9 Imizekelo yoBuqhetseba bokuXhatshazwa kwabasebenzi

by Marianne Bonner

Inkohlakalo yomshuwalense iyanda kakhulu kwimbuyekezo yabasebenzi. Abaphangi bangaba ngabaqeshi, abasebenzi, ababoneleli okanye malunga nabani na ababandakanyekayo kwinkqubo. Nayi imimiselo yekhredithi yomshuwalense.

01 - Umdlalo weShell

Xa abaqeshi behlawula ubuqhetseba bemisebenzi yokukhwabanisa, iinjongo zabo zivame ukuphepha ukuhlawula iintlawulo zee-premiums. Abaqeshi basebenzisa iindlela ezahlukeneyo zokufeza le njongo. Enye ibandakanya ukusetyenziswa kweenkampani zegobolondo. Le ndlela yayiyindlela yokusebenzisa indoda yaseMzantsi California.

Umenzi wobubi wayeSekela likaSheriff kwiSekela laseLos Angeles. Wadala iinkampani ezininzi zokukhusela ngegama elifanayo okanye elifanayo. Iifemu eziqeshwe malunga nama-2,700 abasebenzi baseCalifornia.

ISekela lidale inkampani yokubamba inkohliso. Emva koko waqinisekisa le nkampani phantsi komgaqo-nkqubo wokuhlawulela abasebenzi. Waxelela umgcini-mali wakhe ukuba ishishini lakhe liqeshe abasebenzi abangama-35 kuphela. Akazange athengise nayiphi na inkcazo yeenkampani eziqeshe abasebenzi abaninzi. ISekela langeniswa ngamabango phantsi komgaqo-nkqubo ohlanganisa enye inkampani yabasebenzi abaqeshwe ngabanye. Umshuwalense wenkampani ungayifumanga iskimu sakhe xa kuqhutywa intlawulo yophicotho-mali .

ISekela linetyala lokubanjwa ngokubanzi kwezabasebenzi, ukukhwabanisa kwe-inshorensi kunye nokusetyenziswa ngokungekho mthethweni kwezixhobo zokuhlaselwa. Wafumana isigwebo seminyaka emihlanu esityeshelwe ukukhwabanisa kwaye wanikwa umyalelo wokusebenza okungenani iintsuku ezingama-240. Ukukhohlisa kwakhe kwindleko yakhe yomshuwalense uqikelele kwi-10.1 yezigidi kwiimali-mali ezilahlekileyo.

02 - Abanikazi, Abasebenzi

Abanye abaqeshi bazame ukunciphisa i-premium yempesimenti yabasebenzi ngokungahambisani nabasebenzi okanye ukuhlawula i-payroll. Indoda yaseWashington yenza ezo zombini. Njengoko kamva wafumanisa, izenzo ezinjalo zinokuba nemiphumo eninzi kakhulu.

Le ndoda nomkakhe basebenze ishishini lokumisa eWashington. IWashington yindawo yokuzimela , kwaye yonke imigaqo-nkqubo yembuyekezo ikhutshwa liSebe lezeMisebenzi kunye namaZiko (i-L & I). Umnini-shishini uthenge umgaqo-nkqubo wokuhlawulela abasebenzi, ukuhlukanisa abanye abasebenzi njengabanikazi beenkampani . Kwakhona waphinde wahlawula umvuzo wakhe.

Ubuqhetseba bomnikazi webhishini bambule emva kokuba imanyano yabachweli ibhengeze imisebenzi yakhe kwi-L & I. Le ndoda yayalawulwa ukuba ihlawule imali eyi-1 yezigidi kwiimali-mali zangaphambili, iimali ezifihliweyo kunye nomdla.

03 - Umgaqo-nkqubo weNtshurensi weRhafu!

Abanye abaqeshi baqulunqa, bafumana iindlela ezintsha zokuba bahlawule ubuqhophololo bemisebenzi. Umfazi waseFlorida "waqeshisa" umgaqo wakhe kwabanye.

Eli bhinqa lenze igobolthi yenkampani ayithenge ngayo umgaqo-mali wembuyekezo. Waxelela umgcini-mali ukuba wayesebenze ekwakheni iminyaka elishumi kwaye waqeshisa abasebenzi abathandathu. Enyanisweni, wayengakaze asebenze kwishishini lokwakha kwaye akaqeshi mntu.

Eli bhinqa linike izitifiketi zomshuwalense ezidweliswe kwinombolo yakhe yomgaqo-nkqubo kwicandelo lokuhlawulela abasebenzi. Wathengisa izatifikethi kwiikontraki ezingaqinisekwanga ukuze ziphephe ukuhlawula iipomma zokuhlawulela zabasebenzi. Ngokutsho kweSebe laseFlorida leNkonzo zezeMali, lo mfazi wakhupha izatifikethi ezingaphezulu kwama-250 waza wanceda iikontraki ziphepha i-$ 2.1 yezigidi kwiimali-mali zokuhlawula imali. Wabanjwa waza wahlawuliswa ngamaqela amaninzi.

I-04 - Ndiyingozi kakhulu kuSebenzi kodwa ndiyakwazi i-Skydive!

Abasebenzi bangenza nokuhlawula ubuqhetseba bemisebenzi. Abanye bazama ukufumana izibonelelo zokukhubazeka ngokufaka ibango ngenxa yengozi engekhoyo okanye exaggerated.

Indoda yaseCalifornia yayisetyenziswe njenge-cutter cutter yinkampani yokwakha eSanta Clara, eCalifornia. Wafaka ibango ngenxa yecala lokulimala emsebenzini. Watsho ukuba intlungu evela kwingozi yayinzima kangangokuthi wayengenakusebenzisa ingalo yakhe yasekhohlo. Uthe wayengenako ukuqhuba kwaye akayi kubuyela emsebenzini.

Le ndoda yayingekho emsebenzini iinyanga ezintathu emva kokuba umphenyitha amtshintshile. Akunjalo nje kuphela ukuba "osebenza kakubi" ukuqhuba ukuqhuba, wayefundisa izifundo zomoya. Wabonakala engenakubunzima nonke usebenzisa ingalo yakhe yasekhohlo. Le ndoda yayibonile ukuhamba ngeenqwelo ezihamba ngeenqwelo ezibonakalayo kunye nokuhamba ngeparachute kunye nabathengi ababebophelele emzimbeni wakhe.

Le ndoda ihlawuliswe ngokukhwabanisa umqeshi wemali ye- insurer engama-$ 52,000. Ukuba unetyala, unako ukuvalelwa iminyaka engaphezu kwemihlanu kwaye unyanzelekile ukuba abuyisele ukubuyiswa kweenzuzo ezibiweyo.

05 - Yenzani i-Facebook Posts!

Ukuba ufaka isicelo sembuyekezo yebasebenzi bobuxoki, musa ukusasaza iimeko eziphathekayo kwiimidiya zentlalo. Owesifazane wase-Ohio wafunda le sifundo ngendlela enzima. Wayefake ibango elithetha ukuba walimala kwisikhephe kunye nesiganeko sokuwa kwindawo yokupaka inkampani. Kwi-post post ye-Facebook, ke, wathi ukuwa kwenzeka kwisikhululo segesi esiseduze. I-Ohio Bureau ye-Compensation's Workers 'Fund yafunda malunga nesithuba. Eli bhinqa lalele ukuba lihlawule ihlawuliso kwaye libuyisele zonke iintlawulo ayezifumene.

06 - Eyona nto iphezulu ekulimala

Abanye abasebenzi baya kubudlelwane obungqongqo ukuze bangenise ukulimala . Omnye owaziwayo kakhulu wayengumculi-mbonisi owabongoza umfazi ukuba ancede ukuphumeza isicwangciso sakhe.

Umenzi wobubi wayengumqhubi webhasi we-Sun Coast Transit Authority eFlorida. Wayemaza ukulimala kwe-slip-and-fall emsebenzini kwaye wachazwa ngokupheleleyo kwaye ukhubaze ngokusisigxina. Ngaphezulu kweminyaka eyi-10 ezayo, waqokelela i-$ 750,000 kwizibonelelo zokukhubazeka. Ekugqibeleni, umshuwalense wegunya lokuthutha wagxeka. Ukukholelwa ukuba ukukhubazeka komntu kwaqulunqwa, wathumela umphandi ukuba athethe naye. Xa bebuzwa, umqhubi webhasi wangaphambili wenza ngathi wayenokukhubazeka ngengqondo kwaye waphendula ngezwi elinjengomntwana. Umfazi wakhe wathi ukulimala kuye kwabangela ukuba umyeni wakhe agxininise kwiminyaka engama-5 ubudala. Wayehlala ehlala ehlwaywe.

Emva koko umphandi wambona loo mntu eqhuba umqhubi, ezingela kwaye edlala igalofu engenawo uphawu lokukhubazeka. Le ndoda nomkakhe babetyala ngokuba nolobuqhophololo kunye nokuqhoqhelisa. Baye balelwa ukuba babuyisele i-insurer $ 700,000.

07 - Operation Spinal Cap

Inkokhelo yokukhwabanisa kwamanye abasebenzi isenziwa ngababoneleli. Olu hlobo lobuqhetseba lunokuba lubi kakhulu, ngakumbi xa lubandakanya abaphangi abaninzi.

Abasebenzi abathathu bezempilo eCalifornia babenomdla obunzima bokuhlawula ubuqhetseba kwabasebenzi. Abadlali babebandakanya i-CEO yesibhedlele, i-CFO yesibhedlele esahlukileyo, oogqirha ababini bezantlanzi, i-chiropractors kunye nomthengisi wempilo. Iziphathamandla zezibhedlele zihlawula izikratshi kwizigulane zamagqabi kunye ne-chiropractor yezidluliso zesigulane. Amagqirha kunye ne-chiropractor bafumana intlawulo nganye yokuhlinzwa. Bafihlile iintlawulo zokukhawuleza ngokudala iikontraki zintengiselwano zomsebenzi abangazange bazenze. Baye bahlawula iindleko zokufakelwa kwezonyango ezisetyenziselwa ukuhlinzwa.

Izibhedlele ke zihlawulise iimbuyekezo zabasebenzi zomshuwalense kunye neSebe lezeMisebenzi (eliqhuba ezinye iinkqubo zokuhlawulela abasebenzi baseburhulumenteni). Ubuqhophololo buhlala iminyaka eyi-15. Ngelo xesha, omnye ugqirha wafumana ngaphezu kwezigidi ezingama-5 kwizikolo zokukhahlela. Omnye ugqirha kunye nodokotela we-chiropractor ngamnye wathola ngaphezu kwe-1 million yezigidi. Iqhinga lafunyanwa ngabaphenyi be-FBI, eyayibizwa ngokuba yi-Operation Spinal Cap. Bonke abathathu abachasayo batyala inetyala kwiinkcitho ezahlukeneyo zobuqhetseba. Zonke zijamelene nezigwebo zeentolongo kwaye kufuneka zibuyisele imali ababibileyo.

Isi-08 - IsiSpanishi Ukuguqulelwa kwabathengisi baseSpeyin

Ubuqhetseba bomboneleli bungenziwa ngabantu ngabanye ngaphandle kootitshala bezonyango. Indoda yaseCalifornia nodadewabo basebenze inkampani eyayinikezela iinkonzo zokuguqulela. Inkampani inika iinkonzo kubasebenzi baseLatino abalimele.

Phakathi kuka-2008 no-2012, inkampani ikhokhela iinkampani zomshuwalense ngaphezu kwe-$ 24.6 yezigidi kwiindleko zobuqhetseba. Abantakwabo bahlawulisa iinkonzo kwiikliniki apho oogqirha nabasebenzi basebenzisa iSpanish ngokufanelekileyo, ngoko akukho zixhobo zokuguqulela ezifunekayo. Ngokutsho kweSebe le-inshurensi yaseCalifornia, inkampani ikhokhele i-$ 422,000 yeenkonzo ezibonelelwa ngumtoliki owayesentolongweni xa kwakufuneka kwenziwe iinkonzo. Kwakhona ihlawula imicimbi yeenkonzo ezihlala ngaphezu kweeyure eziyi-12 ngosuku. Le yayiyure leeyure ngaphezu kweklinikhi. Iskimu sabandakanyeka abantu abayisithoba, bonke abo babanjwe kwaye babetyala ngokukhwabanisa.

09 - Ukuzixhobisa ngokuziThumela nge-Self-Insurance

Abaqeshi, abasebenzi kunye nababoneleli abayena kuphela abantu abenza inkohlakalo yokuqhowula abasebenzi. Isithili sasePennsylvania silahlekelwe ngama-dollar ayi-650,000 ngenxa yezenzo zomphathi wesibango se-third party.

Amaqabane amabini anemibutho yolawulo lweebango. Le nkampani yaqeshwa ukulawula intlawulo yontsebenziswano yesikhwama se-inshurensi eyasebenza yi-Lackawanna County. Njengomlawuli wefowuni, iqumrhu lalifanele lihlaziye iibill ezivela kubaboneleli, ukuhlawula amabango, nokukhupha iingxelo ezahlukeneyo. Kunoko, amaqabane achitha ixesha lomsebenzi wabo utshaya iiguba kunye nokubukela i-intanethi kwi-Intanethi.

Amaqabane athengisa imali evela kwingxowa-mali kwaye ayisebenzisa kwiindleko zomntu. Aba babini bathatha umkhomishina wengingqi okhohlakeleyo ekuhambeni (kwiindleko zikawonkewonke) kwi-Playboy Mansion eCalifornia. La mabini madoda athotywa ngamacala athile, kuquka ukuhlawula imali, ukukhutshwa kweerhafu kunye nenkohliso yomshuwalense. Omnye wagwetywa iinyanga ezili-10 entolongweni ngelixa elinye lafumana iinyanga ezili-70.