Sei Kugoverana Mashoko Aya Hausi Ose Anodiwa Nguva Dzose
Zvakajairika kuti vatapi vezvehutano vakubvunzei nhare yenyu yekuchengetedzwa kwevanhu kana uri kutsvaga kurapwa. Muzviitiko zvakawanda, vanhu vanozviita vasina kunyunyuta, asi zvinonyatsokosha panguva iyo ngozi yekuzivikanwa yakakwirira yakakwirira here?
Kunzwisisa FTC Red Flag Rule
Ichokwadi ndechokuti, kusvikira munguva pfupi yapfuura, vatapi vehutano vakawira pasi pezvinozivikanwa seFTC Red Flag Rule.
Mutemo wakagadzwa muna 2007 neU.S. Federal Trade Commission (FTC) senzira yekudzivisa kushandiswa kwekuzivikanwa nekuda kuti vose vanokwereta vatore nhamba dze Social Security nezvimwe zvikamu zvemashoko evanhu. Vanachiremba nevamwe vadzidzisi vehutano vaiva pakati peavo vaifanira kuteerera nekuda kwehuwandu hwekuwedzera kwehutano hwekuvhara .
Nenguva pfupi paya payo, chirevo chacho chaipikiswa nevarapi vehutano vakapikisa kuti havafaniri kuonekwa sevakwereti nenzira imwechete iyo kadhi rechikwereti kana makambani ekubhadhara mari. Yakanga iri gakava rakazobhadhara. Pasati papera gore mushure mokunge mutongo wacho waitwa, Congress yakasarudza kugadzirisa mitemo uye kubvisa vashandi vehutano kubva pane zvakarongwa.
Sezvo zvakadaro, apo vanachiremba vangave vachiri kukumbira nhamba yako ye Social Social Security, haisi pamhedziso yemutemo asi pane chirevo chehofisi yechiremba pachako.
Chikonzero nei Madhichi Anoda Social Security Numeri
Vanachiremba vanobvunza Social Security Numbers nokuda kwechikonzero chimwe uye chimwe chikonzero choga: chivimbiso chekubhadhara.
Chinhu chakanaka ndechekuti vanhu vakawanda muUnited States havabhadhari mabhiriro avo, uye vanachiremba vanowanzoshaya zvishoma kana vasingakwanise kutarisa munhu iyeye pasi. Sezvo imwe yenyika yose inozivikanwa yevanhu vose veAmerica, nhamba dzekuchengetedzwa kwehupfumi dzinopa vanachiremba chekupedzisira-tsanga zvinoreva kuunganidza pane chikwereti kana munhu akakwira uye achinyangarika.
Izvo hazvisi sechinhu chiduku chechinetso sevamwe vangafunga. Maererano nemushumo unobva kuAmerican Hospital Association, mari inodarika madhora mabhiriyoni makumi mana emadhora muzvipatara zvechipatara haibhadharwi gore negore. Izvi hazvirevi maitiro ega ega madhigirii kana mamwe maitiro eusingaregi kutarisirwa. Icho chinetso chakakomba chinongoshanda kuendesa mberi mari yekuchengetedza utano munyika yose.
Uyezve, hazvisi kungovachiremba vari kukumbira nhamba idzi. Medicare, Medicaid, Veteran's Administration, uye TriCare zvose zvinoda Social Security nhamba kuitira kuti ishandise zvikumbiro zvekubhadhara. Yakava tsika yakajairika muUnited States uye imwe iyo varwere vose varipo asi vanomanikidzwa kuita.
Sei Usingadi Kugovana Nhamba Yako?
Kubva pamugumo wevatengi, hazvisi zvisinganzwisisiki kuva nehanya nekugovera yako Social Security nhamba nemumwe munhu, kunyange chiremba wemhuri anovimbwa. Gore roga rega, vanhu vanopfuura mamiriyoni maviri vanobatwa nehutano hwekurapa muUnited States, kazhinji nokuti munhu Social Security uye inshuwarisi mashoko haagoni kunyatsogadziriswa nechipatara .
Kana iwe uchinzwa usina kunetseka pamusoro pekugovera yako Social Security nhamba, pane mikana yese chiremba wako achakuudza kuti chinodiwa nemutemo (haisi) kana kuti vanochida kuti vawane mubhadharo.
Kana iwe uine inshuwarisi, izvi hazvisizvo zvakare
Pakupedzisira, kana hofisi ichibvuma urongwa hwehushuwarisi yako, kambani ye inshuwarisi inenge iine yako Social Security nhamba pane faira. Pasi peFTC Red Flag Rule, vatsigiri vehutano vanofanirwa kutora mashoko aya uye vane nzira yekukuwana kana iwe usina kukwana pane kubhadhara.
Kune rumwe rutivi, kana iwe usina inshuwarisi uye usingabhadhara mari mberi, zvingava zvine musoro kune chiremba kuti akumbire. Kunyange uchiri kukwanisa kuramba, saka chiremba anogona .
Pasi pemutemo, vanachiremba havagoni kubata munhu nokuda kwemadzinza, rudzi, kana zvechitendero. Uyewo hapana chiremba anogona kusarudza kubva pane zvepabonde remunhu kunze kwekuti hutano hwakakosha kune chiito chechiremba.
Kunze kweizvi nzvimbo dzakachengetedzwa, vanachiremba vane ruzivo rwakakura mukuramba kugamuchira vanhu sevarwere. Izvi zvinosanganisira mazano avo ekubhadhara.
Zvaunogona Kuita
Kana iwe uri panzvimbo apo iwe usingadi kugovera yako Social Security nhamba asi uchiri kuda mazano echiremba, pane zvinhu zvakawanda zvaungaita:
- Bvunza maneja wehofisi kuti adane FTC pa 877-FTC-HELP (877-382-4357) kana vakanganisa kutenda kuti inotarisirwa nemutemo.
- Bvunza kana pane zvimwe zvikamu zvemashoko vangazvigamuchira munzvimbo yako ye Social Social number.
- Ipa kuti ubhadhe mari kare.
Pakupedzisira, unofanira kuongorora zvisarudzo zvako uye usarudze kuti chii chinonyanya kukosha kwauri: mazano echiremba kana kodzero yako yehupfumi . Icho chisarudzo chete iwe unogona kuita.
> Sources:
> American Hospital Association. "Kusabhadharwa Kwechipatara Kuchengetedza Zvokudya Zvakadhindwa." Chicago, Illinois; yakabudiswa munaJanuary 2013.
> American Medical Association. "Dzivirira varwere vako, chengetedza tsika yako: Zvaunoda kuziva pamusoro peRupe Flags Rule ." Chicago, Illinois; yakabudiswa muna 2011.
> HIPAA Journal. "Ponemon Institute Inotsanangura Chidzidzo cheChipiri Chegore Negore Pamusoro Yezvokurapa Kuzivikanwa Kwokuba." Sherman Oaks, California; yakabudiswa February 23, 2015.