Zotsatira za kugubuduza kwa Roe v. Wade pa mapulani a phindu la Iressa | Spilman Thomas & Battle, PLLC

Chakumapeto kwa June 2022, Khoti Lalikulu Kwambiri ku United States linagamulapo Dobbs vs Women’s Health Jacksonkuletsa Yaiwisi vs. Wade Ndipo the Planned Parenthood vs Casey, yomwe poyamba inkavomereza kuti mkazi ali ndi ufulu wochotsa mimba mwana wosabadwayo asanakhale ndi moyo. pambuyo, pambuyo DobbsMayiko ambiri ayesetsa kuteteza chisankho cha amayi chochotsa mimba. Komabe, mayiko ena ali ndi malamulo omwe angoyamba kugwira ntchito kuti aletse kapena kuletsa kuchotsa mimba m’dera lawo kapena, monga West Virginia, ayamba kutsutsana ngati kuchotsa mimba ndikoletsedwa kapena koletsedwa.

Kwa olemba anzawo ntchito omwe amapereka mapindu a uchembele ndi ubereki kudzera mu ndondomeko za phindu la ogwira ntchito, malamulo oletsa kuchotsa mimba amadzutsa mafunso okhudza chisamaliro chaumoyo komanso ngati olemba anzawo ntchito asinthe mapulani awo kuti atsimikizire kuti akupitilizabe kupeza komanso kutsatira malamulo m’malo osiyanasiyana momwe angachitire. ntchito. Mafunso atatu oyamba omwe tidamva (ndi kuyankhidwa) ndi awa:

Funso: Bizinesi yanga imagwira ntchito m’dziko limene likufuna kuletsa kuchotsa mimba. Ngati litakhazikitsidwa, kodi lamuloli lidzakhudza bwanji kuperekedwa kwa phindu la ogwira ntchito pa uchembere wabwino?

Yankho: Zimatengera ngati mumapereka chithandizo chokwanira cha inshuwaransi kapena kudzipangira nokha inshuwaransi. Ngati muli ndi inshuwaransi yokwanira (mwachitsanzo, inu ndi antchito anu mumalipira ndalama zolipirira kukampani ya inshuwaransi yomwe imalipira ndalamazo malinga ndi ndondomekoyi), kampani ya inshuwaransi yomwe ili ndi chilolezo ndi boma lomwe limaletsa kuchotsa mimba silingathe kupereka chithandizo chochotsa mimba m’derali. Kutengera kuchuluka kwa omwe amapereka pa intaneti kapena ntchito zakunja kwapaintaneti pansi pa dongosololi, kampani ya inshuwaransi ikhoza kupereka chithandizo chochotsa mimba mkati mwa boma lomwe silinaletse kuchotsa mimba.

Ngati muli ndi inshuwaransi, mutha kupitiliza kupereka chithandizo chochotsa mimba mosasamala kanthu kuti malamulo a inshuwaransi ya boma lanu amaletsa inshuwaransi yochotsa mimba. Mapulani odzipezera okha ndalama zothandizira zaumoyo amayang’aniridwa ndi ERISA, yomwe ili ndi gawo lomwe limalepheretsa lamulo lililonse la boma lokhudza dongosolo la phindu la ogwira ntchito. Sizikudziwika pano ngati ERISA imayimilira malamulo a boma omwe amayesa kuyika mlandu wokhudzana ndi zopindulitsa zomwe zimaperekedwa pansi pa dongosolo la thanzi la ERISA. Mwachitsanzo, ngati malamulo a boma amalanga munthu amene amathandiza ndi kuchotsa mimba, sizikudziwika ngati ERISA ingalole lamulolo kuti lilole olemba ntchito omwe ali ndi inshuwalansi kuti apereke chithandizo chochotsa mimba popanda chiopsezo. Ndipo luso la ogwira ntchito lopeza chithandizo chamankhwala m’dziko limene limaletsa kuchotsa mimba lingakhale lochepa, zomwe zikudzetsa funso lakuti kaya mungakwanitse kulipirira ndalama zoyendera.

Funso: Boma langa laletsa kuchotsa mimba, koma ndikufuna kupereka mapindu kwa ogwira ntchito amene akufuna kupita kudziko lina kuti akalandire chithandizo cha uchembere wabwino. Kodi ndingapereke zopindulitsa zapaulendozi pansi pa dongosolo langa laumoyo lomwe lilipo kapena ndondomeko ina?

Yankho: Inde. Pansi pa malamulo a IRS, ntchito zochotsa mimba mwalamulo ndi chithandizo chamankhwala ndipo zidzalipidwa ngati ndalama zachipatala malinga ndi dongosolo laumoyo la abwana anu. Komabe, pali malire malinga ndi ndalama zomwe zimaperekedwa paulendo, malo ogona kapena chakudya. Ndalama zoyendera paulendo ndizofunika kwambiri pa chithandizo chamankhwala . . . [including] Autobasi. . . Matikiti a sitima, kapena ndege [and] Ndalama zoyendera za makolo amene ayenera kupita ndi mwana wofuna chithandizo chamankhwala “ndizondalama zachipatala. Ndalama zolipirira zolipirira malo ogona zolipirira ndizochepa: Malamulo a IRS amanena kuti wokhometsa msonkho angaphatikizepo “mpaka $50 pa usiku pa munthu aliyense.” Chakudya. ndalama zogulidwa poyenda siziyenera kubwezeredwa.

Olemba anzawo ntchito odzipezera okha ndalama atha kugwira ntchito ndi Third Party Official (“TPAs”) kuti ayang’anire zopindulitsa zilizonse zapaulendo komanso mpaka pati, kuphatikizirapo ngati adzalipira maulendo angapo azachipatala omwe sapezeka kwanuko.

Olemba ntchito omwe amapereka chithandizo chokwanira cha inshuwaransi ayenera kudziwa ngati phindu laulendo likupezeka pansi pa ndondomekozi. Ngati sichoncho, olemba ntchito omwe ali ndi inshuwaransi yokwanira omwe sapereka chithandizo pansi pa High Deductible Health Plan angaganize zopanga Health Compensation Arrangement (“HRA”) kapena HRA Excluded Benefit (“EBHRA”) yomwe idzabweza ndalama zolipirira zoyendera ndi malo ogona paulendowu. Ndikofunikira, ndipo ndikofunikira kulandira chithandizo chamankhwala. Ngati abwana anu agwiritsa ntchito EHRA kulipira ndalama zophatikizazi, komabe, pali malire okwana $1,800 pazowonongeka zonse. Olemba ntchito sangasunge $1,800 kuti abweze ndalama zochotsa mimba pansi pa EHRA imodzi ndikupanga $1,800 yowonjezerapo pansi pa EHRA ina kuti abweze ndalama zoyendera ndi zogona.

Wolemba ntchito angaperekenso mapindu oyendayenda ngati ndondomeko yosiyana kunja kwa ndondomeko yaumoyo yodzipangira yekha inshuwalansi kapena inshuwalansi yonse, koma chisankho choterocho chimakhala ndi zoopsa chifukwa abwana akhoza kutaya chitetezo cha ERISA ku malamulo ambiri a boma. Ngati malamulo a boma apereka udindo wothandizira kapena kuthetsa kuchotsa mimba, ndondomeko yodzifunira ya olemba ntchito yomwe imabwezera antchito ndalama zoyendera maulendo akhoza kuphwanya malamulo a boma. Komanso, chifukwa ndondomeko yobwezera antchito ndalama zoyendera maulendo kunja kwa ndondomeko ya zaumoyo imatanthauza kuti wogwira ntchitoyo ayenera kugwira ntchito mwachindunji ndi owalemba ntchito kuti apindule ndi ndondomekoyi, bwanayo ayeneranso kuyang’anira ndi kulinganiza zovomerezeka zachinsinsi za ogwira ntchito.

Funso: Antchito anga ndi ogwirizana. Ngati ndikufuna kusintha ndondomeko yaumoyo wanga kuti ndipitirizebe kupeza phindu la uchembere wabwino, kodi ndiyenera kukambirana ndi mgwirizanowu?

YANKHO: Malo oyamba oti muyambire kuzindikira zomwe mukuchita ndi mgwirizano wa Collective Bargaining Agreement (“CBA”). Ma CBA ambiri amafuna owalemba ntchitoyo kuti azisunga dongosolo lachipatala lomwelo monga momwe zinalili m’pangano lapitalo. Mapangano ena amalola olemba ntchito kusintha ntchito ngati kusintha sikuchepetsa kapena kutaya phindu. Ngati pali chinenero chimene chimalepheretsa olemba ntchito ufulu wosintha chithandizo chamankhwala (mwachitsanzo, osachitapo kanthu kapena kuchepetsa kwambiri), olemba ntchito anzawo ayenera kuonana ndi aphungu a zamalamulo okhudza mmene chinenerocho chimakhudzira kusintha kwa mapulani a zaumoyo okhudza chithandizo chokhudza kuchotsa mimba. Ngati palibe chilankhulo chomwe chimaloleza bwanayo mwakufuna kwake kuti asinthe chithandizo chamankhwala kapena sichimveka bwino, muyenera kukaonana ndi loya musanasankhe kusintha chilichonse pazaumoyo wa ogwira ntchito ku bungwe lanu.

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