ÊÀ¼ÍÓéÀÖ

§µ §Ó§Ñ§ã §Ö§ã§ä§î §á§â§à§Ò§Ý§Ö§Þ§Ñ, §Ü§à§ä§à§â§å§ð §ß§å§Ø§ß§à §â§Ö§ê§Ú§ä§î? §µ§Ù§ß§Ñ§Û§ä§Ö, §Ü§å§Õ§Ñ §á§à§Õ§Ñ§ä§î §Ø§Ñ§Ý§à§Ò§å §Ó §Ù§Ñ§Ó§Ú§ã§Ú§Þ§à§ã§ä§Ú §à§ä §Ó§Ñ§ê§Ö§Û §Ü§à§ß§Ü§â§Ö§ä§ß§à§Û §á§â§à§Ò§Ý§Ö§Þ§í, §å§Ù§ß§Ñ§Û§ä§Ö, §Ü§Ñ§Ü §â§Ñ§Ò§à§ä§Ñ§Ö§ä §á§â§à§è§Ö§ã§ã §á§à§Õ§Ñ§é§Ú §Ø§Ñ§Ý§à§Ò §Ó §â§Ñ§Ù§ß§í§ç §Ñ§Ô§Ö§ß§ä§ã§ä§Ó§Ñ§ç, §Ú §Ü§Ñ§Ü§Ú§Ö §â§Ö§ê§Ö§ß§Ú§ñ §Ó§Ñ§Þ §Õ§à§ã§ä§å§á§ß§í.

§¤§Ö§ß§Ö§â§Ñ§Ý§î§ß§í§Û §á§â§à§Ü§å§â§à§â §ê§ä§Ñ§ä§Ñ §£§Ñ§ê§Ú§ß§Ô§ä§à§ß

§°§æ§Ú§ã §Ô§Ö§ß§Ö§â§Ñ§Ý§î§ß§à§Ô§à §á§â§à§Ü§å§â§à§â§Ñ §á§â§Ö§Õ§Ý§Ñ§Ô§Ñ§Ö§ä §å§ã§Ý§å§Ô§å §á§à§Õ§Ñ§é§Ú §Ø§Ñ§Ý§à§Ò §Ø§Ú§ä§Ö§Ý§ñ§Þ §ê§ä§Ñ§ä§Ñ, §å §Ü§à§ä§à§â§í§ç §Ó§à§Ù§ß§Ú§Ü§Ý§Ú §á§â§à§Ò§Ý§Ö§Þ§í §ã §Ò§Ú§Ù§ß§Ö§ã§à§Þ, §â§Ñ§ã§á§à§Ý§à§Ø§Ö§ß§ß§í§Þ §Ó §ê§ä§Ñ§ä§Ö §£§Ñ§ê§Ú§ß§Ô§ä§à§ß. §µ§Ù§ß§Ñ§Û§ä§Ö §Ò§à§Ý§î§ê§Ö §à §ä§à§Þ, §Ü§Ñ§Ü §â§Ñ§Ò§à§ä§Ñ§Ö§ä §á§â§à§è§Ö§ã§ã §á§à§Õ§Ñ§é§Ú §Ø§Ñ§Ý§à§Ò §Ú §Ü§Ñ§Ü §á§à§Õ§Ñ§ä§î §Ø§Ñ§Ý§à§Ò§å §á§à §ä§Ö§Ý§Ö§æ§à§ß§å, §á§à §á§à§é§ä§Ö §Ú§Ý§Ú §à§ß§Ý§Ñ§Û§ß. §£§í §ä§Ñ§Ü§Ø§Ö §Þ§à§Ø§Ö§ä§Ö §ß§Ñ§Û§ä§Ú §â§Ö§ã§å§â§ã§í §Õ§Ý§ñ §â§Ñ§ã§á§â§à§ã§ä§â§Ñ§ß§Ö§ß§ß§í§ç §Ø§Ñ§Ý§à§Ò, §Ü§à§ä§à§â§í§Ö §ß§Ö §â§Ñ§ã§ã§Þ§Ñ§ä§â§Ú§Ó§Ñ§ð§ä§ã§ñ §ï§ä§Ú§Þ §à§æ§Ú§ã§à§Þ, §Ó§Ü§Ý§ð§é§Ñ§ñ §Ü§à§ß§ã§å§Ý§î§ä§Ñ§è§Ú§Ú §á§à §Õ§à§Ý§Ô§Ñ§Þ, §á§â§à§Ò§Ý§Ö§Þ§í §Ñ§â§Ö§ß§Õ§à§Õ§Ñ§ä§Ö§Ý§ñ §Ú §Ñ§â§Ö§ß§Õ§Ñ§ä§à§â§Ñ, §ã§á§Ñ§Þ §Ú §Þ§à§ê§Ö§ß§ß§Ú§é§Ö§ã§ä§Ó§à §á§à §ï§Ý§Ö§Ü§ä§â§à§ß§ß§à§Û §á§à§é§ä§Ö.

§±§à§ä§â§Ö§Ò§Ú§ä§Ö§Ý§î§ã§Ü§Ú§Ö §ä§à§Ó§Ñ§â§í

§±§à§ä§â§Ö§Ò§Ú§ä§Ö§Ý§î ¡ª §ï§ä§à §Ý§ð§Ò§à§Û, §Ü§ä§à §á§à§Ü§å§á§Ñ§Ö§ä §ä§à§Ó§Ñ§â§í (§æ§Ú§Ù§Ú§é§Ö§ã§Ü§Ú§Ö §á§â§Ö§Õ§Þ§Ö§ä§í) §Ú§Ý§Ú §å§ã§Ý§å§Ô§Ú. §µ §Ó§Ñ§ã §Ö§ã§ä§î §á§â§Ñ§Ó§Ñ §Ü§Ñ§Ü §å §á§à§ä§â§Ö§Ò§Ú§ä§Ö§Ý§ñ §Ó §Ý§ð§Ò§à§Ö §Ó§â§Ö§Þ§ñ, §Ü§à§Ô§Õ§Ñ §Ó§í §ã§à§Ó§Ö§â§ê§Ñ§Ö§ä§Ö §á§à§Ü§å§á§Ü§å. §µ§Ù§ß§Ñ§Û§ä§Ö §Ò§à§Ý§î§ê§Ö §à §â§Ñ§ã§á§â§à§ã§ä§â§Ñ§ß§Ö§ß§ß§í§ç §á§â§à§Ò§Ý§Ö§Þ§Ñ§ç, §ä§Ñ§Ü§Ú§ç §Ü§Ñ§Ü §Ó§à§Ù§Ó§â§Ñ§ä§í, §ã§á§à§â§í, §Þ§à§ê§Ö§ß§ß§Ú§é§Ö§ã§ä§Ó§à §Ú §Ü§â§Ñ§Ø§Ñ §Ý§Ú§é§ß§í§ç §Õ§Ñ§ß§ß§í§ç, §Ñ §ä§Ñ§Ü§Ø§Ö §à §ä§à§Þ, §Ü§Ñ§Ü §á§à§Õ§Ñ§ä§î §Ø§Ñ§Ý§à§Ò§å.

§­§Ú§è§Ö§ß§Ù§Ú§â§à§Ó§Ñ§ß§ß§í§Û §Ò§Ú§Ù§ß§Ö§ã

§£§í §Þ§à§Ø§Ö§ä§Ö §á§à§Õ§Ñ§ä§î §Ø§Ñ§Ý§à§Ò§å §Ó §¥§Ö§á§Ñ§â§ä§Ñ§Þ§Ö§ß§ä §Ý§Ú§è§Ö§ß§Ù§Ú§â§à§Ó§Ñ§ß§Ú§ñ (DOL) §ß§Ñ §Ý§ð§Ò§à§Ö §Ý§Ú§è§à §Ú§Ý§Ú §Ü§à§Þ§á§Ñ§ß§Ú§ð, §Ý§Ú§è§Ö§ß§Ù§Ú§â§à§Ó§Ñ§ß§ß§å§ð §ê§ä§Ñ§ä§à§Þ. DOL §ß§Ö §Þ§à§Ø§Ö§ä §á§à§Þ§à§é§î §Ó§Ù§í§ã§Ü§Ñ§ä§î §ã§â§Ö§Õ§ã§ä§Ó§Ñ §Ú§Ý§Ú §Ó§à§Ù§Þ§Ö§ã§ä§Ú§ä§î §å§ë§Ö§â§Ò, §ß§à §Þ§à§Ø§Ö§ä §á§â§Ú§ß§ñ§ä§î §Þ§Ö§â§í §á§â§à§ä§Ú§Ó §Ý§Ú§è§Ñ §Ú§Ý§Ú §Ü§à§Þ§á§Ñ§ß§Ú§Ú, §ß§Ñ§â§å§ê§Ñ§ð§ë§Ú§ç §Ú§ç §Ý§Ú§è§Ö§ß§Ù§Ú§ð §ß§Ñ §Ó§Ö§Õ§Ö§ß§Ú§Ö §Ò§Ú§Ù§ß§Ö§ã§Ñ. §¦§ã§Ý§Ú §Ó§í §ß§Ö §Ó§Ú§Õ§Ú§ä§Ö §ä§Ú§á §Ý§Ú§è§Ö§ß§Ù§Ú§Ú, §Ü§à§ä§à§â§í§Û §Ú§ë§Ö§ä§Ö, §ß§Ñ §ã§ä§â§Ñ§ß§Ú§è§Ö §±§à§Õ§Ñ§ä§î §Ø§Ñ§Ý§à§Ò§å, §á§à§ã§Þ§à§ä§â§Ú§ä§Ö §ß§Ñ §ã§ä§â§Ñ§ß§Ú§è§å §³§á§Ú§ã§à§Ü §Ý§Ú§è§Ö§ß§Ù§Ú§Û.

§¶§Ú§ß§Ñ§ß§ã§à§Ó§í§Ö §å§ã§Ý§å§Ô§Ú

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(DFI)

§³§ä§â§Ñ§ç§à§Ó§Ñ§ß§Ú§Ö

§°§æ§Ú§ã §Ü§à§Þ§Ú§ã§ã§Ñ§â§Ñ §á§à §ã§ä§â§Ñ§ç§à§Ó§Ñ§ß§Ú§ð §å§á§â§Ñ§Ó§Ý§ñ§Ö§ä §Ø§Ñ§Ý§à§Ò§Ñ§Þ§Ú §á§à §Ó§ã§Ö§Þ §Ó§Ú§Õ§Ñ§Þ §ã§ä§â§Ñ§ç§à§Ó§Ñ§ß§Ú§ñ, §Ó§Ü§Ý§ð§é§Ñ§ñ §Ñ§Ó§ä§à§ã§ä§â§Ñ§ç§à§Ó§Ñ§ß§Ú§Ö, §ã§ä§â§Ñ§ç§à§Ó§Ñ§ß§Ú§Ö §Ø§Ú§Ý§î§ñ, §ã§ä§â§Ñ§ç§à§Ó§Ñ§ß§Ú§Ö §Ù§Õ§à§â§à§Ó§î§ñ, §ã§ä§â§Ñ§ç§à§Ó§Ñ§ß§Ú§Ö §Ø§Ú§Ù§ß§Ú, §Õ§à§Ý§Ô§à§ã§â§à§é§ß§à§Ö §ã§ä§â§Ñ§ç§à§Ó§Ñ§ß§Ú§Ö §Ú Medicare. §£§í §Þ§à§Ø§Ö§ä§Ö §á§à§Ý§å§é§Ú§ä§î §á§à§Þ§à§ë§î §á§à §ä§Ñ§Ü§Ú§Þ §Ó§à§á§â§à§ã§Ñ§Þ, §Ü§Ñ§Ü §à§ä§Ü§Ý§à§ß§Ö§ß§ß§í§Ö §Ú§Ý§Ú §à§ä§Ý§à§Ø§Ö§ß§ß§í§Ö §á§â§Ö§ä§Ö§ß§Ù§Ú§Ú, §Ñ§ß§ß§å§Ý§Ú§â§à§Ó§Ñ§ß§ß§í§Ö §á§à§Ý§Ú§ã§í, §Ñ §ä§Ñ§Ü§Ø§Ö §â§Ñ§Ù§à§Ò§â§Ñ§ä§î§ã§ñ §Ó §Ó§Ñ§ê§Ö§Þ §ã§ä§â§Ñ§ç§à§Ó§à§Þ §á§Ý§Ñ§ß§Ö §Ú §å§Ù§ß§Ñ§ä§î, §Ü§Ñ§Ü §á§à§Õ§Ñ§ä§î §Ø§Ñ§Ý§à§Ò§å.

§ª§ß§ä§Ö§â§ß§Ö§ä, §ä§Ö§Ý§Ö§æ§à§ß §Ú §ä§Ö§Ý§Ö§Ó§Ú§Õ§Ö§ß§Ú§Ö

§µ§Ù§ß§Ñ§Û§ä§Ö §à §ã§Ó§à§Ú§ç §á§â§Ñ§Ó§Ñ§ç §Ó §à§ä§ß§à§ê§Ö§ß§Ú§Ú §á§à§ã§ä§Ñ§Ó§ë§Ú§Ü§à§Ó §å§ã§Ý§å§Ô §Ú§ß§ä§Ö§â§ß§Ö§ä§Ñ, §ä§Ö§Ý§Ö§æ§à§ß§Ú§Ú §Ú §ä§Ö§Ý§Ö§Ó§Ú§Õ§Ö§ß§Ú§ñ. §¿§ä§Ú §å§ã§Ý§å§Ô§Ú §ß§Ñ§Ù§í§Ó§Ñ§ð§ä§ã§ñ §Ü§à§Þ§Þ§å§ß§Ú§Ü§Ñ§è§Ú§ñ§Þ§Ú. §£§í §Þ§à§Ø§Ö§ä§Ö §å§Ù§ß§Ñ§ä§î, §â§Ö§Ô§å§Ý§Ú§â§å§Ö§ä§ã§ñ §Ý§Ú §Ó§Ñ§ê§Ñ §á§â§à§Ò§Ý§Ö§Þ§Ñ §ã §Ü§à§Þ§Þ§å§ß§Ú§Ü§Ñ§è§Ú§à§ß§ß§à§Û §å§ã§Ý§å§Ô§à§Û §¶§Ö§Õ§Ö§â§Ñ§Ý§î§ß§à§Û §Ü§à§Þ§Ú§ã§ã§Ú§Ö§Û §á§à §ã§Ó§ñ§Ù§Ú §Ú §Ü§Ñ§Ü §á§à§Õ§Ñ§ä§î §ß§Ö§à§æ§Ú§è§Ú§Ñ§Ý§î§ß§å§ð §Ø§Ñ§Ý§à§Ò§å.

§¬§à§Þ§Þ§å§ß§Ñ§Ý§î§ß§í§Ö §å§ã§Ý§å§Ô§Ú §Ú §ä§â§Ñ§ß§ã§á§à§â§ä

§¬§à§Þ§Ú§ã§ã§Ú§ñ §á§à §Ü§à§Þ§Þ§å§ß§Ñ§Ý§î§ß§í§Þ §å§ã§Ý§å§Ô§Ñ§Þ §Ú §ä§â§Ñ§ß§ã§á§à§â§ä§å §ê§ä§Ñ§ä§Ñ §£§Ñ§ê§Ú§ß§Ô§ä§à§ß (UTC) §á§â§Ú§ß§Ú§Þ§Ñ§Ö§ä §Ø§Ñ§Ý§à§Ò§í §ß§Ñ §Ü§à§Þ§á§Ñ§ß§Ú§Ú, §Ù§Ñ§ß§Ú§Þ§Ñ§ð§ë§Ú§Ö§ã§ñ §ï§ß§Ö§â§Ô§à§ã§ß§Ñ§Ò§Ø§Ö§ß§Ú§Ö§Þ, §Ó§à§Õ§à§ã§ß§Ñ§Ò§Ø§Ö§ß§Ú§Ö§Þ, §å§ä§Ú§Ý§Ú§Ù§Ñ§è§Ú§Ö§Û §Þ§å§ã§à§â§Ñ, §ä§â§Ñ§ß§ã§á§à§â§ä§Ú§â§à§Ó§Ü§à§Û §Ú §ä§Ö§Ý§Ö§æ§à§ß§ß§à§Û §ã§Ó§ñ§Ù§î§ð, §â§Ö§Ô§å§Ý§Ú§â§å§Ö§Þ§í§Ö §á§â§Ñ§Ó§Ú§ä§Ö§Ý§î§ã§ä§Ó§à§Þ §ê§ä§Ñ§ä§Ñ.

§¥§Ú§ã§Ü§â§Ú§Þ§Ú§ß§Ñ§è§Ú§ñ

§¬§à§Þ§Ú§ã§ã§Ú§ñ §á§à §á§â§Ñ§Ó§Ñ§Þ §é§Ö§Ý§à§Ó§Ö§Ü§Ñ §ê§ä§Ñ§ä§Ñ §£§Ñ§ê§Ú§ß§Ô§ä§à§ß §â§Ñ§ã§ã§Ý§Ö§Õ§å§Ö§ä §Ø§Ñ§Ý§à§Ò§í §ß§Ñ §Õ§Ú§ã§Ü§â§Ú§Þ§Ú§ß§Ñ§è§Ú§ð §Ó §ã§æ§Ö§â§Ö §Ù§Ñ§ß§ñ§ä§à§ã§ä§Ú, §Ø§Ú§Ý§î§ñ, §å§ã§Ý§å§Ô, §ã§ä§â§Ñ§ç§à§Ó§Ñ§ß§Ú§ñ §Ú §Ü§â§Ö§Õ§Ú§ä§à§Ó§Ñ§ß§Ú§ñ. §±§â§à§é§Ú§ä§Ñ§Û§ä§Ö §à §á§â§à§è§Ö§ã§ã§Ö §â§Ñ§ã§ã§Ý§Ö§Õ§à§Ó§Ñ§ß§Ú§ñ §Ú §Ù§Ñ§Ô§â§å§Ù§Ú§ä§Ö §æ§à§â§Þ§å §Ø§Ñ§Ý§à§Ò§í, §Ü§à§ä§à§â§å§ð §Ó§í §Þ§à§Ø§Ö§ä§Ö §á§à§Õ§Ñ§ä§î §á§à §ï§Ý§Ö§Ü§ä§â§à§ß§ß§à§Û §á§à§é§ä§Ö §Ú§Ý§Ú §á§à §á§à§é§ä§Ö.

§±§â§Ñ§Ó§Ñ §ä§â§å§Õ§ñ§ë§Ú§ç§ã§ñ

§µ§Ù§ß§Ñ§Û§ä§Ö, §Ü§Ñ§Ü §Ó§Ñ§ã §Ù§Ñ§ë§Ú§ë§Ñ§Ö§ä §Ù§Ñ§Ü§à§ß §Ú §é§ä§à §Õ§Ö§Ý§Ñ§ä§î, §Ö§ã§Ý§Ú §Ó§í §ã§é§Ú§ä§Ñ§Ö§ä§Ö, §é§ä§à §Ó§Ñ§ê§Ú §á§â§Ñ§Ó§Ñ §ß§Ñ§â§å§ê§Ö§ß§í. §£§í §Þ§à§Ø§Ö§ä§Ö §á§à§Õ§Ñ§ä§î §Ø§Ñ§Ý§à§Ò§å §á§à §Ó§à§á§â§à§ã§Ñ§Þ, §ã§Ó§ñ§Ù§Ñ§ß§ß§í§Þ §ã §Ù§Ñ§â§Ñ§Ò§à§ä§ß§à§Û §á§Ý§Ñ§ä§à§Û, §á§Ö§â§Ö§â§í§Ó§Ñ§Þ§Ú §ß§Ñ §à§ä§Õ§í§ç §Ú §á§â§Ú§Ö§Þ§Ñ§Þ§Ú §á§Ú§ë§Ú, §Õ§Ö§ä§ã§Ü§Ú§Þ §ä§â§å§Õ§à§Þ, §å§ß§Ú§æ§à§â§Þ§à§Û, §Ñ §ä§Ñ§Ü§Ø§Ö §â§Ö§á§â§Ö§ã§ã§Ú§ñ§Þ§Ú §Ú §å§Ó§à§Ý§î§ß§Ö§ß§Ú§Ö§Þ, §ß§Ö §à§á§Ñ§ã§Ñ§ñ§ã§î §à§ä§Ó§Ö§ä§ß§à§Û §â§Ö§Ñ§Ü§è§Ú§Ú.

§¢§Ö§Ù§à§á§Ñ§ã§ß§à§ã§ä§î §ß§Ñ §â§Ñ§Ò§à§é§Ö§Þ §Þ§Ö§ã§ä§Ö

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§¨§Ñ§Ý§à§Ò§í, §Ü§Ñ§ã§Ñ§ð§ë§Ú§Ö§ã§ñ §Ü§à§ß§Ü§â§Ö§ä§ß§í§ç §Ñ§Ô§Ö§ß§ä§ã§ä§Ó

§¦§ã§Ý§Ú §å §Ó§Ñ§ã §Ö§ã§ä§î §Ø§Ñ§Ý§à§Ò§Ñ §ß§Ñ §Ü§à§ß§Ü§â§Ö§ä§ß§à§Ö §Ñ§Ô§Ö§ß§ä§ã§ä§Ó§à, §á§à§Ø§Ñ§Ý§å§Û§ã§ä§Ñ, §Ú§ã§á§à§Ý§î§Ù§å§Û§ä§Ö §ã§á§â§Ñ§Ó§à§é§ß§Ú§Ü §Ñ§Ô§Ö§ß§ä§ã§ä§Ó , §é§ä§à§Ò§í §ß§Ñ§á§â§ñ§Þ§å§ð §ã§Ó§ñ§Ù§Ñ§ä§î§ã§ñ §ã §ï§ä§Ú§Þ §Ñ§Ô§Ö§ß§ä§ã§ä§Ó§à§Þ. §®§í §ß§Ö §Þ§à§Ø§Ö§Þ §à§Ò§â§Ñ§Ò§Ñ§ä§í§Ó§Ñ§ä§î §Ø§Ñ§Ý§à§Ò§í §ß§Ñ §ï§ä§à§Þ §ã§Ñ§Û§ä§Ö.