╨а╤Г╨║╨╛╨▓╨╛╨┤╤Б╤В╨▓╨╛ ╨┐╨╛ ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╤О COBRA ╨┤╨╗╤П ╨╝╨░╨╗╨╛╨│╨╛ ╨▒╨╕╨╖╨╜╨╡╤Б╨░

• COBRA тАФ ╤Н╤В╨╛ ╤Д╨╡╨┤╨╡╤А╨░╨╗╤М╨╜╤Л╨╣ ╨╖╨░╨║╨╛╨╜, ╨║╨╛╤В╨╛╤А╤Л╨╣ ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╗╤П╨╡╤В ╨┐╤А╨░╨▓╨╛╨╝╨╛╤З╨╜╤Л╨╝ ╤А╨░╨▒╨╛╤В╨╜╨╕╨║╨░╨╝ ╨╕ ╨╕╤Е ╨╕╨╢╨┤╨╕╨▓╨╡╨╜╤Ж╨░╨╝ ╨╝╨╡╨┤╨╕╤Ж╨╕╨╜╤Б╨║╨╛╨╡ ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╨╡ ╨▓ ╤Б╨╗╤Г╤З╨░╨╡ ╨┐╨╛╤В╨╡╤А╨╕ ╤А╨░╨▒╨╛╤В╨╜╨╕╨║╨╛╨╝ ╤А╨░╨▒╨╛╤В╤Л ╨╕╨╗╨╕ ╤Б╨╛╨║╤А╨░╤Й╨╡╨╜╨╕╤П ╤А╨░╨▒╨╛╤З╨╡╨│╨╛ ╨▓╤А╨╡╨╝╨╡╨╜╨╕.
• ╨а╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╨╕ ╤Б 20 ╨╕ ╨▒╨╛╨╗╨╡╨╡ ╤И╤В╨░╤В╨╜╤Л╨╝╨╕ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨░╨╝╨╕ ╨╛╨▒╤П╨╖╨░╨╜╤Л ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╗╤П╤В╤М ╤Б╤В╤А╨░╤Е╨╛╨▓╨╛╨╡ ╨┐╨╛╨║╤А╤Л╤В╨╕╨╡ COBRA.
• ╨з╤В╨╛╨▒╤Л ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║ ╨╝╨╛╨│ ╨┐╨╛╨╗╤Г╤З╨╕╤В╤М ╤Б╤В╤А╨░╤Е╨╛╨▓╨╛╨╡ ╨┐╨╛╨║╤А╤Л╤В╨╕╨╡ COBRA, ╨╛╨╜ ╨┤╨╛╨╗╨╢╨╡╨╜ ╨┐╨╡╤А╨╡╨╢╨╕╤В╤М ╨║╨▓╨░╨╗╨╕╤Д╨╕╨║╨░╤Ж╨╕╨╛╨╜╨╜╨╛╨╡ ╤Б╨╛╨▒╤Л╤В╨╕╨╡, ╤В╨░╨║╨╛╨╡ ╨║╨░╨║ ╨┐╨╛╤В╨╡╤А╤П ╤А╨░╨▒╨╛╤В╤Л, ╨╕ ╤Б╨╛╨╛╤В╨▓╨╡╤В╤Б╤В╨▓╨╛╨▓╨░╤В╤М ╨╛╨┐╤А╨╡╨┤╨╡╨╗╨╡╨╜╨╜╤Л╨╝ ╨┤╤А╤Г╨│╨╕╨╝ ╨║╨▓╨░╨╗╨╕╤Д╨╕╨║╨░╤Ж╨╕╨╛╨╜╨╜╤Л╨╝ ╤В╤А╨╡╨▒╨╛╨▓╨░╨╜╨╕╤П╨╝.
• ╨н╤В╨░ ╤Б╤В╨░╤В╤М╤П ╨┐╤А╨╡╨┤╨╜╨░╨╖╨╜╨░╤З╨╡╨╜╨░ ╨┤╨╗╤П ╨▓╨╗╨░╨┤╨╡╨╗╤М╤Ж╨╡╨▓ ╨╝╨░╨╗╨╛╨│╨╛ ╨▒╨╕╨╖╨╜╨╡╤Б╨░ ╨╕ ╤Б╨┐╨╡╤Ж╨╕╨░╨╗╨╕╤Б╤В╨╛╨▓ ╨┐╨╛ ╨║╨░╨┤╤А╨░╨╝, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╤Е╨╛╤В╤П╤В ╤Г╨╖╨╜╨░╤В╤М, ╤З╤В╨╛ ╤В╨░╨║╨╛╨╡ COBRA ╨╕ ╤З╤В╨╛ ╨╛╨╜╨╕ ╨┤╨╛╨╗╨╢╨╜╤Л ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╗╤П╤В╤М ╤Б╨▓╨╛╨╕╨╝ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨░╨╝.

╨Ь╨╡╨┤╨╕╤Ж╨╕╨╜╤Б╨║╨╛╨╡ ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╨╡ ╤П╨▓╨╗╤П╨╡╤В╤Б╤П ╨╛╨┤╨╜╨╕╨╝ ╨╕╨╖ ╨╜╨░╨╕╨▒╨╛╨╗╨╡╨╡ ╨▓╨░╨╢╨╜╤Л╤Е ╨┐╤А╨╡╨╕╨╝╤Г╤Й╨╡╤Б╤В╨▓, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╨╕ ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╗╤П╤О╤В ╤А╨░╨▒╨╛╤В╨╜╨╕╨║╨░╨╝. ╨в╨░╨║╨╕╨╝ ╨╛╨▒╤А╨░╨╖╨╛╨╝, ╨╜╨░╨╗╨╕╤З╨╕╨╡ ╤Б╤В╤А╨░╤Е╨╛╨▓╨╛╤З╨╜╨╛╨╣ ╤Б╨╡╤В╨╕ ╨╜╨░ ╤Б╨╗╤Г╤З╨░╨╣ ╨╛╨┐╤А╨╡╨┤╨╡╨╗╨╡╨╜╨╜╤Л╤Е ╤Б╨╛╨▒╤Л╤В╨╕╨╣, ╤В╨░╨║╨╕╤Е ╨║╨░╨║ ╨┐╨╛╤В╨╡╤А╤П ╤А╨░╨▒╨╛╤В╤Л ╨╕╨╗╨╕ ╨▒╨░╨╜╨║╤А╨╛╤В╤Б╤В╨▓╨╛ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤П, ╨╢╨╕╨╖╨╜╨╡╨╜╨╜╨╛ ╨▓╨░╨╢╨╜╨╛ ╨┤╨╗╤П ╨╖╨┤╨╛╤А╨╛╨▓╤М╤П ╨╕ ╨▒╨╗╨░╨│╨╛╨┐╨╛╨╗╤Г╤З╨╕╤П ╨▓╨░╤И╨╕╤Е ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╛╨▓. COBRA тАФ ╤Н╤В╨╛ ╤Д╨╡╨┤╨╡╤А╨░╨╗╤М╨╜╤Л╨╣ ╨╖╨░╨║╨╛╨╜, ╨║╨╛╤В╨╛╤А╤Л╨╣ ╨╛╨▒╨╡╤Б╨┐╨╡╤З╨╕╨▓╨░╨╡╤В ╤Б╤В╤А╨░╤Е╨╛╨▓╨║╤Г ╨┤╨╗╤П ╨╝╨╡╨┤╨╕╤Ж╨╕╨╜╤Б╨║╨╛╨│╨╛ ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╤П. ╨Ш╨╖ ╤Н╤В╨╛╨│╨╛ ╤А╤Г╨║╨╛╨▓╨╛╨┤╤Б╤В╨▓╨░ ╨▓╤Л ╤Г╨╖╨╜╨░╨╡╤В╨╡, ╤З╤В╨╛ ╤В╨░╨║╨╛╨╡ COBRA, ╨║╤В╨╛ ╨╕╨╝╨╡╨╡╤В ╨┐╤А╨░╨▓╨╛ ╨╜╨░ ╤Г╤З╨░╤Б╤В╨╕╨╡ ╨╕ ╤З╤В╨╛ ╨▓╤Л ╨╜╨╡╤Б╨╡╤В╨╡ ╨╛╤В╨▓╨╡╤В╤Б╤В╨▓╨╡╨╜╨╜╨╛╤Б╤В╤М ╨╖╨░ ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╗╨╡╨╜╨╕╨╡ ╤Б╨▓╨╛╨╕╨╝ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨░╨╝.

╨з╤В╨╛ ╤В╨░╨║╨╛╨╡ ╨Ъ╨Ю╨С╨а╨Р ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╨╡?

COBRA, ╤А╨░╤Б╤И╨╕╤Д╤А╨╛╨▓╤Л╨▓╨░╤О╤Й╨╕╨╣╤Б╤П ╨║╨░╨║ ┬л╨Ъ╨╛╨╜╤Б╨╛╨╗╨╕╨┤╨╕╤А╨╛╨▓╨░╨╜╨╜╤Л╨╣ ╤Б╨▓╨╛╨┤╨╜╤Л╨╣ ╨╖╨░╨║╨╛╨╜ ╨╛ ╤Б╨╛╨│╨╗╨░╤Б╨╛╨▓╨░╨╜╨╕╨╕ ╨▒╤О╨┤╨╢╨╡╤В╨░┬╗, ╨┐╤А╨╡╨┤╤Б╤В╨░╨▓╨╗╤П╨╡╤В ╤Б╨╛╨▒╨╛╨╣ ╤Д╨╡╨┤╨╡╤А╨░╨╗╤М╨╜╤Л╨╣ ╨╖╨░╨║╨╛╨╜, ╨┐╤А╨╕╨╜╤П╤В╤Л╨╣ ╨▓ 1985 ╨│., ╨║╨╛╤В╨╛╤А╤Л╨╣ ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╗╤П╨╡╤В ╨┐╤А╨░╨▓╨╛╨╝╨╛╤З╨╜╤Л╨╝ ╤А╨░╨▒╨╛╤В╨╜╨╕╨║╨░╨╝ ╨╕ ╨╕╤Е ╨╕╨╢╨┤╨╕╨▓╨╡╨╜╤Ж╨░╨╝ ╨╝╨╡╨┤╨╕╤Ж╨╕╨╜╤Б╨║╨╛╨╡ ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╨╡ ╨╜╨░ ╤Б╨╗╤Г╤З╨░╨╣, ╨╡╤Б╨╗╨╕ ╤А╨░╨▒╨╛╤В╨╜╨╕╨║ ╨┐╨╛╤В╨╡╤А╤П╨╡╤В ╤А╨░╨▒╨╛╤В╤Г ╨╕╨╗╨╕ ╤Г ╨╜╨╡╨│╨╛ ╨▒╤Г╨┤╨╡╤В ╤Б╨╛╨║╤А╨░╤Й╨╡╨╜╨╛ ╤А╨░╨▒╨╛╤З╨╡╨╡ ╨▓╤А╨╡╨╝╤П. COBRA ╨╜╨╡ ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╗╤П╨╡╤В ╨╜╨╕╨║╨░╨║╨╛╨│╨╛ ╨┤╨╛╨┐╨╛╨╗╨╜╨╕╤В╨╡╨╗╤М╨╜╨╛╨│╨╛ ╨┐╨╛╨║╤А╤Л╤В╨╕╤П, ╤В╨░╨║╨╛╨│╨╛ ╨║╨░╨║ ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╨╡ ╨╜╨░ ╤Б╨╗╤Г╤З╨░╨╣ ╨╕╨╜╨▓╨░╨╗╨╕╨┤╨╜╨╛╤Б╤В╨╕, ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╨╡ ╨╢╨╕╨╖╨╜╨╕ ╨╕╨╗╨╕ ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╨╡ ╨╜╨░ ╤Б╨╗╤Г╤З╨░╨╣ ╨▒╨╛╨╗╤М╨╜╨╕╤З╨╜╨╛╨│╨╛ ╤Г╤Е╨╛╨┤╨░. COBRA ╨╝╨╛╨╢╨╡╤В ╨▒╤Л╤В╤М ╨┐╤А╨╡╨┤╨╗╨╛╨╢╨╡╨╜╨░ ╨▓╨╝╨╡╤Б╤В╨╡ ╤Б ╨┤╤А╤Г╨│╨╕╨╝╨╕ ╨▓╤Л╤Е╨╛╨┤╨╜╤Л╨╝╨╕ ╨┐╨╛╤Б╨╛╨▒╨╕╤П╨╝╨╕. (╨з╨╕╤В╨░╤В╤М ╤Б╨╛╨╛╤В╨▓╨╡╤В╤Б╤В╨▓╤Г╤О╤Й╤Г╤О ╤Б╤В╨░╤В╤М╤О: ╨Ъ╨░╨║ ╨┐╤А╨╡╨┤╨╗╨╛╨╢╨╕╤В╤М ╨╝╨╡╨┤╨╕╤Ж╨╕╨╜╤Б╨║╤Г╤О ╤Б╤В╤А╨░╤Е╨╛╨▓╨║╤Г ╤Б╨▓╨╛╨╕╨╝ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨░╨╝)

┬л╨У╨╛╨▓╨╛╤А╤П ╨┐╨╛╨▓╤Б╨╡╨┤╨╜╨╡╨▓╨╜╤Л╨╝ ╤П╨╖╤Л╨║╨╛╨╝, COBRA тАФ ╤Н╤В╨╛ ╨│╨╛╤Б╤Г╨┤╨░╤А╤Б╤В╨▓╨╡╨╜╨╜╨░╤П ╨┐╤А╨╛╨│╤А╨░╨╝╨╝╨░, ╨║╨╛╤В╨╛╤А╨░╤П ╨│╨░╤А╨░╨╜╤В╨╕╤А╤Г╨╡╤В, ╤З╤В╨╛ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╕, ╨┤╨░╨╢╨╡ ╨┐╨╛╤Б╨╗╨╡ ╤В╨╛╨│╨╛, ╨║╨░╨║ ╨╛╨╜╨╕ ╤Г╨▓╨╛╨╗╤П╤В╤Б╤П ╤Б ╤А╨░╨▒╨╛╤В╤Л, ╨╝╨╛╨│╤Г╤В ╨┐╤А╨╛╨┤╨╛╨╗╨╢╨░╤В╤М ╤Б╨┐╨╛╨╜╤Б╨╕╤А╤Г╨╡╨╝╤Г╤О ╨╕╤Е ╨║╨╛╨╝╨┐╨░╨╜╨╕╨╡╨╣ ╨┐╤А╨╛╨│╤А╨░╨╝╨╝╤Г ╨╖╨┤╤А╨░╨▓╨╛╨╛╤Е╤А╨░╨╜╨╡╨╜╨╕╤П┬╗, тАФ ╤Б╨║╨░╨╖╨░╨╗╨░ ╨Ы╨░╤Г╤А╨░ ╨е╤Н╨╜╨┤╤А╨╕╨║, ╤Б╨┐╨╡╤Ж╨╕╨░╨╗╨╕╤Б╤В ╨┐╨╛ ╨┐╨╡╤А╤Б╨╛╨╜╨░╨╗╤Г ╨▓ Choose Therapy.

╨Ъ╨░╨║ ╤А╨░╨▒╨╛╤В╨░╨╡╤В ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╨╡ COBRA?

╨Ю╤Б╨╜╨╛╨▓╨╜╨╛╨╣ ╤Ж╨╡╨╗╤М╤О COBRA ╤П╨▓╨╗╤П╨╡╤В╤Б╤П ╤А╨░╤Б╤И╨╕╤А╨╡╨╜╨╕╨╡ ╨╝╨╡╨┤╨╕╤Ж╨╕╨╜╤Б╨║╨╛╨│╨╛ ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╤П ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╛╨▓, ╨║╨╛╨│╨┤╨░ ╨╛╨╜╨╕ ╨▒╨╛╨╗╤М╤И╨╡ ╨╜╨╡ ╨╕╨╝╨╡╤О╤В ╨┐╤А╨░╨▓╨░ ╨╜╨░ ╤Г╤З╨░╤Б╤В╨╕╨╡ ╨▓ ╨┐╨╗╨░╨╜╨╡ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤П. ╨Т╨╛╤В ╨║╨░╨║ COBRA ╤А╨░╨▒╨╛╤В╨░╨╡╤В ╤Б ╤В╨╛╤З╨║╨╕ ╨╖╤А╨╡╨╜╨╕╤П ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨░:

1. ╨Т╨░╤И ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤М, ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╤П ╨║╨╛╨╝╨┐╨░╨╜╨╕╤П ╨╕╨╗╨╕ ╨╕ ╤В╨╡, ╨╕ ╨┤╤А╤Г╨│╨╕╨╡ ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╤П╤В ╨▓╨░╨╝ ╨╕╨╜╤Д╨╛╤А╨╝╨░╤Ж╨╕╤О ╨╛ ╤Б╤В╤А╨░╤Е╨╛╨▓╨╛╨╝ ╨┐╨╛╨║╤А╤Л╤В╨╕╨╕ COBRA, ╨║╨╛╨│╨┤╨░ ╨▓╤Л ╨▓╨┐╨╡╤А╨▓╤Л╨╡ ╨╖╨░╤А╨╡╨│╨╕╤Б╤В╤А╨╕╤А╤Г╨╡╤В╨╡╤Б╤М ╨▓ ╨┐╨╗╨░╨╜╨╡ ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╤П.
2. ╨г ╨▓╨░╤Б ╨╡╤Б╤В╤М ╨┤╨╛ 60 ╨┤╨╜╨╡╨╣ ╨┐╨╛╤Б╨╗╨╡ ╨║╨▓╨░╨╗╨╕╤Д╨╕╨║╨░╤Ж╨╕╨╛╨╜╨╜╨╛╨│╨╛ ╤Б╨╛╨▒╤Л╤В╨╕╤П, ╤З╤В╨╛╨▒╤Л ╤А╨╡╤И╨╕╤В╤М, ╤Е╨╛╤В╨╕╤В╨╡ ╨╗╨╕ ╨▓╤Л ╨┐╤А╨╛╨┤╨╛╨╗╨╢╨╕╤В╤М ╤Б╤В╤А╨░╤Е╨╛╨▓╨╛╨╡ ╨┐╨╛╨║╤А╤Л╤В╨╕╨╡ ╨▓ ╤А╨░╨╝╨║╨░╤Е COBRA. ╨Х╤Б╨╗╨╕ ╨▓╤Л ╤А╨╡╤И╨╕╤В╨╡ ╤Н╤В╨╛╨│╨╛ ╨╜╨╡ ╨┤╨╡╨╗╨░╤В╤М, ╤Б╤А╨╛╨║ ╨┤╨╡╨╣╤Б╤В╨▓╨╕╤П ╨▓╨░╤И╨╡╨│╨╛ ╨╝╨╡╨┤╨╕╤Ж╨╕╨╜╤Б╨║╨╛╨│╨╛ ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╤П ╨╕╤Б╤В╨╡╨║╨░╨╡╤В ╨▓ ╤В╨╛╤В ╨╢╨╡ ╨┤╨╡╨╜╤М, ╨║╨╛╨│╨┤╨░ ╨┐╤А╨╡╨║╤А╨░╤Й╨░╨╡╤В╤Б╤П ╨┤╨╡╨╣╤Б╤В╨▓╨╕╨╡ ╨┐╨╗╨░╨╜╨░ ╨▓╨░╤И╨╡╨│╨╛ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤П.
3. ╨Х╤Б╨╗╨╕ ╨▓╤Л ╤А╨╡╤И╨╕╤В╨╡ ╨┐╤А╨╛╨┤╨╛╨╗╨╢╨╕╤В╤М ╤Б╤В╤А╨░╤Е╨╛╨▓╨╛╨╡ ╨┐╨╛╨║╤А╤Л╤В╨╕╨╡, ╨╛╨╜╨╛ ╨╜╨░╤З╨╜╨╡╤В╤Б╤П ╨▓ ╤В╨╛╤В ╨╢╨╡ ╨┤╨╡╨╜╤М, ╨║╨╛╨│╨┤╨░ ╨╖╨░╨║╨╛╨╜╤З╨╕╤В╤Б╤П ╤Б╤В╤А╨░╤Е╨╛╨▓╨╛╨╡ ╨┐╨╛╨║╤А╤Л╤В╨╕╨╡ ╨▓╨░╤И╨╡╨│╨╛ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤П, ╨╕ ╨▒╤Г╨┤╨╡╤В ╨┐╤А╨╡╨┤╨╗╨░╨│╨░╤В╤М ╤В╨╡ ╨╢╨╡ ╨╗╤М╨│╨╛╤В╤Л, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╨▒╤Л╨╗╨╕ ╤Г ╨▓╨░╤Б ╨▓ ╤А╨░╨╝╨║╨░╤Е ╨┐╨╗╨░╨╜╨░ ╨▓╨░╤И╨╡╨│╨╛ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤П. ╨Ч╨░╤В╨╡╨╝ ╤Г ╨▓╨░╤Б ╨╡╤Б╤В╤М 45 ╨┤╨╜╨╡╨╣, ╤З╤В╨╛╨▒╤Л ╨╛╤В╨┐╤А╨░╨▓╨╕╤В╤М ╤Б╨▓╨╛╨╣ ╨┐╨╡╤А╨▓╤Л╨╣ ╨╡╨╢╨╡╨╝╨╡╤Б╤П╤З╨╜╤Л╨╣ ╨┐╤А╨╡╨╝╨╕╨░╨╗╤М╨╜╤Л╨╣ ╨┐╨╗╨░╤В╨╡╨╢.
4. ╨Т ╨╖╨░╨▓╨╕╤Б╨╕╨╝╨╛╤Б╤В╨╕ ╨╛╤В ╨▓╨░╤И╨╡╨│╨╛ ╨║╨▓╨░╨╗╨╕╤Д╨╕╨║╨░╤Ж╨╕╨╛╨╜╨╜╨╛╨│╨╛ ╤Б╨╛╨▒╤Л╤В╨╕╤П ╨╕ ╨╛╨▒╤Б╤В╨╛╤П╤В╨╡╨╗╤М╤Б╤В╨▓, ╨▓╨░╤И╨░ ╤Б╤В╤А╨░╤Е╨╛╨▓╨║╨░ COBRA ╨┐╤А╨╛╨┤╨╗╨╕╤В╤Б╤П ╨╜╨╡ ╨╝╨╡╨╜╨╡╨╡ 18 ╨╝╨╡╤Б╤П╤Ж╨╡╨▓, ╨▓╨╛╨╖╨╝╨╛╨╢╨╜╨╛, ╨┤╨╛ ╤В╤А╨╡╤Е ╨╗╨╡╤В.
5. ╨Т╨░╤И╨░ ╤Б╤В╤А╨░╤Е╨╛╨▓╨║╨░ COBRA ╨╝╨╛╨╢╨╡╤В ╨▒╤Л╤В╤М ╨┐╤А╨╡╨║╤А╨░╤Й╨╡╨╜╨░ ╨┤╨╛╤Б╤А╨╛╤З╨╜╨╛, ╨╡╤Б╨╗╨╕ ╨▓╤Л ╨╜╨╡ ╨▒╤Г╨┤╨╡╤В╨╡ ╨┐╨╗╨░╤В╨╕╤В╤М ╤Б╤В╤А╨░╤Е╨╛╨▓╤Л╨╡ ╨▓╨╖╨╜╨╛╤Б╤Л ╨╕ ╨▓╨╖╨╜╨╛╤Б╤Л ╨╕╨╗╨╕ ╨╡╤Б╨╗╨╕ ╨▓╤Л ╤Г╤Б╤В╤А╨╛╨╕╤В╨╡╤Б╤М ╨╜╨░ ╨┤╤А╤Г╨│╤Г╤О ╤А╨░╨▒╨╛╤В╤Г, ╨┐╤А╨╡╨┤╨┐╨╛╨╗╨░╨│╨░╤О╤Й╤Г╤О ╨╝╨╡╨┤╨╕╤Ж╨╕╨╜╤Б╨║╤Г╤О ╤Б╤В╤А╨░╤Е╨╛╨▓╨║╤Г, ╨┤╨╛ ╤В╨╛╨│╨╛, ╨║╨░╨║ ╨▓╨░╤И╨░ ╤Б╤В╤А╨░╤Е╨╛╨▓╨║╨░ COBRA ╨╖╨░╨║╨╛╨╜╤З╨╕╤В╤Б╤П.

┬л╨Ъ╨░╨║ ╨┐╤А╨░╨▓╨╕╨╗╨╛, ╨┐╨╛╤Б╨╗╨╡ ╤В╨╛╨│╨╛, ╨║╨░╨║ COBRA ╨╛╤В╨╝╨╡╨╜╤П╨╡╤В╤Б╤П (╨╕╨╗╨╕ ╨╛╤В╨║╨╗╨╛╨╜╤П╨╡╤В╤Б╤П), ╨╛╨╜╨░ ╨╜╨╡ ╨╝╨╛╨╢╨╡╤В ╨▒╤Л╤В╤М ╨▓╨╛╤Б╤Б╤В╨░╨╜╨╛╨▓╨╗╨╡╨╜╨░ тАЛтАЛ(╨╕╨╗╨╕ ╨┐╤А╨╕╨╜╤П╤В╨░) ╨┤╨╗╤П ╤Н╤В╨╛╨│╨╛ ╨▒╤Л╨▓╤И╨╡╨│╨╛ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨░ ╤Б ╤Н╤В╨╕╨╝ ╨▒╤Л╨▓╤И╨╕╨╝ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╨╡╨╝ ╨┐╨╛ ╤В╨╛╨╝╤Г ╨╢╨╡ ╤Б╨╛╨▒╤Л╤В╨╕╤О, ╨║╨╛╤В╨╛╤А╨╛╨╡ ╨▓ ╨┐╨╡╤А╨▓╤Г╤О ╨╛╤З╨╡╤А╨╡╨┤╤М ╨▓╤Л╨╖╨▓╨░╨╗╨╛ COBRA┬╗, тАФ ╤Б╨║╨░╨╖╨░╨╗ ╨Ь╨░╨╣╨║╨╗ ╨в╤А╨░╤Б╤В, ╨┤╨╕╤А╨╡╨║╤В╨╛╤А ╨┐╨╛ ╨┐╨╡╤А╤Б╨╛╨╜╨░╨╗╤Г GNA. . ┬л╨Э╨╡╤В ╤В╤А╨╡╨▒╨╛╨▓╨░╨╜╨╕╤П, ╤З╤В╨╛╨▒╤Л ╨▒╤Л╨▓╤И╨╕╨╣ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║ ╨▓╤Л╨▒╨╕╤А╨░╨╗ COBRA┬╗.

╨з╤В╨╛ ╤В╨░╨║╨╛╨╡ ╨║╨▓╨░╨╗╨╕╤Д╨╕╨║╨░╤Ж╨╕╨╛╨╜╨╜╤Л╨╡ ╤Б╨╛╤А╨╡╨▓╨╜╨╛╨▓╨░╨╜╨╕╤П COBRA?

COBRA ╤Г╨╜╨╕╨║╨░╨╗╤М╨╜╨░ ╤В╨╡╨╝, ╤З╤В╨╛ ╨╡╨╡ ╨╝╨╛╨╢╨╜╨╛ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╤М ╤В╨╛╨╗╤М╨║╨╛ ╨▓ ╨╛╨┐╤А╨╡╨┤╨╡╨╗╨╡╨╜╨╜╤Л╤Е ╤Б╨╕╤В╤Г╨░╤Ж╨╕╤П╤Е, ╨╜╨░╨╖╤Л╨▓╨░╨╡╨╝╤Л╤Е ┬л╨║╨▓╨░╨╗╨╕╤Д╨╕╨║╨░╤Ж╨╕╨╛╨╜╨╜╤Л╨╝╨╕ ╤Б╨╛╨▒╤Л╤В╨╕╤П╨╝╨╕┬╗.

╨Э╨╕╨╢╨╡ ╨┐╤А╨╕╨▓╨╡╨┤╨╡╨╜╤Л ╨║╨▓╨░╨╗╨╕╤Д╨╕╨║╨░╤Ж╨╕╨╛╨╜╨╜╤Л╨╡ ╤Б╨╛╨▒╤Л╤В╨╕╤П, ╨┐╤А╨╕ ╨║╨╛╤В╨╛╤А╤Л╤Е ╨▓╤Л ╨╝╨╛╨╢╨╡╤В╨╡ ╨┐╤А╨╡╨║╤А╨░╤В╨╕╤В╤М ╨▓╤Л╨┐╨╗╨░╤В╤Г ╨▓╨╛╨╖╨╜╨░╨│╤А╨░╨╢╨┤╨╡╨╜╨╕╨╣ ╤А╨░╨▒╨╛╤В╨╜╨╕╨║╨░╨╝:

• ╨Я╨╛╤В╨╡╤А╤П ╤А╨░╨▒╨╛╤В╤Л (╤Г╨▓╨╛╨╗╤М╨╜╨╡╨╜╨╕╨╡ ╨╕╨╗╨╕ ╤Г╨▓╨╛╨╗╤М╨╜╨╡╨╜╨╕╨╡ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╛╨▓ ╨╕╨╗╨╕ ╤Г╨▓╨╛╨╗╨╕╨▓╤И╨╕╤Е╤Б╤П ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╛╨▓)
• ╨Ч╨╜╨░╤З╨╕╤В╨╡╨╗╤М╨╜╨╛╨╡ ╤Б╨╛╨║╤А╨░╤Й╨╡╨╜╨╕╨╡ ╤А╨░╨▒╨╛╤З╨╡╨│╨╛ ╨▓╤А╨╡╨╝╨╡╨╜╨╕
• ╨С╨░╨╜╨║╤А╨╛╤В╤Б╤В╨▓╨╛ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤П
• ╨б╨╛╨║╤А╨░╤Й╨╡╨╜╨╕╨╡ ╤И╤В╨░╤В╨░ ╨┤╨╛ ╨╝╨╡╨╜╨╡╨╡ 20 ╤И╤В╨░╤В╨╜╤Л╤Е ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╛╨▓

╨Ъ╨▓╨░╨╗╨╕╤Д╨╕╨║╨░╤Ж╨╕╨╛╨╜╨╜╤Л╨╡ ╨╝╨╡╤А╨╛╨┐╤А╨╕╤П╤В╨╕╤П ╨┤╨╗╤П ╤Б╤Г╨┐╤А╤Г╨│╨╛╨▓ ╨▓╨║╨╗╤О╤З╨░╤О╤В ╤Б╨╗╨╡╨┤╤Г╤О╤Й╨╡╨╡:

• ╨Я╨╛╤В╨╡╤А╤П ╤А╨░╨▒╨╛╤В╤Л ╨┤╨╗╤П ╨╖╨░╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╜╨╛╨│╨╛ ╤А╨░╨▒╨╛╤В╨╜╨╕╨║╨░
• ╨б╨╛╨║╤А╨░╤Й╨╡╨╜╨╕╨╡ ╤А╨░╨▒╨╛╤З╨╡╨│╨╛ ╨▓╤А╨╡╨╝╨╡╨╜╨╕ ╨┤╨╗╤П ╨╖╨░╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╜╨╛╨│╨╛ ╤А╨░╨▒╨╛╤В╨╜╨╕╨║╨░
• ╨Ч╨░╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╜╤Л╨╣ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║ ╨┐╨╛╨╗╤Г╤З╨░╨╡╤В ╨┐╤А╨░╨▓╨╛ ╨╜╨░ ╤Г╤З╨░╤Б╤В╨╕╨╡ ╨▓ ╨┐╤А╨╛╨│╤А╨░╨╝╨╝╨╡ Medicare
• ╨а╨░╨╖╨▓╨╛╨┤ ╨╕╨╗╨╕ ╤О╤А╨╕╨┤╨╕╤З╨╡╤Б╨║╨╛╨╡ ╤А╨░╨╖╨┤╨╡╨╗╨╡╨╜╨╕╨╡ ╤Б ╨╖╨░╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╜╤Л╨╝ ╤А╨░╨▒╨╛╤В╨╜╨╕╨║╨╛╨╝
• ╨б╨╝╨╡╤А╤В╤М ╨╖╨░╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╜╨╛╨│╨╛ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨░

╨н╤В╨╛ ╨║╨▓╨░╨╗╨╕╤Д╨╕╨║╨░╤Ж╨╕╨╛╨╜╨╜╤Л╨╡ ╨╝╨╡╤А╨╛╨┐╤А╨╕╤П╤В╨╕╤П ╨┤╨╗╤П ╨┤╨╡╤В╨╡╨╣-╨╕╨╢╨┤╨╕╨▓╨╡╨╜╤Ж╨╡╨▓:

• ╨Я╨╛╤В╨╡╤А╤П ╤Б╤В╨░╤В╤Г╤Б╨░ ╤А╨╡╨▒╨╡╨╜╨║╨░-╨╕╨╢╨┤╨╕╨▓╨╡╨╜╤Ж╨░ ╨┐╨╛ ╨┤╨╡╨╣╤Б╤В╨▓╤Г╤О╤Й╨╡╨╝╤Г ╤Б╤В╤А╨░╤Е╨╛╨▓╨╛╨╝╤Г ╨┐╨╗╨░╨╜╤Г
• ╨Я╨╛╤В╨╡╤А╤П ╤А╨░╨▒╨╛╤В╤Л ╨┤╨╗╤П ╨╖╨░╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╜╨╛╨│╨╛ ╤А╨░╨▒╨╛╤В╨╜╨╕╨║╨░
• ╨б╨╛╨║╤А╨░╤Й╨╡╨╜╨╕╨╡ ╤А╨░╨▒╨╛╤З╨╡╨│╨╛ ╨▓╤А╨╡╨╝╨╡╨╜╨╕ ╨┤╨╗╤П ╨╖╨░╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╜╨╛╨│╨╛ ╤А╨░╨▒╨╛╤В╨╜╨╕╨║╨░
• ╨Ч╨░╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╜╤Л╨╣ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║ ╨┐╨╛╨╗╤Г╤З╨░╨╡╤В ╨┐╤А╨░╨▓╨╛ ╨╜╨░ ╤Г╤З╨░╤Б╤В╨╕╨╡ ╨▓ ╨┐╤А╨╛╨│╤А╨░╨╝╨╝╨╡ Medicare
• ╨а╨░╨╖╨▓╨╛╨┤ ╨╕╨╗╨╕ ╤О╤А╨╕╨┤╨╕╤З╨╡╤Б╨║╨╛╨╡ ╤А╨░╨╖╨┤╨╡╨╗╤М╨╜╨╛╨╡ ╨┐╤А╨╛╨╢╨╕╨▓╨░╨╜╨╕╨╡ ╨╖╨░╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╜╨╛╨│╨╛ ╤А╨░╨▒╨╛╤В╨╜╨╕╨║╨░
• ╨б╨╝╨╡╤А╤В╤М ╨╖╨░╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╜╨╛╨│╨╛ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨░

╨е╨╛╤В╤П COBRA ╨╝╨╛╨╢╨╡╤В ╤Б╨╗╤Г╨╢╨╕╤В╤М ╤Б╤В╤А╨░╤Е╨╛╨▓╨║╨╛╨╣ ╨▓ тАЛтАЛ╤В╨░╨║╨╕╤Е ╤Б╨╕╤В╤Г╨░╤Ж╨╕╤П╤Е, ╨╛╨╜╨░, ╨║╨░╨║ ╨┐╤А╨░╨▓╨╕╨╗╨╛, ╨╜╨░╨╝╨╜╨╛╨│╨╛ ╨┤╨╛╤А╨╛╨╢╨╡, ╤З╨╡╨╝ ╨╛╨▒╤Л╤З╨╜╤Л╨╣ ╨┐╨╗╨░╨╜ ╨╝╨╡╨┤╨╕╤Ж╨╕╨╜╤Б╨║╨╛╨│╨╛ ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╤П. ╨н╤В╨╛ ╤Б╨▓╤П╨╖╨░╨╜╨╛ ╤Б ╤В╨╡╨╝, ╤З╤В╨╛ ╨┐╨╛╨╗╤Г╤З╨░╤В╨╡╨╗╤М ╨╜╨╡╤Б╨╡╤В ╨╛╤В╨▓╨╡╤В╤Б╤В╨▓╨╡╨╜╨╜╨╛╤Б╤В╤М ╨╖╨░ ╨╛╨┐╨╗╨░╤В╤Г 100% ╤А╨░╤Б╤Е╨╛╨┤╨╛╨▓ ╨╜╨░ ╨┐╨╗╨░╨╜ ╨╝╨╡╨┤╨╕╤Ж╨╕╨╜╤Б╨║╨╛╨│╨╛ ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╤П, ╤В╨╛╨│╨┤╨░ ╨║╨░╨║ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤М, ╨▓╨╡╤А╨╛╤П╤В╨╜╨╛, ╨┐╨╛╨║╤А╤Л╨╗ ╤З╨░╤Б╤В╤М ╤А╨░╤Б╤Е╨╛╨┤╨╛╨▓ ╨┤╨╛ ╨║╨▓╨░╨╗╨╕╤Д╨╕╨║╨░╤Ж╨╕╨╛╨╜╨╜╨╛╨│╨╛ ╤Б╨╛╨▒╤Л╤В╨╕╤П. ╨Я╨╛╨╗╤Г╤З╨░╤В╨╡╨╗╤М COBRA ╤В╨░╨║╨╢╨╡ ╨╜╨╡╤Б╨╡╤В ╨╛╤В╨▓╨╡╤В╤Б╤В╨▓╨╡╨╜╨╜╨╛╤Б╤В╤М ╨╖╨░ ╨░╨┤╨╝╨╕╨╜╨╕╤Б╤В╤А╨░╤В╨╕╨▓╨╜╤Л╨╣ ╤Б╨▒╨╛╤А ╨▓ ╤А╨░╨╖╨╝╨╡╤А╨╡ 2%.

┬л╨Р╨┤╨╝╨╕╨╜╨╕╤Б╤В╤А╨░╤В╨╕╨▓╨╜╤Л╨╣ ╤Б╨▒╨╛╤А ╨▓ ╤А╨░╨╖╨╝╨╡╤А╨╡ 2% ╨┐╤А╨╡╨┤╨╜╨░╨╖╨╜╨░╤З╨╡╨╜ ╨┤╨╗╤П ╨║╨╛╨╝╨┐╨╡╨╜╤Б╨░╤Ж╨╕╨╕ ╤А╨░╤Б╤Е╨╛╨┤╨╛╨▓ ╨╜╨░ ╨░╨┤╨╝╨╕╨╜╨╕╤Б╤В╤А╨╕╤А╨╛╨▓╨░╨╜╨╕╨╡ ╨┐╤А╨╛╨│╤А╨░╨╝╨╝╤Л┬╗, тАФ ╤Б╨║╨░╨╖╨░╨╗ ╨в╤А╨░╤Б╤В. ┬л╨а╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤М ╨╜╨╕╤З╨╡╨│╨╛ ╨╜╨╡ ╨┐╨╗╨░╤В╨╕╤В, ╨╡╤Б╨╗╨╕ ╤В╨╛╨╗╤М╨║╨╛ ╨╛╨╜ ╨╜╨╡ ╤А╨╡╤И╨╕╤В ╨╛╤В╨║╨░╨╖╨░╤В╤М╤Б╤П ╨╛╤В 2% ╨║╨╛╨╝╨╕╤Б╤Б╨╕╨╕┬╗.

╨Ъ╤В╨╛ ╨╕╨╝╨╡╨╡╤В ╨┐╤А╨░╨▓╨╛ ╨╜╨░ ╨╝╨╡╨┤╨╕╤Ж╨╕╨╜╤Б╨║╨╛╨╡ ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╨╡ COBRA?

╨Т╨░╤И╨╡ ╨║╨▓╨░╨╗╨╕╤Д╨╕╨║╨░╤Ж╨╕╨╛╨╜╨╜╨╛╨╡ ╨╝╨╡╤А╨╛╨┐╤А╨╕╤П╤В╨╕╨╡ ╨╛╨┐╤А╨╡╨┤╨╡╨╗╨╕╤В ╨▓╨░╤И╨╡ ╨┐╤А╨░╨▓╨╛ ╨╜╨░ ╤Г╤З╨░╤Б╤В╨╕╨╡ ╨╕ ╤Б╤А╨╛╨║ ╨┤╨╡╨╣╤Б╤В╨▓╨╕╤П ╤Б╤В╤А╨░╤Е╨╛╨▓╨║╨╕ COBRA.

╨Т╨╛╤В ╨║╨▓╨░╨╗╨╕╤Д╨╕╨║╨░╤Ж╨╕╨╛╨╜╨╜╤Л╨╡ ╤В╤А╨╡╨▒╨╛╨▓╨░╨╜╨╕╤П ╨║ ╤А╨░╨▒╨╛╤В╨╜╨╕╨║╨░╨╝:

• ╨Т╤Л ╨▒╤Л╨╗╨╕ ╤В╤А╤Г╨┤╨╛╤Г╤Б╤В╤А╨╛╨╡╨╜╤Л ╨╕ ╨╖╨░╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╤Л ╨┐╨╛ ╨╝╨╡╨┤╨╕╤Ж╨╕╨╜╤Б╨║╨╛╨╝╤Г ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╤О ╨▓╨░╤И╨╡╨│╨╛ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤П.
• ╨б╤В╤А╨░╤Е╨╛╨▓╨╛╨╣ ╨┐╨╗╨░╨╜ ╨┤╨╡╨╣╤Б╤В╨▓╨╛╨▓╨░╨╗ ╨▒╨╛╨╗╨╡╨╡ 50% ╤А╨░╨▒╨╛╤З╨╕╤Е ╨┤╨╜╨╡╨╣ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤П ╨▓ ╨┐╤А╨╡╨┤╤Л╨┤╤Г╤Й╨╡╨╝ ╨│╨╛╨┤╤Г.
• ╨Т╤Л ╨▒╤Л╨╗╨╕ ╤Г╨▓╨╛╨╗╨╡╨╜╤Л ╨╕╨╗╨╕ ╤Г╨▓╨╛╨╗╨╡╨╜╤Л, ╨▓╤Л╤И╨╗╨╕ ╨╜╨░ ╨┐╨╡╨╜╤Б╨╕╤О, ╤Г╨▓╨╛╨╗╨╕╨╗╨╕╤Б╤М, ╨╕╨╗╨╕ ╨▓╨░╤И ╤А╨░╨▒╨╛╤З╨╕╨╣ ╨┤╨╡╨╜╤М ╨▒╤Л╨╗ ╤Б╨╛╨║╤А╨░╤Й╨╡╨╜ ╨┤╨╛ ╤В╨░╨║╨╛╨╣ ╤Б╤В╨╡╨┐╨╡╨╜╨╕, ╤З╤В╨╛ ╨▓╨░╤И ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤М ╨▒╨╛╨╗╤М╤И╨╡ ╨╜╨╡ ╨╛╨▒╤П╨╖╨░╨╜ ╨┐╨╛╨║╤А╤Л╨▓╨░╤В╤М ╨▓╨░╤Б ╨┐╨╛ ╤Б╤В╤А╨░╤Е╨╛╨▓╨╛╨╝╤Г ╨┐╨╗╨░╨╜╤Г ╨║╨╛╨╝╨┐╨░╨╜╨╕╨╕.

╨Т╨╛╤В ╨▓╨╛╨╖╨╝╨╛╨╢╨╜╤Л╨╡ ╨║╨▓╨░╨╗╨╕╤Д╨╕╨║╨░╤Ж╨╕╨╛╨╜╨╜╤Л╨╡ ╤В╤А╨╡╨▒╨╛╨▓╨░╨╜╨╕╤П ╨┤╨╗╤П ╨╕╨╢╨┤╨╕╨▓╨╡╨╜╤Ж╨╡╨▓:

• ╨Т╤Л ╤П╨▓╨╗╤П╨╡╤В╨╡╤Б╤М ╨╕╨╢╨┤╨╕╨▓╨╡╨╜╤Ж╨╡╨╝ ╨║╨▓╨░╨╗╨╕╤Д╨╕╤Ж╨╕╤А╨╛╨▓╨░╨╜╨╜╨╛╨│╨╛ ╤А╨░╨▒╨╛╤В╨╜╨╕╨║╨░.
• ╨Т╤Л ╤П╨▓╨╗╤П╨╡╤В╨╡╤Б╤М ╤Б╤Г╨┐╤А╤Г╨│╨╛╨╣ ╨║╨▓╨░╨╗╨╕╤Д╨╕╤Ж╨╕╤А╨╛╨▓╨░╨╜╨╜╨╛╨│╨╛ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨░, ╨║╨╛╤В╨╛╤А╤Л╨╣ ╤А╨░╨╖╨▓╨╛╨┤╨╕╤В╤Б╤П ╨╕╨╗╨╕ ╤О╤А╨╕╨┤╨╕╤З╨╡╤Б╨║╨╕ ╨┐╤А╨╛╨╢╨╕╨▓╨░╨╡╤В ╨╛╤В╨┤╨╡╨╗╤М╨╜╨╛ ╨╛╤В ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨░.
• ╨Т╤Л ╤П╨▓╨╗╤П╨╡╤В╨╡╤Б╤М ╤Б╤Г╨┐╤А╤Г╨│╨╛╨╣ ╨║╨▓╨░╨╗╨╕╤Д╨╕╤Ж╨╕╤А╨╛╨▓╨░╨╜╨╜╨╛╨│╨╛ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨░, ╨║╨╛╤В╨╛╤А╤Л╨╣ ╤Г╨╝╨╕╤А╨░╨╡╤В.

COBRA ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╗╤П╨╡╤В ╨╛╤В╨▓╨╡╤З╨░╤О╤Й╨╕╨╝ ╤В╤А╨╡╨▒╨╛╨▓╨░╨╜╨╕╤П╨╝ ╤А╨░╨▒╨╛╤В╨╜╨╕╨║╨░╨╝ ╨╕ ╨╕╤Е ╨╕╨╢╨┤╨╕╨▓╨╡╨╜╤Ж╨░╨╝ ╨╝╨╡╨┤╨╕╤Ж╨╕╨╜╤Б╨║╨╛╨╡ ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╨╡ ╨╜╨░ ╤Б╨╗╤Г╤З╨░╨╣ ╨┐╨╛╤В╨╡╤А╨╕ ╤А╨░╨▒╨╛╤В╨╜╨╕╨║╨╛╨╝ ╤А╨░╨▒╨╛╤В╤Л ╨╕╨╗╨╕ ╤Б╨╛╨║╤А╨░╤Й╨╡╨╜╨╕╤П ╤А╨░╨▒╨╛╤З╨╡╨│╨╛ ╨▓╤А╨╡╨╝╨╡╨╜╨╕.

╨Ф╨╛╨╗╨╢╨╜╤Л ╨╗╨╕ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╨╕ ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╗╤П╤В╤М COBRA?

╨а╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╨╕ ╤Б 20 ╨╕╨╗╨╕ ╨▒╨╛╨╗╨╡╨╡ ╤И╤В╨░╤В╨╜╤Л╨╝╨╕ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨░╨╝╨╕ ╨╛╨▒╤П╨╖╨░╨╜╤Л ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╕╤В╤М ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨░╨╝ ╨▓╨╛╨╖╨╝╨╛╨╢╨╜╨╛╤Б╤В╤М ╨┐╨╛╨╗╤Г╤З╨╕╤В╤М ╤Б╤В╤А╨░╤Е╨╛╨▓╨╛╨╡ ╨┐╨╛╨║╤А╤Л╤В╨╕╨╡ COBRA. ╨а╨░╨▒╨╛╤З╨╡╨╡ ╨▓╤А╨╡╨╝╤П ╨╜╨╡╤Б╨║╨╛╨╗╤М╨║╨╕╤Е ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╛╨▓, ╤А╨░╨▒╨╛╤В╨░╤О╤Й╨╕╤Е ╨╜╨╡╨┐╨╛╨╗╨╜╤Л╨╣ ╤А╨░╨▒╨╛╤З╨╕╨╣ ╨┤╨╡╨╜╤М, ╨╝╨╛╨╢╨╡╤В ╨▒╤Л╤В╤М ╤Б╨│╤А╤Г╨┐╨┐╨╕╤А╨╛╨▓╨░╨╜╨╛ ╨▓╨╝╨╡╤Б╤В╨╡, ╤З╤В╨╛╨▒╤Л ╤А╨░╨▓╨╜╤П╤В╤М╤Б╤П ╨╛╨┤╨╜╨╛╨╝╤Г ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╤Г, ╤А╨░╨▒╨╛╤В╨░╤О╤Й╨╡╨╝╤Г ╨┐╨╛╨╗╨╜╤Л╨╣ ╤А╨░╨▒╨╛╤З╨╕╨╣ ╨┤╨╡╨╜╤М, ╨┐╤А╨╕ ╨╛╨┐╤А╨╡╨┤╨╡╨╗╨╡╨╜╨╕╨╕ ╨┐╤А╨╕╨╝╨╡╨╜╨╕╨╝╨╛╤Б╤В╨╕ COBRA ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤П.

COBRA ╨┐╤А╨╕╨╝╨╡╨╜╤П╨╡╤В╤Б╤П ╨║ ╨╗╤О╨▒╤Л╨╝ ╨┐╨╗╨░╨╜╨░╨╝ ╨╝╨╡╨┤╨╕╤Ж╨╕╨╜╤Б╨║╨╛╨│╨╛ ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╤П, ╨┐╤А╨╡╨┤╨╗╨░╨│╨░╨╡╨╝╤Л╨╝ ╤З╨░╤Б╤В╨╜╤Л╨╝ ╤Б╨╡╨║╤В╨╛╤А╨╛╨╝, ╨│╨╛╤Б╤Г╨┤╨░╤А╤Б╤В╨▓╨╡╨╜╨╜╤Л╨╝╨╕ ╨╕╨╗╨╕ ╨╝╨╡╤Б╤В╨╜╤Л╨╝╨╕ ╨╛╤А╨│╨░╨╜╨░╨╝╨╕ ╨▓╨╗╨░╤Б╤В╨╕. ╨д╨╡╨┤╨╡╤А╨░╨╗╤М╨╜╤Л╨╡ ╤Б╨╗╤Г╨╢╨░╤Й╨╕╨╡ ╨┐╨╛╨┤╨┐╨░╨┤╨░╤О╤В ╨┐╨╛╨┤ ╨┤╨╡╨╣╤Б╤В╨▓╨╕╨╡ ╨╖╨░╨║╨╛╨╜╨░, ╨░╨╜╨░╨╗╨╛╨│╨╕╤З╨╜╨╛╨│╨╛ ╨╖╨░╨║╨╛╨╜╤Г COBRA.

╨Ф╨╗╤П ╨║╨╛╨╝╨┐╨░╨╜╨╕╨╣ ╤Б ╨╝╨╡╨╜╨╡╨╡ ╤З╨╡╨╝ 20 ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨░╨╝╨╕ ╨▓ ╨▒╨╛╨╗╤М╤И╨╕╨╜╤Б╤В╨▓╨╡ ╤И╤В╨░╤В╨╛╨▓ ╨┤╨╡╨╣╤Б╤В╨▓╤Г╤О╤В ╨╝╨╡╤Б╤В╨╜╤Л╨╡ ╨╖╨░╨║╨╛╨╜╤Л, ╨░╨╜╨░╨╗╨╛╨│╨╕╤З╨╜╤Л╨╡ COBRA, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╨╛╨▒╤Л╤З╨╜╨╛ ╨╜╨░╨╖╤Л╨▓╨░╤О╤В ╨┐╨╗╨░╨╜╨░╨╝╨╕ mini-COBRA. ╨н╤В╨╛╤В ╨┤╨╕╨░╨│╤А╨░╨╝╨╝╨░ ╨╛╤В HR Knowledge ╤А╨░╨╖╨▒╨╕╨▓╨░╨╡╤В ╨╖╨░╨║╨╛╨╜╤Л ╨╛ ╨╝╨╕╨╜╨╕-COBRA ╨┐╨╛ ╤И╤В╨░╤В╨░╨╝ ╨╕ ╤В╨╛, ╨║╨░╨║ ╨╛╨╜╨╕ ╨┐╤А╨╕╨╝╨╡╨╜╤П╤О╤В╤Б╤П ╨║ ╨▒╨╕╨╖╨╜╨╡╤Б╤Г.

╨Ы╤О╨▒╨╛╨╣ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤М, ╨╛╨▒╤П╨╖╨░╨╜╨╜╤Л╨╣ ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╕╤В╤М ╤Б╤В╤А╨░╤Е╨╛╨▓╨╛╨╡ ╨┐╨╛╨║╤А╤Л╤В╨╕╨╡ COBRA, ╨┤╨╛╨╗╨╢╨╡╨╜ ╨┐╤А╨╡╨┤╨┐╤А╨╕╨╜╤П╤В╤М ╤Б╨╗╨╡╨┤╤Г╤О╤Й╨╕╨╡ ╨┤╨╡╨╣╤Б╤В╨▓╨╕╤П:

• ╨б╨╛╨╛╨▒╤Й╨╕╤В╨╡ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨░╨╝ ╨╕ ╨╕╤Е ╤Б╤Г╨┐╤А╤Г╨│╨░╨╝ ╨╛╨▒ ╨╕╤Е ╨┐╤А╨░╨▓╨░╤Е COBRA ╨▓ ╨┤╨╡╨╜╤М, ╨║╨╛╨│╨┤╨░ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║ ╨┐╤А╨╕╤Б╨╛╨╡╨┤╨╕╨╜╤П╨╡╤В╤Б╤П ╨║ ╨║╨╛╨╝╨┐╨░╨╜╨╕╨╕, ╨╕ ╨▓ ╨┤╨╡╨╜╤М ╨╜╨░╤З╨░╨╗╨░ ╨┤╨╡╨╣╤Б╤В╨▓╨╕╤П ╨╡╨│╨╛ ╨╝╨╡╨┤╨╕╤Ж╨╕╨╜╤Б╨║╨╛╨│╨╛ ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╤П.
• ╨б╨╛╤Е╤А╨░╨╜╤П╨╣╤В╨╡ ╨╖╨░╨┐╨╕╤Б╨╕ ╨╛╨▒ ╤Г╨▓╨╡╨┤╨╛╨╝╨╗╨╡╨╜╨╕╨╕, ╨░ ╤В╨░╨║╨╢╨╡ ╨┤╨╛╨║╨░╨╖╨░╤В╨╡╨╗╤М╤Б╤В╨▓╨░ ╤В╨╛╨│╨╛, ╤З╤В╨╛ ╨┐╨╛╨╗╨╕╤В╨╕╨║╨░ ╨▒╤Л╨╗╨░ ╤Б╨╛╨▒╨╗╤О╨┤╨╡╨╜╨░.

╨Ш╤Б╨┐╨╛╨╗╤М╨╖╤Г╨╣╤В╨╡ ╨┐╤А╨╛╨│╤А╨░╨╝╨╝╨╜╨╛╨╡ ╨╛╨▒╨╡╤Б╨┐╨╡╤З╨╡╨╜╨╕╨╡ HR ╨┤╨╗╤П ╨╛╤В╤Б╨╗╨╡╨╢╨╕╨▓╨░╨╜╨╕╤П ╨╕ ╨░╤А╤Е╨╕╨▓╨╕╤А╨╛╨▓╨░╨╜╨╕╤П ╨╖╨░╨┐╨╕╤Б╨╡╨╣ ╨╛ ╤Б╨╛╨▒╨╗╤О╨┤╨╡╨╜╨╕╨╕ ╤В╤А╨╡╨▒╨╛╨▓╨░╨╜╨╕╨╣ ╨╕╨╗╨╕ ╨┐╨╡╤А╨╡╨┤╨░╨╣╤В╨╡ ╨┐╤А╨╛╤Ж╨╡╤Б╤Б ╨░╨┤╨╝╨╕╨╜╨╕╤Б╤В╤А╨╕╤А╨╛╨▓╨░╨╜╨╕╤П ╨╗╤М╨│╨╛╤В ╨┐╨╛╤Б╤В╨░╨▓╤Й╨╕╨║╤Г ╤Г╤Б╨╗╤Г╨│ PEO, ╨╡╤Б╨╗╨╕ ╨▓╤Л ╨╜╨╡ ╤Е╨╛╤В╨╕╤В╨╡ ╨╖╨░╨╜╨╕╨╝╨░╤В╤М╤Б╤П ╨╕╨╝ ╤Б╨░╨╝╨╛╤Б╤В╨╛╤П╤В╨╡╨╗╤М╨╜╨╛.

╨Ъ╨░╨║╨╕╨╡ ╨╛╨▒╤П╨╖╨░╨╜╨╜╨╛╤Б╤В╨╕ ╨┐╨╛ ╤Г╨▓╨╡╨┤╨╛╨╝╨╗╨╡╨╜╨╕╤О COBRA ╤Б╤Г╤Й╨╡╤Б╤В╨▓╤Г╤О╤В?

╨Ъ╨░╨║ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤М, ╨▓╤Л ╨┤╨╛╨╗╨╢╨╜╤Л ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╕╤В╤М ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨░╨╝ ╨╕ ╨╕╤Е ╤Б╤Г╨┐╤А╤Г╨│╨░╨╝ ╤Б╨┐╨╡╤Ж╨╕╨░╨╗╤М╨╜╤Л╨╡ ╤Г╨▓╨╡╨┤╨╛╨╝╨╗╨╡╨╜╨╕╤П ╨╛╨▒ ╨╕╤Е ╨┐╤А╨░╨▓╨░╤Е ╨▓ ╤А╨░╨╝╨║╨░╤Е COBRA. ╨Ъ╨░╨║ ╨╝╨╕╨╜╨╕╨╝╤Г╨╝, ╤Б╨╛╨│╨╗╨░╤Б╨╜╨╛ Trust, ╨▓╤Л ╨┤╨╛╨╗╨╢╨╜╤Л ╤Б╨╛╨╛╨▒╤Й╨╕╤В╤М ╤Б╨▓╨╛╨╡╨╝╤Г ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╤Г ╨╛╨▒ ╨╕╤Е ╨┐╤А╨░╨▓╨╡ ╨╜╨░ COBRA ╨▓ ╤В╨╡╤З╨╡╨╜╨╕╨╡ 14 ╨┤╨╜╨╡╨╣ ╤Б ╨╝╨╛╨╝╨╡╨╜╤В╨░ ╨╜╨░╤З╨░╨╗╨░ ╨╕ ╨╛╨║╨╛╨╜╤З╨░╨╜╨╕╤П ╨╕╤Е ╤А╨░╨▒╨╛╤В╤Л ╤Б ╨▓╨░╨╝╨╕.

╨в╨░╨║╨╢╨╡ ╨╜╨╡╨╛╨▒╤Е╨╛╨┤╨╕╨╝╨╛ ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╕╤В╤М ╤Б╨╗╨╡╨┤╤Г╤О╤Й╨╕╨╡ ╨┤╨╛╨║╤Г╨╝╨╡╨╜╤В╤Л:

╨Ю╨┐╨╕╤Б╨░╨╜╨╕╨╡ ╤Б╨▓╨╛╨┤╨╜╨╛╨│╨╛ ╨┐╨╗╨░╨╜╨░

╨Ъ╤А╨░╤В╨║╨╛╨╡ ╨╛╨┐╨╕╤Б╨░╨╜╨╕╨╡ ╨┐╨╗╨░╨╜╨░ (SPD) ╨╛╨┐╨╕╤Б╤Л╨▓╨░╨╡╤В ╨┐╤А╨░╨▓╨░ COBRA, ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╗╤П╨╡╨╝╤Л╨╡ ╨▓ ╤А╨░╨╝╨║╨░╤Е ╨│╤А╤Г╨┐╨┐╨╛╨▓╨╛╨│╨╛ ╨┐╨╗╨░╨╜╨░ ╨╝╨╡╨┤╨╕╤Ж╨╕╨╜╤Б╨║╨╛╨│╨╛ ╨╛╨▒╤Б╨╗╤Г╨╢╨╕╨▓╨░╨╜╨╕╤П ╨▓╨░╤И╨╡╨╣ ╨║╨╛╨╝╨┐╨░╨╜╨╕╨╕. ╨Т ╨╜╨╡╨╝ ╤Б╨╛╨┤╨╡╤А╨╢╨╕╤В╤Б╤П ╤В╨░╨║╨░╤П ╨╕╨╜╤Д╨╛╤А╨╝╨░╤Ж╨╕╤П, ╨║╨░╨║ ╨┤╨╛╤Б╤В╤Г╨┐╨╜╤Л╨╡ ╨╗╤М╨│╨╛╤В╤Л, ╨┐╤А╨░╨▓╨░ ╤Г╤З╨░╤Б╤В╨╜╨╕╨║╨╛╨▓ ╨╕ ╨▒╨╡╨╜╨╡╤Д╨╕╤Ж╨╕╨░╤А╨╛╨▓ ╨┐╨╗╨░╨╜╨░, ╨░ ╤В╨░╨║╨╢╨╡ ╨┐╤А╨╕╨╜╤Ж╨╕╨┐╤Л ╤А╨░╨▒╨╛╤В╤Л ╨┐╨╗╨░╨╜╨░.

╨Ю╨▒╤Й╨╡╨╡ ╤Г╨▓╨╡╨┤╨╛╨╝╨╗╨╡╨╜╨╕╨╡ COBRA

╨Т╨░╤И ╨╛╨▒╤Й╨╕╨╣ ╨┐╨╗╨░╨╜ ╨╝╨╡╨┤╨╕╤Ж╨╕╨╜╤Б╨║╨╛╨│╨╛ ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╤П ╨┤╨╛╨╗╨╢╨╡╨╜ ╤Г╨▓╨╡╨┤╨╛╨╝╨╕╤В╤М ╨║╨░╨╢╨┤╨╛╨│╨╛ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨░ ╨╕ ╨╡╨│╨╛ ╤Б╤Г╨┐╤А╤Г╨│╨░ ╨╛╨▒ ╨╕╤Е ╨┐╤А╨░╨▓╨░╤Е COBRA ╨▓ ╤В╨╡╤З╨╡╨╜╨╕╨╡ ╨┐╨╡╤А╨▓╤Л╤Е 90 ╨┤╨╜╨╡╨╣ ╨┤╨╡╨╣╤Б╤В╨▓╨╕╤П ╤Б╤В╤А╨░╤Е╨╛╨▓╨╛╨│╨╛ ╨┐╨╛╨║╤А╤Л╤В╨╕╤П. ╨Т╨║╨╗╤О╤З╨╕╤В╨╡ ╤Н╤В╨╕ ╨┤╨░╨╜╨╜╤Л╨╡ ╨▓ ╨╛╨▒╤Й╨╡╨╡ ╤Г╨▓╨╡╨┤╨╛╨╝╨╗╨╡╨╜╨╕╨╡:

• ╨Ъ╨╛╨╜╤В╨░╨║╤В╨╜╨░╤П ╨╕╨╜╤Д╨╛╤А╨╝╨░╤Ж╨╕╤П ╤З╨╡╨╗╨╛╨▓╨╡╨║╨░, ╤Б ╨║╨╛╤В╨╛╤А╤Л╨╝ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║ ╨╝╨╛╨╢╨╡╤В ╨┐╨╛╨│╨╛╨▓╨╛╤А╨╕╤В╤М ╨┤╨╗╤П ╨┐╨╛╨╗╤Г╤З╨╡╨╜╨╕╤П ╨┤╨╛╨┐╨╛╨╗╨╜╨╕╤В╨╡╨╗╤М╨╜╨╛╨╣ ╨╕╨╜╤Д╨╛╤А╨╝╨░╤Ж╨╕╨╕ ╨╛ COBRA.
• ╨Ю╨▒╤Й╨╡╨╡ ╨╛╨┐╨╕╤Б╨░╨╜╨╕╨╡ ╨┐╨╛╨║╤А╤Л╤В╨╕╤П COBRA ╨┐╨╛ ╨┐╨╗╨░╨╜╤Г
• ╨Ю╨┐╨╕╤Б╨░╨╜╨╕╨╡ ╤В╨╛╨│╨╛, ╤З╤В╨╛ ╨┤╨╛╨╗╨╢╨╜╤Л ╤Б╨┤╨╡╨╗╨░╤В╤М ╨║╨▓╨░╨╗╨╕╤Д╨╕╤Ж╨╕╤А╨╛╨▓╨░╨╜╨╜╤Л╨╡ ╨▒╨╡╨╜╨╡╤Д╨╕╤Ж╨╕╨░╤А╤Л, ╤З╤В╨╛╨▒╤Л ╤Г╨▓╨╡╨┤╨╛╨╝╨╕╤В╤М ╨┐╨╗╨░╨╜ ╨║╨▓╨░╨╗╨╕╤Д╨╕╨║╨░╤Ж╨╕╨╛╨╜╨╜╤Л╤Е ╤Б╨╛╨▒╤Л╤В╨╕╨╣.
• ╨Ч╨░╤П╨▓╨╗╨╡╨╜╨╕╨╡ ╨╛ ╤В╨╛╨╝, ╤З╤В╨╛ ╨╛╨▒╤Й╨╡╨╡ ╤Г╨▓╨╡╨┤╨╛╨╝╨╗╨╡╨╜╨╕╨╡ ╨╜╨╡ ╨┐╨╛╨╗╨╜╨╛╤Б╤В╤М╤О ╨╛╨┐╨╕╤Б╤Л╨▓╨░╨╡╤В COBRA ╨╕╨╗╨╕ ╨╛╨▒╤Й╨╕╨╣ ╨┐╨╗╨░╨╜.

╨Т╤Л ╨╝╨╛╨╢╨╡╤В╨╡ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╤М ╤Н╤В╨╛╤В ╨╛╨▒╤Й╨╕╨╣ ╤И╨░╨▒╨╗╨╛╨╜ ╤Г╨▓╨╡╨┤╨╛╨╝╨╗╨╡╨╜╨╕╤П ╨╛╤В ╨Ь╨╕╨╜╨╕╤Б╤В╨╡╤А╤Б╤В╨▓╨░ ╤В╤А╤Г╨┤╨░, ╤З╤В╨╛╨▒╤Л ╤Б╨╛╨╖╨┤╨░╤В╤М ╤Б╨╛╨▒╤Б╤В╨▓╨╡╨╜╨╜╨╛╨╡ ╤Г╨▓╨╡╨┤╨╛╨╝╨╗╨╡╨╜╨╕╨╡, ╨╛╤В╨▓╨╡╤З╨░╤О╤Й╨╡╨╡ ╤В╤А╨╡╨▒╨╛╨▓╨░╨╜╨╕╤П╨╝.

╨г╨▓╨╡╨┤╨╛╨╝╨╗╨╡╨╜╨╕╨╡ ╨╛ ╨║╨▓╨░╨╗╨╕╤Д╨╕╨║╨░╤Ж╨╕╨╛╨╜╨╜╨╛╨╝ ╨╝╨╡╤А╨╛╨┐╤А╨╕╤П╤В╨╕╨╕ COBRA

╨Т╨░╤И ╨│╤А╤Г╨┐╨┐╨╛╨▓╨╛╨╣ ╨┐╨╗╨░╨╜ ╨╝╨╡╨┤╨╕╤Ж╨╕╨╜╤Б╨║╨╛╨│╨╛ ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╤П ╨┤╨╛╨╗╨╢╨╡╨╜ ╨┐╤А╨╡╨┤╨╗╨░╨│╨░╤В╤М ╨╜╨╡╨┐╤А╨╡╤А╤Л╨▓╨╜╨╛╨╡ ╨┐╨╛╨║╤А╤Л╤В╨╕╨╡ ╨▓ ╤Б╨╗╤Г╤З╨░╨╡ ╨╜╨░╤Б╤В╤Г╨┐╨╗╨╡╨╜╨╕╤П ╨║╨▓╨░╨╗╨╕╤Д╨╕╨║╨░╤Ж╨╕╨╛╨╜╨╜╨╛╨│╨╛ ╤Б╨╛╨▒╤Л╤В╨╕╤П. ╨Т╤Л (╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤М), ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║ ╨╕╨╗╨╕ ╨▒╨╡╨╜╨╡╤Д╨╕╤Ж╨╕╨░╤А ╨┤╨╛╨╗╨╢╨╜╤Л ╤Г╨▓╨╡╨┤╨╛╨╝╨╕╤В╤М ╨┐╨╗╨░╨╜ ╨│╤А╤Г╨┐╨┐╨╛╨▓╨╛╨│╨╛ ╨╝╨╡╨┤╨╕╤Ж╨╕╨╜╤Б╨║╨╛╨│╨╛ ╨╛╨▒╤Б╨╗╤Г╨╢╨╕╨▓╨░╨╜╨╕╤П ╨╛ ╤Б╨╛╨╛╤В╨▓╨╡╤В╤Б╤В╨▓╤Г╤О╤Й╨╡╨╝ ╨║╨▓╨░╨╗╨╕╤Д╨╕╨║╨░╤Ж╨╕╨╛╨╜╨╜╨╛╨╝ ╤Б╨╛╨▒╤Л╤В╨╕╨╕. ╨Р╨┤╨╝╨╕╨╜╨╕╤Б╤В╤А╨░╤В╨╛╤А ╨┐╨╗╨░╨╜╨░ ╨╜╨╡ ╨╛╨▒╤П╨╖╨░╨╜ ╨┤╨╡╨╣╤Б╤В╨▓╨╛╨▓╨░╤В╤М, ╨┐╨╛╨║╨░ ╨╜╨╡ ╨┐╨╛╨╗╤Г╤З╨╕╤В ╨╜╨░╨┤╨╗╨╡╨╢╨░╤Й╨╡╨╡ ╤Г╨▓╨╡╨┤╨╛╨╝╨╗╨╡╨╜╨╕╨╡. ╨Ы╨╕╤Ж╨╛, ╨╛╨▒╤П╨╖╨░╨╜╨╜╨╛╨╡ ╨┐╨╛╨┤╨░╤В╤М ╤Г╨▓╨╡╨┤╨╛╨╝╨╗╨╡╨╜╨╕╨╡, ╨╖╨░╨▓╨╕╤Б╨╕╤В ╨╛╤В ╨║╨▓╨░╨╗╨╕╤Д╨╕╨║╨░╤Ж╨╕╨╛╨╜╨╜╨╛╨│╨╛ ╤Б╨╛╨▒╤Л╤В╨╕╤П.

╨а╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤М ╨┤╨╛╨╗╨╢╨╡╨╜ ╤Г╨▓╨╡╨┤╨╛╨╝╨╕╤В╤М ╨▓ ╤В╨╡╤З╨╡╨╜╨╕╨╡ 30 ╨┤╨╜╨╡╨╣ ╨╛ ╤Б╨╗╨╡╨┤╤Г╤О╤Й╨╕╤Е ╨║╨▓╨░╨╗╨╕╤Д╨╕╤Ж╨╕╤А╤Г╤О╤Й╨╕╤Е ╤Б╨╛╨▒╤Л╤В╨╕╤П╤Е:

• ╨г╨▓╨╛╨╗╤М╨╜╨╡╨╜╨╕╨╡ ╨╕╨╗╨╕ ╤Б╨╛╨║╤А╨░╤Й╨╡╨╜╨╕╨╡ ╤А╨░╨▒╨╛╤З╨╡╨│╨╛ ╨▓╤А╨╡╨╝╨╡╨╜╨╕ ╨╖╨░╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╜╨╛╨│╨╛ ╤А╨░╨▒╨╛╤В╨╜╨╕╨║╨░
• ╨б╨╝╨╡╤А╤В╤М ╨╖╨░╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╜╨╛╨│╨╛ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨░
• ╨Э╨╛╨▓╨╛╨╡ ╨┐╤А╨░╨▓╨╛ ╨╖╨░╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╜╨╛╨│╨╛ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨░ ╨╜╨░ Medicare
• ╨С╨░╨╜╨║╤А╨╛╤В╤Б╤В╨▓╨╛ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤П

╨Ч╨░╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╜╤Л╨╣ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║ ╨╕╨╗╨╕ ╨║╨▓╨░╨╗╨╕╤Д╨╕╤Ж╨╕╤А╨╛╨▓╨░╨╜╨╜╤Л╨╣ ╨▒╨╡╨╜╨╡╤Д╨╕╤Ж╨╕╨░╤А ╨┤╨╛╨╗╨╢╨╡╨╜ ╤Г╨▓╨╡╨┤╨╛╨╝╨╕╤В╤М, ╨╡╤Б╨╗╨╕ ╤Н╤В╨╕ ╤Б╨╛╨▒╤Л╤В╨╕╤П ╨┐╤А╨╛╨╕╤Б╤Е╨╛╨┤╤П╤В:

• ╨а╨░╨╖╨▓╨╛╨┤
• ╨о╤А╨╕╨┤╨╕╤З╨╡╤Б╨║╨╛╨╡ ╤А╨░╨╖╨┤╨╡╨╗╨╡╨╜╨╕╨╡
• ╨Я╨╛╤В╨╡╤А╤П ╤А╨╡╨▒╨╡╨╜╨║╨╛╨╝ ╤Б╤В╨░╤В╤Г╤Б╨░ ╨╕╨╢╨┤╨╕╨▓╨╡╨╜╤Ж╨░

╨а╨░╤Б╨║╤А╨╛╨╣╤В╨╡ ╨▓╤Б╨╡ ╨┤╨╡╤В╨░╨╗╨╕ ╨╕ ╨▒╤Г╨┤╤М╤В╨╡ ╨║╨░╨║ ╨╝╨╛╨╢╨╜╨╛ ╤В╤Й╨░╤В╨╡╨╗╤М╨╜╨╡╨╡, ╨║╨╛╨│╨┤╨░ ╨▓╤Л ╤Г╨▓╨╡╨┤╨╛╨╝╨╗╤П╨╡╤В╨╡ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╛╨▓ ╨╛╨▒ ╨╕╤Е ╨┐╤А╨░╨▓╨░╤Е COBRA.

╨Я╨╛╨╝╨╕╨╝╨╛ ╤Б╨▓╨╛╨╡╨▓╤А╨╡╨╝╨╡╨╜╨╜╨╛╨│╨╛ ╤Г╨▓╨╡╨┤╨╛╨╝╨╗╨╡╨╜╨╕╤П ╤А╨░╨▒╨╛╤В╨╜╨╕╨║╨╛╨▓ ╨╕ ╨╕╤Е ╨╕╨╢╨┤╨╕╨▓╨╡╨╜╤Ж╨╡╨▓, ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╨╕ ╤В╨░╨║╨╢╨╡ ╨┤╨╛╨╗╨╢╨╜╤Л ╨┐╤А╨░╨▓╨╕╨╗╤М╨╜╨╛ ╨╕╨╜╤Д╨╛╤А╨╝╨╕╤А╨╛╨▓╨░╤В╤М ╨╕╤Е ╨╛╨▒╨╛ ╨▓╤Б╨╡╨╣ ╨╜╨╡╨╛╨▒╤Е╨╛╨┤╨╕╨╝╨╛╨╣ ╨╕╨╜╤Д╨╛╤А╨╝╨░╤Ж╨╕╨╕. ╨Т ╨┐╤А╨╛╤В╨╕╨▓╨╜╨╛╨╝ ╤Б╨╗╤Г╤З╨░╨╡ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╨╕ ╤А╨╕╤Б╨║╤Г╤О╤В ╨╖╨░╨┐╨╗╨░╤В╨╕╤В╤М ╨┐╨╡╨╜╨╕ ╨╕ ╤И╤В╤А╨░╤Д╤Л ╨╖╨░ ╤Е╨░╨╗╨░╤В╨╜╨╛╤Б╤В╤М.

╨а╨╡╨║╨╛╨╝╨╡╨╜╨┤╤Г╨╡╤В╤Б╤П ╤Б╨╛╨╖╨┤╨░╤В╤М ╤Б╤Ж╨╡╨╜╨░╤А╨╕╨╣ ╨┤╨╗╤П ╨╕╨╜╤Д╨╛╤А╨╝╨╕╤А╨╛╨▓╨░╨╜╨╕╤П ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╛╨▓ ╨╕ ╨╕╨╢╨┤╨╕╨▓╨╡╨╜╤Ж╨╡╨▓, ╤З╤В╨╛╨▒╤Л ╨╜╨╡ ╤Г╨┐╤Г╤Б╤В╨╕╤В╤М ╨▓╨░╨╢╨╜╤Л╨╡ ╨┤╨╡╤В╨░╨╗╨╕.

╨Ъ╨░╨║ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤М, ╨▓╤Л ╨┤╨╛╨╗╨╢╨╜╤Л ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╕╤В╤М ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨░╨╝ ╨╕ ╨╕╤Е ╤Б╤Г╨┐╤А╤Г╨│╨░╨╝ ╤Б╨┐╨╡╤Ж╨╕╨░╨╗╤М╨╜╤Л╨╡ ╤Г╨▓╨╡╨┤╨╛╨╝╨╗╨╡╨╜╨╕╤П ╨╛╨▒ ╨╕╤Е ╨┐╤А╨░╨▓╨░╤Е ╨▓ ╤А╨░╨╝╨║╨░╤Е COBRA. ╨Ъ╨░╨║ ╨╝╨╕╨╜╨╕╨╝╤Г╨╝, ╨▓╤Л ╨┤╨╛╨╗╨╢╨╜╤Л ╤Б╨╛╨╛╨▒╤Й╨╕╤В╤М ╤Б╨▓╨╛╨╡╨╝╤Г ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╤Г ╨╛╨▒ ╨╡╨│╨╛ ╨┐╤А╨░╨▓╨╡ ╨╜╨░ ╤Б╤В╤А╨░╤Е╨╛╨▓╨╛╨╡ ╨┐╨╛╨║╤А╤Л╤В╨╕╨╡ COBRA ╨▓ ╨╜╨░╤З╨░╨╗╨╡ ╨╕ ╨▓ ╨║╨╛╨╜╤Ж╨╡ ╨╡╨│╨╛ ╤А╨░╨▒╨╛╤В╤Л ╤Г ╨▓╨░╤Б.

╨з╨░╤Б╤В╨╛ ╨╖╨░╨┤╨░╨▓╨░╨╡╨╝╤Л╨╡ ╨▓╨╛╨┐╤А╨╛╤Б╤Л ╨╛ ╨Ъ╨Ю╨С╨а╨Х

╨Ъ╤В╨╛ ╨┐╨╛╨╗╤Г╤З╨░╨╡╤В ╤Г╨▓╨╡╨┤╨╛╨╝╨╗╨╡╨╜╨╕╤П COBRA?

╨а╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤М ╨╛╨▒╤П╨╖╨░╨╜ ╤Г╨▓╨╡╨┤╨╛╨╝╨╕╤В╤М ╤А╨░╨▒╨╛╤В╨╜╨╕╨║╨░ ╨╕ ╨╡╨│╨╛ ╤Б╤Г╨┐╤А╤Г╨│╨░ ╨╛ ╨┐╨╛╨║╤А╤Л╤В╨╕╨╕ COBRA ╨▓ ╨┤╨╡╨╜╤М ╨╜╨░╤З╨░╨╗╨░ ╤А╨░╨▒╨╛╤В╤Л ╤А╨░╨▒╨╛╤В╨╜╨╕╨║╨░ ╨╕ ╨▓ ╨┤╨╡╨╜╤М ╨╜╨░╤З╨░╨╗╨░ ╨╕╤Е ╤Б╤В╤А╨░╤Е╨╛╨▓╨╛╨│╨╛ ╨┐╨╛╨║╤А╤Л╤В╨╕╤П.

┬л╨а╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤М ╨╛╨▒╤П╨╖╨░╨╜ ╤Г╨▓╨╡╨┤╨╛╨╝╨╕╤В╤М ╨╛ ╨┐╨╗╨░╨╜╨╡ ╨╝╨╡╨┤╨╕╤Ж╨╕╨╜╤Б╨║╨╛╨│╨╛ ╨╛╨▒╤Б╨╗╤Г╨╢╨╕╨▓╨░╨╜╨╕╤П ╨▓ ╤В╨╡╤З╨╡╨╜╨╕╨╡ 30 ╨┤╨╜╨╡╨╣, ╨╡╤Б╨╗╨╕ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║ ╨┐╨╛╤В╨╡╤А╤П╨╡╤В ╤А╨░╨▒╨╛╤В╤Г┬╗, тАФ ╤Б╨║╨░╨╖╨░╨╗ ╨б╤В╤Н╨╜╨╗╨╕ ╨в╨╡╨╣╤В, ╨▓╨╗╨░╨┤╨╡╨╗╨╡╤Ж ╨╕ ╨╛╤Б╨╜╨╛╨▓╨░╤В╨╡╨╗╤М Tate Law. ┬л╨г ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨░ ╨╡╤Б╤В╤М 60 ╨┤╨╜╨╡╨╣, ╤З╤В╨╛╨▒╤Л ╨▓╤Л╤П╤Б╨╜╨╕╤В╤М, ╨┐╨╛╨┤╨┐╨╕╤Б╤Л╨▓╨░╤О╤В╤Б╤П ╨╗╨╕ ╨╛╨╜╨╕ ╨╜╨░ COBRA ╨╕╨╗╨╕ ╨╜╨╡╤В┬╗.

╨з╤В╨╛ ╤В╨░╨║╨╛╨╡ ╨║╨▓╨░╨╗╨╕╤Д╨╕╨║╨░╤Ж╨╕╨╛╨╜╨╜╨╛╨╡ ╤Б╨╛╨▒╤Л╤В╨╕╨╡ ╨╕ ╤Г╨▓╨╡╨┤╨╛╨╝╨╗╨╡╨╜╨╕╨╡ ╨╛ ╨║╨▓╨░╨╗╨╕╤Д╨╕╨║╨░╤Ж╨╕╨╛╨╜╨╜╨╛╨╝ ╤Б╨╛╨▒╤Л╤В╨╕╨╕ ╨▓ ╤Б╨╛╨╛╤В╨▓╨╡╤В╤Б╤В╨▓╨╕╨╕ ╤Б COBRA?

╨Ъ╨▓╨░╨╗╨╕╤Д╨╕╨║╨░╤Ж╨╕╨╛╨╜╨╜╤Л╨╝ ╤Б╨╛╨▒╤Л╤В╨╕╨╡╨╝ ╨╝╨╛╨╢╨╡╤В ╨▒╤Л╤В╤М ╨┐╨╛╤В╨╡╤А╤П ╤А╨░╨▒╨╛╤В╤Л, ╤Б╨╛╨║╤А╨░╤Й╨╡╨╜╨╕╨╡ ╤А╨░╨▒╨╛╤З╨╡╨│╨╛ ╨▓╤А╨╡╨╝╨╡╨╜╨╕, ╨┐╨╛╤В╨╡╤А╤П ╤Б╤В╨░╤В╤Г╤Б╨░ ╨╕╨╢╨┤╨╕╨▓╨╡╨╜╤Ж╨░, ╨▒╨░╨╜╨║╤А╨╛╤В╤Б╤В╨▓╨╛ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤П, ╤А╨░╨╖╨▓╨╛╨┤ ╨╕╨╗╨╕ ╤О╤А╨╕╨┤╨╕╤З╨╡╤Б╨║╨╛╨╡ ╤А╨░╨╖╨┤╨╡╨╗╤М╨╜╨╛╨╡ ╨┐╤А╨╛╨╢╨╕╨▓╨░╨╜╨╕╨╡. ╨Ы╨╕╨▒╨╛ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤М, ╨╗╨╕╨▒╨╛ ╤А╨░╨▒╨╛╤В╨╜╨╕╨║ ╨┤╨╛╨╗╨╢╨╜╤Л ╨╛╤В╨┐╤А╨░╨▓╨╕╤В╤М ╤Г╨▓╨╡╨┤╨╛╨╝╨╗╨╡╨╜╨╕╨╡ ╨╛ ╨║╨▓╨░╨╗╨╕╤Д╨╕╨║╨░╤Ж╨╕╨╛╨╜╨╜╨╛╨╝ ╤Б╨╛╨▒╤Л╤В╨╕╨╕ ╨▓ ╨│╤А╤Г╨┐╨┐╨╛╨▓╨╛╨╣ ╨┐╨╗╨░╨╜ ╨╝╨╡╨┤╨╕╤Ж╨╕╨╜╤Б╨║╨╛╨│╨╛ ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╤П, ╤З╤В╨╛╨▒╤Л ╨▓╨▓╨╡╤Б╤В╨╕ COBRA ╨▓ ╤Б╨╗╤Г╤З╨░╨╡ ╨▓╨╛╨╖╨╜╨╕╨║╨╜╨╛╨▓╨╡╨╜╨╕╤П ╨║╨▓╨░╨╗╨╕╤Д╨╕╨║╨░╤Ж╨╕╨╛╨╜╨╜╨╛╨│╨╛ ╤Б╨╛╨▒╤Л╤В╨╕╤П.

╨з╨╡╤А╨╡╨╖ ╨║╨░╨║╨╛╨╡ ╨▓╤А╨╡╨╝╤П ╨┐╨╛╤Б╨╗╨╡ ╨║╨▓╨░╨╗╨╕╤Д╨╕╨║╨░╤Ж╨╕╨╛╨╜╨╜╨╛╨│╨╛ ╤Б╨╛╨▒╤Л╤В╨╕╤П ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║ ╨┤╨╛╨╗╨╢╨╡╨╜ ╨▓╤Л╨▒╤А╨░╤В╤М ╨┐╨╛╨║╤А╤Л╤В╨╕╨╡ COBRA?

╨г ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨░ ╨╡╤Б╤В╤М 60 ╨┤╨╜╨╡╨╣ ╨┐╨╛╤Б╨╗╨╡ ╨║╨▓╨░╨╗╨╕╤Д╨╕╨║╨░╤Ж╨╕╨╛╨╜╨╜╨╛╨│╨╛ ╤Б╨╛╨▒╤Л╤В╨╕╤П, ╤З╤В╨╛╨▒╤Л ╤А╨╡╤И╨╕╤В╤М, ╤Е╨╛╤В╤П╤В ╨╗╨╕ ╨╛╨╜╨╕ ╨▓╨▓╨╡╤Б╤В╨╕ COBRA.

╨Ъ╨╛╨│╨┤╨░ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║ ╨╕╨╝╨╡╨╡╤В ╨┐╤А╨░╨▓╨╛ ╨╜╨░ ╨┐╤А╨╛╨┤╨╗╨╡╨╜╨╕╨╡ ╨┐╨╛╨║╤А╤Л╤В╨╕╤П COBRA?

╨б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║ ╨╕╨╝╨╡╨╡╤В ╨┐╤А╨░╨▓╨╛, ╨╡╤Б╨╗╨╕ ╨╛╨╜ ╨▒╤Л╨╗ ╨╜╨░╨╜╤П╤В ╨╕ ╨╖╨░╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜ ╨┐╨╛ ╨│╤А╤Г╨┐╨┐╨╛╨▓╨╛╨╝╤Г ╨┐╨╗╨░╨╜╤Г ╨╝╨╡╨┤╨╕╤Ж╨╕╨╜╤Б╨║╨╛╨│╨╛ ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╤П ╤Б╨▓╨╛╨╡╨│╨╛ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤П, ╨┐╨╗╨░╨╜ ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╤П ╨┤╨╡╨╣╤Б╤В╨▓╨╛╨▓╨░╨╗ ╨▒╨╛╨╗╨╡╨╡ 50% ╤А╨░╨▒╨╛╤З╨╕╤Е ╨┤╨╜╨╡╨╣ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤П ╨▓ ╨┐╤А╨╡╨┤╤Л╨┤╤Г╤Й╨╡╨╝ ╨│╨╛╨┤╤Г, ╨╕ ╤А╨░╨▒╨╛╤В╨╜╨╕╨║ ╨▒╤Л╨╗ ╤Г╨▓╨╛╨╗╨╡╨╜ ╨╕╨╗╨╕ ╤Г╨▓╨╛╨╗╨╡╨╜, ╨▓╤Л╤И╨╡╨╗ ╨╜╨░ ╨┐╨╡╨╜╤Б╨╕╤О, ╤Г╨▓╨╛╨╗╨╕╨╗╤Б╤П, ╨╕╨╗╨╕ ╨╕╤Е ╤З╨░╤Б╤Л ╨▒╤Л╨╗╨╕ ╤Б╨╛╨║╤А╨░╤Й╨╡╨╜╤Л ╨┤╨╛ ╤В╨░╨║╨╛╨╣ ╤Б╤В╨╡╨┐╨╡╨╜╨╕, ╤З╤В╨╛ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤М ╨▒╨╛╨╗╤М╤И╨╡ ╨╜╨╡ ╨╛╨▒╤П╨╖╨░╨╜ ╨┐╨╛╨║╤А╤Л╨▓╨░╤В╤М ╨╕╤Е ╨▓ ╤Б╨╛╨╛╤В╨▓╨╡╤В╤Б╤В╨▓╨╕╨╕ ╤Б ╨┐╨╗╨░╨╜╨╛╨╝ ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╤П ╨║╨╛╨╝╨┐╨░╨╜╨╕╨╕.

╨б╨║╨╛╨╗╤М╨║╨╛ ╤Б╤В╨╛╨╕╤В ╨Ъ╨Ю╨С╨а╨Р?

╨в╨╛╤З╨╜╨░╤П ╤Б╤В╨╛╨╕╨╝╨╛╤Б╤В╤М ╤Д╨╡╨┤╨╡╤А╨░╨╗╤М╨╜╨╛╨│╨╛ ╨╝╨╡╨┤╨╕╤Ж╨╕╨╜╤Б╨║╨╛╨│╨╛ ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╤П COBRA ╨╖╨░╨▓╨╕╤Б╨╕╤В ╨╛╤В ╤В╨╛╨│╨╛, ╤Б╨║╨╛╨╗╤М╨║╨╛ ╨╛╨▒╤Й╨╕╨╣ ╨┐╨╗╨░╨╜ ╨╝╨╡╨┤╨╕╤Ж╨╕╨╜╤Б╨║╨╛╨│╨╛ ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╤П ╤Б╤В╨╛╨╕╤В ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤О. ╨б╤А╨╡╨┤╨╜╤П╤П ╤Б╤В╨╛╨╕╨╝╨╛╤Б╤В╤М ╨│╨╛╨┤╨╛╨▓╨╛╨╣ ╨╝╨╡╨┤╨╕╤Ж╨╕╨╜╤Б╨║╨╛╨╣ ╤Б╤В╤А╨░╤Е╨╛╨▓╨║╨╕, ╤Б╨┐╨╛╨╜╤Б╨╕╤А╤Г╨╡╨╝╨╛╨╣ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╨╡╨╝, ╤Б╨╛╤Б╤В╨░╨▓╨╗╤П╨╡╤В ╨▒╨╛╨╗╨╡╨╡ 20 000 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓, ╨╕ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╕ ╨╛╨▒╤Л╤З╨╜╨╛ ╨┐╨╗╨░╤В╤П╤В ╨╝╨╡╨╜╨╡╨╡ ╨┐╨╛╨╗╨╛╨▓╨╕╨╜╤Л ╤Н╤В╨╛╨╣ ╤Б╤В╨╛╨╕╨╝╨╛╤Б╤В╨╕.

┬л╨з╤В╨╛ ╨╜╤Г╨╢╨╜╨╛ ╨╖╨╜╨░╤В╤М ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╤Г, ╤В╨░╨║ ╤Н╤В╨╛ ╤В╨╛, ╤З╤В╨╛ ╨╛╨╜ ╨┤╨╛╨╗╨╢╨╡╨╜ ╨▒╤Г╨┤╨╡╤В ╨╖╨░╨┐╨╗╨░╤В╨╕╤В╤М ╨┐╨╛╨╗╨╜╤Г╤О ╨┐╤А╨╡╨╝╨╕╤О COBRA, ╤Б╨▓╨╛╤О ╨┤╨╛╨╗╤О ╨┐╨╗╤О╤Б ╨┤╨╛╨╗╤О ╨┐╤А╨╡╨╝╨╕╨╕, ╨║╨╛╤В╨╛╤А╤Г╤О ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤М ╨┐╨╗╨░╤В╨╕╨╗ ╨╛╤В ╨╕╤Е ╨╕╨╝╨╡╨╜╨╕┬╗, тАФ ╤Б╨║╨░╨╖╨░╨╗ ╨е╤Н╨╜╨┤╤А╨╕╨║. ┬л╨в╨╡╨╝ ╨╜╨╡ ╨╝╨╡╨╜╨╡╨╡, ╤Н╤В╨╛ ╨╝╨╡╨┤╨╕╤Ж╨╕╨╜╤Б╨║╨╛╨╡ ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╨╡ ╨╝╨╛╨╢╨╡╤В ╨▒╤Л╤В╤М ╨┤╨╡╤И╨╡╨▓╨╗╨╡ ╨┤╨╗╤П ╤А╨░╨▒╨╛╤В╨╜╨╕╨║╨░, ╤З╨╡╨╝ ╤Б╨░╨╝╨╛╤Б╤В╨╛╤П╤В╨╡╨╗╤М╨╜╨╛╨╡ ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╨╡┬╗.