Yintoni iCOBRA?
"I-COBRA" ibhekisela kuMthetho wokuQiniswa koHlahlo lwabiwo-mali we-Integrated Omnibus Act ka-1985, kwaye ngokukodwa kwiSihloko X soMthetho. Isihloko X siquka amalungiselelo okuqhubeka nokugcinwa kwe-inshorensi yempilo yamalungu eeplani zempilo zenkampani ezilahlekelwe yi-inshorensi ngenxa yokuba "isiganeko esifanelekileyo."
Umthetho uthi xa umqeshi efuna ukuthatha irhafu yentlawulo ye-inshorensi yezempilo, kufuneka ukuba avumele abasebenzi abaye bahlanganiswa nesicwangciso sokuqhubeka nokuhanjiswa kwindleko yomqeshwa kwizinga leqela ngexesha elide.
Yintoni i-COBRA Ukufaneleka?
Umqeshwa kufuneka ahlangabezane neemfuno ezithile ukuze afanelekele izibonelelo zeCOBRA:
- Kumele asebenzele umqeshi onabasebenzi abangama-20 okanye ngaphezulu. Abasebenzi bexesha lesigxina baqwalaselwa kwipesenti yabasebenzi besikhathi esigcwele. I-COBRA ayifumaneki kubasebenzi abaqulunqwe izicwangciso zempilo ezixhaswe nguRhulumente wephondo, iicawa kunye neminye imibutho yonqulo.
- Umqeshwa kufuneka abeke ngokuzithandela okanye apheliswe ngokuzikhethela ngenxa yezizathu ngaphandle kokuziphatha kakubi. Kusenokwenzeka ukuba naye wayesehlise iiyure kangangokuthi akasayi kuba nekhwalithi yempilo yenkampani.
- Iqabane lingakwazi ukufumana ingxelo ukuba umqeshwa uyakulungeleka kwi-Medicare, ukuba iqabane kunye nomqeshwa baqhawule okanye bahlukaniswe ngokomthetho, okanye ekufeni komqeshwa.
- Umntwana oxhomekeke kuye unokufanelekela ukufumana ingxelo xa umntwana elahlekelwa yimeko exhomekeke kuyo phantsi kwemigaqo yesicwangciso sempilo yomqeshi.
Uxanduva lomqeshi
- Abaqeshi mabaqinisekise ukuba ukubonelelwa kwe-COBRA enikwa abafumanayo abafanelekileyo kufana nesicwangciso sezempilo sabasebenzi abafanayo njengamanje. Ukuba iingeniso zomqeshwa zitshintsha, ukukhutshwa kwe-COBRA kufuneka kutshintshe kwakhona.
- Abaqeshi kufuneka baxelele abasebenzi abanelungelo labo lokuqhubeka nokufumana ingxelo xa bephelisa umsebenzi okanye xa kwenzeka esinye isiganeko esifanelekayo.
Eminye imizekelo
- USam uvalwe nguSmith Electronic. Unelungelo lokuthenga i-COBRA ukugcina i-inshorensi yezempilo xa efuna omnye umsebenzi.
- U-Ellen ungumlingane kaJulio. Wafaneleka ukufumana ingxelo yeCOBRA xa wafa.
- USusan, intombi ka-Anna, waba nelungelo lokufumana ingxelo ye-COBRA xa ebeneminyaka engama-25 kwaye wayengasakwazi ukuxhomekeka njengomxhomekeke phantsi komsebenzi wezempilo ka-Anna.
Ezinye izinto ezingabonakaliyo
Ulungelelwaniso lweCOBRA luya kugcina i-postage yakho yezempilo kwindawo ethile, kodwa i-COBRA iya kuhlawulwa ngaphezu kwezinto ohlawula ukufumana ingxelo ngexesha uqeshiwe. Umqeshi wakho unakho ukuhlawula i-premiums yakho njengenzuzo yengqesho kwaye akusafuneka ukuba wenze njalo xa ukhetha uxwebhu lwe-COBRA emva kokupheliswa.
Iindleko ezipheleleyo zokubhengezwa ziya kuwe. ISebe lezeMisebenzi yase-US licebisa ukuba likhangele kwezinye iindlela zokukhetha kunye nokuthelekisa iindleko. Musa ukugxuma kwiCOBRA ngenxa yokuba ikhona kwaye ufanelekile. Unokwazi ukufumana uncedo olubi kakhulu kwenye indawo.
I-COBRA iphela ixesha elide lide ukuze ekugqibeleni uza kufuneka ufumane enye yomshuwalense wezempilo yonyango nasiphi na isiganeko. I-COBRA iqhubela phambili ukusuka kumhla wesiganeko esifanelekayo kwiinyanga ezili-18 okanye ezingama-36 kuxhomekeke kwimeko yesiganeko sakho esifanelekileyo, nangona ezinye izicwangciso zingaphaya ixesha elide lokunika ingxelo.