COBRA Inowedzera Mubhizimisi weInishuwarenzi Inoshandiswa
Sangano re Consolidated Omnibus Budget Reconciliation Act, iro rinozivikanwawo seCOBRA, rinoda kuti vashandi varambe vachipa hutano kana hutano hwehutano kuvashandi kana mhuri dzavo mushure mimwe zviitiko zvakakodzera. Izvi zvishoma zvishoma zvekuparidzira zvinogona kupa nguva kutamira kune chirongwa chitsva chekuchengeta utano.
Chii COBRA?
Kana iwe uchisiya basa rako uchizvidira kana wakagumiswa nokuda kwezvikonzero zvimwe kunze kwekukanganisa kwakakomba, iwe unogona kuwedzera kuparidzira kwako kusvika kumwedzi 18, uye kwemwedzi gumi nemana kana wakagadzikana.
Izvi zvinoshanda zvakare kana maawa ako omubatanidzwa akaderedzwa kusvikira paanenge usisakwanisi kubhadharwa nehutano hwehutano hwehutano. Wawakaroorana naye kana vana vanogona kupfuurira kugoverwa kwemwedzi 18 zvakare kana pane chiitiko chechipiri chinofanirwa, zvakadai sekurega kwako, kurambana, kana kufa.
Iko kune zvimwe zvidzidzo zveCOBRA uye zvinangwa zvevashandi. Somuenzaniso, COBRA inoshanda chete kuvashandi vane 20 kana kupfuura vashandi. Vanogona kunge vari vega vashandisi vehurumende, masangano evashandi, kana vashandi vehurumende kana vehurumende. Tsvaga mamwe mashoko pamusoro pevashandi vekushandira nemitemo pawebsite yeCOBRA yeDhipatimendi reBasa reUnited States.
Mune dzimwe nyika, pane kuenderera mberi kwehurumende kwehuwandu hwevashandi vanoshandira makambani maduku uye havawanikwi neCOBRA.
Nzira Yokushandisa Sei COBRA Coverage
Paunenge wakagadzirira kusiya basa rako, wako waunoshandira anofanira kukupa ruzivo rweCOBRA runosanganisira matanho aunoda kutora kuti uwedzere kugovera kwako mushure mokusiya basa rako.
Kana usina kugamuchira ruzivo urwu mukati memazuva gumi nemana, taura nehurumende yeHAR yako uye uvakumbire kuti vakupe iyo.
Iwe une mazuva makumi matanhatu kuti usarudze kana kana usingaenderera mberi nekugoverana kwako neCOBRA. Izvi zvichakupa nguva yekuona kuti zvimwe zvipi zvingawanikwa. Iwe hauzove nemapapanhi ekuvhara pasi pasi pepurogiramu yako yekare chero bedzi iwe uchiita chisarudzo nezuva 59.
Iwe uri mutoro wemishandira yako yeCOBRA inoshanda panguva iyoyo. Kubhadhara kwako kweCOBRA kuchagadziriswa kare saka inosanganisira chero zvipiro zvekurapa zvawakaita munguva iyoyo.
Iva nechokwadi kuti haufaniri kupfuura nepawindo remazuva 60 usingashandisi imwe chirongwa chekuchengeta utano. Iwe unogona kudiiza kuzadza chirango chacho nehutano hwehutano hwehutano kwenguva pfupi kana iwe wakamirira mushandi wehutano inshuwarisi kuti uite. Medicaid inogonawo kuva iyo nzira yako.
Your Coverage Under COBRA
Kana iwe ukashandisa mukana weCOBRA, chirongwa chekugovera chaunenge uine icho ndicho chawaiva nacho panguva yechiitiko chakakonzera kurasikirwa kwako kwehutano hwevashandi. Izvo chirongwa pachacho hachizoshanduri kunze kwokusarudza hurongwa hutsva apo nguva yekunyora yakazaruka inouya.
Uine inshuwarisi yehutano yakafanana sezvawakamboita, iwe haufaniri kuchinja madhigiri uye iwe uchange uine mari imwecheteyo, kubviswa , uye zvipo zvaunoshandiswa kubhadhara.
Mutengo weCOBRA Coverage
Vashandi vanobvumirwa kukubhadharai, avo vekare vashandi, 102 muzana yemari yavo ye inshuwarisi. Zvechokwadi, 100 kubva muzana inotora mari yavanoshandisa kuti ikusimbisei. Izvo zvinopfuura 2 kubva muzana zvinotakura chero hutungamiri huripo iyo mushandirwi anofanira kutora kutarisira mapepa.
Imwe kukakavara ndeyokuti kana uri kuwana kuwedzerwa kwemwedzi gumi nemana kwekuremara kwekuremara kwekugoverwa, mubayiro wako mumwedzi iyo yakawedzerwa inogona kusimudzirwa kusvika 150 muzana yemari yeurongwa wehutengo hwekugovera.
Vashandi vanowanzoshamisika pane izvo zvigadzirwa zveCOBRA zvichavatengesa. Kazhinji, mari yako yepamusoro pawakashanda yaiva chikamu chehutano hwako hwehutano inshumo mari apo waunoshandira aibhadhara chikamu kana kuti mari yose. Iye zvino iwe uchatakura mari yose.
Zvinosuruvarisa, sekudhura kwakafanana nehuwandu hweCOBRA hunogona kuonekwa, huchave huchiri kukwereta iwe pasi pehutano hwehutano inshuwarisi. Enzanisa zvikwereti uye kugoverwa kuti uone kuti ndiyo sarudzo yakanakisisa.
Iwe unogona kunge uine mari yakaderera-yekutengesa kuburikidza nemumwe munhu wekutengesa maruva.
Kureba kweCOBRA Coverage
Muzviitiko zvakawanda, uyo aimbova mushandi kana nhengo yemhuri angachengetedza inshuwarhu yehutano yeCOBRA kwemwedzi 18 shure kwekupedzisira kwekushanda. Kana munhu akafukidzwa kuburikidza neCOBRA anove akaremara, zvino zvikomborero zvingawedzerwa kwemwedzi gumi nemana. Zvikwata zvekutanga zvichawedzera nokuda kwekuwedzera.
Cherechedza kuti kana iwe uchinge uchitadza kubhadharwa kwemwedzi weCOBRA, iwe ucharasikirwa nekugoverwa uye iwe haugone kuzviwana. Chirongwa hachifaniri kutumira iwe mushumo, saka iwe unoda kuve nechokwadi kuti iwe unotora chikwereti chako.
Nhengo dzemhuri (muwani kana kuti mwana anovimba) anogona kuwana mwedzi wemwedzi 18 kana pane chiitiko chechipiri chakakodzera. kuunza huwandu hwehuwandu hwekuparidzira kusvika kumwedzi 36. Izvi zviitiko zvaizova rufu rwevashandi vakavharidzirwa, kurambana kana kuparadzana kwepamutemo, Medicare inokodzera mune mamwe mamiriro ezvinhu, kana kurasikirwa nehutano hwevana pasi peurongwa. Chiitiko chechipiri chinofanira kunge chakange chave chichiita kuti avo vanofanirwa kubhadhara kurasikirwa pasi peurongwa kana chiitiko chekutanga chakanga chisati chaitika.
Nzira Yokugadzirira Sei Mugumo Wako COBRA Coverage
Apo iwe uchiri kuvharwa pasi peCOBRA, chengetedza mutengo weurongwa hutsva hwehutano inshuwarheni iwe unogona kutamira kusvika kana kupera kwako kweCOBRA kuchipera. Iwe unogonawo kutsvaga kuongorora kana iwe zvino unokodzera Medicaid .
Kana iyo yakagadziriswa Care Act Health Health Insurance Marketplace inowanikwa kwauri, chengetedza zuva rekunyora kusununguka. Iwe unogona kunyora panguva iyo pose painoitika apo iwe wakafukidzirwa neCOBRA. Iwe uchave wakakodzero kunyoresa kuMusika pamagumo eCOBRA yako inobatsira, sezvo ichi ndicho chiitiko chakakodzera. Zvisinei, cherechedza kuti kuchinja muAne Affordable Care Act kuchaita sarudzo iyoyo uye iwe unofanira kutarisa kuona kana ichiripo.
Shoko Rinobva
Tarisiro yekurasikirwa neshuwarisi yehutano kana basa rako richichinja rinogona kunyanya kunetseka, kunyanya kana iwe uri pasi pekurapa kwechiitiko kana iwe unoda kuvimbisa kuti mhuri yako inobatsirwa neutano. Ongorora zvaunogona kuita uye uzive kodzero dzako. Kuchinja kune mitemo yekutarisira hutano kunogona kuitawo zvisarudzo zvaunenge uine zvimwe kunze kweCOBRA.
> Sources:
> Muongorori wevashandirwi kuHutano Hwehutano Pasi COBRA. United States Department of Labor. https://www.dol.gov/agencies/ebsa/about-ebsa/our-activities/resource-center/publications/an-employees-guide-to-health-benefits-under-cobra.pdf.
> Murayiridzi weAvashandi kuGadzira Kuenderera mberi kwehutano hwehutano pasi peCOBRA - The Consolidated Omnibus Budget Reconciliation Act ya1986. United States Department of Labor. https://www.dol.gov/sites/default/files/ebsa/about-ebsa/our-activities/resource-center/publications/an-employers-guide-to-group-health-continuation-coverage-under- cobra.pdf.