By UBrennan Nolting | Umsizi |  Seattle Office

Uma ulimele ngenxa yokunganaki komunye umuntu, kungaba yingozi yemoto, ukushelela nokuwa, noma isigameko somsebenzi, ukwelashwa cishe kuyinto yokuqala oyikhathalelayo. Kodwa uma usuthole ukunakekelwa, izikweletu ziyaqala ukufika. Uma ungenawo umshwalense, noma uma umshwalense wakho ungahlangabezani nazo zonke izindleko zakho, ungase uhlangane nesibopho sezokwelapha.

Iyini Isibopho Sezokwelapha?

A isixhumanisi sezokwelapha kuyisicelo esisemthethweni esiphikisana nenkokhelo yakho yokulimala komuntu siqu noma umklomelo ovela kumhlinzeki wezempilo noma umshwalense wokubuyisa izindleko zokwelashwa abakunikezile. Empeleni, umhlinzeki uyavuma ukukwelapha manje ukuze akhokhelwe kamuva, uma futhi nini uyawina noma uxazulula isimangalo sakho sokulimala komuntu siqu.

Ngokuvamile kunezinhlobo ezintathu zezibopho zezokwelapha:

  1. Izibopho Zomhlinzeki – Kusuka ngqo esibhedlela noma kudokotela.
  2. Izibopho Zomshwalense Wezempilo – Kusuka kumhlinzeki wakho womshuwalense wezempilo, okuhlanganisa nezinhlelo zikahulumeni ezifana ne-Medicare noma i-Medicaid.
  3. Izibopho Zenkampani Yesithathu – Kusuka kwamanye amaqembu afana nezinkampani zomshuwalense wemali yabasebenzi noma izinkampani zokuxhasa ngezimali zezokwelapha.

Indlela Izibopho Zezokwelapha Ezisebenza Ngayo

Izibopho zezokwelapha zivame ukusetshenziswa uma:

  • Umuntu olimele akanawo umshwalense noma akanawo umshwalense ophelele.
  • Umuntu olimele akanakukwazi ukukhokhela izindleko eziphuma ephaketheni lakhe.
  • Umhlinzeki uzimisele ukuhlehlisa inkokhelo ngokulindela ukukhokhelwa.

Uma isibambiso sesifakiwe, siba yisibopho esisemthethweni. Ngemva kokuba icala selixazululiwe, isibambiso kumele senziwe ngaphambi kokuthi uthole noma iyiphi ingxenye yesibambiso sakho.

Isibonelo: Uma uvuma u-$100,000 futhi umhlinzeki wakho enesibopho sika-$30,000, lelo nani lisuswa esivumelwaneni ngaphambi kokuba uthole okusele.

Ungawaphatha Kanjani Ama-Liens Wezokwelapha

  1. Buyekeza Zonke Izibopho Ngokucophelela
    Qiniseka ukuthi izindleko zinembile futhi zihlobene nengozi yakho. Unelungelo lokuphikisa izindleko ezikhuphukile noma ezingahlobene.
  2. Xoxani Ngenani Lesibopho
    Abameli abaningi bazoxoxisana nabahlinzeki noma izinkampani zomshuwalense ukuze banciphise inani lesikweletu, ngokuvamile kakhulu.
  3. Beka phambili izibopho zikahulumeni
    Izibopho ezivela ku-Medicare, i-Medicaid, noma ukunakekelwa kwezempilo kwezempi (isib. i-TRICARE) zivame ukuba phambili futhi kumele zixazululwe kuqala.
  4. Thola Usizo Kummeli
    Umthetho we-lien uyinkimbinkimbi. Ummeli onolwazi ngokulimala komuntu angasiza ekuqinisekiseni ukuthi i-lien iyasebenza, ifakwe kahle, futhi incishisiwe lapho kungenzeka khona.

Xhumana Nommeli Onolwazi Ngezokulimala Komuntu Siqu Namuhla

Uma ulimele engozini ebangelwe ukunganaki komunye umuntu, kungaba yingozi yemoto, ukushelela nokuwa, noma esinye isigameko, kubalulekile ukuqonda ukuthi izikweletu zezokwelapha zisebenza kanjani. Izikweletu zezokwelapha zinganqwabelana ngokushesha, ikakhulukazi uma ungenawo umshwalense noma ungenawo umshwalense ophelele, futhi abahlinzeki bezempilo bangase baqinisekise isikweletu ngokumelene nenkokhelo yakho yokugcina noma umklomelo.

Kwa-GLP Attorneys, siqondisa abantu abalimele ezindabeni zomthetho nezezimali eziyinkimbinkimbi ezilandela ingozi, okuhlanganisa nokubhekana nezikweletu zezokwelapha. Sicela ushayele ucingo. 800.273.5005 noma uthumele i-imeyili kubameli bethu bokulimala komuntu siqu ku- ukuze uthole ukubonisana kwamahhala kokuqala.