Mukukonzekera kudzipereka? Ngakhale mutakhala mukuthandizira kuntchito chifukwa cha ntchito yanu yodzipereka, sikuti nthawi zonse anthu amapereka chithandizo pothandiza anthu odzipereka monga momwe akuchitira ogwira ntchito. Ngakhale kuti achikulire 55% a msinkhu wogwira ntchito ku United States anali ndi inshuwalansi yothandiza inshuwalansi mu 2013, musadalire bungwe lanu lodzipereka lomwe limapereka inshuwalansi ya umoyo.
Ngakhale kuti mabungwe ena odzipereka omwe amathandiza kwambiri, ambiri samatero.
Ngati mukufuna kudzipereka, simukusowa inshuwaransi yothandizira, mukufunikira kudziwa zambiri kuti mupite kudziko lovuta la malamulo a inshuwalansi. Ngati ndinu wokhala ndi malamulo ku US, kaya muli nzika, nthenda yosamalira mtengo imakhala ndi inshuwalansi ya umoyo yomwe ikugwirizana ndi kufotokozera kochepa kofunikira. Ngati simukutero, mungafunike kulipira chilango cha msonkho , mwiniwakeyo akugawanidwa ndi udindo .
Dziwani kuti chilango chanu chidzakhala chotani . Onetsetsani ngati mungakhale opanda chilango .
Nazi zotsatirazi zomwe mungachite kuti mupeze chithandizo cha inshuwalansi monga munthu wodzipereka.
Kudzipereka kwa bungwe lomwe limapereka inshuwalansi ya thanzi
Mabungwe ena odzipereka, odziwika bwino, opindulitsa kwambiri amapereka odzipereka a nthawi zonse omwe ali ndi inshuwalansi ya umoyo. Peace Corps, AmeriCorps, Volunteer Corps, ndi mabungwe amene ali m'gulu la Chikatolika Chodzipereka ndi ena mwa iwo.
Ngati mwasankha kudzipereka ku bungwe lomwe limapereka inshuwalansi ya umoyo, funsani ngati inshuwalansi yaumphawi ikukhudzidwa ndi zofunikira za Care Care zomwe zili zochepa zofunikira . Ngati simukutero komanso kuti ndinu a ku US, mumayenera kupeza chithandizo chomwe chimakwaniritsa zofunikira zenizeni, kuthana ndi vuto la msonkho polipira kapena kulandira chilango.
Medicaid
Medicaid ndi pulogalamu ya boma yothandiza anthu omwe amapereka inshuwalansi ya umoyo kwa anthu osauka a ku US. Popeza kuti Medicaid ikuyendetsedwa ndi mayiko, Medicaid amasiyana ndi boma ndi boma. M'mayiko ambiri, mwinamwake mungakwanitse kupeza Medicaid ngati ndalama zanu ndi 138% ya federal poverty level kapena kuchepa.
Komabe, Medicaid sizipereka phindu kwa iwo omwe amayenda kunja kwa gawo lawo. Ngati dera lanu Medicaid likugwira ntchito ngati izi ndipo mukukonzekera kudzipereka kuchoka kunja kwa dzikoli, Medicaid sidzakuthandizani zambiri pokhapokha mutabwerera ku boma lomwe limapereka chithandizo chanu cha Medicaid mukafuna chithandizo chamankhwala.
Inshuwalansi Yathanzi ya Nthawi yayitali
Ndondomeko yathanzi ya nthawi yaying'ono ingagulidwe mwachindunji ku kampani ya inshuwalansi ya zaumoyo kapena kudzera pa broker. Mapulani a nthawi yayitali amapereka chithandizo kwa nthawi yeniyeni kwa miyezi isanu ndi umodzi ndipo sangapitsidwenso. M'madera ena, mukhoza kugula ndondomeko ina yaifupi yomwe dongosolo lanu loyamba lidzathera, motero ndikukupatsani chaka chodziwitsira. M'madera ena, simungagule kugulidwa kwanthawi yayitali; mungakhale ochepa kwa miyezi isanu ndi umodzi yokwanira.
Zowonjezera zimakhala zochepetseka kwa ndondomeko zazing'ono zomwe zimakhala zochepa kuposa zofunikira kwambiri zachipatala, koma pali zifukwa zomwe zimapangira ndalama zosakwana zowonjezereka.
Mapulani a nthawi yayitali sayenera kutsata malonda onse ogwiritsira ntchito mankhwalawa. Izi zikutanthauza inshuwalansi ya thanzi laling'ono yomwe idakali yolembedwera; mungapeze kuti mulibe zochitika zanu zamankhwala zomwe zakhalapo kale kapena mumapereka malipiro apamwamba chifukwa cha iwo. Ikhoza kupereka ndalama zambiri kwa anthu okalamba kuposa achinyamata. Ikhoza kuyika malire apamwamba pa zomwe zidzapereke ngati mukudwala kapena mukuvulala, ndipo zingaphatikize kufalitsa kwa mitundu ina ya chithandizo chamankhwala. Mwachitsanzo, kusamalidwa kawirikawiri ndi chisamaliro cha amayi.
Chifukwa cha zizindikirozi, inshuwalansi ya thanzi laling'ono siilimbikitse ntchito yodalirika yogwira ntchito yotsika mtengo; mudzafunikanso kuthana ndi chilango cha msonkho.
Kuyenda Inshuwalansi
Ngati mukuyenera kuyenda mtunda wapatali kuti mukafike kumalo anu opangira utumiki, ganizirani inshuwalansi yaulendo . Ngakhale inshuwalansi yaulendo imakhudza zinthu monga katundu wotayika komanso ndalama zina zomwe zimagwiritsidwa ntchito chifukwa cha kuchedwa kwaulendo, maulendo ambiri a inshuwalansi oyendayenda amaphatikizapo mwayi wopezeka kuchipatala.
Monga momwe inshuwalansi ya thanzi yaifupi yayitali, gawo la inshuwalansi yopita kuchipatala silikutsatira malamulo onse a Care Act. Ikhoza kuchotsa mikhalidwe yomwe ilipo kale, osaphatikizapo kufalitsa mitundu ina ya mavuto azachipatala, ndi kuchepetsa malipiro ake opambana. Mwachitsanzo, ndizofala kwa inshuwalansi yaulendo kuti musalole kufotokozera zovulala zokhudzana ndi kutenga nawo mbali m'maseŵera oopsa monga kulumpha bungee ndi kiteboarding.
Chinthu chimodzi chopindulitsa cha inshuwalansi yaulendo: icho chingaphatikizepo kuchoka kwa kufalitsa. Kuwunikira kumeneku kungakuthandizeni kulipira ndalama zomwe zikukhudzana ndi kukutengerani kuchokera kumadera akutali kuchipatala chokhoza kuchiza matenda anu. Nthawi zina mungathe kukonzanso phinduli kuti mupereke chithandizo chokutumiza osati kuchipatala chapafupi chomwe chingakusamalireni, koma kuchipatala chomwe mwasankha. Mwachitsanzo, ngati mukudzipereka ku Central Africa, kufotokozera kumeneku kungapangitse kusiyana pakati pa kunyamulidwa kuchipatala komwe kuli anthu ambiri a dziko lanu lodzipereka, kutengedwera kupita ku chipatala kumayiko ena omwe akukhala nawo pafupi monga South Africa, kapena kubwereranso kuchipatala m'dziko lanu.
Komabe, kachiwiri, inshuwalansi yaulendo sichikhutitsa udindo wodalirika wa Care Care kuti ukhale ndi inshuwalansi yathanzi.
Kuwerenga Pansi pa Inshuwalansi Yathanzi ya Wachibale
Ngati muli ndi zaka zakubadwa 26 ndipo kholo limodzi limakhala ku United States ndipo liri ndi inshuwalansi yathanzi, mukhoza kupeza inshuwalansi ya umoyo pansi pa ndondomeko yake. Izi ndi zoona kaya mumakhala ndi makolo anu kapena ayi ngakhale mutakwatirana. Mukasintha zaka 26, muyenera kupeza zina, koma mungakhale ndi zosankha .
Ngati mwakwatirana ndipo mwamuna kapena mkazi wanu ali ndi inshuwalansi ya thanzi, yang'anirani kufotokozera pa dongosolo lake la thanzi. Olemba ena amawathandiza kuthetsa mtengo wa malipiro a mwezi uliwonse kwa azimayi awo ogwira ntchito.
Ndi njira ziwirizi, ngati mutatuluka kunja kwa dziko lanu kuti mudzipereke, funsani momwe inshuwalansi imakhudzira matenda kapena kuvulala komwe kumachitika kunja. Zina zimabisala pangozi zokha, zina zimapereka mauthenga onse kunja, ndipo zina zimapereka chithandizo chokwanira koma ngati mwakhala kunja kwa nthawi yochepa.
Uthenga wabwino wokhudzana ndi mtundu uwu: Ngati kholo lanu kapena mwamuna kapena mkazi wanu atenga ntchito kudzera muntchito yake, ndithudi ndi yofunika kwambiri. Simudzasowa kulandira chilango.
Obamacare
Ngati ndinu nzika kapena alamulo ku United States, onetsetsani kuti mukulembetsa ndondomeko ya Obamacare yogulitsidwa kudutsa inshuwalansi yothandizira inshuwalansi . Zolinga zonsezi zimakhala ngati zofunikira zochepa zomwe zimaperekedwa ndikupereka zopindulitsa zambiri popanda malire pa kuchuluka kwa ndalama zomwe angapereke kuchipatala chanu.
Kuonjezerapo, mungakhale oyenerera kuthandizidwa kulipira inshuwalansi ya umoyo mumagula kusinthana kwa dziko lanu. Boma limapereka ndalama zothandizira kuti inshuwalansi yaumphawi ikhale yotsika mtengo kwa anthu omwe ali ndi ndalama zoposa 400% za umphawi wadziko lonse kapena pansipa. Palinso zopereka zothandizira kulipira ndalama zoperekedwa ndi anthu omwe ali ndi ndalama zoposa 250% za umphawi.
Werengani ndondomeko ya Mapulani a Mapindu ndi Mapindu mosamala kuti mutsimikizire kuti mutha kuchoka m'dzikoli, ambiri samapereka chithandizo pamene akupita kunja. Ngati ndondomeko yomwe mukuikambirana ndiyo ndondomeko yoyang'anira chisamaliro , yang'anani mwatcheru pa intaneti kuti mupereke chitsimikizo kuti mudzatha kupeza ogwira ntchito m'dera lanu la utumiki wanu wodzipereka.
Zochitika Zowopsya za Obamacare
Ngati muli ndi zaka zosachepera 30 ndipo muli nzika kapena malamulo a ku US, mukuyenera kugula ndondomeko yathanzi kudziko lanu lopanda chithandizo Care Act inshuwalansi. Ndondomeko yowopsya ikhoza kukhala yotchipa kusiyana ndi nthawi zonse zaumoyo koma zowonjezera kwambiri. Chifukwa chakuti deductible ndi yapamwamba, mapulaniwa akuyenera bwino omwe sakuyembekeza kugwiritsa ntchito inshuwaransi yawo, kapena omwe ali ndi ndalama zochuluka zomwe zingathe kulipira madola zikwi zambiri mu thumba la chithandizo chamankhwala asanakhale inshuwalansi ya umoyo.
Ngati muli ndi zaka 30 kapena kupitirira, simukuyenera kugula ndondomeko yoopsa. Komabe, chosiyana ndi lamuloli amalola anthu 30 kapena kupitapo kugula dongosolo loopsya ngati atangopeza chilango chovuta kuchokera ku chiphaso cha inshuwaransi.
COBRA
Ngati panopa muli ndi inshuwaransi ya umoyo pakhomo panu, ngakhale mutasiya ntchito mungakhale oyenerera kupitilira chithandizo kwa miyezi 18 pogwiritsa ntchito chithandizo cha COBRA . Pansi pa COBRA, mudzalipira gawo la ndalama zomwe munkapatsidwa kuchokera ku malipiro anu onse kuphatikizapo gawo la phindu limene abwana anu ankalipira. Kuonjezerapo, mudzalipira malipiro a 2%.
Otsogolera olemba COBRA samachepetsa kwambiri ndi kulipira mochedwa; ngati mutangotsala pang'ono kulipira, mukhoza kutaya chinsinsi chanu cha COBRA.
Ngati Mukudzipereka Padziko Lonse kwa chaka chimodzi kapena zambiri
Ngati mukudzipereka kunja kwa United States kwa chaka chimodzi kapena kuposerapo, mungakhale ndi mpumulo ku chilango cha msonkho chosavomerezedwa. Anthu omwe ali m'dziko lachilendo kapena mayiko ena masiku osachepera 330 a chaka akhoza kulandira ufulu wothandizira inshuwalansi ya thanzi.
Malamulo omwe amaletsa kukhululukidwa uku ndi ovuta, choncho lankhulani ndi mlangizi wanu wamisonkho musanayambe kuti mukuyenerera. Mudzafunika kukwaniritsa miyezo yomwe ilipo monga "kuyesa kupezeka" mu IRS Publication 54 , A Tax Guide kwa azika a US ndi aakazi okhala kunja.
Mayiko ena amalola kuti anthu omwe amayendera ma visa ena nthawi yayitali agulitse malingana ndi inshuwalansi ya dzikoli. Kaya njirayi idzapezeka ndi mtundu wanji wa inshuwalansi yaumoyo yomwe ikupezeka idzakhala yosiyanasiyana kuchokera ku dziko ndi dziko.
Ngati mwapeza kuti ndi njira yabwino kudziko limene mungakhale odzipereka kwa nthaŵi yaitali, fufuzani za kufalitsa ndi khalidwe la chisamaliro lomwe liripo mu dziko lanu loyang'anira musanayambe.
Dzifunseni nokha ngati mungakhale okhutira kukhala osamala m'dziko lanu lopanda alendo ngati mutadwala kwambiri kapena mukuvulala kwambiri. Ngati mukufuna kubwerera kunyumba, ndiye kuti mudzafunanso kukonza momwe mungaperekere kuti mutuluke kunyumba komanso momwe mungaperekere chithandizo chamankhwala kuchipatala ku United States ngati Thandizo la inshuwalansi ya dziko lanulo silidzakutetezani mukadzabwerera.