{"id":13313,"date":"2017-08-05T21:15:49","date_gmt":"2017-08-05T21:15:49","guid":{"rendered":"http:\/\/www.norn.is\/pistlar\/?p=13313"},"modified":"2018-09-18T16:08:49","modified_gmt":"2018-09-18T16:08:49","slug":"gaettu-ad-thvi-hvenaer-thu-veikist-madur","status":"publish","type":"post","link":"https:\/\/www.norn.is\/pistlar\/gaettu-ad-thvi-hvenaer-thu-veikist-madur\/","title":{"rendered":"G\u00e6ttu a\u00f0 \u00fev\u00ed hven\u00e6r \u00fe\u00fa veikist ma\u00f0ur!"},"content":{"rendered":"

\"\"<\/a>\u00c9g er svo l\u00e1ns\u00f6m a\u00f0 eiga l\u00f6gheimili erlendis og \u00a0\u00fearf \u00fev\u00ed aldrei a\u00f0 hafa \u00e1hyggjur af kostna\u00f0i vegna heilbrig\u00f0is\u00fej\u00f3nustu. Hef \u00fev\u00ed ekki haft neina prakt\u00edska \u00e1st\u00e6\u00f0u til a\u00f0 kynna m\u00e9r n\u00fdja grei\u00f0slu\u00fe\u00e1ttt\u00f6kukerfi\u00f0 vegna heilbrig\u00f0is\u00fej\u00f3nustu sem t\u00f3k gildi n\u00fana 1. ma\u00ed. \u00c9g h\u00e9lt jafnvel a\u00f0 \u00fea\u00f0 v\u00e6ri notendum til mikilla hagsb\u00f3ta \u00fev\u00ed kona sem \u00e9g \u00feekki og hefur \u00e1tt vi\u00f0 mikil veikindi a\u00f0 str\u00ed\u00f0a s\u00ed\u00f0ustu \u00e1rin sag\u00f0i m\u00e9r a\u00f0 h\u00fan hef\u00f0i fari\u00f0 til l\u00e6knis \u00ed j\u00fan\u00ed og ekki \u00feurft a\u00f0 grei\u00f0a nema brot af \u00fev\u00ed sem h\u00fan haf\u00f0i greitt s\u00ed\u00f0ast.<\/p>\n

\u00cd g\u00e6r sag\u00f0i svo \u00f6nnur vinkona m\u00edn fr\u00e1 \u00fev\u00ed \u00e1 Facebook a\u00f0 h\u00fan haf\u00f0i \u00feurft a\u00f0 grei\u00f0a meira en ella vegna \u00feess a\u00f0 \u00fea\u00f0 hef\u00f0u li\u00f0i\u00f0 tveir m\u00e1nu\u00f0ir \u00e1 milli \u00feess a\u00f0 h\u00fan leita\u00f0i til l\u00e6knis og a\u00f0 ver\u00f0i\u00f0 g\u00e6ti or\u00f0i\u00f0 allt a\u00f0 sexfalt. M\u00e9r \u00fe\u00f3tti \u00feetta einkennilegt og f\u00f3r a\u00f0 sko\u00f0a regluger\u00f0 um grei\u00f0slu\u00fe\u00e1ttt\u00f6ku<\/a>\u00a0\u00fear sem \u00feetta er \u00fatsk\u00fdrt. (Sj\u00e1 einkum II. kafla regluger\u00f0arinnar.)<\/p>\n

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Fl\u00f3ki\u00f0 kerfi<\/strong><\/p>\n

\u00c9g var t\u00f6luvert lengi a\u00f0 \u00e1tta mig \u00e1 \u00feessu og f\u00f3lk sem hefur marga fj\u00f6runa sopi\u00f0 \u00ed \u00feessum efnum tekur undir \u00fe\u00e1 sko\u00f0un m\u00edna a\u00f0 grei\u00f0slu\u00fe\u00e1ttt\u00f6kukerfi\u00f0 s\u00e9 allt of fl\u00f3ki\u00f0 til \u00feess a\u00f0 h\u00e6gt s\u00e9 a\u00f0 \u00e6tlast til \u00feess a\u00f0 me\u00f0alma\u00f0urinn \u00e1tti sig \u00e1 \u00fev\u00ed nema me\u00f0 t\u00f6luver\u00f0ri yfirlegu. Um afsl\u00e1ttarstofn er fjalla\u00f0 \u00ed 4. gr. regluger\u00f0arinnar:<\/p>\n

Grei\u00f0slur sj\u00fakratrygg\u00f0s fyrir heilbrig\u00f0is\u00fej\u00f3nustu samkv\u00e6mt regluger\u00f0 \u00feessari mynda afsl\u00e1ttarstofn. Afsl\u00e1ttarstofn er n\u00fdttur vi\u00f0 \u00e1kv\u00f6r\u00f0un \u00e1 grei\u00f0slum sj\u00fakratrygg\u00f0s vi\u00f0 kaup \u00e1 heilbrig\u00f0is\u00fej\u00f3nustu. Afsl\u00e1ttarstofn ver\u00f0ur aldrei h\u00e6rri en h\u00e1marksgrei\u00f0sla sj\u00fakratrygg\u00f0s \u00ed almanaksm\u00e1nu\u00f0i, sbr. 3. gr. Afsl\u00e1ttarstofn flyst \u00e1 milli m\u00e1na\u00f0a a\u00f0 fr\u00e1dregnum 1\/6 hluta af h\u00e1marksgrei\u00f0slu um hver m\u00e1n\u00ada\u00f0a\u00adm\u00f3t, \u00f3h\u00e1\u00f0 grei\u00f0slum sj\u00fakratrygg\u00f0s.<\/p>\n

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Vi\u00f0 \u00e1kv\u00f6r\u00f0un grei\u00f0slu\u00fe\u00e1ttt\u00f6ku sj\u00fakratrygg\u00f0s vegna heilbrig\u00f0is\u00fej\u00f3nustu samkv\u00e6mt regluger\u00f0 \u00feessari skal leggja saman afsl\u00e1ttarstofn og grei\u00f0slur sj\u00fakratrygg\u00f0s vi\u00f0 kaup \u00e1 heilbrig\u00f0is\u00fej\u00f3nustu. S\u00e9u samanlag\u00f0ar grei\u00f0slur l\u00e6gri en h\u00e1marksgrei\u00f0sla, sbr. 3. gr., grei\u00f0ir sj\u00fakratrygg\u00f0ur kostna\u00f0inn allt a\u00f0 h\u00e1marksgrei\u00f0slu. Kostna\u00f0ur umfram h\u00e1marksgrei\u00f0slu sj\u00fakratrygg\u00f0s grei\u00f0ist af Sj\u00fakra\u00adtrygg\u00adingum \u00cdslands, ef um er a\u00f0 r\u00e6\u00f0a \u00fej\u00f3nustu sem \u00fe\u00e6r taka \u00fe\u00e1tt \u00ed a\u00f0 grei\u00f0a, annars af vi\u00f0\u00adkom\u00adandi heilbrig\u00f0isstofnun.<\/p><\/blockquote>\n

Skilji\u00f0 \u00fei\u00f0 \u00feetta vi\u00f0 fyrsta yfirlestur?<\/p>\n

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\"\"<\/a><\/p>\n

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 <\/p>\n

Kostna\u00f0ur sj\u00faklings getur sexfaldast ef hann b\u00ed\u00f0ur of lengi<\/strong><\/p>\n

\u00deeir sem ekki \u00e1tta sig \u00e1 \u00feessu hj\u00e1lparlaust geta s\u00e9\u00f0 d\u00e6mi um \u00fatreiknina \u00e1\u00a0vef Sj\u00fakratrygginga \u00cdslands<\/em><\/a>.<\/p>\n

\n

D\u00e6mi 1:<\/h2>\n

J\u00f3n hefur ekki \u00feurft a\u00f0 n\u00fdta s\u00e9r neina heilbrig\u00f0is\u00fej\u00f3nustu s\u00ed\u00f0asta h\u00e1lfa \u00e1ri\u00f0. Hann fer \u00ed a\u00f0ger\u00f0 \u00e1 stofu s\u00e9rfr\u00e6\u00f0ings og grei\u00f0ir 24.600 kr. fyrir a\u00f0ger\u00f0ina (h\u00e1marksgjald) \u00ed ma\u00ed. Hann fer s\u00ed\u00f0ar \u00ed sama m\u00e1nu\u00f0i til sj\u00fakra\u00fej\u00e1lfara og l\u00e6knis en \u00fear sem hann er b\u00fain a\u00f0 grei\u00f0a h\u00e1marksgjaldi\u00f0 \u00ed \u00a0m\u00e1nu\u00f0inum \u00fe\u00e1 grei\u00f0ir hann ekkert gjald fyrir \u00fe\u00e1 \u00fej\u00f3nustu.<\/p>\n

\u00cd j\u00fan\u00ed \u00fearf J\u00f3n a\u00f0 fara \u00e1fram til sj\u00fakra\u00fej\u00e1lfara, en \u00fear sem hann var b\u00fainn a\u00f0 grei\u00f0a h\u00e1marksgjald \u00ed ma\u00ed \u00fe\u00e1 grei\u00f0ir hann 4.100 kr. fyrir \u00fej\u00e1lfunina. Ef hann \u00fearf a\u00f0 s\u00e6kja frekari \u00fej\u00f3nustu hj\u00e1 l\u00e6kni e\u00f0a \u00fej\u00e1lfara \u00ed j\u00fan\u00ed \u00fe\u00e1 grei\u00f0ir hann ekki meira \u00a0\u00feann m\u00e1nu\u00f0inn.<\/p>\n

 <\/p>\n

Ef J\u00f3n s\u00e6kir hins vegar enga heilbrig\u00f0i\u00fej\u00f3nustu \u00ed j\u00fan\u00ed og fer ekki fyrr en tveimur m\u00e1nu\u00f0um s\u00ed\u00f0ar (\u00ed j\u00fal\u00ed) \u00fe\u00e1 \u00fearf hann a\u00f0 grei\u00f0a 8.200 kr. fyrir heilbrig\u00f0is\u00fej\u00f3nustu \u00ed \u00feeim m\u00e1nu\u00f0i (4.100 kr. x2).<\/p><\/blockquote>\n

Samkv\u00e6mt \u00feessu skiptir \u00fea\u00f0 \u00f6llu m\u00e1li fyrir J\u00f3n hven\u00e6r<\/strong> hann \u00fearf aftur a\u00f0 n\u00fdta s\u00e9r \u00fej\u00f3nustu heilbrig\u00f0iskerfisins eftir a\u00f0 hafa n\u00e1\u00f0 h\u00e1markinu og getur muna\u00f0 t\u00f6luver\u00f0u eftir \u00fev\u00ed hvoru megin m\u00e1na\u00f0am\u00f3ta hann f\u00e6r t\u00edma. Ef hann \u00fearf ekki \u00fej\u00f3nustu aftur fyrr en a\u00f0 6 m\u00e1nu\u00f0um li\u00f0num \u00fearf hann aftur a\u00f0 grei\u00f0a allt a\u00f0 h\u00e1markinu sem gert er r\u00e1\u00f0 fyrir \u00ed almanaksm\u00e1nu\u00f0i. Setjum sem svo a\u00f0 hann \u00feurfi bara einu sinni \u00e1 \u00fej\u00f3nustu a\u00f0 halda \u00e1 \u00e1rinu, eftir a\u00f0 hafa greitt h\u00e1marki\u00f0 \u00ed ma\u00ed og a\u00f0 kostna\u00f0urinn vi\u00f0 \u00fe\u00e1 \u00fej\u00f3nustu fari yfir 24.600 kr marki\u00f0. Ef hann n\u00fdtir s\u00e9r \u00fej\u00f3nustuna \u00ed j\u00fan\u00ed og veikist svo ekkert eftir \u00fea\u00f0, grei\u00f0ir hann 4.100 e\u00f0a samtals 28.700 fyrir heilbrig\u00f0is\u00fej\u00f3nustu yfir \u00e1ri\u00f0. Ef hann hinsvegar \u00fearf ekki \u00e1 neinni \u00fej\u00f3nustu a\u00f0 halda fyrr en \u00ed n\u00f3vember, \u00fe\u00e1 grei\u00f0ir hann aftur allt a\u00f0 h\u00e1markinu e\u00f0a samtals 49.200. Ef J\u00f3n \u00fearf t.d. a\u00f0 fara \u00ed a\u00f0ra a\u00f0ger\u00f0 ver\u00f0ur \u00fea\u00f0 20.500 kr d\u00fdrara fyrir hann ef hann kemst ekki a\u00f0 fyrr en n\u00f3vember og \u00fea\u00f0 er ekki eins og hann geti bara panta\u00f0 a\u00f0 komast a\u00f0 sem fyrst til a\u00f0 spara s\u00e9r pening.<\/p>\n

\u00dear me\u00f0 hefst n\u00fdr hringur og ef hann leitar til heilsug\u00e6slunnar \u00ed desember \u00fearf hann a\u00f0 grei\u00f0a allt a\u00f0 4100 kr en ef hann gerir \u00fea\u00f0 ekki fyrr en \u00ed apr\u00edl geta \u00fea\u00f0 or\u00f0i\u00f0 allt a\u00f0 20.500 (5*4100). H\u00e1markskostna\u00f0ur J\u00f3ns vegna heilbrig\u00f0is\u00fej\u00f3nustu \u00e1 12 m\u00e1na\u00f0a t\u00edmabili (mi\u00f0a\u00f0 vi\u00f0 \u00fe\u00e6r forsendur a\u00f0 hann \u00feurfi \u00ferisvar sinnum \u00e1 \u00fej\u00f3nustu a\u00f0 halda og kostna\u00f0urinn n\u00e1i h\u00e1marki \u00ed hvert sinn) getur \u00fev\u00ed or\u00f0i\u00f0 allt a\u00f0 \u00a069.700 kr. en hann g\u00e6ti sloppi\u00f0 me\u00f0 32.800 fyrir n\u00e1kv\u00e6mlega s\u00f6mu \u00fej\u00f3nustu ef hann leitar l\u00e6kninga \u00e1 hagkv\u00e6masta t\u00edmanum og ef \u00feessar \u00ferj\u00e1r komur eru allar \u00ed sama m\u00e1nu\u00f0inum sleppur hann me\u00f0 24.600.<\/p>\n

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Er e\u00f0lilegt a\u00f0 \u00fea\u00f0 skipti sk\u00f6pum \u00e1 hva\u00f0a degi ma\u00f0ur f\u00e6r heilbrig\u00f0is\u00fej\u00f3nustu?<\/strong><\/p>\n

\u00dea\u00f0 er au\u00f0vita\u00f0 fr\u00e1b\u00e6rt kerfi\u00f0 skuli hvetja f\u00f3lk til a\u00f0 leita til l\u00e6knis sem allra fyrst frekar en a\u00f0 harka af s\u00e9r \u00fear til ver\u00f0i\u00f0 fyrir s\u00f6mu \u00fej\u00f3nustuna hefur sexaldast. \u00deetta fyrirkomulag b\u00fd\u00f0ur l\u00edka upp \u00e1 g\u00f3\u00f0a \u00fej\u00e1lfun fyrir heilab\u00fai\u00f0 og h\u00e6fni f\u00f3lks til a\u00f0 taka \u00e1kvar\u00f0anir. Ef ma\u00f0ur f\u00e6r t.d. skyndilegan h\u00f6fu\u00f0verk \u00e1 s\u00ed\u00f0asta degi m\u00e1na\u00f0ar \u00fearf hann a\u00f0 gera upp vi\u00f0 sig hvort hann dr\u00edfur sig til l\u00e6knis strax (ef hann f\u00e6r \u00fe\u00e1 t\u00edma) og \u00fearf \u00fe\u00e1 a\u00f0 borga t\u00f6luvert minna en ef hann dr\u00e6gi \u00fea\u00f0 til morgundagsins. \u00c1 hinn b\u00f3ginn ver\u00f0ur verkurinn kannski li\u00f0inn hj\u00e1 \u00e1 morgun og \u00fev\u00ed engin \u00fe\u00f6rf \u00e1 \u00fej\u00f3nustu. \u00dea\u00f0 er hverjum manni hollt a\u00f0 \u00feurfa a\u00f0 reikna me\u00f0 h\u00f6fu\u00f0verk.<\/p>\n

\u00dea\u00f0 er l\u00edka harla gott a\u00f0 kostna\u00f0ur J\u00f3ns vegna heilbrig\u00f0is\u00fej\u00f3nustu skuli ekki geta or\u00f0i\u00f0 h\u00e6rri en 69.700 kr. \u00e1 \u00e1ri. \u00dea\u00f0 er ekki nema 69.700 kr. meira en hann \u00feyrfti \u00ed flestum tilvikum a\u00f0 grei\u00f0a \u00ed Skotland (en \u00fear eru lyf reyndar l\u00edka ni\u00f0urgreidd a\u00f0 fullu) en \u00feessi stefna dregur til muna \u00far l\u00edkunum \u00e1 \u00fev\u00ed a\u00f0 f\u00f3lk ney\u00f0ist til a\u00f0 segja sig til sveitar vegna veikinda. \u00dea\u00f0 er alveg lj\u00f3mandi a\u00f0 hann J\u00f3n okkar skuli aldrei \u00feurfa a\u00f0 grei\u00f0a meira en 24.600 \u00ed sama almannaksm\u00e1nu\u00f0i, \u00fea\u00f0 er 24.600 kr. meira en hann \u00feyrfti a\u00f0 grei\u00f0a \u00ed Skotlandi en framf\u00f6r samt. Og j\u00e1, \u00fea\u00f0 er afar gott m\u00e1l a\u00f0 b\u00f6rn og \u00f6ryrkjar skuli \u00feurfa a\u00f0 grei\u00f0a enn\u00fe\u00e1 minna. N\u00fdja kerfi\u00f0 l\u00e9ttir eflaust byr\u00f0ina hj\u00e1 m\u00f6rgum og er \u00fea\u00f0 vel.<\/p>\n

\"\"<\/a><\/p>\n

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T\u00edminn er peningar – ekki s\u00edst \u00ed n\u00fdja grei\u00f0slu\u00fe\u00e1ttt\u00f6kukerfinu<\/em><\/p>\n

En er samt ekki p\u00ednul\u00edti\u00f0 skr\u00fdti\u00f0 a\u00f0 \u00fea\u00f0 geti muna\u00f0 m\u00f6rgum \u00fe\u00fasundk\u00f6llum \u00e1 \u00fev\u00ed hva\u00f0 notandinn \u00fearf a\u00f0 grei\u00f0a fyrir \u00fej\u00f3nustuna eftir \u00fev\u00ed hvort hann fer \u00ed ranns\u00f3kn e\u00f0a a\u00f0ger\u00f0 \u00feann 30. september e\u00f0a hvort \u00fea\u00f0 dregst til 1. n\u00f3vember og tugum \u00fe\u00fasunda \u00e1 \u00fev\u00ed hva\u00f0 sama manneskja grei\u00f0ir fyrir s\u00f6mu \u00fej\u00f3nustu, eftir \u00fev\u00ed hvort vi\u00f0komandi f\u00e6r \u00fej\u00f3nustuna \u00ed j\u00fan\u00ed e\u00f0a n\u00f3vember?<\/p>\n

Og hef\u00f0i virkilega ekki h\u00e6gt a\u00f0 hafa \u00feetta n\u00f3gu einfalt til \u00feess a\u00f0 venjulegt f\u00f3lk geti \u00e1tta\u00f0 sig \u00e1 \u00fev\u00ed fyrirfram hva\u00f0 \u00fea\u00f0 \u00e1 a\u00f0 grei\u00f0a?<\/p>\n

Einnig birt h\u00e9r<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

\u00c9g er svo l\u00e1ns\u00f6m a\u00f0 eiga l\u00f6gheimili erlendis og \u00a0\u00fearf \u00fev\u00ed aldrei a\u00f0 hafa \u00e1hyggjur af kostna\u00f0i vegna heilbrig\u00f0is\u00fej\u00f3nustu. Hef \u00fev\u00ed ekki haft neina prakt\u00edska \u00e1st\u00e6\u00f0u til a\u00f0 kynna m\u00e9r n\u00fdja grei\u00f0slu\u00fe\u00e1ttt\u00f6kukerfi\u00f0 vegna heilbrig\u00f0is\u00fej\u00f3nustu sem t\u00f3k gildi n\u00fana 1. ma\u00ed. … Halda \u00e1fram a\u00f0 lesa →<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_links_to":"","_links_to_target":""},"categories":[20,1],"tags":[459],"class_list":["post-13313","post","type-post","status-publish","format-standard","hentry","category-heilbrigdismal","category-pistlar","tag-sjukrakostnadur"],"yoast_head":"\nG\u00e6ttu a\u00f0 \u00fev\u00ed hven\u00e6r \u00fe\u00fa veikist ma\u00f0ur! - Pistlar Evu<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.norn.is\/pistlar\/gaettu-ad-thvi-hvenaer-thu-veikist-madur\/\" \/>\n<meta property=\"og:locale\" content=\"is_IS\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"G\u00e6ttu a\u00f0 \u00fev\u00ed hven\u00e6r \u00fe\u00fa veikist ma\u00f0ur! - Pistlar Evu\" \/>\n<meta property=\"og:description\" content=\"\u00c9g er svo l\u00e1ns\u00f6m a\u00f0 eiga l\u00f6gheimili erlendis og \u00a0\u00fearf \u00fev\u00ed aldrei a\u00f0 hafa \u00e1hyggjur af kostna\u00f0i vegna heilbrig\u00f0is\u00fej\u00f3nustu. 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