Boma likuimitsa kugulitsa inshuwaransi yanthawi yayitali kwa antchito ake

Kwa zaka ziwiri, boma la federal linayimitsa kugulitsa inshuwalansi ya nthawi yaitali kwa antchito ake. Akatswiri ena amakampani akudabwa ngati pulogalamuyo ibwereranso momwe ilili.

Ntchito yomwe idatenga nthawi yayitali, yotchedwa Federal Long-Term Care Insurance Program (FLTCIP), idayimitsidwa pomwe a John Hancock Life & Health Insurance Company, omwe amayendetsa pulogalamuyi, adachenjeza ofesi ya federal ya Personnel Management (OPM) kuti malipiro anali premium. Zosakhazikika komanso zofuna kukweza chiwongola dzanja chambiri. OPM imapereka zopindulitsa kwa ogwira ntchito ku federal m’mabungwe onse.

Pulogalamuyi idzasiya kuvomereza mapulogalamu atsopano kuyambira Disembala 19. Hancock apitilizabe kubweza omwe ali ndi ma policy omwe alipo ndikulipira madandaulo. Komabe, omwe alipo omwe ali ndi ndondomeko sangathe kuwonjezera kufalitsa kwawo pamene akuimitsidwa.

Phindu la federal limakhudza anthu pafupifupi 267,000 ndipo mwina ndilo gulu lalikulu kwambiri la inshuwaransi yanthawi yayitali mdziko muno. Koma posachedwapa, OPM ankangogulitsa ndondomeko zatsopano za 6,000 pachaka, zomwe ndi pafupifupi 0.1 peresenti ya ogwira ntchito. Chimodzi mwa zifukwa zake: boma silimagulitsa mwaukali mokomera antchito ake.

Kuyimitsidwa ndi vuto laposachedwa kwambiri kumakampani omwe akhala akuchepa kwazaka zambiri.

Ponseponse, mu 2020, anthu aku America pafupifupi 50,000 okha ndi omwe adagula inshuwaransi yanthawi yayitali, malinga ndi kampani ya Milliman. Chiwerengerochi chinakwera mu 2021 koma makamaka chifukwa cha kuchuluka kwa malonda kwa anthu okhala ku Washington State. Ambiri aiwo adagula inshuwaransi yachinsinsi kuti apewe kukwera kwamisonkho kochepa komwe boma limapereka kuti lithandizire pulogalamu ya inshuwaransi yanthawi yayitali ya anthu. Kupatulapo kuwonjezeka kwa boma la Washington, komwe kunali kamodzi kokha, kugulitsa kwa mfundo zodziyimira pawokha kutha kutsikanso mu 2021.

Chaka chatha, anthu pafupifupi 500,000 adagula mfundo zosakanizidwa kapena zosakanizidwa zomwe zimawonjezera chithandizo chanthawi yayitali ku inshuwaransi ya moyo kapena zinthu za annuity, ngakhale kuti chiwerengerocho chakweranso chifukwa cha malonda aku Washington.

Monga ogula ambiri a inshuwaransi yanthawi yayitali, ogwira ntchito m’boma apwetekedwa ndi kuwonjezeka kwakukulu kwa malipiro m’zaka zaposachedwa. Ndondomeko zina zakale zakwera mtengo kuposa kuwirikiza kawiri.

Masiku ano, wogwira ntchito m’boma wazaka 60 akhoza kugula ndondomeko ya boma yomwe imalipira $200 patsiku kwa zaka zitatu kwa $2,400 pachaka. Malinga ndi miyezo yamakampani, izi ndizomveka. Koma mbali zina za pulogalamu ya feduro zapangitsa kuti premium ikhale yokwera. Mwachitsanzo, antchito atsopano ankaloledwa kuti azingolemba zochepa chabe asanagule.

Ngakhale izi zimapangitsa kuti kufalitsa kupezeke mosavuta, kumabweretsa gulu la olembetsa omwe ali pachiwopsezo ndikukweza malipiro kwa aliyense. Mosiyana ndi izi, m’zaka zaposachedwa, ma inshuwaransi ambiri a nthawi yayitali apereka zilolezo zokhwima kwa omwe akufuna kugula kotero kuti gawo limodzi mwa magawo atatu kapena kuposerapo sangathe kugula chithandizo.

OPM akuyembekezeka kugwiritsa ntchito zaka ziwiri zikubwerazi kuti aganizirenso za pulogalamuyo komanso zomwe amapereka. Komabe, bungweli lidasokonezedwa ndi Congress. Lamulo la federal limafuna kuti OPM ipereke chithandizo chanthawi yayitali koma imaletsa mitundu ya inshuwaransi yomwe ingagulitse kwa ogwira ntchito m’boma. Mwachitsanzo, simungathe kupereka zinthu zosakanizidwa popanda kusintha kwalamulo.

Ndipo ngakhale OPM ikufuna kutsitsimutsa pulogalamuyi, palinso funso ngati ingapeze ma inshuwaransi omwe akufuna kugulitsa chithandizo. Hancock ndiye yekhayo yemwe adanyamula kwazaka zambiri chifukwa OPM sinathe kupanga mgwirizano ndi ma inshuwaransi ena. Mgwirizano wapano wa Hancock utha mu Epulo ndipo sizikudziwika ngati kampani ya inshuwaransi ndi boma avomereza kuwonjezera mgwirizano.

Katswiri wina wamakampani odziwika bwino adati Hancock akukakamizidwa kwambiri ndi omwe ali ndi masheya kuti athetse kugulitsa kwake kwanthawi yayitali. Mneneri a Hancock adatumiza mafunso onse ku OPM.

Lingaliro la OPM lokhala ndi mapulogalamu atsopano ndi chizindikiro china chakulephera kwa msika wa inshuwaransi wanthawi yayitali komanso wodziyimira pawokha. Nkhani yabwino yokhayo: Itha kulimbikitsa oganiza bwino kuti apange chinthu chongoganiziridwanso chomwe chingakope ma inshuwaransi ndi m’badwo watsopano wa ogula.

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