Unayo izinzuzo zempilo nokukhubazeka ngokusebenzisa umqashi wakho? Ungabe uphendula imibuzo enemininingwane mayelana nezinzuzo zakho zezempilo nokukhubazeka? Kubalulekile ukuthi wazi futhi uqonde imininingwane manje, ngaphandle kokulinda uze udinga ukuwasebenzisa. Uma une- arthritis futhi uqhubeka nokusebenza , izinzuzo zakho zibalulekile njengesikhokhelo sakho.
Kamuva, uma uyeka ukusebenza, ungase ufanelekele Izinzuzo Zokukhubazeka Ezokuphepha Komphakathi , kodwa manje, sixoxa ngalokho okufanele ukwenze ngokusebenzisa umqashi wakho.
Ukufaneleka kweziNzuzo zokukhubazeka
- Ingabe udinga ukugcina inombolo ethile yamahora okuhleliwe ukuze uhlale unelungelo lokuthola izinzuzo zezempilo nokukhubazeka?
- Kwenzekani ezinsizeni zakho zezempilo kanye nokukhubazeka uma ushintsha kusukela ngesikhathi esigcwele ukuya esimweni sesikhathi esithile?
Akudingeki ukhathazeke ngalokhu? Uzocabanga nje ukuthi uhlanganisiwe? Cabanga futhi.
Nasi isibonelo - Umuntu wayenezinzuzo zesikhathi eside (i-Long-Term Disability (LTD) njengesisebenzi sesikhathi esigcwele. Ngenxa yesimo sezokwelapha, lo muntu wanciphisa amahora abo ukuze asebenze isikhathi esithile, ehlose ukubuyela esimweni esigcwele isikhathi lapho isimo sabo sezokwelapha sithuthukisiwe. Isimo sabo asizange sithuthukise, siphoqelela umuntu ukuthi ashiye umsebenzi wakhe. Ngenxa yokuthi bayeka esikhundleni se-time-time status, babengenelungelo le-LTD. Lo muntu waba ongagunyaziwe ku-LTD uma beya esimweni sesikhathi esithile, nakuba basebenza iminyaka eminingi njengesisebenzi sesikhathi esigcwele.
Ukukhuluma ngokwezezimali, bekuyobe kunenzuzo kakhulu ukuyeka ukuma kwesimo esigcwele isikhathi lapho i-LTD inzuzo isebenza.
- Ingabe umqashi wakho unikeza uhlelo lwe-Disabled Term (STD) noma i-Long-Term Disability (LTD)?
- Uyini umnikelo wesisebenzi odingekayo ukuba ube nesifo se-STD noma i-LTD?
- Yimaphi amaphesenti akhokhelwayo oqhubekayo ukudweba ngesikhathi sakho sokukhubazeka, futhi kube nini?
Abantu abasebenza futhi bekhubaza izimo zezokwelapha, njenge- arthritis ye-rheumatoid , kumele baqaphele ikakhulukazi imininingwane yezinzuzo zabo. Izenzakalo ezishintsha ukuphila zenzeka. Kubalulekile ukuqaphela ukuthi izinguquko ozenzayo esimweni sakho somsebenzi zingathinta ukufaneleka kwakho kwezinzuzo zezempilo nokukhubazeka. Lokhu akusho ukuthi ukukhubazeka akunakugwemeka isifo samathambo, kodwa kufanele kube esikhathini esizayo, ufuna ukumbozwa.
Kungumthwalo Wakho Wokukwazi Imininingwane
Ungaba nemibuzo eminingi mayelana nezinzuzo zomsebenzi. Ukuthola izimpendulo kuwumthwalo wakho. Buza iMenenja yezokuSebenzi yabasebenzi ku-Employee Benefits Handbook uma ulahlekelwa lowo owawunikezwa kuqala.
Phakathi nomsebenzi wakho, izinketho zakho zezempilo zingashintsha. Uma uhlelo lwakho lwezempilo lushintsha:
- Wena nomndeni wakho uzothinteka kanjani?
- Ingabe udokotela wakho usekhona ohlwini lwabahlinzeki?
- Ingabe ikhokha lakho lokukhokha liguquliwe?
- Zikhona yini amadeductibles kanye nemingcele yokufinyelela?
Kwenzekani Ezinzuzo Zempilo Yakho Uma Ushintsha Imisebenzi?
I-HIPAA (uMthetho Wokubheka Umshuwalense Wezempilo Umthetho ka-1996) ngumthetho ongakusiza ukugwema ukulahlekelwa izinzuzo onazo uma usuka kwelinye icebo ukuya kwelinye.
I-HIPAA, noma kunjalo, inikeza ukuvikeleka okuncane uma usuka ohlelweni lwezempilo iqembu elihle ukuya ohlelweni lwezempilo olulodwa, noma uma ungenawo umshuwalense. Ngokusho kwe-HIPAA:
- Izinhlelo zezempilo zeqembu azikwazi ukuphika isicelo sakho esisekelwe kuphela esimweni sakho sezempilo.
- Uma ushintsha noma ulahlekelwa imisebenzi, i-HIPAA imingcele engavumelekile kumshwalense wezempilo ngemibandela ekhona ngaphambili.
- Uma ushintsha noma ulahlekelwa imisebenzi, i-HIPAA iqinisekisa ukuvuselelwa kabusha nokutholakala kokutholakala kwezempilo kwabasebenzi abathile kanye nabantu ngabanye.
- I-HIPAA ithi awukwazi ukuphikwa ukukhishwa ngenxa yokugula kwengqondo, ulwazi lofuzo, ukukhubazeka, noma izimangalo ezedlule.
- Imithetho ye-HIPAA isebenza kuwo wonke amahlelo ezempilo eqenjini lomqashi onokungenani ababambiqhaza ababili abasebenza njengamanje, kuhlanganise nalabo abazimele. Izizwe zinikezwe ithuba lokusebenzisa imithetho yeqembu "kumaqembu omunye", ukusiza abantu abaziqashile.
- Ukukhishwa komshuwalense akuqinisekisi ukuthi uzothola izinzuzo ezifanayo, amaphrimiyamu, ukukhokhela, noma ukukhipha imali uma usuka kwelinye uhlelo lwezempilo ukuya kwelinye.
- Iningi lemali yezempilo inokwethenjelwa, okusho ukuthi, uhlelo lwakho olusha lwezempilo kufanele lunikeze isikweletu ngesikhathi osibhalisile kuhlelo lwakho langaphambilini bese ulususa esikhathini sakho sokubanjwa. (Isibonelo - uma unezinyanga ezingu-12 noma ngaphezulu zokuqashwa kweqembu okuqhubekayo, ngeke ube nesimo sokulinda esimweni esivele sikhona kuhlelo lakho leqembu elisha. Ukugcina ukufaka kwakho "okuqhubekayo" ngeke kuphele isikhathi esingaphezu kwezinsuku ezingu-62.)
Yini i-COBRA? Kungakusiza Kanjani?
Ukuqhutshelwa kokuqhubeka kwe-COBRA kunika abasebenzi kanye nabathembeki babo abashiya uhlelo lwezempilo lweqembu lomqashi ithuba lokuthenga nokulondoloza impilo efanayo yeqembu isikhathi eside (ngokuvamile, 18, 29 noma izinyanga ezingu-36) ngaphansi kwezimo ezithile. I-COBRA ingasiza ekuxhumaniseni igebe. Ngaphansi kwemithetho ye-HIPAA, i-COBRA ibalwa njengengqalasizinda yezempilo yangaphambilini, uma nje kungenakho ukufakwa kwezinsuku ezingu-63 noma ngaphezulu.
Ulwazi oluhlobene
- Ukulahlekelwa kweJobe: Abasebenzi Abaqakathekile Bokwaziswa Bakudinga Ukukwazi Ukuvikela Ukuvikelwa Kwabo Kwezempilo
- Vikela Izimali Zakho Ngomshuwalense Wokukhubazeka