Nzira Yokuwana Nayo
Kubatana kwepamberi apo vanhu vaviri vanogara pamwe chete uye vanobatanidzwa muhukama hwehukama huri kugoverana hupenyu hwemhuri sekunge vakaroora, zvisinei kuti havasi ivo vakaroorana. Kuva muhukama hwepamberi kunosanganisira kuva muukama hwakazvipira. Iwe haugoni kuroorwa kune mumwe munhu, uye uchiri kuonekwa sewawakaroorana naye, verenga zvakawanda pamusoro pezvigadziriswa uye zvinogadziriswa zvezvinoita kuti vanhu vafunge sevashandisi vekumba vari pasi apa.
Mudzimba wepamba (DP) izwi rinoreva munhu asina kuroorana naye mumwe chete kana kuti wepabonde.
Mushandi wepamba ishoko rinowanzoshandiswa muhutano inshuwalhu kutsanangura ndiani angave akafukidzwa nehutano hwemhuri. Izwi racho rinogonawo kutumidzwa seChristian Domestic Partners (QDP) .
Chii chinonzi Domestic Partner Insurance?
Dzimba Part Partner Insurance kana Domestic Partner Health Insurance ndeye apo bvumirano yehushuwarisi inowedzera tsanangudzo yemudzimai kuti azive vavakidzani vekumba, sezvikonzero, inshuwarhu yehutano yehutano inogona kuwedzerwa kune shamwari isina kuroora uye nevana vavo. Vakaroorana nevanoita zvepabonde vakasiyana vanogona kugovera inishuwarenzi pasi pevashandi vehurumende inshuwarheni yekugoverana sezvinongoita vakaroora vangadai, nechinangwa chikuru chekudzivirirwa kweinishuwarensi yekodzero uye kukwanisa kukodzera kubhadharo yevashandi.
Ndiani Anogadzirisa seMudzimai Wemudzimai?
Sezvo pasina huripo hurumende inotungamira iyo inotaura izvo kubatana kwepamberi ndeye, mhinduro iyoyo iri kune mumwe munhu wehurumende.
Izvi zvinowanzova tsika yakawanda yehurumende yekuona hukama hwemhuri semunhu akazvipira muhukama (zvepabonde zvakafanana kana zvepabonde zvakasiyana) zvakafanana newanano, asi pasina chiremera chekuroorana chepamutemo. Saka, izvi zvinoreva kuti vaviri vacho vaizova nemafungiro akafanana emuchato sekugovana pamwe chete nekugara mune zvemari .
Nzira Yokufanirwa Nayo kana Kuratidza Kuti Uri Mushandi Wekumba Kwemudzimai Wemudzimai Wehutano Inishuwarenzi
Iwe unogona kuisa chimiro chinowanika kubva kuhutano hwehutano inshuwarisi kana mushandi wepurogiramu plan administrator iyo inosanganisira kuzivisa kwakasiyana, semuenzaniso, unoti:
- iyo imwe nguva yenguva dzose uye yekusingaperi kwemwedzi mitanhatu, gore rimwechete (zvichienderana nekambani yveshuwarenzi) nechinangwa chazvino chekuramba uchiita zvakadaro nokusingaperi.
- vanozivikanwa sevari muukama mumaziso evanhu vose
- kana munhu akaroorwa kune mumwe munhu kunze kwemuyo wepamberi uye hakuna munhu ari muukama hwepamberi nemumwe munhu
- Vari pamwe chete nemari yekutarisira "zvigaro zvekugara mari," inotsanangurwa semari yezvokudya zvekudya, pokugara uye zvimwe zvinoshandiswa kune wekugara naye nekuda kwekushandira pamwe chete. Izvi zvinogona kusanganisira zvinoda kuratidza izvi nekuratidza zvinyorwa
Zvinyorwa Zvingabatsira Kuratidza Kudyidzana Kwemhuri kuburikidza neShared Financial Responsibility Zviziviso
Kunyange zvazvo zvinhu zvose izvi zvisingadi kudiwa, iwe unogona kuratidza zvimwe zveizvi kuratidza "kubatana kwepamberi" mune dzimwe hutano hwehutano.
- Kugara kune imwe motokari kana imwe nzvimbo (chibvumirano chakabatanidzwa kana chibvumirano chekutengesa)
- Malayisensi ekufambisa aine kero yakafanana
- Uchapupu hwemabhengi emabhanki emabhanki kana mabhidhikiti ekwereti uye chikwereti
- Kusarudzwa semugove wekutanga we inshurensi yehupenyu, kubhadhara mari, kana pasi pekuda kwaanoda
- Kugovera kwesimba revatongi
Vana Vemudzimai Vekumusha Vakabatanidzwa Pasi Pemudzimai Dzakabatana?
Kana kambani ye inshuwarhu yehutano ichikuziva iwe semudzidzisi wemudzimai akakodzera, ipapo vana vako vachave vakakodzera kubatsirwa pasi pemhuri inobatsira. Izvi zvinogona kusanganisira: vana venyama, vana vokurera, uye vana vanobvumirwa nomutemo. Iwe unogona kubvunza hutano hwehutano urongwa hwehutungamiri kuti ujekese huwandu hwepamusoro kune chero mamiriro ezvinhu chaiwo kuve nechokwadi kuti vana vakanyatsogadziriswa. Kazhinji kana fomu yacho yasimbiswa kukumbira kubvumwa semunhu akakodzera muvakidzana naye, kune ruzivo rwekuzadzwa mune zvevana.
Unogona Sei kuwedzera Dzimba Dzakabatana kuIriyo Health Insurance Plan?
Kunyange zvazvo chirongwa cheshuwarisi yose chakasiyana, bvunza zvaunobatsira chirongwa chemuongorori kuti uwane zvakajeka uye ita chikumbiro chako chekuti iwe unogona kuwedzerwa nekukurumidza. Zvizhinji zvehutano zvirongwa zvehutano zvichabvumira kuwedzerwa kwemudzimai wepamberi kana chirongwa chinosanganisira rudzi urwu rwekuvhara.
Ndinonzwisisa sei Inishuwarenzi Yomumwe Mhuri?
Kuongorora vavakidzani veimba inishuwarenzi kunoda kubvunzurudza kwakafanana sekuongorora kushandiswa kwemhando ipi zvayo yehutano inshuwarisi . Kutora nguva yeku kunzwisisa nekudzokorora hutano hwehutano hwehutano hwakakosha uye huchakubatsira iwe kuwana zvakanyanya pane inshuwarisi yako. Kushandisa Health Health Insurance iyo nyaya ichakubatsira kuti uone rudzi rwehutano hwehutano hunodikanwa pamwe chete nemashoko ekunzwisisa hurongwa hwako hwehutano inshuwarano uye rubatsiro rwemhosva.
Ndingawana Sei Dzimba Dzepamberi Inishuwarenzi yeHurongwa Hwokubatsira?
Kuwana kambani yeInishuwarenzi iyo ichakubvuma iwe newawakaroorana naye dzimwe nguva inguva yakareba, iyo inopedza nguva kunyanya kana kuchinja kumitemo muna 2015 yakaita kuti mushandirwi wenyu aparadze pamba inshuwarisi yekubatsira. Danho rokutanga raizova kutanga neunoshandira wako anobatsirwa nehutano inshuwarano chirongwa pabasa. Iwe unogona kutaura neinishuwarenzi yako yekambani uye nekuvabvunza kana iwe unogona kuvhara wako wepambani kune mumwe wako mushandi wehutano inshuwarano uye kana zvakadaro iwe matanho aunoda kutora kuti utange. Kana urongwa hwehutano hwehutano hwako hwehutano husingatauri muimba yevashandi inshurendi inotevera cheki nekambani yega. Heano mamwe mitsamba inowanikwa muIndaneti inogona kubatsira mukutsvaga kweimba yako inshuwarisi:
Inishuwarenzi Makambani Anopa Dzimba Dzakabatanidzwa Kubatsirana
Migumisiro yeMurume Nomurume Nomudzimai WeMbairo Mutemo Pamushandi Wepamberi Dzakabatsirana
Ko iwe waunoshandira angakumanikidza iwe kuti uroorane kuitira kuti ubatsirwe neurongwa hwehutano hwehutano, ramba uchitaura pamusoro pezvimwe zvekushandura uye nhamba pamusoro pebasa rinoitirwa vashandi vekumba uye mhuri yemazuva ano pane peji 2 pamwe nemashoko
Zvaunofanira Kuita Kana Iwe Unoda Dzimba Dzakabatsirana Nevamwe uye Mubatsiri Wenyu Haazovadzi
Chikonzero nei Kubatsirwa Kwemudzimai Kwemhuri Kunokosha muSocial Society
Tsanangudzo yevanowanikwa muhutano muhutano hwehutano inshumo yakave yakakosha uye inokosha nokuti mumakore akawanda vakawanda uye vakawanda vekuAmerica vanosarudza kurarama muhukama hwekugara kwenguva refu, asi usasarudza kuva nemutemo kana kuti "zvekutenda" zvechitendero. Kusvikira mitemo ichangobva kuitika, izvi zvaive zvakakosha kune vakomana nevarume vakaroorana nemhuri kuti vaone kuti vaigona kuva nemukana pamhando imwechete yezvikomborero izvo vamwe vemunharaunda vakatarisana nevarume vanoita zvepabonde vakabatsirwa. Sezvo zvido zvevanhu zvakashanduka, vashandi vakawanda vanopa zvikwereti zvebasa uye makambani eishuwarisi akachinja pamwe navo.
Mazuva ano Mhuri uye Dzimba Dzakabatana Inishuwarenzi yehutano
Nhoroondo, apo vaviri vakaroorana vakaronga hurongwa hwehushuwarisi vaifanira kuroorwa. Zvisinei, kubvira muna 2000 kusvikira muna 2008, pakanga pane kuwedzera kwema15,7% kune vasina kuroorwa-vakaroorana, mhirizhonga dzimba dzepabonde , muna 2014, maererano nemashoko kubva kuNational Center for Family & Marriage Research, pakanga pane mamiriyoni 7.9 akaroorana vanogara pamwe chete. Zvinonzwisisika kuti mberi-kufunga sei vashandisi nemakambani einishuwarenzi zvakashandura hutano hunobatsira kubhadhara kwenguva yakareba yekubatanidza vashandi vekudzimba uye kupa kugoverwa kune vasiri mhuri.
Mhedzisiro yeMurume Nomurume Nomudzimai Wepabonde Mutemo weDomesti Partner Inishuwarenzi Inobatsira
Nenzira dzevamwe vashandi vakapiwa vashandisi vekudzivirira kune avo vanoita zvepabonde nemurume mumwe chete nekuti havana kukwanisa kuroorwa nemutemo. Maererano neAon Hewitt, 77% yevashandirwi vakuru vanopa vashandi pamwe chete mazano kune avo vanoita zvepabonde vakaroorana uye 51% vanopa zvakanakira kune vakomana nevasikana.
Kutevera kuchinja kwebumbiro, pakanga paine pfungwa dzakawanda kudai vashandi ava vakangopa kugoverwa pamusana pemitemo inogadziriswa vaizobvisa kukwanisa kwevashandi vavo kubatsirwa nevanowanikwa mumba mavo inshuwarisi nokuti zvino vaigona kuroora. Sezvinorondedzerwa muhuwandu hwepamusoro pamusoro pekubatana kwevanhu uye vekudyidzana navo vanodiwa zvevanhu vakasiyana-siyana vakaroorana nemhuri muAmerica, rudzi urwu rwechisarudzo runopesana nezvinonzi data, asi zvisinei, makambani anoita zvisarudzo angangodaro ari pakati boka revakashandira vasina kumbobvumira kugoverana kune vakomana nevarume vanoita zvepabonde kana. Iwe unogona kuona Bhizinesi reBasa Statistics tafura yevasina kuroorwa vashandi vemunharaunda vanobatsirwa mumakambani ega ega pano.
Muna 2015, mamwe makambani akabvisa vashandi vehutano yehutano yehutano kuvashandi vavo vachipa vashandi kuti vaone kuchinja, kuitira kuti vawane nguva yeku "noroora" pasi pechirevo chokuti kana vanhu vachida kuroora, ivo zvino vari pamutemo uye chokwadi chokuti vashandi vepabonde nevanopesana vakanga vasina kubatsirwe neimba yevashandi vekugoverana, naizvozvo izvi zvingaita sezvakanaka.
Murayiridzi Wako Anogona Kushanda Iwe Kuti Uroorane Kuti Uwane Vashandi Vehutano Hwakawanda Here?
Zviri pachena kuti mushandi haagoni kukumanikidza kuti uroorane, uye munhu haafaniri kuroora kana achitsvaga nekuda kwehutano huripo, asi kune vashandi vasingabatsiri inshuwarano kune vashandi vavo vanogara mumba uye mhuri, kukosha kwehutano inshuwarisi chikamu chezvikomborero zvinogona kuve zvakakosha zvikuru.
Ko Dzimba Dzakabatsirana Nevamwe Mhuri Inoshandiswa Mari inoshandiswa Mubhidha Mamwe Mari?
Sekugoverwa neHuman Rights Campaign, zvidzidzo zvakasiyana-siyana neHewitt Associates zvinopa ruzivo rwakaratidza kuti mari yevasina kuroora kana kuroora haina kuwedzera mari inopfuura 1-3% kune waanoshandira uye kuti mari chaiye yevabereki vanobatsirana nayo yakafanana avo vakaroorwa vashandi "vakaroorana" vanobatsirwa.
Zvikwereti zvevashandi zvinotarisirwa kukwezva nekuchengetedza vashandi vakanaka, uye zvichida apa ndiyo inonyanya kukosha yavanoshandira pavanofunga kupa Domestic Partner Benefits.
Zvaunofanira Kuita Kana Iwe Unoda Mhuri Dzakabatsirana Nayo uye Washandi Wako Haazovadzi
Kana iwe waunoshandira asingakwanisi kupa vekudyidzana naye mari, iwe unogona kuona kana waunoshandira wako achiita. Kukundikana izvi, unogona kutarisa kuti uwane hutano hwako humwe huripo kubva kune inshuwarisi uyo anopa Inishuwarenzi yeMishandirapamwe yeMhuri. Kana uchinge wava nezvimwe zvibatsiro, kana zvikupa zviri nani kana kuti zvakawanda, kana mushure mokuongorora zvakanyatsotariswa uye kana imwe shanduro yako iripo iwe unogona kukumbira kuti usayine mari yehutano yehutano uye edza uye kutaurirana zvimwe zvipo kubva kune waunoshandira.
- Inishuwarenzi Makambani Anopa Dzimba Dzakabatanidzwa Kubatsirana
Unogona Kubvunza Muridzi Wako Kuti Awedzere Domestic Partner Benefits kuChirongwa?
Ehe! Iwe unogonawo kuedza uye kumbira wako wako kuti awedzere mhuri yako mazano kune imwe kambani yehutano inshuwarano hurongwa uchishandisa data yatakurukura pamusoro apa. Pakati pacho, hazvizoiti mari yakawanda kana chimwe chinhu. Kuverengerwa kwevashandi vekumba kunogona kuwedzerwa nehuwandu hwehutano hwehutano hwevashandi nyore nyore.