Wakarasa Basa Rako Here? COBRA Inokuchengetedza Iko Utano Wenyu Wehutano

Zvaunoda Kuziva NezveCOBRA

COBRA mutemo weUnited States unobvumira mushandi akavharidzirwa nemhuri yake kuti ienderere mberi kwekuchengetwa kwavo kweutano hwehutano pavanotarisana nechiitiko chakakodzera chinoita kuti varasikirwa nacho. Mumwe munhu akafukidzwa nemutemo uyu anozivikanwa semunhu anobatsirwa. Mienzaniso yezviitiko zvinofanirwa kune vashandi inosanganisira kusiya kana kusiya basa rako kana kuti maawa ako aderedzwa. Mutemo unobvumirawo mudzimai nemwana wevashandi kuti varambe vachienderera mberi kana pane zviitiko izvozvo zvichiitika kana kana mushandi akavhara akafa kana kuti akazobatwa neMurengeti.

Uyezve, inosanganisira kudzivirirwa kune wawakaroorana naye kana aizorasikirwa nemishuwarisi yemubhadharo nemhaka yekurambana. COBRA, iyo Congress yakapfuura muna 1986, inomiririra Consolidated Omnibus Budget Reconciliation Act.

Chikonzero Nei Unoda Kunzwisisa Kodzero Dzako Pasi COBRA

Iko inshuwarhu yehutano yehutano iwe waunoshandira inogona kukuchengetedza kubva mune zvemari kukuvara iwe iwe kana mumwe wevaya vanovimba navo vanorwara. Kana iwe ukarasikirwa nebasa rako, kana chimwe chiitiko chinotyisa kugoverwa kwako, zvinokosha kuti uzive nezveCOBRA uye kuti ingakudzivirira sei. Bhushu yehutano hwehutano ndeimwe yezvinhu zvakakosha zvikamu zvekubhadhara mari yako. Vamwe vashandi vanobhadhara premium yose, asi vazhinji vanoda vashandi kubhadhara chikamu uye dzimwe nguva kunyange chinhu chose. Chero mamiriro ezvinhu, kubatanidzwa muurongwa hwehushuwarisi hweboka revashandi inenge nguva dzose inodhura kudarika kubhadhara mumwe munhu inshuwarisi yehutano.

Paunobva mubasa rako, pasinei nokuti iwe unodzingwa here kana kuti ukarega, iwe haufaniri kuenda kunze kwehutano inshuwarisi nokuti haugone kuwana mutemo wega.

Ndiyo apo COBRA inopinda. Inokubvumira kuti urambe uchibatanidzwa muchikwata chako chehutano inshuwarano yehutano nekubhadhara mutemo wako iwe pachako. Heano mhinduro dzemimwe mibvunzo yaunogona kuva nayo. Mashoko aya anowanikwa pano ndeawo maitiro. Mhedziso yenyaya yacho inokuudza kuti ungaenda kupi kune rumwe ruzivo.

Vose Vose Vakagadzirira Mapurisa Emishonga Inotsigirwa neCOBRA?

Hasi mapoka ose eboka ari pasi peCOBRA. Izvo chete zvirongwa zvinoshandiswa nemabhizimisi uye hurumende dzenyika kana hurumende dzine vashandi vanopfuura makumi maviri. Mapoka ehutano inshuwarano iyo United States hurumende yehurumende, makereke uye mamwe masangano echechi anopa vashandi vavo haasi pasi pazvo. Hurumende yeHurumende inopa chimwe chinhu chakafanana kune vashandi vavo, zvisinei.

Ko COBRA Inokudzivirira Iwe Nemhuri Yako Here?

Kana iwe kana mhuri yako mune chiitiko chakakodzera, somuenzaniso, iwe unorasikirwa nebasa rako nechikonzero chero chipi zvacho asi kukanganisa kwakaipa, kurega basa rako, kana wako waanoshandira anoderedza maawa ako, unofa kana iwe nemumwe wako kurambana, uye iwe unopindura "hongu" kune chero ipi zvayo mibvunzo inotevera, iwe unogona kunge wakakodzera COBRA:

• Iwe unoshandira wega wega yevashandi kana hurumende kana hurumende yega yega nevashandi makumi maviri kana kupfuura here?
• Iwe wakafukidzwa neboka boka remishonga inshuwarano yehutano inopiwa nemuviri weumwe wako kana mubereki kana hurumende kana hurumende yemunharaunda?
• Iwe iwe kana mhuri yako wakavharwa neboka boka rehutano hwezuva rehusiku pazuva risati rasvika chiitiko chinodiwa?

Zvikonzero Zvokusarudza Kuenderera Mberi kuburikidza neCOBRA

Iwe unofanirwa kusarudza kuramba uchienderera mberi neboka rako remishuwarenzi yehutano apo:

• Urongwa hwako hwakanaka kupfuura mamwe mazano angave aripo.
• Iwe kana vatsigiri vako havazove nehupfumi pasina iyo.
• Iwe unogutsikana neurongwa hwako uye vatano vako vehutano.

Zvikonzero Zvaunofanira Kusarudzwa Kuti Usazoenderera Mberi Pako

Iwe haufaniri kushandisa COBRA kuti urambe uchiverenga kana:

• Iwe unogona kuwana ruzivo kubva kune wawakaroorana naye, kana mumwe mubereki, mushandi.
• Iwe unowana urongwa huri nani kuburikidza neMutano Wemainishuwarenzi Wemari Market.

Iwe unofanirwa kuona kuti kana uri pasi pemamwe mamiriro ezvinhu iwe unofanira kumirira kusvika nguva yakasununguka yekunyora kunyoresa chirongwa chemishonga inshuwarano yehutano, HIPAA , Mutemo wehutano hwekuchengetedzwa kwehutano nekupa mutoro, inopa mukana kune avo vakarasa kurasikirwa kwekuvhara kunyoresa pane imwe nguva. Izvi zvinonzi kunyorwa kunokosha.

Uchabhadhara Zvakadini Kuti Urambe Uchinyatsogadzirira?

Mari yaunenge uchibhadhara mari yemishandiro yako yveshuwarisi inoenderana nemari yeurongwa.

Iwe haungabhadhara mari yakawanda yakabatanidzwa nemushandi uye mushandi anobhadhara mutemo iwoyo (pamwe ne2% yekutarisira mari).

3 Zvinhu Zvinofanira Kuitika Pashure Pechiitiko Chekufanirwa

1. Washandi wako anofanira kuzivisa urongwa hwehutano hwehutano mukati memazuva makumi matatu kubva pabasa rako kuguma, kuderedza mumaawa ako, kana kufa kwako.
2. Kana ikangogamuchira chiziviso, chirongwa chacho chinofanira kutumira chiziviso chokusarudzwa kwauri uye kune vamwe vanogona kubatsirwa mukati memazuva gumi nemasere kubva kugamuchira ruzivo kubva kumushandi wako. Ichatsanangura kodzero dzako uye kukuudza kuti ungasarudza sei kuti urambe uchiverenga.
3. Iwe uchava nemazuva makumi matanhatu kubva pazuva rawakagamuchira chiziviso chako chekusarudzwa kana musi wawakapedza kusarudzwa kuti uenderere mberi kwako.

Inguva Yakadii Unogona Kuenderera Mberi Yako?

Iwe nemhuri yako unogona kusarudza kuramba uchiendesa inshuwarisi kwemwedzi 18 kana iwe wakakwanisa kuCOBRA nokuti wakarasikirwa kana ukarega basa rako. Kana ukakundikana kubhadhara mubayiro wako, kana iwe unotanga kupararira pasi peimwe hurongwa hweboka, kugovera kwako kuchapera. Kana panguva ipi zvayo iwe wekare wekare iwe usati wopa boka rehutano inshuwarano yehutano kuvashandi, iwe hauchazokwanisi kutora chikamu.

Kwatingawana Mamwe Mashoko Pamusoro peCOBRA

Vanhu vanoshanda kune vashandi vega vega vanofanira kuonana neHarare Employee Benefits Security Administration, kupatsanurwa kweDhipatimendi reBasa reUnited States. Unoshevedza pasina kubhadhara (866) 444-3272, kana kuti shanyira http://www.dol.gov/ebsa/contactEBSA/kunyora mabhuku.html.

Kana iwe ukashanda kune hurumende kana hurumende, unofanira kuonana neCenters for Medicare & Medicaid Services pa:

7500 Security Boulevard
Mirasi Yega C1-22-06
Baltimore, MD 21244-1850

Zvinonzwisisika: Mashoko ari munyaya ino ndeyekutungamira, pfungwa uye rubatsiro chete. Kunyange zvazvo munyori achiita zvose zvaanogona kupa mazano akarurama uye ruzivo, haasi gweta. Nokudaro, zvinyorwa hazvifaniri kutorwa semazano epamutemo. Tarisa hupfumi hwehurumende kana mazano epamutemo kana usina chokwadi nezvehumwe mamiriro ako.

Sources:

• Dhipatimendi reMabasa. FAQs About COBRA Kuenderera mberi Health Health.
• NOLO. Kodzero Dzako Paunobva Mubasa.