Kufanirwa Zviitiko Zvinotanga Nguva Yokunyora Inokosha
Nguva yekunyora inokosha nguva iyo iwe unobvumirwa kuchinja kuhutano hwehutano hwehutano kunyange zvazvo isiri nguva yekunyora yakazaruka .
Kazhinji, haubvumirwi kusainira inshuwarisi yehutano kana kuita chero hurongwa hwehutano hunochinja kunze kwegore rekunyora kusvhurwa. Zvisinei, zvimwe zviitiko zvinokodzera zvinotangira nguva yakanyoresa yakakurega kuti iwe uite shanduko kwenguva pfupi mushure mekuita chiitiko.
Kana iwe usingaiti kuchinja kwakakodzera kuhutano hwako hwehutano panguva yekunyora kwakanyanyokosha, iwe unofanira kumirira kusvika panguva inotevera yokunyora kuzarura kuti uite chero shanduko.
Nguva yekunyora yakakosha inowanzokupa mazuva makumi matatu ekunyora muurongwa wakapiwa neunoshandira (kana kuwedzera vanovimba neurongwa wako hunobhadharwa). Asi nokuda kwezvirongwa mumusika mumwe nomumwe, nguva dzekunyoresa dzinowanzogara kwemazuva makumi matanhatu, kunyange zvazvo vamwe vachigara kwemazuva makumi matanhatu mushure mokunge uye mushure mechiitiko chakakodzera.
Ndezvipi Kufanirwa Zviitiko Zvinotanga Nguva Yokunyora Inokosha?
Zvinhu zvinoshandura hukuru hwemhuri yako kana kukuita kuti urasikirwe nehutano hwehutano hwehutano hungaita kuti utange nguva yekunyora inokosha. Mienzaniso inosanganisira:
- Kurambana kunokusiya iwe usina kuvimbiswa
- Kuroora
- Kuberekwa kwemwana
- Kubvuma mwana
- Rufu rwemumwe wako rinosiya iwe usingabatsiri
- Kurasikirwa kwehutano hwehutano hwehutano hwemumwe wako
- Kurasikirwa kwebasa rako-based health health inshuwarisi
- Kuderedza mubasa rekushanda kunokuita ineligible kune inshuwarhu yehutano
- AAkodzera Kurapa Vana Kutsigira Mutemo
- Iwe unofamba kunze kwehuwandu hweHMO
Kufanirwa Zviitiko Zvakafanana Asi Hazvifananidzi MuMusika Wega
Musati gore ra2014, zviitiko zvinokodzera uye nguva dzekunyora dzakashandiswa mumakethe emapoka (kureva, basa-based-inshuwarisi) uye yeMedare, asi kwete pamusika mumwe nomumwe.
Kwakange kusina nguva yokunyora yakasununguka mumusika mumwe nomumwe pamberi pegore ra2014, nokuti zvirongwa zvehutano zvakanga zvisingawanikwi nharo panguva ipi zvayo yegore mumatunhu mazhinji-saka pakanga pasina chido chekunyora kwenguva yakakwana; vanhu vakangoshandisa, uye vakagamuchirwa kana kuti varambidzwa nevanishuwarenzi vatakuri.
Asi izvozvo zvakachinja neAne Affordable Care Act. Iko kese yemakethe iye zvino ine nguva dzakanyora dzekunyora sekuita saanoshandisa-inotsigirwa nehushuwarisi yemusika . Izvo zvakafanana zvikuru nezviitiko zvinokodzera zvinotanga nguva dzekunyora dzakakosha kune vashandisi-vanotsigirwa inshuwarisi uye Medicare kugoverwa, asi pane zvimwe zvakasiyana. Kana uri kutenga inshuwalhu yehutano mumusika wega wega (iwe kana kuti uri kure-kushandiswa), iva nechokwadi chokuti unonzwisisa kuti zviitiko zvinokodzera zvinoshanda sei pane zvirongwa zvega .
Uye sezvakataurwa pamusoro apa, ramba uchiyeuka kuti zviitiko zvinokodzera zvinokupa mazuva makumi matanhatu kuti uzvinyore kana kuchinja kuurongwa mumusika mumwe nomumwe, asi kazhinji mazuva makumi matatu chete ekunyora kana kuchinja kuurongwa hunopiwa nemushandi.
Nguva Yokunyora Inokosha Inoshanda Sei?
Heano muenzaniso:
- Melissa, Ken, nevana vavo vashanu vane inshuwarhu yehutano kuburikidza nebasa ra Ken. Melissa anoshandawo. Basa rake rinopa inshuwarisi yehutano kwaari asi kwete kune vanovimba naye. Munguva yekupedzisira yekunyorwa kwakapera, Melissa akadzikisa mukana wekuwana inshuwarhu yehutano kuburikidza nebasa rake nokuti zvakanga zvisingadhuri kuzvifukidza nemhuri yeurongwa kuburikidza nebasa raKen.
- Maawa aKen anotemwa kusvika kune imwe nguva-nguva. Vashandi venguva-pfupi havawani hutano hwehutano hwehutano apo Ken anoshandisa. Mhuri yose inorasikirwa nehutano yveshuwarisi. Izvi zvinokonzera nguva yakanyoresa yaMelissa's-based based inshuwarisi yehutano uyewo nguva yakanyora yokunyora pahutano hwehutano inshuwarano muMelissa uye Ken.
- Melissa ane nguva yekunyora kwemazuva makumi matatu ezuva kuti azvisayirire kune inshuwarhu yehutano pamabasa ake kunyange zvazvo aimbove avhara iyo inshuwarisi. Kana iye asina kuita mumazuva makumi matatu, haazombokwanisi kusainika kubasa rake kusvikira nguva yaanotevera yekushanda yakasununguka.
- Mushandi waMelissa haatauri mhuri, saka Ken nevana vachawana hutano hwehutano muhutano hwehutano hwehutano hwavo. Vane mazuva makumi matanhatu ekuverengwa kwepamusoro ekunyora iyo inshuwarano yehutano. Kana vasina kunyora mumazuva makumi matanhatu iwayo, havangave nemumwe mukana wekunyora muhutano inshuwarhu kuburikidza nehutano hwehutano hwehutano kushandiswa kusvikira gore rinotevera rekunyora kusvitsa.
Apo Ken nevana vari kunyoresa inshuwarhu yehutano muhutano hwavo hwehurumende, vanogonawo kushanda kuti vabatsirwe mari yepamusoro . Kana ivo vakakodzera, mari inobhadharwa ichabhadhara chikamu chemishonga yavo yemainishuwarensi yehutano hwemwedzi. Uye sezvo vasina kukodzera kubhadharwa kuburikidza nemushandi waMelissa, kubwinya kwemhuri hakushandisi (chinyorwa kuti kana Melissa akashanda nguva yakazara kune mushandirwi ane makumi mashanu kana kupfuura vashandi, ruzivo rwakapiwa kwaari rwaizofanira kubvumira vanovimba kuti vanyora, asi hapana chikonzero chokuti vashandi vehupi hupi hukuru hupi hupi hupi hwekugovera kune vakaroorana).
> Sources:
> Cornell University Law School; 29 CFR 2590.701-6 - Nguva dzekunyora dzinokosha.
> Cornell University Law School; 45 CFR 155.420 - Nguva dzekunyora dzinokosha .