Inishuwarenzi yekuremara kwenguva pfupi inobhadhara chikamu chemari yako kana iwe uchinge wakaremara kwenguva refu, izvo zvinoreva kuti haugoni kushanda kwenguva pfupi nekuda kwekurwara kana kukuvadzwa kusati kwamboenderana nebasa rako (kubhadhara mari yevashandi kunopa mari kushandiswa kana mamiriro ekuremara aitika nokuda kwekukuvadzwa kwebasa). Kazhinji, hurongwa hwekuremara kwenguva pfupi hunotipa 40 kusvika ku80 muzana yehutachiona hwepamberi hwekuremara.
Vamwe vanhu vane inshuwalense yenguva pfupi yekuremara kuburikidza nemushandi , kubatana, kana imwe sangano rezvemhizha. Iko rudzi rwehurongwa hunozivikanwa seboka rekugovera. Iwe unogonawo kutenga mutemo wega wega kubva kune imwe kambani yemishuwarenzi kana kuti ejenti, kunyange zvazvo inowanzova inodhura kunotenga kugovera iwe pachako.
Kusuruvara Kwenguva Dukure Inishuwarenzi Inoshanda
Yakawanda yenguva pfupi mitemo yekuremara inobatana zvakafanana. Iwe, kana waunoshandira, iwe unobhadhara mwero wepa mwedzi wega wega. Apo chirwere kana kukuvara zvinokudzivirira kushanda, iwe unoshandisa rubatsiro kuburikidza nokutaura nemunhu ari mubazi rebato revanhu rako kana kuti mujeri wenyu weinishuwarenzi. Iwe unogona kana unofanirwa kubhadhara mitero pamari yaunowana kubva mumutemo wekuremara, zvichienderana nokuti zvikwereti zvepurogiramu zvakabhadharwa newe here kana kuti iwe waunoshandira, uye kana akabhadharwa nemutero usati watere kana kuti mushure.
Yakawanda yemazuva ekuremara mitemo inoda uchapupu hunobva kuna chiremba wako hunotsanangura mamiriro ako uye unofungidzira kuti iwe uchave wakabva basa rako kwenguva yakareba sei.
Zvingangodaro, kuchava nenguva yekumirira pakati pezuva raunobva mubasa uye zuva raunofanirwa kubhadhara, kunyange zvazvo maitiro epanguva pfupi ekuremara anowanzopedza mukati memavhiki maviri.
Washandi wako angada kuti iwe ushandise zvimwe kana mazuva ose ekurwara usati watanga kubhadhara mutemo.
Kana nguva yekumirira yasvika, iwe kazhinji uchawana kuiswa muzana yemari yawakagamuchira usati wadzimara.
Somuenzaniso, kana iwe wakabhadharwa $ 1 000 pavhiki, uye mutemo wako unopa 60% yekusagadzikana kwepakutanga, iwe uchawana mari ye $ 600 pavhiki. Mitemo yenguva pfupi inowanzobhadhara zvakapera kwemwedzi mitatu nematanhatu, kunyange zvazvo vamwe vachizopa kugoverwa kwegore kana kupfuura (zvikomborero zvinopera apo urwere hunoguma, kana izvozvo zvichiitika nokukurumidza kupfuura zuva iro mutemo waizorega kurega kubhadhara). Kana iwe uchiri kusakwanisa kushanda kana kupera kwako kwemazuva mashoma kwekuremara kunoguma, unogona kukodzera kugamuchira mibairo yenguva refu yekuremara kana iwe une hurongwa hwekuremara kwenguva refu, kana iwe unogona kushanda yeInternational Disability Disability Insurance, zvichienderana ne mamiriro ezvinhu.
Kuberekwa uye kubhekwa kwemazuva ekuberekwa ndeye chikonzero chinowanzoitika kune zvido zvenguva refu yekuremara. Mitemo yeMhuri uye Yezvekurapa Mutemo (FMLA) inobvumira masvondo gumi nemaviri ezororo risina kubhadharwa, asi inshuwarisi yekuremara kwenguva pfupi inogona kushandiswa kuve nechokwadi chokuti amai vatsva vanowana chikamu chekubhadhara kwake kwemazuva ano panguva imwe chete chikamu chekuenda kwake kwekuberekwa.
Pasi pemutengo unobhadhara Care Act, vashandirwi vakuru vanofanirwa kupa hutano hwehutano kuvashandi venguva yakazara, uye nguva yakazara inotsanangurwa se 30 kana kupfuura "maawa ekushandira" vhiki.
Muna 2015, IRS yakatsanangura nguva iyo mushandi anowana kubatsirwa kwekuremara (nguva pfupi kana nguva yakareba) inonzi "maawa ekubatira" zvinoreva kuti mushandi anofanira kuramba achipa hutano hwehutano inshumo chero bedzi mushandi ari achiri kutaridzirwa ari mushandi anobata basa (cherechedza kuti ACA haiti kuti vashandi vape chero rudzi rwehutano hwehutano hwehurema, asi kana vakadaro, uye kana mushandi ari kuwana rubatsiro rwekuremara, maawa iwayo achiri kuverenga seawa yebasa).
Kuremara Kwemazuva Akare Kwakasiyana Sei?
Inishuwarenzi yekuremara kwenguva refu yakagadzirirwawo kutora chikamu chemari yako yaunowana kana urema hukudzivirira kushanda, asi huchabhadhara zvikwereti kwenguva yakareba kupfuura hurongwa hwekuremara kwenguva pfupi.
Kuvhara kwenguva refu kwekuremara kunowanzoti haisi kutanga kubhadhara mibairo kusvikira iwe usingakwanisi kushanda kwemwedzi mwedzi, uye dzimwe nguva kwenguva yakareba segore kana maviri. Asi kana imwe nguva inobatsira, inopfuurira kwemakore. Zvichienderana nezvesarudzo, vangave vachipfuurira kusvikira iwe uchisvika pakurega basa.
Vashandi vakawanda vane inshuwalense yenguva pfupi uye yakareba kwenguva refu, nokuti zvinhu zviviri izvi zvinogona kushanda zvakagadziriswa kuti zvive nechokwadi chokuti mushandi akaremara anokwanisa kuwana chikamu chekuwana chikwereti chinenge chakakwana kwenguva yakazara yehurema.
Muenzaniso wekuwedzera mitemo ingadai iri purogiramu yenguva pfupi yekuremara nevhiki mbiri yekumirira, iyo inobva yatsiva 70 muzana yebhadharo yevashandi kwemwedzi mitatu, yakabatanidzwa nenheyo yekuremara kwenguva refu ine mwedzi mitatu yekumirira uye anotsiva 60 muzana yemari yevashandi kusvika kumakore gumi (kureba kwenguva iyo chirongwa chekuremara kwenguva refu chichabhadhara zvikasiyana zvinobva pane imwe chirongwa ichienda kune imwe, asi inotarwa mumakore, pane vhiki kana mwedzi).
Kuvharidza kwenguva refu kwekuremara kunodhura kudarika kuvhara kwenguva refu kwekuremara, sezvo mari inogona kuwanikwa yakakura zvikuru, zvichipiwa urefu hwenguva iyo munhu angave achiwana rubatsiro.
Nzira Dzemagariro Ekanguva Yechirwere Hwakagumira Kusiyana
Kunyange zvazvo mitemo yakawanda yenguva pfupi yekuremara ine zvimwe zvakafanana, mumwe nomumwe angave akasiyana zvakasiyana.
Tsanangudzo yekuremara : Mimwe mitemo yenguva duku yekuremara inotsanangura kuremara sekusakwanisa kushanda pabasa rako pachako. Aya anozivikanwa se "pachake basa" tsanangudzo dzekuremara. Mimwe mitemo inotsanangura kuremara sekusakwanisa kushanda mune chero basa, rinozivikanwa se "chero basa" rinotsanangurwa.
Basa Ririmirira: Vamwe vashandi vacharamba vachipa zvirongwa zvekuremara kwenguva pfupi mushure mekunge mavashandira kwenguva yakati, semwedzi mitanhatu kana gore rimwechete.
Period Period: Izvi zvinonziwo nguva yekudzora, uye ndiyo nguva iripo paunorwara kana kukuvadzwa, uye apo inshurensi yako yehutano inobatsira inotanga. Mazano akawanda ekuvhara kwemazuva mashoma ane nguva yekumirira kwemazuva matatu kusvika ku14. Kazhinji, mazano ane nguva refu yekumirira ane mapurogiramu akaderera. Mipurogiramu yakawanda yenguva pfupi yekuremara ine nguva yakasiyana yekumirira yemhando dzakasiyana dzekuremara. Somuenzaniso, chirongwa chingava nechinomwe chemazuva ekumirira kwechirwere uye pasina nguva yekumirira yengozi yakaitika kunze kwebasa.
Mabhadharo Okubhadharwa: Kubhadhara mari inowirirana, asi inowanzova pakati pe40 kubva muzana ne80 muzana yemari yako yekusaporesa. Kana iwe uchida muzinga wepamusoro, iwe unogona kunge uchibhadhara premium yakawanda. Mamwe maitiro epanguva pfupi ekuremara anochinja huwandu hwezvibereko munguva yekubatsira. Semuenzaniso, mutemo wako unogona kubhadhara 80% kwemavhiki matatu okutanga ekuremara uye 50% yezvasara zvekubatsira kwako nguva.
Bhuku Rinobatsira: Mamiriyoni ekupedzisira ekudzivirira hutano inotarisirwa kutora chikamu chemari yako yaunowana kana iwe usingagoni kushanda kwenguva shomanana, kazhinji mwedzi mitatu kusvika kumitanhatu. Mimwe hurongwa hwekuremara kwenguva pfupi icharamba ichibhadhara zvikwereti kusvika kumakore maviri, asi izvo zvisinganyanyozivikanwi (cherechedza kuti kuvhara kwekuremara kwemazuva mazhinji, kunotsanangurwa pamusoro apa, ndeye rudzi rwakasiyana rwematongerwo enyika acharamba achibhadhara mari makore kana kunyange kusvika kune makumi matanhatu pasi pemamwe mapurogiramu; inshurensi yekuremara kwenguva refu inonyanya kudhura kupfuura inshurensi yechirwere chekuremara kwenguva pfupi). Nhepfenyuro yako yenguva pfupi yekuremara inogona kukubvumira kudzokera kubasa pakutongwa. Somuenzaniso, mutemo wako ungakupa mavhiki maviri kuedza nguva. Kana ukadzoka kuzoshanda kwemavhiki mashoma uye wobva wawana kuti haugone kuita basa rako nekuda kwekuremara kwako, mutemo uchakubvumira kuti urambe uchibatsira iwe sekuti iwe usati wadzokera kubasa.
Kuchinja kuhomwe yako yepamusoro: Kana iwe ukasainira purogiramu ye "noncancelable" yenguva pfupi yekuremara, kambani ye inshuwarisi haigoni kuchinja premium yako kana kuti zvikomborero. Zvisinei, kana iwe ukanyora nokuda kwe "gwaro rinotsigirwa" rinotsigirwa, kambani ye inshuwarisi inobvumidzwa kuchinja mahora ako, asi kana bedzi ichishandura iyo yeboka rose revarimi vemazano. Iyo inofanirwa kugoverwa inouya nemaronga ayo ose ari maviri asingabvumirwi uye anovimbiswa zvakare, asi zvirongwa izvi zvinowanzova nezvikwereti zvakakwirira.
Zvisingaiti: Mitemo yakawanda haifaniri kubvisa hurema hwekuzviuraya, kushandiswa kwezvinodhaka, hondo, kana kuedza kuita mhosva. Mamiriro akambovapo- anowanzosarudzwa. Kukuvadza-kwema-basa, iyo yakafukidzwa nevashandi vemari yehutano inshumo panzvimbo iyo, uyewo haifaniri kuvharwa.
Nzira Yokuwana Inishuwarenzi Yemazuva Ekuremara
Kunyora kuGulu Remazano
Washandi wako angapa chirongwa chekuremara kwemazuva mashomanana sechinhu chakanaka chekuita basa. Kana kambani yako ichipa inshurensi yekukuremara kwenguva pfupi, iwe unogona kunyora chirongwa ichi panguva yako yekunyora pakutanga (apo iwe unotanga kubhadhara kubatsiri), kana panguva yekunyorwa kwegore rose yevashandi.
Iwe unogona kutarisirwa kuva nehupfumi pasi pemutemo nekuda kwenguva yakati nguva yekuti mamiriro ezvinhu asati avapo ave akafukidzirwa (anozivikanwa sekusagadzirisa nguva). IAACA yakabvisa kushandiswa kwemamiriro ekugadzirisa kwekare kare uye kusarudzwa kwehutano hwehutano inshuwarheni, asi hauna kuchinja mitemo ine chokuita nehutano inshuwarhu. Tsanangudzo pamusoro pemamiriro ekugadziriswa kwehutano huchagadziriswa ichave muhutano hwemazuva mashoma hwehutano hwehutano hunopiwa nemubhadhari wako, saka iva nechokwadi chekuverenga zvakanyorwa zvakanaka.
Mitemo ine inshuwarisi yemazuva mashoma ekuchengetedzeka inosiyana kubva kune imwe nyika kuenda kune imwe nyika. Kana iwe uchifunga kuti kambani yako kana inshurenzi haisi kukubata zvakanaka, chengeta nedhipatimendi rehurumende yehu inshuwarisi. Iwe unokwanisa kuwana dhipatimendi renyika yveshuwarenzi yako kuburikidza newebsite ye National Association of Insurance Commissioners.
Kuisa mukana weNdividual Policy
Kana iwe uri wekushanda iwe pachako kana kushanda kumushandirwi asingatauri inshuwalense yechirwere chekukuremara kwenguva refu, unogona kufunga kutenga mutemo wega. Iwe unofanirwa kuendeswa kuchipatara kunyoresa kuti uwane chirongwa chekukuremara kwemazuva mashoma (zvakare, ACA haina kushandura chinhu chipi nechipi pamusoro peizvi; inshuwarano yehutano inopihwa nyaya pasinei nematano ehutano, asi inshurensi yekuremara haisi). Paunotenga mutemo wega, tsvaga kambani inoremekedzwa uye iva nechokwadi chekuverenga zvose zvemashoko epurogiramu yako.
Iwe unogona kuwana zvikwereti zvevashandi ve inshuwarisi pane mawebsite anotevera:
- Moody's
- AM Best
> Sources:
> Kuremara Kunobatsira 101.
> Internal Revenue Service, Chinyorwa 2015-87 Cherechedza 2015-87.
> United States Dhipatimendi reMabasa, FMLA (Mhuri uye Mushonga Wekurapa).