Ngati mukugwiritsa ntchito inshuwaransi ya inshuwalansi, mwayi wanu watha , mwataya ntchito , kapena mnzanuyo anamwalira. Zonse mwazimenezi zingapangitse kuti ndalama zanu zikhale zofooka ndipo ndalama zanu zimakhala zovuta kuposa momwe mungaperekere. Mofananamo, kupanikizika kwa zinthu izi kungakuchititseni kuti musamvetsetse tsatanetsatane apa kapena apo.
Ngakhale kuti nthawi yomalipira kulipira COBRA ya inshuwalansi yothandizira inshuwalansi ndizovuta kukumbukira, sindinu munthu woyamba kumachedwa kulipira ngongole yanu ya COBRA.
Zotsatira za kubwezera mofulumira kwa COBRA zingachoke pa vuto linalake kuti zisawonongeke mwakuya kwanu ku COBRA. Zomwe zimachitika mmoyo wanu zimadalira ngati mwachedwa pa msonkho wanu woyamba wa COBRA kapena mochedwa ndi malipiro a chitukuko chokhazikika cha COBRA.
Posachedwa Kulipira COBRA Premium
Mphoto yanu yoyamba ya COBRA iyenera kulipidwa mkati mwa masiku 45 a nthawi yomwe mumasankha chithandizo cha COBRA. Mtsogoleri wanu wa COBRA adzalingalira tsiku limene chidziwitso chanu cha chisankho cha COBRA chidzatsimikiziridwa kukhala tsiku limene mumasankha COBRA. Chotsindikizira chimenecho chimakhazikitsa maola a 45-day ticking.
Malipiro oyambirirawa a COBRA premium adzakhala akuluakulu kuposa malipiro amodzimodzi pamwezi chifukwa iwo amatha mwezi woposa inshuwalansi ya inshuwalansi. Phatikizani ndalama zokwanira kuti mupereke malipiro anu kuyambira tsiku limene munataya kukambirana chifukwa cha chochitika chanu cha COBRA patsiku limene munasankha chithandizo cha COBRA.
Mwachitsanzo, ngati mutataya mauthenga pa May 1 ndikutumiza fomu yanu yosankhidwa ya COBRA pa June 15, ndalama zanu zoyambirira ziyenera kulipidwa m'masiku 45 a June 15.
Muyenera kusunga ndalama zokwanira kuti mupeze inshuwalansi yanu ya COBRA kuyambira pa 1 May mpaka June 15.
Palibe nthawi yamtengo wapatali ngati mwachedwa kumalipira kulipira kwanu koyamba kwa COBRA. Ngati salipidwa pa nthawi, mumataya ufulu wanu kuti mupeze chithandizo cha COBRA; Muyenera kupeza njira zina za inshuwalansi za umoyo kapena simukulimbikitsidwa .
Kutsirizira Kwambiri Kubwezera Inshuwalansi ya COBRA yowonjezera yaumoyo
Ngakhale kulipira kwa premium kwa chithandizo chokhazikika cha COBRA chiyenera kulipidwa patsiku lomwe mapulaniwo akunena kuti akuyenera, mumasintha pang'ono kuposa momwe munachitira ndi kulipira kwanu koyamba kwa COBRA. Pali masiku osachepera 30 a chisomo cha malipiro ochedwa mwamsanga. Ngati simukulipiritsa malipiro anu panthawi kapena mu masiku a chisomo cha masiku 30, momwe mungathere kungathetsedwe kosatha.
Nchiyani chimachitika ngati mutapereka malipiro anu oyambirira mochedwa, koma akadali mkati mwa nthawi ya chisomo cha masiku 30? Kuwerenga kwanu kudzathetsedwa, koma mukhoza kubwezeretsanso .
Ngati ndondomeko ya thanzi lanu silinalandire malipiro anu patsiku loyenerera, ili ndi ufulu kuthetsa chidziwitso chanu pa tsiku loyamba la nthawi yolemba. Komabe, ziyenera kubwezeretsanso momwe mungayankhire ngati mupanga malipiro anu mu nthawi ya chisomo cha masiku 30. Kubwezeretsanso kubwezeretsedwa kudzabwezeretsedwanso mpaka tsiku loyamba la nthawi yolemba.
Chitsanzo
Tiyerekeze kuti mwakhala pa COBRA kupitiriza inshuwalansi ya miyezi 6. Ndondomeko yanu yaumoyo imakhala pa May 25 monga tsiku loyenerera kuti mupereke chithandizo kuyambira June 1 mpaka Juni 30. Mukusowa tsiku la 25 May. Inshuwalansi ya inshuwalansi yanu imachotsedwa pa June 1 st .
Mumathyola chiuno chanu pa June 10 ndikukweza ndalama zowonjezera chipinda cha $ 4,000.
Pa June 15, mumalumikizira positi ofesi pazitoliro, tumizani mapepala anu a COBRA mwamsanga pamasiku osangalatsa a masiku 30. Kampani yanu ya inshuwalansi ya umoyo imayenera kubwezeretsanso zomwe mukuwerenga. Kufikira kumabwereranso ku June 1.
Patangotha masiku angapo mutumiza kalata yanu yochedwa COBRA, mumalandira ngongole yochokera ku chipinda chodzidzimutsa kuti muli ndi ngongole yonse ya $ 4,000. Bungwe loperekera ngongole la chipinda chodzidzimutsa likunena kuti chigamulo chanu chinatsutsidwa chifukwa inshuwalansi ya umoyo yanu sinali yogwira ntchito tsiku limene munalandira chisamaliro.
Mukufotokozera kuti mudalipira malipiro anu a COBRA mochedwa, koma mu chisomo, komanso kuti inshuwalansi ya COBRA yanu yatsimikiziridwa ndi kubwezeretsedwa kwa June 1.
Mumamupempha kuti apereke chilolezo kwa inshuwalansi kachiwiri. Panthawiyi, inshuwalansi ya umoyo imalipilira gawo la ndalamazo, ndikusiya iwe kuti uwalipire ndalama zokwanira .
Ngati mutayang'anira mpaka 26 Juni kuti mupereke malipiro anu a COBRA mwamsanga, mukanakhala mutatha nthawi ya chisomo cha masiku 30 ndipo kufotokoza kwanu kwa COBRA kukanachotsedweratu. Iwe sungakhale wosatsimikiziridwa, ndipo iwe sungakhale ndi thandizo lolipira lipoti la ER ER. Nthawi ya chisomo ya masiku 30 imayesedwa kuyambira tsiku loyambira, osati kuyambira kumayambiriro kwa nthawi yowerengera.
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Zotsatira
Mafunso Ofunsidwa Kawirikawiri: COBRA Pitirizani Kukhala ndi Moyo Wathanzi, United States Department of Labor. http://www.dol.gov/ebsa//faqs/faq_compliance_cobra.html
Cholinga cha Olemba Ntchito Pogwiritsa Ntchito Zowonjezera Zowonjezera Zaumoyo Pansi pa COBRA - Consolidated Omnibus Budget Reconciliation Act ya 1986, Dipatimenti ya United States of Labor, Employee Benefits Security Administration. http://www.dol.gov/ebsa/pdf/cobraemployer.pdf