IsiCwangciso seMpilo sokuqhubeka kwabasebenzi abaphelileyo
I-COBRA indichaphazela njani njengomqeshi?
Ukuba uyinkampani enkulu (kunye nabasebenzi abangaphezu kwe-20) kwaye unesiqinisekiso sokuhlawula impilo,
- Kumele unikezele ngekota ye-COBRA yabasebenzi abapheliswe.
- Awunayo ukuhlawula iindleko zempilo yabasebenzi abapheliweyo, kodwa kufuneka uwagcine kwisicwangciso sakho sezempilo malunga nobude obude bexesha kwiirhafu ezifana nabasebenzi.
- Ngexesha lokupheliswa, kufuneka unike abasebenzi abasebenzi malunga neCOBRA ukuze benze isigqibo.
Ngulo xanduva lwakho ngokucacileyo. Ngoku, iinkcukacha.
Yintoni iCOBRA?
I-COBRA igxininisa uMthetho we-Consolidated Budget Reconciliation Act, inxalenye ye-ERISA (uMthetho we-ERISA) we-ER4 (uMthetho wezeMali woLondolozo lwezeMali eMhlalaphantsi). Ngenxa yokuba iingeniso zempilo zabasebenzi zibophelelwe kwinkampani abayisebenzelayo, umthetho weCOBRA wenziwa ukuba unike abasebenzi ukuba baqhubeke nokufumana inzuzo yempilo xa kunqanyulwa.
Imithetho ye-COBRA iyaxhaswa yiSebe lezeMisebenzi yase-United States, ngoLawulo lweZibonelelo zoKhuselo lwaBasebenzi.
Eli nqaku linika iimpendulo eziqhelekileyo kwiimfuno eziqhelekileyo zabaqeshi malunga nemithetho yeCOBRA kunye neemfanelo zabo.
Akuhlosiwe ukuba ibe ingxelo engengcaciso, kodwa kukukunika uhlolo-nkcukacha lwemisebenzi yakho njengomqeshi. Yonke imeko ihlukile, kwaye ukuba unemibuzo ethile, qhagamshelana neenzuzo zakho umlawuli okanye uqhagamshelane neSebe lezeMisebenzi. Ukuba isicwangciso se-inshurensi yezempilo yenkampani isicwangciso somlawuli, baya kuba nolwazi malunga nalo mgaqo.
Ngaba ishishini lam kufuneka lihambisane neMimiselo yeCOBRA?
Ngenxa yeendleko zokuqhubeka kwezicwangciso zempilo kubasebenzi, abaqeshi abancinci abafunyanwanga ukuthobela. Kusebenza kuphela kumashishini angeniso-nzuzo "anokuba nabasebenzi abangama-20 abangaphezu kwama-50 ekhulwini lweentsuku zoshishino eziqhelekileyo kunyaka wekhalenda odlulileyo." Bobabini abasebenzi bexesha elizeleyo kunye nabasebenzi bexeshana balinganiselwa kulo kubalo. Abasebenzi bexesha lesahlulo babalwa ngokusekelwe kwipesenti yexesha labo kumsebenzi wesikhathi esigcwele.
Umzekelo, ukuba umqeshwa wesikhathi-sithuba usebenza iiyure ezingama-20 ngeveki kwaye abasebenzi bakho besikhathi esigcwele basebenza iiyure ezingama-40 ngeveki, umntu onesigxina uya kuba ngama-50 ekhulwini lomntu wesikhathi esigcwele. Yongeza bonke abasebenzi bexesha elizeleyo kunye nabasebenzi bexeshana ukuze babone ukuba ishishini lakho lihlangabezana nomncinci kwimfuneko.
Ingaba kufuneka ndibone ii-COBRA Benefits kuphela kuMqeshwa? Kuthiwani Ngokutshata Nabantwana?
Kufuneka ufake abaqeshwa abaqingqiweyo, abasebenzi basekuqaleni, abatshatileyo, abatshatileyo, kunye nabantwana abaxhomekeke kwi-COBRA. Umntu ofumana iinjongo kufuneka 'afaneleke.' I-DOL ithi, "Umxhamli ofanelekileyo ngumntu owayefakwe iqela lesicwangciso sempilo ngosuku ngaphambi kokuba kwenzeke isiganeko esifanelekileyo esenza ukuba alahlekelwe ngumsebenzi."
Ewe, kunzima kakhulu kunoko. Isikhokelo somqeshi ... I-COBRA Benefits inesati echaza ngaphezulu malunga nokufaneleka.
Ngaba kufuneka Ndinikele iiNzuzo zeCOBRA kwabasebenzi?
Kumele unikezele ngekota yeCOBRA ekufeni komqeshwa (kumlingane oxhomekeke kuyo kunye nabantwana abaxhomekeke kuye) okanye ekupheleni okanye "ukunciphisa iiyure." (Eli gama mhlawumbi lithetha ukuba umqeshwa uhamba kwixesha elizeleyo ukuya kwixesha lexeshana kwaye ulahlekelwa zibonelelo.)
Unokufuneka kwakhona ukuba unikezele nge-COBRA kubantwana abaxhomekeke kuyo, ukuba isicwangciso sakho sezempilo siyeka ukuvalelwa kwabo kwixesha elithile.
Kodwa akudingeki unikeze nge-COBRA:
- kumqeshwa opheliswe "ukuziphatha kakubi" (i-DOL definition) okanye
- ukuba umqeshwa uyafaneleka kwi-Medicare.
Luhlobo luni loNcedo olufunekayo ukuba ndinikele ngalo Mqulu?
Inkcazo ye-COBRA obonelela kubasebenzi kufuneka ibe yinto efanayo neyabonelelwa kubasebenzi bangoku phantsi kwesicwangciso sakho sempilo.
Ukuba umntu ukhetha ukukhutshwa kwe-COBRA, kufuneka agcinwe phantsi kwe-inshurensi yeqela lakho.
Ndingazi njani ukuba omnye wabaqeshwa bam unesihloko kwiCOBRA?
Ulawulo lweZibonelelo zoKhuselo lwaBasebenzi lubonelela ezi mfuneko ezintathu ezisisiseko:
- Isicwangciso senkampani yakho kufuneka sijongwe yi-COBRA,
- Kufuneka kwenzeke isiganeko esifanelekileyo (njengokufa komqeshwa okanye ukupheliswa), kunye
- Umntu ofumana inzuzo kufuneka afaneleke, njengoko kuchaziwe ngasentla.
Kuthiwani ukuba uMqeshwa akayi kuthatha Umyinge? Ngaba Ndimele Ndihlawule Nantoni na?
Abanye abasebenzi banokuba nelinye uhlobo lokufumana impilo ngeqabane okanye kwi-Care Affordable Act, kwaye abo bantu bangagqiba isigqibo sokuba bangabhalisanga kwi-COBRA ekhutshwa yinkampani yakho.
Ndide ndibe nexesha elide lokuhlawula le mveliso yeCOBRA?
Xa kwenzeka ukupheliswa okanye ukunciphisa iiyure, kufuneka ulondoloze kwaye uhlawule i-COBRA yokufikelela kwiinyanga ezili-18. Kwezinye iimeko, ukukhutshwa kwe-COBRA kungadingeka kwiinyanga ezingama-36. Le ngenye yeengxoxo eziyinkimbinkimbi kukulungele ukuba neenzuzo ezifanelekileyo zomntu.
Njani kwaye kufuneka Ndixelele Umqeshwa Ngeli COBRA Coverage?
Xa uthetha nomqeshwa malunga nokuphelisa okanye ukunciphisa iiyure yilexesha apho kufuneka unike le ngcaciso kunye nethuba lokubhalisa. I-DOL ibibiza ngokuthi "isiganeko esifanelekileyo." Eli thuba kufuneka linikwe kwabathengi bomqeshwa oye wafa. Ingcinga efanelekileyo yokuqokelela ulwazi malunga nekharityhulam ye-COBRA kwaye wongeza le nto ekugqithweni kwakho kokukhangela.
Kukho imibhalo ethile yesaziso omele uyinike kumqeshwa. Olunye uxwebhu olulungileyo ukubonelela NgesiKhokelo sabaSebenzi kwiMpilo yeNzuzo phantsi koCOBRA (PDF).
Ngubani omele i-COBRA?
Umqeshwa kufuneka ahlawule umrhumo, kodwa kufuneka uwenze ube khona kwizinga le-inshurensi yeqela lakho. Kuya kuba nzima ukuba abasebenzi bakhethe i-COBRA, ngenxa yokuba banezinye iindlela zokukhetha, njengenye yeendawo zokuthengiswa kweemarike zikaRhulumente nge-Care Affordable Act (i-Obamacare). Umntu onokubhengezwa kufuneka ahlawule zonke iirhafu kwaye enze zonke iintlawulo ze-inshurensi. Nayiphi na ukwanda kweendleko zokubhengezwa kufuneka kuhlawulwe ngumntu ofumana inkxaso.
Yintoni endiyenzayo xa uMqeshwa efuna i-COBRA Coverage?
Masithi unikezele ngolwazi malunga nenkcazo yeCOBRA kumqeshwa ophelile. Ukuba umqeshwa unqwenela ukuhanjiswa, kufuneka unikele ngolwazi ukuze loo mntu adibanise nenkampani yenkampani yomshuwalense wezempilo.
Umqeshwa wangaphambili uza kuba nexesha elithile lokuba angayibhalisela le ngxelo, ebizwa ngokuthi "ixesha lonyulo." Ukuba umntu uhluleka ukubhalisa kunye nokuhlawula iiprayimari ezifunekayo ngeli xesha lonyulo, banokuthi bangabikho kwi-coverage.
Ngaba Abasebenzi abafanelekayo kwi-COBRA Ubungakanani Ngexesha lokungafi?
Ikhefu lokungabikho akusiyo isiganeko esifanelekileyo sokufikelela kwi-COBRA; Abasebenzi abavumelekanga ngexesha le- FMLA (uMthetho woLondolozo lwezeNyango lwezeMpilo) iintsuku zokungabikho.
Ngaba Ngaba Ndifanele Ndixelele Omnye?
Wena njengomqeshi kufuneka uxelele umlawuli wakho wezonyango zomncedisi wesiganeko esifanelekayo, njengokupheliswa komqeshwa. Akukufuneka uxelele iSebe lezeMisebenzi.
Ngaba i-COBRA iphendulwa yi-Obamacare?
Umthetho we-COBRA usele ndawo, kodwa abasebenzi abapheliweyo ngoku banokukhetha okungakumbi ukufumana ingxelo yabo yempilo emva kokupheliswa. Ezi zikhetho ngoku zibandakanya ukuxhaswa phantsi koMthetho woNonophelo olungabonakaliyo (i-Obamacare).