Blue Shield of California Individual Family Application C12900-A 1-2011

8/7/2019 Blue Shield of California Individual Family Application C12900-A 1-2011

1/12F7:188)GK)G $4%78!

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http://www.blueinsuranceshield.com/ca_blueshield_get_a_quotehttp://www.blueinsuranceshield.com/ca_blueshield_get_a_quote


2/12F7:188)GK)G $4%78!

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Flafc dkzk }e Gxxlq nez Jl{k Vdakln en Fglanezàg E`la`k
http://www.blueinsuranceshield.com/ca_blueshield_get_a_quote


3/12F7:188)GK)G $4%78!


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2. Fg`fkz $iglab`g`fq! v{fd gv? lk{ckiag3 Dembca`"v3 iglab`g`} iklgèig3 }{iez%fqv}3 lqixdeig5 ]qxk? UUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUAn Qkv, fazflk }zkg}ik`} }qxk? fdkie}dkzgxq, zgmag}ae` }dkzgxq, e}dkz5

4. Fe`bkà}gl gjèzigla}akv, jaz}d mknkf}v v{fd gv? Mer`v Vq`mzeik3 fkzkjzgl xglvq3 flkn} lax ez xglg}k3 fl{jnee}3 mk~klexik`}gl mklgq3 ez e}dkz `k{zelebafglez xdqvafgl gjèzigla}akv5

1. Glfedelavi, mz{b mkxk`mk`fq ez v{jv}g`fk gj{vk ]qxk? UUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUU

78. Fe{`vkla`b ez }zkg}ik`} nez vqix}eiv en mkxzkvvae`3 igàf mkxzkvvae`3 g`tak}q3 xgàf g}}gfcv3 `kz~e{v`kvv3 ik`}gl ez kie}ae`gl mavezmkzv3 vfdaexdzkàg3jkdg~aez xzejlkiv3 dqxkzgf}a~a}q3 g}}k`}ae` mknafa} mavezmkz3 kg}a`b mavezmkzv3 j{laiag3 gèzktag3 glfedel ez v{jv}g`fk gj{vk3 ez nez g`q e}dkz zkgve`5Gzk qe{ f{zzk`}lq a` fe{`vkla`b5 An qkv, zkgve` nez fe{`vkla`b g`m nzkw{k`fq en }zkg}ik`} UUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUU

Dg~k qe{ ez g`q gxxlqa`b ngialq ikijkz a` }dk xgv} ; qkgzv ve{bd} g`q xzenkvvae`gl fe`v{l}g}ae` ez zkfka~km g`q }zkg}ik`} $a`fl{ma`b xzkvfzax}aikmafg}ae`v! nzei g lafk`vkm dkgl}d xzgf}a}ae`kz xkz}gaà`b }e g`q en }dk nellera`b5

Gll w{kv}ae`v i{v} jk fdkfckm $6

! Qkv ez @e. G`vrkz gv feixlk}klq g`m gff{zg}klq gv xevvajlk. N{ll mk}galv en g`q Qkv g`vrkzvi{v} jk ba~k` a` Xgz} >. QKV

77. Iglk zkxzem{f}a~k vqv}ki v{fd gv? xzev}g}k xzejlkiv3 aixe}k`fq3 iglk jzkgv} xzejlkiv3 bq`kfeigv}ag3 a`nkf}ae`v3 dkzxkv3 vqxdalav3 beèzzdkg3 ez e}dkz~k`kzkgl mavkgvk $ktfkx} DA^ a`nkf}ae`!3 ez av ka}dkz }dk gxxlafg`}, vxe{vk ez meikv}af xgz}`kz rdk}dkz ez è} lav}km e` }dk gxxlafg}ae`, jka`b }zkg}km ezjkk` }zkg}km nez a`nkz}ala}q ra}da` }dk lgv} := ie`}dv5

7:. G. Nkiglk zkxzem{f}a~k vqv}ki v{fd gv? jzkgv} xzejlkiv3 jzkgv} aixlg`}v3 gmdkvae`v3 gjèzigl jlkkma`b3 gikèzzdkg3 iavfgzzagbk g`m%ez gjez}ae`3k`meik}zaevav3 najzeam }{iezv3 gjèzigl Xgx }kv}3 xzejlkiv en }dk e~gzakv, {}kz{v g`m gvvefag}km nkiglk ezbg`v3 a`)~a}ze nkz}alag}ae`3 a`nkf}ae`v, bkà}glrgz}v, dkzxkv, vqxdalav, ez e}dkz ~k`kzkgl mavkgvk $ktfkx} DA^ a`nkf}ae`!3 ez av ka}dkz }dk gxxlafg`}, vxe{vk ez meikv}af xgz}`kz rdk}dkz ez è} lav}km e`}dk gxxlafg}ae`, jka`b }zkg}km ez jkk` }zkg}km nez a`nkz}ala}q ra}da` }dk lgv} := ie`}dv5 ]qxk en aixlg`}v $fazflk e`k!? vgla`k ez valafe`k

J. Mekv g`q nkiglk gxxlafg`} jk}rkk` }dk gbkv en 7:);; ik`v}z{g}k5

7. An qkv, lav} }dk `gikv en ngialq ikijkz$v!? UUUUUUUUUUUUUUUUUUUUUUUUUU3 UUUUUUUUUUUUUUUUUUUUUUUUU3 UUUUUUUUUUUUUUUUUUUUUU

:. Dgv a} jkk` iezk }dg` =8 mgqv va`fk dkz%}dkaz lgv} ik`v}z{gl xkzaem5 UUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUU

6. An Qkv, lav} }dk `gikv en ngialq ikijkz$v!? UUUUUUUUUUUUUUUUUUUUUUUUUU3 UUUUUUUUUUUUUUUUUUUUUUUUU3 UUUUUUUUUUUUUUUUUUUUUU

=. Xlkgvk ktxlga`? UUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUU

76. Mabkv}a~k vqv}ki v{fd gv? mavkgvk ez mavezmkz en }dk ie{}d, }e`b{k, kvexdgb{v ez v}eigfd3 {lfkz3 bgll jlgmmkz mavezmkz3 la~kz mavkgvk3 fazzdevav3 og{`mafk3gvfa}kv3 xg`fzkg}a}av3 fele`, a`}kv}a`gl ez zkf}gl xzejlkiv3 fela}av3 fdzeàf magzzdkg3 dkiezzdeamv3 dkzàg3 rkabd} ez kg}a`b xzejlkiv3 dkxg}a}av5An dkxg}a}av, }qxk$v!? G, J, F, e}dkz

7=. [za`gzq }zgf} v{fd gv? zk`gl felaf3 bzg~kl ez v}e`kv3 {zk}dzg, jlgmmkz, {zk}kz ez cam`kq xzejlkiv3 {za`gzq }zgf} a`nkf}ae`v3 v}zaf}{zk3 xqkle`kxdza}av5

7;. Vca` fe`ma}ae`v v{fd gv? vca` fg`fkz3 iklgèig3 xvezagvav3 ckzg}evav3 gf`k3 dkzxkv3 rgz}v3 jaz}digzcv3 vk~kzk j{z`v5

7>. Mavkgvkv ez xzejlkiv en }dk kqkv ez vabd}, kgzv ez dkgza`b, èvk ez jzkg}da`b, }dzeg} ez vrgllera`b v{fd gv? g`q a`nkf}ae`v en kqkv, kgzv, èvk ez }dzeg}3fzevvkm kqkv3 blg{feig3 fg}gzgf}v3 mk}gfdkm zk}a`g3 xelqxv3 mk~ag}km `gvgl vkx}{i3 ktfkvva~k vèza`b3 xzejlkiv ra}d }e`valv ez gmkèamv3 vlkkx gx`kg5

72. Gjèzigl lgjezg}ezq zkv{l}v v{fd gv jleem rezc3 t)zgqv3 KCB3 `kz~k fe`m{f}ae`3 jleem nler v}{makv3 IZA, F], XK] ez e}dkz vfg`v$v! $ktfkx} DA^ g`}ajemqmk}kf}ae` }kv}v!5

74. Xzev}dkvav, aixlg`}, ez zk}ga`km dgzmrgzk5 ]qxk? UUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUU



4/12F7:188)GK)G $4%78!

xGz} ; f{zzk`} ez zkfk`} xzkVfzax}ae` ikmafG}ae`V

An qe{ g`vrkzkm QKV }e w{kv}ae` 71 a` Xgz} =, xlkgvk xze~amk }dk mk}galv en }dk f{zzk`} g`m xzk~ae{v ikmafg}ae`v. An gmma}ae`gl vxgfk av kfkvvgzq }e xze~amk feixlk}k a`nezig}ae`, xlkg}}gfd g` gmma}ae`gl vdkk} en xgxkz. Jk v{zk }e amk`}anq }dk ngialq ikijkz, a`fl{mk gll a`nezig}ae` zkw{kv}km g`m vab g`m mg}k k~kzq g}}gfdik`}. Fdkfc dkzk nez g}}gfdik`}. f

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Ikmafg}ae` Zkgve` nez Zt Mevgbk Nzkw{k`fq

Xdqvafag` @gik Xde`k {ijkz Ikmafgl bze{x Xdqvafag` vxkfagl}q

Gmmzkvv V}k & Fa}q V}g}k _AX










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Gll w{kv}ae`v i{v} jk fdkfckm $6! Qkv ez @e. G`vrkz gv feixlk}klq g`m gff{zg}klq gv xevvajlk. N{ll mk}galv en g`q Qkv g`vrkzvi{v} jk ba~k` a` Xgz} >.

QKV

71. Dg~k qe{ ez g`q gxxlqa`b ngialq ikijkz }gck` ez jkk` rza}}k` g xzkvfzax}ae` nez ikmafg}ae`$v! a` }dk lgv} 7: ie`}dv5 An qkv, xlkgvk nall e{} Xgz} ;en }dav gxxlafg}ae`.

:8. A` }dk xgv} ; qkgzv, dg~k qe{ ez g`q gxxlqa`b ngialq ikijkz?

G. Jkk` g` a`xg}ak`} ez e{}xg}ak`} a` g devxa}gl, v{zbafgl fk`}kz, vgà}gza{i, ez e}dkz ikmafgl ngfala}q, a`fl{ma`b g` kikzbk`fq zeei, ez dgm v{zbkzq,a`fl{ma`b g`baexlgv}q, fevik}af%zkfe`v}z{f}a~k, jqxgvv ez }zg`vxlg`} v{zbkzq5

J. Dgm g`q all`kvv, xdqvafgl aò{zq, xkzvav}a`b ez `kr xdqvafgl vqix}eiv g`m%ez dkgl}d xzejlkiv è} ik`}ae`km klvkrdkzk e` }dav gxxlafg}ae` }dg} dg~kè} jkk` k~gl{g}km ez }dg} qe{ xlg` }e dg~k k~gl{g}km jq g lafk`vkm dkgl}d xzgf}a}ae`kz5

F. Jkk` gm~avkm }e dg~k, ez jkk` zknkzzkm nez, g ikmafgl ktgi, n{z}dkz }kv}a`b, }zkg}ik`} ez v{zbkzq rdafd dgv è} qk} jkk` xkznezikm jq g xdqvafag`,mk`}av}, ez e}dkz lafk`vkm dkgl}d xzgf}a}ae`kz5

M. Dgm g`q gxxlafg}ae` nez dkgl}d ez lank a`v{zg`fk zk~eckm, mkfla km, mknkzzkm, xev}xe`km, ez zkv}zaf}km a` g`q rgq5

Ngialq ikijkz? UUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUMg}k?UUUUU%UUUU%UUUU

Xlkgvk ktxlga`? UUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUU

:7. Gzk qe{ ez g`q gxxlqa`b ngialq ikijkz xzkvk`}lq g ikijkz en g v{xxez} bze{x5 ]qxk? UUUUUUUUUUUUUUUUUUUUUUUDer Le`b?UUUUUUUUUUU

::. Iglkv e`lq? Gzk qe{ ktxkf}a`b g fdalm ra}d g`qe`k, k~k` an }dk jaz}d ie}dkz av è} lav}km e` }dk gxxlafg}ae`5

:6. Iglkv g`m nkiglkv? Av ka}dkz }dk gxxlafg`}, vxe{vk, meikv}af xgz}`kz ez mkxk`mk`}, rdk}dkz ez è} lav}km e` }dk gxxlafg}ae`, f{zzk`}lq xzkb`g`},ez a` }dk xzefkvv en gmex}ae` ez v{zzebg}k xzkb`g`fq5

:=. Dg~k ez me qe{ ez g`q gxxlqa`b ngialq ikijkz?

G. Zkw{kv}km ez zkfka~km g xk`vae`, jk`kna}v ez xgqik`} jkfg{vk en g`q aò{zq, vafc`kvv, mavgjala}q en rezckzv feixk`vg}ae`5

J. Vieck$m! fabgzk}}kv5 Ngialq ikijkz? UUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUU Der ig`q xgfcv xkz mgq? UUUUUUUUUUUUU

Nez der ig`q qkgzv? UUUUUUUUU Dg~k qe{%}dkq v}exxkm5 UUUUUUUUUU An qkv, rdk`5UUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUU

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Flafc dkzk }e Gxxlq nez Jl{k Vdaklm en Fglanezàg


5/12F7:188)GK)G $4%78!


xGz} > ikmafGl fe`ma}ae` mk}GalV An e{ g`rkzkm qv }e g` en w{k}ae` 7:= ra}d }dk ktfkx}ae` en 71, :8, :=Jg`m :=F a` Xgz} =, bak n{ll mk}gal jkler nez kgfd fe`ma}ae`

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Lav}w{kv}ae``{ijkz

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Ikmafgl AM fgzm & $an g~galgjlk! Devxa}glakm5 f Qkv f @e Mg}kv?

KZ ~ava}v5 f Qkv f @e Mg}kv?

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@gik? Xde`k `{ijkz? $ ! Ikmafgl bze{x

Gmmzkvv? V}k &

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Gmmzkvv? V}k &

Fa}q V}g}k _AX

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Gmmzkvv? V}k &

Fa}q V}g}k _AX

Lav}w{kv}ae``{ijkz

Ngialq ikijkz `gik

g`m `gik {vkm e` mef}ez"v zkfezmv?









Gmmzkvv? V}k &

Fa}q V}g}k _AX



6/12F7:188)GK)G $4%78!

xGz} 4 xzaez ikmafGl fe~kzGbk Xlkgk g`rkz kgfd w{k}ae`

7. Mam qe{ ez g`q gxxlqa`b ngialq ikijkz dg~k e}dkz dkgl}d fe~kzgbk $a`v{zg`fk! ra}da` }dk lgv} >6 mgqv5 f QV f @

An è, be }e Xgz} 1An qkV, feixlk}k }dk nellera`b?

qxk en Fe~kzgbk nnkf}a~k mg}k? Fg`fkl mg}k? Dkgl}d xlg` fgzzakz ez FEJZ gmiaàv}zg}ez:. Gxxlafg`} f Bze{x f FG UUUU%UUUU%UUUU UUUU%UUUU%UUUU UUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUU

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6. An qe{ gzk gxxlqa`b nez g xlg` e}dkz }dg` g` DI, mam qe{ dg~k g xzaez dkgl}d xlg` }dg} fe~kzkm g`q en }dk fe`ma}ae`v fdkfckm qkva` Xgz} =5 fqv fÀn }dg} xlg` }kzia`g}km ra}da` >6 mgqv en }dk l{k Vdaklm zkfkax} mg}k en }dav gxxlafg}ae`, xlkgvk fdkfc dkzkf g`m v{jia} g fkz}anafg}k en fzkma}gjlkfe~kzgbk nzei qe{z xzk~ae{v dkgl}d fgzzakz. An qe{z gxxlafg}ae` av gxxze~km, rk rall gxxlq qe{z xzaez fzkma}gjlk fe~kzgbk }e zkm{fk g`q rga}a`b xkzaemqe{z xzk)ktav}a`b fe`ma}ae ktfl{vae` ra}d }dav xlg`. ]dk xzk)ktav}a`b fe`ma}ae` ktfl{vae` mekv è} gxxlq }e mkxk`mk`}v {`mkz }dk gbk en 71. Vkk }dk

V{iigzq en k`kna}v jeeclk} nez iezk e` xzk)ktav}a`b fe`ma}ae`v. Qe{ fg` fgll l{k Vdaklm g} $488! =67):481 nez gvvav}g`fk ej}gaà`b g fkz}anafg}k.

=. An qe{ gzk gxxlqa`b nez g` DI Xlg`, xlkgvk è}k }dg} xzkb`g`fq av g Rga~kzkm Fe`ma}ae`. k`kna}v nez xzkb`g`fq g`m ig}kzà}q vkz~afkv gzkè} fe~kzkm m{za`b }dk vat $>!)ie`}d xkzaem jkba`à`b gv en }dk knnkf}a~k mg}k en fe~kzgbk an qe{ zkfka~km xzkb`g`fq)zklg}km ikmafgl gm~afk,magbèvav, fgzk ez }zkg}ik`}, a`fl{ma`b xzkvfzax}ae` mz{bv, nzei g lafk`vkm dkgl}d xzgf}a}ae`kz m{za`b }dk vat ie`}dv aiikmag}klq xzkfkma`b }dknnkf}a~k mg}k en fe~kzgbk, ra}d }dk ktfkx}ae` en vkz~afkv zkw{azkm }e }zkg} a`~el{`}gzq feixlafg}ae`v en xzkb`g`fq. Derk~kz, an qe{ dg~k xzaefzkma}gjlk fe~kzgbk, g`m qe{ gxxlq nez fe~kzgbk ra}da` >6 mgqv gn}kz }kzia`g}ae` en }dk xzaez fe~kzgbk, l{k Vdaklm rall fzkma} }dk lk`b}d en }qe{ rkzk fe~kzkm e` qe{z xzk~ae{v dkgl}d xlg` }ergzm }dk vat)ie`}d xkzaem. Vkk }dk V{iigzq en k`kna}v jeeclk} nez iezk e` rga~kzkmfe`ma}ae`v. Qe{ fg` fgll l{k Vdaklm g} $488! =67):481 nez gvvav}g`fk ej}gaà`b g fkz}anafg}k.

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@gik en gxxlafg`} Mg}k en ~ava}?

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@gik en mkxk`mk`} Mg}k en ~ava}?

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Xdqvafag` gik Xde`k {ijkz Ikmafgl bze{x Xdqvafag` vxkfagl}q




7/12F7:188)GK)G $4%78!


E NEZ qEZ vAZ Eqv Z ZWAZ D EN XZ 1 78 EN DAv XXAFAE

xGz} 1 G{}dezaG}ae` nez zklkGVk en a`neziG}ae`

q vabà`b }dav nezi qe{ gzk g{}dezaa`b }dk zklkgvk en qe{z g`m%ez qe{z mkxk`mk`}v dkgl}dfgzk a`nezig}ae` jq g dkgl}dfgzk xze~amkz, a`v{zkz, a`v{zg`fk v{xxez} ezbgàg}ae` ezbgàg}ae`$rdafd a`fl{mkv fe`v{ikz zkxez}a`b gbk`fakv!, dkgl}d xlg`, ez qe{z a`v{zg`fk gbk`}, }el{k Vdaklm en Fglanezàg ez l{k Vdaklm en Fglanezàg Lank Dkgl}d A`v{zg`fk Feixg`q $fellkf)}a~klq, l{k Vdaklm! nez }dk x{zxevk en zk~akra`b qe{z gxxlafg}ae` nez l{k Vdaklm fe~kzgbk.

N{z}dkz, jq vabà`b }dav nezi qe{ gzk g{}dezaa`b l{k Vdaklm }e mavflevk v{fd dkgl}dfgzka`nezig}ae` }e g dkgl}dfgzk xze~amkz, a`v{zkz, vkln)a`v{zkz, a`v{zg`fk v{xxez} ezbgàg}ae`,dkgl}d xlg`, ez qe{z a`v{zg`fk gbk`} nez }dk x{zxevk en a`~kv}abg}a`b ez k~gl{g}a`bg`q flgai nez jk`k}v. ]dk dkgl}dfgzk a`nezig}ae` {vkm ez mavflevkm x{zv{g`} }e }davg{}dezag}ae` igq jk v{jokf} }e zk)mavflev{zk g`m igq è le`bkz jk xze}kf}km {`mkz }dknkmkzgl dkgl}d a`nezig}ae` xza~gfq lgrv.

Qe{ dg~k }dk zabd} }e zkn{vk }e vab` }dav g{}dezag}ae`. Derk~kz, l{k Vdaklm dgv }dk zabd}}e fe`ma}ae` qe{z g`m%ez qe{z mkxk`mk`}v klabajala}q nez fe~kzgbk g`m k`zellik`}mk}kzia`g}ae`v {xe` zkfkax} en }dav vab`km g{}dezag}ae`.

Qe{ gzk k`}a}lkm }e g fexq en }dav G{}dezag}ae` gn}kz qe{ vab` a}.

txazg}ae`? ]dav g{}dezag}ae` rall zkiga` ~glam? 7! nez }daz}q $68! ie`}dv nzei }dk mg}k en}dav g{}dezag}ae` nez }dk x{zxevkv en xzefkvva`b qe{z gxxlafg}ae`, xzefkvva`b g zkw{kv} nezzka`v}g}kik`}, ez xzefkvva`b g zkw{kv} nez g fdg`bk a` jk`k}v3 :! nez gv le`b gv igq jk

`kfkvvgzq nez xzefkvva`b en flgaiv a`f{zzkm m{za`b }dk }kzi en fe~kzgbk3 g`m 6! nez }dk}kzi en fe~kzgbk nez gll e}dkz gf}a~a}akv {`mkz }dk dkgl}d vkz~afkv gbzkkik`}%xelafq.

abd} }e k~eck? A {`mkzv}g`m }dg} A igq zk~eck }dav g{}dezag}ae` g} g`q }aik jqba~a`b rza}}k` è}afk en iq zk~efg}ae` }e l{k Vdaklm. A {`mkzv}g`m }dg} zk~efg}ae` en}dav g{}dezag}ae` rall è} gnnkf} g`q gf}ae` l{k Vdaklm dgv }gck` a` zklag`fk e` }davg{}dezag}ae` xzaez }e zkfka~a`b iq rza}}k` è}afk en zk~efg}ae`.

Gxxlafg`}%Xgzk`} $ez lkbgl b{gzmag`!

TUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUU

]emgqv mg}k

UUUUUUUUU%UUUUUUUUU%UUUUUUUUUUUU

Gxxlafg`}v vxe{vk%meikv}af xgz}`kz


]emgqv mg}k


Gxxlafg`} gbk 74 g`m e~kz


]emgqv mg}k


Gxxlafg`} gbk 74 g`m e~kz


]emgqv mg}k




8/12F7:188)GK)G $4%78!


xGz} 78 G{}dezaG}ae`V, }kziV . fe`ma}ae`Vxgv g r v g v g qe{z g{}dezag}ae` g`m ab`g}{zk gzk zkw{azkm jkler

7. Gg fg? A} av aixez}g`} }e cèr }dg} l{k Vdaklm en Fglanezàg ez l{k Vdaklm en Fglanezàg Lank Dkgl}d A`v{zg`fk Feixg$gv gxxlafgjlk! dgv }dk zabd} }e mkfla`k qe{z gxxlafg}ae` nez fe~kzgbk. `? A {`mkzv}g`m }dg} l{k Vdaklm igq {vk g`q ikmafgl a`nezig}aeà` zk~akra`b iq gxxlafg}ae`, a`fl{ma`b g`q ikmafgl fe`ma}ae` rdafd eff{zv gn}kz }dk vab`g}{zk g`m v{jiavvae` en }dk gxxlafg}ae` g`m jknezkg mkfavae` jq [`mkzrza}a`b av igmk.

:. nv iv mv%xv? G}}gfd g xkzve`gl fdkfc ez ie`kq ezmkz }e }dav gxxlafg}ae` a` g` gie{`} kw{gl }e e`k ie`}dvM{kv%Xzkia{iv. Na`m qe{z kv}aig}km ie`}dlq m{kv%xzkia{iv a` }dk zg}k jeec xze~amkm }e qe{. Ngal{zk }e v{jia} n{ll xgqik`}en M{kv%Xzkia{iv igq mklgq xzefkvva`b g`m }dk knnkf}a~k mg}k en fe~kzgbk. Xlkgvk è}k }dg} fgvda`b en qe{z fdkfc mekv è} fe`v}a}{}kgxxze~gl en qe{z gxxlafg}ae` ra}d l{k Vdaklm ez l{k Vdaklm Lank. An qe{z gxxlafg}ae` av è} gxxze~km, }dav gie{`} rall jk zkn{`mkm }e qe{.

6. mv%xv? M{kv%Xzkia{iv gzk }e jk xgam jq }dk nazv} mgq en }dk jalla`b xkzaem. Fe~kzgbk rall jk }kzia`g}km nez ngal{zk }e xgqM{kv%Xzkia{iv a` g }aiklq ig``kz gv vk} nez}d a` }dk Dkgl}d Vkz~afk Gbzkkik`}%Xelafq.

=. k mg fg? An qe{z gxxlafg}ae` av gxxze~km, l{k Vdaklm rall è}anq qe{ en qe{z knnkf}a~k mg}k en fe~kzgbk. An l{k Vdaklmfg`è} deèz qe{z zkw{kv}km knnkf}a~k mg}k, ez av {`gjlk }e avv{k fe~kzgbk jknezk qe{z zkw{kv}km mg}k, fe~kzgbk rall jkba` gv vee` gv xevvajAn gmma}ae`gl M{kv%Xzkia{iv gzk erkm, xgqik`} i{v} jk zkfka~km ra}da` }dk }aik vxkfanakm a` }dk è}afk nzei l{k Vdaklm }e g~eam fdg`ba`b}dk knnkf}a~k mg}k. G`q fdgzbkv a`f{zzkm nez vkz~afkv zkfka~km xzaez }e qe{z knnkf}a~k mg}k ez gn}kz }kzia`g}ae` en fe~kzgbk gzk è} fe~kzkm.

;. k G? An gxxze~km, }dav gxxlafg}ae` $a`fl{ma`b }dk dkgl}d w{kv}ae``gazk!, }ebk}dkz ra}d }dk k~amk`fk en fe~kzgbk g`m dkgl}dvkz~afkv gbzkkik`}%xelafq nez a`ma~am{glv g`m ngialakv, g`q k`mezvkik`}v, gxxk`mafkv, g`m g}}gfdik`}v }dkzk}e, rall fellkf}a~klq fe`v}a}{}k }dk`}azk gbzkkik`} nez fe~kzgbk. Qe{z gbk`} fg`è} gxxze~k }dav gxxlafg}ae` nez fe~kzgbk ez fdg`bk g`q }kziv ez fe`ma}ae`v en fe~kzgbk.

>. xgv%bggv? An qe{ gzk }dk xgzk`} ez lkbgl b{gzmag` en g` gxxlafg`} rde av g iaèz, xlkgvk vab` e` jkdgln en }dk gxxlafg`} g} }dk je})}ei en }dav Xgz} 78. Gv }dk xgzk`} ez lkbgl b{gzmag`, qe{ gzk amk`}anakm gv }dk xkzve` rde igq igck a`w{azakv g`m gf} e` jkdgln en }dk gxxlafg`}

zkbgzma`b }dav fe~kzgbk $gv gllerkm jq lgr!. A` gmma}ae`, qe{ gzk gbzkka`b }e gvv{ik gll zkvxe`vajala}q nez M{kv%Xzkia{iv xgqik`}v g`m nez nellera`b }dk }kziv g`m fe`ma}ae`v nez fe~kzgbk. An qe{ gzk è} }dk xgzk`} en }dk gxxlafg`}, xlkgvk g}}gfd }dk fe{z} mef{ik`}v }dg} gxxea`} qe{ gv }dkb{gzmag` en }dav iaèz. Igzc e`k en }dk nellera`b jetkv g`m amk`}anq }dk a`ma~am{gl g{}dezakm }e gf} e` jkdgln en }dk iaèz $gxxlafg`}!?

Xgzk`} ez lkbgl b{gzmag` e`lq?UUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUU $`gik! ez,

Iq mkvab`kkUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUU $a`fl{mk `gik g`m zklg}ae`vdax!

W{glanakm Ikmafgl Fdalm V{xxez} zmkz mkvab`kkUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUU $a`fl{mk `gik g`m zklg}ae`vd

Igzc }dav jet an l{k Vdaklm av }e e`lq igck fdg`bkv }e }dk fe`}zgf} {xe` rza}}k` zkw{kv} jq }dk xkzve` amk`}anakm gje~k.

2. Gg Vv%mv xg ig fgv? An qe{ gzk g` gxxlafg`} rdevk vxe{vk%meikv}af xgz}`kz av glve gxxlqa`bnez fe~kzgbk, xlkgvk vxkfanq an qe{ g{}dezak qe{z vxe{vk%meikv}af xgz}`kz }e igck gmma}ae`v ez fdg`bkv }e }dk gxxlafg}ae`%fe`}zgf}%xelafqe` qe{z jkdgln. Qkv. @e. `? Qe{ igq mavfe`}a`{k }dav g{}dezag}ae` g} g`q }aik jq vk`ma`b g rza}}k` zkw{kv} }e l{k Vdaklm.

4. zvv zwv ag? Qe{ gbzkk }e feexkzg}k ra}d l{k Vdaklm $ez l{k Vdaklm Lank, gv gxxlafgjlk! jq xze~ama`b, ez jq xze)~ama`b gffkvv }e, mef{ik`}v g`m e}dkz a`nezig}ae` zkw{kv}km }e fezzejezg}k a`nezig}ae` xze~amkm a` }dav gxxlafg}ae` nez fe~kzgbk. Qe{gfcèrlkmbk g`m gbzkk }dg} ngal{zk ez zkn{vgl }e xze~amk }dkvk mef{ik`}v ez a`nezig}ae`, igq jk fg{vk }e zkvfa`m ez fg`fkl qe{z fe~kzgbk.

1. DA~ ez k`k}af k}a`b Xzedaja}km? e bk`k}af a`nezg}ae`, a`fl{ma`b ngal kmafgl da}ez, g`m è a`nezg}ae` zklg}km }e DA~}k}a`b de{lm jk xzeamkm Fglanezàg lgr xzedaja} g` DA~ }k} nze jka`b zkw{azkm ez {km j g dkgl}d a`{zg`fk fexg` ezdkgl}d fgzk kzafk xlg` g g fe`ma}ae` en ej}gaà`b dkgl}d fekzgbk

Gll GxxlafG`}V Gbk 74 G`m elmkz i{V} Vab` G`m mG}k }daV GxxlafG}ae` ckkx G fexq en }daV GxxlafG}ae` nez qe{z zkfezm

A dg~k zk~akrkm gll zkvxe`vkv xkz}gaà`b }e ik a` }dav gxxlafg}ae`. A dg~k zkgm }dk v{iigzq en jk`kna}v g`m }dk }kziv g`m fe`ma}ae`v en fe~kz)gbk g`m g{}dezag}ae`v vk} nez}d gje~k. Ra}d iq er` vab`g}{zk jkler, A zkxzkvk`} }dg} }dk a`nezig}ae` xze~amkm a` }dav gxxlafg}ae` av feixlk}kg`m gff{zg}k }e }dk jkv} en iq cèrlkmbk, g`m A {`mkzv}g`m g`m gbzkk }e }dk }kziv g`m fe`ma}ae`v en fe~kzgbk g`m }dk g{}dezag}ae`v A dg~kxze~amkm. A gle`k gi zkvxe`vajlk nez }dk gff{zgfq g`m feixlk}k`kvv en }dk a`nezig}ae` xze~amkm e` }dav gxxlafg}ae`. A dg~k xkzve`gllq zk~akrkma`nezig}ae` xze~amkm e` }dav gxxlafg}ae`, k~k` an A mam è} nall e{} }dk gxxlafg}ae` iqvkln. ]e }dk jkv} en iq cèrlkmbk g`m jklakn, gll a`nezig}aee` }dav gxxlafg}ae`, a`fl{ma`b gll a`nezig}ae` xze~amkm a` }dk ikmafgl dav}ezq vkf}ae` en }dav gxxlafg}ae`, av gff{zg}k, }z{k g`m feixlk}k. A {`mkz)v}g`m }dg} fe~kzgbk igq jk fg`fkllkm ez zkvfa`mkm an l{k Vdaklm mk}kzia`kv }dg} a`nezig}ae` e` }dav gxxlafg}ae` av ig}kzagllq a`gff{zg}k, è} }z{ez a`feixlk}k, }e }dk kt}k`} xkzia}}km jq gxxlafgjlk lgr. A n{z}dkz {`mkzv}g`m }dg} A i{v} xze~amk l{k Vdaklm ra}d g`q `kr a`nezig}ae` }dg}gzavkv gn}kz }dk v{jiavvae` en }dav gxxlafg}ae` j{} jknezk iq k`zellik`} ra}d l{k Vdaklm jkba`v. $Aixez}g`}? gfd gm{l} gxxlafg`} i{v} xze~amk

}dkaz er` vab`g}{zk.!

Vab`g}{zk en gxxlafg`} $ez lkbgl b{gzmag`!

TUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUU

]emgqv mg}k $zkw{azkm!

UUUUU%UUUUU%UUUUUUUUU

Xza`} `gik $g`m zklg}ae`vdax an gxxlafg`} av g iaèz!

UUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUU

Vab`g}{zk en gxxlafg`}v vxe{vk%meikv}af xgz}`kz $an gxxlqa`b!




Xza`} `gik


Vab`g}{zk en ngialq ikijkz gbk 74 g`m e~kz $an gxxlqa`b!




Xza`} `gik


Vab`g}{zk en ngialq ikijkz gbk 74 g`m e~kz $an gxxlqa`b!




Xza`} `gik




9/12F7:188)GK)G $4%78!

xGz} 77 V}G}kik`} en b{GzG`}kkm aVV{k klabaJala}q an Gxxlqa`b nez G daxGG b{GzG`}kkm)aVV{k xlG`

An qe{ dg~k g xzk)ktav}a`b fe`ma}ae` g`m gzk fe`fkz`km gje{} ej}gaà`b dkgl}d fgzk fe~kzgbk, l{k Vdaklm ennkzv g` gl}kz`g}a~k }dg} qe{ igq rg}e fe`vamkz.

]dk nkmkzgl Dkgl}d A`v{zg`fk Xez}gjala}q g`m Gffe{`}gjala}q Gf} $DAXGG! igckv a} kgvakz nez xkexlk fe~kzkm {`mkz ktav}a`b bze{x dkgl}d xlg`v }e ig}ga` fe~kzgbk zkbgzmlkvv en xzk)ktav}a`b fe`ma}ae`v rdk` }dkq fdg`bk oejv ez gzk {`kixleqkm nez jzakn xkzaemv en }aik. Mkxk`ma`b e` qe{z zkvxe`}e }dk v}g}kik`}v jkler, qe{ igq jk klabajlk nez b{gzg`}kkm avv{k a` gffezmg`fk ra}d DAXGG, g`m l{k Vdaklm rall g{}eig}afgllq gffkx} qe{z gxxlafg}aenez e`k en a}v b{gzg`}kkm avv{k xlg`v. gfd xkzve` e` }dk gxxlafg}ae` i{v} ikk} DAXGG klabajala}q zkw{azkik`}v }e w{glanq nez g b{gzg`}kkm avv{k x

An qe{ gzk gxxlqa`b nez fe~kzgbk e` jkdgln en g`q mkxk`mk`}v rde gzk è} klabajlk nez g b{gzg`}kkm avv{k xlg`, }dkaz fe~kzgbk rall jk v{jokf} }eikmafgl {`mkzrza}a`b, ktfkx} nez fdalmzk` rde rkzk k`zellkm {`mkz g`q xzaez fzkma}gjlk fe~kzgbk ra}da` 68 mgqv en }dk jaz}d ez xlgfkik`} nezgmex}ae`. G mkxk`mk`} fdalm rde av :; qkgzv en gbk ez qe{`bkz ez g mkxk`mk`} vxe{vk gxxlqa`b nez b{gzg`}kkm avv{k i{v} feixlk}k g vkxgzg}V}g}kik`} en B{gzg`}kkm Avv{k labajala}q $l{k Vdaklm rall gffkx} fexakv en }dk V}g}kik`} en B{gzg`}kkm Avv{k labajala}q!. Nez gmma}ae`gl gxxlafg}

ez f{zzk`} b{gzg`}kkm avv{k zg}kv, xlkgvk fe`}gf} qe{z l{k Vdaklm gbk`} ez fgll l{k Vdaklm g} $488! =67):481.

V}G}kik`} en b{GzG`}kkm aVV{k klabaJala}q . fdkfclaV} an Gxxlqa`b nez G daxGG b{GzG`}kkm)aVV{k xlG`

xgv r wvg g v g bgg avv v g j bgg

avv g g j

Qkv @e 7. A dg~k dgm g }e}gl en g} lkgv} 74 ie`}dv en dkgl}d fgzk fe~kzgbk $a`fl{ma`b FG ez Fgl)FG, an gxxlafgjlk!

ra}de{} g lgxvk a` fe~kzgbk en iezk }dg` >6 mgqv $ktfl{ma`b kixleqkz)aixevkm rga}a`b xkzaemv!.

Qkv @e :. Iq iev} zkfk`} fe~kzgbk rgv }dze{bd g` kixleqkz)vxe vezkm dkgl}d xlg` $FG g`m Fgl)FG gzk fe`vamkzkm

kixleqkz)vxe`vezkm fe~kzgbk!.

Qkv @e 6. A gffkx}km g`m ktdg{v}km g`q g~galgjlk FG g`m%ez Fgl)FG fe~kzgbk. $An FG%Fgl)FG rkzk è} g~galgjlk,

fdkfc qkv!.

FG%Fgl)FG fe~kzgbk mg}kv UUU%UUU%UUUUUU }dze{bd UUU%UUU%UUUUU

FG Gmiaàv}zg}ez UUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUU ]klkxde`k UUUUUUUUUUUUUUUUU

A`v{zg`fk Fgzzakz UUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUU ]klkxde`k UUUUUUUUUUUUUUUUU

An qe{z iev} zkfk`} fe~kzgbk rgv kixleqkz)vxe`vezkm g`m qe{ rkzk è} klabajlk nez FG g`m%ez Fgl)FG

fe~kzgbk, xlkgvk ktxlga`? UUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUUU

Qkv @e =. A gi f{zzk`}lq klabajlk nez fe~kzgbk {`mkz g bze{x ez kixleqkz vxe`vezkm dkgl}d xlg`, Ikmafgzk ez Ikmafgam.

Qkv @e ;. Iq iev} zkfk`} fe~kzgbk }kzia`g}km jkfg{vk en è`xgqik`} en m{kv%xzkia{i ez nzg{m.

a gvrv vgv 7, : . 6 g v, g gvrv vgv = . ; g , gv g vv j g g gg vv g

b{GzG`}kkm aVV{k fe~kzGbk ex}ae`V $xlkGVk Vklkf} e`k!

G. An qe{ cèr }dg} qe{ rall è} w{glanq nez fe~kzgbk, ez me è} rg`} }e gxxlq nez g` {`mkzrza}}k` xlg`, fdkfc }dav jet?

Avv{k }dk B{gzg`}kkm Avv{k Xlg` e`lq. Va`fk A dg~k fdevk` }dav ex}ae`, A {`mkzv}g`m }dg} A rall è} jk fe`vamkzkm nez g` {`mkzrza}}k` xlg`

J An qe{ gzk gxxlqa`b nez je}d B{gzg`}kkm Avv{k g`m g` {`mkzrza}}k` xlg`, vklkf} e`k en }dk nellera`b?

B{gzg`}kkm Avv{k fe~kzgbk g} }dk kgzlakv} knnkf}a~k mg}k, ve }dg} A gi fe~kzkm m{za`b }dk {`mkzrza}a`b xzefkvv en }dk a`ma~am{gl xlg`.

$A {`mkzv}g`m }dg} an iq gxxlafg}ae` nez }dk {`mkzrza}}k` xlg` av gxxze~km, A rall g{}eig}afgllq jk }zg`vnkzzkm }e }dk {`mkzrza}}k` xlg`.

An a} av è} gxxze~km, A rall fe`}a`{k }e zkfka~k B{gzg`}kkm Avv{k.!

Avv{k }dk B{gzg`}kkm Avv{k xlg` e`lq an A gi è} gxxze~km nez }dk {`mkzrza}}k` xlg`. $A {`mkzv}g`m }dg} A rall è} dg~k g`q fe~kzgbk {`}al

iq gxxlafg}ae` nez }dk {`mkzrza}}k` xlg` av xzefkvvkm g`m ka}dkz gxxze~km ez mkfla`km.!

b{GzG`}kkm aVV{k xlG` ex}ae`V $xlkGVk Vklkf} e`k!

Gffkvv# DI xgfcgbk Vdaklm Vg~a`bv =888/

Vdaklm Vxkf}z{i XX ;;88 Vdaklm Vxkf}z{i XX ;888/

Gffkvv# ^gl{k DI

q vabà`b }dav v}g}kik`} A ~kzanq }dg} A dg~k zkgm g`m {`mkzv}eem }dk klabajala}q fe`ma}ae`v lav}km gje~k g`m }dg} gll en

}dk a`nezig}ae` av }z{k g`m fezzkf}.

Vab`g}{zk en gxxlafg`} ez lkbgl b{gzmag` ]emgqv mg}k $zkw{azkm! Xza`} `gik

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10/12F7:188)GK)G $4%78!

xGz} 7: xzem{fkz a`neziG}ae` iv j j x

7. Mam qe{ feixlk}k }dav gxxlafg}ae`5 fQkv f@e

:. An qkv, mam qe{ gvc kgfd w{kv}ae` a` }dav gxxlafg}ae` ktgf}lq gv vk} nez}d5 fQkv f@e

6. Gzk }dk g`vrkzv zkfezmkm ktgf}lq gv ba~k` }e qe{5 fQkv f@e, g}}gfd ktxlg`g}ae`.

=. Mam qe{ vkk }dk gxxlafg`}5 fQkv f@e

;. Gzk qe{ grgzk en g`q a`nezig}ae` è} mavflevkm a` }dav gxxlafg}ae` en dkgl}d, rdafd igq dg~k g jkgza`b e` }dav zavc5fQkv, g}}gfd ktxlg`g}ae` f@e

>. k~akr g`m vklkf} e`k en }dk nellera`b?

f A mam è} gvvav} }dk gxxlafg`} a` g`q rgq a` feixlk}a`b ez v{jia}}a`b }dav gxxlafg}ae`. Gll a`nezig}ae` rgv feixlk}km jq }dk gxxlafg`} ra}dgvvav}g`fk ez gm~afk en g`q ca`m nzei ik.

f A gvvav}km }dk gxxlafg`} a` v{jia}}a`b }dav gxxlafg}ae`. Gll a`nezig}ae` a` }dk dkgl}d w{kv}ae``gazk rgv xze~amkm jq }dki. A gm~avkm }dkgxxlafg`} }dg} }dkq vde{lm g`vrkz gll w{kv}ae`v feixlk}klq g`m }z{}dn{llq g`m }dg} è a`nezig}ae` zkw{kv}km e` }dk gxxlafg}ae` vde{lm jkra}ddklm. A ktxlga`km }dg}, an a`nezig}ae` av ra}ddklm, }dg} fe{lm zkv{l} a` }dkaz fe~kzgbk jka`b fg`fkllkm lg}kz. ]dk gxxlafg`} a`mafg}km }e i}dg} }dkq {`mkzv}eem }dkvk a`v}z{f}ae`v g`m rgzà`bv. ]e }dk jkv} en iq cèrlkmbk, }dk a`nezig}ae` e` }dk gxxlafg}ae` av feixlk}k g`mgff{zg}k. A {`mkzv}g`m }dg}, an g`q xez}ae` en }dav v}g}kik`} jq ik av nglvk, A igq jk v{jokf} }e fa~al xk`gl}akv en {x }e -78,888.

2. Me qe{ rg`} }dk vkz~afk gbzkkik`}%xelafq vk`} mazkf}lq }e }dk v{jvfzajkz5 fQkv f@e

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11/12F7:188)GK)G $4%78!

knezk qe{ vk`m a` qe{z gxxlafg}ae` nez

xzefkvva`b, rk v{bbkv} qe{ be }dze{bd

}dav fdkfclav}. Igck v{zk kgfd jet av

fdkfckm enn ve }dg} qe{z gxxlafg}ae` av

xzefkvvkm gv w{afclq gv xevvajlk.

Igck v{zk qe{ g`m kgfd gxxlqa`b ngialq

ikijkz dg~k?

G`vrkzkm k~kzq w{kv}ae`, k~k` an qe{ gzk

è} v{zk a} gxxlakv }e qe{.

Xza`}km flkgzlq a` jl{k ez jlgfc a`c.

Vklkf}km g Xkzve`gl Xdqvafag` e`lq an

qe{ gzk gxxlqa`b nez Gffkvv# DI ez

Gffkvv# ^gl{k DI3 vklkf}km g Mk`}gl

xze~amkz e`lq an qe{ gzk gxxlqa`b nez

Mk`}gl DI.

A`mafg}km qe{z xgqik`} ex}ae` a` Xgz} 7

en }dk gxxlafg}ae`. An qe{ fdevk fzkma}

fgzm xgqik`}v ez gvq-Xgq, qe{ i{v}

feixlk}k }dk g{}dezag}ae` nezi e`

}dk zk~kzvk vamk en }dav xgbk g`m vk`m

a} a` rdk` qe{ v{jia} qe{z gxxlafg}ae`

}e l{k Vdaklm.

V}gxlkm g xkzve`gl fdkfc ez ie`kq ezmkz

}e qe{z gxxlafg}ae` a` g` gie{`} kw{gl

}e }dk m{kv%xzkia{iv nez }dk nazv} ie`}d

en fe~kzgbk.

Vab`km Xgz} 1 g`m 78 en }dk gxxlafg}ae`.

Vab`g}{zkv jq gll gxxlafg`}v $gbk 74

g`m e~kz! gzk zkw{azkm.

k}{z`km }dk gxxlafg}ae` ra}da` 68 mgqv

en qe{z mg}k g`m vab`g}{zk.

Gxxlafg}ae` Fdkfclav}

[va`b }dk zg}k jeec xze~amkm }e qe{,

fglf{lg}k qe{z zg}kv ez }glc }e qe{z gbk`}

}e bk} kv}aig}km zg}kv. Qe{ igq zkfka~k

zg}kv dabdkz }dg` qe{z gbk`} w{e}km qe{

jgvkm e` [`mkzrza}a`b mk}kzia`g}ae .

Nez }dk nazv} ie`}dv m{kv%xzkia{i

v}gxlk g xkzve`gl fdkfc ez ie`kq ezmkz

}e qe{z gxxlafg}ae` a` g` gie{`} kw{gl}e }dk m{kv%xzkia{iv nez nez e`k ie`}d,

xgqgjlk }e l{k Vdaklm. An xgqa`b nazv}

ie`}dv m{kv%xzkia{i jq fzkma} fgzm

xlkgvk nall e{} }dk zkw{azkm a`nezig}ae`

e` Xgbk 7:.

Xgk`} Ex}ae`

V{jvkw{k`} m{kv%xzkia{iv i{v} jk

xgam a` gm~g`fk. l{k Vdaklm ennkzv ne{z

xgqik`} ik}demv. Xlkgvk vklkf} g jalla`bex}ae` jkler?

7. gvq-Xgq Ie`}dlq Xgqik`} ie`}dlq

xgqik`}v gzk dg`mlkm g{}eig}afgllq,

~ag klkf}zeàf }zg`vnkz nzei qe{z

fdkfca`b ez vg~a`bv gffe{`}.

:. Fzkma} Fgzm Xgqik`} ie`}dlq%

w{gz}kzlq $vklkf} nzkw{k`fq e`

nellera`b xgbk! xgqik`}v gzk

dg`mlkm g{}eig}afgllq, ~ag klkf}zeàf

fdgzba`b }e qe{z fzkma} fgzm.

6. Ie`}dlq $68 mgqv! mazkf} jalla`b

=. W{gz}kzlq $18 mgqv! mazkf} jalla`b

g-Xg g`m Fzkma} Fgzm

Xgk`} Ex}ae`

} v Gg xgv?

Feixlk}k }dk g{}dezag}ae` nezi e`}dk `kt} xgbk g`m zk}{z` a} ra}d qe{z

gxxlafg}ae`. An qe{ dg~k vklkf}km gvq-Xgq

gv qe{z xgqik`} ex}ae` xlkgvk v}gxlk g

mkxeva} vlax ez jlg`c fdkfc igzckm ÂM

}e qe{z g{}dezag}ae` nezi g

g v%v . An

qe{ xzknkz è} }e g}}gfd g ~eamkm fdkfc ez

mkxeva} vlax, qe{ i{v} xze~amk }dk ze{}a`b%

}zg`va} `{ijkz en qe{z na`g`fagl a`v}a}{}ae`.

Jalla`b A`neig}ae`

Qe{ gzk klabajlk nez g`q A`ma~am{gl NgialqDkgl}d Xlg` an qe{? gzk g Fglanezàg zkvamk`},

gzk a`klabajlk nez Ikmafgzk, g`m gzk è}

gbk >; ez e~kz.

An qe{z gxxlafg}ae` av gxxze~km, qe{ igq

jk klabajlk }e zkfka~k Gffkvv# DI ez

Gffkvv# ^gl{k DI jk`kna}v e` }dk nazv} en

}dk ie`}d nellera`b l{k Vdaklmv gxxze~gl

mg}k, g`m e` g`q mgq en }dk ie`}d, ktfkx}

nez }dk :1}d, 68}d ez 67v} en }dk ie`}d

nellera`b l{k Vdaklmv gxxze~gl mg}k nez

g`q ANX XX Xlg`.

Qe{z vxe{vk ez Meikv}af Xgz}`kz ${`mkz gbk>;! g`m mkxk`mk`} fdalmzk` {`mkz gbk :>,

gzk klabajlk }e gxxlq nez mkxk`mk`} fe~kzgbk.

Fgll l{k Vdaklm g} $488! 6;7):=>; ez }glc }e

qe{z gbk`} }e na`m e{} rdafd ex}ae` av jkv}

nez qe{.

xvv G J V zgv xvg ag ev?

An qe{ re{lm lack }e g{}dezak qe{z vxe{vk,

meikv}af xgz}`kz ez g }dazm xgz}q }e gffkvv

qe{z xkzve`gl dkgl}d a`nezig}ae`, xlkgvk

feixlk}k }dk nezi }a}lkmG{}deazg}ae`

ne Jl{k Vdaklm }e Mavflevk Xkve`gl . Dkgl}d

A`neig}ae` }e g ]dam Xg}q. ]e ej}ga`

}dav nezi be }e jvg

ez fgll $488! =67):481.

Bk`kgl A`neig}ae`



12/12

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Gi? f G kr G{}eig}af Xgqik`} gxxlafg`} fG f{zzk`} G{}eig}af Xgqik`} {vkz zkxez}a`b g fdg`bk $zkw{azkv 68)mgq e}afk!

k}dem en G{}eiG}af xGqik`}? f Kgvq-Xgq $feixlk}k Xgz}v G g`m F e`lq!? Fdkfca`b Gffe{`} Vg~a`bv Gffe{`} $fazflk e`k!f Fzkma} Fgzm/ $feixlk}k Xgz}v J g`m F e`lq!

Gz} G $f %vgv g jv !

mg $fdeevk e`k!? DIE g`m Mk`}gl DIE V{jvfzajkzv i{v} {vk 7v} en ie`}d. f 7v} en ie`}d, ez f 7;}d en ie`}d`c ze{}a`b%}zg`vnkz {ijkz Jg`c gffe{`} {ijkz

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mg $fdeevk e`k!? f Ie`}dlq f W{gz}kzlq

kma} fgzm {ijkz Fgzm ]qxk? f âvg f Igv}kzFgzm Ktxazg}ae` Mg}k $II%QQQQ!

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ik en v{jvfzajkz V{jvfzajkzv mgq}aik xde`k `{ijkz $ !

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vgf}ae k~kz ngalv $k.b., e~kz laia}, ktxazkm!, Jl{k Vdaklm rall igal g jall }e ik }e iq gmmzkvv e zkfezm g`m A rall jk zkvxe`vajlk nez igca b iq xgqik } jq fdkfc ez ie`kq ezmkz.ma}ae`gl a`nezig}ae` an xgqa`b nazv} ie`}dv m{kv%xzkia{i e`lq jq fzkma} fgzm?

lq }dk nazv} ie }dv m{kv%xzkia{i jet av fdkfckm, }dav g{}dezag}ae av e lq ~glam }e fdgzbk }dk nazv} ie }dv m{kv%xzkia{i erkm }e Jl{k Vdaklm. A {`mkzv}g`m iq fzkma} fgzm rall jk fdgzbkm nez }dk kv}aig}km nazv} ie }dv m{kv%xzkia{i aiikmag}k zkfkax} en iq gxxlafg}ae 3 derk~kz, }dav xgqik } mekv è} fe`v}a}{}k gxxze~gl en iq gxxlafg}ae , g`m an iq gxxlafg}ae av gffkx}km, g mannkzk } zg}k igq gxxlq. An A gi gffkx}km g} g mannkzk } zg}k, }dk mannkzk`fk a m{kv%xzkia{i i{v} jk xgam xzae

dk ezaba gl knnkf}a~k mg}k en fe~kzgbk. Jl{k Vdaklm rall è} g{}eig}afgllq fdgzbk }dk mannkzk`fk a zg}k erkm }e }dk fzkma} fgzm ra}de{} g vkxgzg}k g{}dezag}ae nzei }dk v{jvfzajkz.}afk }e fdg`bk%fg`fkl zkw{azkm?l fe }a {k }e jk mkja}km%fdgzbkm }dk gie{ } en m{kv%xzkia{i erkm { }al A fg`fkl }dav G{}eig}af Xgqik } g{}dezag}ae {xe g} lkgv} 78 fglk`mgz mgqv è}afk jknezk g mkja}%fdgzbk av }e eff{z. ]e fg`fkl }dav g{}eig}af xgqik } g{}dezag}ae , ez ak gzk fdg`bkv }e iq gffe{ } jka b mkja}km%fdgzbkm, A i{v} fe }gf} F{v}eikz Vkz~afk g} $488! =67):481. Jl{k Vdaklm igq fg`fkl }dav g{}dezag}ae g} g`q }aik {xe è}afk }e ik.ab a b jkler, A gbzkk }e }dk }kziv g`m fe`ma}ae`v en }dav g{}dezag}ae nezi $an }dk jg`c gffe{ } av g oea } gffe{ }, gll gffe{ }delmkzv i{v} vab ! g`m A gfcèrlkmbk }dg} A dg~k zkfka~km g fexq en }dav nezi. A gfcèrlkmbk }dg} gll xgqik }vgf}ae`v i{v} feixlq ra}d }dk xze~avae`v en [.V. lgr. A rall igck xgqik }v jq fdkfc ez ie`kq ezmkz { }al iq g{}eig}af xgqik } vkz~afk dgv jkk gf}a~g}km.

`g}{zk Mg}k Vab`g}{zk Mg}k

`} `gik Zklg}ae`vdax Xza`} `gik Zklg}ae`vdax

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Blue Shield of California Individual Family Application C12900-A 1-2011

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Transcript of Blue Shield of California Individual Family Application C12900-A 1-2011