Iwe une hutano hwehutano nekuremara kuburikidza nemushandi wako here? Ungagona here kupindura mibvunzo yakazara pamusoro pehutano hwako nekuremara? Zvakakosha kuti iwe uzive uye unonzwisisa zvose zvino, pasina kumirira kusvikira unoda kuzvishandisa. Kana uine arthritis uye uri kuramba uchishanda , zvikomborero zvako zvakakosha sekubhadhara kwako.
Gare gare, kana iwe ukarega kushanda, unogona kukodzera kuHuman Security Disability Benefits , asi ikozvino, tirikukurukura zvaunofanirwa kuburikidza nemushandi wako.
Kukodzera kweHumhuriro Hwokuremara
- Iwe unoda kuchengeta imwe nhamba yeawa rakarongwa kuti urambe uchikwanisa kuwana hutano hwehutano nekuremara here?
- Chii chinoitika kumararamiro ako ehutano nekuremara kana iwe uchichinja kubva panguva yakazara kuenda kune imwe nguva yemahara?
Haufaniri kunetseka pamusoro peizvi? Kungofunga kuti iwe wakavharwa here? Funga futi.
Heano muenzaniso - Munhu aive neHure-Term Disability (LTD) inobatsira sevashandi venguva yakazara. Pamusana pehutano hwehutano, munhu wacho akachera maawa avo kuti awane nguva, achida kudzokera kuhutano hwenguva yakazara apo mamiriro avo ehutano akavandudzwa. Mamiriro avo haana kuwedzera, kumanikidzira munhu kuti asiye basa rake. Nemhaka yokuti vakasiya kubva pachigaro chechikamu chemaawa, vakanga vasina kodzero ye LTD. Munhu wacho akazova asingabvumirwi ne LTD pavakapinda mune imwe nguva, kunyange zvazvo vakashanda kwemakore akawanda sevashandi venguva yakazara.
Kutaura nezvemari-mari, zvingave zvakakosha zvikuru kurega kubva panzvimbo yekugara kwenguva yakazara apo LTD inobatsira.
- Ko iwe waunoshandira anopa chirongwa cheScard-Disability Plan (STD) kana kuti Long-Term Disability (LTD) chirongwa chekubatsira?
- Ndeupi mupiro wevashandi unoda iwe kuti uve neSDD kana LTD?
- Ndeupi muzana wemari yako yaunoramba uchitora munguva yako yekuremara, uye kwenguva yakareba sei?
Vanhu vanoshanda uye vanoita kuti zvirwere zvisingabatsiri, zvakadai se rheumatoid arthritis , inofanira kunyanya kunyatsoteerera zvakadzama zvezvavanobatsira. Zviitiko-kuchinja upenyu zvinoitika. Zvakakosha kuziva kuti kuchinja kwaunoita mumamiriro ako emabasa kunogona kuita kuti iwe uwane kodzero yehutano nekuremara. Izvozvo hazvirevi kuti kuremara hakudziviriki nehutachi hutachiona, asi kana zvichifanira kunge mune ramangwana rako, iwe unoda kuvharwa.
Ndiro Mutoro Wako Kuziva Zvekare
Iwe unogona kunge uine mibvunzo yakawanda pamusoro pebasa rinobatsira. Kuwana mhinduro ndeyomutoro wako. Bvunza Human Resources Manager yako yeHellow Employee Benefits Handbook kana iwe wakarasikirwa neicho chawakapiwa kwauri.
Munguva yebasa rako, zvirongwa zvako zvehutano zvinogona kuchinja. Kana hurongwa hwako hwehutano huchichinja:
- Iwe nemhuri yako muchagadziriswa sei?
- Chiremba wako achiripo pane zvakanyorwa nevatapi?
- Iko mari yako yekubhadhara yakashanduka here?
- Pane pane zvigadziriswa uye zvinokonzera kugoverwa here?
Chii Chinoitika Kumutano Wenyu Zvipo Kana Uchishandura Jobs?
HIPAA (Mutano Wehutano Inoshandiswa Kwekuchengetedzwa Kwebasa uye Kuzvidavirira muna 1996) mutemo unogona kukubatsira kuti urege kukanganiswa nezvikomborero zvaunenge uine kana iwe uchibva pane rimwe rongwa reboka kuenda kune rimwe.
HIPAA, zvisinei, inopa zvidziviriro zvishoma kana iwe uri kuchinja kubva kurongwa hweboka rehutano kune rimwe chirongwa chehutano, kana iwe usina unishuwarenzi. Maererano neHIPAA:
- Mapoka ezvehutano zveboka haagoni kukanganisa kushandira kwako zvichienderana nehutano hwako.
- Kana iwe ukashandura kana kurasikirwa nemabasa, HIPAA inogumira zvisarudzo kune inshuwarhu yehutano yehutano huripo.
- Kana ukashandura kana kurasikirwa nemabasa, HIPAA inotsigira kudzokorora uye kuwanikwa kwehutano hwehutano kuvamwe vashandi nevamwe.
- HIPAA inotaura kuti haugoni kurambidzwa kupararira nekuda kwehutano hwepfungwa, ruzivo rwemazwi, hurema, kana zvimwe zvakataurwa kare.
- HIPAA mitemo inoshandiswa kune mapoka ezvehutano eboka revarangi vese vane vashandi vaviri vanenge vari vashandi vemazuva ano, kusanganisira avo vanozvimiririra. Nyika dzave dzakapiwa sarudzo yekushandisa mitemo yeboka kumapoka e "rimwe", kubatsira vanhu vanozvidzivirira.
- Inishuwarenzi inogadzirisa haisi chokwadi kuti iwe uchava nemafaro akafanana, zvikwereti, kubhadharwa, kana kubhadhara paunofamba kubva pane imwe hurongwa hwehutano kune imwe.
- Kuwanda kwehutano hwehutano kune chikwereti, zvinoreva, hurongwa hwako hutsva hwehutano hunofanira kukupa chikwereti panguva yawakanyoresa kurongwa hwako hwekare uye uchiribvisa kubva panguva yako yekuregererwa. (Muenzaniso - kana waive nemwedzi gumi nembiri kana kupfuura kwekuenderera mberi kweboka, hauzovi nemamiriro ekutanga akamirira muurongwa hweboka rako idzva Kuti uchengetedze "kuenderera mberi" kwako hakugoni kupera mazuva makumi matanhatu.)
Chii COBRA? Ingakubatsira Sei?
COBRA kuenderera mberi kugovera kunopa vashandi nevanovimba navo vanosiya chirongwa chemararamiro eboka revashandirwi mukana wekutenga uye kuchengetedza humwe hutano hwehutano hwechikamu kwenguva yakati (kazhinji, 18, 29 kana 36 mwedzi) mune mamwe mamiriro ezvinhu. COBRA inogona kubatsira kubhuritsa gap. Pasi peHIPAA inotonga, COBRA inonzi sehutano hwehutano hwakapfuura, chero bedzi pakanga pasina kuvhara kwekuvhara kwemazuva makumi matanhatu kana kupfuura.
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