Abantu abangaqashiwe Kumele bazinqume ukuthi ngabe bayakukhokhela i-COBRA
I-COBRA ibeka imithetho ehlinzeka abasebenzi abalahlekelwa izinzuzo zabo zezempilo ngenxa yokungasebenzi, ilungelo lokukhetha ukuqhubeka nezinzuzo zezempilo zeqembu ezinikezwe uhlelo lwezempilo lweqembu.
Lezi zinzuzo zokunakekelwa kwezempilo zinikezwa nemindeni yalabo abalahlekelwa yimisebenzi yabo.
Lezi zinzuzo zokunakekelwa kwezempilo zingenwelwa isikhathi esilinganiselwe ngaphansi kwezimo ezithile, ngokusho kwemithetho ye-COBRA.
Imithethonqubo ye-COBRA ichaza ukuthi izimo ezifana nokulahlekelwa umsebenzi ngokuzithandela noma okungazibandakanyi, ukunciphisa inani lamahora umsebenzi osebenzayo, ukuguqulwa kanye nezenzakalo zokuphila ezifana nokufa, isehlukaniso, nokungasebenzi kungenza abantu bakwazi ukuqhubeka nezinzuzo zabo zezempilo ngemuva kokuqedwa.
Abantu abafanelekile bangadingeka ukuthi umqashi akhokhe lonke i-premium yempilo yomshuwalense wokunakekelwa kwezempilo kuze kube ngu-102 amaphesenti wezindleko kuhlelo.
Imiyalo ye-COBRA
Imithethonqubo ye-COBRA ithi uhlelo lwe-inshuwalense yezempilo elisetshenziswe umqashi, nabasebenzi abangu-20 noma ngaphezulu kunyaka owedlule, kumele lunikeze ukuhlinzekwa okuqhubekayo ngokusebenzisa inketho ye-COBRA.
Abaqashi kumele bazise abaphathi bezinhlelo zezempilo zingakapheli izinsuku ezingu-30 ngemuva kokuba isisebenzi sisebenze.
Hlela abahlanganyeli nabazuzi ngokuvamile bathunyelwe isaziso sokhetho seCOBRA ezinsukwini ezingu-14 kwesaziso sohlelo. Uma sekusele amasonto amabili kusukela ekuqedeni kwakho futhi ungazange uzwe lutho, sicela ushayele ucingo lomnyango wakwa-HR . Umuntu unezinsuku ezingu-60 zokunquma ukuthi ngabe ukhethe ukuqhubeka kwe-COBRA nokuqhubeka kwezempilo kanye nezinsuku ezingu-45 ngemuva kokukhetha ukukhokhelwa ukukhokha imali yokuqala.
Ingabe Kufanele Usebenzise i-COBRA?
Uma ushiya umsebenzi (kungakhathaliseki ukuthi ngokuzithandela noma ngokuzithandela) futhi ungenayo umsebenzi omusha onika umshwalense wezempilo, ungase uphendule uma kufanele ubhalisele i-COBRA. Yiqiniso, udinga uhlobo oluthile lomshuwalense wezempilo, kodwa i-COBRA ingahle ibe yindlela yakho engcono kakhulu noma ayikho.
Ngaphansi kwe-Career Affordable Act (ACA), ungafaka isicelo somshuwalense wezempilo ngokusebenzisa ukushintshaniswa komshwalense wezempilo noma wesifundazwe zingakapheli izinsuku ezingu-60 kokuphela kokuphepha kwezempilo. Futhi unezinsuku ezingu-60 zokunquma mayelana nokwamukela ukukhishwa kwe-COBRA. Kubalulekile ukuphawula ukuthi u-2017 wawungumnyaka ohlukumezayo we-Care Affordable Act. Izimpi zomthetho eCongress, ukusekelwa okuguquguqukayo kwabathintekayo bezempilo, kanye nezinsongo zokuqeda kuye kwabashiya abaningi abakhokha ababhekene nekusasa elingalindelekile.
Ngisho noma iCongress ingakaphumelelanga ekuqothulweni komthetho, abaphikisi be-ACA bazoqhubeka nokusebenzisa wonke amandla abo atholakalayo ukuze banciphise umthethosivivinywa ngo-2018 nangaphezulu. Abakhokhi kufanele balindele ukuthi izinguquko ku-ACA zizophazamisa amazinga e-premium futhi zengeze izinselelo kumakethe eminye yempilo yemakethe, ngakho-ke kufanele uhlale unake kulokhu.
Okwamanje, ungakwazi ukuqhathanisa izindleko nezinzuzo zepulani ngalinye. Uma okwamanje uthola ukwelashwa, kungase kukusize kakhulu ukuhamba no-COBRA ngakho akudingeki ushintshe odokotela noma izinhlelo zokwelapha.
Noma, uma ungajabuli, manje yisikhathi sokushintsha.
Kungakhathaliseki ukuthi yikuphi ukukhetha okwenzayo, uhlale unamathela kakhulu kuze kube yisikhathi sokubhalisa esilandelayo , noma i-COBRA iphela. Yiqiniso, uma unomcimbi wokuphila ofanelekayo, njengokushada nomuntu onakekelwa ngezempilo ongakungezela ohlelweni lwabo, ungashintsha ngaleso sikhathi. Kungakhathaliseki ukuthi uthatha isinqumo, kuyinto okumele uyenze ukubhekana nayo kuze kube yilapho uthola umsebenzi omusha ngokuhlinzeka ngezempilo.
Yenza ukuqhathanisa ngokucophelela kwezindleko. Ungase uhlasele izindleko zenyanga zonke ze-COBRA ngokuhambisana ne-ACA, kodwa hlola izinto ezinjengezidakamizwa bese uthola okulungile kuwe nomndeni wakho.
Uma ngabe usuliwe noma ususiwe, ungase ukhathazeke kakhulu ngokulahlekelwa umsebenzi ukuthi awukwazi ukuthatha isikhathi sokucabanga ngomshwalense wakho wezempilo. Ungenzi lelo phutha.
Into yokugcina ofuna ukuyenza ukuphela ngaphandle kokuthola impilo, okungenzeka uma ungenzi umqondo wakho esikhathini sangama-60 ngosuku.
Ungesabi uma uthola umkhuhlane noma uphule umlenze. I-COBRA iphinda ibuyele emuva ngosuku lokugcina lwenkampani, uma nje ubhalisa bese ukhokhela ama-premium akho esikhathini esivunyelwe ngaso izinsuku ezingu-60.
Ulwazi oluningi Ngezimiso ze-COBRA
- UMnyango Wezabasebenzi Imithetho ye-COBRA