Ulahlekelwe Umsebenzi Wakho? I-COBRA ikuvumela ukuthi ugcine umshuwalense wakho wezempilo

Okudingeka Ukwazi Nge-COBRA

I-COBRA ngumthetho wase-United States ovumela isisebenzi esikhishweyo nomndeni wakhe ukuba baqhubeke nokubhekwa kwezempilo kweqembu uma bebhekene nesenzakalo esifanelekayo esingabangela ukuba balahlekelwe. Umuntu ohlanganiswe nalo mthetho uyaziwa njengomzuzi ofanelekayo. Izibonelo zezenzakalo ezifanelekayo zabasebenzi zihlanganisa ukushiya noma ukuyeka umsebenzi wakho noma ukuchitha amahora akho. Umthetho uphinde uvumele oshade naye nabantwana bomsebenzi ukuba baqhubekele ukubhekwa kwabo kufanele ngabe kwenzeka kulezo zenzakalo noma uma umsebenzi oboshiwe efa noma eba ofanelekile kuM Medicare.

Ukwengeza, kuhlanganisa nokuvikelwa komlingani womsebenzi uma elahlekelwa izinzuzo zomshuwalense ngenxa yokuhlukanisa. I-COBRA, okuyinto iCongress eyadlulisa ngo-1986, imele uMthetho Wokuhlanganiswa Kwezimali Ezihlanganisiwe Zomnotho.

Okwenza Udinge Ukuqonda Amalungelo Akho Ngaphansi Kwezi-COBRA

Iqembu lomshuwalense wezempilo umqashi wakho anikezelayo lingakugcina ekubhujisweni kwezimali uma wena noma omunye wabathengi bakho begula. Uma ulahlekelwa umsebenzi wakho, noma omunye umcimbi usongela ukufakwa kwakho, kubalulekile ukuthi wazi nge-COBRA nokuthi zingakuvikela kanjani. Umshwalense wezempilo weqembu uyingxenye yezingxenye eziwusizo kakhulu zephakheji lakho lesinxephezelo. Abanye abaqashi bakhokhela i-premium yonke, kodwa abaningi badinga abasebenzi ukuba bakhokhe ingxenye futhi ngezinye izikhathi ngisho nento yonke. Kunoma yikuphi, ukubamba iqhaza ohlelweni lomshuwalense weqembu lomqashi cishe liphansi kakhulu kunokukhokha inqubomgomo yomshuwalense wezempilo.

Uma ushiya umsebenzi wakho, kungakhathaliseki ukuthi ususiwe noma ushiye, akufanele uhambe ngaphandle komshuwalense wezempilo ngoba awukwazi ukukhokhela inqubomgomo ngayinye.

Yilapho i-COBRA ingena khona. Ikuvumela ukuba uqhubeke nokuhlanganyela ohlelweni lomshuwalense wezempilo lomqashi wakho ngokukhokhela inqubomgomo yakho ngokwakho. Nazi izimpendulo zemibuzo ethile ongase ube nayo. Ulwazi oluhlinzekwe lapha luvamile emvelweni. Ukuphela kwalesi sihloko kukutshela ukuthi ungaphi ukuthola olunye ulwazi.

Ingabe Yonke Imiphakatsi Yomshuwalense Weqembu Ngokuya ku-COBRA?

Akuzona zonke izinhlelo zeqembu ezitholakala ku-COBRA. Kuphela lezozinhlelo ezigcinwe ngamabhizinisi kanye nohulumeni basekhaya noma basekhaya abanabasebenzi abangaphezu kuka-20. Amasu omshuwalense weqembu ukuthi uhulumeni wase-United States federal, amasonto nezinhlangano ezithile zesonto zinikezela abasebenzi babo abazithobeli. UHulumeni waseHulumeni unikeza okufanayo nabasebenzi bawo, noma kunjalo.

Ingabe i-COBRA ivikela wena nomndeni wakho?

Uma wena noma umndeni wakho unomcimbi ofanelekayo, isibonelo, ulahlekelwa umsebenzi wakho nganoma yisiphi isizathu kodwa ukuziphatha kabi, ukuyeka umsebenzi wakho, noma umqashi wakho unciphisa amahora akho, ufe noma wena noshade naye uhlukanisile, NOMA uphendula "yebo" kunoma yimuphi wale mibuzo elandelayo, cishe uvumelekile ku-COBRA:

• Ingabe usebenzela umqashi ozimele noma uhulumeni noma uhulumeni wasekhaya nabasebenzi abangu-20 noma ngaphezulu?
• Ingabe uhlanganiswa neqembu lempilo yomshuwalense wezempilo olunikezwa umkhakha wangasese womngane wakho noma womqashi noma umqashi wombuso wasekhaya?
• Ingabe wena noma umndeni wakho uhlanganiswe uhlelo lwezempilo lweqembu ngosuku ngaphambi kokuba kwenzeke umcimbi?

Izizathu Zokukhetha Ukuqhubeka Okuqhubekayo Nge-COBRA

Kufanele ukhethe ukuqhubeka nezinzuzo zomshuwalense weqembu lakho uma:

• Uhlelo lwakho lungcono kunezinye izinhlelo ezingase zitholakale.
• Wena noma abaxhomekile bakho ngeke babe nokufaka ngaphandle kwayo.
• Unelisekile ngecebo lakho nabahlinzeki bakho bokunakekela impilo.

Izizathu Okufanele Ukhethwa Ukuba Ungaqhubeki Ukuqhubeka Kwakho

Akufanele usebenzise i-COBRA ukuze uqhubeke nokufaka kwakho uma:

• Ungathola ukwaziswa okuvela kumlingani womlingani wakho, noma omunye umzali, umqashi.
• Uthola uhlelo olungcono nge-Market Insurance Marketplace.

Kumele uqaphele ukuthi ngenkathi ngaphansi kwezinye izimo kufanele ulinde kuze kube yisikhathi sokubhalisa esivulekile sokubhalisela uhlelo lomshuwalense wezempilo, i- HIPAA , uMthetho Wokubheka Umshuwalense WezeMpilo Nokuziphendulela, unikeza ithuba kulabo abaye balahlekelwa ukufaneleka ukuthola ukukhokhelwa ukubhalisa ngesikhathi esithile izikhathi. Lokhu kubizwa ngokuthi ukubhaliswa okukhethekile.

Uzokhokha Kangaki Ukuqhubeka Nokuziphakamisa Kwakho?

Inani ozolikhokhela izinkokhelo zakho zomshuwalense kuxhomeke ezindlekweni zalolu hlelo.

Ngeke ukhokhe ngaphezu kokulahlekelwa okuhlanganisiwe nomqashi futhi isisebenzi sikhokhele inqubomgomo efanayo (kanye no-2% ezindleko zokuphatha).

Izinto Ezinye Okufanele Zenzeke Ngemuva Komcimbi Wokufaneleka

1. Umqashi wakho kumele azise uhlelo lwomshuwalense wezempilo kungakapheli izinsuku ezingu-30 emsebenzini wakho wokuphela, ukunciphisa amahora akho, noma ukufa kwakho.
2. Uma ithola isaziso, lolu hlelo kufanele luthumele isaziso sokhetho kuwe nakwabanye abahlomulayo abafanelekayo ezinsukwini ezingu-14 kokuthola isaziso kumqashi wakho. Izochaza amalungelo akho futhi ikutshele indlela ongakhetha ngayo ukuqhubeka nokufaka kwakho.
3. Uzoba nezinsuku ezingu-60 kusukela ngosuku othole ngalo isaziso sakho sokhetho noma usuku oluzophela ngalo ukukhetha ukuqhubeka nokufaka kwakho.

Ungakwazi Ukuqhubeka Nesikhathi Sakho Kangakanani?

Wena nomndeni wakho ningakhetha ukuqhubeka nokufaka inshuwalense okungenani izinyanga ezingu-18 uma uqeqeshelwe i-COBRA ngoba ulahlekile noma ushiye umsebenzi wakho. Uma uhluleka ukukhokhisa i-premium yakho, noma uqala ukufaka ngaphansi kwesinye isicwangciso seqembu, ukufakwa kwakho kuzophela. Uma kunoma yisiphi isikhathi umqashi wakho wangaphambili engasayikunikeza uhlelo lomshuwalense wezempilo iqembu, ngeke usakwazi ukuhlanganyela.

Lapho Uthola Imininingwane Yengeziwe Nge-COBRA

Abantu abasebenza emkhakheni wabaqashi abaqashi kufanele baxhumane ne-Employee Benefits Security Administration, ukuhlukaniswa koMnyango Wezabasebenzi wase-US. Noma ngabe ikholi yamahhala (866) 444-3272, noma vakashela http://www.dol.gov/ebsa/contactEBSA/consumerassistance.html.

Uma usebenzela uhulumeni wombuso noma wendawo, kufanele uxhumane namasevisi weMediare & Medicaid Services ku:

I-7500 Security Boulevard
Imeyili Misa C1-22-06
Baltimore, MD 21244-1850

Ukuziphendulela: Ulwazi olulesi sihloko luyisiqondiso, imibono kanye nosizo kuphela. Ngesikhathi umlobi enza yonke imizamo yokunikeza iseluleko esinembile nolwazi, akayena ummeli. Ngakho-ke, okuqukethwe akufanele kuthathwe njengeseluleko sezomthetho. Hlola izinsiza zikahulumeni noma iseluleko sezomthetho uma ungabaza ngesimo sakho.

Imithombo:

• Umnyango Wezabasebenzi. Imibuzo Ephathelene Ne-COBRA Yokuqhubeka Nempilo.
• NOLO. Amalungelo Wakho Lapho Ushiya Umsebenzi.