Kudziwa Nthawi Yopangira Medicare Kungakupulumutseni Inu Zikwizikwi
Kulembera mochedwa kwa Medicare kungakuwonongereni, kwenikweni. Malipiro omalizira amalembedwa ngati mutalembetsa nthawi yanu yoyamba yolembera (IEP) yanu yapitayi. Malipiro awo amadziwika pa malipiro anu a mwezi uliwonse komanso nthawi zina, ngakhale mutakhala ndi Medicare. Izi ndizo zikwi zambirimbiri za ndalama zanu zomwe mwalandira mwakhama.
Thokozani ubwino pa Nthawi Zowonjezera Zapadera (SEP) zomwe zimakulolani kulembetsa pambuyo pa IEP yanu musanakumane ndi chilango chachedwa.
Vuto ndilo lingaganize kuti ndinu woyenera SEP pamene simukutero. Izi ndi mawindo a golide omwe mukufuna kudziwa.
Nthawi Yoyamba Kulembetsa
Tisanayambe kukumba mu Nthawi Zowonjezera Zapadera, choyamba muyenera kumvetsetsa kuti nthawi yolembera ya Medicare ikugwira ntchito. Tsiku lanu lakubadwa lachisanu ndi chimodzi ndilo fungulo. IEP yanu imayamba miyezi itatu isanakwane ndipo imathera patatha miyezi itatu mutangobereka mwezi, ndikukupatsani miyezi isanu ndi iwiri kuti mulembe. Mwachitsanzo, ngati tsiku lanu lobadwa ndi June 8, IEP yanu imayamba pa March 1 ndipo imatha pa September 30.
Uthenga wabwino: Ngati mutalandira madalitso a Social Security mukamakwanitsa zaka 65, mutha kulembedwa ku Medicare. Simuyenera kudandaula za chilango chachedwa.
Nkhani zoipa: Ngati simukulandira Social Security kapena Dipatimenti ya Railroad Retirement Board (RRB) phindu lanu mukamasintha zaka 65 ndikusowa kulemba pa IEP yanu, muli pa chikole cha chilango chochedwa kwambiri.
Ngati muli oyenerera Medicare wokhudzana ndi kulemala , IEP yanu sidadalira zaka. Idzadalira thanzi lanu.
- Ngati muli ndi matenda a amyotrophic lateral sclerosis (ALS) , mudzalembedweratu ku Medicare mwezi umene mukupindula nawo. Simudzapatsidwa chilango chochedwa.
- Ngati muli ndi matenda odwala matenda a chiwindi (ESRD), kutanthauza kuti mukufunikira dialyse kapena mukusowa chitsimikizo cha impso, muyenera kugwiritsa ntchito Medicare nokha koma mungagwiritse ntchito pokhapokha mutapezeka ndi kufikira miyezi itatu musanayambe kukumana ndi chilango chachedwa.
- Ngati mukulandira inshuwalansi ya Social Security Disability (SSDI) kapena ndalama za RRB zaumalema wina, muyenera kulandira Medicare pa mwezi wa 25 mutalandira madalitso amenewo ndipo mudzalembetsa pulogalamuyo. Mukuchotsa chilango chakumapeto kwa chilango.
Kuchokera kunja: Ngati mutapanda kulandira chithandizo cha Medicare mutatha kulandira, kaya muli ndi chilema kapena ayi, mudzakumana ndi chilango chakumapeto ngati mutasankha kulemba.
Mukapeza Thandizo Labwino Kuchokera Kwa Wogwira Ntchito
Anthu ambiri amapeza chithandizo chamankhwala kudzera mwa abwana awo. Njirayi imathandizidwa ndi ntchito yanu ndipo nthawi zambiri ndi yotsika mtengo kuposa kugula inshuwalansi payekha. Nthawi zina, mungafune kusunga malingaliro anu ogwira ntchito m'malo mwa Medicare.
Mwachitsanzo, mukhoza kupeza chithandizo chabwino pa ntchito yanu panopa. Payimenti yanu ndi deductibles zingawononge ndalama zochepa. Kuchepetsa kulemba kwa Medicare kungakupulumutseni kuti musapereke malipiro awiri.
Uthenga wabwino: Mutha kukhala oyenerera SEP ngati muli ndi ndondomeko yathanzi.
Nkhani yoipa: Sizinthu zonse zomwe amagwiritsidwa ntchito ndi ogwira ntchito zothandizira kupeza mwayi wopezeka pa SEP.
Choyamba, ndiwe woyenera kupeza SEP ngati abwana ako akugula antchito 20 a nthawi zonse kapena ochuluka. Anthu omwe amagwira ntchito m'masitolo ang'onoang'ono amamayi ndi apamwamba amakhala opanda mwayi. Izo sizikuwoneka ngati zachilungamo.
Chachiwiri, SEP yanu imayamba tsiku lomwe mumachoka ntchito yanu kapena kulandira chithandizo chamagulu anu, chomwe chimabwera poyamba. Tiyeni tibwereze, chirichonse chomwe chimabwera poyamba . Muli ndi miyezi isanu ndi itatu yolembera Medicare kuyambira tsiku lino. Kulembera mochedwa kuposa zomwe zidzachititse chilango chochedwa.
Onetsetsani: Ngakhale ntchito yanu ikulemba nambala yoyenerera ya olemba ntchito, mukhoza kukhalabe mukhola kuti mulembe Medicare. Olemba ena amafuna kuti mulembetse ku Medicare mwamsanga pamene mukuyenera kapena kuchepetsa kapena kudula phindu lanu lonse. Onetsetsani kuti muyankhule ndi abwana anu za momwe amayendetsera ndondomeko yawo yaumoyo kuti muthe kupanga chisankho chophunzitsidwa.
Pamene Uli pa COBRA
Consolidated Omnibus Budget Reconciliation Act (COBRA) inakhazikitsidwa mu 1985 ndikukulolani kuti mupitirize kufotokozera ndondomeko ya thanzi lanu ngakhale mutasiya ntchitoyi. Wogwira ntchito akupitirizabe kukupatsani mtengo wotsika, ngakhale ngati mlingowu ndi wapamwamba kuposa momwe unaliri pamene ukugwirabe ntchito. Izi zimakuthandizani kulipira zochepa zofanana ndi zomwe mungachite kuti mugule ngati ndondomeko yapadera.
Kutalika kwa kufalikira kwa COBRA kuli kochepa, kawirikawiri mpaka miyezi 18. Malingaliro, izi ziyenera kukhala nthawi yokwanira kuti mupeze chithandizo china chaumoyo, kaya mutero kudzera mwa abwana kapena ngakhale mukudikira madokotala anu phindu lokhazikitsa. Komabe, zochitika zina zoyenerera zingakulolereni kufalitsa kufalitsa mpaka 36 miyezi.
Uthenga wabwino: Kuunikira kwa COBRA kungakulolereni kupititsa patsogolo ubwino wothandizidwa ndi abwana anu mutatha ntchito yanu.
Nkhani yoipa: Kufotokoza kwa COBRA sikutanthauza kuti ntchito ya Medicare imathandizidwa ndi abwana.
Ubwino umodzi wa kufotokozera kwa COBRA ndikuti umalola kuti mupitirize kulandira chithandizo cha thanzi kwa mwamuna kapena mkazi wanu , pamene Medicare amangofunikira zokhazokha zokhudzana ndi thanzi lanu. Ndalama, mungakhale ndi chisankho chachikulu m'manja mwanu. Kodi muyenera kupita patsogolo Medicare ndi kutenga COBRA nokha kuti muchepetse ndalama za banja lanu? Kapena kodi muyenera kulipilira malipiro onse awiri?
Ngati mukuyenera kupeza Medicare pafupipafupi COBRA, izi zimakhudza chithandizo cha COBRA kwa okondedwa anu. Kufotokozera kwa COBRA kungaperekedwe kwa anthu ogwira ntchito mpaka miyezi 36 kuyambira tsiku limene mukukumana ndi kuyenerera kwa Medicare.
Onetsetsani: Kumbukirani lamulo loti "choyamba choyamba" kwa dongosolo la SEP lolipangira abwana? Ngati musiya ntchito yanu ndikupitirizabe kulandira thanzi labwino ndi COBRA, zomwe mumachita pa tsiku lomwe mumasiya ntchito, kaya mutayikidwa kapena mutapuma pantchito, osati tsiku limene COBRA yanu ikupindula.
Kodi Mulipira Ngati Momwe Mukubwezera Zotsatira Zakale?
Malonda omalizira amakulira mwamsanga. Musapangire cholakwika chimene mungakhale nacho kwa zaka zambiri.
| Gawo A | Gawo B | |
|---|---|---|
| Mtengo | 10 peresenti ya mwezi uliwonse | 10 peresenti yowonjezeredwa ku malipiro a mwezi uliwonse a chaka chilichonse choyenerera kusowa |
| Nthawi | Kawirikawiri chiwerengero cha zaka zosaoneka bwino | Malingana ngati muli ndi Medicare |
| Kuwerengetsa | 0.10 x Premium | 0.10 x Premium X # Zaka zosavomerezeka |
| Chitsanzo | Ngati mutagwiritsa ntchito zaka 3 mutalandira, 10% adzawonjezeredwa pa premium yanu ya mwezi uliwonse kwa zaka 6. | Ngati mwagwiritsa ntchito zaka 3 mutalandira, 30% adzawonjezeredwa ku malipiro anu a mwezi uliwonse malinga ngati muli ndi Medicare. |
Ambiri amapeza gawo la A Aulere kwaulere ngati iwo kapena akazi awo agwira ntchito zoposa 40 pa zaka khumi (10) mu ntchito ya Medicare-taxed. 10% ya ufulu ndi zero! Mwa njira iyi, chilango cha Part A sizingatheke kuwonjezera pa mavuto azachuma a nthawi yayitali. Gawo B chilango , komabe, pomalizira ngati muli ndi Medicare ndipo mukhoza kukhala ndi chikoka chachikulu pa thumba lanu.
Monga nthawi zonse, pali zosiyana. Ngati mutalandira thandizo la Medicare pogwiritsa ntchito ulemala ndipo munakhala ndi chilango chochedwa musanakwanitse zaka 65, zilango izi zakhululukidwa mukasintha zaka 65. Inu mumapatsidwa slate yoyera, chopereka chochepa kuchokera ku boma la federal.
> Zotsatira:
> COBRA Kupitiriza Mapindu. Maofesi a Webusaiti ya Medicare ndi Medicaid. https://www.cms.gov/CCIIO/Programs-and-Initiatives/Other-Insurance-Protections/cobra_fact_sheet.html.
> Anthu ogwira ntchito kumudzi: Information on inscription of Medicare. Maofesi a Webusaiti ya Medicare ndi Medicaid. https://www.cms.gov/Outreach-and-Education/Find-Your-Provider-Type/Employers-and-Unions/Employer-community.html.
> Mavuto apadera (Nthawi Zowonjezera Zapadera). Webusaiti ya Medicare.gov. https://www.medicare.gov/sign-up-change-plans/when-can-i-join-a-health-or-drug-plan/special-circumstances/join-plan-special-circumstances.html.