Ukwakha Iphakheji Yemihlomulo Yempilo Yengqondo Yabasebenzi
Ukugula Kwengqondo Kubiza Wonke Umuntu
I-National Institute of Health Mental ibika ukuthi ukugula kwengqondo okukhulu kubiza i-US okungenani $ 193 wezigidigidi ngonyaka, nje kuphela ekulahlekeni okuzuzwa ngabagulayo. Ukubambisana Kwendawo Yomsebenzi Yempilo Yengqondo kanye ne-American Psychiatric Foundation, icebisa ukuthi kubiza izinkampani $ 44 billion ekukhiqizeni okulahlekile ngenxa yokucindezeleka okungaphenduliwe emsebenzini.
Uma ukugula kwengqondo kushiywe kungalawulwa, kungabangela ukubhekana nezingozi eziningi ezihlobene nomsebenzi, ezifana nezingozi ezikhulayo, izicelo zokukhokhelwa kwabasebenzi, ukukhubazeka , ubudlova basekhaya, ngisho nezicelo zokuhlukunyezwa nokubandlululwa - izimo eziye zaba sobala ezweni lanamuhla.
Yenza umqondo omuhle wezebhizinisi, ngakho-ke, ukunikeza izinzuzo zomsebenzi wezempilo yengqondo ezisebenzayo. Ochwepheshe bacebisa ukuthi ukungenelela kwangasese kuyisihluthulelo sokunciphisa izindleko kanye nezigameko zokugula kwengqondo okukhulu kwabasebenzi.
Ngokufanayo, ukungenelela kwangaphambili kuboniswa ukuhlinzeka ngomphumela omuhle kunazo zonke kulabo ababhekana nanoma yiluphi uhlobo lokugula kwengqondo. Uma ukugula kwengqondo kushiywe kungaphathwa kabi noma kungatholakali, noma uma abasebenzi benqunyelwe ukufinyelela kokukhethwa kokwelashwa, abazitholi ngokwabo - futhi lokhu kungalimaza ibhizinisi lakho ngokuhamba kwesikhathi.
Ukuguqulwa Kwezempilo kanye Nokuvikelwa Kwempilo Yengqondo Ngumthetho
Ngaphansi koMthetho Wokunakekelwa Ongathintekayo, kusukela ngo-2014, wonke amaphrojekthi wezokwelapha ezizimele nezomuntu ngamunye kufanele anikele okungenani ubuncane bokubheka ukuhlolwa kwezempilo yengqondo, amasevisi okusebenzisa izinto zokusetshenziswa, nokunakekelwa kokuvimbela. Lesi sidingo sisezinhlelo zezokwelapha ezithengwa ngezimakethe zezwe.
Ukwengeza, iqembu lizuze izinhlelo ezingenakuphika ukuhanjiswa kunoma ubani ngoba banomlando wokugula ngengqondo. Ukuvikelwa okudingekayo ngaphansi kwe-MHPAEA kudinga abaphathi bepulani ukuthi baphathe ukugula kwengqondo ngaphandle kwemingcele, njengenqubo yokugunyazwa yokuvuma inqubo yokuhlinzwa. I-Medicare ne-Medicaid nayo inikeza ukuhlinzekwa okuyisisekelo kwempilo yengqondo nokuphathwa kabi kwezidakamizwa.
Le mithetho isiza ukuvikela abathengi bempilo yengqondo ukuthi bangabandlululwa ngabahlinzeki bomshuwalense wezempilo futhi basekele labo abanemali enganiselwe ukukhokhela izinsizakalo , kodwa kusekhona izinkinga eziningi zempilo yengqondo ukuze abanye abasebenzi bavume ukuthi badinga usizo.
Ngisho nokusebenzisa imithi yokwelashwa kwengqondo kungabhekwa njengenkinga ngabanye, uma imithi idala imikhawulo ekusebenzeni komsebenzi ukwenza umsebenzi wakhe. Isibonelo, imithi ebangela ukugaya ukuvimbela ukusebenzisa imishini ethile noma izimoto zenkampani yokushayela.
Ezinye izithiyo ezingase zibe khona ekutholeni usizo zifaka umsebenzi olahlekile wokuqokwa kwamakhemikhali , noma ukuthatha ikhefu elingakhokhelwa ukuqedela uhlelo lwezinsuku ezingu-90 zokwelapha izidakamizwa.
Ngaphandle uma kukhona uhlelo lomshuwalense omuhle olukhona ukusiza ukulahlekelwa izindleko zokunakekelwa kwezempilo yengqondo kanye nabaqashi benza ingxenye yabo ukufundisa abasebenzi ngezinzuzo zabo ezikhona; Izisebenzi eziningi zihamba ngaphandle ngaphandle kokuba zizitholele esibhedlela ngenxa yokwehla okukhulu. Abanye bangase bathathe imithi yokwelapha ngendlela yezidakamizwa ezingekho emthethweni, utshwala, nokuziphatha okubi. Ezindaweni zokusebenza, ukugula kwengqondo okungatholakali nokungaqondakali kubonakala ngendlela abantu abahlobana ngayo nabasebenza nabo kanye namakhasimende. Kungabhidliza amaqembu nezinkampani ngaphandle. Kungabangela abasebenzi abavamile ukuthi babe abasebenzi abayingozi.
Ngenxa yalezi zizathu nokuningi, noma yiliphi ibhizinisi lingakwazi ukuzuza ngokuhlinzeka ngezinzuzo zezempilo ezingokwengqondo ezivulekile ezisebenzayo.
Abaqashi abazisa abasebenzi babo futhi bafuna ukubonisa lokhu bangabanikeza kalula izinzuzo zempilo yengqondo nganoma yisiphi isikhathi sonyaka, ngabe uhlelo lomshuwalense wezempilo luhlanganisa lokhu ukunakekelwa noma cha.
Ukwakha Iphakheji Yempilo Yengqondo
Nanka eminye imibono yokuthola uhlelo losizo lwezempilo yengqondo endaweni futhi uqinisekise ukuthi abantu banokufinyelela ezinsizeni abadinga ukuhlala kahle.
Ukusungula Uhlelo Lokusiza Abasebenzi
Kungumqondo omuhle ukuthola uhlelo losizo lokuqashwa lwakhiwe ngokushesha ngangokunokwenzeka enhlanganweni yakho. Lokhu kungadla ama-pennies kwi-dollar kumsebenzi ngamunye, kodwa inani likhulu. Ama-EAP ahlinzeka ngokuqondile ezifundweni eziyimfihlo ezingasiza abasebenzi nganoma yikuphi ukukhathazeka okungase kubangele ukucindezeleka - kusukela ezindabeni ezihlobene nomsebenzi ezinkingeni zomndeni nokugula kwengqondo. Abasebenzi bangaqondiswa ngezikhathi zokweluleka, noma bangakwazi ukuthola ukwelashwa kwesikhashana; eholwa yiqembu le-EAP. Funda kabanzi mayelana nezinhlelo zosizo lwezisebenzi lapha.
Setha i-24/7 Umhlengikazi Oholwayo
Okunye okukhethwa kukho ukuwusebenzisana nomdayisi we-inshuwalense yezempilo ukuze uhlinzeke abasebenzi base-24/7 abahlengikazi kanye namalungu omndeni wabo. Lokhu kungaba yindlela yokuqinisekisa ukuthi abasebenzi bahlale benempilo lapho bengathola khona usizo uma beyidinga kakhulu. Bangathola imibuzo yezempilo nempilo yezokwelapha baphendule ukucacisa ukuthi ngabe ukunakekelwa kokulandelwa nomhlinzeki wezempilo yengqondo kuyadingeka noma uma kuvakashiwe ekamelweni eliphuthumayo kuyadingeka.
Khetha Ipulani Yomshuwalense Wezempilo Ngezinzuzo Zempilo Yengqondo
Njengoba kuphawuliwe ngenhla, i-ACA idinga izinhlelo zomshuwalense ukunikeza izinga eliyisisekelo lokuhlinzeka ngempilo yengqondo, kodwa lokhu kunganciphisa cishe. Abasebenzi asetshenziselwa izinhlelo zokunakekelwa kwezempilo eziphakeme kakhulu bangase bangaboni ukubaluleka kokusebenzisa umshwalense wabo ukukhokhela ama-counseling sessions - esikhundleni sokulondoloza ama-dollar abozokwelapha esibhedlela esikhulu noma izinqubo ezihleliwe. Njengomqashi, thola izinzuzo zomsebenzi ezihlinzekwa ngaphezu kwe-average health cover coverage futhi unikeze i-akhawunti yokulondolozwa kwempilo ukukhipha izindleko zephaketheni uma kuhlangene ne-HDHPs.
Khetha i-Contact Yokusingatha Ukuxhumana Kwempilo Yengqondo
Abasebenzi bangakwazi noma bangakhululekile ukuxoxa ngezinselelo zabo zempilo yengqondo nomphathi, noma ngisho namalungu omndeni wabo. Yingakho yonke indawo yokusebenzela kufanele ibe nomsebenzi oyedwa oyisisetshenziswa somuntu oqeqeshwe ku-coaching intervention futhi usungule amahora okuvula amahhovisi okuxoxa ngezinto ezinjalo ngasese. Ngokuvamile, izimo zingasetshenziswa ngokudluliselwa kumhlinzeki wezempilo yengqondo, noma ngokuxazulula noma yiziphi izinkinga ngokusebenzisa i-EAP. Yazi kahle izinzuzo zempilo yengqondo ezitholakalayo ukuze umsebenzi angathola usizo olufanele ngesikhathi esifanele.
Setha Uhlelo Lokunikezwa Kwezisebenzi Ngabanikezeli Bendawo
Enye indlela ewusizo kakhulu futhi eyamukelwayo yokuthuthukisa indawo yokusebenzela esekela kakhulu abasebenzi abhekana nezinselelo zempilo yengqondo ukusebenzela nabathengisi bezempilo ukuba basuse izinsizakalo zabo. Isibonelo, ukucindezeleka okungaphethwe isikhathi eside kungabonakalisa ukucindezeleka, ngakho-ke ukutholakala nomuthi we-massage ongasiza ekunciphiseni ukucindezeleka kungaba inzuzo enkulu. Ukudla okunempilo nokuzivocavoca okuyizinto ezibalulekile ezingxenyeni zempilo yengqondo, ngakho ukudala ukutholakala kwemithombo yomzimba yendawo kanye nokwelulekwa kokudla kungaba yinto ehle kakhulu.
Hlela iMfundo YezeMpilo Yengqondo Nezinsiza Zezinsiza
Mhlawumbe ukuhlanganisa okubaluleke kunazo zonke kunoma yiliphi iphasela lezinzuzo zomsebenzi lapho lihlobene nempilo yengqondo ukufinyelela ulwazi olunembile nolusifike ngesikhathi. Uma isisebenzi sibhekene nenkinga, angeke aqonde ukuthi angayithola kanjani izinzuzo zezokwelapha, noma ngubani ozocela usizo.
Ngakho-ke, wonke umtapo wolwazi kufanele ubandakanye izinto eziningi zemfundo ngendlela yezincwadi zokuzisiza, amashidi okuthola izinzuzo, kanye nezinkomba zempilo yengqondo yasendaweni nabahlinzeki bezokwelapha. Ukuphathwa kungase kusekele ukukhulumisana ngokukhuphula ukubaluleka kwempilo enhle jikelele futhi kugweme ukuphatha abanye ngendlela ehlukile ngoba kungenzeka bebhekene nokugula kwengqondo.
Ekuvaleni, zonke izinhlelo zokuhlomula zabasebenzi zidinga ukwakhiwa ngokuzungezile inhlalakahle yabasebenzi, kusukela enhloko kuya emlenzeni. Abasebenzi bangase bangabonakali izimpawu zokugula ngengqondo ngaphandle, kodwa bangase baphelelwe umsebenzi njalo, babonakale becasuliwe, noma bavele bayeke ukuzenza emazingeni abo angaphambilini. Ukugula kwengqondo ukukhubazeka okuvikelwe ngaphansi kwemithetho yokusebenza, ngakho-ke ungalokothi usebenze isisebenzi esinjengalokhu. Esikhundleni salokho, unikeza ukufinyelela kolwazi lokuzikhethela kanye nezinsiza ukuze abasebenzi bakwazi ukuthola usizo abadingayo ukuze bahole izimpilo ezigcwele.