Chii COBRA?
"COBRA" inomiririra Consolidated Omnibus Budget Reconciliation Act ya1985, uye kunyanya kuChipiri X cheMutemo. Chinyorwa X chinosanganisira zvigaro zvekuenderera mberi nehutano inshuwarheni kugoverwa kune nhengo dzemakambani ehutano hwekambani avo vakarasikirwa nehushuwarisi yavo nekuda kwe "chiitiko chinodiwa."
Mutemo unotaura kuti kana munhu anoshandira achida kutora mutero wekubhadhara mari yehutano yehutano, inofanira kubvumira vashandi vakave vakafukidzwa neurongwa hwekuenderera mberi kugoverwa pamutengo wevashandi pachikwata cheboka kwekanguva.
Chii COBRA Kugadziriswa?
Mushandi anofanira kuzadzisa zvimwe zvaanoda kuti akwanise kubhadharwa neCOBRA:
- Anofanira kushanda kumushandi ane 20 kana kupfuura vashandi. Vashandi venguva yakawanda vanoonekwa sepamuviri yevashandi venguva yakazara. COBRA haisviki kune vashandi vakavharwa nemarongwa ehutano anotsigirwa nehurumende yehurumende, makereke uye mamwe masangano echitendero.
- Mushandi wacho anofanira kunge akarega kuzvipira kana kuti asina kubvumirana nehana nekuda kwezvikonzero zvimwe kunze kwekukanganisa kwakaipa. Angave akaita kuti maawa ake awedzere kuitira kuti asisakwanisi kufambisa hutano hwekambani.
- Mumwe mukadzi angave akakodzera kubhadharwa kana mushandi akakodzera Medicare, kana mudzimai uye mushandi akarambana kana kuti akaparadzaniswa zviri pamutemo, kana pakufa kwomushandi.
- Mwana akachengetedzeka angave akakodzera kubhadharwa kana mwana akarasikirwa nehutariro huri pasi pemirairo yehutano hwevarashandi.
Mushandirwi Mabasa
- Vashandi vanofanira kuve nechokwadi chokuti kuparidzirwa kweCOBRA kunopiwa kuvakagamuchirwa kwakakodzera kwakafanana nehutano hwehutano hwehutano hwevashandi vemazuva ano. Kana kushandira kwebasa kushanduka, kuparidzira kweCOBRA kunofanira kuchinja zvakare.
- Vashandi vanofanirwa kuzivisa vashandi vekodzero dzavo kuti varambe vachipararira pavanopedza basa kana apo chimwe chiitiko chinokodzera chinoitika.
Mimwe Mienzaniso
- Sam akaiswa kunze neSmith Electronic. Anokodzera kutenga chinyorwa cheCOBRA kuti achengetedze hutano hwehutano inshuwarima apo anotsvaka rimwe basa.
- Ellen ndiye mudzimai waJulio. Akave akakodzera kugoverwa kweCOBRA paakafa.
- Susan, mwanasikana waAnna, akazokwanisa kubhadharwa neCOBRA paakava nemakore makumi maviri nemashanu uye akanga asingachagoni kuva munhu anozvidzivirira pasi pehutano hwaAna.
Zvimwe Zvinyorwa
Kukodzera kweCOBRA kuchachengetedza hutano hwako huri panzvimbo pane imwe nguva, asi COBRA ingangokubhadharira kupfuura zvawairipira kubhadhara pawakashanda. Vashandi vako vangangodaro vakabhadhara chikamu chemishandiraimari yako sekubatsira kwebasa uye haisisiri kutarisirwa kuita kudaro kana ukasarudza kuparidzira kweCOBRA mushure mokupera.
Iko mari yakazara yekugoverwa ichawira kwauri. Dhipatimendi reUnited States of Labor rinoratidzira kutarisa mune dzimwe nzira dzekugovera uye kuenzanisa mari. Usasvetuka paCOBRA nokuti unowanika uye iwe unokodzera. Iwe unogona kukwanisa kuwana kupera kudhura mari kune imwe nzvimbo.
COBRA inongotora nguva yakatarwa kuitira kuti pakupedzisira iwe uwane humwe hutano hwehutano inshumo mune chero chiitiko. COBRA inowedzera kubva pazuva rekufanirwa kwechiitiko kwemwedzi 18 kana 36 zvichienderana nemamiriro ekufananidzira kwako, kunyange zvazvo dzimwe zvirongwa zvingaita nguva yakareba yekuparidzira.