Nkuko imiryango ikiri mito ibizi ikiguzi cyo kubyara umwana byongera ikiguzi cyo kubaho . Biri amahire ko hari gahunda zitandukanye zifasha imiryango kwita ku bana bakivuka ndetse no kuba bakwishyura ayo bisaba mbere cg nyuma gato yo kubyara umwana.

Muri Amerika, iyo ukorera ikigo gifite abakozi 50 cg barenga, nk’umukozi wemerewe hagendeye ku itegeko Family and Medical Leave Act (FMLA) guhabwa ibyumweru 12 bitishyurwa buri mwaka umaze kubyara cg se kuzana umwana urera. Ibyo byumweru biba biryoshye ariko se ni gute wakoreramo amafaranga?

Hari uburyo buke umuntu ashobora kubonamo amafaranga mu gihe ari muri iki kiruhuko. Urugero gukoresha PTO cg se igihe urihwa utari mu kazi ntibisobanuye ko ubikoresha uri mu kiruhuko gisanzwe gusa. Nubwo bisaba kubanza kuvugana nukuyobora ariko igihe wazigamye muri PTO zawe wemerewe kugikoresha nk’ikiruhuko wabyaye. Iminsi wemerewe gusiba warwaye cg se iyo wigengaho nayo wayikoresha ubsihatse. Hari n’ubwizigame ku kuba utakibasha/ubumuga kujya ku kazi nabwo ushobora kubukoresha muri iki gihe cyo kubyara kugeza ku byumweru bi 6 nyuma yo kubyara agahabwa hagati ya 50-100% by’ayo winjizaga. Igihe ibyari ibiruhuko wazigamye bishize umubyeyi ashobora gufata kugeza kuri bya byumweru bye 12 nkuko biteganywa nitegeko rya FMLA.

Muri Maine, abakoresha benshi batanga ubwishingizi burebana no kuriha ikiguzi cyo kubyara umwana ku bakozi. Iyo bitameze gutyo MaineCare ibasha gufasha abujuje ibisabwa runaka kubona ubwo bwishingizi mu kwivuza. Gahunda z’ubwishingizi nka Medicare, Medicaid cg se Children’s Health Insurance Program zibasha kuba zafasha umuntu kubona ubwishingizi mu gihe umukoresha we atamuha ubwo bwishingizi.

Hamwe nizo gahunda zose ziriho, ntibizakuraho ko hazabaho icyo wishyura ukuye mu mufuka wawe. Niyo mpamvu ababyeyi bagomba kuzigama amafaranga uko bashoboye. Hari konti z’ubwizigamire zitandukanye zagufasha nka Flexible Spending Accounts (FSA), Health Savings Accounts (HSA), izi zifasha ababyeyi kuzigama ku kiguzi cy’ubuvuzi ariko kandi zikanafasha mu by’imisoro. Urugero nk’amafaranga ajya muru FSA abasha gukurwa ku mushahara atarakatwaho imisoro, bityo bikagabanya ayo winjije azakwaho imisoro ya Leta. Gusa ayo wazigamye yose agomba gukoreshwa mbere y’uko umwaka urangira kugirango ataburizwamo. Naho muri gahunda ya HSA, amafaranga wazigamye ashobora kwimurwa mu mwaka ukurikiyeho kandi nayo ntacibwa imisoro. Gukoresha HAS bisaba ko uba uri mu bwishingizi mu kwivuza buguca mafaranga menshi.

Nubwo mu gihe ubikora bishobora kugaragara nkibihenze ndetse bigoranye ababyeyi benshi bavuga ko kugira umwana ari ikintu cyiza mu buzima kumenya uburyo butandukanye buvamo ubufasha ni ingirakamaro.