Medical Coverage
Chimwe chinhu chinokosha chevashandisi yemishonga inshuwarheni ndeyekuvhara kurapa.
Ichi chinyorwa chinoshanda kune zvose zvekurapa mari . Inosanganisira mitero inopomerwa kushanyira chiremba, kutarisirwa kuchipatara, kuchengetwa, mishonga, kurapwa kwezvipatara, chirwere chepanyama, uye mishonga yemishonga yakagadzikana (semakwenzi uye zvigaro zvengoro). Kurapa kwechiremba kunowanzosagadziriswa pasina ductibles kana copays. Zvikomborero zvinopiwa kusvikira mushandi apora zvachose kubva mukukuvara. Munyika dzakawanda, vatsigiri vanobhadharwa mabasa ezvokurapa zvichibva pane purogiramu yekubhadhara. Purogiramu yacho inonyanya kunyanya kugadziriswa inogamuchirwa kune rumwe rudzi rwekurapa.
Kunyatsotarisirwa
Yakawanda inobvumira vashandi kana vashandi vavo kutsigira vatsigiri kuti vape zvipo pasi peurongwa hwekutarisira. Mamwe mashoma anotaura anoda vhizimisi kupa vashandi urongwa hwakadaro. Zvirongwa zvekutarisira zvakasiyana-siyana, asi zvizhinji zvinosanganisira chimwe kana zvimwe zvezvinhu zvinotevera:
- Mupi weNzvimbo Bhuku rechiremba nevamwe vanopa rubatsiro rwehutano avo vane kambani neye inshurenzi kana kuti mushandirwi kuti vape rubatsiro rwezvemishonga pakuderedzwa. Vatapi varo (kana kuti vanofanira kuva) vane unyanzvi mune mushonga wemabasa.
- Kushandiswa Kwekushandisa Nzira yakagadzirirwa kuvimbisa kuti rudzi rwekurapa rwakapiwa kuvashandi runokosha, rwakakodzera uye runodhura. Zvirongwa zvakawanda zvinosanganisira UR dzinoda vapeji kuti vawane maitiro ekugadzirira vasati vaita mamwe maitiro emishonga.
- Pharmacy Benefit Manager Mutevedzeri wepurogiramu yemishonga yemishonga ine chinangwa chekutonga mari. Chibvumirano chePBM nevashambadzi nevatengesi vezvinodhaka kuwana zvikwereti.
- Kurapa Kuchengetedzwa Kwekurapa Kutarisa kuchengetedza kuti vashandi vakakuvadzwa vawane kurapa kwakakodzera kuitira kuti vadzoke kubasa nekukurumidza.
Dzimwe hurumende dzinodzora zvirongwa zvekutarisira zvinotarisirwa, asi vamwe havaiti. Pane mitemo inoshandiswa, zvirongwa zvinoshandiswa nevatsigiri vehurumende kana vashandi vanofanira kusangana nehurumende. Somuenzaniso, mutemo wenyika ungada kuti zvirongwa zvose zvekutarisira zvinotarisirwa zvinosanganisira mazano ekurapa, kuongorora kushandiswa, uye kutarisira kuchengetedza.
Dzimwe nyika dzinoda kuti vashandi vakuvadzwa vatsvake kurapwa kubva kune vanopa mukati mutevedzeri, kana muridzi wekambani akagadzira chirongwa chekuchengeta kuchengetedza. Dzimwe hurumende dzinobvumira vashandi kutsvaga kurapwa kubva kune vapeji kunze kwenhare.
Kuremara
Kuremara kunobatsira kutsiva mubhadharo mushandi anorasikirwa panguva apo iye akaremara nekuda kwekukuvadzwa kwebasa. Mushandi anogamuchira chikamu choga chemararamiro akarashika, kwete mari yakazara.
Mhando dzeHarare
Kuremara kunosarudzwa kuita zvikamu zvina:
- Yenguva Dzakakwana Mushandi akaremwa zvachose nekukuvara uye haakwanisi kushanda zvachose. Kuremara uku kwenguva pfupi. Somuenzaniso, mushandi anomukuvadza uye haakwanisi kuita chero basa kune vhiki nhanhatu. Anodzokera kumabasa akazara mushure mekuremara kwemavhiki matanhatu.
- Yenguva Dzakasarura Mushandi anongova oga akaremara nekukuvara. Kuremara uku kwenguva pfupi. Somuenzaniso, mushandi anovhuna ruoko rwake pabasa. Mushandi anogona kushanda chikamu-nguva kana kuita basa rakadzika pasi apo ruoko rwake runoporesa.
- Permanent Total Mushandi haakwanisi, nekuda kwekukuvadzwa, kuti awane mari yeramangwana kuburikidza nekuita rudzi rwebasa raaiita kana kukuvadzwa kwaitika.
- Kusarura Nokusingaperi Mubhizimisi anokwanisa kuwana mari inenge isina kukanganisa nekuda kwekukuvara kusingaperi, zvakadai sokurasikirwa kwekunzwa.
Disability Payments
Mari iyo mushandi anogamuchira muhutano hwekuremara hunoenderana nemamiriro ehurema. Kuremara kwakanyanya kwechinguva. Kuvharidzirwa kwekukuremara kwenguva pfupi kunowanzoenderana nenguva yekumirira (kazhinji mazuva manomwe). Hapana ruzivo rwakapiwa kunze kwekuti urema huwedzere nguva yekumirira.
Nenguva Yese Mibairo yekuremara kwekanguva yenguva dzose inowanzoenderana nekamuwandu (yakadai se66 2/3%) yevashandi vanowanikwa muhomwe yevhiki yega (kubhadhara kwevashandi vasati vakuvara). Semuenzaniso, mushandi anowanzobhadhara $ 1 000 pavhiki akaremara kwemwedzi miviri negumbo rakaputsika. Anogamuchira $ 667 vhiki imwe neimwe kwemavhiki masere.
Kusarura Kwekanguva Kwekuremara kwechinguva chiduku, mushandi anowanzogamuchira mubhadharo wake wakaderedzwa (nokuda kwebasa raanogona kuita) pamwe nehuwandu hwehupakati pakati pemubhadharo wenguva dzose uye mushandi wake wakaderedzwa. Somuenzaniso, mushandi anokuvadza gumbo rake. Haakwanisi kuita basa rake rechiitiko, iro rinoda kumira. Anowanzobhadhara $ 1 000 pavhiki. Anoita basa rekubasa kwemwedzi miviri apo gumbo rake rinoporesa. Basa iroro rinopa chete $ 500 pavhiki. Misiyano pakati pebhadharo yake yakakwana uye mari yake yemazuva iri $ 500 pavhiki. Munguva yemwedzi miviri yekuremara, anowana $ 500 pamwe ne $ 333 (66 2/3% ye $ 500) kana $ 833 pavhiki.
Permanent Total Mushandi anogona kunge akakodzera kuremara zvachose kana iye asingakwanisi kushanda nekuda kwekukuvadzwa kwebasa risingagoni kuporeswa. Mushandi anowanzodiwa kuti ape ruzivo rwechiremba kumubhizimisi wemushandi. Vashandi vehurumende yepurezidhendi vanoongorora rondedzero uye vanosarudza kana mushandi akakodzera kubatsirwa. Nzira iyo mazano anobvunzwa anosiyana kubva munyika kuenda kune imwe nyika. Mune dzimwe nyika, mushandi angagamuchira mari yekusara kwehupenyu hwake.
Kusingasaruri Mune dzimwe nyika, kuremara kusingagumi kwepakati kwakakamurwa kuita zvikamu zviviri: purogiramu uye isiri-purogiramu. Purogiramu yakakuvara inosanganisira imwe muviri chikamu chakaita somunwe, ruoko kana ziso. Mushandi anokuvadza zvachose chikamu chemuviri chakanyorwa muhedheni inokodzera kune nhamba yakatarwa mavhiki ekubhadhara kwekuremara. Semuenzaniso, mushandi anorasikirwa nemunwe anogona kugamuchira, anoti mavhiki makumi mashanu ekuremara anorayira (kubva pa 66 2/3 yemavhagiro ehomwe yevhiki rimwe nerimwe).
Kana mushandi akabatwa nekukuvara kwechigarire kusingatauri pane purogiramu, maitiro ake ekuremara anoverengwa maererano nemitemo yenyika. Zvichienderana nedzimwe nyika, zvikomborero zvingave zvichienderana nehuwandu hwekushaiwa kwevashandi, kurasikirwa kwekuwana mari, kurasikirwa nemari, kana chimwe chimwe chinhu.
Kuvandudza
Zvizhinji zvehurumende zvinopa rumwe rudzi rwekugadzirisa basa kune vashandi vasingakwanisi kudzokera kumabasa avo apfuura nekuda kwekukuvadzwa kwebasa. Vamwe vanopawo kugadzirisa pfungwa mupfungwa kana mushandi ave achitambura nekuputika kwepfungwa.
Rufu
Kana mumwe mushandi akafa nekuda kwekukuvadzwa kwebasa, mari inobhadharwa inobhadharwa kune wawakaroorana naye, vana vaduku nevamwe vanovimba. Kuviga mari yakavharwawo.