By U-Amita Brar  | Umsizi |  Seattle Office

Ukubandakanyeka engozini yemoto kungashintsha impilo yakho ngokushesha—ikakhulukazi lapho izikweletu zezokwelapha kanye nomholo olahlekile ziqala ukunqwabelana. Yilapho-ke Ukuvikelwa Kokulimala Komuntu (PIP) Ukumbozwa kungaba yindlela ebalulekile yokuphila. Uma unayo, i-PIP iyakusiza ukumboza izindleko zakho ngokushesha, ngaphandle kwesidingo sokunquma ukuthi ubani obenephutha. Kodwa kuthiwani uma ungenayo i-PIP kunqubomgomo yakho yomshuwalense wemoto?

Ake sichaze ukuthi iyini i-PIP, isebenza kanjani, kanye nezinketho zakho uma ungenayo ngemva kwengozi.

Uyini Umshwalense we-PIP?

Ukuvikelwa Kokulimala Komuntu Siqu (PIP) uhlobo lomshuwalense wemoto "ongenaphutha". Lokhu kusho ukuthi kuyasebenza kungakhathaliseki ukuthi ubani obangele ingoziI-PIP ingasiza ekumbozeni:

  • Izindleko zezokwelapha (njengokuvakashela i-ER, ama-aphoyintimenti kadokotela, kanye nokwelashwa ngokomzimba)
  • Ukulahlekelwa yimali uma ungakwazi ukusebenza ngenxa yokulimala kwakho
  • Izinsizakalo ezibalulekile zasekhaya (njengokuhlanza noma usizo lokunakekela uma ulimele kakhulu ukuba ungaziphatha wedwa)

Ezifundeni eziningi, i-PIP iyadingeka. Kodwa-ke, ku Washington Isifundazwe, i-PIP ayiphoqelekile—ukumbozwa kwayo okungakhethwa. Noma kunjalo, abantu abaningi bakhetha ukuyifaka kunqubomgomo yabo ngenxa yezinzuzo zayo ezibanzi kanye nokulula kokuyifinyelela.

Kungani i-PIP Ibalulekile

Kunezinzuzo eziningi zokuvula isimangalo se-PIP ngemva kokushayisana okuhlanganisa ukukhokhelwa kwezindleko zezokwelapha kuze kube yiminyaka emithathu ngemva kokushayisana, noma kufikela ku-$10,000 (noma ngaphezulu kuye ngenqubomgomo yakho); ukungakhokhi imali edonswayo noma inkokhelo yokubambisana; ukumbozwa kungakhathaliseki ukuthi ubani obangele ukushayisana njengoba i-PIP ingeyona iphutha; kanye nokuvikelwa enkampanini yakho yomshuwalense, ngokomthetho engeke ikwazi ukuphakamisa amazinga akho omshwalense noma ukukhansela inqubomgomo yakho yokusebenzisa i-PIP lapho ifaka umbiko wengozi.

Kuthiwani Uma Ungenayo i-PIP?

Uma wenqabe ukumbozwa kwe-PIP noma ungaqiniseki ukuthi unayo yini, ungesabi. Usenezinketho:

  1. Hlola Umshwalense Wakho Wezempilo
    Uma sekuqinisekisiwe ukuthi awunayo i-PIP, umshwalense wakho wezempilo kuzodingeka umboze ukwelashwa okuhlobene nengozi. Nokho, qaphela ukuthi ungase ube nesibopho sezimali ezidonswayo, izinkokhelo ezihambisanayo, kanye nezidingo zokugunyazwa kusengaphambili, kuye ngenqubomgomo yakho.
  2. Faka Isimangalo Ngomshuwalense Womshayeli We-At-Fault
    Uma omunye umshayeli ebangele ingozi, ungase ukwazi ukufaka isimangalo ngokumelene nomshuwalense wabo wesikweletu ngezindleko zezokwelapha, iholo elilahlekile, kanye neminye imonakalo. Le nqubo ingathatha isikhathi, futhi izivumelwano zingase zingafiki ngokushesha—ngakho-ke lungela ukubambezeleka.
  3. Isembozo se-MedPay (uma unayo)
    Ezinye izinqubomgomo zezimoto zifaka phakathi Izinkokhelo Zokwelashwa (MedPay) ukumbozwa, okusiza futhi ukukhokhela izindleko zezokwelapha, nakuba ngokuvamile ngamanani amancane kune-PIP.
  4. Izinhlelo Zokukhokha Ezingaphandle Kwesikhwama
    Ngaphandle kwe-PIP noma umshwalense wezempilo ofanele, kungadingeka uxoxe izinhlelo zokukhokha nabahlinzeki bakho noma ucele usizo kummeli wokulimala komuntu siqu ukuze uhlole izinketho zesinxephezelo.

Abameli be-GLP balapha ukuzokumela ecaleni lakho lokulimala komuntu siqu

Abameli be-GLP balapha ukuzokusiza ukuthi ubhekane nomshuwalense wakho ngemva kokushayisana kwemoto. Sifuna ukuqinisekisa ukuthi ngenkathi ululama ekulimaleni kwemoto, uyakwazi futhi ukuzizwa uphephile ngokwezimali. Amacala okulimala komuntu siqu ngenxa yokulimala kwemoto angaba nzima, futhi kufanele uqonde izinhlobo ezahlukene zezinkinga zomshuwalense kanye nezibopho zomshuwalense ezingasebenza ecaleni lakho, kufaka phakathi umshuwalense Wokuvikelwa Kokulimala Komuntu Siqu. Uma ucabanga ukuthi othile ube nephutha ekubangeleni ingozi wena, ilungu lomndeni noma umngane enihileleke kuyo, kufanele uthole amaqiniso esimangalo sakho abuyekezwe ngummeli ngokushesha okukhulu.

Uma uke waba sengozini yemoto, sicela ushayele ucingo 800.273.5005, noma uthumele i-imeyili kubameli bethu bokulimala komuntu siqu ku- ukuze uthole ukubonisana kokuqala kwamahhala. Omunye wabameli bethu abanekhono uzokwazi ukukutshela ukuthi ungakwazi yini ukuqoqa umonakalo.