Indlela Ukuguqulwa Kwezempilo Kwashintsha Ngayo Umdlalo Wezimo Zokuqala Ezikhona
Enye yezingxenye zomthetho wokuguqulwa kwezempilo (Isivikelo Sabantu Abagulayo kanye Nokunakekelwa Okunakekelwa Ngokwempahla ka-2010, ngezinye izikhathi okuthiwa yi-Obamacare) kuyishintsho endleleni izinkampani zomshuwalense ezivunyelwe ngokomthetho ukuphatha abhalisile kanye nabhalisekayo abangaba nemibandela ekhona ngaphambili. Ezimweni eziningi, izinkampani zomshuwalense wezempilo ngeke zikwazi ukuphika noma ukukhansela ukukhokhela obhalisile ngesisekelo sesimo esandulele.
Lokhu kungase kukusize njengomuntu onesifo sofuba (IBD) , njengoba kungenzeka ukuthi uhlangabezane nezithiyo zokufaka umshwalense esikhathini esidlule, ikakhulu uma ushintsha imisebenzi noma uma ungena emsebenzini ngemuva kokuphothula esikoleni esiphakeme noma ekolishi.
Kuyini Isimo Esandulele?
Isimo esandulele sikhona noma yisiphi isifo noma isimo sempilo esitholwe ngaphambi kwesiguli esisebenzisa inqubomgomo entsha yomshuwalense wezempilo. Esikhathini esedlule, isiguli esitholwe ukuthi sinesimo esingapheli futhi esabe sibhekene nokuphazanyiswa kokutholakala komshuwalense wezempilo, noma ishintsha imithwalense yomshuwalense, inganqatshelwa inqubomgomo ngenxa yalokho okuthiwa isimo esandulele.
Endabeni yokwenza umshwalense wezempilo ngokusebenzisa umqashi, isigatshana somthetho esivele sikhona sinqunyelwe kunoma yisiphi isimo esaphathwa phakathi nezinyanga ezingu-6 zangaphambili. Lokhu kusho ukuthi noma yini isiguli esitholile ukunakekelwa ezinyangeni ezingu-6 ngaphambi kokuba umsebenzi omusha ungagciniwe.
Noma ubani onesifo esingelapheki angadinga ukwelashwa ngaleso sikhathi, ngakho-ke noma ubani owayene-IBD noma inkinga ye-IBD inganqatshelwa ukufakwa kwomshuwalense uma ushintsha imisebenzi.
Ukukhishwa kwesimo esandulela isikhathi esingeke sikwazi ukusetshenziselwa isikhathi eside njengoba isiguli sinomsebenzi wonyaka wonke ngaphambi kokuba sishintshe imisebenzi futhi asizange sithole ukulahlekelwa kwemali eyadlula isikhathi esingaphezu kwezinsuku ezingu-63.
Lokhu kusho ukuthi uma ngabe uqashiwe futhi ulahlwe ngaphandle kokusebenza emsebenzini ngonyaka, noma ngabe uphume emsebenzini izinsuku ezingaba ngu-63, ungase unqatshelwe ukukhokhelwa umshuwalense wesimo sakho uma unomshuwalense wezempilo omusha ovela emsebenzini wakho .
Uma obhalisile enikezwe inqubomgomo naphezu kwesimo esandulele, isikhathi lapho inkampani yomshuwalense ingenqaba ukumboza noma yiziphi izindleko ezihlobene nesimo esandulele esasikhona, kodwa singaba nezinyanga ezingu-18. Kusho ukuthi ngemva konyaka nesigamu emva kokuthola umshuwalense omusha, ungase unqatshelwe ukulandelwa kokwelashwa kwe-IBD noma esinye isimo.
Lokho konke okuhumusha ukuthi kwakuyisimo esinzima kunoma ubani onenkinga yezempilo engapheli, okwadingeka asebenzise ingozi yokungena ngaphandle kokubheka uma engazi lutho lenye yale "mithetho" eyinkimbinkimbi.
Okushiwo yi-Care Affordable Act Act
Kubantu abanezimo ezingapheli ezifana ne-IBD, ikhono lezinkampani zomshuwalense ukukhipha ukushicilelwa ngokusekelwe esimweni esivele sikhona kuyinkinga enkulu. I-IBD ayikwazi ukuphulukiswa , futhi ngenxa yokuthi lesi sifo sihlala nesiguli kuyo yonke impilo yakhe, kudinga ukuqapha ngezikhathi ezithile nokwelapha okuqhubekayo. Ikhono lokuphikwa ukukhishwa kwaba, kanti namanje, ukukhathazeka njalo kwabaningi.
UMnyango wezeMpilo wezeMpilo kanye neHuman Human Services (HHS) uthi lokhu mayelana nokuthi i-ACA ihlangabezana kanjani nezimo ezikhona ngaphambili:
"Ngaphansi kwe-Care Affordable Act, izinkampani zomshuwalense wezempilo ngeke zenqabe ukukumboza noma ukukhokhisa ngaphezulu ngoba" unesimo esandulele "- okungukuthi, inkinga yempilo owawukhona ngaphambi kosuku lokuqala kokuqala kwezempilo. Abakwazi futhi ukukhokhisa abesifazane ngaphezu kwamadoda. "
Nokho, kukhona okuhlukile kulokhu. I-HHS iphinde ikhombise le caveat:
Umthetho wokusabalalisa okhona ngaphambili awusebenzi ezinkampanini zomshuwalense wempilo yomuntu ngamunye.
Uhlelo oluhlelwe yilokho oluthengwe futhi lukhona ngaphambi kuka-Mashi 23, 2010.
Isimo esiphezulu kumele sichazwe ngaphakathi kwezinto zokwakha. Uma ucabanga ukuthi uhlelo lwakho lungazalwa, xhumana nenkampani eqondisa uhlelo, futhi kufanele ikutshele.
Lokhu kusho lokhu kulabo abane-IBD
Kusukela ezinyangeni eziyisithupha emva kukaMashi 23, 2010 - usuku loMthetho wokuguqulwa kwezempilo kuqale ukusebenza - izinkampani zomshuwalense wezempilo zivinjelwe ukuphika ukuhanjiswa kwabantwana abanesimo esandulele. Ngo-2014, lokhu kusetshenziswe kubantu abadala abanemibandela ekhona ngaphambili.
Futhi ngemva kwezinyanga eziyisithupha ngemuva kokumiswa komthetho, izinkampani zomshuwalense wezempilo ngeke zikwazi ukukhansela ukutholakala okukhona ngenxa yesimo esandulele. Ukuphepha kungakhanselwa kuphela uma kuqhathaniswa nokukhwabanisa, okufana nokuqamba amanga ngesimo sempilo yakho. Uma ukukhishwa kuzokhanselwa, inkampani yomshuwalense kufanele yazise obhalisile.
Imithombo:
Ikomidi leDemocratic Party. " Ukufingqwa Kwezinhlinzeko zeMpilo nokuNgeniswa Kwezimali. " Mashi 2010.
Ikomidi leDemocratic Party. " Umbhalo ogcwele woMvikeli Wezokwelapha kanye noMthetho Wokunakekelwa Ongathintekayo (PL 111-148). " 24 Dec 2009.