Vanhu Vasingashandisi Vanofanira Kusarudza Chero Kubhadhara COBRA
COBRA inopa mitemo inopa vashandi vanorasikirwa nehutano hwavo nekuda kwekushaiwa basa, kodzero yekuzvisarudzira kupfuurira mberi kwehutano hwemapoka ehupi inopiwa neurongwa hwehutano hweboka.
Izvi zvinowedzera kubatsirwa kwehutano zvinowanikwa kune mhuri dzeavo vakarasikirwa nemabasa avo.
Aya mazano ezvoutano anogona kuwedzerwa kwenguva shoma pane imwe mamiriro ezvinhu, maererano nemitemo yeCOBRA.
Mitemo yeCOBRA inotaura kuti mamiriro ezvinhu akadai sekuzvipira kwebasa nokuzvidira kana kusazvipira, kuderedzwa kwemaawa akawanda mushandi anobasa, kuchinja uye zviitiko zvehupenyu zvakadai sekufa, kurambana, uye kusashaya basa zvinogona kuita kuti vanhu vakwanise kuramba vachiita zvehutano hwavo mushure mokupera.
Vanhu vakakodzera vanogona kudiwa nemushandi kubhadhara iyo yose yehutano yemainishuwarenzi yehutano yehutano hwekuchengetedza hutano kusvika pa10 muzana yemari yeurongwa.
COBRA Regulations
COBRA mitemo inotaura kuti hurongwa hwehutano hwehutano hunoshandiswa nemushandi, pamwe nevashandi makumi maviri kana kupfuura mugore rakatangira, vanofanira kupa rubatsiro rwekuenderera mberi kuburikidza nekusarudza kweCOBRA.
Vashandi vanofanira kuudza vatungamiri vehutano vehutano mukati memazuva makumi matatu mushure mekunge vashandi vanove vakakodzera.
Ronga vatori vechikamu uye vanobatsirwa kakawanda vanotumirwa chiziviso chekusarudzwa kweCOBRA mumazuva gumi nemasere echiratidzo cherongwa. Kana yakapedza vhiki mbiri kubva pakupera kwako uye iwe usina kunzwa chero chinhu, tapota fona dare rako HR . Mumwe munhu ane mazuva makumi matanhatu kuti asarudze kana angasarudza kuenderera mberi kweCOBRA kuenderera mberi kwehutano uye mazuva makumi mashanu mushure mekusarudza kugoverwa kubhadhara premium yekutanga.
Unofanira Kushandisa COBRA?
Paunenge uchisiya basa (kana uchizvidira kana kuti usingabatsiri) uye usina basa idzva rinopa inshuwarisi yehutano, unogona kubvunza kana iwe uchifanira kunyora kuCOBRA. Zvechokwadi, unoda rumwe rudzi rwehutano inshuwarisi, asi COBRA inogona kana kuti ingasava yako yakanakisisa sarudzo.
Pasi Penyu Rinokosha (ACA), unogona kushanda kune inshuwarhu yehutano kuburikidza neHurumende kana hurumende yekutengeserana kwehutano yehutano mukati memazuva makumi matanhatu ekupemberera kwehutano hwako kuguma. Iwewo une mazuva makumi matanhatu ekutora pamusoro pekubvuma kugoverwa kweCOBRA. Zvakakosha kucherechedza kuti gore ra2017 raive gore rinotambudza reAne Affordable Care Act. Hondo dzepamutemo muCongress, kushanduka kwechirongwa kubva kune avo vanobatana nehutano hwehutano, nekutyisidzirwa kwekudzorerwa kwakasiya vatengi vanobhadhara vachitarisana neramangwana risina chokwadi.
Kunyange zvazvo Congress inenge isina kubudirira kuparadza mutemo, vadzivisi veAACA vanozoenderera mberi kushandisa masimba avo ose aripo kuti vasayanise mutemo uyu muna 2018 uye mberi. Vatengi vanofanira kutarisira kuti kuchinja kweAACA kunokonzera matanho ekutanga uye kuwedzera matambudziko kune rimwe mararamiro emararamiro ehutano, saka unoda kuramba uine ziso pane izvi.
Munguva iyi, unogona kuenzanisa mari uye zvinobatsira zverongwa rimwe nerimwe. Kana iwe uri kutarirwa mishonga, zvinogona kunge zviri pane zvaunofarira kuenda neCOBRA saka haufaniri kuchinja madhigiri kana zvirongwa zvekurapa.
Kunyange, kana iwe usina kufara, ikozvino ndiyo nguva yekuchinja.
Pasinei nechisarudzo chipi chaunosarudza, iwe wakanyatsogadzikana neizvozvo kusvika panguva yakatevera yekunyora , kana COBRA inosvika pakaguma. Zvechokwadi, kana iwe uine chiitiko chehupenyu hunofanirwa, kufanana nekuroora mumwe munhu ane hutano hwekuchengetedzwa kwehutano uyo anogona kukuwedzera kuurongwa hwavo, unogona kuchinja panguva iyoyo. Chero chaunosarudza, ndicho chimwe chinhu chaunofanira kutarisana nazvo kusvikira wawana basa idzva nehutano hwehutano.
Ita kuenzanisa zvakajeka kwezvinodhura. Iwe unogona kubhadhara pamari yepamwedzi yeCOBRA maererano neAACA chirongwa, asi chengetedza zvinhu zvakadai zvakaderedza uye uone zvakakunakira iwe nemhuri yako.
Kana iwe uchangobva kuiswa kunze kana kubviswa, unogona kunge wakanetseka pamusoro pekurasikirwa kwebasa rako zvokuti iwe haugoni kutora nguva yekufunga nezvehutano hwehutano. Usaita chikanganiso ichocho.
Chinhu chekupedzisira chamunoda kuitika ndechokupedza pasina hutano hwehutano zvachose, izvo zvinogona kuitika kana iwe usingagadziri pfungwa yako mukati memakore makumi matanhatu ezuva.
Usatya kana iwe ukawana chirwere ichi kana kuputsa gumbo. COBRA inodzokera kumashure kune zuva rekupedzisira rekambani yekugovera, chero bedzi iwe uchinyora uye ubhadhara miriyamu yako mukati mekubvumirwa kwemazuva makumi matanhatu.
Mamwe Mashoko Pamusoro peCOBRA Mitemo
- Dhipatimendi reMabasa COBRA Mitemo