{"id":3307,"date":"2024-11-28T02:53:10","date_gmt":"2024-11-27T21:53:10","guid":{"rendered":"https:\/\/101insurance.ca\/?p=3307"},"modified":"2025-03-27T16:50:26","modified_gmt":"2025-03-27T11:50:26","slug":"phuc-loi-cua-cong-ty-employer-benefits-nhung-dieu-can-biet","status":"publish","type":"post","link":"https:\/\/101insurance.ca\/vi\/phuc-loi-cua-cong-ty-employer-benefits-nhung-dieu-can-biet\/","title":{"rendered":"PH\u00daC L\u1ee2I C\u1ee6A C\u00d4NG TY (EMPLOYER BENEFITS) \u2013 Nh\u1eefng \u0111i\u1ec1u c\u1ea7n bi\u1ebft"},"content":{"rendered":"\n
\"\"\/<\/figure>\n\n\n\n

L\u1ea1i ng\u1eabu h\u1ee9ng h\u00f4m nay m\u00ecnh ng\u1ed3i review l\u1ea1i c\u00e1c benefit v\u00e0 b\u1ea3o hi\u1ec3m c\u1ee7a c\u00f4ng ty anh ch\u1ed3ng m\u00ecnh \u0111\u1ec3 xem c\u00f2n g\u00ec ch\u01b0a x\u00e0i th\u00ec x\u00e0i cho h\u1ebft. V\u1eady n\u00ean m\u00ecnh ti\u1ec7n th\u1ec3 vi\u1ebft m\u1ed9t b\u00e0i chi ti\u1ebft nh\u1eefng \u0111i\u1ec3m quan tr\u1ecdng c\u1ea7n bi\u1ebft v\u1ec1 b\u1ea3o hi\u1ec3m & ph\u00fac l\u1ee3i c\u1ee7a employer. R\u1ea5t nhi\u1ec1u b\u1ea1n \u0111i l\u00e0m c\u00f4ng ty \u0111\u01b0\u1ee3c h\u01b0\u1edfng benefits nh\u01b0ng ch\u01b0a hi\u1ec3u h\u1ebft v\u00e0 t\u1eadn d\u1ee5ng h\u1ebft \u0111\u01b0\u1ee3c c\u00e1c g\u00f3i benefits n\u00e0y, n\u00ean m\u00ecnh ngh\u0129 r\u1ea5t c\u1ea7n thi\u1ebft \u0111\u1ec3 vi\u1ebft 1 b\u00e0i chi ti\u1ebft v\u1ec1 ch\u1ee7 \u0111\u1ec1 n\u00e0y.<\/p>\n\n\n\n

1. Ph\u00fac l\u1ee3i c\u1ee7a c\u00e1c c\u00f4ng ty th\u01b0\u1eddng c\u00f3 g\u00ec?<\/strong><\/h2>\n\n\n\n

B\u00ean c\u1ea1nh l\u01b0\u01a1ng v\u00e0 th\u01b0\u1edfng, \u0111i\u1ec1u m\u00e0 r\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi \u0111i l\u00e0m h\u00e3ng (c\u00f4ng ty) quan t\u00e2m \u0111\u00f3 l\u00e0 ph\u00fac l\u1ee3i. C\u00e1c ph\u00fac l\u1ee3i n\u00e0y c\u00f3 th\u1ec3 bao g\u1ed3m nh\u1eefng kho\u1ea3n th\u00f4ng d\u1ee5ng sau \u0111\u00e2y<\/p>\n\n\n\n

    \n
  • B\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe<\/li>\n\n\n\n
  • Ti\u1ebft ki\u1ec7m ngh\u1ec9 h\u01b0u (Retirement Saving Plans)<\/li>\n\n\n\n
  • Ng\u00e0y ngh\u1ec9 c\u00f3 l\u01b0\u01a1ng (Paid Time Off)<\/li>\n<\/ul>\n\n\n\n

    Th\u00f4ng th\u01b0\u1eddng nh\u1eefng ph\u00fac l\u1ee3i n\u00e0y c\u00f3 deal \u0111\u01b0\u1ee3c kh\u00f4ng? \u0110o\u1ea1n n\u00e0y m\u00ecnh ng\u1eabu h\u1ee9ng vi\u1ebft ngo\u00e0i l\u1ec1 t\u00ed x\u00edu. C\u00f3 th\u1ec3 c\u00f3 m\u1ed9t s\u1ed1 b\u1ea1n ngh\u0129 r\u1eb1ng nh\u1eefng ph\u00fac l\u1ee3i n\u00e0y c\u1ee7a c\u00f4ng ty n\u00f3 l\u00e0 ch\u00ednh s\u00e1ch r\u1ed3i, s\u1ebd kh\u00f4ng deal \u0111\u01b0\u1ee3c. Nh\u01b0ng tr\u00ean th\u1ef1c t\u1ebf, n\u1ebfu b\u1ea1n l\u00e0 talent – \u1edf v\u1ecb th\u1ebf c\u00f3 quy\u1ec1n \u201cv\u00eanh m\u1eb7t\u201d l\u00ean deal th\u00ec v\u1eabn c\u00f3 th\u1ec3 deal \u0111\u01b0\u1ee3c. \u0110\u00e2y l\u00e0 kinh nghi\u1ec7m t\u1eeb anh ch\u1ed3ng m\u00ecnh. C\u1ee5 th\u1ec3 nh\u1eefng c\u00e1i m\u00e0 \u1ea3nh t\u1eebng deal \u0111\u01b0\u1ee3c c\u00f3 th\u1ec3 k\u1ec3 \u0111\u1ebfn l\u00e0:<\/p>\n\n\n\n

    – Y\u00eau c\u1ea7u b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe l\u1eadp t\u1ee9c c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y k\u00fd h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng. Th\u00f4ng th\u01b0\u1eddng, t\u00f9y v\u00e0o c\u00f4ng ty m\u00e0 b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe c\u00f3 th\u1ec3 b\u1eaft \u0111\u1ea7u c\u00f3 hi\u1ec7u l\u1ef1c sau khi qua th\u1eddi gian th\u1eed vi\u1ec7c (probation time) ho\u1eb7c sau 1 n\u0103m k\u1ec3 t\u1eeb ng\u00e0y k\u00fd h\u1ee3p \u0111\u1ed3ng ch\u00ednh th\u1ee9c. N\u1ebfu c\u00e1c b\u1ea1n kh\u00f4ng deal th\u00ec m\u1eb7c \u0111\u1ecbnh s\u1ebd theo quy \u0111\u1ecbnh c\u1ee7a c\u00f4ng ty. Nh\u01b0 v\u1eady khi b\u1ea1n chuy\u1ec3n vi\u1ec7c s\u1ebd b\u1ecb m\u1ea5t ph\u00fac l\u1ee3i BH s\u1ee9c kh\u1ecfe trong kho\u1ea3ng th\u1eddi gian gap n\u00e0y.<\/p>\n\n\n\n

    – Y\u00eau c\u1ea7u ng\u00e0y ngh\u1ec9 c\u00f3 l\u01b0\u01a1ng \u0111\u01b0\u1ee3c t\u00ednh full year ho\u1eb7c probate (t\u00ednh t\u1ef7 l\u1ec7) t\u1eeb th\u1eddi gian k\u00fd h\u1ee3p \u0111\u1ed3ng thay v\u00ec t\u00ednh b\u1eaft \u0111\u1ea7u sau th\u1eddi gian probate. Ph\u1ea7n l\u1edbn c\u00e1c c\u00f4ng ty s\u1ebd probate s\u1ed1 ng\u00e0y ngh\u1ec9 c\u00f3 l\u01b0\u01a1ng theo th\u1eddi gian b\u1ea1n b\u1eaft \u0111\u1ea7u l\u00e0m vi\u1ec7c. V\u00ed d\u1ee5 1 n\u0103m b\u1ea1n c\u00f3 12 ng\u00e0y ngh\u1ec9 tr\u1ea3 l\u01b0\u01a1ng, b\u1ea1n b\u1eaft \u0111\u1ea7u l\u00e0m t\u1eeb th\u00e1ng 9, th\u00ec n\u0103m \u0111\u00f3 b\u1ea1n s\u1ebd ch\u1ec9 \u0111\u01b0\u1ee3c 3 ng\u00e0y ngh\u1ec9 c\u00f3 l\u01b0\u01a1ng th\u00f4i.<\/p>\n\n\n\n

    Th\u00f4i \u0111o\u1ea1n deal n\u00e0y n\u00f3i ng\u1eafn th\u00f4i k\u1ebbo l\u1ea1c \u0111\u1ec1 tr\u00f4i xa qu\u00e1.<\/p>\n\n\n\n

    2. Hi\u1ec3u chi ti\u1ebft v\u1ec1 c\u00e1c ph\u00fac l\u1ee3i li\u00ean quan t\u1edbi s\u1ee9c kh\u1ecfe.<\/strong><\/h2>\n\n\n\n

    2.1. B\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe<\/strong><\/h2>\n\n\n\n

    Tr\u01b0\u1edbc ti\u00ean, m\u00ecnh s\u1ebd n\u00f3i s\u01a1 nh\u1eefng kh\u00e1i ni\u1ec7m c\u0103n b\u1ea3n nh\u1ea5t m\u00e0 ai c\u0169ng c\u1ea7n hi\u1ec3u:<\/p>\n\n\n\n

      \n
    • Deductible: <\/strong>\u0110\u00e2y l\u00e0 ph\u1ea7n ti\u1ec1n b\u1ea1n s\u1ebd b\u1ecf t\u1eeb t\u00fai m\u00ecnh ra tr\u01b0\u1edbc khi b\u00ean c\u00f4ng ty b\u1ea3o hi\u1ec3m tr\u1ea3. Th\u00f4ng th\u01b0\u1eddng kho\u1ea3n deductible n\u00e0y \u0111\u01b0\u1ee3c t\u00ednh tr\u00ean 1 n\u0103m. Tuy nhi\u00ean n\u00f3 c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng tr\u00ean m\u1ed7i ng\u01b0\u1eddi ho\u1eb7c to\u00e0n b\u1ed9 gia \u0111\u00ecnh.<\/li>\n<\/ul>\n\n\n\n

      V\u00ed d\u1ee5, ti\u1ec1n deductible trong g\u00f3i b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n v\u1edbi kho\u1ea3n thu\u1ed1c k\u00ea \u0111\u01a1n (prescription drugs) l\u00e0 $100\/ng\u01b0\u1eddi\/n\u0103m; v\u00e0 c\u00f4ng ty tr\u1ea3 80% ph\u00ed. Trong n\u0103m \u0111\u00f3, gia \u0111\u00ecnh b\u1ea1n tr\u1ea3 $500 cho thu\u1ed1c c\u1ee7a ba, $200 cho thu\u1ed1c c\u1ee7a con. Th\u00ec b\u1ea1n s\u1ebd b\u1ecf t\u00fai tr\u1ea3 $100+ 20% c\u1ee7a $400 cho ba -> t\u1ed5ng l\u00e0 $180. T\u01b0\u01a1ng t\u1ef1 c\u1ee7a con b\u1ea1n s\u1ebd b\u1ecf ti\u1ec1n t\u00fai ra l\u00e0 $120.<\/p>\n\n\n\n

        \n
      • Reimbursement levels:<\/strong> \u0111\u00e2y l\u00e0 m\u1ee9c t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m m\u00e0 ph\u00eda c\u00f4ng ty s\u1ebd tr\u1ea3 sau khi \u0111\u00e3 tr\u1eeb m\u1ee9c deductible. M\u1ee9c n\u00e0y th\u01b0\u1eddng dao \u0111\u1ed9ng t\u1eeb 80% t\u1edbi 100%. Nh\u01b0 m\u00ecnh \u0111\u00e3 v\u00ed d\u1ee5 \u1edf tr\u00ean v\u1ec1 t\u1ef7 l\u1ec7 80%, c\u00e1c b\u1ea1n c\u00f3 th\u1ec3 xem l\u1ea1i. Th\u00f4ng th\u01b0\u1eddng nh\u1eefng c\u00f4ng ty c\u00f3 m\u1ee9c reimbursement level cao th\u00ec s\u1ebd c\u00f3 m\u1ee9c deductible th\u1ea5p (ho\u1eb7c kh\u00f4ng c\u00f3 deductible) v\u00e0 ng\u01b0\u1ee3c l\u1ea1i.<\/li>\n<\/ul>\n\n\n\n

        2.2.<\/strong> B\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe c\u1ee7a c\u00f4ng ty th\u01b0\u1eddng cover nh\u1eefng g\u00ec?<\/strong><\/h2>\n\n\n\n

        Nh\u1eefng c\u00e1i c\u0103n b\u1ea3n nh\u1ea5t c\u00e1c b\u1ea1n th\u01b0\u1eddng s\u1ebd \u0111\u01b0\u1ee3c cover l\u00e0:<\/p>\n\n\n\n

          \n
        • Chi ph\u00ed n\u1eb1m vi\u1ec7n:<\/em><\/strong> Th\u00f4ng th\u01b0\u1eddng BH t\u1ec9nh bang s\u1ebd ch\u1ec9 cover cho ph\u00f2ng ti\u00eau chu\u1ea9n (standard ward), t\u1ee9c ph\u00f2ng n\u1eb1m 4-6 gi\u01b0\u1eddng. Trong khi n\u1ebfu c\u00f3 BH c\u1ee7a c\u00f4ng ty, b\u1ea1n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ch\u1ecdn ph\u00f2ng semi-private (2 gi\u01b0\u1eddng\/ph\u00f2ng) ho\u1eb7c private (1 m\u00ecnh 1 c\u00f5i).<\/li>\n\n\n\n
        • Xe c\u1ea5p c\u1ee9u (Ambulance)<\/em><\/strong>: do th\u00f4ng th\u01b0\u1eddng BH t\u1ec9nh bang s\u1ebd kh\u00f4ng cover cho ambulance, n\u00ean BH c\u00f4ng ty th\u01b0\u1eddng s\u1ebd cover 100%. K\u1ec3 chuy\u1ec7n vui, m\u00ecnh nh\u1edb c\u00f3 l\u1ea7n anh nh\u00e0 m\u00ecnh nh\u1eadu x\u1ec9n qu\u00e1 m\u00ecnh kh\u00f4ng l\u00f4i \u1ea3nh l\u00ean xe n\u1ed5i, m\u00ecnh \u0111\u00e0nh g\u1ecdi ambulance t\u1edbi v\u00e1c \u0111i, cho \u1ea3nh n\u1eb1m \u1edf b\u1ec7nh vi\u1ec7n 1 \u0111\u00eam. B\u1ea3o hi\u1ec3m c\u00f4ng ty tr\u1ea3 h\u1ebft =)) B\u1ea1n \u0111\u1eebng ngh\u0129 l\u00e0 vi\u1ec7c n\u00e0y kh\u00f4ng c\u1ea7n thi\u1ebft nh\u00e9. Khi m\u00ecnh g\u1ecdi ambulance t\u1edbi, h\u1ecd khuy\u00ean l\u00e0 v\u1edbi nh\u1eefng ng\u01b0\u1eddi \u0111ang b\u1ecb alcohol intoxication (b\u1ecb say r\u01b0\u1ee3u n\u1eb7ng) m\u00e0 b\u1ea1n kh\u00f4ng \u0111\u1ee7 s\u1ee9c \u0111\u1ec3 x\u1eed l\u00fd s\u1ebd c\u00f3 th\u1ec3 nguy hi\u1ec3m, n\u1ebfu ng\u01b0\u1eddi \u0111\u00f3 b\u1ecb \u00f3i khi \u0111ang n\u1eb1m c\u00f3 th\u1ec3 d\u1eabn t\u1edbi b\u1ecb ngh\u1eb9n v\u00e0 g\u00e2y t\u1eed vong. Ch\u1ebft! L\u1ea1i l\u1ea1c \u0111\u1ec1 r\u1ed3i.<\/li>\n\n\n\n
        • Chi ph\u00ed y t\u00e1 (nursing)<\/em><\/strong><\/li>\n\n\n\n
        • Kh\u00e1m ch\u1eefa r\u0103ng (dental)<\/em><\/strong><\/li>\n\n\n\n
        • Kh\u00e1m ch\u1eefa m\u1eaft (vision):<\/em><\/strong> th\u01b0\u1eddng s\u1ebd cover c\u1ea3 k\u00ednh c\u1eadn<\/li>\n\n\n\n
        • D\u1ecbch v\u1ee5 y t\u1ebf (paramedical):<\/em><\/strong> ch\u1eb3ng h\u1ea1n nh\u01b0 tr\u1ecb li\u1ec7u v\u1eadt l\u00fd (Physiotherapist), speech therapist (tr\u1ecb li\u1ec7u ng\u00f4n ng\u1eef), Podiatrist\/Chiropodist (tr\u1ecb li\u1ec7u v\u1ec1 ch\u00e2n), massage therapist, Acupuncturist (ch\u00e2m c\u1ee9u), Nutritionist (dinh d\u01b0\u1ee1ng)\u2026 H\u00e3y d\u00e0nh th\u1eddi gian \u0111\u1ecdc k\u1ef9 nh\u1eefng c\u00e1i n\u00e0y, v\u00ec c\u00f3 r\u1ea5t nhi\u1ec1u th\u1ee9 c\u00e1c b\u1ea1n c\u00f3 th\u1ec3 t\u1eadn d\u1ee5ng m\u00e0 kh\u00f4ng h\u1ec1 \u0111\u1ec3 \u00fd. V\u00ed d\u1ee5 nh\u01b0 ng\u00e0y x\u01b0a m\u00ecnh l\u00e0m \u1edf trong nh\u00e0 h\u01b0u d\u01b0\u1ee1ng, t\u00ednh ch\u1ea5t c\u00f4ng vi\u1ec7c ph\u1ea3i \u0111\u1ee9ng l\u00e2u n\u00ean th\u01b0\u1eddng xuy\u00ean b\u1ecb \u0111au ch\u00e2n, sau m\u1ed9t th\u1eddi gian m\u00ecnh m\u1edbi bi\u1ebft l\u00e0 c\u00f3 th\u1ec3 \u0111\u1ebfn kh\u00e1m t\u1ea1i Podiatrist v\u00e0 \u0111\u1eb7t mua t\u1ea5m l\u00f3t\/ gi\u00e0y chuy\u00ean d\u1ee5ng ch\u1ed1ng \u0111au m\u1ecfi ch\u00e2n v\u00e0 \u0111\u01b0\u1ee3c cover 1 ph\u1ea7n. Ho\u1eb7c nh\u1eefng c\u00e1i c\u00f3 th\u1ec3 c\u00e1c b\u1ea1n c\u1ea7n nh\u01b0ng kh\u00f4ng bi\u1ebft l\u00e0 m\u00ecnh c\u00f3 th\u1ec3 t\u1eadn d\u1ee5ng nh\u01b0 tr\u1ecb li\u1ec7u ng\u00f4n ng\u1eef cho con m\u00ecnh khi ch\u1eadm n\u00f3i (tr\u1ebb em Vi\u1ec7t sinh ra b\u00ean n\u00e0y kh\u00e1 nhi\u1ec1u em b\u1ecb ch\u1eadm n\u00f3i), hay ch\u00e2m c\u1ee9u khi c\u01a1 th\u1ec3 \u0111au nh\u1ee9c.v.v\u2026<\/li>\n\n\n\n
        • Chi ph\u00ed y t\u1ebf khi \u0111i du l\u1ecbch (b\u1ea3o hi\u1ec3m du l\u1ecbch):<\/em><\/strong> tr\u01b0\u1edbc khi mua b\u1ea3o hi\u1ec3m du l\u1ecbch c\u00e1 nh\u00e2n, c\u00e1c b\u1ea1n c\u00f3 th\u1ec3 xem th\u1eed g\u00f3i b\u1ea3o hi\u1ec3m du l\u1ecbch c\u1ee7a c\u00f4ng ty \u0111\u1ec3 c\u00e2n nh\u1eafc xem c\u00f3 c\u1ea7n thi\u1ebft mua hay kh\u00f4ng. M\u00ecnh v\u00ed d\u1ee5 g\u00f3i BH du l\u1ecbch t\u1ea1i n\u01b0\u1edbc ngo\u00e0i c\u1ee7a cty anh ch\u1ed3ng m\u00ecnh r\u1ea5t \u201cc\u00f9i\u201d, ch\u1ec9 tr\u1ea3 50% v\u1edbi m\u1ee9c BH t\u1ed1i \u0111a l\u00e0 $3000 t\u00ednh cho t\u1ed5ng 3 n\u0103m. Ki\u1ec3u \u1ea5y th\u00ec b\u1ea3o hi\u1ec3m cho vui ch\u1ee9 \u0111\u01b0\u1ee3c nhi\u00eau \u0111\u00e2u :-<<\/li>\n\n\n\n
        • M\u1ed9t s\u1ed1 chi ph\u00ed y t\u1ebf kh\u00e1c<\/em><\/strong> m\u00e0 c\u00e1c b\u1ea1n c\u00f3 th\u1ec3 s\u1ebd c\u1ea7n nh\u01b0ng kh\u00f4ng nh\u1eadn th\u1ee9c m\u00ecnh \u0111ang \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m nh\u01b0: Fertility drugs (thu\u1ed1c \u0111i\u1ec1u tr\u1ecb v\u00f4 sinh\/ k\u00edch th\u00edch sinh s\u1ea3n), thu\u1ed1c h\u1ed7 tr\u1ee3 b\u1ecf thu\u1ed1c l\u00e1 (Anti-smoking drugs\/cessation program), \u0111i\u1ec1u tr\u1ecb m\u1ecdc t\u00f3c (Hair prosthesis), m\u00e1y tr\u1ee3 th\u00ednh.v.v..<\/li>\n<\/ul>\n\n\n\n

          T\u00f3m l\u1ea1i l\u00e0 b\u1ea1n n\u00ean d\u00e0nh th\u1eddi gian \u0111\u1ecdc k\u1ef9 t\u1eebng c\u00e1i. V\u00ec m\u1ed7i l\u1ea7n \u0111\u1ed5i c\u00f4ng ty c\u00e1c b\u1ea1n ch\u1ec9 \u0111\u1ecdc 1 l\u1ea7n l\u00fac m\u1edbi v\u00e0o c\u00f4ng ty th\u00f4i, n\u00ean \u0111\u1eebng ti\u1ebfc th\u1eddi gian ng\u1ed3i \u0111\u1ecdc.<\/p>\n\n\n\n

          2.3.<\/strong> Nh\u1eefng m\u1ee5c th\u00f4ng d\u1ee5ng kh\u00e1c b\u00ean c\u1ea1nh b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe<\/strong><\/h2>\n\n\n\n

          a.<\/strong> B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, tai n\u1ea1n, th\u01b0\u01a1ng t\u1eadt<\/strong><\/h3>\n\n\n\n

          Vi\u1ec7c n\u1eafm r\u00f5 nh\u1eefng kho\u1ea3n b\u1ea3o hi\u1ec3m n\u00e0y r\u1ea5t quan tr\u1ecdng. Khi l\u00e0m \u0111\u00e1nh gi\u00e1 t\u00e0i ch\u00ednh cho kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh \u0111\u1ec3 mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u00e1 nh\u00e2n, l\u00fac n\u00e0o m\u00ecnh c\u0169ng h\u1ecfi v\u1ec1 c\u00e1c kho\u1ea3n n\u00e0y. Ph\u1ea7n l\u1edbn c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd trong c\u00f4ng ty s\u1ebd cover 1-2 n\u0103m l\u01b0\u01a1ng c\u1ee7a ng\u01b0\u1eddi lao \u0111\u1ed9ng. V\u00e0 d\u0129 nhi\u00ean con s\u1ed1 n\u00e0y th\u01b0\u1eddng kh\u00f4ng \u0111\u1ee7 v\u1edbi nhu c\u1ea7u c\u1ee7a m\u1ed9t c\u00e1 nh\u00e2n hay gia \u0111\u00ecnh. V\u00ec kh\u00f4ng mu\u1ed1n b\u00e0i vi\u1ebft n\u00e0y d\u00e0i qu\u00e1 n\u00ean m\u00ecnh s\u1ebd ch\u1ec9 t\u00f3m t\u1eaft 1 v\u00e0i \u0111i\u1ec3m quan tr\u1ecdng c\u00e1c b\u1ea1n c\u1ea7n bi\u1ebft:<\/p>\n\n\n\n

          – B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd\/tai n\u1ea1n\/ th\u01b0\u01a1ng t\u1eadt s\u1ebd k\u1ebft th\u00fac khi c\u00e1c b\u1ea1n k\u1ebft th\u00fac h\u1ee3p \u0111\u1ed3ng v\u1edbi c\u00f4ng ty. V\u1eady n\u00ean r\u1ee7i ro x\u1ea3y ra n\u1ebfu c\u00e1c b\u1ea1n d\u1ef1a ho\u00e0n to\u00e0n v\u00e0o b\u1ea3o hi\u1ec3m c\u1ee7a c\u00f4ng ty m\u00e0 kh\u00f4ng mua BH nh\u00e2n th\u1ecd ri\u00eang c\u00f3 th\u1ec3 l\u00e0: khi c\u00e1c b\u1ea1n ngh\u1ec9 l\u00e0m, t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe c\u1ee7a b\u1ea1n kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 mua BH c\u00e1 nh\u00e2n (v\u00ed d\u1ee5 nh\u01b0 ph\u00e1t hi\u1ec7n b\u1ec7nh ung th\u01b0), nh\u01b0 v\u1eady l\u00e0 b\u1ea1n m\u1ea5t kh\u1ea3 n\u0103ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n

          – C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u1eddng lu\u00f4n cho c\u00e1c b\u1ea1n option gi\u1eef l\u1ea1i g\u00f3i b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd\/tai n\u1ea1n\/th\u01b0\u01a1ng t\u1eadt c\u1ee7a c\u00f4ng ty b\u1eb1ng c\u00e1ch t\u1ef1 \u0111\u00f3ng ti\u1ebfp ti\u1ec1n ph\u00ed b\u1ea3o hi\u1ec3m. Tuy nhi\u00ean, c\u00e1c b\u1ea1n c\u1ea7n nh\u1eadn th\u1ee9c l\u00e0 khi l\u1ef1a ch\u1ecdn extend, ho\u1eb7c l\u00e0 b\u00ean c\u00f4ng ty s\u1ebd y\u00eau c\u1ea7u b\u1ea1n cung c\u1ea5p th\u00f4ng tin insurability (\u0111\u1ea1i lo\u1ea1i l\u00e0 hi\u1ec7n tr\u1ea1ng s\u1ee9c kh\u1ecfe) ho\u1eb7c l\u00e0 s\u1ebd t\u00ednh m\u1eb7c \u0111\u1ecbnh theo gi\u00e1 c\u1ee7a smoker (ng\u01b0\u1eddi h\u00fat thu\u1ed1c) n\u1ebfu kh\u00f4ng cung c\u1ea5p ch\u1ee9ng minh s\u1ee9c kh\u1ecfe.<\/p>\n\n\n\n

          – C\u00e1i l\u1ee3i c\u1ee7a BH nh\u00f3m l\u00e0 n\u1ebfu c\u00e1c b\u1ea1n quy\u1ebft \u0111\u1ecbnh mua th\u00eam (cao h\u01a1n g\u00f3i chu\u1ea9n c\u1ee7a c\u00f4ng ty), th\u00ec ph\u00ed s\u1ebd r\u1ebb h\u01a1n l\u00e0 mua m\u1ed9t g\u00f3i c\u00e1 nh\u00e2n. Th\u00f4ng th\u01b0\u1eddng b\u1ea1n n\u00ean ch\u1ecdn option n\u00e0y khi b\u1ea1n ho\u1eb7c ng\u01b0\u1eddi trong nh\u00e0 \u0111ang \u1edf t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe kh\u00f4ng th\u1ec3 mua BH c\u00e1 nh\u00e2n.<\/p>\n\n\n\n

          b.<\/strong> Taxable Spending Account (Wellness account)<\/strong><\/h3>\n\n\n\n

          \u0110\u00e2y m\u1ed9t lo\u1ea1i ph\u00fac l\u1ee3i nh\u1eb1m h\u1ed7 tr\u1ee3 nh\u00e2n vi\u00ean chi tr\u1ea3 cho c\u00e1c kho\u1ea3n li\u00ean quan \u0111\u1ebfn s\u1ee9c kh\u1ecfe v\u00e0 l\u1ed1i s\u1ed1ng. C\u00e1c kho\u1ea3n chi ti\u00eau t\u1eeb t\u00e0i kho\u1ea3n n\u00e0y c\u00f3 th\u1ec3 bao g\u1ed3m:<\/p>\n\n\n\n

            \n
          • Th\u1ebb th\u00e0nh vi\u00ean ph\u00f2ng gym, yoga, ho\u1eb7c c\u00e1c l\u1edbp h\u1ecdc th\u1ec3 d\u1ee5c (h\u1ecdc nh\u1ea3y, h\u1ecdc b\u01a1i\u2026)<\/li>\n\n\n\n
          • Thi\u1ebft b\u1ecb h\u1ed7 tr\u1ee3 s\u1ee9c kh\u1ecfe (v\u00ed d\u1ee5: \u0111\u1ed3ng h\u1ed3 th\u00f4ng minh, d\u1ee5ng c\u1ee5 t\u1eadp luy\u1ec7n).<\/li>\n\n\n\n
          • Ch\u01b0\u01a1ng tr\u00ecnh t\u01b0 v\u1ea5n ho\u1eb7c \u0111\u00e0o t\u1ea1o v\u1ec1 t\u00e0i ch\u00ednh, s\u1ee9c kh\u1ecfe tinh th\u1ea7n.<\/li>\n\n\n\n
          • Ho\u1ea1t \u0111\u1ed9ng gi\u1ea3i tr\u00ed, ph\u00e1t tri\u1ec3n c\u00e1 nh\u00e2n (nh\u01b0 \u0111\u0103ng k\u00fd kh\u00f3a h\u1ecdc, ho\u1ea1t \u0111\u1ed9ng th\u1ec3 thao)..<\/li>\n<\/ul>\n\n\n\n

            V\u00ec \u0111\u00e2y l\u00e0 taxable account n\u00ean khi c\u00f4ng ty chi tr\u1ea3 cho c\u00e1c b\u1ea1n kho\u1ea3n n\u00e0y th\u00ec n\u00f3 s\u1ebd \u0111\u01b0\u1ee3c xem nh\u01b0 l\u00e0 thu nh\u1eadp ch\u1ecbu thu\u1ebf n\u0103m \u0111\u00f3 c\u1ee7a b\u1ea1n. V\u00e0 c\u00e1c b\u1ea1n l\u01b0u \u00fd Taxable Spending Account n\u00e0y th\u01b0\u1eddng s\u1ebd b\u1ecb reset m\u1ed7i n\u0103m. T\u1ee9c l\u00e0 n\u1ebfu n\u0103m nay b\u1ea1n kh\u00f4ng x\u00e0i s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c c\u1ed9ng d\u1ed3n cho n\u0103m sau.<\/strong><\/p>\n\n\n\n

            V\u00e0 n\u00ean nh\u1edb l\u00e0 c\u00e1i n\u00e0y c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng cho c\u1ea3 gia \u0111\u00ecnh nh\u00e9. V\u00ed d\u1ee5 nh\u01b0 n\u0103m nay m\u00ecnh \u0111\u00e3 claim ti\u1ec1n h\u1ecdc nh\u1ea3y c\u1ee7a con b\u00e9 nh\u00e0 m\u00ecnh v\u00f4 m\u1ee5c n\u00e0y.<\/p>\n\n\n\n

            c.<\/strong> Health Care Spending Account (non-taxable)<\/strong><\/h3>\n\n\n\n

            \u0110\u00e2y l\u00e0 m\u1ed9t lo\u1ea1i t\u00e0i kho\u1ea3n chi tr\u1ea3 c\u00e1c kho\u1ea3n chi ph\u00ed ch\u0103m s\u00f3c s\u1ee9c kh\u1ecfe m\u00e0 b\u1ea3o hi\u1ec3m t\u1ec9nh bang ho\u1eb7c b\u1ea3o hi\u1ec3m c\u00f4ng ty kh\u00f4ng cover. Hay n\u00f3i c\u00e1ch kh\u00e1c l\u00e0 c\u00f4ng ty h\u1ed7 tr\u1ee3 cho b\u1ea1n 1 ph\u1ea7n m\u00e0 b\u1ea1n ph\u1ea3i b\u1ecf ti\u1ec1n t\u00fai ra. V\u00ed d\u1ee5 c\u00f4ng ty cho $250\/n\u0103m ch\u1eb3ng h\u1ea1n, th\u00ec trong v\u00ed d\u1ee5 \u1edf m\u1ee5c 2.1. \u1edf tr\u00ean, anh b\u1ea1n n\u00e0y c\u00f3 th\u1ec3 xin c\u00f4ng ty tr\u1ea3 l\u1ea1i $250 tr\u00ean t\u1ed5ng $300 m\u00e0 anh n\u00e0y ph\u1ea3i tr\u1ea3. Kh\u00e1c v\u1edbi t\u00e0i kho\u1ea3n taxable \u1edf tr\u00ean, t\u00e0i kho\u1ea3n n\u00e0y th\u01b0\u1eddng s\u1ebd \u0111\u01b0\u1ee3c carry forward (c\u1ed9ng d\u1ed3ng) cho n\u0103m sau n\u1ebfu b\u1ea1n ch\u01b0a x\u00e0i. Nh\u01b0ng b\u1ea1n c\u1ea7n l\u01b0u \u00fd th\u1eddi gian cho ph\u00e9p \u0111\u01b0\u1ee3c c\u1ed9ng d\u1ed3n n\u00e0y \u0111\u1ec3 s\u1eed d\u1ee5ng tr\u01b0\u1edbc khi h\u1ebft h\u1ea1n<\/strong>. C\u00e1ch t\u1ed1t nh\u1ea5t v\u1eabn l\u00e0 n\u0103m n\u00e0o x\u00e0i h\u1ebft n\u0103m \u0111\u00f3 cho kh\u1ecfe.<\/p>\n\n\n\n

            Ban \u0111\u1ea7u m\u00ecnh t\u00ednh vi\u1ebft lu\u00f4n v\u1ec1 ph\u00fac l\u1ee3i RRSP matching n\u1eefa. M\u00e0 m\u00ecnh th\u1ea5y b\u00e0i vi\u1ebft d\u00e0i qu\u00e1 r\u1ed3i n\u00ean th\u00f4i m\u00ecnh ngh\u1ec9 th\u1edf \u1edf \u0111\u00e2y nhe :-< C\u00e1i \u0111\u00f3 c\u0169ng \u0111\u01a1n gi\u1ea3n n\u00ean ch\u1eafc m\u1ecdi ng\u01b0\u1eddi t\u1ef1 google \u0111\u01b0\u1ee3c.<\/p>\n\n\n\n

            Ch\u00fac c\u00e1c b\u1ea1n k\u1ebft th\u00fac n\u0103m th\u1eadt vui! Tranh th\u1ee7 t\u1eadn d\u1ee5ng g\u00ec \u0111\u01b0\u1ee3c t\u1eeb b\u1ea3o hi\u1ec3m c\u00f4ng ty th\u00ec t\u1eadn d\u1ee5ng h\u1ebft tr\u01b0\u1edbc khi h\u1ebft n\u0103m nhe! #SharingFromSarah #EmployerBenefits #GroupInsurance #101insurance<\/p>\n","protected":false},"excerpt":{"rendered":"

            R\u1ea5t nhi\u1ec1u b\u1ea1n \u0111i l\u00e0m c\u00f4ng ty \u0111\u01b0\u1ee3c h\u01b0\u1edfng benefits nh\u01b0ng ch\u01b0a hi\u1ec3u h\u1ebft v\u00e0 t\u1eadn d\u1ee5ng h\u1ebft \u0111\u01b0\u1ee3c c\u00e1c g\u00f3i benefits n\u00e0y, n\u00ean m\u00ecnh ngh\u0129 r\u1ea5t c\u1ea7n thi\u1ebft \u0111\u1ec3 vi\u1ebft 1 b\u00e0i chi ti\u1ebft v\u1ec1 ch\u1ee7 \u0111\u1ec1 n\u00e0y.<\/p>\n","protected":false},"author":2,"featured_media":3245,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","footnotes":""},"categories":[14],"tags":[],"class_list":["post-3307","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized-vi"],"_links":{"self":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/3307","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/comments?post=3307"}],"version-history":[{"count":2,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/3307\/revisions"}],"predecessor-version":[{"id":3436,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/3307\/revisions\/3436"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/media\/3245"}],"wp:attachment":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/media?parent=3307"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/categories?post=3307"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/tags?post=3307"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}