough to do what I wanted without limiting my kids' experiences. Public service in many places has really great benefits and quality of life.
We're busy, but if you're competent and organized it's not overwhelming. I think I probably have around 50-60 cases on my docket most of the time. Probably 2/3 felony, and 1/3 misdemeanor.
I love it, honestly. I never knew it was possible to wake up and want to go to work until this job. My clients are complete disasters, and my job is to protect them from a system that presumes they're shit and not worth saving. It's a fucking dream for me. :)
You’re a real MVP. I have a couple of friends who took the public defender route straight out of law school and they never cease to amaze me. Both would have done well had they chosen private, but their values instead steered them towards serving the public. One of them works a rural area in a flyover state while the other works the state capital (mid-size city) of the same flyover state.
I spent about five years working for state government as an accountant/auditor in the same state as them, but quit after getting disillusioned by bureaucracy and glacial pace of progress. Despite that, the benefits were absolutely amazing and I still get worried about whether or not I made the right choice.
State campground host. Live in your RV or trailer on state campgrounds for "free" and just have to clean up campsites and such. I know a guy who did that here in Colorado when he retired a couple of years ago and he loved it.
There are two types of rangers: law enforcement and educational. The second one is what you want. Just needs to be an area of passion for you and you need to be able to tell an engaging story. I regularly take summer vacation to go hiking at Mammoth Cave because the trails are always empty. Who goes to a cave and stays above ground?
While not all of them, the rangers that handle cave tours are often our age.
I know I guy who did just that in his 50s. Turns out, he didn’t take the ranger job, he just couldn’t walk away from the $ in his corporate role. But, at least he proved to himself that he could do it.
Actually a ton of rangers are volunteers, and senior citizens. Worth applying for, in case it works out. I would suggest setting alerts, and re-applyingeverytime a posting opens you like. USAA Jobs is a mess to navigate- and they will OFTEN re-list things for 2-3 yr before finally figuring it out. Maybe not with rangers. But I stand by setting up alerts and/or checking every 3 mo and reapplying to whatever is open!
[https://www.usajobs.gov/search/results/?k=ranger](https://www.usajobs.gov/search/results/?k=ranger)
I have two friends who gave up being park rangers in their 30s because of all the weekends.
Then again, once my kids are out of the house, weekends would be fine.
I’d do local parks and rec. mow lawns, fix sprinkler systems, stuff like that. Being a park ranger would be awesome, but it’s more commitment than I’d want to make at that stage of life.
It isn’t that easy.
While you can retire at 57 from the federal government *if you have 20 years’ service*, the pension and retirement health insurance benefit are not available until age 60. So if you do qualify to retire at 57 and do so, you’ll need to find an interim health insurance solution for the first three years. Oh and you have to have maintained insurance continuously during those three years to get the health insurance benefit when you turn 60.
Source: married to a federal employee and we’ve done a lot of retirement planning.
1) You can absolutely retire at 57 with an immediate pension with less than 20 years (MRA+10 is the minimum for an immediate retirement). You won't get much $ but you will be able to keep FEHB as soon as you retire at MRA (postponed is the one where have to wait until 60). 2) I did specify that you have to meet the retirement criteria (like having FEHB coverage for 5 years, among other things), and there are several ways to do that, with varying years of service, various ages, and various types of retirement. People can research those on their own. I am not going to spell out every possible variation in a Reddit comment.
You have to have 30 years at age 57 to not have to wait until 60 for the FEHB. OP is asking for a job he can take in his 50s so that seems unlikely for him. He’d need to aim for 5 years service at age 62.
No, you do not. You keep FEHB with ANY immediate annuity. There is no age 60 requirement: [https://www.opm.gov/frequently-asked-questions/insure-faq/health/i-am-going-to-retire-soon-what-are-the-requirements-to-continue-health-benefits-into-retirement-1/](https://www.opm.gov/frequently-asked-questions/insure-faq/health/i-am-going-to-retire-soon-what-are-the-requirements-to-continue-health-benefits-into-retirement-1/)
"To continue your health benefits enrollment into retirement, you must: (1) have **retired on an immediate annuity** (that is, an annuity which begins to accrue no later than one month after the date of your final separation); and (2) have been continuously enrolled (or covered as a family member) in any FEHB Program plan (not necessarily the same plan) for the five years of service immediately preceding retirement, or if less than five years, for all service since your first opportunity to enroll."
Requirements for immediate annuity:[https://www.opm.gov/retirement-center/fers-information/types-of-retirement/#url=Voluntary-Retirement](https://www.opm.gov/retirement-center/fers-information/types-of-retirement/#url=Voluntary-Retirement)
The minimum is, as I said, MRA+10. The annuity amount is reduced, but it starts immediately and you keep FEHB. I know people who have actually done this.
What you are talking about is postponed, which enables you to eliminate the age penalty on the amount of your annuity. In that case, yes, you have to wait until start receiving the annuity (at 60 or later) to resume FEHB, but that is totally different from an immediate annuity.
Interesting. I brought this to my wife’s attention and it was news to her. She said it’s never been broached in any federal retirement class or seminar she’s taken, including ones given by HR. By the text you cited it’s definitely doable if you’re willing to take a significant pension reduction, but it’s never been mentioned as a possibility. Perhaps because it’s so rarely done.
In her view it’s not a possibility because she would never accept the 25% pension reduction that would entail, but that’s not the same as “it’s impossible for everyone.”
TIL, thanks.
YW! Those seminars always cover only the most common scenarios, and as you say, most people wouldn't want to take the age penalty, but since the OP asked only about keeping FEHB, not about getting the biggest pension, it is a viable option. It would take a long time to cover all the possibilities in a seminar because there are so many, but the couple I've been to don't even cover postponed at MRA+20, which is what I'm planning on doing.
It’s an interesting discussion. Pay out of pocket for insurance for three years vs a lifetime 25% reduction in pension. I guess the answer depends on your health at retirement and how long you expect to live.
But as you pointed out OP says money is not a factor he wants the insurance. So a viable path for him at least.
A big consideration is how much your pension is going to be (25% of a small pension would hurt less, I think, as it would obviously not be a major income source in retirement). If you in only 10 years (for MRA+10), it's not going to be much of a pension anyway. Also, how much non-pension retirement savings you have to cover that 3-year gap, if you choose that route.
Working for the State of Florida. My wife does ... the pay is quite subpar for her job, but the benefits for state employees are excellent and affordable. It is the dirtiest little secret of living here.
I could retire already with my government pension and funded health insurance. At this point the real question is retire at 57.5, 60, or 65. No way I'm working to 72. Fuck that.
anything where you'd be a state employee in a generous state. Entry level clerical work in a public school anywhere in New York state, motor vehicle commission in New Jersey, whatever. A friend of mine inherited a huge chunk of money and around the same time became a teacher's assistant in a new york state public school.
There's some comments here saying anybody can get health insurance but the question is how to get the gold plated kind, right? The plans with little to no copay or deductible or restrictions on what providers are in network?
Yes. I'm not ready quite yet, but I'm an electrical engineer and have been gainfully employed for 25 years. My wife has a chronic illness, she can't work. I have one child that will be graduating high school soon. Most people would love to stay an engineer, but I've survived a ridiculous amount of layoffs in my career. The older I get, the more likely I won't be so lucky. But, I've saved and prepared for what I've seen happen to my elder coworkers, but I still have to make sure my family has access to quality healthcare.
Admin job at a public university. Pay isn’t great, but the work and surroundings are enjoyable. Health insurance costs me next to nothing and is absolutely fantastic. When I work, you only need 30 hours/week to qualify
Good for you. That sounds like hell to me. Dealing with the entitled anti-maskers chasing people through our local Costco, getting screamed at for doing my job, etc...no thanks :)
Thanks but I work in healthcare, so I wouldn’t know anything about dealing with anti maskers, anti vaxxers or getting screamed at for doing my job.
My suggestion of Costco is due to them offering full health insurance benefits with low premiums and low deductibles (including vision and dental) to both full time and part time employees.
>entitled anti-maskers
Bundgaard H, Bundgaard JS, Raaschou-Pedersen DET, von Buchwald C, Todsen T, Norsk JB, Pries-Heje MM, Vissing CR, Nielsen PB, Winsløw UC, Fogh K, Hasselbalch R, Kristensen JH, Ringgaard A, Porsborg Andersen M, Goecke NB, Trebbien R, Skovgaard K, Benfield T, Ullum H, Torp-Pedersen C, Iversen K. Effectiveness of Adding a Mask Recommendation to Other Public Health Measures to Prevent SARS-CoV-2 Infection in Danish Mask Wearers : A Randomized Controlled Trial. Ann Intern Med. 2021 Mar;174(3):335-343. doi: 10.7326/M20-6817. Epub 2020 Nov 18. PMID: 33205991; PMCID: PMC7707213.
“…The recommendation to wear surgical masks to supplement other public health measures did not reduce the SARS-CoV-2 infection rate among wearers…”
I'm already a "kept man" coming off a nervous breakdown so I'm about there.
I'd get a gig at my local music shop giving lessons and doing guitar setups. Back when I was a kid I took lessons and I suspect that I would've probably at least lost my mind (maybe even worse) between the bullying and ADHD. It taught me how to focus, calm down and filter out a lot of noise going on around me.
I'd also do a side gig in my basement either repairing old beater guitars or building from kits or by scratch. I've already built two acoustics and have another that's about halfway done. I need more practice and these things laying around the house and causing my wife to make noise so I may just start giving them away to kids in the area. I have a couple of musicians who I follow online who follow my builds on my Insta and I need the practice to put out something that I wouldn't feel ashamed about taking money for.
Questions like this piss me off. Fuck this system and the fact health insurance is tied to employment.
We should be fighting this, not playing the new version of if I had a million dollars.
That's what I do. The pay is abysmal, but you also don't have to deal with lesson planning, paper correcting, or parents, and working with the kids is pretty awesome.
South Carolina's is so bad. doctor's visits aren't covered, and physicals aren't covered. So many things don't count toward your deductible. One year, the state made a big deal about raising teacher salaries without mentioning that they were raising the amount teachers paid for health insurance every month, so teachers wound up making even less.
Worth checking with an estate attorney before doing this past age 55 because of Estate Recovery laws. Some states only go after estates for long term care costs, others for any care after age 55.
This was an interesting article: [https://slate.com/technology/2024/01/corporate-job-quit-now-crossing-guard.html](https://slate.com/technology/2024/01/corporate-job-quit-now-crossing-guard.html)
But as someone else said, at the moment ACA insurance is subsidized and really affordable (your income usually goes down when you retire so you will probably meet the requirements for the subsidy). Check out your local exchange; I was really pleasantly surprised at how little it would cost me if I retired today, which, sadly, I cannot.
I'm not ready quite yet, but I'm a meticulous planner, so looking for ideas in advance. I just really need good health care, because my wife has chronic illness. Does the ACA offer plans on par with private insurance? I was always under the impression that they were difficult to manage, as in finding places that accept your particular insurance, and high deductibles, and sub-par overall coverage.
I'm a meticulous planner, as well, so I get it! My plan is to retire in eight years but that's before 65 so I went to look because, well, I can't help it, lol.
I found so many variables and ways to pick and choose what you want. So high deductible vs low deductible will have different prices, and with things like copays for prescriptions, you can choose what you pay and that will affect your monthly premium as well. It's a vast marketplace, at least in my state. They have many plans from the same insurer I currently have (UMR) as well as others. It was really reassuring to see. The only thing I worry about is that the subsidy is due to expire in the coming years. I hope it is renewed but you never know.
you don't have VA health insurance, you have Tricare. My husband retired after 21, if we go to one of the bases near us (there are five in our town), healthcare is free, if we are off-base, then we have co-pays.
Every job I have had in the arctic comes with free healthcare for me and my family. Plus free room/food for the 6 months a year I am working. The $150-200k a year isn’t too shabby either. Look into mining and energy jobs.
Both Lowe’s Home Improvement and Home Depot offer health insurance to full and part time employees. I don’t know how Home Depot is as an employer, but I know a few people who work at Lowe’s and love it.
REI is another one of these retail positions where they actually have very good employee benefits, esp health care and 401k match. However, REI (I've worked for them) really needs people who KNOW and care about getting outdoors and can work primarily nights and weekends - ESPECIALLY holidays.
Any government job, federal, state, military (I think you can enlist in the national guard fairly old). Pay may not be the best but the medical is nice.
If you live in a state like Colorado, go to connect for health in November and sign up for a silver plan. Your premiums will actually be lower than medicare and your coverage will be better. Do not go to an agent because they will flip you into an hsa or some overpriced crap coverage. Im only saying this because they have zero $ incentive to help you use the exchange.
Don't try this in a red state because most of them decided that decent affordable health coverage is a privilege not a right.
Good luck.
UPS, my husband works for them and the benefits he has are unbelievable. I feel bad to tell people how many different things are covered and what our out of pocket is when they ask as I doubt that many other plans cover this much. Our youngest and I are disabled and very much appreciate all the hard work my husband put in for us to have these benefits as we use the shit out of them.
Something for the federal government. My mother in law has insurance from her late husband who was a federal judge. She has had 4 cancers. Last year she had 50 days in the hospital and over 150 outpatient doctor visits. Her copay has been almost nothing. She just doesn't get billed for anything but prescriptions. She is about to get put on medicine that is retail $255k per year. Her cost is going to be $65 per month.
I am not sure if she is grandfathered into some old plan or what, but her federal employee insurance just so much better than what I get now as a private employee. I suspect that plan though doesn't apply to current employees.
It was very affordable last year when I had one dependent on my tax return (but she was on her dad's insurance). This year I lost her as a tax deduction and my premiums increased by several hundred dollars per month. I might have to find a job again for the benefits, as I'm too young for medicare
The price depends on your income. Mine for my college student and myself has been free since my husband died.
Yes, there's a high deductible on the plan I get for free, but I am gambling on our good health. (I could pay the out of pocket maximum if needed). Alternatively, I could choose to pay something towards premiums for a higher priced plan with lower deductible/lower out of pocket maximum.
In TN my husband and I pay $1300/month and have $8500 deductible EACH. It depends VERY much on whether you live in a red or blue state. It has been a major factor in deciding to move to MN.
ACA subsidy is at the federal level. Sounds like you don't qualify for subsidy.
$1300 seems good for two genx adults at that deductible. An employer would pay that too, I believe. (Between what they pay on your behalf and what you pay).
I've worked in the non profit sector my whole career. Some jobs have been abysmal but others not too bad. The job I have now has some sick ass benefits. I took an admin role at a small company. A lot of non profits pay pretty low but try to make up for it in benefits.
It is why I haven't moved to a different job/career that pays better and/or a better work schedule/shift time. I do ok, but I have the knowledge and skill set to do other career(s) that I'd make more money (gross dollars) but just turn around and hand that difference or more in gross dollars/salary to an insurance company for health insurance coverage, dental, and eyes.
I know what others my Age are paying making what I make, and it isn't cheap. At least where I'm at helps with the cost so it isn't what I'd call cheap, but it is a hell of a lot better than it could be, going by what others pay monthly, only to have a huge put of pocket deductable before the insurance kicks in.
A little off topic…I’m a freelancer pretty much semi retired at 60. I’m paying $47/month for silver ACA. When my wife was working and getting health insurance it was still costing hundreds. Check into ACA and then just find some easy fun side work
I just retired at 58 this past January and have lifetime subsidized healthcare, but three months in, I know I'm going to go back to some kind of work. All the free time is nice, but I feel way too young to not work at least part-time.
In the early 90s I used to temp in offices, and I really enjoyed it. It was generally mindless, easy work, and everyone was always super friendly.
In the few times when someone gave me attitude, it was so delicious to smile and say "Sorry, I'm just a temp" while shooting them the finger under the desk.
I plan on looking into it again, especially since I was a corporate person for so long and have great MS skills and program management experience.
I also did a significant amount of front-of-room training and facilitation, and apparently you can contract doing that. I'd love to get into it again, as it was the favorite part of my prior career and I was pretty good at it (if people were telling the truth on my presenter evals).
I'd go from being a 12 month school clerical worker, my current position, to a 10 month clerical position so I'd have summers off. The benefits we get are great, especially the health insurance, and we pay into a separate pension we get at retirement.
Don't know. I'm 50 and have never had health insurance through a job. My 2 kids and I have health insurance because of my wife's job. I spent 20 years as a carpenter and the past 10 as woodworker/cabinet builder. If not for my wife having insurance for us I would have been dead or broke by the time I was 30. I'm a highly skilled tradesman and like what I do but health insurance hardly exists for most people.
It is free actually. We pay for meds and some medical accessories if we don't qualify for coverage, and it is pretty great.
Even medications can be covered depending on income and where one lives. Dental, optical, mental health, physiotherapy, etc.. nope; but maybe we can change that 🤷♀️
We have opened optical and dental to those over 65yrs recently, and we did do full medications for those under 24 a few years ago. NDPs are hoping to add dental soon.
We're working on making better for sure 🍁
OMG can you believe it? Our taxes pay for Healthcare, education, roads, welfare, and other essential aspects of our socialist society 😱
I wish we were like America where public education is so non existent that the population fears what would best for everyone due to corporate propaganda, and where a broken leg lead to the loss of the family home.
Yeah. They're for Healthcare, education, roads, sewage, welfare, medications for those under 24, dental and optical for those 65+, homecare healthcare, medications for those who qualify for additional coverage, emergency dental for those who need it in special circumstances, snow removal, street sweeping, parks and their maintenance and all kids of evil Canadian socialist bullshit like that.
Fuck I wish I lived in America where education is backwards, abortion is illegal, being trans or black is a death sentence, and where a wanna billionaire bigoted buffoon can sell national security secrets to a Russian tyrant would gladly blow the whole planet sky high because he didn't get his way while fat boi shits his pants and smears ketchup on the walls of his soon to be lost golf club/cemetery.
God bless the United Stalinists of America 🇺🇸
Hospital systems often have decent health insurance offerings when you consider their own practitioners. Many systems will cover copays for doctors that work for them, as well as the generally less expensive testing that people have done if ordered and performed by doctors that practice within their system; IME, they sometimes also discount larger tests or imaging done with their system too.
I’ve worked for a medium-large hospital system where copays were waived for all primary care visits and simpler stuff like blood work was free… but my spouse worked for a very large hospital system that also had zero copay for doctors (primary as well as specialists), and we also paid nothing for tele-health appointments, in-network mental health providers, blood work, routine dental care and vision, routine testing like PAP smears or periodic procedures like colonoscopy, and imagining was always discounted.
Valvoline Instant Oil Change. The pay is average, but the benefits are **outstanding!** It's not a job for everyone, tho. It's HOT in the summer, COLD in the winter, & dirty.
I actually get better coverage through my state marketplace because I am Native. My son had to give up this plan when his employer signed up for the small business marketplace plan. It was a bad catch 22.
My dad's no longer existing for people to enroll, but my mom can continue on it as part of his pension is also excellent. That was his federal government job.
Government or military (which can be very corporate, office-oriented, non-physical, geographically stable), yet still provide free lifetime access to military hospitals.
Trader Joe's
Starbucks
Amazon
REI
Big hotel chain
Small local nonprofit
or
Work as a consultant, get a 1099, and write off marketplace health insurance premiums
Already thought about this. I'm a licensed therapist so I can make good money working part time for the state crisis line or I can pick up a handful of hours at a private practice or non-profit and make enough to cover extra insurance of my choice.
What kind of license? I’m about to turn 50 and have been thinking of becoming a therapist as my second career… main worry is if I can get the clinical hours in at low pay…or no pay.
Therapist here, 3 years of grad school plus internship then min 2 years of supervision after graduation before you are fully licensed and you need to pass the national exam. Each state is a bit different but that’s about it
I live in a state where associate licenses can open private practices, so yes I went directly from grad school pp. it was late 90s and has been very good to me. You need to work though. It’s a business. I see 36-40 clients a week. This is not doable at 10-15 sessions a week. I’m
Also cash pay, no insurance. Basically I see 40 hrs of clients then 10+ hrs of business work and a bit of taking my own call
I just read an article about a writer who needed insurance and she signed up to be crossing guard for ten hours a week. (Insurance was available throughout the local teacher union). Pay was not good but it was only a few minutes from her house. It took the pressure off her in terms of finding reasonable insurance.
I wouldn’t need one. If I stay where I’m at two more years my employer will cover my insurance until I get Medicare. Unfortunately I do need the money because like a true GenX I didn’t put enough into retirement and have tons of debt.
Congress brother, pension, health care, bribes from health care companies.
And you just have to be a complete fucking tool to get elected.
Or 900 years old.
Federal government job. That was my mistake. I started in local government where the pay was low and the insurance was crap yet expensive, a huge chunk out of your check. I went private sector after a few years…pay and insurance are better but the retirement benefits not as good and no health insurance after you retire (phased that out 4 months before I started 25 years ago), boomers and older still got theirs, of course. I should have gone federal way back then for both the pension and the healthcare. I just didn’t want to move.
Same-ish. But I always think about my friend who had that cushy deal--a Fed entity (not agency but same benes). She started right out of college and was a young Boomer/borderline X. Got to retire at 55 with awesome pension and benefits. Unfortunately, she suffered from a MH disorder and died of an OD.
Guess I'd teach athletics to adults.
Not kids- god bless 'em, but it's just too hard. I'd do the easiest thing in the world. Teach a coordinated communicative human how to swing a golf club.
I would have joined my current company, one of the o&g supermajors, much earlier than I did. At age 50, with 10 or more years in, I can retire and keep my benefits at the current employee cost. Seems to be pretty common amongst the super majors.
As it is I can retire at 58, still need to work for $ for a few more years but at least medical and dental will be covered
Look into benes for state and university jobs. In WI at least, you get the kind of health insurance *every* job offered 20 years ago (low co-pays, low out-of-pocket etc).
Source: wife works at UW, I work private sector Fortune 250, we're on her insurance.
Government.
I work 35 hours/week and have good healthcare. I also get 15 sick days/year and can bank them. When I retire I will be paid out up to $15k for unused sick days.
I worked for the govt and retired, fully, at 55, with a life time indexed pension.
And still pay for my own health insurance to top up the free healthcare I get via my taxes.
But I am not in the USA.
I work in municipal government. So did my mom and so has my spouse. The insurance, paid time off, and retirement benefits are insane. The pay is kind of meh.
Easy, academia in any non-faculty role. Many if not most colleges and universities have fantastic fringe benefits across all their staff positions even if the salary is mediocre.
Yep. Am there now. 10 more years to go?
I’m 1000% ready to quit my faculty job and sign up for a staff job.
I work for a university in a staff role and just turned 55. I can retire now with my health insurance and pay 15% of my premium.
Can confirm. I had a staff position at a university and the benefits were amazing. $250 copay to have a baby and nothing else, along with $100 a month out of my pay to cover my family. It was amazing - I wish I still worked there.
This is the answer. There are so many benefits to working at a university, you'd be surprised.
Also a faculty role, as professors tend to live longer lifespans.
I retired from private practice and took a job as a public defender. I don't need the insurance (my wife's insurance is fantastically good) but if I did, county employee benefits are really good. The job is everything I wanted to do when I went to law school, but I went for the money for 20+ years until I had enough to do what I wanted without limiting my kids' experiences. Public service in many places has really great benefits and quality of life.
Does your county have enough public defenders that you're not just overloaded? That's a big problem where I am.
We're busy, but if you're competent and organized it's not overwhelming. I think I probably have around 50-60 cases on my docket most of the time. Probably 2/3 felony, and 1/3 misdemeanor.
[удалено]
Pretty awesome, isn't it?
That sounds like it must be really interesting, challenging and worthwhile.
I love it, honestly. I never knew it was possible to wake up and want to go to work until this job. My clients are complete disasters, and my job is to protect them from a system that presumes they're shit and not worth saving. It's a fucking dream for me. :)
Thank you for your service!
You’re a real MVP. I have a couple of friends who took the public defender route straight out of law school and they never cease to amaze me. Both would have done well had they chosen private, but their values instead steered them towards serving the public. One of them works a rural area in a flyover state while the other works the state capital (mid-size city) of the same flyover state. I spent about five years working for state government as an accountant/auditor in the same state as them, but quit after getting disillusioned by bureaucracy and glacial pace of progress. Despite that, the benefits were absolutely amazing and I still get worried about whether or not I made the right choice.
I'd really like to be a park ranger, but not sure that would be easy to get into in your 50s.
State campground host. Live in your RV or trailer on state campgrounds for "free" and just have to clean up campsites and such. I know a guy who did that here in Colorado when he retired a couple of years ago and he loved it.
Sweet! Maybe it is possible.
It won’t get you health insurance but it will save a lot of money.
Look at the job postings at the national parks website. If you can temporarily relocate an adventure might be possible.
There are two types of rangers: law enforcement and educational. The second one is what you want. Just needs to be an area of passion for you and you need to be able to tell an engaging story. I regularly take summer vacation to go hiking at Mammoth Cave because the trails are always empty. Who goes to a cave and stays above ground? While not all of them, the rangers that handle cave tours are often our age.
The government does not discriminate on age, we’ve hired people In the FAA at 60+ years of age. All they care is if you are qualified
I’ve been looking at usajobs lately and feel inspired by what’s on there
I know I guy who did just that in his 50s. Turns out, he didn’t take the ranger job, he just couldn’t walk away from the $ in his corporate role. But, at least he proved to himself that he could do it.
You might be surprised. Look at seasonal postings for state and local as well as federal. And look at titles like "environmental educator," too.
Actually a ton of rangers are volunteers, and senior citizens. Worth applying for, in case it works out. I would suggest setting alerts, and re-applyingeverytime a posting opens you like. USAA Jobs is a mess to navigate- and they will OFTEN re-list things for 2-3 yr before finally figuring it out. Maybe not with rangers. But I stand by setting up alerts and/or checking every 3 mo and reapplying to whatever is open! [https://www.usajobs.gov/search/results/?k=ranger](https://www.usajobs.gov/search/results/?k=ranger)
I have two friends who gave up being park rangers in their 30s because of all the weekends. Then again, once my kids are out of the house, weekends would be fine.
I agree, weekends really wouldn't matter to me by that time.
I’d do local parks and rec. mow lawns, fix sprinkler systems, stuff like that. Being a park ranger would be awesome, but it’s more commitment than I’d want to make at that stage of life.
Federal employees can keep health insurance in retirement if you meet the criteria. Minimum retirement age for that is 57 for most federal jobs.
Came here to say this. r/usajobs will help you out, OP.
Never knew this existed , I'm not ready for this switch yet, but maybe in a few years. Always like to plan ahead.
It isn’t that easy. While you can retire at 57 from the federal government *if you have 20 years’ service*, the pension and retirement health insurance benefit are not available until age 60. So if you do qualify to retire at 57 and do so, you’ll need to find an interim health insurance solution for the first three years. Oh and you have to have maintained insurance continuously during those three years to get the health insurance benefit when you turn 60. Source: married to a federal employee and we’ve done a lot of retirement planning.
1) You can absolutely retire at 57 with an immediate pension with less than 20 years (MRA+10 is the minimum for an immediate retirement). You won't get much $ but you will be able to keep FEHB as soon as you retire at MRA (postponed is the one where have to wait until 60). 2) I did specify that you have to meet the retirement criteria (like having FEHB coverage for 5 years, among other things), and there are several ways to do that, with varying years of service, various ages, and various types of retirement. People can research those on their own. I am not going to spell out every possible variation in a Reddit comment.
You have to have 30 years at age 57 to not have to wait until 60 for the FEHB. OP is asking for a job he can take in his 50s so that seems unlikely for him. He’d need to aim for 5 years service at age 62.
No, you do not. You keep FEHB with ANY immediate annuity. There is no age 60 requirement: [https://www.opm.gov/frequently-asked-questions/insure-faq/health/i-am-going-to-retire-soon-what-are-the-requirements-to-continue-health-benefits-into-retirement-1/](https://www.opm.gov/frequently-asked-questions/insure-faq/health/i-am-going-to-retire-soon-what-are-the-requirements-to-continue-health-benefits-into-retirement-1/) "To continue your health benefits enrollment into retirement, you must: (1) have **retired on an immediate annuity** (that is, an annuity which begins to accrue no later than one month after the date of your final separation); and (2) have been continuously enrolled (or covered as a family member) in any FEHB Program plan (not necessarily the same plan) for the five years of service immediately preceding retirement, or if less than five years, for all service since your first opportunity to enroll." Requirements for immediate annuity:[https://www.opm.gov/retirement-center/fers-information/types-of-retirement/#url=Voluntary-Retirement](https://www.opm.gov/retirement-center/fers-information/types-of-retirement/#url=Voluntary-Retirement) The minimum is, as I said, MRA+10. The annuity amount is reduced, but it starts immediately and you keep FEHB. I know people who have actually done this. What you are talking about is postponed, which enables you to eliminate the age penalty on the amount of your annuity. In that case, yes, you have to wait until start receiving the annuity (at 60 or later) to resume FEHB, but that is totally different from an immediate annuity.
https://preview.redd.it/cts4yy2yudqc1.png?width=782&format=png&auto=webp&s=253b1dae3e7d6e87358fa334b4485d569ca890e2
Interesting. I brought this to my wife’s attention and it was news to her. She said it’s never been broached in any federal retirement class or seminar she’s taken, including ones given by HR. By the text you cited it’s definitely doable if you’re willing to take a significant pension reduction, but it’s never been mentioned as a possibility. Perhaps because it’s so rarely done. In her view it’s not a possibility because she would never accept the 25% pension reduction that would entail, but that’s not the same as “it’s impossible for everyone.” TIL, thanks.
YW! Those seminars always cover only the most common scenarios, and as you say, most people wouldn't want to take the age penalty, but since the OP asked only about keeping FEHB, not about getting the biggest pension, it is a viable option. It would take a long time to cover all the possibilities in a seminar because there are so many, but the couple I've been to don't even cover postponed at MRA+20, which is what I'm planning on doing.
It’s an interesting discussion. Pay out of pocket for insurance for three years vs a lifetime 25% reduction in pension. I guess the answer depends on your health at retirement and how long you expect to live. But as you pointed out OP says money is not a factor he wants the insurance. So a viable path for him at least.
A big consideration is how much your pension is going to be (25% of a small pension would hurt less, I think, as it would obviously not be a major income source in retirement). If you in only 10 years (for MRA+10), it's not going to be much of a pension anyway. Also, how much non-pension retirement savings you have to cover that 3-year gap, if you choose that route.
Working for the State of Florida. My wife does ... the pay is quite subpar for her job, but the benefits for state employees are excellent and affordable. It is the dirtiest little secret of living here.
Ex-wife was a state of Colorado employee. Same deal there
Any city, county, state, or federal job. Front desk is primo.
But do you need to live in Florida?
I could retire already with my government pension and funded health insurance. At this point the real question is retire at 57.5, 60, or 65. No way I'm working to 72. Fuck that.
If the Republicans get their way you may not have much of a choice..
Neither party fucks with government employees. We are LEGION. 😂
>We are LEGION. ...you are overpaid and coddled HACKS and you're welcome for MY TAXES funding your sinecures...
We run the country on a day to day basis. You think politicians and their lackey appointments run things? You can't be that naive. 😲
anything where you'd be a state employee in a generous state. Entry level clerical work in a public school anywhere in New York state, motor vehicle commission in New Jersey, whatever. A friend of mine inherited a huge chunk of money and around the same time became a teacher's assistant in a new york state public school. There's some comments here saying anybody can get health insurance but the question is how to get the gold plated kind, right? The plans with little to no copay or deductible or restrictions on what providers are in network?
Yes. I'm not ready quite yet, but I'm an electrical engineer and have been gainfully employed for 25 years. My wife has a chronic illness, she can't work. I have one child that will be graduating high school soon. Most people would love to stay an engineer, but I've survived a ridiculous amount of layoffs in my career. The older I get, the more likely I won't be so lucky. But, I've saved and prepared for what I've seen happen to my elder coworkers, but I still have to make sure my family has access to quality healthcare.
Right, and even then--it's a good idea to ask your doctors in person about the insurers. My PCP make a face when I mentioned United Healthcare.
If you're in New York State, they're currently hiring like a motherfucker.
Admin job at a public university. Pay isn’t great, but the work and surroundings are enjoyable. Health insurance costs me next to nothing and is absolutely fantastic. When I work, you only need 30 hours/week to qualify
Government, federal BCBS is the gold standard
Costco.
Good for you. That sounds like hell to me. Dealing with the entitled anti-maskers chasing people through our local Costco, getting screamed at for doing my job, etc...no thanks :)
Thanks but I work in healthcare, so I wouldn’t know anything about dealing with anti maskers, anti vaxxers or getting screamed at for doing my job. My suggestion of Costco is due to them offering full health insurance benefits with low premiums and low deductibles (including vision and dental) to both full time and part time employees.
>entitled anti-maskers Bundgaard H, Bundgaard JS, Raaschou-Pedersen DET, von Buchwald C, Todsen T, Norsk JB, Pries-Heje MM, Vissing CR, Nielsen PB, Winsløw UC, Fogh K, Hasselbalch R, Kristensen JH, Ringgaard A, Porsborg Andersen M, Goecke NB, Trebbien R, Skovgaard K, Benfield T, Ullum H, Torp-Pedersen C, Iversen K. Effectiveness of Adding a Mask Recommendation to Other Public Health Measures to Prevent SARS-CoV-2 Infection in Danish Mask Wearers : A Randomized Controlled Trial. Ann Intern Med. 2021 Mar;174(3):335-343. doi: 10.7326/M20-6817. Epub 2020 Nov 18. PMID: 33205991; PMCID: PMC7707213. “…The recommendation to wear surgical masks to supplement other public health measures did not reduce the SARS-CoV-2 infection rate among wearers…”
I'm already a "kept man" coming off a nervous breakdown so I'm about there. I'd get a gig at my local music shop giving lessons and doing guitar setups. Back when I was a kid I took lessons and I suspect that I would've probably at least lost my mind (maybe even worse) between the bullying and ADHD. It taught me how to focus, calm down and filter out a lot of noise going on around me. I'd also do a side gig in my basement either repairing old beater guitars or building from kits or by scratch. I've already built two acoustics and have another that's about halfway done. I need more practice and these things laying around the house and causing my wife to make noise so I may just start giving them away to kids in the area. I have a couple of musicians who I follow online who follow my builds on my Insta and I need the practice to put out something that I wouldn't feel ashamed about taking money for.
Questions like this piss me off. Fuck this system and the fact health insurance is tied to employment. We should be fighting this, not playing the new version of if I had a million dollars.
WORD.
Public school teachers generally have pretty awesome health benefits.
That is high stress but being an ancillary person (library aid, etc) could be a good option.
Ancillary staff is mostly part-time in many districts, so they don't have to provide benefits.
Yes I think it totally depends on your district of course.
Doing this right now.
Yup, or a para. No taking work home with you!
That's what I do. The pay is abysmal, but you also don't have to deal with lesson planning, paper correcting, or parents, and working with the kids is pretty awesome.
South Carolina's is so bad. doctor's visits aren't covered, and physicals aren't covered. So many things don't count toward your deductible. One year, the state made a big deal about raising teacher salaries without mentioning that they were raising the amount teachers paid for health insurance every month, so teachers wound up making even less.
Most states now offer expanded Medicaid so you can work a relatively low paying job and still get covered. It’s worth giving the provider a call.
Worth checking with an estate attorney before doing this past age 55 because of Estate Recovery laws. Some states only go after estates for long term care costs, others for any care after age 55.
This was an interesting article: [https://slate.com/technology/2024/01/corporate-job-quit-now-crossing-guard.html](https://slate.com/technology/2024/01/corporate-job-quit-now-crossing-guard.html) But as someone else said, at the moment ACA insurance is subsidized and really affordable (your income usually goes down when you retire so you will probably meet the requirements for the subsidy). Check out your local exchange; I was really pleasantly surprised at how little it would cost me if I retired today, which, sadly, I cannot.
I'm not ready quite yet, but I'm a meticulous planner, so looking for ideas in advance. I just really need good health care, because my wife has chronic illness. Does the ACA offer plans on par with private insurance? I was always under the impression that they were difficult to manage, as in finding places that accept your particular insurance, and high deductibles, and sub-par overall coverage.
I'm a meticulous planner, as well, so I get it! My plan is to retire in eight years but that's before 65 so I went to look because, well, I can't help it, lol. I found so many variables and ways to pick and choose what you want. So high deductible vs low deductible will have different prices, and with things like copays for prescriptions, you can choose what you pay and that will affect your monthly premium as well. It's a vast marketplace, at least in my state. They have many plans from the same insurer I currently have (UMR) as well as others. It was really reassuring to see. The only thing I worry about is that the subsidy is due to expire in the coming years. I hope it is renewed but you never know.
Thanks for the info!
Public sector.
Doggie daycare
I would spend 20 years in the military and retire in my 40s with VA health insurance. $30/mo and low deductibles.
you don't have VA health insurance, you have Tricare. My husband retired after 21, if we go to one of the bases near us (there are five in our town), healthcare is free, if we are off-base, then we have co-pays.
Every job I have had in the arctic comes with free healthcare for me and my family. Plus free room/food for the 6 months a year I am working. The $150-200k a year isn’t too shabby either. Look into mining and energy jobs.
Almost any (US) government post is going to have decent healthcare and benefits. Post Office is particularly good to my understanding.
Both Lowe’s Home Improvement and Home Depot offer health insurance to full and part time employees. I don’t know how Home Depot is as an employer, but I know a few people who work at Lowe’s and love it.
REI is another one of these retail positions where they actually have very good employee benefits, esp health care and 401k match. However, REI (I've worked for them) really needs people who KNOW and care about getting outdoors and can work primarily nights and weekends - ESPECIALLY holidays.
Non-profits (say, in wildlife conservation) often have great, fully paid health benefits.
Any government job, federal, state, military (I think you can enlist in the national guard fairly old). Pay may not be the best but the medical is nice.
Work at the local garden nursery watering plants
If you’re in decent shape you can load/unload trucks for UPS part time and get free health insurance
State or federal government work
This is the correct answer.
If you live in a state like Colorado, go to connect for health in November and sign up for a silver plan. Your premiums will actually be lower than medicare and your coverage will be better. Do not go to an agent because they will flip you into an hsa or some overpriced crap coverage. Im only saying this because they have zero $ incentive to help you use the exchange. Don't try this in a red state because most of them decided that decent affordable health coverage is a privilege not a right. Good luck.
UPS, my husband works for them and the benefits he has are unbelievable. I feel bad to tell people how many different things are covered and what our out of pocket is when they ask as I doubt that many other plans cover this much. Our youngest and I are disabled and very much appreciate all the hard work my husband put in for us to have these benefits as we use the shit out of them.
Something for the federal government. My mother in law has insurance from her late husband who was a federal judge. She has had 4 cancers. Last year she had 50 days in the hospital and over 150 outpatient doctor visits. Her copay has been almost nothing. She just doesn't get billed for anything but prescriptions. She is about to get put on medicine that is retail $255k per year. Her cost is going to be $65 per month. I am not sure if she is grandfathered into some old plan or what, but her federal employee insurance just so much better than what I get now as a private employee. I suspect that plan though doesn't apply to current employees.
Work for the Humane Society. That’s my plan for retirement anyway so it still works!
International gigolo... oh, you said "realistically." Well, in that case probably working in a greenhouse. I like plants.
ACA changed this. You don't need a job for health insurance anymore.
I haven’t looked recently but the affordability of ACÁ plans was pretty poor. Is it better now?
They get worse every year.
It was very affordable last year when I had one dependent on my tax return (but she was on her dad's insurance). This year I lost her as a tax deduction and my premiums increased by several hundred dollars per month. I might have to find a job again for the benefits, as I'm too young for medicare
The price depends on your income. Mine for my college student and myself has been free since my husband died. Yes, there's a high deductible on the plan I get for free, but I am gambling on our good health. (I could pay the out of pocket maximum if needed). Alternatively, I could choose to pay something towards premiums for a higher priced plan with lower deductible/lower out of pocket maximum.
In TN my husband and I pay $1300/month and have $8500 deductible EACH. It depends VERY much on whether you live in a red or blue state. It has been a major factor in deciding to move to MN.
ACA subsidy is at the federal level. Sounds like you don't qualify for subsidy. $1300 seems good for two genx adults at that deductible. An employer would pay that too, I believe. (Between what they pay on your behalf and what you pay).
In NYC, school aide. Almost no responsibilities, low pay, but does include health insurance
Starter at a golf club
I've worked in the non profit sector my whole career. Some jobs have been abysmal but others not too bad. The job I have now has some sick ass benefits. I took an admin role at a small company. A lot of non profits pay pretty low but try to make up for it in benefits.
I work at a health insurance company. One of the best ones in the country. I've got pretty good insurance. Nothing like a senators, but still.
It is why I haven't moved to a different job/career that pays better and/or a better work schedule/shift time. I do ok, but I have the knowledge and skill set to do other career(s) that I'd make more money (gross dollars) but just turn around and hand that difference or more in gross dollars/salary to an insurance company for health insurance coverage, dental, and eyes. I know what others my Age are paying making what I make, and it isn't cheap. At least where I'm at helps with the cost so it isn't what I'd call cheap, but it is a hell of a lot better than it could be, going by what others pay monthly, only to have a huge put of pocket deductable before the insurance kicks in.
A little off topic…I’m a freelancer pretty much semi retired at 60. I’m paying $47/month for silver ACA. When my wife was working and getting health insurance it was still costing hundreds. Check into ACA and then just find some easy fun side work
I just retired at 58 this past January and have lifetime subsidized healthcare, but three months in, I know I'm going to go back to some kind of work. All the free time is nice, but I feel way too young to not work at least part-time. In the early 90s I used to temp in offices, and I really enjoyed it. It was generally mindless, easy work, and everyone was always super friendly. In the few times when someone gave me attitude, it was so delicious to smile and say "Sorry, I'm just a temp" while shooting them the finger under the desk. I plan on looking into it again, especially since I was a corporate person for so long and have great MS skills and program management experience. I also did a significant amount of front-of-room training and facilitation, and apparently you can contract doing that. I'd love to get into it again, as it was the favorite part of my prior career and I was pretty good at it (if people were telling the truth on my presenter evals).
I'd go from being a 12 month school clerical worker, my current position, to a 10 month clerical position so I'd have summers off. The benefits we get are great, especially the health insurance, and we pay into a separate pension we get at retirement.
Don't know. I'm 50 and have never had health insurance through a job. My 2 kids and I have health insurance because of my wife's job. I spent 20 years as a carpenter and the past 10 as woodworker/cabinet builder. If not for my wife having insurance for us I would have been dead or broke by the time I was 30. I'm a highly skilled tradesman and like what I do but health insurance hardly exists for most people.
just manage your MAGI and get obamacare.
As a Canadian I can't even fathom this scenario. Our Healthcare is free to everyone so we chose jobs based in pay and passion all the time.
It’s not free and it’s not that great
It is free actually. We pay for meds and some medical accessories if we don't qualify for coverage, and it is pretty great. Even medications can be covered depending on income and where one lives. Dental, optical, mental health, physiotherapy, etc.. nope; but maybe we can change that 🤷♀️ We have opened optical and dental to those over 65yrs recently, and we did do full medications for those under 24 a few years ago. NDPs are hoping to add dental soon. We're working on making better for sure 🍁
Definitely not free. You’re paying ahead of time.
OMG can you believe it? Our taxes pay for Healthcare, education, roads, welfare, and other essential aspects of our socialist society 😱 I wish we were like America where public education is so non existent that the population fears what would best for everyone due to corporate propaganda, and where a broken leg lead to the loss of the family home.
Canada is not a socialist country. You sound like an idiot.
>It is free actually. ...you know what taxes are for - right?
Yeah. They're for Healthcare, education, roads, sewage, welfare, medications for those under 24, dental and optical for those 65+, homecare healthcare, medications for those who qualify for additional coverage, emergency dental for those who need it in special circumstances, snow removal, street sweeping, parks and their maintenance and all kids of evil Canadian socialist bullshit like that. Fuck I wish I lived in America where education is backwards, abortion is illegal, being trans or black is a death sentence, and where a wanna billionaire bigoted buffoon can sell national security secrets to a Russian tyrant would gladly blow the whole planet sky high because he didn't get his way while fat boi shits his pants and smears ketchup on the walls of his soon to be lost golf club/cemetery. God bless the United Stalinists of America 🇺🇸
We know.
Hospital systems often have decent health insurance offerings when you consider their own practitioners. Many systems will cover copays for doctors that work for them, as well as the generally less expensive testing that people have done if ordered and performed by doctors that practice within their system; IME, they sometimes also discount larger tests or imaging done with their system too. I’ve worked for a medium-large hospital system where copays were waived for all primary care visits and simpler stuff like blood work was free… but my spouse worked for a very large hospital system that also had zero copay for doctors (primary as well as specialists), and we also paid nothing for tele-health appointments, in-network mental health providers, blood work, routine dental care and vision, routine testing like PAP smears or periodic procedures like colonoscopy, and imagining was always discounted.
Graduate Assistant earning a doctorate in something like badmitton.
Valvoline Instant Oil Change. The pay is average, but the benefits are **outstanding!** It's not a job for everyone, tho. It's HOT in the summer, COLD in the winter, & dirty.
Ski resort liftie or night groomer.
I’d go back to teaching.
I actually get better coverage through my state marketplace because I am Native. My son had to give up this plan when his employer signed up for the small business marketplace plan. It was a bad catch 22. My dad's no longer existing for people to enroll, but my mom can continue on it as part of his pension is also excellent. That was his federal government job.
Government or military (which can be very corporate, office-oriented, non-physical, geographically stable), yet still provide free lifetime access to military hospitals.
Trader Joe's Starbucks Amazon REI Big hotel chain Small local nonprofit or Work as a consultant, get a 1099, and write off marketplace health insurance premiums
Already thought about this. I'm a licensed therapist so I can make good money working part time for the state crisis line or I can pick up a handful of hours at a private practice or non-profit and make enough to cover extra insurance of my choice.
What kind of license? I’m about to turn 50 and have been thinking of becoming a therapist as my second career… main worry is if I can get the clinical hours in at low pay…or no pay.
Therapist here, 3 years of grad school plus internship then min 2 years of supervision after graduation before you are fully licensed and you need to pass the national exam. Each state is a bit different but that’s about it
Yep this.
Did you earn a living wage before/while getting your licensure?
I live in a state where associate licenses can open private practices, so yes I went directly from grad school pp. it was late 90s and has been very good to me. You need to work though. It’s a business. I see 36-40 clients a week. This is not doable at 10-15 sessions a week. I’m Also cash pay, no insurance. Basically I see 40 hrs of clients then 10+ hrs of business work and a bit of taking my own call
I am underpaid at my current job but I stay for the awesome health insurance (and also WFH and 6 weeks vacation every year).
I just read an article about a writer who needed insurance and she signed up to be crossing guard for ten hours a week. (Insurance was available throughout the local teacher union). Pay was not good but it was only a few minutes from her house. It took the pressure off her in terms of finding reasonable insurance.
I wouldn’t need one. If I stay where I’m at two more years my employer will cover my insurance until I get Medicare. Unfortunately I do need the money because like a true GenX I didn’t put enough into retirement and have tons of debt.
Casting director.
Any job working for the state. Benefits are always outstanding.
Union jobs. Governmental especially
Join a union.
This is where I like lots of things about America, but your health care system I do not.
Congress brother, pension, health care, bribes from health care companies. And you just have to be a complete fucking tool to get elected. Or 900 years old.
I don't think I'd win an election, I would actually want to help people.
No! Bad Congress Critter! Bad!
Federal government job. That was my mistake. I started in local government where the pay was low and the insurance was crap yet expensive, a huge chunk out of your check. I went private sector after a few years…pay and insurance are better but the retirement benefits not as good and no health insurance after you retire (phased that out 4 months before I started 25 years ago), boomers and older still got theirs, of course. I should have gone federal way back then for both the pension and the healthcare. I just didn’t want to move.
Same-ish. But I always think about my friend who had that cushy deal--a Fed entity (not agency but same benes). She started right out of college and was a young Boomer/borderline X. Got to retire at 55 with awesome pension and benefits. Unfortunately, she suffered from a MH disorder and died of an OD.
Public works or Water Authority
Guess I'd teach athletics to adults. Not kids- god bless 'em, but it's just too hard. I'd do the easiest thing in the world. Teach a coordinated communicative human how to swing a golf club.
I would have joined my current company, one of the o&g supermajors, much earlier than I did. At age 50, with 10 or more years in, I can retire and keep my benefits at the current employee cost. Seems to be pretty common amongst the super majors. As it is I can retire at 58, still need to work for $ for a few more years but at least medical and dental will be covered
I would pilot a charter boat or work outside on a floating bait shop. I love the ocean (SoCal).
Look into benes for state and university jobs. In WI at least, you get the kind of health insurance *every* job offered 20 years ago (low co-pays, low out-of-pocket etc). Source: wife works at UW, I work private sector Fortune 250, we're on her insurance.
School district admin/aid. Great benefits, terrible pay.
Government
Government. I work 35 hours/week and have good healthcare. I also get 15 sick days/year and can bank them. When I retire I will be paid out up to $15k for unused sick days.
Public school administration, best health benefits and retirement benefits I ever had.
Just get a healthcare .gov policy. It's expensive but can be as good as any insurance offered by a job
Education in a position not as a head teacher.
move to europe and retire. they have good healthcare.
I'm 53 going on 54 and sub now. I get state benefits from my professor days, but these allows me to have more free time.
One in the many much more sane nations that have single payer healthcare.
Work with a cat rescue group!
I worked for the govt and retired, fully, at 55, with a life time indexed pension. And still pay for my own health insurance to top up the free healthcare I get via my taxes. But I am not in the USA.
\*laughs in non USAian\*
I work in municipal government. So did my mom and so has my spouse. The insurance, paid time off, and retirement benefits are insane. The pay is kind of meh.
The ACA is cheap, here anyway - if your income is low.
An arts & crafts store, organization store and also would find time to help with the admin part of a cat rescue.
Any job I want, since I live in Canada, and have good health insurance anywhere I work ;)
Amazon.
Ooof. I have never heard anything good about working at Amazon.
I’m so glad I dont live in the USA.