Imicimbi Yokufaneleka Okubangela Isikhathi Esibalulekile Sokubhalisa
Isikhathi sokubhalisa esikhethekile yisikhathi lapho uvumelekile ukwenza izinguquko ohlelweni lwakho lomshuwalense wezempilo nakuba kungesikhathi sokubhalisa okuvulekile .
Ngokuvamile, awuvumelekile ukubhalisela umshuwalense wezempilo noma wenze noma iyiphi indlela yezempilo ishintshe ngaphandle kwenkathi yokubhalisa yonyaka evulekile. Kodwa-ke, izenzakalo ezithile ezifanelekayo zizokwenza isikhathi sokubhalisa esikhethekile esikuvumela ukuthi wenze izinguquko esikhathini esifushane ngemuva komcimbi osusa.
Uma ungenzi izinguquko ezidingekayo kumshwalense wakho wezempilo ngesikhathi sokubhalisa esikhethekile, kuzomele ulinde kuze kube yisikhathi sokubhalisa esilandelayo sokuvula noma yimuphi ushintsho.
Izikhathi zokubhalisa ezikhethekile zikunikeza izinsuku ezingu-30 ukuthi ubhalise ohlelweni olunikezwa umqashi wakho (noma ukwengeza abancike ohlelweni oluxhaswe ngumqashi). Kodwa ngezinhlelo emakethe ngayinye, izikhathi zokubhalisa ezikhethekile zihlala izinsuku ezingu-60, nakuba ezinye zihlala izinsuku ezingu-60 kokubili nangemva komcimbi ofanelekile.
Yimiphi Imicimbi Yokufaneleka Okubangela Isikhathi Esibalulekile Sokubhalisa?
Izinto ezishintsha ubukhulu bomndeni wakho noma ezenza ukuba ulahlekelwe omunye umshuwalense wezempilo zingase zenze isikhathi sokubhalisa esikhethekile. Izibonelo zifaka:
- Ukwahlukanisa kukushiya ungaqinisekisiwe
- Umshado
- Ukuzalwa kwengane
- Ukwamukelwa kwengane
- Ukushona komlingani kukushiya ungaqinisekisiwe
- Ukulahlekelwa ngumshuwalense wezempilo osekelwe emsebenzini wakho
- Ukulahlekelwa yomshuwalense wakho wempilo esekelwe emsebenzini
- Ukunciphisa amahora omsebenzi kwenza ube ongagunyaziwe umshuwalense wezempilo
- I-oda elifanelekile lokusekela izingane zezokwelashwa
- Uhamba ngaphandle kwendawo yakho yokufaka i- HMO
Imicimbi Yokufanisa Yayifanayo Kodwa Ayinayo Imakethe Yezimakethe
Ngaphambi kuka-2014, izenzakalo ezifanelekayo kanye nezinkathi zokubhalisa ezikhethekile ezisetshenziselwa imakethe yeqembu (ie, umshuwalense wemisebenzi) kanye ne-Medicare, kodwa hhayi emakethe ngayinye.
Kwakungekho isikhathi sokubhalisa esivulekile emakethe ngayinye ngaphambi kuka-2014, ngoba izinhlelo zezempilo azikhiphi ukuqinisekiswa nganoma yisiphi isikhathi sonyaka emazweni amaningi - ngakho kwakungekho isidingo sokuthi isikhathi sokubhalisa esikhethekile; abantu bafaka isicelo nje, futhi babamukele noma banqatshwa yizinkampani zomshuwalense.
Kodwa lokho kwashintsha nge-Care Affordable Act. Imakethe ngayinye manje inezinkathi zokubhalisa ezikhethekile njengemakethe yomshuwalense oxhaswe ngumqashi . Zifana kakhulu nezenzakalo ezifanelekayo ezibangela izinkathi zokubhalisa ezikhethekile zomshuwalense oxhaswe ngumqashi kanye nokuhlinzekwa kwe-Medicare, kodwa kukhona umehluko. Uma uthengisa umshuwalense wezempilo emakethe ngayinye (ukuvula noma ukushintshaniswa), qiniseka ukuthi uyaqonda ukuthi izenzakalo ezifanelekayo zisebenza kanjani izinhlelo ezimele .
Futhi njengoba kuphawuliwe ngenhla, khumbula ukuthi izenzakalo ezifanelekayo zinikeza izinsuku ezingama-60 ukungena noma ukwenza izinguquko ohlelweni emakethe ngayinye, kodwa ngokuvamile kuphela izinsuku ezingu-30 zokungena noma ukwenza izinguquko ohlelweni olunikezwa umqashi.
Ukusebenza Kwezikhathi Ezikhethekile Kokusebenza Kanjani?
Nasi isibonelo:
- UMelissa, uKen, nezingane zabo ezinhlanu bane-umshuwalense wezempilo ngomsebenzi kaKen. UMelissa usebenza futhi. Umsebenzi wakhe unikeza umshuwalense wezempilo kuye kodwa hhayi kulabo abancike kuye. Ngenkathi yokugcina yokubhalisa evulekile, uMelissa walahleka ithuba lokuthola umshuwalense wezempilo ngomsebenzi wakhe ngoba kwakungabizi ukumboza uhlelo lomndeni ngokusebenzisa umsebenzi kaKen.
- Amahora ka-Ken ahlukaniswa isikhathi esithile. Abasebenzi bangesikhathi sesikhathi abatholi ukutholakala komshuwalense wezempilo lapho uKen esebenza khona. Umndeni wonke ulahlekelwa yomshuwalense wezempilo. Lokhu kubangela isikhathi sokubhalisa esikhethekile somshuwalense wempilo esekelwe emisebenzini kaMelissa kanye nesikhathi sokubhalisa esikhethekile ekushintsheni komshuwalense wezempilo eMelissa naseKen.
- UMelissa unesikhathi sokubhalisa esikhethekile sezinsuku ezingu-30 sokuzibhalela umshuwalense wezempilo emsebenzini wakhe nakuba ayekade eshiya leyo mshwalense. Uma engenzi lutho phakathi nalezi zinsuku ezingu-30, ngeke akwazi ukubhalisa emsebenzini wakhe kuze kufike isikhathi sokubhalisa esilandelayo somqashi wakhe.
- Umqashi kaMelissa akahlinzeki ngokunikeza umndeni, ngakho uKen kanye nezingane bazothola umshuwalense wezempilo ekushintsheni komshuwalense wezempilo. Unesikhathi sokubhalisa esikhethekile sezinsuku ezingu-60 sokubhalisa kulowo mshwalense wezempilo. Uma bengabhalisi ngalezo zinsuku ezingama-60, ngeke babe nelinye ithuba lokubhalisa umshuwalense wezempilo ngokusebenzisa ukushintshwa komshuwalense wezempilo kuze kube ngonyaka ozayo wokubhalisa ovulekile.
Lapho uKen nabantwana bebhalela umshuwalense wezempilo ekushintshaneni kombuso wabo, bangafaka isicelo sezimali ezikhokhelwa imali ye- premium . Uma befanelekile, umxhaso uzokhokha ingxenye yezinyanga zabo zomshuwalense wenyanga yomshuwalense wezempilo. Futhi njengoba bengakufanelekeli ukuhlinzeka ngomqashi kaMelissa, umlenze womndeni awusebenzi (phawula ukuthi uma uMelissa esebenza isikhathi esigcwele somqashi onabasebenzi abangu-50 noma ngaphezulu, ukuhlinzekwa okunikezwa kuye kuzodingeka ukuthi kuvumele ukuba abantu abancike ekutheni babhalise, kodwa akukho mfuneko yokuthi abaqashi banoma yikuphi ukunikezwa kwesayizi wezinsizakalo kumlingani).
> Imithombo:
> I-Cornell University Law School, i-Legal Information Institute; 29 CFR 2590.701-6 - Izinkathi zokubhalisa ezikhethekile.
> I-Cornell University Law School, i-Legal Information Institute; 45 CFR 155.420 - Izinkathi zokubhalisa ezikhethekile .