By ʻO Brennan Nolting Hoa Hana | Seattle Office
Inā ua ʻeha ʻoe ma muli o ka mālama ʻole o kekahi, inā paha ma kahi ulia kaʻa, kahi paheʻe a hāʻule, a i ʻole kahi hanana ma kahi hana, ʻo ka mālama lapaʻau paha kāu mea mua e hopohopo ai. Akā i ka wā e loaʻa ai iā ʻoe ka mālama, hoʻomaka ka hōʻea ʻana mai o nā bila. Inā ʻaʻohe ou ʻinikua, a inā ʻaʻole uhi kāu ʻinikua i kāu mau lilo āpau, hiki iā ʻoe ke hālāwai me kahi lien lapaʻau.
He aha ka Lien Lapaʻau?
A pili kino he hoʻopiʻi kū kānāwai ia e kūʻē i kāu hoʻoponopono ʻeha pilikino a i ʻole ka uku e kahi mea mālama ola kino a i ʻole ka mea inikua e hoʻihoʻi i nā kumukūʻai o ka mālama ʻana a lākou i hāʻawi ai. ʻO ke kumu, ʻae ka mea lawelawe e mālama iā ʻoe i kēia manawa ma ke ʻano he uku no ka loaʻa ʻana o ka uku ma hope, inā a i ka manawa hea lanakila ʻoe a hoʻoponopono paha i kāu koi hōʻeha pilikino.
ʻEkolu mau ʻano o nā kuleana lapaʻau ma ke ʻano laulā:
- Nā Liens Mea Hoʻolako – Mai ka haukapila a i ʻole ke kauka pololei.
- Nā Liens ʻInikua Ola – Mai kāu mea lawelawe ʻinikua olakino, me nā polokalamu aupuni e like me Medicare a i ʻole Medicaid.
- Nā Liens ʻAoʻao ʻEkolu – Mai nā ʻaoʻao ʻē aʻe e like me nā ʻinikua uku limahana a i ʻole nā ʻoihana kālā lapaʻau.
Pehea e hana ai nā Liens Lapaʻau
Hoʻohana pinepine ʻia nā lālā lapaʻau i ka wā:
- ʻAʻohe ʻinikua o ka ʻaoʻao i ʻeha a ʻaʻole paha i lawa ka ʻinikua.
- ʻAʻole hiki i ka mea i hōʻeha ʻia ke uku i nā lilo ponoʻī.
- Ua mākaukau ka mea hoʻolako e hoʻopanee i ka uku ma mua o ka hoʻoponopono ʻana.
Ke waiho ʻia kahi lien, lilo ia i kuleana kū kānāwai. Ma hope o ka hoʻoholo ʻana o ka hihia, pono e hoʻokō ʻia ka lien ma mua o kou loaʻa ʻana o kekahi ʻāpana o kāu hoʻonā.
la'ana: Inā ʻoe e ʻae i $100,000 a loaʻa i kāu mea hāʻawi kahi lien $30,000, e unuhi ʻia kēlā nui mai ka hoʻonā ma mua o kou loaʻa ʻana o ke koena.
Pehea e mālama ai i nā palapala hoʻopaʻa lapaʻau
- E Nānā Pono i nā Liens a Pau
E hōʻoia i ka pololei o nā uku a pili i kāu ulia. Loaʻa iā ʻoe ke kuleana e hoʻopaʻapaʻa i nā uku i hoʻonui ʻia a pili ʻole paha. - E kūkākūkā i ka nui o ka Lien
E kūkākūkā nā loio he nui me nā mea hoʻolako a i ʻole nā mea inikua e hōʻemi i ka nui o ka lien, pinepine nui. - E hoʻokau i nā kuleana aupuni ma ke ʻano mua
ʻO nā kuleana mai Medicare, Medicaid, a i ʻole ka mālama ola kino koa (e like me TRICARE) ka mea maʻamau a pono e hoʻoponopono mua ʻia. - E kiʻi i ke kōkua mai kahi loio
He paʻakikī ke kānāwai lien. Hiki i kahi loio hōʻeha pilikino akamai ke kōkua i ka hōʻoia ʻana ua kūpono nā lien, waiho pono ʻia, a hoʻemi ʻia i nā wahi āpau e hiki ai.
E kāhea aku i kahi Loio ʻEha Pilikino Akamai i kēia lā
Inā ua ʻeha ʻoe i kahi ulia i hana ʻia e ka mālama ʻole o kekahi, inā paha ma kahi ulia kaʻa, kahi paheʻe a hāʻule, a i ʻole kekahi hanana ʻē aʻe, he mea nui e hoʻomaopopo pehea e hana ai nā liens lapaʻau. Hiki ke hōʻiliʻili koke ʻia nā bila lapaʻau, ʻoiai inā ʻaʻohe ou ʻinikua a i ʻole ka liʻiliʻi o ka ʻinikua, a hiki i nā mea lawelawe olakino ke koi i kahi lien e kūʻē i kāu hoʻoponopono hope ʻana a i ʻole ka makana.
Ma GLP Attorneys, alakaʻi mākou i nā poʻe i ʻeha ma o nā pilikia kānāwai a me ke kālā paʻakikī e pili ana i kahi ulia, me ka hana ʻana me nā liens lapaʻau. E ʻoluʻolu e kelepona mai 800.273.5005 a i ʻole leka uila i kā mākou loio hōʻeha pilikino ma no ke kuka mua manuahi.
