Ngati mwataya inshuwalansi yanu yaumoyo ndipo mukufuna njira yowonjezera yaumoyo, mungadabwe kudziwa kuti inshuwalansi ya umoyo wanu mudziko lonse (ndi msika wosinthanitsa nawo m'mayiko onse kupatula Nevada) ingokulolani kulemba ndondomeko yaumoyo pa nthawi yolembera . Koma chimachitika ndi chiyani mutataya inshuwaransi yanu yautali ndikukhala ndi miyezi yambiri musanafike nthawi yolembera?
Kodi mumapeza bwanji inshuwalansi ya umoyo ndikupewa kukhala osatsimikiziridwa?
Nthaŵi yolembera yapadera
Malinga ndi nthawi yani ndipo chifukwa chiyani mwataya inshuwalansi yanu, mungathe kukhala ndi nthawi yapadera yolembetsa pazomwe boma lanu lili ndi ndalama zothandiziranso inshuwalansi yaumoyo (nthawi zambiri, nthawi zolembera zapadera zimagwiritsa ntchito kunja kwachitsulo). Nthawi yolembetsa yapadera imakupatsani inu kulemba inshuwalansi ya umoyo ngakhale kuti si olembetsa.
Nthawi zolembera zapadera ndizochepa, nthawi zambiri masiku 60, ndipo zimayambitsidwa ndi zochitika zinazake. Ngati mukuwongolera ndipo musalembedwe mu dongosolo latsopano musanathe kutha kwa nthawi yanu yolembera, muyenera kuyembekezera nthawi yotsatira yolembera kuti mulembe. Pakalipano, mungadzipeze nokha osatonthozedwa komanso okhudzidwa ndi chilango cha ACA chifukwa chosakhala ndi inshuwalansi ya thanzi .
Kodi Mukuyenerera Kulembetsa Wapadera?
Zochitika zina zoyenerera zimayambitsa nthawi yolembetsa (SEP) yomwe idzakulolani kuti mulembe pa ndondomeko ya inshuwalansi ya umoyo wanu, kapena mwachindunji kupyolera mu inshuwalansi ya umoyo pa msika wogulitsa.
Izi nthawi zambiri zimakhala ngati kutayika kwa inshuwalansi yathanzi komanso kusintha kwa banja. Nazi zitsanzo zenizeni za zochitika zomwe zimakuchititsani kukhala oyenerera nthawi yolembera:
- Mutha kuchoka ndi kutaya inshuwalansi yathanzi.
- Mutha kusudzulana ndikutaya inshuwalansi ya umoyo wanu ntchito yomwe mwapatsidwa.
- Mukusintha zaka 26 ndipo simukuyenera kulandira chithandizo pa dongosolo la thanzi la kholo lanu.
- Mkazi wanu amamwalira akuchotsani inshuwalansi ya thanzi limene wapereka.
- Mutha kuchoka m'dera lanu lokonzekera zaumoyo ndipo simungakukhudzeni ku adilesi yanu yatsopano (zolemba zomwe zikupita kumalo atsopano ndizofunikira zokha ngati mutakhala kale ndi inshuwalansi pamalo anu oyamba).
- Wobwana wanu amachepetsa nthawi yomwe mukugwira ntchito kuti mukhale osagwirizana ndi inshuwalansi yathanzi.
- Iwe uli ndi mwana kapena umakwatirana.
Nthawi ziwiri, nthawi zolembera zapadera sizingagwiritsidwe ntchito kunja kwa mgwirizano. Mwa kuyankhula kwina, mungathe kufotokozera ndikusinthanitsa ndi nthawi zolembera izi, koma ngati mupita ku inshuwalansi yothandizira, sakufunikira kuvomereza kulembetsa kwanu:
- Kukhala Mayi American (nthawi yolembera yapadera imapitirira chaka chonse)
- Kupeza nzika za ku America kapena kukhalapo kwalamulo ku US
Chinthu chimodzi chomwe sichimachititsa nthawi yolembetsa yapadera ndikutaya inshuwalansi ya umoyo chifukwa simunalipire malipiro a mwezi uliwonse kapena chifukwa chakuti mwadzidzidzi munaletsa kufalitsa. Izi sizinaphatikizepo monga chowopsya chifukwa chikhoza kulola anthu kusewera masewerawa ndikusintha pulogalamu yatsopano ya umoyo nthawi iliyonse yomwe akufuna.
Mwachitsanzo, mungagule ndondomeko yaumoyo ndi kulumikiza kwaukhondo mopanda malire ndikusintha pulogalamu ndi kulengeza bwino pamene mukudwala. Izi zikhoza kugonjetsa cholinga cha nthawi yolembera.
Kutaya ntchito ndi / kapena kugwa kwa ndalama sizinthu zoyenera kupatula ngati mwalembetsa kale ndondomeko kupyolera mukusinthasintha, ngati mutha kukhala ndi mwayi wosinthana ndi ndondomeko yosiyana. Koma ngati mwalembera ndondomeko kunja kwa kusinthanitsa - chifukwa simunayenere thandizo la ndalama pamene mwalembetsa, mwachitsanzo - ndipo mutayika ntchito yanu pakatikati pa chaka, simungakhale ndi mwayi wosintha kusinthanitsa pa nthawi imeneyo.
Momwe Kulembera Kwambiri Kumagwirira Ntchito
Nazi chitsanzo.
Muli ndi inshuwalansi ya umoyo pa ntchito yanu, koma kampani yanu sichita bwino kwambiri. Patangotha miyezi ingapo kuti Obamacare atsegule nthawi yowunikira, mumatha kuchoka ndi kutaya inshuwalansi ya ntchito yanu.
Mutha kukhala oyenerera kupitiliza ndondomeko yanu yathanzi pogwiritsa ntchito chithandizo cha COBRA , koma mmalo mwake, mumasankha kuti mupeze ndondomeko yatsopano ya umoyo wa inshuwalansi. Muli oyenerera nthawi yolembera chifukwa mwangotaya inshuwalansi ya ntchito yanu chifukwa chakuti mwaiwala (onani kuti mukuyenerera kupanga malonda pamsika kapena kuwonetsana-ngakhale mutasintha khalani ndi mwayi wopitiriza ntchito yanu yowonjezera inshuwalansi kudzera pa COBRA.Uli ndi nthawi yonse yosankhidwa ya masiku 60 kuti mutenge COBRA kapena ndondomeko ya msika, ndipo mumaloledwa kusintha maganizo anu mkati mwawindo la masiku 60, lomwe Ndimeyi isanafike 2017).
Mukapita ku webusaiti yanu ya inshuwalansi ya zaumoyo kapena kuitanitsa masabata angapo pambuyo pake ndikulembetsa dongosolo latsopano la thanzi. Ngati ndondomeko ya bwana wanu inali yophimba mkazi wanu ndi ana, iwo ali oyenerera kulembetsa nthawi yapadera, komanso. Mukhoza kulemba inshuwalansi yaumwini kapena mungathe kukonza mapulani a banja.
Popeza kuti ndalama zanu zakhala zikugwedezeka, mukhoza kulandira chithandizo kuti muthe kulipira malipiro a inshuwalansi ya mwezi uliwonse. Kuyenerera ndalama kumachokera pa zomwe mumapeza ndipo mukhoza kulipiritsa kampani yanu ya inshuwaransi yatsopano kuti muchepetse ndalama zomwe mumayenera kulipira mwezi uliwonse kuti mupeze chithandizo. Palinso zopereka zothandizira kuchepetsa maudindo anu ogawana mtengo monga zopindulitsa, mapepala, ndi ndalama zothandizira. Ndipo, pali chithandizo chochepetsera kutsika kwanu.
Ndalama zomwe zimachepetsa kugawana kwanu mtengo ndi kutuluka kunja kwa ndalama zimatchedwa kuchepetsa kugawidwa kwa ndalama, kapena CSR, ndipo zimapezeka pokhapokha ngati muli ndi ndalama zoyenera ndipo mumasankha ndondomeko ya siliva . Ndalama zothandizira kuchepetsa ndalama zanu zingagwiritsidwe ntchito ndi mapulani a zitsulo (zamkuwa, siliva, golide, kapena platinamu).
Mukupempha thandizoli kudzera mu inshuwalansi ya umoyo wanu pamene mukudutsa mu inshuwalansi ya inshuwalansi. Zothandizira zingagwiritsidwe ntchito ndi inshuwalansi yothandizira yogula pa dziko lanu losavuta Care Act wathanzi inshuwalansi. Kotero ngakhale kuti nthawi yanu yolembera yapadera ikukupatsani chisankho cholembera kunja kwa kusinthanitsa ngati mukufuna, simungapeze chithandizo chothandizira kulipira inshuwaransi ya inshuwalansi yomwe siidagulidwe kudzera muchitsulo chanu (chomwe chimaphatikizapo COBRA; ngati mwasankha kusunga chithandizo chanu kudzera pa COBRA, mudzayenera kulipira premium nokha).
Palibe SEP Ngati Muli Kutayika Malo Amene Sali Ochepa Pakati Pazofunika
Kutaya mwadzidzidzi kufotokozedwa ndizofunikira zomwe zimayambitsa nthawi yolembetsa yapadera, koma ngati chithunzicho chikuchotseratu chimawerengedwa kuti ndi chofunika kwambiri. Ngati muli ndi chithunzi chomwe sichikuwerengedwa kuti ndi chofunikira chofunika kwambiri (dongosolo laling'ono , mwachitsanzo, kapena ndondomeko yodalirika), kutayika kwa ndondomekoyi sikungayambe nthawi yolembera.
Izi ndi zofunika kwambiri kumvetsetsa ngati muli ndi ndondomeko yochepetsera ndondomeko yochepa, monga ndondomekozi zili ndi masiku omaliza omwe adatsirizidwira, ndipo pofika mu 2017, sizingakhale masiku oposa 90 (zomwe zingasinthe ndi Purezidenti Trump's October 2017 executive order ). Pamene ndondomeko yaifupi idzatha, simukuyenera kulemba ndondomeko ya ACA-yovomerezeka ngati ili kunja kwa kulembetsa.
> Zotsatira:
Chikondwerero cha Lawell Chidziwitso, Institute Institute Information Information, 45-CFR-155.420, Nthawi Zowonjezera Zapadera.
Dipatimenti ya Zaumoyo ndi Zaumunthu, PPACA; Kusinthidwa kwa Nthawi Zowonjezera Zapadera ndi Ogulitsa Ogwira Ntchito ndi Okhazikitsa Mapulani Pulogalamu .