Tag Archives: e3

Now You Have Your H-1B or E-3 Visa What About Social Security & Healthcare?

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Apart from the fact online there is very limited information (especially freely available) about the whole visa process, how much it costs and how you can get one beyond a forum here and there, there is also not much about this topic.

So you have followed your own instincts, other resources or maybe even the information contained in this blog. You now have your H-1B visa or your E-3 Visa and you are soon to board a plane to take you to the US.

Well the first thing is to realise that you will have an experience that will benefit you for the rest of your life and no matter what you may face that may be different from what you are used to, it will be a challenge that will only benefit you.

So there are 2 aspects of society, I will cover briefly in this post today and combined with other posts both already posted and in the future you will get a great insight into the US life in the early days.

1. Social Security Number

This number is the absolute key to you function in the US System. Once you have a Social Security Number, you have it for life so if you have applied and received for a social security number on a prior visa like J-1 visa for Work and Travel or Internship that number still applies.

Many companies and people are under the mistaken illusion that you can’t get paid until you have the Social Security Number but that is NOT entirely true. You must have APPLIED for the Social Security Number at the the very least and your employer can put APPLIED where they would normally write your number on the employer tax forms. Then when you get the number it can be inputted. (this is the Government Social Security Site confirming you do not need a SSN to begin work).

You can apply for your Social Security Number (SSN) a few days after you arrive in the US on a work visa like H1B or E3. The reason why you have to wait a few days is that your arrival needs to be registered in the US System and that can take a few days.

All you need is your Passport with your visa, your I-94 card, filled out application form and letter of employment and you are set. The card will be mailed to usually within 2-8 weeks. You can often go back to the same office a few days later and get your number even if you haven’t got your card.

This number will be used by landlords, phone companies, banks/credit cards, health providers and of course your employer to verify you, check your credit, etc. so do not give this out to anyone as it is the basis of identity fraud in the US.

2. Health Care and Health Insurance in the US

I have a link to my Health 101 post in the US which is a little more detailed than this short synopsis will be. Suffice to say Healthcare and Health Insurance in the US is nothing like anywhere else in the world.

It is extremely expensive, there is virtually no safety net and the entire industry is a for profit venture like any other business. In most parts of the world, you are probably used to a system where your Government covers half, most or all of your health and medication costs. If Private Insurance is part of your system, the monthly costs or premiums while seeming excessive in your own land pales in comparison to the hundreds of dollars a month required here for the basic coverage.

Well chances are your employer either fully or maybe in conjunction with a deduction in your pay check is paying for your Health Insurance. Most coverage comes in 4 parts, being medical, prescription, dental and optical.

The terms you have to become familar with is the US Health system are;

co-pays: Which is a payment made by you as a small contribution for a medical visit (usually $10-$50 depending on your plan). Some plans have no co-pays

Rx: Is the US short hand mean prescription

in-network: Your health insurance provider negotiates rates with providers so they will usually cover 100% of fees if you visit somebody in network. They may only pay 80-90% of costs if you visit some out of network.

Also just as a final point of note US eye doctors and optometrists are not allowed to fill foreign eye prescriptions. You must have a prescription from a US doctor (you can always find places in Chinatown areas that will bend this rule)

I hope this all helped…till next time. 🙂

CJ

Are you on a H-1B Visa or E-3 Visa and now Laid Off?

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I wrote earlier in February about this very issue and the main ideas I had to help you find new employment so the posts I recommend reading are;

– Laid Off on an E-3 or H-1B Visa where I talk about the situation and idea where you can get your current employer to help and also an option in Canada
– Extending, Renewing or Changing Employers on your E-3 Visa this is also  helpul to H-1B holders or applicants as the process is very similar
– Information about the Top 100 Companies that sponsored H-1B visas last year where we discuss how this may help you and the genesis of the list which we made FREE for you
– The Top 200 List of US Visa Employers Last Year is a raw list of the companies that is beneficial to E-3 visa applicants as much as H-1B and even J-1.

Now I have received a lot of emails in recent times about;
How long people have?
How can they extend their time to look for a job?
Is the transfer process easy and not too costly?
Can you transfer to B1/B2 status to allow you more time to find a position?
Do I have access to any unemployment benefits since I pay Social Security/Payroll/FICA Taxes?
Can I work while the transfer process is underway?

I will try and document the answers to these questions briefly on one page, although a lot of these answers are in more detail elsewhere in the blog in other posts and you can go the All Posts List which documents all entries and visa information by title.

1. How long do I have?
Technically you only have 10 days to find a new employer once your current employer notifies USCIS of your termination date. We explain in the above post more fully how you can ask you employer to delay this notification to give you more time.
NB: Over time through guidance and enforcement changes, and post the financial crisis, the e-3 visa rules continued to more resemble the h-1b visa rules. So the 10 days have become more like 60 days. However always be cautious as you never know what might be enforced especially in the post 2016-era of US immigration.

2. How can you extend your time to find a job?
Will this really follows on from question 1, so the delay in notification is one option. Leaving and re-entering the US on the visa-waiver program is another option. Transferring to a B1/B2 visa or even another category (although you have to meet their individual requirements) can also potentially extend your time.

3. Is the transfer process easy and not too costly?
It certainly could be easier, I mention in the above linked post the entire process and forms involved. Eassentially it involves getting a new LCA form and a filing form for transfer of employer to USCIS which I think costs around $300 although this constantly changes. It can be relatively straightforward in what you do but it can be a long process.
Of course if travel is involed if you plan to get a new visa outside the country this of course will amplify costs.

4. Can you transfer to B1/B2 status to allow you more time to find an employer?
You certainly can trasnfer to B1/B2 if you do this application to USCIS. Visapro states USCIS officers have been allowed to exercise their discretion to grant you another nonimmigrant status, if you apply for change of status within 10 days after you are laid off.

5. Do you have access to any unemployment benefits as you pay Social Security taxes?
No you don’t in any shape or form if you are on any non-immigrant visa. Yes this is completely unfair given you are forced to pay these taxes just like a US worker but you have no claim to any benefits.

6. Can I work while the transfer process is underway?
For H-1B visa holders you can given the application has been filed and you have your approved LCA from the Department of Labor. However your transfer application could still be denied potentially by the USCIS.

For E-3 visa holders the answer is a little more strange as it is largely undocumented. So some USCIS officers will say the rules are the same as H-1B as they are for most other things when not fully documented as seems to be the general direction of the visa. However other officers say this is not the case and you have to wait for your transfer. This combined with the transfer visa application cost has caused many of E-3 to just go to Canada and apply for a new visa with their new employer instead.

Good luck if this is your predicament…I wish you all the best 🙂

CJ

**look I should say again I am not a lawyer but I answer these questions to the best of my ability having gone through the visa process many times and having shared experiences with many others so I want to save you guys as much money as I can with potential legal costs. Some of the policies change a lot and I try to keep us as much as I can but I do miss a few changes.