Chaka chilichonse, antchito omwe ali ndi antchito oposa 50 omwe amapereka chithandizo chamankhwala ayenera kupereka "nthawi yolembera" (olemba ntchito ang'onoang'ono amaperekanso nthawi yolembera).
Kulembetsa kolembera kumapezekanso kwa anthu kapena mabanja omwe agula inshuwalansi yawo ya umoyo kudzera ku mgwirizano wa ACA kapena mwachindunji ku makampani a inshuwalansi (ie, kusinthanitsa ).
Panthawi yolembera, ochipatala amatha kulowa kapena kukonza mapulani, kapena kusintha kusintha komwe akukhala nawo panopa. Mitengo ikuwerengedweratu panthawiyi, ndipo mitengo ya ndondomeko ya thanzi imasinthidwa.
Kawirikawiri, nthawi yolembera nthawiyi ndi nthawi yokhayokha chaka chonse pamene kusintha kungapangidwe ku zolembera.
Kodi Kulembetsa Kwasintha N'chiyani?
Ngati mutapeza ubwino wa thanzi lanu kupyolera muntchito yanu, mudzakhala ndi nthawi yolembera . Kawirikawiri, nthawi yolembetsa imatha masabata angapo kapena mwezi umodzi. Nthawi yolembera yotsegulidwa nthawi zambiri imakhala nthawi ya kugwa, koma olemba ntchito amatha kusinthasintha polemba ndondomeko yolembera. Kampani yanu iyenera kukudziwitsani za nthawi yanu yolembera. Lumikizanani ndi Dipatimenti Yanu Yopereka Zolinga zaumunthu ngati simukutsimikiza kapena kufufuza zambiri zokhudza mapulani ndi ndondomeko za chisamaliro cha kampani yanu.
Ngati mumagula inshuwalansi ya umoyo wanu komanso muli ndi ndondomeko yovomerezeka ya ACA-mosiyana ndi chithandizo cha inshuwalansi yaifupi yachabechabe kapena ndondomeko yaing'ono yopindula-mumayambanso kulembetsa, monga momwe chidziwitso chingapezeke pa nthawi yogula nthawi (kapena pa nthawi yolembera yapadera ngati muli ndi chiyeneretso patapita chaka).
Ngati ndi choncho, nthawi yanu yolembera imayang'aniridwa ndi Dipatimenti ya Zaumoyo ya Umoyo ku United States, yomwe ili pansi pa malamulo okhudza Care Affordable Care Act (chisanafike chaka cha 2014, palibe chithandizo cholembera inshuwaransi yaumwini, koma mabungwe a inshuwalansi maiko ambiri akhoza kukana ntchito kuchokera kwa anthu omwe alipo kale, kapena kuwapatsa malipiro apamwamba; kufotokozera tsopano ndiwotsimikizirika, mosasamala kanthu za mbiri yachipatala, koma kulembetsa sikungatheke kulembetsa olembetsa kapena nthawi yolembetsa yapadera ).
Kwa chitukuko cha 2016 ndi 2017, kutsegulira kwachindunji kukonzekera malonda (payekha ndi kusinthanitsa) kunayambira kuyambira November 1 mpaka January 31. Kwa kufotokozera kwa 2018, komabe mawindo olembera osatsegulidwa adzakhala ochepa kwambiri , kuyambira November 1, 2017 mpaka December 15, 2017. Iyi ndi ndondomeko yomwe idakhazikitsidwa kale kumayambiriro kwa chaka cha 2018, koma HHS idasunthira chaka chimodzi, ikugwiritsanso ntchito kumapeto kwa 2017.
Ngati muli pamwamba pa zochepa za moyo, mukhoza kukhala odziwa kulembetsa. Mutha kuyambiranso ndondomeko yanu nthawi imeneyo chaka chilichonse. Komabe, ndizotheka kuti munthu aiwale za, kapena aphonye nthawi yawo yolembera.
Ngati mwaphonya, muli ndi zosankha zochepa.
Ndinasowa Zopindulitsa Zanga Zogwira Ntchito Zowonjezereka. Ndingatani?
Ngati mwaphonya nthawi yowunikira kwa kampani yanu ya inshuwaransi, mukhoza kukhala opanda mwayi. Ngati simunayambe inshuwalansi ya umoyo wanu, muli ndi mwayi woti simungathe kuchita chaka chino. Ngati mwadzidzidzi mutha kusintha, mutha kukonzanso pulogalamu yomweyi yomwe munakhala nayo chaka chatha.
Mabungwe ena ali ochepetsetsa kuposa ena ponena za kulembetsa, koma ochepa okha angapange mpadera wapadera kwa munthu yemwe wangoiwala kuti awonekere, monga momwe zoletsedwazo siziletsedwa ndi mawu a mgwirizano wa inshuwalansi.
Nthaŵi yolembera yapadera
Ngati mwaphonya kulembetsa osatsegulidwa ndipo simunalowere m'ndondomeko yomwe mwasintha, mungakhale opanda inshuwaransi , pokhapokha mutakhala ndi zochitika zazikulu, zomwe zingayambitse nthawi yolembetsa.
Nthawi yolembetsa yapadera ingayambike ngati inu mutaphimbidwa pa ndondomeko ya wina ndikutaya chithunzichi. Mwachitsanzo, ngati mwasungidwa ndi ndondomeko ya mnzanuyo ndipo mwamuna kapena mkazi wanu ataya ntchito kapena mutasudzulana, izi zingachititse kuti mulembetse nthawi yapadera yomwe ingakuthandizeni kulembetsa ndondomeko ya thanzi lanu nthawi yomweyo.
Kuonjezerapo, ngati mukwatirana, mukhale ndi mwana, kapena mutenge mwana, mukhoza kulembera odwala anu nthawi yomweyo pa nthawi yolembera. Nthawi zolembera izi zimagwiritsidwanso ntchito pa msika wina aliyense, kotero ngati mutaya ntchito inshuwalansi ya ntchito yanu pakati pa chaka, mumayenera kulembetsa ndondomeko kudzera mwachindunji kapena mwachindunji kudzera mu kampani ya inshuwalansi ya umoyo, ngakhale Zolemba kuti kutsegulidwa kwa chaka kwatha.
Ngati palibe chomwe chinachititsa kuti pakhale nthawi yolembera yapadera, mudzayenera kuyembekezera nthawi yotsatira yolembera kuti mutsegule zothandiza zaumoyo kapena kusintha kusintha kwanu komweko.
> Zotsatira:
> Dipatimenti ya zaumoyo ndi zithandizo zaumunthu. Chitetezo cha Odwala ndi Ntchito Yodalirika Yothandiza, Msika Wolimbitsa . April 2017.