Cobra amalamulira opuma pantchito

Njira 5 Zogwiritsa Ntchito Cobra Kwa Opuma Ntchito

Cobra amalamulira opuma pantchito

Ngati mukupuma pantchito posachedwa ndipo simunayenerere kulandira Medicare, mutha kukhala pamsika wa inshuwaransi yatsopano yaumoyo ndipo ganizirani zopezera inshuwaransi yazaumoyo ndi COBRA. Chifukwa cha kukwera mtengo kwake, sikudzakhala kwa aliyense, koma ngati mupuma pantchito ndikuganizira zopeza inshuwalansi ya umoyo kudzera mu COBRA, izi ndi zomwe muyenera kudziwa. Mukhozanso kugwira ntchito ndi mlangizi wa zachuma kuti mukonzekere ndalama zanu ndi bajeti yopuma pantchito kuti akuthandizeni kulipira ndalama za COBRA kapena kukuthandizani kupeza njira ina.

Kodi Cobra ndi chiyani?

Momwe anthu amakambira Cobra, mungakhululukidwe ngati mukuganiza kuti ndi kampani ya inshuwaransi yazaumoyo. Ayi. COBRA ndi lamulo la federal komanso inshuwaransi yaumoyo. COBRA imayimira Consolidated Budget Reconciliation Act. COBRA, yomwe idaperekedwa ndi Congress ndikusainidwa kukhala lamulo ndi Purezidenti Ronald Reagan mu 1985, idapangidwa kuti iteteze ogwira ntchito omwe amasiya kampaniyo kuti asathe kuchotsedwa ntchito ndikutaya mwayi wopeza inshuwaransi yazaumoyo. Komabe, kumbukirani kuti imagwira ntchito kumakampani omwe ali ndi antchito 20 kapena kupitilira apo.

Ngati mukulandira inshuwaransi yazaumoyo yothandizidwa ndi COBRA, izi zikutanthauza kuti mudzakhalabe mu ndondomeko ya inshuwaransi ya abwana anu, kapena posachedwapa. Izi zitha kukhala njira yabwino kwa ena opuma pantchito omwe sanayenerere kulandira Medicare. Wopuma pantchito atha kupeza inshuwaransi yaumoyo kwa miyezi 18 ndi COBRA.

Kodi Cobra amagwira ntchito bwanji kwa anthu opuma pantchito?

Cobra amagwira ntchito kwa opuma pantchito monga momwe angachitire kwa wogwira ntchito aliyense. Kaya wogwira ntchitoyo anachotsedwa ntchito, anasiya ntchito modzifunira, kapena anapuma pantchito, bwanayo angafune kuti wogwira ntchitoyo alipire ndalama zonse za inshuwalansi ya umoyo, kuphatikizapo 2 peresenti ya malipiro a utsogoleri. Popeza mabwana nthawi zambiri amalipira ndalama zina kapena ndalama zonse za ogwira ntchito, wogwira ntchitoyo angadabwe kudziwa kuchuluka kwa ndalama zomwe ayenera kugwiritsa ntchito pa inshuwalansi yawo yaumoyo.

Mutha kunena kuti kutchulidwa kwa COBRA ndi koyenera chifukwa iyi ndi njira yotsika mtengo yolipirira inshuwaransi yazaumoyo ndipo ndalama zanu ndi bajeti zimatha kumva zolimba. Koma kwa opuma pantchito omwe atsala ndi miyezi yochepera 18 asanalandire Medicare, ikhoza kukhala njira yabwino kuwonetsetsa kuti ali ndi inshuwaransi yazaumoyo. Zitha kukhalanso ngati ntchito kwakanthawi kuti mukhale ndi inshuwaransi yazaumoyo pomwe mukuyang’ana njira zina zotsika mtengo.

Palinso zochitika zina zomwe mungafune kugwiritsa ntchito Cobra. Ngati mwapuma pantchito ndipo muli ndi ufulu ku Medicare, koma muli ndi achibale omwe sangakhudzidwe ndi mapulani anu azaumoyo, monga mwamuna kapena mkazi, mwana wamwamuna kapena wamkazi, adzaloledwa kupitiriza ndondomeko yaumoyo ya abwana anu mpaka 36 miyezi. Inu, pakadali pano, mukugwiritsa ntchito Medicare. Simukuloledwa kugwiritsa ntchito Medicare ndi inshuwaransi ya abwana anu nthawi yomweyo.

Njira zina za Cobra kwa opuma pantchito

Cobra amalamulira opuma pantchitoCobra amalamulira opuma pantchito

Cobra amalamulira opuma pantchito

Malinga ndi a Kaiser Family Foundation (KFF), mu 2021, malipiro apachaka omwe amathandizidwa ndi owalemba ntchito zaumoyo anali $22,221, antchito amalipira pafupifupi $5,969. Ngati malipiro a inshuwaransi yazaumoyo akuwirikiza kanayi, COBRA ingamve yokwera mtengo kwambiri. Kwa ambiri opuma pantchito, osalola wogwira ntchito aliyense kusiya ntchito yawo popanda inshuwaransi yazaumoyo, COBRA idzakhala njira yomaliza osati kusankha koyamba. Kapenanso, ngati mwapuma pantchito ndipo simukuyenera kulandira Medicare, mungayesere:

  • Uzani mwamuna wanu akuwonjezereni ku dongosolo lake: Mutha kulowa nawo inshuwaransi yazaumoyo ya mnzanuyo ngati kuli kotheka.

  • Gulani pulani pamsikaWopangidwa ndi Affordable Care Act ya 2010, yopezeka ku HealthCare.gov, Marketplace ingakuthandizeni kupeza dongosolo loyenera. Simukuyenera kugula ndondomeko ya inshuwalansi ya umoyo nokha; Mungafune kugwira ntchito ndi broker wa inshuwaransi. Ngati pali ndondomeko yotsika mtengo ya Medicare, broker wanu wa inshuwaransi azitha kukutsogolerani.

  • Gulani pulani mwachindunjiMutha kupeza mitengo yotsika mtengo ndi msika wa inshuwaransi. Koma ndichifukwa chake ma broker a inshuwaransi amatha kuthandizira kugwira nawo ntchito. Akhoza kukutsogolerani ndikukulangizani pamene mukuyesera kusankha momwe mungalipire chithandizo chamankhwala.

  • Yang’anani mu mapulani abwino otenga nawo mbali: Awa ndi mapulani azaumoyo operekedwa ndi mabungwe, momwe ndalama zachipatala “zimagawidwa”. Ndalama zomwe mumalipira pamwezi zimatha kukhala $500 pamwezi, koma zimangogwiritsidwa ntchito ngati chithandizo chachipatala – komanso ngati muli ndi thanzi labwino. Ndi njira koma mwina osati zenizeni kwa ambiri opuma.

  • Mutha kupeza MedicaidNgati ndalama zanu ndizochepa mokwanira. Nthawi zambiri, mudzafunika kukhala ndi $ 2,000 kapena kuchepera pazachuma.

M’malo mwake, chifukwa COBRA ikhoza kukhala yokwera mtengo kwambiri, mungafunenso kulingalira kuchedwetsa kupuma pantchito mpaka mutakhala oyenera kulandira Medicare. Ngati ntchito yanu yamakono sizingatheke, mwinamwake, mpaka mutapeza Medicare, mungapeze ntchito yanthawi yochepa yomwe imapereka ndondomeko ya Medicare. Kupuma msanga kungakhale kotheka, koma mungafunike kuganiza kunja kwa bokosi kuti mupeze chithandizo chamankhwala.

pansi

Cobra amalamulira opuma pantchitoCobra amalamulira opuma pantchito

Cobra amalamulira opuma pantchito

COBRA si njira yabwino kwa munthu aliyense wopuma pantchito kapena wosagwira ntchito yemwe akufuna inshuwaransi yazaumoyo. Komabe, sikunali koyenera kusintha dongosolo la inshuwaransi yokhazikika. Iyenera kuonedwa ngati khoka lachitetezo. Koma ngati mwapuma pantchito, Cobra atha kukhala othandiza. Ngati mukuganiza zopeza inshuwaransi yaumoyo kudzera mu COBRA, muyenera kulankhula ndi dipatimenti yanu yazantchito kapena munthu wina yemwe amathandizira antchito kuti akuthandizeni kukhazikitsa inshuwaransi yaumoyo wanu kudzera mu COBRA.

Malangizo okonzekera kupuma pantchito

  • Chisamaliro chaumoyo panthawi yopuma pantchito ndi chimodzi mwazinthu zambiri zomwe muyenera kukonzekera. Kukonza ndalama zanu mwa kugulitsa zinthu zoyenera tsopano ndiyo njira yabwino kwambiri yokuthandizani kuti mukhale ndi inshuwaransi yoyenera komanso moyo wabwino pambuyo pake. Mlangizi wazachuma angakuthandizeni kuchita izi popanga dongosolo lomwe likugwirizana ndi zosowa zanu. Ngati mulibe mlangizi wa zachuma, sizingakhale zovuta kupeza. Chida chaulere cha SmartAsset Zimakufananitsani ndi alangizi atatu azachuma omwe akutumikira kudera lanu, ndipo mutha kufunsa alangizi anu popanda mtengo kuti muwone yemwe ali woyenera kwa inu. Ngati mwakonzeka kupeza mlangizi yemwe angakuthandizeni kukwaniritsa zolinga zanu zachumatiyeni tiyambe.

  • Pamene mukukonzekera zomwe chithandizo chaumoyo chidzawononge ngati munthu wopuma pantchito, ndi nthawi yoti muwonetsetse kuti muli ndi ndondomeko yoyenera ya bajeti kuti muthe kulipira ndalama zomwe mwasankha. Mutha kugwiritsa ntchito Calculator yaulere ya SmartAsset kukuthandizani kuchita izi.

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Malamulo a COBRA opuma pantchito adawonekera koyamba pa SmartAsset blog.

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