COBRA

Phunzirani za Consolidated Omnibus Budget Reconciliation Act

COBRA (Consolidated Omnibus Budget Reconciliation Act) amapereka antchito ena, okwatirana, omwe kale anali okwatirana, ana, ndi omwe amapuma pantchito omwe amatha kupindula ndi thanzi lawo mwayi woti apitirize kupindula ndi thanzi lawo lomwe limaperekedwa ndi kagulu kake ka thanzi kawirikawiri pamagulu. Kuyenerera kumachitika pazinthu zina monga kudzipereka mwadzidzidzi kapena mopanda ntchito , kuchepetsa maola ogwira ntchito, kusintha pakati pa ntchito, imfa, chisudzulo, ndi zochitika zina za moyo.

Kawirikawiri, kufalitsa kwa COBRA kumatenga kwa miyezi 18, ngakhale kuti nthawi zina, ikhoza kutalikitsa.

Momwe COBRA Works

Ndondomeko zaumoyo zamagulu zomwe zimagwira antchito 20 kapena angapo akuyenera kupereka zopindulitsa za COBRA. M'madera 40, pali Cobra yaing'ono ngati malamulo omwe amagwiritsidwa ntchito kwa makampani ang'onoang'ono, makamaka omwe ali ndi antchito 2-19. Olemba ntchito sayenera kulipira ndalama zothandizira inshuwalansi yapamwamba ya ogwira ntchito pansi pa COBRA. Wogwira ntchitoyo ndi amene amachititsa msonkho wa mwezi uliwonse, mpaka 102 peresenti yamtengo wapatali.

Makampani ambiri, inshuwalansi ya umoyo imathandizidwa ndi abwana. Izi zikutanthauza kuti antchito sapereka ndalama zonse, koma gawo limodzi, kapena nthawi zina, antchito samalipiritsa ndalama za inshuwaransi konse. Choncho malipiro a COBRA angakhale otsika kwambiri poyerekezera ndi antchito omwe akugwira ntchito kudzera mwa abwana awo omwe akugwirabe ntchito. Phindu liri kukhalabe ndi ofanana ndi inshuwalansi pamene mukufufuza ntchito yatsopano kapena kudziwitsa masitepe otsatirawa - simudzasowa kusinthanitsa madokotala ndipo mtengo wa malamulo anuwo udzakhalabe wofanana.

Ngati mukuyenera kulandira thandizo la COBRA, bwana wanu akufunika kuti adziwe kampani ya inshuwalansi ya umoyo, chifukwa ikuyeneretsani kuti mupereke chithandizo. Mudzakhala ndi masiku 60 kuti muone ngati mungakonde kulowa mu COBRA. Simungathe kulembedwa.

Ngakhale mutatha kusankhapo, malipiro anu oyambirira sali oyenera nthawi yomweyo koma ayenera kupangidwa pasanathe masiku 45 a chisankho cha Cobra.

Malipiro onse amwezi pamwezi amakhala ndi chisomo ndipo sakuyenera kufikira masiku 30 a tsikulo

Izi ndi zopindulitsa kwambiri - ngati mukuganiza kuti mutha kupeza ntchito yatsopano ndi inshuwalansi musanayambe kubweza ngongole, mukhoza kuchedwa kulipira mpaka mphindi yomaliza, podziwa kuti kutsegula kwanu kukubwezeretsani.

Lumikizanani ndi Dipatimenti Yogwira Ntchito ku US, Employee Benefits Security Administration, 866-444-3272 kuti mudziwe zambiri. Lumikizanani ndi Dipatimenti Yachigawo Yachigawo Ngati mukugwira ntchito kwa abwana ogwira ntchito osachepera 20 ndipo muli ndi mafunso okhudza malamulo a mini-Cobra.

COBRA ndi katundu wodalirika ntchito
Chigawo cha Affordable Care Act (ACA) mwa njira zina chinachepetsa kufunika kwa COBRA. Izi ndichifukwa chakuti ACA imapereka njira yosavuta kuti anthu agule inshuwalansi ya thanzi. Ndizotheka kuti kugula inshuwalansi kudera lakumsika komwe mukugwiritsira ntchito pathanzi kungakhale kocheperapo kusiyana ndi kukhala ndi inshuwalansi ya umoyo wanu.

Pambuyo pa ACA, COBRA inalinso phindu lofunika chifukwa linalimbikitsa chisamaliro chokhazikika - izi zinali zofunika kwa anthu omwe analipo kale, omwe anayesetsa kupeza inshuwalansi. Pansi pa ACA, palibe amene angakanidwe kapena kulipira zambiri pa inshuwalansi ya umoyo chifukwa cha thanzi lawo.

Kuonjezera apo, ndalama zothandizira anthu okalamba sizingakhale zochuluka kuposa katatu monga momwe zilili kwa achinyamata.

Nazi zina mwazifukwa zomwe muyenera kukumbukira pamene mukuganiza ngati mukufuna kulowa mu COBRA kapena kugula dongosolo pansi pa ACA:

• Mtengo: Monga tafotokozera pamwambapa, nkotheka kuti kufalitsa m'deralo kungakhale wotsika mtengo pansi pa ACA. Komabe, zochitika za posachedwa ndi boma la federal zatsogolera kuwonjezeka kwa ndalama za ACA inshuwalansi zomwe mungapereke pogwiritsa ntchito mpikisano. Kuchotsedwa kwa udindo kwa anthu payekha kukhala ndi inshuwalansi ndi kufalikira kwa mwayi kuti maboma apereke njira zochepa zolimbitsa ntchito ACA zomwe zakhala zikugwiritsidwa ntchito zowathandiza kuti anthu ena omwe ali ndi thanzi labwino akuchoke ku ACA ndi kukweza ndalama zothandizira anthu omwe ali ndi thanzi labwino. Kuonjezera apo, kukana kwa Purezidenti Trump kutsimikizira mtengo wopereka chithandizo ku boma kwachititsa kuti maphwando apitirire.

Pansi pa ACA, palinso ndalama zopezera ndalama zomwe zilipo. Ngati munthu agula kutumiza kudzera kusinthanitsa m'malo mwa COBRA, chithandizocho chimachokera pa zomwe mumapeza patsiku lomwe ndondomekoyi ikugwira ntchito. Mwa kuyankhula kwina, ndalama zothandizira zimachokera pa zomwe mumapeza m'chaka chomwe mumagwiritsa ntchito, kuphatikizapo kulowetsa mu ndalama mutatha ntchito yanu. Komabe, nthawi zina, olemba ntchito akhoza kubweza malipiro a mwezi wa COBRA monga gawo la phukusi lokhazikitsidwa; ngati ndi choncho, COBRA imakhala njira yopindulitsa kwambiri.

Zosangalatsa: Ngati muli pakati pa chithandizo chamankhwala, kusunga madokotala omwewo ndi momwe mungathere kungakhale kofunikira kwambiri. Anthu ena angasankhe kusunga COBRA mosasamala mtengo wake chifukwa cha kudziŵa ndi mtendere wamaganizo. Ndiponso, kupeza ndondomeko yomwe imagwirizana ndi zosowa zanu pamsika wa dziko lanu kumatenga nthawi; zingamawoneke zosavuta kuti ukhale ndi inshuwaransi yaumoyo yomwe ukuidziwa kale, makamaka.

Pulogalamu ya Banja la Henry J. Kaiser ili ndi Subsidy Calculator yomwe idzawonetsa ndalama zosiyanasiyana za inshuwaransi ndi malipiro omwe ali ndi malipoti ochepa a pakhomo.