Funda indlela yokufumana i-Intshurensi yezeMpilo yeQela ngokusebenzisa iNhlangano yobulungu
Ukukhangela iCandelo leNkcazo ye-inshurensi yezempilo elungileyo kodwa ungabi nalinye ngokusebenzisa umqeshi?
Imibutho yamalungu amaninzi inikezela nge-inshorensi yezempilo yeqela okanye iinkonzo kumalungu abo.
Njengelungu leqela, unako ukufumana izaphulelo kwi-inshurensi yakho yempilo okanye ukufikelela kwisicwangciso se-inshurensi yezempilo yobulungu.
Iyini inhlangano yobulungu?
Umbutho wobulungu yiqela elizinikezele ekuboneleleni ngezibonelelo kunye neenzuzo kumalungu ayo anokuchazwa njengabo babelana nomdla, intengiso okanye umsebenzi. Ezi ntlawulo zingabandakanya izaphulelo kwiindawo ezahlukeneyo zenkonzo okanye ivenkile, amathuba aqhubekayo emfundo, ukufikelela kumaxesha athile, kunye neqela le-inshorensi yempilo okanye inzuzo ye-inshorensi yezempilo kunye nezaphulelo zeqela.
Ziziphi Ubulungu okanye Izicwangciso Zempilo Yombutho?
Ubulungu beqela elixhaswe zizicwangciso zempilo lingaziwa nangokuthi izicwangciso zezempilo. Amalungiselelo ezempilo eziMpilo avumela amalungu eqela, okanye umsebenzi ukuba baqhagamshelane kunye ukuze baxoxisane namanye ama-premium angcono kumalungu abo, afana nendlela efanelekileyo yokucwangcisa umqeshi wezempilo.
Ngaphandle kokuba amalungu ombutho okanye iqela lingasebenzi kumqeshi ofanayo, kunokuba babelane neshishini, inzala okanye enye intambo evumelanayo evumela ukuba bazichaze njengombutho.
Ndingayifumana njani i-Intshurensi yeMpilo Ngombutho weBhunga loBulungu?
Into yokuqala enokuyenza kukuba ucinge malunga nawaphi amaqela ebulungu onokuhlala ukhona.
Ngokomzekelo, imibutho yamanyano, imibutho yama-alumni, okanye imibutho yobuchwephesha kuquka negumbi lakho lorhwebo.
Ngokomzekelo, abaninzi bethu besivile ngabaBhali beGugu eMelika. Ziyintlangano yobulungu ezinikele ekuboneleleni ngezibonelelo kunye neenzuzo kubalobi beengcali.
Phakathi kwezibonelelo zabo ezininzi, banokubonelela nge-inshurensi yempilo kumalungu abo. Zinezikhokelo eziqinileyo zokuba ilungu, kodwa umbutho wabo ungomnye wezinto ezininzi ezikhoyo ezibonelela nge- inshorensi yezempilo yeqela .
Imizekelo yeendawo zokufumana i-inshurensi yezempilo ngokusebenzisa ubulungu beqela, imibutho yezoRhwebo okanye iinkonzo
- I-AARP yezempilo - ezininzi iinketho kwiinkonzo zonyango ezongezelelweyo
- Unxibelelwano lweeNkonzo ezinganakuncedo
- Umbutho Osebenzisanayo (AWA)
- I-American Institute of Arts Graphic (AIGA) - unikeza i-inshurensi yezobisi xa uhamba ngaphandle ngaphandle koko unikeza izibonelelo zonyango eziqhelekileyo ngenxa yeenguqu kunye ne-ACA.
- Umbutho weeComputer Machinery (kubafundi beekhompyutha)
- Indleko yeeNkcazo zeMpilo kwiNkcazo yeMpilo
- I-Freelancers Union - inikeza ubulungu be-free kunye neendidi eziphathekayo kunoma ubani ozijonga njenge-freelancer. Funda kabanzi malunga neenzuzo ze Freelancer
- Umbutho kaZwelonke weZiqeshwe
- Abalobi beGugu yaseMelika.
Imizekelo yeeNkxaso zobulungu beQela kwiNtshuwalense yeMpilo kunye neMigaqo-nkqubo yezeMpilo
Nangona le ntlangano ayiniki i-inshorensi yempilo ngokuthe ngqo, baye batyala umzamo omkhulu wokunceda abaculi bafumane i-inshorensi ehlawulekayo: I-Arms Health Association Centre. I-Small Business Bureau, i-intlangano yelizwe, inika uncedo olufanayo kumalungu ayo.
Amalungu oMbutho weZiko loNcinci loNcinci unokufikelela kwi-inshorensi yeqela kwi-Care Term Care, i- Inability Income Income , kunye ne-Inshorensi yobomi.
Ngaba i- Intshurensi yezeMpilo yoMqeshi ingcono kuneNtshuwalense yeMpilo yodwa, okanye i-Inshurensi yezeMpilo ngokusebenzisa uMbutho wobulungu?
Ukuba ukhangele iqela le-inshorensi yezempilo, umqeshi wakho okanye umlingane wakho (okanye umlingani wasekhaya ) unokukwazi ukubonelela ngeempilo.
Abaqashi abaninzi banceda ukuhlawula ipesenti ye-premium yomshuwalense wezempilo kwaye oku kungakugcina imali. Zingafaka isandla kwi-HSA okanye kwi-FSA kuwe, kwaye oku kuya kukugcina imali kunye nokwakha imali.
Ukuba awunayo umqeshi kwaye usebenza ngokuzimeleyo, unokufuna ukujonga idibanisa ezihambelana noluhlu lwethu ngasentla okanye ufunde ngokubanzi nge- Inshurensi yezeMpilo ye-Freelancer okanye i-Inshurensi yezeMpilo kwi-Self-Employed .
Ukufumana i-inshorensi yezempilo ngokusebenzisa umbutho wobulungu inokuba yindlela engcono kunomntu ngamnye we-inshurensi yezempilo ngenxa yokuba i-inshurensi yeqela libonelela ngamalungu ayo ngokunika ama-premium aphantsi.
Ngokubanzi, kunye neemeko zonyango lwezempilo zangoku, kunye nokukwazi ukuhlaziywa kwemithetho yempilo kuhlale kuhlawula ukujonga zonke iindlela ezikhoyo.
Utshintsho kwiiNkqubo zeMpilo yoMbutho kunye neNkampani ye-inshurensi yempilo yabasebenzi
Kwakusetyenziswe ukuba kukwazi ukufumana isicwangciso sezempilo ngokusebenzisa ubulungu beqela okanye umbutho, oku kungenxa yokuba umbutho wesizwe unokukhetha ukuba yeyiphi imithetho ye-inshorensi yempilo efuna ukuyilandela xa kudala izicwangciso zabo, oku kwavunyelwa ukulungelelanisa ngakumbi kwiinkcazo zokukhawulela kwintlangano nganye. Oku kungabonakala kulungile kumanqanaba athile, kodwa kwabangela ukuba ingxaki kwimigangatho yemibutho yezononophelo zempilo inokubonelela, kwakungekho mgangatho, kwaye ngoko i-ACA yatshintsha le nto ifuna izicwangciso zokubambisa oko kwakugunyazwe ngumthetho , njengemisebenzi ebalulekileyo . Ngolu tshintsho, eminye imibutho eyaphakamisa iiplani zempilo zaye zayeka okanye zatshintshela ingqalelo kwiinkqubo zezempilo ezongezelelweyo .
Nangona kunjalo, kusekho imibutho kunye namaqela obulungu abanika izicwangciso, uncedo, kunye neenkonzo kumalungu abo. Kufanelekile ukufumanisa ukuba ungayisebenzisa njani icebo lobulungu beqela ukugcina imali kwiindleko ze-inshurensi ukuba umntu ufumaneke kuwe.
Indlela engcono yokugcina imali kwi-inshurensi yezempilo kukuthenga ngeenxa zonke kwaye ufunde malunga neendlela ozikhethile kunye nendlela othelekisa ngayo nento oyifunayo intsapho yakho.
Abantu abaninzi abaqapheli ukuba kukho iiprogram ezingaphandle apho ezinokukunceda xa kunzima ukufumana i-inshorensi efikelelekayo . Ukuba ufuna ezinye iindlela zokugcina imali kwi-inshurensi yezempilo uhlole iingenelo zokusebenzisa i-HSA okanye ufumane eyongezelelekileyo nge-Medicare vs. Medicaid kwaye ngubani na onokufaneleka.