Kunzwisisa Zvinonzwisisika uye Kumukwikidzika Bhizimisi Bhizimisi
Vashandi vanobatsirwa nevashandirwi vanogona kugadzirisa mutsara wezvaidiwa uye kwete vashandi vanobatsirwa. Kubva kuchiremba uye mishonga yehutano inshuwarisi yekuchengetedza mari uye kubatsirwa kwezvipo, makambani anowanzova nezvisarudzo zvakawanda zvekupa gore negore. Kuguma kwegore inguva yakafanira yekuunganidza zvose zvakadzingwa uye zvisingabatsiri chirongwa chepurogiramu yebatsiro pamwe chete kuongorora kuti zvese izvi zvinobatsira sei kuwedzera hupenyu hwevashandi, kana vachiri mari inoshanda, uye ndezvipi zvitsva zvinogona kuwedzerwa ku kunatsiridza kukwana kuripo.
Zvakanakisisa kuronga basa raidiwa nevashandi pakutanga, uye zvino kushanda pane zvisiri izvo zvinodiwa.
Anoshanda mushandi anobatsirwa - chii?
Pasinei nokuti iwe unoshanda bhizinesi duku kana boka guru rehurumende, pane mitemo yepabasa munzvimbo inochengetedza basa rehutano nehupfumi. Imwe yenzvimbo iyo mutemo unotaura zvakananga ndeyekuti vashandi vanofanira kutakura zvisungo zvishoma zvinodiwa nevashandi vanobatsirwa. Izvi zvinowira pasi pemitemo yakasiyana-siyana kusanganisira Affordable Care Act, ERISA, nezvimwe. Zvakakosha kusiyanisa pakati pezvinodikanwa zvinodiwa uye izvo zvinoshandiswa nemabhizimisi.
Inshurensi yekuremara
Mune dzimwe nyika, nguva shomanana uye yakareba kwenguva yakaremara inshurensi inoshandiswa nevashandi vanobhadhara, inobhadharwa pamwe chete nevanoshandira nevashandi. Zvimwe zvirongwa zvinowanzovharwa nevashandi vekubhadhara mari. Bhuku reBusiness Business Administration rinopa zano kuti inotevera inotevera inoda inshurensi yekuremara kuti ipe mubhadharo wechikwereti kune vashandi vakakodzera kana vakawana njodzi dzisina kukonzerwa nemabasa kana kurwara:
- California
- Hawaii
- New Jersey
- New York
- Pota Riko
- Rhode Island
Family Leave and Medical Leave
Mune dzimwe nyika, Family Medical Leave Act (FMLA) inobvumira vashandi kusvika kumavhiki gumi nemaviri emabasa-akadzivirirwa kushanda asina kubhadhara kana vakawana zvimwe zvinodiwa. Munguva yezororo, mapoka ose ebasa anobata mabasa. Kana mushandi akasarudza kusadzokera kumushandi pakupera kwezororo reMFLA, iye angave achikwanisa kubhadharwa uye akaenderera mberi nehutano hwehutano pasi peCOBRA mitemo.
Ikambani inofanira kushandira vanhu vanenge 50, kana kuva sangano revanhu vose.
- Mushandi anofanira kudiwa kuti atarisire kuberekwa, kuchengetwa kwevabereki, kana kugamuchira mwana.
- Mushandi anofanira kuchengetedza nhengo yemhuri inosangana nekurwara kwakakomba kana kukuvara.
- Mushandi anofanira kutarisira kuchengetedza hutano hwavo hwakakomba.
- Mushandi anofanira kunge ari kutarisira kune akakuvara kana kurwara anoshanda muchiuto.
Muzviitiko zvizhinji, vashandi vanofanirwa kuzivisa vashandirwi vavo nguva isati yatora vasati vaenda kubvumirano yeFMF inogamuchirwa, kunyange zvazvo zvirwere zvinokurumidza zvinogona uye zvinouya. Varume nevarume vose vakakodzera kuwana zororo re FMLA rakazara, saka vachiita kuti ave mubereki-anobatsira zvikuru.
Kubhadharwa Nguva yakasununguka uye Zvimwe Zvikamu Zvinobatsira
Kunze kwechifambiso cheMFLA, vashandi havakwanisi kutarisirwa nemitemo yehurumende kuti vape mari yekubhadhara kana kusabhadharwa kune vashandi. Zvisinei, iyo ndiyo tsika yakawanda yevashandirwi vakawanda kupa zvikamu zvishomanana zvakabhadharwa uye zvisina kubhadhara zuva rebhasi rekubatsira kune vashandi. Nguva yakawanda, nguva yekubhadhara inongogumira nguva yezororo uye nguva yezororo, nguva yekurwara, nguva yega yega, zororo kana kuti kurasikirwa kwezororo, uye jury duty leave.
Makambani akawanda anopa vashandi mukana wekubhadhara nguva yekubhadhara zvichienderana nemaawa akawanda avakashanda pane imwe nguva yenguva, uye awa maawa anovaka kana kuwedzera.
Mamwe makambani angasarudza kugovera nguva shomanana kubva pagore, uye mazuva anotevera achienda asina kubhadharwa. Mutemo wakabhadharwa nguva inobhadharwa inosanganisira mazuva mashanu ezororo, mazuva matatu ekurwara, uye 1 zuva rega rega.
Social Security uye Medicare Mitero
Kunyange zvazvo vashandi vakawanda vasingafungi nezveSocial Security uye Medicare semubatsiro, asi pane chimwe chinhu chavakawana, vashandi vose vanobhadhara kubhadhara Social Security uye Medicare mitero. Vanofanirwawo kupiwa chikwereti chekupa mukana wekusarura mari yevashandi. Ichokwadi, vashandi veUnited States vanofanira kufanana nehuwandu hwevashandi vanobhadhara muSocial Security system, iyo inofananidzwa nezera remumwe wevashandi uye kuti vashandi vanowana sei.
Mumwe mushandi anopedzisa mamwe mafomu emitero pakutanga kwebasa, uye izvi zvinoumba hwaro hwemufananidzo weW-2 unofanirwa kuiswa nevashandirwi kuudza mibairo.
Mukuwedzera, vashandi vanofanira kuongorora huzivi uye mazita evashandi vose vachishandisa (pasina) Social Security Number Kuongorora System kana (yakabhadharwa) Consent Based SSN Verification Service. Izvi zvinodzivirira kushandiswa kwekusarudzwa kwakashata nevashandi uye kunoita kuti mushandi akakodzera anzirwe nokuda kwezvaizobatsira mune ramangwana.
Zvakakosha kucherechedza kuti vashandi vemazuva ano vari kubhadhara muSocial Security system vanogona kungova nehuwandu hwe80-70 muzana yemari iyi kana vasvika kumakore ekurasikirwa. Nzira iyi yakagara ichitsoropodzwa nekuda kwekusagadziriswa kwenguva refu kwevashandi veAmerica, uye yakamanikidzwa nehuwandu hweMwana Boomers avo vari kusvika kumakore ekurasira pamadhora 500 000 pazuva.
Inishuwarenzi yeHusha
Makambani ose anofanira kubhadharira inshurensi yebasa risina mari kune vashandi vose, pasinei kana vari nguva yakazara kana chikamu-nguva. Izvi zvinogutsikana kuti kune mari inowanika kuvhara nguva dzisina basa kana mumwe kana vamwe vakazviparadzanisa zvakasiyana nekambani. Kambani imwe neimwe ichacherechedzwa ichi nehurumende iyo inoshanda nayo uye kuti inguru yakawanda iyo kambani inogona kutakura. Makambani akanyoresa nehurumende vashandi vesangano uye mari inotarisirwa pano. Kana mushandi akaregererwa uye pasina chikonzero chakagadziriswa, iye angagamuchira kubhadhara kwemabasa kwenguva pfupi. Kana zvisina kudaro, vashandi havabatsiri zvakananga kubva kune inishuwarenzi inodiwa.
Ndezvipi Zvisingadi Zvinodiwa?
Zvose zvinobatsira vashandi zvinoonekwa sezvisiri izvo zvinodiwa, kunze kwei zvishoma zvinoda hutano hunodiwa pasi peObamacare. Izvi zvinongogadzirisa makambani ane 50 kana kupfuura akawanda vashandi venguva yakazara kana zvakaenzana nevashandi venguva yakazara. Inishuwarenzi yehutano inofanirwa kupa rubatsiro rwekudzivirira, asi inogona kutakura zvakakwirira kubva mumapokisi mahara.
Zvimwe zvisingabatsiri zvinobatsira zvinosanganisira mamwe marudzi ekuwedzera inshuwarisi, zvirongwa zvekuchengetedza mari, mararamiro ehupenyu, maonero uye mazino emunharaunda, hurongwa hwehutano hwakanaka, mibairo nemigumisiro yezvemakambani, kukurudzirwa kwevashandi uye kubatsira kudzidziswa, mapurogiramu anobatsira vashandi, chiremba uye mukoti kutarisira kutsvaga, telemedicine , nezvimwewo. Hapana chimwe chezvikomborero izvi chinotarisirwa nemutemo, asi chiri pakuchenjerera kwevashandi vose. Muzviitiko zvizhinji, zvisingabatsiri zvinobatsira makambani kuti ave anokwikwidzana uye anowanzotaurirwa nemhando yemabhizimisi maitiro.