Kodi muli ndi madalidwe azaumoyo ndi olumala kudzera mwa abwana anu? Kodi mungayankhe mafunso okhudzana ndi mapindu anu okhudzana ndi thanzi ndi kulemala? Ndikofunika kuti mudziwe ndikumvetsetsa tsatanetsatane tsopano, popanda kuyembekezera mpaka muyenera kuzigwiritsa ntchito. Ngati muli ndi nyamakazi ndipo mukupitirizabe kugwira ntchito , mapindu anu ndi ofunikira monga ndalama zanu.
Pambuyo pake, ngati mutasiya kugwira ntchito, mukhoza kukhala ndi mwayi wopindula ndi Bungwe la Social Disability Benefits , koma tsopano tikukambirana zomwe mukuyenera kupyolera mwa abwana anu.
Kuyenerera kwa Mapindu Olemala
- Kodi mukuyenera kusunga maola angapo omwe munakonzedwa kuti mupitirize kulandira chithandizo chaumoyo ndi kulemala?
- Kodi chimachitika ndi chiyani phindu lanu la thanzi ndi kulemala ngati mutasintha nthawi zonse kuti mukhale ndi nthawi yochepa?
Simuyenera kudandaula za izi? Kungoganiza kuti mwakulungidwa? Ganizirani kachiwiri.
Pano pali chitsanzo - Munthu anali ndi Long-Term Disability (LTD) amapindula ngati wogwira ntchito nthawi zonse. Chifukwa cha matenda, munthuyo adachepetsa maola awo kuti awononge nthawi yake, akufuna kuti abwerere ku nthawi zonse pamene matenda awo adakula. Chikhalidwe chawo sichinasinthe, kumukakamiza munthuyo kusiya ntchito. Chifukwa chakuti iwo anasiya udindo wawo wa nthawi yochepa, iwo sankayenera ku LTD. Munthuyo adakhala woyenerera kwa LTD pamene adapita ku nthawi yochepa, ngakhale kuti adagwira ntchito zaka zambiri monga antchito a nthawi zonse.
Kulankhula zamalonda, zikanakhala zopindulitsa kusiya ntchito ya nthawi zonse pamene LTD inali yopindulitsa.
- Kodi bwana wanu amapereka ndondomeko yopindula ya nthawi yolemala (STD) kapena Long-Term Disability (LTD)?
- Kodi chopereka cha ogwira ntchito chikufunikiranji kuti mukhale ndi STD kapena LTD?
- Kodi ndi malipiro otani omwe mumapitiriza kuyang'ana panthawi yanu yolemala, ndipo kwa nthawi yayitali bwanji?
Anthu omwe amagwira ntchito komanso omwe amaletsa matenda, monga nyamakazi ya nyamakazi , ayenera kumvetsetsa kwambiri za phindu lawo. Zochitika zosintha moyo zimachitika. Ndikofunika kuzindikira kuti kusintha komwe mumapanga pa ntchito yanu kungakhudzire kuyenerera kwanu phindu la thanzi ndi kulemala. Izi sizikutanthauza kuti kulemala sikungapeweke ndi nyamakazi ya nyamakazi, koma ngati ziyenera kukhala m'tsogolomu, mukufuna kuziphimba.
Ndi udindo Wanu Kudziwa Zambiri
Mukhoza kukhala ndi mafunso ambiri okhudzana ndi phindu la ogwira ntchito. Kupeza mayankho ndi udindo wanu. Funsani ofesi ya Human Resources kwa Employee Benefits Handbook ngati munataya amene poyamba munapatsidwa.
Pa ntchito yanu, ndondomeko yanu ya thanzi ingasinthe. Ngati dongosolo lanu la thanzi likusintha:
- Kodi inu ndi banja lanu mungakhudzidwe bwanji?
- Kodi dokotala wanu akadali pa mndandanda wa opereka?
- Kodi malipiro anu amasintha?
- Kodi pali zoperewera komanso malire a zochitika?
Kodi N'chiyani Chimawathandiza Phindu Lanu Labwino Ngati Mukusintha Ntchito?
HIPAA (Act Insurance Act and Accountability Act ya 1996) ndi lamulo lomwe lingakuthandizeni kupeŵa kutaya phindu lomwe muli nalo kale ngati mutasamuka kuchoka pagulu limodzi kupita ku lina.
HIPAA, komabe, sichiteteza pang'ono ngati mutasintha kagulu ka thanzi ku dongosolo laumoyo, kapena ngati mulibe inshuwalansi. Malinga ndi HIPAA:
- Mapulani azaumoyo a gulu sangatsutse ntchito yanu pogwiritsa ntchito umoyo wanu.
- Ngati mutasintha kapena kutaya ntchito, HIPAA imalepheretsa kusungirako inshuwalansi zazomwe zilipo kale.
- Ngati mutasintha kapena kutaya ntchito, HIPAA imatsimikizira kubwezeretsedwa komanso kupezeka kwa chithandizo chaumoyo kwa antchito ena komanso anthu ena.
- HIPAA imanena kuti simungakanidwe kufotokozera chifukwa cha matenda a m'maganizo, chidziwitso cha chibadwa, chilema, kapena zochitika zakale.
- Malamulo a HIPAA amagwiritsidwa ntchito kwa onse omwe amagwira ntchito zaumoyo omwe ali ndi antchito awiri omwe akugwira nawo ntchito, kuphatikizapo omwe ali odzipereka okha. Mayiko apatsidwa mwayi wosankha malamulo a gulu kukhala "magulu amodzi", kuthandiza anthu ogwira ntchito.
- Inshuwalansi siimatsimikiziranso kuti mutakhala ndi phindu limodzi, phindu la ndalama, pakhomere, kapena phindu lanu pamene mukuchoka pa dongosolo limodzi la thanzi.
- Gawo labwino la thanzi ndi lofunika kwambiri, kutanthauza kuti, dongosolo lanu latsopano la thanzi liyenera kukupatsani ngongole nthawi yomwe mwalembetsa ndondomeko yanu yam'mbuyomu ndikuchotsa nthawi yanu yotsalira. (Chitsanzo - ngati mutakhala ndi miyezi khumi kapena iwiri yowunikira pagulu, simudzakhalanso ndi chizoloŵezi choyembekezera ku gulu lanu latsopano. Kuonetsetsa kuti chidziwitso chanu "chikupitirira" sichithera kwa masiku oposa 62.)
Kodi COBRA N'chiyani? Zingakuthandizeni Bwanji?
Kupititsa patsogolo kwa COBRA kumapereka antchito ndi ogonjera awo omwe amasiya dongosolo la thanzi la gulu la bwanayo mwayi wogula ndi kusunga chithandizo cha umoyo womwewo pagulu (nthawi zambiri, 18, 29 kapena 36 miyezi) pansi pa zochitika zina. COBRA ingathandize kuthana ndi kusiyana. Pansi pa malamulo a HIPAA, COBRA imawerengedwa monga chithandizo cham'mbuyo cha umoyo, malinga ngati panalibe kupuma kwa masiku 63 kapena kuposerapo.
Zambiri Zowonjezera
- Kuwonongeka kwa Ntchito: Ogwira Ntchito Ofunika Kwambiri Akuyenera Kudziwa Kuteteza Matenda Awo
- Tetezani Ndalama Zanu ndi Inshuwalansi Yakulemala