{"id":3632,"date":"2025-09-02T08:35:00","date_gmt":"2025-09-02T15:35:00","guid":{"rendered":"https:\/\/lawnjh.com\/bao-hiem-y-te-khi-dang-huong-boi-thuong-lao-dong-ai-chiu-trach-nhiem\/"},"modified":"2026-02-03T16:32:17","modified_gmt":"2026-02-04T00:32:17","slug":"bao-hiem-y-te-khi-dang-huong-boi-thuong-lao-dong-ai-chiu-trach-nhiem","status":"publish","type":"post","link":"https:\/\/lawnjh.com\/vi\/bao-hiem-y-te-khi-dang-huong-boi-thuong-lao-dong-ai-chiu-trach-nhiem\/","title":{"rendered":"Ai tr\u1ea3 ti\u1ec1n b\u1ea3o hi\u1ec3m y t\u1ebf khi \u0111ang nh\u1eadn b\u1ed3i th\u01b0\u1eddng lao \u0111\u1ed9ng?"},"content":{"rendered":"\n

N\u1ebfu b\u1ea1n \u0111ang nh\u1eadn b\u1ed3i th\u01b0\u1eddng lao \u0111\u1ed9ng \u1edf California v\u00e0 v\u1eabn \u0111\u01b0\u1ee3c tuy\u1ec3n d\u1ee5ng, ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng c\u1ee7a b\u1ea1n n\u00ean ti\u1ebfp t\u1ee5c tr\u1ea3 ph\u1ea7n ph\u00ed b\u1ea3o hi\u1ec3m y t\u1ebf c\u1ee7a h\u1ecd. Tuy nhi\u00ean, b\u1ea1n v\u1eabn ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m cho ph\u1ea7n chi ph\u00ed c\u1ee7a m\u00ecnh. V\u00ec b\u1ea1n c\u00f3 th\u1ec3 kh\u00f4ng nh\u1eadn \u0111\u01b0\u1ee3c ti\u1ec1n l\u01b0\u01a1ng th\u01b0\u1eddng xuy\u00ean, b\u1ea1n c\u00f3 th\u1ec3 c\u1ea7n ph\u1ea3i tr\u1ea3 ph\u1ea7n c\u1ee7a m\u00ecnh tr\u1ef1c ti\u1ebfp \u0111\u1ec3 duy tr\u00ec b\u1ea3o hi\u1ec3m. N\u1ebfu vi\u1ec7c l\u00e0m c\u1ee7a b\u1ea1n k\u1ebft th\u00fac ho\u1eb7c quy\u1ec1n l\u1ee3i b\u1ecb ch\u1ea5m d\u1ee9t, b\u1ea1n c\u00f3 th\u1ec3 c\u1ea7n t\u00ecm ki\u1ebfm b\u1ea3o hi\u1ec3m ti\u1ebfp t\u1ee5c th\u00f4ng qua COBRA ho\u1eb7c Cal-COBRA. <\/p>\n\n

D\u01b0\u1edbi \u0111\u00e2y l\u00e0 c\u00e1ch b\u1ea3o hi\u1ec3m y t\u1ebf th\u01b0\u1eddng \u0111\u01b0\u1ee3c x\u1eed l\u00fd khi b\u1ea1n ngh\u1ec9 vi\u1ec7c do th\u01b0\u01a1ng t\u00edch li\u00ean quan \u0111\u1ebfn c\u00f4ng vi\u1ec7c.<\/p>\n\n

B\u1ed3i th\u01b0\u1eddng lao \u0111\u1ed9ng ch\u1ec9 bao g\u1ed3m ch\u0103m s\u00f3c y t\u1ebf li\u00ean quan \u0111\u1ebfn th\u01b0\u01a1ng t\u00edch c\u1ee7a b\u1ea1n<\/strong><\/h2>\n\n

B\u1ed3i th\u01b0\u1eddng lao \u0111\u1ed9ng thanh to\u00e1n cho vi\u1ec7c \u0111i\u1ec1u tr\u1ecb y t\u1ebf tr\u1ef1c ti\u1ebfp li\u00ean quan \u0111\u1ebfn th\u01b0\u01a1ng t\u00edch ho\u1eb7c b\u1ec7nh t\u1eadt t\u1ea1i n\u01a1i l\u00e0m vi\u1ec7c c\u1ee7a b\u1ea1n. \u0110i\u1ec1u n\u00e0y bao g\u1ed3m th\u0103m kh\u00e1m b\u00e1c s\u0129, n\u1eb1m vi\u1ec7n, ph\u1eabu thu\u1eadt, thu\u1ed1c men v\u00e0 c\u00e1c ph\u01b0\u01a1ng ph\u00e1p \u0111i\u1ec1u tr\u1ecb \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn kh\u00e1c. N\u00f3 kh\u00f4ng thay th\u1ebf b\u1ea3o hi\u1ec3m y t\u1ebf th\u00f4ng th\u01b0\u1eddng c\u1ee7a b\u1ea1n ho\u1eb7c bao g\u1ed3m ch\u0103m s\u00f3c y t\u1ebf kh\u00f4ng li\u00ean quan. <\/p>\n\n

B\u1ea3o hi\u1ec3m y t\u1ebf c\u1ee7a b\u1ea1n trong khi nh\u1eadn b\u1ed3i th\u01b0\u1eddng lao \u0111\u1ed9ng ph\u1ee5 thu\u1ed9c v\u00e0o t\u00ecnh tr\u1ea1ng vi\u1ec7c l\u00e0m v\u00e0 ch\u00ednh s\u00e1ch quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng.<\/p>\n\n

N\u1ebfu b\u1ea1n v\u1eabn \u0111\u01b0\u1ee3c tuy\u1ec3n d\u1ee5ng<\/strong><\/h2>\n\n

N\u1ebfu b\u1ea1n v\u1eabn \u0111\u01b0\u1ee3c coi l\u00e0 nh\u00e2n vi\u00ean \u0111ang l\u00e0m vi\u1ec7c trong khi ngh\u1ec9 vi\u1ec7c \u0111\u1ec3 nh\u1eadn b\u1ed3i th\u01b0\u1eddng lao \u0111\u1ed9ng, ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng c\u1ee7a b\u1ea1n n\u00ean ti\u1ebfp t\u1ee5c tr\u1ea3 ph\u1ea7n ph\u00ed b\u1ea3o hi\u1ec3m y t\u1ebf c\u1ee7a h\u1ecd. Tuy nhi\u00ean, khi kh\u00f4ng c\u00f3 ti\u1ec1n l\u01b0\u01a1ng th\u01b0\u1eddng xuy\u00ean, ph\u1ea7n \u0111\u00f3ng g\u00f3p c\u1ee7a b\u1ea1n s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c t\u1ef1 \u0111\u1ed9ng kh\u1ea5u tr\u1eeb. B\u1ea1n c\u00f3 tr\u00e1ch nhi\u1ec7m \u0111\u00f3ng g\u00f3p tr\u1ef1c ti\u1ebfp \u0111\u1ec3 gi\u1eef b\u1ea3o hi\u1ec3m c\u1ee7a m\u00ecnh ho\u1ea1t \u0111\u1ed9ng. <\/p>\n\n

B\u1ea1n n\u00ean:<\/p>\n\n

    \n
  • Li\u00ean h\u1ec7 ngay v\u1edbi b\u1ed9 ph\u1eadn nh\u00e2n s\u1ef1 ho\u1eb7c ph\u00fac l\u1ee3i c\u1ee7a b\u1ea1n<\/li>\n\n\n\n
  • X\u00e1c nh\u1eadn li\u1ec7u b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n c\u00f3 ti\u1ebfp t\u1ee5c trong th\u1eddi gian b\u1ea1n v\u1eafng m\u1eb7t kh\u00f4ng<\/li>\n\n\n\n
  • H\u1ecfi c\u00e1ch th\u1ee9c v\u00e0 th\u1eddi \u0111i\u1ec3m thanh to\u00e1n ph\u1ea7n ph\u00ed b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n<\/li>\n<\/ul>\n\n

    Kh\u00f4ng thanh to\u00e1n \u0111\u00fang h\u1ea1n c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn vi\u1ec7c m\u1ea5t b\u1ea3o hi\u1ec3m, ngay c\u1ea3 khi ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng c\u1ee7a b\u1ea1n ti\u1ebfp t\u1ee5c tr\u1ea3 ph\u1ea7n c\u1ee7a h\u1ecd.<\/p>\n\n

    N\u1ebfu vi\u1ec7c l\u00e0m c\u1ee7a b\u1ea1n k\u1ebft th\u00fac<\/strong><\/h2>\n\n

    N\u1ebfu ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng ch\u1ea5m d\u1ee9t vi\u1ec7c l\u00e0m c\u1ee7a b\u1ea1n ho\u1eb7c ng\u1eebng cung c\u1ea5p quy\u1ec1n l\u1ee3i, b\u1ea3o hi\u1ec3m y t\u1ebf nh\u00f3m c\u1ee7a b\u1ea1n th\u01b0\u1eddng s\u1ebd k\u1ebft th\u00fac. Trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, b\u1ea1n c\u00f3 th\u1ec3 c\u00f3 l\u1ef1a ch\u1ecdn ti\u1ebfp t\u1ee5c b\u1ea3o hi\u1ec3m th\u00f4ng qua: <\/p>\n\n

    COBRA<\/strong><\/h3>\n\n
      \n
    • \u00c1p d\u1ee5ng cho ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng c\u00f3 t\u1eeb 20 nh\u00e2n vi\u00ean tr\u1edf l\u00ean<\/li>\n\n\n\n
    • Cho ph\u00e9p ti\u1ebfp t\u1ee5c ch\u01b0\u01a1ng tr\u00ecnh b\u1ea3o hi\u1ec3m y t\u1ebf nh\u00f3m c\u1ee7a b\u1ea1n l\u00ean \u0111\u1ebfn 18 ho\u1eb7c 36 th\u00e1ng<\/li>\n\n\n\n
    • B\u1ea1n ph\u1ea3i tr\u1ea3 to\u00e0n b\u1ed9 ph\u00ed b\u1ea3o hi\u1ec3m (ph\u1ea7n c\u1ee7a b\u1ea1n v\u00e0 ph\u1ea7n c\u1ee7a ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng) c\u1ed9ng v\u1edbi m\u1ed9t kho\u1ea3n ph\u00ed h\u00e0nh ch\u00ednh nh\u1ecf<\/li>\n<\/ul>\n\n

      Cal-COBRA<\/strong><\/h3>\n\n
        \n
      • \u00c1p d\u1ee5ng cho ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng California c\u00f3 t\u1eeb 2 \u0111\u1ebfn 19 nh\u00e2n vi\u00ean<\/li>\n\n\n\n
      • M\u1edf r\u1ed9ng quy\u1ec1n l\u1ee3i t\u01b0\u01a1ng t\u1ef1 COBRA cho ng\u01b0\u1eddi lao \u0111\u1ed9ng trong c\u00e1c c\u00f4ng ty nh\u1ecf h\u01a1n<\/li>\n\n\n\n
      • C\u0169ng y\u00eau c\u1ea7u thanh to\u00e1n to\u00e0n b\u1ed9 ph\u00ed b\u1ea3o hi\u1ec3m<\/li>\n<\/ul>\n\n

        C\u1ea3 COBRA v\u00e0 Cal-COBRA \u0111\u1ec1u c\u00f3 th\u1ec3 t\u1ed1n k\u00e9m, nh\u01b0ng ch\u00fang cho ph\u00e9p b\u1ea1n gi\u1eef c\u00f9ng m\u1ed9t b\u1ea3o hi\u1ec3m trong khi b\u1ea1n ngh\u1ec9 vi\u1ec7c v\u00e0 h\u1ed3i ph\u1ee5c.<\/p>\n\n

        B\u1ed3i th\u01b0\u1eddng lao \u0111\u1ed9ng c\u00f3 th\u1ec3 tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m y t\u1ebf kh\u00f4ng?<\/strong><\/h2>\n\n

        Kh\u00f4ng. B\u1ed3i th\u01b0\u1eddng lao \u0111\u1ed9ng kh\u00f4ng tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m y t\u1ebf c\u1ee7a b\u1ea1n. N\u00f3 ch\u1ec9 bao g\u1ed3m chi ph\u00ed y t\u1ebf li\u00ean quan \u0111\u1ebfn th\u01b0\u01a1ng t\u00edch khi l\u00e0m vi\u1ec7c v\u00e0 cung c\u1ea5p thay th\u1ebf ti\u1ec1n l\u01b0\u01a1ng th\u00f4ng qua c\u00e1c kho\u1ea3n thanh to\u00e1n t\u1ea1m th\u1eddi do m\u1ea5t kh\u1ea3 n\u0103ng lao \u0111\u1ed9ng. C\u00e1c kho\u1ea3n thanh to\u00e1n n\u00e0y th\u01b0\u1eddng l\u00e0 hai ph\u1ea7n ba m\u1ee9c l\u01b0\u01a1ng trung b\u00ecnh h\u00e0ng tu\u1ea7n c\u1ee7a b\u1ea1n, l\u00ean \u0111\u1ebfn m\u1ee9c t\u1ed1i \u0111a c\u1ee7a ti\u1ec3u bang, v\u00e0 c\u00f3 th\u1ec3 kh\u00f4ng \u0111\u1ee7 \u0111\u1ec3 trang tr\u1ea3i to\u00e0n b\u1ed9 chi ph\u00ed sinh ho\u1ea1t c\u1ee7a b\u1ea1n. <\/p>\n\n

        B\u1ea1n c\u00f3 th\u1ec3 ch\u1ecdn s\u1eed d\u1ee5ng c\u00e1c kho\u1ea3n thanh to\u00e1n t\u1ea1m th\u1eddi do m\u1ea5t kh\u1ea3 n\u0103ng lao \u0111\u1ed9ng \u0111\u1ec3 gi\u00fap trang tr\u1ea3i ph\u1ea7n ph\u00ed b\u1ea3o hi\u1ec3m y t\u1ebf c\u1ee7a m\u00ecnh, nh\u01b0ng quy\u1ebft \u0111\u1ecbnh \u0111\u00f3 l\u00e0 t\u00f9y thu\u1ed9c v\u00e0o b\u1ea1n.<\/p>\n\n

        Nh\u1eefng vi\u1ec7c c\u1ea7n l\u00e0m \u0111\u1ec3 b\u1ea3o v\u1ec7 b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n<\/strong><\/h2>\n\n
          \n
        • Th\u00f4ng b\u00e1o cho b\u1ed9 ph\u1eadn nh\u00e2n s\u1ef1 c\u1ee7a b\u1ea1n ngay khi b\u1ea1n ngh\u1ec9 vi\u1ec7c \u0111\u1ec3 nh\u1eadn b\u1ed3i th\u01b0\u1eddng lao \u0111\u1ed9ng<\/li>\n\n\n\n
        • Y\u00eau c\u1ea7u x\u00e1c nh\u1eadn b\u1eb1ng v\u0103n b\u1ea3n v\u1ec1 t\u00ecnh tr\u1ea1ng b\u1ea3o hi\u1ec3m y t\u1ebf c\u1ee7a b\u1ea1n<\/li>\n\n\n\n
        • L\u01b0u gi\u1eef h\u1ed3 s\u01a1 c\u00e1c kho\u1ea3n thanh to\u00e1n ph\u00ed b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n<\/li>\n\n\n\n
        • N\u1ebfu c\u00f4ng vi\u1ec7c c\u1ee7a b\u1ea1n k\u1ebft th\u00fac, h\u00e3y xem x\u00e9t ngay c\u00e1c l\u1ef1a ch\u1ecdn COBRA ho\u1eb7c Cal-COBRA<\/li>\n\n\n\n
        • Theo d\u00f5i s\u00e1t sao c\u00e1c ng\u00e0y \u0111\u1ebfn h\u1ea1n \u0111\u1ec3 tr\u00e1nh m\u1ea5t b\u1ea3o hi\u1ec3m<\/li>\n<\/ul>\n\n

          Tham kh\u1ea3o \u00fd ki\u1ebfn lu\u1eadt s\u01b0 b\u1ed3i th\u01b0\u1eddng lao \u0111\u1ed9ng<\/strong><\/h2>\n\n

          B\u1ed3i th\u01b0\u1eddng lao \u0111\u1ed9ng b\u1ea3o v\u1ec7 quy\u1ec1n \u0111\u01b0\u1ee3c ch\u0103m s\u00f3c y t\u1ebf v\u00e0 thay th\u1ebf ti\u1ec1n l\u01b0\u01a1ng m\u1ed9t ph\u1ea7n c\u1ee7a b\u1ea1n, nh\u01b0ng kh\u00f4ng \u0111\u1ea3m b\u1ea3o ti\u1ebfp t\u1ee5c b\u1ea3o hi\u1ec3m y t\u1ebf. N\u1ebfu ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng c\u1ee7a b\u1ea1n ng\u1eebng quy\u1ec1n l\u1ee3i, ho\u1eb7c b\u1ea1n kh\u00f4ng ch\u1eafc l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 duy tr\u00ec b\u1ea3o hi\u1ec3m trong khi h\u1ed3i ph\u1ee5c, vi\u1ec7c trao \u0111\u1ed5i v\u1edbi lu\u1eadt s\u01b0 c\u00f3 th\u1ec3 gi\u00fap \u00edch. <\/p>\n\n

          T\u1ea1i V\u0103n ph\u00f2ng Lu\u1eadt s\u01b0 Norman J. Homen, ch\u00fang t\u00f4i h\u1ed7 tr\u1ee3 ng\u01b0\u1eddi lao \u0111\u1ed9ng b\u1ecb th\u01b0\u01a1ng tr\u00ean kh\u1eafp California trong vi\u1ec7c \u0111i\u1ec1u h\u01b0\u1edbng h\u1ec7 th\u1ed1ng b\u1ed3i th\u01b0\u1eddng lao \u0111\u1ed9ng v\u00e0 hi\u1ec3u c\u00e1ch n\u00f3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u00e1c quy\u1ec1n l\u1ee3i r\u1ed9ng h\u01a1n c\u1ee7a h\u1ecd. V\u1edbi c\u00e1c v\u0103n ph\u00f2ng t\u1ea1i Garden Grove, El Monte v\u00e0 San Jose, ch\u00fang t\u00f4i lu\u00f4n s\u1eb5n s\u00e0ng gi\u00fap \u0111\u1ee1. <\/p>\n\n

          H\u00e3y g\u1ecdi ngay h\u00f4m nay \u0111\u1ec3 l\u00ean l\u1ecbch t\u01b0 v\u1ea5n mi\u1ec5n ph\u00ed. Ch\u00fang t\u00f4i s\u1ebd d\u00e0nh th\u1eddi gian l\u1eafng nghe v\u00e0 cung c\u1ea5p h\u01b0\u1edbng d\u1eabn d\u1ef1a tr\u00ean t\u00ecnh hu\u1ed1ng c\u1ee5 th\u1ec3 c\u1ee7a b\u1ea1n. <\/p>\n","protected":false},"excerpt":{"rendered":"

          N\u1ebfu b\u1ea1n \u0111ang nh\u1eadn b\u1ed3i th\u01b0\u1eddng lao \u0111\u1ed9ng \u1edf California v\u00e0 v\u1eabn \u0111\u01b0\u1ee3c tuy\u1ec3n d\u1ee5ng, ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng c\u1ee7a b\u1ea1n n\u00ean ti\u1ebfp t\u1ee5c tr\u1ea3 ph\u1ea7n ph\u00ed b\u1ea3o hi\u1ec3m y t\u1ebf c\u1ee7a h\u1ecd. Tuy nhi\u00ean, b\u1ea1n v\u1eabn ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m cho ph\u1ea7n chi ph\u00ed c\u1ee7a m\u00ecnh. V\u00ec b\u1ea1n c\u00f3 th\u1ec3 kh\u00f4ng nh\u1eadn \u0111\u01b0\u1ee3c…<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[74],"tags":[],"class_list":["post-3632","post","type-post","status-publish","format-standard","hentry","category-boi-thuong-cho-nguoi-lao-dong"],"_links":{"self":[{"href":"https:\/\/lawnjh.com\/vi\/wp-json\/wp\/v2\/posts\/3632","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lawnjh.com\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lawnjh.com\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lawnjh.com\/vi\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/lawnjh.com\/vi\/wp-json\/wp\/v2\/comments?post=3632"}],"version-history":[{"count":1,"href":"https:\/\/lawnjh.com\/vi\/wp-json\/wp\/v2\/posts\/3632\/revisions"}],"predecessor-version":[{"id":4699,"href":"https:\/\/lawnjh.com\/vi\/wp-json\/wp\/v2\/posts\/3632\/revisions\/4699"}],"wp:attachment":[{"href":"https:\/\/lawnjh.com\/vi\/wp-json\/wp\/v2\/media?parent=3632"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lawnjh.com\/vi\/wp-json\/wp\/v2\/categories?post=3632"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lawnjh.com\/vi\/wp-json\/wp\/v2\/tags?post=3632"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}