Ogwira Ntchito ndi Ogwira Ntchito Ayenera Kudziwa Zokhudza Malamulo a COBRA

Anthu Osowa Ntchito Ayenera Kuganiza Zomwe Amafunika Kulipira COBRA

Congress idapatsa Consolidated Omnibus Budget Reconciliation Act (COBRA) mu 1986. Imaonjezera kusintha kwa Employee Retirement Income Security Act, Internal Revenue Code, ndi Public Health Service Act kuti apitirize kulandira chithandizo chamagulu.

COBRA inakhazikitsa malamulo omwe amapereka antchito amene amalephera kulandira thanzi lawo chifukwa cha kusowa ntchito, ufulu wosankha kupitilira phindu lachipatala cha gulu lomwe limaperekedwa ndi dongosolo lawo la thanzi la gulu.

Mapinduwa amathandizidwanso kwa mabanja omwe adataya ntchito zawo.

Zopereka zaumoyo izi zingaperekedwe kwa nthawi yochepa nthawi zina, malinga ndi malamulo a COBRA.

Malamulo a COBRA amanena kuti ngati ntchito yodzifunira kapena yopanda ntchito, kuchepa kwa maola ogwira ntchito, kusintha ndi zochitika za moyo monga imfa, kusudzulana, ndi kusowa ntchito kungapangitse anthu kuti apitirizebe kulandira chithandizo chamankhwala atatha.

Anthu oyenerera angapangidwe ndi abwana kulipira ndalama zonse za inshuwalansi za chithandizo chaumoyo mpaka 102 peresenti ya mtengo wapulani.

COBRA Regulations

Malamulo a COBRA amanena kuti ndondomeko ya inshuwalansi ya umphawi yogwiritsidwa ntchito ndi abwana, omwe ali ndi antchito 20 kapena angapo m'chaka chotsatira, ayenera kupereka chithandizo chotsatira kupyolera mwa njira ya COBRA.

Olemba ntchito ayenera kuchenjeza oyang'anira ndondomeko yaumoyo pasanapite masiku 30 wogwira ntchito akuyenera.

Konzani ophunzira ndi opindula kawirikawiri amatumiza chidziwitso cha chisankho cha COBRA mkati mwa masiku 14 a chidziwitso cha pulani. Ngati zakhala zoposa milungu iwiri kuyambira mutatha ndipo simunamvepo kanthu, chonde pitani ku Dipatimenti ya HR . Munthu ali ndi masiku 60 kuti asankhe kusankha chithandizo cha COBRA chithandizo chamankhwala ndi masiku 45 mutatha kusankha kusankhidwa kulipira poyamba.

Kodi Muyenera Kugwiritsa Ntchito COBRA?

Mukasiya ntchito (kaya mwadzidzidzi kapena mwadzidzidzi) ndipo mulibe ntchito yatsopano yomwe imapereka inshuwalansi ya umoyo, mukhoza kufunsa ngati mukufuna kulemba COBRA. Inde, mukufunikira inshuwalansi ya mtundu wina, koma COBRA ikhoza kutero kapena ayi.

Pansi pa Chithandizo Chamankhwala Chothandizira (ACA), mungagwiritse ntchito inshuwalansi ya umoyo kupyolera mu mgwirizano wa federal kapena boma wa inshuwalansi mkati mwa masiku 60 pamene chithandizo chanu cha umoyo chimatha. Muli ndi masiku 60 omwe mungasankhe za kulandira chithandizo cha COBRA. Ndikofunika kuzindikira kuti 2017 inali chaka chosokoneza chifukwa cha mtengo wothandizira ntchito. Nkhondo zowonongeka mu Congress, kusinthasintha thandizo kuchokera kwa ogwira ntchito zaumoyo, ndi kuopseza kwasintha kwabasi kulipira ambiri akukumana ndi tsogolo losatsimikizika.

Ngakhale kuti Congress sinafikepo powononga lamulo, otsutsa a ACA adzapitiriza kugwiritsa ntchito mphamvu zawo zonse kuti athe kufooketsa ndalamazo mu 2018 ndi kupitirira. Obwezera ayenera kuyembekezera kuti kusintha kwa ACA kukakhudzidwa ndi mitengo yowonjezera ndipo kuwonjezera zovuta pa msika wokonza mapulani aumoyo, kotero muyenera kuyang'ana pa izi.

Pakalipano, mungathe kuyerekeza mtengo ndi phindu la dongosolo lililonse. Ngati panopo mukuchiritsidwa, zingakhale zofuna kuti mupite ndi COBRA kotero simukusowa kusintha madokotala kapena mapulani a mankhwala.

Ngakhale, ngati simukusangalala, ino ndi nthawi yosintha.

Mosasamala za kusankha komwe mumapanga, mumakhala nawo kwambiri mpaka nthawi yotsatira yolembera , kapena COBRA imatha. Inde, ngati muli ndi zofunikira pamoyo wanu, monga kukwatira munthu amene ali ndi chithandizo chamankhwala omwe angakuwonjezereni ku ndondomeko yawo, mukhoza kusintha pa nthawiyo. Zonse zomwe mungasankhe, ndizofunika kuti muthane nazo kufikira mutapeza ntchito yatsopano ndi kulengeza zaumoyo.

Yerekezerani mosamala ndalamazo. Mutha kuwononga ndalama za mwezi uliwonse za COBRA motsatira ndondomeko ya ACA, koma onani zinthu monga zopindulitsa ndikuzindikiranso zomwe zingakhale zabwino kwa inu ndi banja lanu.

Ngati mwangotayidwa kapena kuthamangitsidwa, mukhoza kuopa kwambiri ntchito yanu yomwe simungathe kutenga nthawi yoganizira inshuwalansi ya thanzi lanu. Musapange zolakwitsa zimenezo.

Chinthu chotsiriza chomwe mukufuna kuchita ndicho kutha kwazidziwikanso, zomwe zingatheke ngati simungapange malingaliro anu masiku 60.

Musamawopsyeze ngati mukudwala chimfine kapena kuswa mwendo. COBRA ikubwezeretsanso ku tsiku lomalizira la kufalitsa kampani, malinga ngati mutayina ndi kulipira malipiro anu mkati mwaloledwa masiku 60.

Zambiri Zokhudza Makhalidwe a COBRA