Hurongwa Hwehutano Hwakaenderera mberi kune Vashandi Vanopera
Ko COBRA Inondibata Sei Somushandi?
Kana iwe uri kambani yakakura (ine vashandi vanopfuura 20) uye iwe une chirongwa chekambani-yebhadharo yehutano,
- Iwe unofanirwa kupa kugoverwa kweCOBRA kune vashandi vanopera.
- Iwe haufaniri kubhadhara mari yehutano hwehutano hwevashandi, asi iwe unofanira kuichengeta paurongwa hwako hwehutano kwenguva yakati yakakwana pamitengo yakafanana sevashandi.
- Panguva yekuguma, unofanira kupa vashandi mashoko pamusoro peCOBRA kuitira kuti vagone kuita chisarudzo.
Ndiyo basa renyu mune zvishoma. Iye zvino, iyo tsanangudzo.
Chii COBRA?
COBRA inomiririra Consolidated Omnibus Budget Reconciliation Act, chikamu chemutemo weRENISA (Employee Retirement Income Security Act) we194. Nokuti hutano hwevashandi hunobatanidzwa kune kambani yavanoshanda, mutemo weCOBRA wakagadzirirwa kupa vashandi kupfuurira mberi kwehutano kana zvichiguma.
Mitemo yeCOBRA inomanikidzirwa neUnited States of Labor, kuburikidza neH employyee Benefits Security Administration.
Nyaya ino inopa mhinduro dzakawanda kune mibvunzo yakawanda yevashandi nezvemitemo yeCOBRA nemabasa avo.
Hazvifananidzi kuva mharidzo yakazara, asi kungokupa muongorori wemabasa ako seanoshandira. Mamiriro ezvinhu ose akasiyana, uye kana une mibvunzo chaiyo, bvunza mazano ako mutungamiriri kana kuti taura neDhipatimendi reBasa. Kana hurongwa hwehutano hwekambani yako huri kuburikidza neurongwa wehurongwa, ivo vachave nemashoko pamusoro pemutemo uyu.
Bhizinesi Rangu Rinofanira Kuenderana Nemitemo yeCOBRA?
Nemhaka yemari yekuenderera mberi zvirongwa zvehutano kune vashandi, vaduku vashandi havakwanisi kuita. Inongoshanda chete kumabhizimisi emari-inobhadhara "ane vashandi vanenge makumi maviri pazana makumi mashanu kubva muzana yemazuva ayo emazuva ebhizinesi mumwaka wekare wekare." Vose venguva yakazara uye vashandi venguva yakazara vanoverengerwa mune izvi kuverenga. Vashandi venguva yakawanda vanoverengerwa zvichienderana nehuwandu hwemazuva avo kumushandi wenguva yakazara.
Semuenzaniso, kana mushandi wenguva yakazara achishanda maawa makumi maviri pavhiki uye vashandi venyu venguva yakazara vanoshanda maawa makumi mana pavhiki, munhu muzana-nguva angaverenga se50 muzana yenguva yakazara yevanhu. Wedzerai vese venguva yakazara uye vashandi venguva yakazara kuti vaone kana bhizimisi renyu rinosangana nehuwandu hwezvinodiwa.
Ndinofanira Kugovera COBRA Makomborero Sezvo Kumushandi? Ko Zvakadini Nomudzimai Nevana?
Unofanirwa kusanganisira vashandi vakavharidzirwa, vekare vashandi, vakaroorana, vaimbova vakaroorana, uye vana vanovimba navo mubasa reCOBRA raunopa. Munhu anogamuchira zvikomborero anofanira kunge "akakodzera." DOL inoti, "Munhu anokwanisa kubatsirwa ndiye munhu akafukidzwa neurongwa hwehutano hwemazuva zuva risati rasvika chiitiko chakakodzera chakaita kuti iye arasikirwe."
Zvechokwadi, zvakaoma kupfuura izvi. Murayiridzi weGwaro reMushandi we ... COBRA Benefits ine chati inotsanangura zvakawanda pamusoro pekukodzera.
Ndirini Ndichifanira Kupa COBRA Zvipo kune Vashandi?
Iwe unofanirwa kupa kugoverwa kweCOBRA pamusana pekufa kwevashandi (kumurume akazvimiririra uye mukadzi anotarisira vana) kana paanopera kana "kuderedza mumaawa." (Izwi iri rinogona kureva kana mushandi wacho achienda kubva panguva yakazara kusvika pane imwe nguva uye achirasikirwa nezvikomborero.)
Iwe unogonawo kudiwa kuti upe rubatsiro rweCOBRA kune vana vanovimba, kana chirongwa chako chehutano chichimira kugoverwa kwavari pane imwe nguva.
Asi haufaniri kupa chirongwa cheCOBRA:
- kune mushandi uyo akaregedzerwa nokuda kwe "kukanganisa kwakaipa" (DOL tsanangudzo) kana
- kana mushandi wacho achikodzera kuMedare.
Ndechipi Rubatsiro Rwokufanirwa Ndinofanira Kugovera kuburikidza neChishanu?
Kuparidzirwa kweCOBRA iwe unopa kuvashandi kunofanirwa kuve kwakafanana neyo inopiwa kune vashandi vemazuva ano pasi peurongwa hwehutano hwako.
Kana munhu wacho akasarudza kuparidzirwa kweCOBRA, inofanirwa kuchengetwa pasi peboka rako re inshuwarisi.
Ndingaziva Sei Kana Mumwe wevashandirwi vangu ari neCOBRA Coverage?
Mubato Webasa Rinobatsira Kuchengetedzwa Kwekuchengetedza inoisa zvinhu zvitatu zvinodiwa:
- Sangano rekambani yako rinofanira kuvharwa neCOBRA,
- Chiitiko chakakodzera chinofanira kunge chakaitika (chakadai rufu rwemushandi kana kupera), uye
- Munhu anowana rubatsiro anofanira kunge akafanirwa, sezvinotsanangurwa pamusoro apa.
Ko kana mushandi wacho asina Kutora? Ndinofanira Kubhadhara Chero Chinhu Here?
Vamwe vashandi vanogona kunge vane humwe hutano hwehutano hwehutano kuburikidza nemumwe wako kana kuti kuburikidza neAne Affordable Care Act, uye vanhu ava vanogona kusarudza kusina kuvhara kweCOBRA inopiwa nekambani yako.
Ndinoda Kubhadhara Nguva Yakadii Iri COBRA Coverage?
Kana zvichiitika kugumisa kana kuderedzwa mumaawa, unofanira kuchengeta uye kubhadhara kuparidzirwa kweCOBRA kwemwedzi 18. Mune mamwe mamiriro ezvinhu, kugoverwa kweCOBRA kunogona kudiwa kusvikira kumwedzi 36. Ichi ndicho chimwe chekukurukurirana kwakakomba ndiko kwakanakisisa kuva nemunhu anobatsira zvakakwana.
Ndinofanira Kuzivisa Sei uye Ndinofanira Kuitei Mubashandi NezveCOBRA Coverage?
Apo iwe uchitaura kune mushandi nezvekugadziriswa kana kupera maawa awa ndiyo nguva yaunofanira kuisa mashoko aya uye mukana wokunyora. DOL inoshevedza iyi ichi "chiitiko chakakodzera." Mukana iwoyo unofanira kupiwa kune vanovimba nevashandi vakafa. Iyo pfungwa yakanaka yekuunganidza ruzivo pamusoro pekuvhara kweCOBRA uye kuwedzera chinhu ichi kumagumo ekutsvaga.
Pano pane zvinyorwa zvakajeka zvinyorwa zvaunofanira kupa kumushandi. Imwe nyanzvi yakanaka yekupa iyo ndiyo Bhuku reHakozi reHutano hweZvipano pasi peCOBRA (PDF).
Ndiani Anotarisira COBRA Coverage?
Mushandi anofanira kubhadhara mari yacho, asi iwe unofanira kuiita kuti iwanikwe nekambani yeinishuwarenzi yeboka rako. Izvo zvinoita zvishoma kudarika kuvashandi kusarudza kuparidzirwa kweCOBRA, nokuti vane zvimwe zvingasarudzwa, seimwe yehurumende yemakambani mapurogiramu kuburikidza neAne Affordable Care Act (Obamacare). Munhu ane ruzivo anofanirwa kubhadhara zvose zvinodhakwa uye anoita zvose co-inshurensi mari. Chero huwandu hwekubhadhara hunofanira kubhadharwa nemunhu anowana kugoverwa.
Chii Chandinoita Kana Mushandi Anoda COBRA Coverage?
Ngatiti iwe wakapa ruzivo pamusoro pekugoverwa kweCOBRA kumushandi akaregererwa. Kana mushandi achida kuparidzirwa, unofanira kupa ruzivo kuitira kuti munhu ataure nekambani yehupenyu hwehutano inshuwarisi yekambani kuti isayine.
Iyo yaimbova mushandi ichave nenguva yakatarwa yokuti inyore pane izvi, iyo inonzi "nguva yekusarudzwa." Kana munhu wacho asingakwanisi kunyora uye kubhadhara premium yaidiwa panguva ino yekusarudzwa, inogona kubviswa kubva pakuvhara.
Vashandi Vanofanirwa neCOBRA Coverage Panguva Yezvisina Kusara?
Kushanda kwekusavapo hakusi chiitiko chakakodzera chekugoverwa kweCOBRA; vashandi havakodzeri paMFLA (Family Medical Leave Act) mashizha ekusavapo.
Ndinofanirwa Kuita Chiitiko Kune Mumwe Munhu Here?
Iwe semuchato unofanira kuzivisa urongwa hwako hwehutano hwehutano hwechiitiko chinofanirwa, sekuregererwa kwebasa. Iwe haufaniri kuzivisa Dhipatimendi reMabasa.
Icho COBRA Inopindurwa Nebamacare Here?
Mutemo weCOBRA uchiripo, asi wapedzisa vashandi iye zvino vane dzimwe nzira dzekuwana hutano hwehutano hwavo mushure mokupera. Izvo zvisarudzo zvino zvinosanganisira kugoverwa pasi pe Affordable Care Act (Obamacare).