Uma usebenzisa umshuwalense wezempilo we- COBRA , kungenzeka ukuthi uthola isehlukaniso, ulahlekelwe umsebenzi wakho , noma oshade naye washona. Noma yikuphi kwalezi zimo kungenza imali yakho ibe yinkimbinkimbi futhi izikweletu zakho zikhudlwana kunokujwayelekile ukukhokha. Ngokufanayo, ukucindezeleka kwalezi zimo kungakwenza ube lula ukulandela ithrekhi yemininingwane lapha noma lapho.
Nakuba yisikhathi esiphezulu sokukhokha i- premium ye- COBRA ye- premium yomshuwalense wezempilo yinkinga embi ukukhohlwa, awuyena umuntu wokuqala okuzokwephuza ukukhokha premium yakho ye-COBRA.
Imiphumela yokukhokha isikhathi eside i-COBRA ingahle ibonakale kunoma iyiphi inhlekelele ukuze ilahlekelwe ngokugcwele nge-COBRA yakho. Kwenzekani esimeni sakho kuxhomeke ukuthi ngabe usuphelile ekukhokheni kwakho kwe-premium ye-COBRA noma sekwephuzile ngokukhokha kokufakwa kwe-COBRA eqhubekayo.
Ukuhamba kwesikhathi sokukhokha kuqala kwe-COBRA Premium
I-premium yakho ye-COBRA premium kufanele ikhokhwe zingakapheli izinsuku ezingu-45 ngesikhathi ukhetha ukukhishwa kwe-COBRA. Umqondisi wakho we-COBRA uzocubungula usuku lwakho isaziso sokhetho lwe-COBRA sithunyelwe ukuba kube usuku okhetha ngalo i-COBRA. Leyo bhulogi yokubeka uphawu ibeka i-clock yakho yezinsuku ezingu-45.
Le ntlawulo yokuqala ye-COBRA yokukhokhela inkokhelo izoba mkhulu kunezinkokhelo zenyanga ezizayo ngoba ngokuvamile ihlanganisa inyanga engaphezu kwenyanga yomshwalense wempilo. Faka imali eyanele ukumboza amaphrimiyamu akho kusukela ngosuku olahlekelwe ukusakazwa ngenxa yomcimbi wakho ofanelekayo we-COBRA ngosuku okhethile ukukhishwa kwe-COBRA.
Isibonelo, uma ulahlekelwa ukukhishwa ngomhla ka-Meyi 1 futhi uthumele ifomu lakho lokukhethwa kwe-COBRA ngo-Juni 15, i-premium yakho yokuqala kumele ikhokhwe zingakapheli izinsuku ezingu-45 kuJuni 15.
Kufanele ufake izimali ezanele ukumboza umshuwalense wakho we-COBRA kusukela ngoMeyi 1 kuya kuJuni 15.
Asikho isikhathi somusa uma usuphelile ukukhokha inkokhelo yakho yokuqala ye-COBRA premium. Uma ingakhokhiwe ngesikhathi, ulahlekelwa ilungelo lakho lokuba nokubika kwe-COBRA; kuzodingeka uthole ezinye izinketho zomshuwalense wezempilo noma uzobe ungaqinisekisiwe .
Ukukhokha Okukhatshana Ukukhokhela Umshwalense Wezempilo Oqhubekayo we-COBRA
Nakuba izinkokhelo ze-premium ze-COBRA eziqhubekayo zokukhokhelwa kumele zikhokhwe ngosuku oluhleliwe ukuthi lolu hlelo lufanelekile, unezimo ezincane kakhulu kunezimo zakho zokukhokha kwe-COBRA. Kukhona isikhathi esincane seminyaka engu-30 somusa wokukhokha kwe-premium eyedlule. Uma ungenzi inkokhelo yakho ye-premium noma ngesikhathi noma ngaphakathi kwenkathi yomusa wezinsuku ezingu-30, ukufakwa kwakho kungakhanselwa unomphela.
Kwenzekani uma wenza ukukhokhelwa kwakho kwepayimali sekwephuzile, kodwa usengakapheli isikhathi somusa wezinsuku ezingu-30? Ukufakwa kwakho kuzobe kukhanseliwe, kodwa ungayithola .
Uma uhlelo lwakho lwezempilo lungakutholanga inkokhelo yakho ngosuku olufanele, unelungelo lokukhansela ukufakwa kwakho ngosuku lokuqala lwaleso sikhathi sokuhlanganisa. Kodwa-ke, kufanele ubuyekeze ukufaka kwakho uma wenza inkokhelo yakho ngaphakathi kwenkathi yomusa wezinsuku ezingu-30. Ukukhishwa okubuyiselwe kuzobe sekubuyiselwa emuva ngosuku lokuqala lolo hlelo lokufaka.
Isibonelo
Ake sithi usu-COBRA ukuqhubeka umshuwalense wezempilo ezinyangeni ezingu-6. Uhlelo lwakho lwezempilo lubeka uMeyi 25 njengosuku olufanele lokukhokhwa kwakho okuqala kusukela ngoJuni 1 kuya kuJuni 30. Uphuthelwa umhlaka-25 Meyi. Ukukhishwa kwomshuwalense wakho wezempilo kukhanseliwe ngoJuni 1 st .
Uphula ikhanda lakho ngoJune 10 futhi uqoqe isikweletu segumbi lokuphuthumayo nge $ 4,000.
Ngomhla ka-15 kuNhlangulana, ukhuluma ngeposi eposini ngemishini, uthumele imali yakho yokukhokhela imali yokuqala ye-COBRA esikhathini esingakapheli izinsuku ezingama-30. Inkampani yakho yomshuwalense wezempilo kufanele ubuyisele kabusha ukufaka kwakho. Ukusabalalisa kubuyele emuva kuJuni 1.
Ezinsukwini ezimbalwa emva kokuthumela ukukhokhelwa kwakho kwe-COBRA sekupheleni, uthola ibhilikhithi kusuka ekamelweni eliphuthumayo ethi unayo yonke imali engu- $ 4,000. Ikhansela lokukhokhisa igumbi lokuphuthumayo lithi isimangalo sakho senqatshelwe ngoba umshuwalense wakho wezempilo awuzange usebenze ngosuku othola ngalo ukunakekelwa.
Uchaza ukuthi ukhokhele i-COBRA yakho premium emuva kwesikhathi, kodwa ngesikhathi sokunakekelwa, nokuthi umshuwalense wakho wezempilo we-COBRA ubuyiselwe emuva kokufakwa kokubuyisela emuva kuJuni 1.
Ucela ukuthi athumele isimangalo kumshuwalense futhi. Lesi sikhathi, umshuwalense wakho wezempilo ukhokhela ingxenye yawo yesikweletu, ekushiye ukhokhe imali yakho yokubambisana nokukhokhela imali .
Uma ngabe ulinde kuze ku-Juni 26 ukuze wenze inkokhelo yakho ye-premium ye-COBRA ephuzile, ngabe ngabe ungaphasi kwenkathi yomusa wezinsuku ezingu-30 futhi ukukhishwa kwakho kwe-COBRA bekuyokhanselwa unaphakade. Ungeke uqinisekiswe, futhi awunaso usizo lokukhokhela lo mthetho we-ER. Isikhathi somusa sezinsuku ezingu-30 sibalwa kusukela ngosuku lokuqala oluyimali, hhayi kusukela ekuqaleni kwesikhathi sokuqhathaniswa.
Funda kabanzi mayelana ne-COBRA
Ezinye izindlela zokwenza umshwalense wezempilo eCOBRA
I-COBRA Vs Obamacare-Yikuphi Okungcono?
Ingakanani Imali Yomshuwalense Wezempilo COBRA?
Imithombo
Imibuzo Ebuzwa Ngokuphindaphindiwe: UkuHlaliswa Kwezempilo kwe-COBRA, uMnyango Wezabasebenzi wase-United States. http://www.dol.gov/ebsa//faqs/faq_compliance_cobra.html
Umhlahlandlela Womqashi Wokubambisana Nokuqhubeka Kompilo ngaphansi kwe-COBRA - Umthetho Wokuhlanganiswa Kwemali Yezokuhlaziywa Kwezimali Ze-Omnibus ka-1986, uMnyango Wezisebenzi Zase-United States, Ukuphathwa Kwezokuphepha Kwezisebenzi. http://www.dol.gov/ebsa/pdf/cobraemployer.pdf