Kungani Ukuhlanganyela Ulwazi Akudingeki Kuhlale Kudingekile
Kuvamile kubahlinzeki bokunakekelwa kwezempilo ukukubuza inombolo yakho yokuphepha yomphakathi lapho ufuna usizo lwezokwelapha. Ezimweni eziningi, abantu bayokwenza ngaphandle kokukhononda, kodwa kudingekile yini ngesikhathi ingozi yokubamba ubugebengu iphezulu?
Ukuqonda umthetho we-FTC Red Flag
Iqiniso liwukuthi, kuze kube maduzane, abahlinzeki bezempilo bawela ngaphansi kwalokho okubizwa ngokuthi yi-FTC Red Flag Rule.
Umthetho wasungulwa ngo-2007 yi-US Federal Trade Commission (FTC) njengendlela yokuvimbela ukwebiwa kwezimpawu ngokudinga bonke ababolekisi ukuba baqoqe izinombolo zezokuphepha zezenhlalakahle nezinye izingcezu zolwazi lomuntu siqu. Odokotela nabanye ochwepheshe bezezempilo babephakathi kwalabo okudingeka bazithobele ngenxa yamanani okwandisa ukwebiwa kwezokwelapha .
Cishe ngokushesha lapho ihamba khona, isinqumo sasinselele ngabahlinzeki bezempilo abaphikisa ukuthi akufanele babhekwe njengababolekisi ngendlela efanayo nekhadi lesikweleti noma izinkampani zokuboleka imali. Kwakuyimpikiswano eyagcina ikhokhwe. Ngaphansi konyaka ngemuva kokuqulwa kwesinqumo, iCongress yanquma ukubuyekezwa komthetho futhi ususe ochwepheshe bezempilo ohlwini.
Njengalokhu, kuyilapho odokotela bengase bacele inombolo yakho yezokuphepha, akusikho emthethweni kodwa kunomyalelo wehhovisi lodokotela ngokwayo.
Kungani Odokotela Bafuna Izinombolo Zokuphepha Komphakathi
Odokotela bacela Izinombolo Zokuvikeleka Komphakathi ngesinye sezizathu nesizathu esisodwa kuphela: isiqinisekiso sokukhokha.
Iqiniso liwukuthi abantu abaningi e-United States abakhokheli izikweletu zabo, futhi odokotela kaningi abakutholakali uma bengakwazi ukulandelela lowo muntu phansi. Njengesihlonzi esisodwa somhlaba wonke sababantu baseMelika, izinombolo zezokuphepha zezenhlalakahle zinikeza odokotela umgogodla wokugcina ukuqoqa esikweletini uma umuntu evuka futhi ephela.
Kunjengokungathi kuncane kunenkinga abanye abanye abangacabanga. Ngokombiko we-American Hospital Association, imali engaphezu kwamaRandi ayizigidi eziyizigidi ezingu-40 zamaholo esibhedlela ayikhokhwa minyaka yonke. Lokhu akubandakanyi odokotela abasebenza ngasese noma ezinye izinhlobo zokunakekelwa okusekelwe esibhedlela. Kuyinkinga enkulu ekhonza ukushayela izindleko zezempilo emhlabeni wonke.
Ngaphezu kwalokho, akubona odokotela abacela lezi zinombolo. I-Medicare, i-Medicaid, i-Veteran's Administration, futhi i-TriCare yonke idinga izinombolo ze-Social Security ukuze kusetshenzwe izicelo zokubuyiselwa. Kuye kwaba umkhuba ovamile e-US futhi omunye iziguli zikhona kodwa ziphoqelelwe ukuzithobela.
Isizathu Sokuba Akudingi Ukuhlanganyela Inombolo Yakho
Kusukela ekupheleni komthengi, akuyona into engenangqondo ukukhathazeka ngokuhlanganyela inombolo yakho yezokuphepha yomphakathi kunoma ubani, ngisho nodokotela womndeni othembekile. Unyaka ngamunye, abantu abangaphezu kwezigidi ezimbili bangisisulu sokukhwabanisa kwezokwelapha e-US, izikhathi eziningi ngoba ulwazi lwezokuphepha komuntu kanye nolwazi lomshuwalense alutholakali kahle ngemithi yokwelapha .
Uma uzizwa ungakhululekile ngokukwabelana ngenombolo yakho yezokuphepha, kukhona amathuba okuthi udokotela wakho azokutshela ukuthi kuyadingeka ngomthetho (akunjalo) noma ukuthi bayayidinga ukuze bavikele inkokhelo.
Uma unomshuwalense, lokho akuyona iqiniso
Ekugcineni, uma ihhovisi lamukela uhlelo lwakho lwe-inshuwalense, inkampani yomshuwalense isivele inenombolo yakho yezokuphepha ephephile kwifayela. Ngaphansi kwe-FTC Red Flag Rule, abahlinzeki bezempilo kumele baqoqe lolu lwazi futhi babe namandla okukuthola uma ukhona ngokukhokha.
Ngakolunye uhlangothi, uma ungenayo umshwalense futhi ungakhokhi imali ngaphambili, kungase kudingeke udokotela ukuba abuze. Ngenkathi usenqaba, kanjalo nodokotela angakwazi .
Ngaphansi komthetho, odokotela abakwazi ukwenqaba ukuphatha umuntu ngenxa yezizwe, izinhlanga, noma izinkolo. Futhi udokotela angakwazi ukubandlulula ngokusekelwe kobulili bomuntu ngaphandle kokuba ubulili bufanele kumkhuba wodokotela.
Ngaphandle kwalezi zindawo ezivikelwe, odokotela banenkululeko enkulu yokwenqaba ukwamukela abantu njengeziguli. Lokhu kuhlanganisa izinqubomgomo zabo ngokukhokha.
Ongakwenza
Uma usesikhundleni lapho ungafuni ukwabelana ngenombolo yakho yezokuphepha komphakathi kepha usayifuna izinsizakalo zikadokotela, kunezinto eziningana ongayenza:
- Cela umphathi wehhovisi ukuthi abize i-FTC ngo-877-FTC-HELP (877-382-4357) uma bekholelwa ngokungafanele ukuthi kuyadingeka ngomthetho.
- Buza uma kukhona ezinye izingcezu zokwaziswa ezingase zamukele esikhundleni senombolo yakho yokuphepha yomphakathi.
- Ukunikela ukukhokha imali kusengaphambili.
Ekugcineni, udinga ukulinganisa izinqumo zakho futhi unqume ukuthi yini ebaluleke kakhulu kuwe: izinsizakalo zodokotela noma ilungelo lakho lobumfihlo . Kukhethwa kuphela ongakwenza.
> Imithombo:
> I-American Hospital Association. "Ishidi Lamaqiniso Okunakekelwa Kwezindleko Zibhedlela." I-Chicago, i-Illinois; ikhishwe ngoJanuwari 2013.
> American Medical Association. "Vikela iziguli zakho, uvikele umkhuba wakho: Okudingayo ukwazi ngeRègle Yezimvu Zomvu ." I-Chicago, i-Illinois; ikhishwe ngo-2011.
> I-HIPAA Journal. "I-Ponemon Institute Iphrinta IsiFundo Sesishiyagalombili Sonyaka Ngokwebiwa Kwezokwelapha." USherman Oaks, eCalifornia; enyatheliswa ngoFebhuwari 23, 2015.