COBRA ikuwonjezera Wothandizira Inshuwalansi ya Wothandizira
Consolidated Omnibus Budget Reconciliation Act, yomwe imadziwikanso kuti COBRA, imafuna kuti olemba ntchito apitirize kupereka chithandizo chamankhwala kapena inshuwalansi kwa ogwira ntchito kapena mabanja awo pambuyo pa zochitika zina zoyenera. Kuonjezera kwina kochepa kwa kufalitsa kungapereke nthawi kuti amasamuke ku dongosolo latsopano la chithandizo chamankhwala.
Kodi COBRA N'chiyani?
Ngati mutasiya ntchito yanu mwadzidzidzi kapena mutha kuchotsedwa pazifukwa zina osati kuipa kwakukulu, mungathe kuonjezera chithandizo chanu kwa miyezi 18, komanso kwa miyezi 11 ngati muli olumala.
Izi zimagwiranso ntchito ngati nthawi yanu yowonjezera ikucheperapo mpaka pamene simukuyeneranso kulandira chithandizo cha inshuwalansi ya bwana wanu. Mkwatibwi wanu kapena ana angapitirize kufalitsa kwa miyezi 18 yowonjezera ngati pali chachiwiri choyenera, monga kuchoka kwanu, kusudzulana, kapena imfa.
Pali ziyeneretso zina za COBRA ndi zolemba za olemba ntchito. Mwachitsanzo, COBRA imagwira ntchito kwa olemba ntchito omwe ali ndi antchito 20 kapena kuposa. Angakhale antchito apadera, mabungwe ogwira ntchito, kapena olemba boma kapena aboma. Pezani zambiri zokhudza ziyeneretso za abwana ndi malamulo pa webusaiti ya COBRA ya US Department of Labor.
M'madera ena, pali chitukuko chokhazikitsidwa ndi boma cha antchito omwe amagwira ntchito kwa makampani ang'onoang'ono ndipo alibe mwayi wa ku COBRA.
Mmene Mungagwiritsire Ntchito COBRA Mapindu
Mukakonzeka kusiya ntchito yanu, bwana wanu akuyenera kukupatsani uthenga wa COBRA womwe udzaphatikizepo zomwe mungachite kuti muwonjezere chithandizo chanu mutachoka ntchito yanu.
Ngati simunalandirepo chidziwitso mkati mwa masiku 14, funsani a HR HR wanu ndikuwapempha kuti akupatseni.
Muli ndi masiku 60 kuti mudziwe ngati mukupitirizabe kufalitsa kwanu ndi COBRA. Izi zidzakupatsani inu nthawi kuti muwone chomwe chingachitike chingakhalepo. Simudzakhala ndi mpata uliwonse pazomwe mukufuna kuchita pokhapokha mutapanga chisankho pa tsiku la 59.
Inu muli ndi udindo pa malipiro anu a COBRA omwe amagwiritsidwa ntchito panthawi imeneyo. Kulemba kwanu kwa COBRA kudzabwezeretsedweratu kotero kumapereka ndalama zonse zomwe munkachita panthawiyi.
Onetsetsani kuti simukudutsa zenera la masiku 60 popanda kupempha dongosolo lina la chithandizo chamankhwala. Mungafunikire kudzaza chitsimikizo ndi inshuwalansi ya nthawi yayitali ngati mukudikirira inshuwalansi yathanzi kuti muyambe kugwira ntchito. Medicaid ingakhalenso mwayi kwa inu.
Zomwe Mukuchita Pansi pa COBRA
Ngati mutapindula ndi COBRA, ndondomeko yomwe mungakhale nayo ndi yomwe mudali nayo panthawi ya chochitika chomwe chinayambitsa kutayika kwanu kwa abambo. Ndondomeko yokha isasinthe pokhapokha mutasankha ndondomeko yatsopano pamene nthawi yolembera ikubwera.
Ndi inshuwalansi yathanzi yomweyo monga momwe mudakhalira kale, simudzasintha madotolo ndipo mutha kulipira ndalama zomwe mumagwiritsa ntchito polipirira.
Mtengo wa COBRA
Olemba ntchito amaloledwa kubweza inu, wogwira ntchito wawo wakale, 102 peresenti ya mtengo wawo wa inshuwalansi. Inde, 100 peresenti imapereka mtengo wa abwana kuti akulimbikitseni. Zowonjezera 2 peresenti zimaphatikizapo kayendetsedwe ka kayendetsedwe kake komwe abwana ayenera kuyamwa kuti azisamalira mapepala.
Wina makwinya ndi kuti ngati mukulandira kuwonjezereka kwa miyezi 11 yowonjezereka, kufalitsa kwanu m'miyezi yowonjezerayi kungaperekedwe kwa magawo 150 peresenti ya ndondomeko ya mapulani.
Ogwira ntchito nthawi zambiri amadabwa ndi zomwe a COBRA angawathandize. Kawirikawiri, ndalama zanu zowonjezera pamene munagwiritsidwa ntchito zinali chabe gawo lanu la mtengo wothandizira inshuwalansi pamene abwana anu analipira peresenti kapena ndalama zonse. Tsopano mudzakhala ndi mtengo wonse.
Mwamwayi, ngati mtengo wa COBRA wotsika mtengo ungaoneke, mwinamwake ukhoza kukupiritsani inu inshuwalansi yathanzi. Yerekezerani mtengo ndi chithunzi kuti mutsimikizire kuti ndizofunikira kwambiri.
Mukhoza kukhala ndi njira yotsika mtengo kupyolera pamsika wachithandizo.
Kutalika kwa COBRA
Kawirikawiri, wogwira ntchito kapena wachibale wanu akhoza kusunga inshuwalansi ya inshuwalansi ya COBRA kwa miyezi 18 mutatha ntchito yomaliza. Ngati munthu atapyola kudzera ku COBRA akulemala, phindu lingapitirire kwa miyezi yoposa 11. Zowonjezera zidzawonjezeka pazowonjezereka.
Onani kuti ngati mwaphonya kulipira kwa mwezi kwa COBRA, mudzatayika ndipo simudzatha kubwezeretsanso. Ndondomekoyi siyikutumizirani ngongole, kotero muyenera kuonetsetsa kuti mukulipiritsa.
Amtundu (abwenzi kapena mwana wodalirika) akhoza kulandilira miyezi 18 ngati pali yachiwiri yoyenera. kubweretsa kukwanira kwathunthu kwa kufalitsa miyezi 36. Zochitika izi zikanakhala imfa ya wogwira ntchitoyo, kusudzulana kapena kulekanitsidwa mwalamulo, Medicare ufulu muzochitika zina, kapena kutaya udindo wa mwana wodalira pansi pa dongosolo. Chochitika chachiwiri chiyenera kuti chinali chimodzi chomwe chikanapangitsa wopindulayo kuti asatuluke pansi pa ndondomekoyi ngati choyambirira choyambirira chinali chisanachitike.
Kodi Mungakonzekere Bwanji Mapeto Anu?
Pamene mudakali pansi pa COBRA, penyani mtengo wa inshuwalansi yatsopano ya umoyo wathanzi yomwe mungasinthe mpaka kamangidwe ka COBRA kamatha. Mwinanso mungafune kufufuza ngati tsopano mukuyenerera ku Medicaid .
Ngati Wodalirika Care Act Act Health Inshuwalansi Msika umapezeka kwa iwe, fufuzani tsiku la kulembetsa. Mungathe kulembetsa nthawi imeneyo nthawi iliyonse yomwe ikuchitika pamene muli ndi COBRA. Muyeneranso kulembetsa ku Marketplace kumapeto kwa mapindu anu a COBRA, chifukwa ndizofunikira. Komabe, zindikirani kuti kusintha kwa Affordable Care Act kudzakhudza njirayi ndipo muyenera kufufuza kuti muwone ngati ikadalipo.
Mawu Ochokera
Malingaliro otaya inshuwalansi ya thanzi pamene ntchito yanu ikusintha zingakhale zovuta kwambiri, makamaka ngati mukuchiritsidwa kuti mukhale ndi vuto kapena mukufuna kuti banja lanu lipindule. Fufuzani zomwe mungasankhe ndikudziwa maufulu anu. Kusintha kwa malamulo a zaumoyo kungakhudzenso zosankha zomwe mungakhale nazo kupatula COBRA.
> Zotsatira:
> Buku la Ogwira Ntchito ku Zopindulitsa Zaumoyo Pansi pa COBRA. United States Dipatimenti Yochita Ntchito. Chiwongoladzanja:
> Buku la Wothandizira Kukhazikitsa Maphatikizidwe a Zaumoyo Pansi pa COBRA - Consolidated Omnibus Budget Reconciliation Act ya 1986. United States Dipatimenti Yochita Ntchito. Chiwongoladzanja: cobra.pdf.