Heilsutryggingar \u00ed Bandar\u00edkjunum eru klikk!!<\/strong> Nema hva\u00f0 a\u00f0 n\u00fana n\u00fdlega var okkur sagt a\u00f0 trygginarnar v\u00e6ru b\u00fanar a\u00f0 borga $4500 dollara fyrir okkar h\u00f6nd, sem er eitthvert h\u00e1mark. \u00c1st\u00e6\u00f0an fyrir \u00feessu er held \u00e9g a\u00f0 Anna S\u00f3lr\u00fan var endalaust me\u00f0 eyrnab\u00f3lgu \u00ed vor og svo f\u00f3r Finnur til sj\u00fakra\u00fej\u00e1lfara sem kosta\u00f0i sitt. Vi\u00f0 kinnku\u00f0um kolli vi\u00f0 \u00feessum fr\u00e9ttum en p\u00e6ldum ekkert miki\u00f0 meira \u00ed \u00feeim \u00fear til a\u00f0 vi\u00f0 f\u00f3rum a\u00f0 k\u00edkja \u00e1 einn \u00fatistandandi reikning.<\/p>\n Kemur \u00fe\u00e1 eftirfarandi \u00ed lj\u00f3s: Tryggingarnar \u00feeirra (sem kosta um $200 \u00e1 m\u00e1nu\u00f0i) borga 90% af reikningnum og vi\u00f0 10% \u00fear til a\u00f0 tryggingarnar eru b\u00fanar a\u00f0 borga $4500. Ef \u00e9g kann enn\u00fe\u00e1 pr\u00f3sentureikning (Heild = Hluti\/% e\u00f0a $4500\/0.9 = $5000) \u00fe\u00e1 \u00fe\u00fd\u00f0ir \u00feetta a\u00f0 \u00e1 sama t\u00edma \u00fe\u00e1 erum vi\u00f0 b\u00fain a\u00f0 borga $500. Reyndar gefa \u00feeir manni sm\u00e1 breik og segja a\u00f0 ma\u00f0ur eigi bara a\u00f0 borga $450 og \u00fe\u00e1 s\u00e9u allir s\u00e1ttir (vei, $50 dollara “afsl\u00e1ttur”!), nema hva\u00f0 a\u00f0 \u00feessi 10% eiga bara vi\u00f0 um veitta \u00fej\u00f3nustu, e\u00f0a ranns\u00f3knir.<\/p>\n Fyrir utan \u00feessi 10% \u00fe\u00e1 borgum vi\u00f0 nefnilega $10 fyrir hverja l\u00e6knisheims\u00f3kn (komugj\u00f6ld), og $10-$25 fyrir lyfse\u00f0ilsskyld lyf sem teljast ekki<\/em> til \u00feessara $450 dollara, sem \u00fe\u00fd\u00f0ir a\u00f0 \u00fe\u00f3 svo a\u00f0 trygginarf\u00e9lagi\u00f0 telji sig vera b\u00fai\u00f0 a\u00f0 borga $4500 \u00fe\u00e1 er nokku\u00f0 \u00f6ruggt a\u00f0 vi\u00f0 erum b\u00fain a\u00f0 borga talsvert meira en $450, en \u00feeir telja \u00fea\u00f0 ekkert endilega allt me\u00f0.<\/p>\n Nema hva\u00f0, eftir a\u00f0 tryggingarnar eru b\u00fanar a\u00f0 borga $4500, \u00fe\u00e1 gerist nokku\u00f0 \u00e1hugavert. \u00deeir borga n\u00fana bara 80% (og vi\u00f0 \u00fe\u00e1 20%) en \u00ed allra mesta lagi \u00fe\u00e1 eigum vi\u00f0 ekki a\u00f0 borga meira en $4500 \u00ed beinh\u00f6r\u00f0um peningum. (\u00c6tli \u00feeir n\u00e1i n\u00fa ekki a\u00f0 smeygja s\u00e9r \u00fat \u00far svolei\u00f0is holum…?)<\/p>\n Sum s\u00e9, ef allt fer til fjandans og (sem 7, 9, 13 gerist vonandi ekki) \u00fe\u00e1 getur heilsukostna\u00f0ur \u00e1 einu \u00e1ri veri\u00f0 12*$200 + $450 + $4500 = $7350 pl\u00fas komugj\u00f6ld og lyf (og ma\u00f0ur borgar 20% af \u00feeim, en ekki bara $10-$25 eftir “\u00feaki\u00f0”). \u00dea\u00f0 er au\u00f0veldlega h\u00e1lf millj\u00f3n \u00edslenskra kr\u00f3na, og \u00fear af erum vi\u00f0 l\u00edklega n\u00fa \u00feegar b\u00fain a\u00f0 borga um tv\u00f6hundru\u00f0 \u00fe\u00fasund. Og \u00fea\u00f0 er bara fyrir Finn og \u00d6nnu S\u00f3lr\u00fanu.<\/p>\n Anna\u00f0 skemmtilegt sem kemur \u00ed lj\u00f3s: 1) Tryggingarnar borga \u00ed allra allra allra mesta lagi 6 millj\u00f3nir dollara fyrir mann \u00e1 l\u00edfst\u00ed\u00f0inni. 2) Ef ma\u00f0ur asnast inn til l\u00e6knis\/sp\u00edtala sem er ekki \u00ed \u00feessu \u00e1kve\u00f0na tryggingakerfi \u00fe\u00e1 f\u00e6r ma\u00f0ur a\u00f0 borga miklu h\u00e6rri pr\u00f3sentu. 3) Ef ma\u00f0ur passar sig ekki a\u00f0 f\u00e1 leyfi fyrir a\u00f0ger\u00f0um \u00fe\u00e1 borgar ma\u00f0ur helming.<\/p>\n \u00c9g borga s\u00ed\u00f0an um $300 \u00e1 sk\u00f3la\u00f6nn, sem eru $1200 yfir \u00e1ri\u00f0 (um 85 \u00fe\u00fas kr\u00f3nur) fyrir utan komugj\u00f6ld og lyfjagj\u00f6ld. Sem betur fer \u00fearf \u00e9g ekki a\u00f0 standa \u00ed \u00feessum 10% en \u00e1 m\u00f3ti kemur a\u00f0 \u00e9g er algj\u00f6rlega bundin vi\u00f0 Stanford heilsukerfi\u00f0 og sp\u00edtalann nema \u00e9g vilji endilega borga meira.<\/p>\n \u00dea\u00f0 sem gerir mig alveg apandi \u00f3\u00f0a yfir \u00feessu er a\u00f0 rugludallarnir h\u00e9rna \u00fati vilja ekki vi\u00f0urkenna a\u00f0 \u00feetta er bara skattur og ekkert anna\u00f0, nema hva\u00f0 a\u00f0 skatturinn fer ekki til r\u00edkisins, heldur til feitra fyrirt\u00e6kja sem maka heldur betur kr\u00f3kinn \u00e1 sj\u00fakd\u00f3mum annarra. \u00c9g meina, \u00feeir halda \u00e1fram a\u00f0 segja hluti eins og a\u00f0 skattarnir \u00ed Bandar\u00edkjunum s\u00e9u svo miki\u00f0 l\u00e6gri en annars sta\u00f0ar, en \u00feeir taka aldrei me\u00f0 \u00ed reikninginn hva\u00f0 f\u00f3lk f\u00e6r<\/em> fyrir skattana s\u00edna \u00ed \u00f6\u00f0rum l\u00f6ndum! Uuuurgh!!<\/p>\n \u00deess fyrir utan fer alveg gr\u00ed\u00f0arlegur t\u00edmi \u00ed a\u00f0 \u00e1kve\u00f0a hver \u00e1 a\u00f0 borga hva\u00f0 og \u00e9g hef tapa\u00f0 heilum vinnud\u00f6gum \u00ed \u00fea\u00f0 a\u00f0 reyna a\u00f0 grei\u00f0a \u00far papp\u00edrsfl\u00e6kjum…<\/p>\n Ef einhverjum dettur \u00ed hug a\u00f0 taka upp \u00e1 “pers\u00f3nulegri” heilsutryggingu \u00e1 \u00cdslandi, boy oh boy oh boy oh boy, myndi \u00e9g flippa yfir!!<\/p>\n","protected":false},"excerpt":{"rendered":" F\u00f6studagur 20. okt\u00f3ber 2006 Heilsutryggingar \u00ed Bandar\u00edkjunum eru klikk!!Eins og svo margir \u00ed \u00feessu undarlega landi, \u00fe\u00e1 er Finnur heilsutrygg\u00f0ur \u00ed gegnum vinnuna s\u00edna og Anna S\u00f3lr\u00fan er trygg\u00f0 \u00fear l\u00edka. \u00c9g kaupi heilsutryggingu af Stanford \u00fev\u00ed einhvern t\u00edmann \u00e1kv\u00e1\u00f0um vi\u00f0 a\u00f0 \u00fea\u00f0 k\u00e6mi betur \u00fat. Reyndar held \u00e9g a\u00f0 vi\u00f0 g\u00e6tum \u00f6ll sleppt \u00fev\u00edRead more<\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-749","post","type-post","status-publish","format-standard","hentry","category-uncategorized","post-container col-md-12"],"_links":{"self":[{"href":"https:\/\/hrefna.com\/blog\/wp-json\/wp\/v2\/posts\/749","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hrefna.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hrefna.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hrefna.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/hrefna.com\/blog\/wp-json\/wp\/v2\/comments?post=749"}],"version-history":[{"count":0,"href":"https:\/\/hrefna.com\/blog\/wp-json\/wp\/v2\/posts\/749\/revisions"}],"wp:attachment":[{"href":"https:\/\/hrefna.com\/blog\/wp-json\/wp\/v2\/media?parent=749"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hrefna.com\/blog\/wp-json\/wp\/v2\/categories?post=749"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hrefna.com\/blog\/wp-json\/wp\/v2\/tags?post=749"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
Eins og svo margir \u00ed \u00feessu undarlega landi, \u00fe\u00e1 er Finnur heilsutrygg\u00f0ur \u00ed gegnum vinnuna s\u00edna og Anna S\u00f3lr\u00fan er trygg\u00f0 \u00fear l\u00edka. \u00c9g kaupi heilsutryggingu af Stanford \u00fev\u00ed einhvern t\u00edmann \u00e1kv\u00e1\u00f0um vi\u00f0 a\u00f0 \u00fea\u00f0 k\u00e6mi betur \u00fat. Reyndar held \u00e9g a\u00f0 vi\u00f0 g\u00e6tum \u00f6ll sleppt \u00fev\u00ed a\u00f0 vera trygg\u00f0 og st\u00f3la\u00f0 \u00e1 Trygginastofnun R\u00edkisins, en \u00fea\u00f0 er n\u00fa \u00feegar \u00f3gurlegt papp\u00edrsfl\u00f3\u00f0 sem fylgir \u00feessu heilsutryggingastandi, svo \u00e9g hef bara ekki lagt \u00ed \u00fea\u00f0 a\u00f0 borga reikningana h\u00e9r og senda svo inn endurgrei\u00f0slubei\u00f0ni heim.<\/p>\n