By UBrennan Nolting | Umhlobo |  Seattle iofisi

Ukuba wonzakele ngenxa yokungakhathali komnye umntu, nokuba kwingozi yemoto, ukutyibilika nokuwa, okanye isiganeko somsebenzi, unyango lusenokuba yeyona nto iphambili ocinga ngayo. Kodwa wakuba ufumene unyango, amatyala ayaqala ukufika. Ukuba awunayo i-inshorensi, okanye ukuba i-inshorensi yakho ayizigubungeli zonke iindleko zakho, unokudibana ne-lien yezonyango.

Yintoni i-Medical Lien?

A ikhonkco lezonyango libango elisemthethweni elichasene nentlawulo yakho yokwenzakala okanye ibhaso elivela kumboneleli wezempilo okanye kwi-inshorensi yokubuyisela iindleko zonyango abalunikileyo. Ngokwenyani, umboneleli uyavuma ukukunyanga ngoku ngokutshintshiselana nokuhlawulwa kamva, ukuba kwaye nini uyaphumelela okanye uhlawula ibango lakho lokwenzakala.

Ngokubanzi kukho iintlobo ezintathu zezibonelelo zonyango:

  1. Iimali zoMboneleli – Ukusuka ngqo esibhedlele okanye kugqirha.
  2. Iimali ze-inshurensi yezempilo – Kuvela kumboneleli wakho weinshorensi yezempilo, kuquka neenkqubo zikarhulumente ezifana neMedicare okanye iMedicaid.
  3. Iimali-mboleko zoMntu Wesithathu – Ukusuka kwamanye amaqela afana neenkampani zomshuwalense wemali yabasebenzi okanye iinkampani zokuxhasa ngezimali zonyango.

Indlela Ezisebenza Ngayo Iinkonzo Zonyango

Ii-liens zonyango zihlala zisetyenziswa xa:

  • Umntu owonzakeleyo akanayo i-inshurensi okanye akanayo i-inshurensi eyaneleyo.
  • Umntu owonzakeleyo akanakukwazi ukuhlawula iindleko eziphuma epokothweni yakhe.
  • Umboneleli uzimisele ukulibazisa intlawulo elindele ukuba intlawulo ihlawulwe.

Nje ukuba ityala lifakwe, liba yimbopheleleko esemthethweni. Emva kokuba ityala lisonjululwe, ityala kufuneka laneliswe ngaphambi kokuba ufumane nayiphi na inxalenye yesivumelwano sakho.

Umzekelo: Ukuba uvuma i-$100,000 kwaye umboneleli wakho une-lien ye-$30,000, loo mali itsalwa kwisivumelwano ngaphambi kokuba ufumane okuseleyo.

Indlela yokuphatha iiLiens zoNyango

  1. Hlola Zonke Iimali Ngononophelo
    Qinisekisa ukuba amatyala achanekile kwaye anxulumene nengozi yakho. Unelungelo lokuphikisa amatyala anyuswe kakhulu okanye angahambelaniyo.
  2. Thetha ngeMali yokuXhaswa
    Amagqwetha amaninzi aya kuthethana nababoneleli okanye abanini bomshuwalense ukuze kuncitshiswe isixa semali ebolekiweyo, ngokufuthi kakhulu.
  3. Beka phambili ii-Liability zikaRhulumente
    Iimali-mboleko ezivela kwi-Medicare, i-Medicaid, okanye iinkonzo zempilo zasemkhosini (umz., i-TRICARE) zihlala zibalulekile kwaye kufuneka ziqwalaselwe kuqala.
  4. Fumana Uncedo Kwigqwetha
    Umthetho wetyala uyinkimbinkimbi. Igqwetha elinamava lokwenzakala komntu linokunceda ukuqinisekisa ukuba ityala liyasebenza, lifakwe ngokufanelekileyo, kwaye lincitshisiwe naphi na apho kunokwenzeka khona.

Nxibelelana neGqwetha elinamava ngezoNzakalo zoMntu namhlanje

Ukuba wonzakele kwingozi ebangelwe kukungakhathali komnye umntu, nokuba kwingozi yemoto, ukutyibilika nokuwa, okanye esinye isiganeko, kubalulekile ukuqonda indlela esebenza ngayo imali yetyala lezonyango. Iindleko zonyango zinokuqokelelana ngokukhawuleza, ingakumbi ukuba awunayo i-inshorensi okanye awunayo i-inshorensi eyaneleyo, kwaye ababoneleli bezempilo banokubeka i-inshorensi ngokuchasene nentlawulo okanye isigwebo sakho ekugqibeleni.

Apha kwi-GLP Attorneys, sikhokela abantu abonzakeleyo kwimiba enzima yezomthetho neyezemali elandela ingozi, kuquka nokujongana neemali mboleko zonyango. Nceda utsalele umnxeba. 800.273.5005 okanye uthumele i-imeyile kumagqwetha ethu okwenzakala komntu ku- kudliwanondlebe lokuqala lwasimahla.