I love my wife and kids too. Our insurance certainly isn't top notch, but it's not horrible either. How about you get a job where the benefits suit you instead of pissing and moaning about how bad Fred treats you. YOU WORK FOR A TRUCKING COMPANY GENIUS. although you dream team types think you work for NASA and you are some kind of irreplaceable being that Fred can't live without and he should stoop down an kiss your ass and pay you 6 figures and give you 100% paid health insurance and a pension that would make bill Gates jealous... LOL. Fred could give you a million dollar bonus, free health insurance, and a double chocolate chip cookie for your birthday and you would still bitch about it. Some folks will never be satisfied no matter what the company does.