I-COBRA Yandisa Ubungqina Bomshuwalense Wabaqeshwa
Umthetho wokuQiniswa koHlahlo lwabiwo-mali lwe-Omnibus, owaziwa nangokuthi yi-COBRA, ufuna abaqeshi baqhubeke nokubonelela ngempilo okanye unyango lwe-inshorensi kubasebenzi okanye kwiintsapho zabo emva kweziganeko ezithile ezifanelekileyo. Ukongezwa okuncinci kwenkxaso-mali kunokunika ithuba lokudlulisela kwisicwangciso sezempilo esitsha.
Yintoni iCOBRA?
Ukuba ushiya umsebenzi wakho ngokuzithandela okanye unqanyulwa ngenxa yezizathu ngaphandle kokungaziphathi kakubi, unako ukwandisa i-coverage yakho kwiinyanga ezili-18, kunye neenyanga ezili-11 ezongezelelweyo ukuba ukhubazekile.
Oku kusebenza kwakhona ukuba iiyure zomsebenzi wakho ziyancipha ukuya kwindawo apho ungasayi kufaneleka ukuba ufumane i-inshorensi yezempilo yomqeshi wakho. Umlingane wakho okanye abantwana banokuqhubeka nokuhanjiswa kweenyanga ezili-18 xa kukho isiganeko esifanelekileyo sesibini, njengokuba umhlala phantsi, umtshato okanye ukufa.
Kukho iziqinisekiso ezongezelelweyo zeCOBRA kunye nemigaqo yabaqeshi. Umzekelo, i-COBRA isebenza kuphela kubaqeshi abanabasebenzi abangama-20 okanye ngaphezulu. Basenokuba ngabaqeshi bamacandelo abucala, imibutho yabasebenzi, okanye abaqeshi karhulumente okanye basekhaya. Fumana ulwazi oluthe xaxa malunga neziqinisekiso zomqeshi kunye nemithetho kwi-website ye-COBRA yaseSebe lase-US labasebenzi.
Kwamanye amazwe, kukho ukuqhutyelwa kwenkxaso-nkqubo yokusekwa kwabasebenzi abasebenza kwiinkampani ezincinci kwaye abanakho ukufikelela kwiCOBRA.
Indlela yokufaka isicelo seCOBRA Coverage
Xa ulungele ukushiya umsebenzi wakho, umqeshi wakho kufuneka akunike ulwazi lweCOBRA oluya kubandakanya amanyathelo oza kuyidinga ukuthatha ukunikwa kwengxelo emva kokuba ushiye umsebenzi wakho.
Ukuba awufumani le nkcazelo zingadlulanga iintsuku ezili-14, qhagamshelana neSebe le-HR lomqeshi kwaye ubacele ukuba banikezele lona.
Unemihla engama-60 ukugqiba ukuba ngaba ungaqhubekiyo okanye uqhubeke ne-COBRA yakho. Oku kuya kukunika ithuba lokubona ukuba yintoni enye inokufumaneka. Awuyi kuba naziphi na izikhala kwiinkcazo ngaphantsi kwecebo lakho langaphambili xa usenza isigqibo ngomhla we-59.
Unoxanduva lwempompo ze-COBRA ezisebenzayo ngeli xesha. Inkcazo yakho ye-COBRA iya kugqitywa emva koko ihlanganisa zonke iindleko zonyango oye zenzeke ngelo xesha.
Qiniseka ukuba awudluli kwiwindow yeentsuku ezingama-60 ngaphandle kokufaka isicelo sesinye isicwangciso sokunakekelwa kwezempilo. Kusenokwenzeka ukuba uzalise ikhefu nge -inshorensi yempilo yexesha elifutshane ukuba ulindele umshwalense wezempilo omtsha ukuba usebenze. I-Medicaid inokukhetha kwakhona.
Ubungakanani bakho ngaphantsi kweCOBRA
Ukuba usebenzise inzuzo yeCOBRA, isicwangciso sokubakho esiza kuba nayo sinjalo ngexesha lomcimbi owabangela ukuba ulahlekelwe ngumhlala-phantsi wempilo yomqeshi. Isicwangciso ngokwayo asiyi kutshintsha ngaphandle kokuba ukhetha isicwangciso esitsha xa ixesha lokubhalisa elivulekile liza.
Ngomshuwalense wonyango ofanayo njengoko wawunakho ngaphambili, awuyi ku funeka utshintshe oogqirha kwaye uya kuba ne- coinsurance efanayo, i- deductible , kunye neentlawulo ezisebenzisiweyo ukuhlawula.
Iindleko zeCOBRA Coverage
Abaqeshi bavunyelwe ukukuhlawula, umsebenzi wabo wangaphambili, ama-102 ekhulwini lweendleko ze-inshorensi. Ewe, ipesenti eziyi-100 zibandakanya izindleko zomqeshi ukukuqinisekisa. Iipesenti ezi-2 zibandakanya nayiphi na iindleko zolawulo umqeshi kufuneka amkele ukunyamekela amaphepha.
Olunye ubhanqa kukuba xa ufumana ukongezwa kweenyanga ezi-11 zokukhubazeka, ukhuseleko lwakho lwenyanga kulezi nyanga ezongezelelweyo lunokuphakanyiswa kuma-150 ekhulwini kwindleko epheleleyo yokubhengezwa.
Abasebenzi bavame ukuthungelwa oko kuza kuhlawula i-COBRA. Ngokuqhelekileyo, i-premium yakho ngexesha eqeshwe yayiyingxenye yesicwangciso sakho se-inshorensi yezempilo yonkcitho xa umqeshi wakho ehlawula ipesenti okanye zonke iindleko. Ngoku uya kuthwala ixabiso elipheleleyo.
Ngelishwa, njengexabiso elininzi njenge-COBRA ingabonakala ngathi, mhlawumbi kusenokuhlawula imali engaphantsi kwe-inshurensi yempilo. Thelekisa iindleko kunye negalelo ukuqinisekisa ukuba yinto ekhethekileyo.
Unokuba nekhetho eliphantsi kweendleko kwiindawo zemarike zonyango.
Ubude beCOBRA
Kwiimeko ezininzi, umntu owayengumqeshwa okanye ilungu lentsapho unokugcina i-COBRA ye-inshorensi yezempilo ukuya kwiinyanga ezili-18 emva komhla wokugqibela wengqesho. Ukuba umntu ogqitywe nge-COBRA uyakhubazeka, ke iingeniso zingenwezelwa kwiinyanga ezili-11 ngaphezulu. Iintlawulo zeeNkcazo ziya kwandisa ukwenzela ukongezwa.
Qaphela ukuba xa ulahlekelwa intlawulo ye-COBRA yenyanga, uya kulahleka ukukhutshwa kwaye awukwazi ukuwubuyisela. Isicwangciso asinakukuthumela i-bill, ngoko kuya kufuneka uqinisekise ukuba wenze iintlawulo zakho.
Amalungu entsapho (umlingane okanye umntwana oxhomekeke kuyo) unokufumana isongezelelo seenyanga ezili-18 ukuba kukho umcimbi wesibini ofanelekileyo. ukuzisa ubude babo bemivuzo kwiinyanga ezingama-36. Ezi ziganeko ziza kuba ukufa komqeshwa ogqityiweyo, umtshato okanye ukwahlukana ngokomthetho, u-Medicare unelungelo kwiimeko ezithile, okanye ukulahlekelwa ngumntu oxhomekeke kuye phantsi kwesi cwangciso. Isiganeko sesibini kufuneka sibe yinto ebangela ukuba umxhamli ofanelekileyo alahlekelwe ukufihla phantsi kwesi cwangciso ukuba umcimbi wokuqala wokufaneleka awuzange kwenzeke.
Indlela Yokulungiselela Ukuphela Kobukhulu Bakho beCOBRA
Ngelixa uqhubekeka phantsi kweCOBRA, jonga ixabiso lentlawulo entsha yomshuwalense wezempilo oya kutshintshela ukuba i-COBRA yakho ikhawuleze. Ungaphinda ufune ukuhlola ukuba ngaba ulungele ukufumana iMedicaid .
Ukuba uMnxeba wokuNakekelwa ongenakunyanzeliswayo ufumaneka kuwe, khangela ukuba usuku lokubhalisa oluvulekile. Unako ukubhalisa ngeli xesha xa kwenzeka njalo xa uhlanganiswa yiCOBRA. Uya kulungeleka ukubhalisa kwi-Marketplace ekupheleni kweenzuzo zakho ze-COBRA, kuba oko kuyisiganeko esifanelekileyo. Nangona kunjalo, ingqalelo ukuba utshintsho kuMthetho woNonophelo ongenakunceda luya kuthintela ukhetho kwaye kufuneka ukhangele ukuze ubone ukuba kusekhona.
ILizwi
Ithemba lokulahlekelwa yinshurensi yezempilo xa imeko yakho yomsebenzi ingatshintsha kakhulu, ingakumbi ukuba unyango lwenkqubo okanye ufuna ukuqinisekisa ukuba intsapho yakho inezinzuzo zonyango. Hlola iindlela ozikhethayo kwaye wazi amalungelo akho. Utshintsho kwimithetho yonakekelo lwempilo lunokuchaphazela ukhetho oya kuba nalo ngaphandle kweCOBRA.
> Imithombo:
> Isikhokelo somqeshwa kwiNzuzo yezeMpilo phantsi kweCOBRA. United States Isebe Lemisebenzi. https://www.dol.gov/agencies/ebsa/about-ebsa/our-activities/resource-center/publications/an-employees-guide-to-health-benefits-under-cobra.pdf.
> Isikhokelo somqeshi kwiMibutho yokuHlaliswa kwezeMpilo phantsi kweCOBRA - UMthetho woNxibelelwaniso loHlahlo lwabiwo-mali lwe-Omnibus ka-1986. United States Isebe Lemisebenzi. 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.