Kungani Kufanele Ufake Izinzuzo Zokukhubazeka Ezokuphepha Komphakathi?
"Kungani kufanele ngifake izicelo zokukhubazeka kwezenhlalakahle uma umqashi wami noma inkampani yomshuwalense isivele ikhokha izinzuzo?" Izinkulungwane zabakhubazekile baseMelika abangayazi impendulo yalo mbuzo zishintsha ngokwabo. Futhi-ke abaqashi abangaqapheli ukungabi nalutho kwe-Social Security qualification kubakhokhela isabelo esikhulu sabasebenzi babo; izinzuzo zokukhubazeka kunesidingo.
UJim Allsup, umongameli kanye noMphathi Omkhulu we-Allsup Inc., inkampani yokumelela ukukhubazeka ezweni lonke, wacelwa ukuba aphendule lo mbuzo. Ngokusho kukaMnu. Allsup, abantu abakhubazekile kudingeka bazi futhi baqonde izinzuzo ezinhlanu ezifanele zokuthola nokuthola izinzuzo zokukhubazeka kwezenhlalakahle-izinzuzo ezingase zingatholakali ngomqashi noma uhlelo lokukhubazeka kwenkampani yomshuwalense. Abaqashi abaqonda lezi zinzuzo futhi basize abasebenzi babo bawaqonde nabo bayozuza.
# 1) Imali engenayo yenyanga
Izinzuzo zesikhathi eside zokukhubazeka noma izimpesheni zokukhubazeka ezivela kumqashi noma inkampani yomshuwalense ngokuvamile ayilungiswanga ukuthenga imali. Kodwa-ke, izinzuzo zokukhubazeka kwezenhlalakahle zanda lapho kulungiswa izinguquko zokuphepha kwezenhlalakahle. Lapho inani lezindleko zabathengi likhuphula amaphesenti athile, izinzuzo zezokuThuthukiswa koMphakathi zilandela. Kodwa-ke, inani lezinzuzo zanyangazonke kusukela ohlelweni lomqashi ngokuvamile lihlala lifanayo.
Uma isisebenzi esikhubazekile okwamanje sithola u-$ 1,000 ngenyanga kusuka kumqashi, iminyaka eyishumi kusukela manje ukuthi isisebenzi sisazohola inkokhelo yenyanga yenyanga engu-1 000 kungakhathaliseki ukuthi i-inflation.
# 2) Izinzuzo zokuhlala emhlalaphansi kanye nabasindile
Ilungelo lokukhubazeka kwezenhlalakahle "lifiphaza" irekhodi lomholo lomuntu lomphakathi.
Ngamanye amazwi, isikhathi lapho umuntu athola khona izinzuzo zokukhubazeka kwezenhlalakahle akubalwa njengesikhathi umuntu aqashwe ngaso. Ngomqashi noma izinhlelo zenkampani yomshuwalense, akusilo iqiniso. Lokhu kubalulekile ngoba izinzuzo zesikhathi esizayo-izinzuzo zomhlalaphansi zokuphepha komphakathi, abaxhomekile; izinzuzo noma ukukhubazeka okulandelayo noma abasindile; Izinzuzo zibalwa ngokususelwa kumholo omuntu womuntu phakathi nesikhathi esithile; isibonelo, eminyakeni engama-35 eyedlule.
Uma kwakungenayo imali yokuthola izinyanga eziningana noma iminyaka ngenxa yokukhubazeka futhi leso sikhathi sifakiwe ekubalweni, isilinganiso sizoba sezingeni eliphansi futhi ukubalwa kwenzuzo kuyoba phansi. Ngenxa yokuthi Ukuvikeleka Komphakathi akulona isikhathi saso nhlobo, akukho mthelela omubi emalini ejwayelekile.
# 3) Imali engenayo yentela
Lokhu kuncike ekutheni i-premium ihlawulwa kanjani ekuqaleni ngezinzuzo zokukhubazeka zesikhathi eside.
Isibonelo, uma umuntu ekhokhela i-premium ngenkathi esebenza iminyaka engekho emalini e-post-tax, inzuzo yokukhubazeka yesikhathi eside ayikhokhiswa uma itholakele. Uma umuntu engakhokhanga i-premium (kodwa ikhokhwe ngomunye umthombo), noma uma lowo muntu akhokhela i-premium ngaphandle kwama-dollar angaphambi kwentela, inzuzo yokukhubazeka yesikhathi eside iyakhokhiswa uma itholakele.
Ngaphezu kwalokho, amaphesenti angu-50 eNzuzo yokukhubazeka kwezenhlalakahle nayo iyakhokhiswa.
# 4) I-Medicare Coverage
Amaphesenti angu-25 kuphela abaqashi banamuhla anikezela izinsizakalo zokunakekelwa kwempilo enwetshiwe kubasebenzi bawo futhi abaqashi abaningi banikeza ukuvikelwa kwe-COBRA ekukhubazekeni. Umthetho we-COBRA unquma ukuthi isisebenzi singathenga izinyanga ezingu-18 zokuhlinzeka ngempilo uma ushiya inkampani. Kodwa-ke, uma umuntu efaneleka ukukhubazeka kwezenhlalakahle phakathi nezinyanga ezingu-18 zokuqala ze-COBRA, izinyanga ezingu-11 ze-COBRA zingathengwa. Ngakho-ke, ukuthola ukukhubazeka kwezenhlalakahle kunganikeza umuntu ukuhlinzekwa kwezempilo kuze kube yizinyanga ezingu-29 emva kokukhubazeka kwenzeka.
Umuntu okhutshazekile, kungakhathaliseki ukuthi usebudala kangakanani, ufanelekile ukukhishwa kwe-Medicare lapho i-COBRA iphela. Ukwebiwa kwemithi kuhlanganisa neNgxenye A izinzuzo zezibhedlela kanye nezinzuzo zezokwelapha zeNgxenye B, lapho, uma zengezwa kunoma yimuphi omunye umshuwalense wezempilo, izokwandisa ukuvikelwa komshwalense wempilo yonke. (Qaphela: Amanye amabhizinisi akwazi ukunikeza ukukhishwa kwe-COBRA, njengalabo abanesimo sokungenzi inzuzo nalabo abanabasebenzi abambalwa kunenani elincane elidingekayo e-federal.)
# 5) Ukuvuselelwa Kwezemfundo Nokuvuselela Ekusebenzeni
Uma Ukuvikeleka Komphakathi kuvumela isimangalo somuntu ngezinzuzo zokukhubazeka , kunqunywa ukuthi kungenzeka ukuthi isimo sezempilo somuntu sizothuthukisa. Uma isimo somuntu sithuthuka ngenkathi sibamba iqhaza ohlelweni lokuvuselela umsebenzi, lokho kungenzeka kusize lowo muntu ukuba azimele. Izinzuzo Zokuvikeleka Komphakathi zingaqhubeka kuze kuphele uhlelo. Uma ukuthuthukiswa kwezokwelapha kungalindelekile, umuntu uzokwazi ukuthola isikhathi sokusebenza esilingo.
Leli cingo livumela umuntu ukuba abuyele emsebenzini angabi nomkhawulo kumholo kuze kube izinyanga ezingu-9. Ngemuva kwalesi sikhathi, isikhathi somusa sezinyanga ezintathu sivumelekile, lapho umuntu angakwazi ukuqhubeka ukusebenza, ngenkathi icala lakhe lihlolwa. Uma ngabe ukuhlolwa kunquma ukuthi lowo muntu usukhubazekile, lowo muntu angathola isheke sokukhubazeka ngenyanga njalo ngenyanga uma kukhona inyanga phakathi neminyaka emithathu elandelayo lapho engakutholi khona imali engu- $ 500 kusuka emsebenzini.
Ngakho-ke yini kulo mqashi? Abaqashi kufanele bahlale bekhumbula ukuthi, lapho umsebenzi efaneleka ukukhubazeka kwezenhlalakahle, inzuzo yokukhubazeka ekhokhelwa umqashi inciphisa inani lemali elikhokhwa yi-Social Security. (Ukunyuka kwezindleko zokuphila akuhambisani nalokho.) Lokhu kuphumela ekukhokheleni kuqinisekisa ukuthi izindleko zezinzuzo zabiwe ngumsebenzi nomqashi wakhe. Yileyo ndlela engcono kakhulu yokuqinisekisa ukuthi abaqashi bangakwazi ukunikeza le nzuzo kubasebenzi besikhathi esizayo.
Umthombo:
Allsup Inc.