Zochitika Zoyenerera Zomwe Zimayambitsa Nthawi Yolembetsa Yapadera
Nthaŵi yapadera yolembera ndi nthawi imene mumaloledwa kusintha kusintha kwa inshuwalansi yanu ngakhale kuti si nthawi yolembera .
Kawirikawiri, simukuloledwa kulemba inshuwalansi ya umoyo kapena kupanga ndondomeko iliyonse ya thanzi kusintha koma pa nthawi yolembera. Komabe, zochitika zina zoyenera zidzakupangitsani nthawi yolembetsa yapadera kuti ikuthandizeni kusintha kwa kanthawi kochepa chichitike.
Ngati simusintha kusintha kwa inshuwaransi yanu panthawi yolembera yapadera, muyenera kuyembekezera nthawi yotsatira yolembera kuti musinthe.
Nthawi zolembera zapadera zimakupatsani masiku 30 kuti mulembetse mu dongosolo loperekedwa ndi abwana anu (kapena kuonjezera ogonjera pulojekiti yanu). Koma pokonzekera malonda awo, nthawi zolembera zapadera zimakhala masiku makumi asanu ndi limodzi, ngakhale kuti ena amatha masiku makumi asanu ndi awiri asanafike komanso pambuyo pake.
Kodi Ndi Zomwe Zikuyeneretsani Zimayambitsa Nthawi Yowonjezera Yapadera?
Zinthu zomwe zimasintha kukula kwa banja lanu kapena zimakupangitsani kuti mukhale ndi inshuwalansi ya umoyo wanu nthawi zambiri zimayambitsa nthawi yolembera. Zitsanzo zikuphatikizapo:
- Kusudzulana kumakusokonezani
- Ukwati
- Kubadwa kwa mwana
- Kulandiridwa kwa mwana
- Imfa ya mnzanuyo imakusiya iwe wosatsimikizika
- Kutayika kwa inshuwalansi ya umoyo wanu
- Kutaya inshuwalansi yanu yapamwamba ya ntchito
- Kuchepetsa nthawi ya ntchito kumakupangitsani kuti musagwirizane ndi inshuwalansi ya umoyo
- Mayi Woyenera Wothandizira Ana Achipatala
- Mumasuntha kunja kwa malo a HMO
Zochita Zokwanira Zili Zofananamo Koma Sizinagwirizane ndi Msika Wokha
Zisanafike chaka cha 2014, zochitika zoyenera komanso zolembera zapadera zimagwiritsidwa ntchito pamsika wa magulu (mwachitsanzo, inshuwalansi ya ntchito) ndi Medicare, koma osati pa msika.
Panalibe nthawi yolembera pamsika payekha pokhapokha mchaka cha 2014, chifukwa machitidwe azaumoyo sanali otsimikizika pa nthawi iliyonse ya chaka m'mayiko ambiri - kotero panalibe kusowa kwa nthawi yapadera yolembetsa; anthu amangogwiritsa ntchito, ndipo amavomerezedwa kapena kukanidwa ndi ogulitsa inshuwalansi.
Koma izo zinasintha ndi Wodalirika Care Act. Msika wamakono tsopano uli ndi nthawi yolembera yapadera monga msika wogulitsa inshuwalansi . Zili zofanana kwambiri ndi zochitika zomwe zimayambitsa nthawi yowunikira yapadera kwa inshuwalansi yothandizidwa ndi abwana ndi kulandira Medicare, koma pali kusiyana. Ngati mukugula inshuwalansi pamsika (payekha kapena mutengapo mbali), onetsetsani kuti mumvetsetsa momwe zochitika zoyenerera zimagwirira ntchito pazinthu zapadera .
Ndipo monga tafotokozera pamwambapa, kumbukirani kuti zochitika zovomerezeka zimakupatsani masiku 60 kuti mulembetse kapena kusintha kusintha pa malonda payekha, koma mwachidule masiku 30 okha kuti mulowetse kapena kusintha malingaliro operekedwa ndi abwana.
Kodi Nthawi Yolembera Padera Imakhala Bwanji?
Pano pali chitsanzo:
- Melissa, Ken, ndi ana awo asanu ali ndi inshuwalansi ya umoyo kudzera mwa Ken. Melissa amagwiranso ntchito. Ntchito yake imapereka inshuwaransi ya umoyo kwa iye koma osati kwa omwe amadalira. Pa nthawi yotsiriza yolembetsa, Melissa anachotsa mwayi kuti athandizidwe inshuwalansi kudzera muntchito yake chifukwa inali yotchipa kuti adziphimbe yekha ndi dongosolo la banja kupyolera mu ntchito ya Ken.
- Maola a Ken akudula nthawi yochepa. Ogwira ntchito panthaŵi imodzi sapeza inshuwalansi ya thanzi komwe Ken amagwira ntchito. Banja lonse limatayika inshuwalansi. Izi zimayambitsa nthawi yowunikira inshuwalansi ya inshuwalansi ya ntchito ya Melissa komanso nthawi yowunikira pa inshuwalansi ya umoyo ku Melissa ndi Ken.
- Melissa ali ndi nthawi yolembetsa ya masiku makumi atatu kuti adzilembetse yekha inshuwalansi pantchito yake ngakhale kuti anali atasiya inshuwaransi. Ngati sachitapo masiku 30 awa, sangathe kulemba kuntchito yake kufikira nthawi yotsatira yolembera.
- Bwana wa Melissa sapereka chithandizo cha banja, choncho Ken ndi ana adzalandira inshuwalansi ya umoyo pa inshuwalansi yawo. Ali ndi nthawi yolembetsa ya masiku 60 kuti alowe inshuwalansi ya umoyo. Ngati salembetsa masiku makumi asanu ndi awiriwo, sadzakhala ndi mwayi wina wolembera inshuwalansi ya umoyo pa inshuwalansi ya umoyo wawo mpaka chaka chotsatira cholembera chaka chotsatira.
Pamene Ken ndi ana akulembera inshuwalansi pazochita zawo, iwo angagwiritsenso ntchito ndalama zowonjezera . Ngati ali oyenerera, chithandizochi chidzalipilira mbali zina zomwe amapereka inshuwalansi ya mwezi uliwonse. Ndipo popeza sakuyenera kulandira chithandizo kudzera mwa abwana a Melissa, glitch sagwiritsa ntchito (onani kuti ngati Melissa amagwira ntchito nthawi zonse kwa abwana ndi 50 kapena antchito ambiri, kufotokozera kwa iye adzayenera kulola ogwira ntchito kulembetsa, koma palibe chofunikira kuti abwana a kukula kulikonse azipereka chithandizo kwa okwatirana).
> Zotsatira:
> Cornell University Law School, Institute of Information Information Institute; 29 CFR 2590.701-6 - Nthawi yolembera yapadera.
> Cornell University Law School, Institute of Information Information Institute; 45 CFR 155.420 - Nthawi zolembera zapadera .