I have not been officially hired, and I won't be until mid-August. But, a school board has offered me a position. I got fingerprinted and was given a packet of information to fill out. The woman literally handed me the packet and said I could leave. I thought the packet was information and a payroll stuff. Turns out most of the packet was insurance information and forms. It seems the school board that I will possibly be working for has already picked out the health, life, disability, vision, and dental insurance I should have. While that might not be a made thing. . . I would have liked a choice. For example, the vision insurance doesn't cover the eye exam and only covers frames bought at Wal-Mart. As a full time glasses wearer, I'd prefer to just pay for it out of pocket. Another thing - the worker comp insurance will only pay for benefits after I have been out of work for 135 days. Reading the forms, it appears that the school board has already decided everything and that it will simply be taken out of my checks. But, I really don't want half of what they are offering. I called to speak with someone, but the woman who handles the insurance is out until August 1st. I believe that I would roughly take home $2,450 a month, after taxes. So, I took that and subtracted my rent, food, other bills and all the insurance the school board already has me signed up for. After I would pay everything - I would have roughly $500 a month for gas and other wants/needs. All the insurances literally come out to $945 for the health insurance, vision insurance, dental insurance, three life insurances, accident insurance, work benefits, disability insurance , etc. There are literally eleven different insurances that I would be putting money into. But, I really only want and need three of these insurances. I'm sorry to be long-winded, but I have to ask: what does a new teacher do when they don't want things their school board is offering. I asked my parents and they are honestly completely confused by half the forms.