Chifukwa chiyani kugawanizako nkhani sikofunika nthawi zonse
N'chizoloŵezi kuti opereka chithandizo chaumoyo akufunseni nambala yanu yotetezera zaumoyo pamene mukufuna chithandizo chamankhwala. Kawirikawiri, anthu amatha kuchita zimenezi popanda kudandaula, koma kodi ndi kofunikiradi panthawi yomwe chiwopsezo cha umbanda ndi waukulu?
Kumvetsetsa FTC Red Flag Rule
Chowonadi ndi chakuti, mpaka posachedwa, opereka chithandizo chamankhwala anagonjetsedwa pansi pa zomwe zimatchedwa FTC Red Flag Rule.
Lamuloli linakhazikitsidwa mu 2007 ndi US Federal Trade Commission (FTC) monga njira yothetsera kudziwika mwa kufuna kuti onse okongoza ngongole asonkhanitse nambala za Social Security ndi zigawo zina zaumwini. Madokotala ndi akatswiri ena azaumoyo anali ena mwa iwo omwe akuyenera kutsatira chifukwa cha kuchuluka kwa chiwerengero cha kubala kwadzidzidzi .
Pafupifupi nthawi yomweyo, chigamulocho chinatsutsidwa ndi ogwira ntchito zaumoyo omwe adatsutsa kuti sayenera kuonedwa ngati ngongole mofanana ndi makhadi a ngongole kapena makampani a ngongole. Anali mkangano umene pamapeto pake unaperekedwa. Pasanathe chaka chimodzi chigamulocho chitakhazikitsidwa, Congress inaganiza zobwezera lamuloli ndikuchotsa akatswiri a zaumoyo pazinthu.
Momwemo, pamene madokotala angapemphebe nambala yanu ya Social Security, sizomwe zili pamtundu wa lamulo koma m'malo mwa ofesi ya dokotala mwiniyo.
Chifukwa Chimene Madokotala Akufuna Social Security Numeri
Madokotala amapempha nambala za Security Social chifukwa chimodzi ndi chifukwa chimodzi chokha: chitsimikizo cha kulipira.
Mfundo yosavuta n'njakuti anthu ambiri ku United States salipira ngongole zawo, ndipo madokotala nthawi zambiri sagwiritsidwa ntchito ngati sangathe kumutsatira. Monga momwe chidziwitso cha anthu onse ku America chimazindikiritsa, nambala za Security Social zimapereka madokotala otsiriza otanthawuza kuti asonkhanitse pa ngongole ngati munthu atha ndipo amatha.
Zili ngati zovuta monga momwe ena angaganizire. Malinga ndi lipoti la American Hospital Association, ndalama zoposa madola 40 biliyoni m'mabiliro a chipatala salipidwa chaka chilichonse. Izi sizimaphatikizapo madokotala odzipangira okha kapena mitundu ina ya chisamaliro chosamalidwa kuchipatala. Ndi vuto lalikulu lomwe limangoyendetsa ndalama zothandizira anthu kudziko lonse.
Komanso, sikuti ndi madokotala omwe akupempha manambalawa. Medicare, Medicaid, Ulamuliro Wachiwembu, ndi TriCare zonse zimafuna manambala a Social Security kuti akwaniritse zopempha zobwezera. Zakhala zachizoloŵezi zambiri ku US ndipo wina amene odwala onse ali nawo koma akukakamizidwa kutsatira.
Chifukwa Chimene Simukufunikira Kugawana Nambala Yanu
Kuchokera pa ogula mapeto, sizosamveka kukhala ndi nkhawa pogawana nambala yanu ya Social Security ndi aliyense, ngakhale dokotala wodalirika wa banja. Chaka chilichonse, anthu opitirira mamiliyoni awiri amavutika ndi chinyengo chachipatala ku US, nthawi zambiri chifukwa chakuti chitetezo cha Social Security ndi inshuwalansi sichimasungidwa bwino ndi mankhwala .
Ngati simukumva bwino mukagawana nambala yanu ya Social Security, mwayi uliwonse dokotala wanu adzakuuzani kuti ukufunidwa ndi lamulo (palibe) kapena kuti iwo amafunikira kuti apeze malipiro.
Ngati muli ndi inshuwalansi, izi sizowona
Pamapeto pake, ngati ofesi ikuvomereza ndondomeko yanu ya inshuwaransi, kampani ya inshuwalansiyo ili ndi chiwerengero cha Social Security pa fayilo. Pansi pa FTC Red Flag Rules, a inshuwalansi a zaumoyo amafunika kuti adziwe mfundo izi ndikupeza njira zokupezerani ngati mukulephera kulipira.
Komabe, ngati mulibe inshuwalansi ndipo simukulipira ndalama, zingakhale zomveka kuti dokotala azifunsa. Ngakhale mutatha kukana, dokotalayo angakhoze .
Pansi pa lamulo, madokotala sangathe kuchitira munthu chifukwa cha mafuko, mafuko, kapena achipembedzo. Ngakhalenso dokotala sangathe kusankha chifukwa cha kugonana kwa munthu koma ngati kugonana kuli koyenera kwa kachitidwe ka dokotala.
Kunja kwa malo otetezedwawa, madokotala ali ndi ufulu wokana kulandira anthu monga odwala. Izi zikuphatikizapo ndondomeko zawo pamalipiro.
Zimene Mungachite
Ngati muli pamalo omwe simukufuna kugawana nambala yanu ya Social Security koma mukufunabe thandizo la dokotala, pali zinthu zambiri zomwe mungachite:
- Funsani ofesi ya ofesi kuti aitanitse FTC pa 877-FTC-HELP (877-382-4357) ngati akukhulupirira molakwika kuti ndilo lamulo.
- Funsani ngati pali zida zina zomwe angalandire m'malo mwa Social Security Number.
- Pereka kulipira ndalama pasadakhale.
Pamapeto pake, muyenera kufufuza zosankha zanu ndikusankha zomwe mukufunikira kwambiri: ntchito za dokotala kapena ufulu wanu wachinsinsi . Ndi kusankha nokha kumene mungapange.
> Zotsatira:
> American Hospital Association. "Chipepala Chosungirako Chipatala Chosavomerezeka Chosavomerezeka." Chicago, Illinois; inaperekedwa mu January 2013.
> American Medical Association. "Tetezani odwala anu, chitetezeni zomwe mukuchita: Chimene mukufunikira kudziwa za Malamulo a Flags ." Chicago, Illinois; anatulutsa 2011.
> HIPAA Journal. "Ponemon Institute Imasindikiza Phunziro lachisanu ndi chimodzi la Phunziro la Pachaka pa Kuba Zizindikiro Zachipatala." Sherman Oaks, California; inafalitsidwa pa February 23, 2015.