I-COBRA Inweba Umsebenzi Womshuwalense Womsebenzi
UMthetho Wokuhlanganiswa Kwezimali Zomnotho Omnibus, owaziwa nangokuthi yi-COBRA, udinga abaqashi ukuba baqhubeke nokuhlinzeka ngempilo noma ngemishwalense yezokwelapha kubasebenzi noma emindenini yabo emva kwemicimbi ethile efanelekayo. Ukwandiswa okulinganiselwe kokubheka kunganika isikhathi ukudlulisela ohlelweni olusha lokunakekelwa kwezempilo.
Yini i-COBRA?
Uma ushiya umsebenzi wakho ngokuzithandela noma unqanyuliwe ngenxa yezizathu ngaphandle kokungaziphathi kahle okuphezulu, ungakwazi ukunweba ukuhlanganisa kwakho izinyanga ezingu-18, kanye nezinyanga ezingu-11 ezengeziwe uma ukhutshaziwe.
Lokhu kusebenza futhi uma amahora omsebenzi wakho anciphisa kuze kube yilapho ungasakwazi ukuthola umshwalense wempilo yomqashi wakho. Oshade naye noma izingane zingase ziqhubeke nokuhlinzekwa kwezinyanga ezingu-18 ezengeziwe uma kukhona umcimbi wesibili ofanelekayo, njengomhlalaphansi wakho, isahlukaniso noma ukufa.
Kuneziqu ezengeziwe ze-COBRA nezinkampani zabaqashi. Isibonelo, i-COBRA isebenza kuphela kubaqashi abanabasebenzi abangu-20 noma ngaphezulu. Bangase babe ngabaqashi abazimele, izinhlangano zabasebenzi, noma abaqashi bakahulumeni basekhaya noma basekhaya. Thola ulwazi oluthe xaxa mayelana neziqu zomqashi kanye nemithetho kwi-website ye-US Department of Labor ye-COBRA.
Kwamanye amazwe athi, kukhona ukuqhutshwa kombuso ngokusekelwe kwabasebenzi abasebenza ezinkampanini ezincane futhi abanakho ukufinyelela ku-COBRA.
Indlela yokufaka isicelo se-COBRA Ukuvakasha
Uma usulungele ukushiya umsebenzi wakho, umqashi wakho kufanele akunike ulwazi lwe-COBRA oluzofaka izinyathelo ozodinga ukuthatha ukwandisa ukufaka kwakho ngemuva kokushiya umsebenzi wakho.
Uma ungakamukeli lolo lwazi zingakapheli izinsuku ezingu-14, xhumana nomnyango we-HR yomqashi wakho bese ubacela ukuba banikeze yona.
Unezinsuku ezingu-60 zokunquma ukuthi noma cha ukuqhubekela phambili yini nge-COBRA. Lokhu kuzokunika isikhathi sokubona ukuthi yikuphi okunye ukutholakala okungatholakala. Ngeke ube nezikhala ezitholakala ngaphansi kwecebo lakho langaphambili uma nje wenza isinqumo ngosuku lwe-59.
Unomthwalo wemikhokhelo yakho ye-COBRA esebenza ngaleso sikhathi. Ukukhishwa kwakho kwe-COBRA kuzobekwa yisikhathi ngakho kuhlanganisa noma yiziphi izindleko zezokwelapha ozibandakanye phakathi naleso sikhathi.
Qinisekisa ukuthi awudluli iwindi lezinsuku ezingu-60 ngaphandle kokufaka isicelo sesinye uhlelo lokunakekela impilo. Kungase kudingeke ugcwalise igebe ngomshuwalense wezempilo wesikhashana uma ulindele umshwalense wezempilo omqashi omusha ukuze usebenze. I-Medicaid ingase ibe yindlela ongakhetha kuyo.
Ukubheka kwakho ngaphansi kwe-COBRA
Uma usebenzisa ngokunenzuzo i-COBRA, uhlelo lokuthola ulwazi oluzoba nalo yilokho okwakunakho ngesikhathi somcimbi owabangela ukulahlekelwa kwakho kwempilo yomqashi. Lolu hlelo ngokwayo ngeke luguquke ngaphandle kokuthi ukhethe uhlelo olusha lapho isikhathi sokubhalisa esivulekile sizungezile.
Ngomshuwalense wezempilo owodwa njengoba wawunakho ngaphambilini, ngeke kudingeke ushintshe odokotela futhi uzoba nokuqinisekiswa okufanayo, okudonswayo , kanye nekhophi okusetshenziselwa ukukhokha.
Izindleko ze-COBRA Ukuvakasha
Abaqashi bavunyelwe ukukukhokhisa, umsebenzi wabo wangaphambili, amaphesenti angu-102 ezindleko zabo zomshuwalense. Yiqiniso, amaphesenti angu-100 ahlanganisa izindleko zomqashi ukukuqinisekisa. Amaphesenti angaphezulu angu-2 ahlanganisa noma yiziphi izindleko zokuphatha umqashi kumele azidle ukuze anakekele amaphepha.
Enye imibimbi yukuthi uma uthola ukunwetshwa kwenyanga yokugcina ukukhubazeka kwezinyanga ezingu-11, ukukhokhelwa kwakho kulezi zinyanga ezingeziwe kungakhulelwa ngamaphesenti angu-150 wezindleko zokuqapha kwepulani.
Abasebenzi bavame ukushaqeka ngalokho okuzokhokhelwa khona yi-COBRA. Ngokuvamile, i-premium yakho ngenkathi iqashiwe yayiyingxenye yesamba semali yomshwalense wezempilo yakho yonke ngenkathi umqashi wakho akhokhela iphesenti noma ngisho nezindleko. Manje uzothatha zonke izindleko.
Ngeshwa, njengoba kubiza ukukhangisa kwe-COBRA kungase kubonakale, cishe kuzodla imali engaphansi komshuwalense wezempilo. Qhathanisa izindleko kanye nokwaziswa ukuqinisekisa ukuthi kuyisinqumo esingcono kakhulu.
Ungaba nenketho engabizi ephansi emakethe yokunakekelwa kwempilo ngabanye.
Ubude be-COBRA Ukuvakasha
Ezimweni eziningi, lowo owayengumsebenzi noma ilunga lomndeni angagcina inshuwalense yezempilo ye-COBRA izinyanga ezingu-18 ngemuva kokuphela komsebenzi wokugcina. Uma umuntu ombozwa nge-COBRA ekhutshaziwe, izinzuzo zingase zandiswe izinyanga ezingu-11 ngaphezulu. Izinkokhelo ziyokwandisa kulolo lwandiso.
Qaphela ukuthi uma ulahlekelwa inkokhelo ye-COBRA yanyanga zonke, uzolahlekelwa ukufakaza futhi ngeke ukwazi ukuwubuyisela. Uhlelo aludingeki ukuthi likuthumele umthethosivivinywa, ngakho-ke uzodinga ukuqinisekisa ukuthi wenza izinkokhelo zakho.
Amalungu omndeni (oshade naye noma umntwana othembekile) angathola isandiso sezinyanga ezingu-18 uma kukhona umcimbi wesibili ofanelekayo. ukuletha ubude bawo obuphelele bokufinyelela ezinyangeni ezingu-36. Lezi zenzakalo kuzoba ukufa komsebenzi oveziwe, ukuhlukaniswa noma ukwehlukana ngokomthetho, ukufaneleka kweMedare ngezimo ezithile, noma ukulahlekelwa isimo sesimo esincane esingaphansi komuntu. Umcimbi wesibili kumele ube yinto eyayiyobangela ukuba umzuzi oqeqeshiwe alahlekelwe ukufakwa ngaphansi kwepulani uma ngabe umcimbi wokuqala owufanelekile ungakaze kwenzeke.
Indlela Yokulungiselela Ukuphela Kobukhulu Bakho be-COBRA
Ngenkathi usazohlanganiswa ngaphansi kwe-COBRA, qapha amanani entengo entsha yomshuwalense wezempilo ongayishintsha uma ukuphela kwekhasi lakho le-COBRA liphela. Ungase futhi ufune ukuhlola ukuthi ngabe usufanele yini ukuthola i- Medicaid .
Uma ngabe uMnyango WezeMpilo Wemali Yomshwalense WezeMpilo ongenakunakekelwa uyatholakala kuwe, hlola usuku lokubhalisa okuvulekile. Ungabhalisa phakathi naleso sikhathi noma nini lapho kwenzeka lapho uhlanganiswa yi-COBRA. Uzokwazi futhi ukubhalisa kwi-Marketplace ekupheleni kwezinzuzo zakho ze-COBRA, ngoba lokho kuyisenzakalo esifanelekayo. Noma kunjalo, inothi lokuthi izinguquko ku-Care Affordable Act izoba nomthelela kulokho okukhethwa kukho futhi kufanele uhlole ukuze ubone ukuthi isatholakala yini.
Izwi elivela
Ithemba lokulahlekelwa yomshuwalense wezempilo uma isimo sakho somsebenzi sishintsha singasikhathazeka kakhulu, ikakhulukazi uma ususelwa ngaphansi kwesimo noma ufuna ukuqinisekisa ukuthi umndeni wakho unenzuzo yokunakekelwa kwezempilo. Hlola izinketho zakho futhi wazi amalungelo akho. Izinguquko emithethweni yokunakekelwa kwezempilo zingathinta nokukhetha okuzokwenza ngaphandle kwe-COBRA.
> Imithombo:
> Umhlahlandlela womsebenzi wezinzuzo zezempilo ngaphansi kwe-COBRA. UMnyango WezeMisebenzi waseMelika. https://www.dol.gov/agencies/ebsa/about-ebsa/our-activities/resource-center/publications/an-employees-guide-to-health-benefits-under-cobra.pdf.
> Umhlahlandlela womqashi wokuBamba iqhaza lokuPhila kweMpilo ngaphansi kwe-COBRA - UMthetho Wokuhlanganiswa Kwemali Yezokuhlaziywa Kwemali Ye-Omnibus ka-1986. UMnyango WezeMisebenzi waseMelika. https://www.dol.gov/sites/default/files/ebsa/about-ebsa/our-activities/resource-center/publications/an-employers-guide-to-group-health-continuation-coverage-under- cobra.pdf.