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There are several health insurance terms to understand:
Premium: The monthly fee for your insurance. Deductible: How much you must kick in for care first, before your insurer pays anything. Co-pay: Your cost for routine services to which your deductible does not apply. Co-insurance: The percentage you must pay for care after you’ve met your deductible. Out-of-pocket maximum: The absolute max you’ll pay annually.
Your premium is the amount you pay into the insurance plan on a regular basis.
If you purchase your own health insurance plan, you may have the option to pay your premium annually, quarterly, or monthly.
Health insurance premiums vary greatly depending on what medical expenses the plan covers, which doctors you can see, and how much you’ll have to pay in other ways when you use services.
Your health insurance deductible is the amount that you will have to pay annually for your healthcare (such as surgical procedures, blood tests, or hospitalizations—but not some routine care) before the health insurance pays anything.
For example, if you have a $2,500 deductible and undergo three $1,000 procedures in a year, you will have to pay the full bill for the first two procedures and $500 of the third … your insurance will cover half of the third procedure.
Increasing your deductible is the easiest way to lower your premiums and, if you’re mostly healthy, might be a good idea. Just understand, however, that if you have a $10,000 deductible and get sick, you could end up with $10,000 in medical bills in a year.
Typically, your deductible does not apply for preventative health checkups and many routine health services … you’ll just pay a co-pay instead.
Your co-pay is the fixed amount you pay for using routine services defined by your plan. For example, some plans charge you a co-pay for visiting your primary care physician, or an emergency room, or purchasing a prescription drug.
In most cases, the payment is the same regardless of the extent of the visit or the cost of the drug. For example, a plan may require co-pays of $20 for office visits, $100 for emergency room visits, $15 for generic prescriptions, or $30 for name-brand drugs.
If your plan charges a co-pay for certain services, this means you’ll pay much less for these services right away (and long before you hit your deductible).
By electrically signing this form, I acknowledge that I have receive a copy of Environmental Probing Investigations Employee Handbook. I understand that it contains important information about EPI's policies, that I am expected to read the Handbook and familiarize myself with its contents, and that the policies in the Handbook apply to me. I understand that nothing in the handbook constitutes a contract or promise of continued employment and that the EPI officers may change the policies in the handbook at any time.
By electrically signing this online form, I acknowledge that my employment is at will. I understand that I have the right to end the employment relationship at any time and for any reason, with or without notice, with or without cause, and that EPI has the same right. I acknowledge that neither EPI nor I have entered into any agreement for a specified period of time, that only an EPI officer may make any agreement contrary to the at-will policy, and that any such agreement must be in writing, signed by myself and Brian Kokot and Tom or Debbie Widmeier.
By electrically signing this form, I acknowledge that I have receive a copy of Environmental Probing Investigations Employee Handbook. I understand that it contains important information about EPI's policies, that I am expected to read the Handbook and familiarize myself with its contents, and that the policies in the Handbook apply to me. I understand that nothing in the handbook constitutes a contract or promise of continued employment and that the EPI officers may change the policies in the handbook at any time.
By electrically signing this online form, I acknowledge that my employment is at will. I understand that I have the right to end the employment relationship at any time and for any reason, with or without notice, with or without cause, and that EPI has the same right. I acknowledge that neither EPI nor I have entered into any agreement for a specified period of time, that only an EPI officer may make any agreement contrary to the at-will policy, and that any such agreement must be in writing, signed by myself and Brian Kokot and Tom or Debbie Widmeier.
My electronic signature below on this form indicates that I have read EPI's email and Internet policies and I agree to abide by their terms. I understand that any email messages I send or receive using EPI equipment are not private, and that EPI may access, monitor, read, and/or copy those messages at any time, for any reason. I also understand that EPI reserves the right to monitor my internet use, and that such monitoring may occur at any time, for any reason.
My electronic signature below on this form indicates that I have read EPI's email and Internet policies and I agree to abide by their terms. I understand that any email messages I send or receive using EPI equipment are not private, and that EPI may access, monitor, read, and/or copy those messages at any time, for any reason. I also understand that EPI reserves the right to monitor my internet use, and that such monitoring may occur at any time, for any reason.
I hereby acknowledge that I have received and read the EPI Drug-Free Workplace Policy, a summary of the drugs which may alter or affect a drug test. I have had an opportunity to have all aspects of this material fully explained. I also understand that I must abide by the policy as a condition of initial and/or continued employment, and any violation may result in disciplinary action up to and including discharge.
Further, I understand that during my employment I may be required to submit to testing for the presence of drugs or alcohol. I understand that submission to such testing is a condition of employment with the Company and disciplinary action up to and including discharge may result if:
1) I refuse to consent to such testing
2) I refuse to execute all forms of consent and release of liability as are usually and reasonably attendant to such examinations
3) I refuse to authorize release of the test results to the Company. The tests establish a violation of the Company's Drug-Free Workplace Policy, I otherwise violate the policy.
I also understand that if I am injured in the course and scope of my employment and test positive or refuse to be tested, I forfeit my eligibility for medical and indemnity benefits under the Workers' Compensation Act.
I ALSO UNDERSTAND THAT THE DRUG-FREE WORKPLACE POLICY AND RELATED DOCUMENTS ARE NOT INTENDED TO CONSTITUTE A CONTRACT BETWEEN THE COMPANY AND ME.
THE UNDERSIGNED FURTHER STATES THAT HE OR SHE HAS READ THE FOREGOING ACKNOWLEDGEMENT AND KNOWS THE CONTENTS THEREOF AND SIGNS THE SAME OF HIS OR HER OWN FREE WILL.
I hereby acknowledge that I have received and read the EPI Drug-Free Workplace Policy, a summary of the drugs which may alter or affect a drug test. I have had an opportunity to have all aspects of this material fully explained. I also understand that I must abide by the policy as a condition of initial and/or continued employment, and any violation may result in disciplinary action up to and including discharge.
Further, I understand that during my employment I may be required to submit to testing for the presence of drugs or alcohol. I understand that submission to such testing is a condition of employment with the Company and disciplinary action up to and including discharge may result if:
1) I refuse to consent to such testing
2) I refuse to execute all forms of consent and release of liability as are usually and reasonably attendant to such examinations
3) I refuse to authorize release of the test results to the Company. The tests establish a violation of the Company's Drug-Free Workplace Policy, I otherwise violate the policy.
I also understand that if I am injured in the course and scope of my employment and test positive or refuse to be tested, I forfeit my eligibility for medical and indemnity benefits under the Workers' Compensation Act.
I ALSO UNDERSTAND THAT THE DRUG-FREE WORKPLACE POLICY AND RELATED DOCUMENTS ARE NOT INTENDED TO CONSTITUTE A CONTRACT BETWEEN THE COMPANY AND ME.
THE UNDERSIGNED FURTHER STATES THAT HE OR SHE HAS READ THE FOREGOING ACKNOWLEDGEMENT AND KNOWS THE CONTENTS THEREOF AND SIGNS THE SAME OF HIS OR HER OWN FREE WILL.
We do our best to accomodate our client's schedules. But with that being said, our calendar may be a week or two out on our busy months.
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Thanks for your question.
It's important we have all information pertaining to your job. In most cases, we need to submit a markout to the state. For other projects, a permit is needed. This is for the safety of everyone on the team and possibly other project managers in the field.
New Jersey Law requires anyone digging to call at least three full business days (excluding weekends and holidays) prior to beginning work.
This includes excavators as well as property and home owners’ contractors. Contact New Jersey One Call and follow these steps:
WAIT for the site to be marked with paint, flags or stakes. See what colors each utility company uses.
RESPECT THE MARKS
DIG WITH CARE by hand digging within two feet on either side of any marked facility.
Results of Not Calling:
Personal injury, including loss of life.
Damage to the environment.
Costly property damage.
Damage to these utility lines: telecommunications, electricity, gas, sewer, and water.
Expensive delays and repairs.
Legal ramifications.
Civil penalties.
When processing a markout, you have the following options available:
EXTENT OF WORK:
Entire property (ONLY available with ADDRESS or POSTED Block & Lot)
Curb to curb
Curb to ___ ft. behind curb (of given address)
___ ft. behind opposite curb (of given address)
___ ft. behind both curbs (available only on “0” address markouts)
___ C/L of street to ___ ft. behind curb
___ ft. PERIMETER of building/structure
When requesting the perimeter on a “0” address markout, you MUST be able to provide the DISTANCE behind WHICH curb the building/structure is located.
___ ft. RADIUS of (pole/hydrant/etc.)
When requesting the radius on a “0” address markout, you MUST be able to provide the DISTANCE behind WHICH specific curb the pole/hydrant/etc. is located.
Area(s) marked in WHITE
To choose this option, you must provide the operator with the NUMBER of white markings, if they are coded (A, B, C, 1, 2, 3, etc.), and WHERE on the property the area is marked in white (front, rear, left side, right side).
Working at MULTIPLE ADDRESSES:
You must be able to tell the operator whether the addresses you are providing are:
Consecutive All (you are working from the lowest to the highest number provided).
Consecutive Even (you are working at ONLY the even-numbered addresses).
Consecutive Odd (you are working at ONLY the odd-numbered addresses).
Side by Side (the provided addresses are two properties directly next to each other).
One Building (the address range belongs to ONE property).
“0” ADDRESS REQUIREMENTS:
Primary Street (street work will be on/along/nearest to)
At least ONE nearest DIRECT INTERSECTING street.
Footage & Direction from the INTERSECTION that will cover the ENTIRE dig area.
If working at a pole/hydrant/transformer/white marking/ etc., you may give distance and direction TO WHERE THE AREA OR OBJECT IS LOCATED from the intersection.
If working on a large tract of land (park/school/military base/etc.), please have additional streets available that can be boundaries around your work area so that the operator can ensure all utilities are notified.
Private facilities are found everywhere in New Jersey, including single-family homes, farms, multi-family housing units, industrial areas, trailer parks, shopping centers and sometimes in the road right of way. Excavators must always be on the lookout for these facilities and inquire from home and property owners about the location of underground facilities that are not marked out as a result of a notice to New Jersey One Call.
Unless the private facility owner participates as a member of NJOC, owners of private facilities are not notified and will not mark.
Private facilities can convey many different types of products and provide various services. The following list contains only some examples.
Natural Gas
Private natural gas lines in a residential setting may provide fuel for different devices. Among them are barbecues and grills, pool heaters, yard lights or heaters in outbuildings, including sheds, garages or barns.
It is important to remember the operators of natural gas facilities only mark the line leading to the meter. A private facility almost invariably serves any appliance or device fueled by natural gas that is on the “other side” of the meter.
Electricity
Residential properties, apartment complexes, shopping malls and others may also have buried private electric lines that serve to power, among other things, yard or parking lot lighting, pool heaters or pumps. Additionally, on residential properties or farms, private lines may connect outbuildings like garages, sheds or barns to a source of power. Remember that the supplier of electricity usually only marks the power line up to the meter. If there is power in a garage or if another piece of equipment on the property runs on electricity, make sure to look for a private electric line.
Although the meter set is often found on/at the home or main building, in some areas, it is set on a pole or other attachment at a nearby power line. Red marks or flags leading up to a pole but not going on to the main building or home are clear indicators that there is a private facility in the area.
Other Types of Private Lines
Several other types of private buried lines may be found on private property. While some may carry low-voltage electrical current, they do not serve to connect an appliance or outbuilding with electricity. These include buried lines like invisible dog fences, data communications cables, and low voltage landscape lighting. Other private facilities can include water systems, underground sprinkler systems, private phone lines that collect outbuildings to a home or waste collection lines.
Be on the Lookout for Private Facilities
To dig safely, a good excavator must also be part detective. Because of the possible existence of private facilities on almost any dig site, a careful excavator will physically inspect the jobsite before submitting their mark out requests (or even bidding the job). They will take the time to talk to the property owner, see what equipment or power may serve buildings they will excavate around, and look for warning signs. They find out who installed the original underground facilities and contact them to determine if any records or maps exist. They also prepare maps of any new facilities they install, so that this problem doesn’t exist in the future.
When a property owner or tenant has any private underground facility, they are responsible for locating those facilities or hiring someone to locate them.
Please visit our geophysics website to reduce your risk of hitting underground utilities that may be unmarked by OneCall.
For more information, follow this link to geophysics advantages.
Approximately 20,000 new permits to drill wells in New Jersey are issued and tracked per year. Once a well is constructed, the driller is required to submit a well record document which is the as-built description of the well. Well drillers also submit a well abandonment report whenever a well has been decommissioned. There are about 800 licensed well drillers and 400 licensed pump installers in New Jersey; only properly licensed individuals are permitted to install, service and decommission wells and pumps. The Subsurface and Percolating Water Act establishes the State Well Drillers and Pump Installers Examining and Advisory Board, whose members provide advice to the Department on exam questions, license status and technical issues. All meetings of the Board are open to the public.
You can follow this link to fill out the form and after, please send to our office.
Follow this link, the DEP has lots reading material on this subject.
To submit a job estimate and scope of work, please follow this link. A team member will be in touch with you soon.
Sure. We use PandaDoc to send, track and monitor responses with our clients. Clients do not need an account to access the documents assigned to them. When a EPI team member sends a document assigned to you, press the link (button) saying open the document, view the document/pricing/terms and the electronic signature will be at the bottom of the document.
Have feedback about PandaDoc? Follow our suggestion form here.
Yes, many clients have sent us their ACH funds form to fill out. We not only accept this form of payment, but we prefer it!
There are quite a few ways to pay for your invoice. You can set up an ACH fund with, send a check or pay with credit card via Square (credit card fee may apply.) To get in touch with bookkeeping, send an email here.