I-Premium eqikelelweyo
I-premium yempesimenti yabasebenzi yakho ibalwa ngokuphindaphinda ixesha lokuhlawula iirhafu kunye nokwahlula isiphumo ngu-100. Ngokomzekelo, cinga ukuba ukuhlawula kwakho i-$ 500,000 kunye nereyithi yi-$ .10. I-premium yakho i-500,000 X .1 / 100 okanye i-$ 500.
I-premium oyihlawulayo ekuqaleni kwexesha lakho lomgaqo-nkqubo ngumlinganiselo wesikhashana. Uqikelelo olusekelwe kwii-payrolls ezixeliweyo zonyaka ozayo. Emva kokuba umgaqo-nkqubo usuphelile, umgcini wakho womshuwalense uqhuba uphicotho ukuqinisekisa ukuba wakho ohlawulayo loo nyaka. I-insurer yakho iguqule i-premium yakho. Ukuba umvuzo wakho wangaphezulu udlula umrhumo wakho wokuhlawula, unokuhlawulwa i-premium eyongezelelweyo. Ukuba umvuzo wakho ophantsi ungaphantsi kolawulo lwakho lokuhlawula iprojekthi, unokufumana i-premium yokubuyisela.
Injongo yoPhicotho
Uphicotho-zincwadi zenziwa ukuze kuqinisekiswe ukuba ama-premium abaqeshi bahlawula imali yemphuwalense yempiliso yabasebenzi ichanekileyo ingabonakalisa ingozi. I-insurers check to make sure that employers are classified properly and that the payrolls used for the purpose of rating are correct. Ukuba umgaqo-nkqubo womqeshi uqulethe izigaba ezingafanelekanga okanye uhlawula, umqeshi unokuhlawula kakhulu okanye encinane kakhulu, ngokumalunga nabanye abaqeshi, ukwenzela i-inshurensi yembuyekezo yomshuwalense.
Amazwe amaninzi ayanyanzelekisa abaqinisekisi ukuba baphonononge yonke imigaqo-nkqubo yembuyekezo yokusebenza yabasebenzi abayithengiweyo ye-premium yonyaka ngaphezu kwesiqingatha esithile, njenge-$ 10,000. Amasebe e-inshurensi kaRhulumente aqhuba ukuhlolwa kwexesha elizeleyo ukuqinisekisa ukuba abaqinisekiso-mali baqhuba uphicotho olufunekayo.
Isibophelelo
Ininzi yemigaqo-nkqubo yembuyekezo, kubandakanywa nefom ye- NCCI , iqulethe isigatya esichazela ukuphicothwa.
Kwifom ye-NCCI, eli gatya lifumaneka phantsi kweCandelo leSihlanu, i-Premium. Ithi umqeshi makavumele i-inshurensi ukuphicotha umgaqo-nkqubo naliphi na ixesha kwiminyaka emithathu emva kokuba umgaqo-nkqubo uphele. Umshuwalense unelungelo lokuhlola nayiphi na irekhodi ehambelana nomgaqo-nkqubo. Ezi zingabandakanya izikhokelo zengxelo, iirejista zerhafu kunye neerekhodi zokuhlawula.
Imigaqo-ntlawulo yemisebenzi iqulethe nelelo malunga nokuhlolwa. Kwifom ye-NCCI eli lungiselelo lifumaneka phantsi kweCandelo lesithandathu, iimeko. Inika i-inshurensi ilungelo lokuhlola indawo yokusebenzela yomqeshi nanini na. Injongo yohlolo olulolo hlobo kukuhlola ukungaqiniseki kweshishini lakho kwaye ukuqokelela ulwazi lokuhlawula. Ukuhlolwa kweembuyekezo zabasebenzi akujoliswanga ukuhlolwa kokuphepha.
Inqubomgomo yomshuwalense ngumvumelwano wezomthetho . Xa uthengisa ukuhlawulelwa kwembuyekezo yabasebenzi, unyanzelekile ukuba uhambelane nemigaqo yokuphicothwa nokuhlola kumgaqo-nkqubo. Ukuba umgcini wakho womshuwalense ucela ukutyelela isibonelelo sakho okanye izicelo ezihlaziyiweyo zolwazi lokuhlawula, kufuneka uhambise iimfuno zayo. Ukungaphumeleli ukwenza oko kungabangela ukuphulwa kwemvumelwano. Umshuwalense wakho unokuphendula ngokugatya kwakho ngokukhansela umgaqo-nkqubo okanye ukwenqaba ukuyihlaziya .
Oku kunokuchaphazela kakubi amava akho okuguqula .
Iintlobo zoPhicotho-zincwadi
Kukho iintlobo ezahlukeneyo zokuphicothwa kwembuyekezo yabasebenzi. Iintlobo zophicotho-zincwadi ezifumanekayo ziyahlukahluka ukusuka kummandla ukuya kwilizwe kunye ne-inshurensi kwi-insurer.
- I-Audit ye-Imeyili Uhlobo oluphangaleleyo lokuphicothwa. Ukuphicothwa kwee-imeyili kungavunyelwa kubaqeshi abancinci abangenzi i-premium eninzi. Nangona kunjalo, ukuphicothwa kwee-mail kungabikho kubaqeshi kwimisebenzi ethile (njengokuphahla) kungakhathaliseki ubungakanani babo.
- Uphicotho oluPhezulu oluqhutywe xa umgaqo-nkqubo ubhalwa kuqala kunye ne-insurer entsha. Ukuphicothwa kwangaphambili kwenziwa ngokubanzi kwi-site. Injongo yabo kukuqinisekisa ukuba ukuhlelwa kunye nokuhlawula okufanelekileyo kusetyenziswa kumgaqo-nkqubo.
- Uphicotho lweeFowuni lusetyenziswa ngabatshintshi. Umshurensi unokuthumela ifom yokugqiba kwaye ubuyele kwi-inshurensi. Xa umgcini-mali uyifumene nolwazi, iludweba umnxeba umnxeba ukuba uxoxe ngolwazi olunikezile.
- Uphicotho-zincwadi zoMsebenzi Uphicotho olwenziweyo olwenziwe kwindawo yakho. Injongo kukuqokelela umvuzo kunye nezinye iinkcukacha eziza kusebenzisa i-inshurensi ukubala i-premium yakho yokugqibela.
- Uphicotho-zincwadi lwangaphakathi Unokuqhutywa xa ishishini lakho litshintshile ngandlela-thile, mhlawumbi ngokuqalisa umsebenzi omtsha. Uphicotho-zincwadi lwangaphakathi luye lwasetyenziswa ngabaqeshi abakhulu abanqwenela ukubika ingxelo yabo yokuhlawula ngenyanga okanye ngekota nganye kunokuba kanye ngonyaka. Ezi phicotho ziqhutywa rhoqo ngeposi. Uphicotho olwenziweyo luyenziwa ekupheleni komgaqo-nkqubo.
- UVavanyo loVavanyo oqhutywa ngumphathi weembuyekezo zabasebenzi baseburhulumenteni ukuqinisekisa ukuba iziphumo zophicotho zifunyenwe ngumshuwalense . Ii-ofisi zamaziko e-State ukuqhuba uphicotho lovavanyo ukuqinisekisa ukuba abaphicothi-zincwadi zomshuwalense basebenzise ukuhlelwa kunye nokulinganisa inkqubo ngokufanelekileyo. Ii-ofisi zifuna kwakhona ukuqinisekisa ukuba abaqhorensi basebenzisa izicwangciso zokulinganiswa ezivunywe yi-bureau (xa kufunyenwe imvume yangaphambili).
Ubuqhetseba Ngumqeshi
Ukuthobela isicelo sakho se-inshurensi yesicelo akusiyo kuphela inyanzelekileyo njengomnini-nkqubo. Kufuneka unikeze iinkcukacha ezichanekileyo . Ukuba unika ngamabomu ulwazi olubuxoki kumgcini wakho womshuwalense, unokutshutshiswa liSebe le-inshorensi ye- inshorensi . Nayi imimiselo yezenzo ezinokuthi zithathwe njengenkohliso:
- Ukuhlawula imali yakho yokuhlawula ngenjongo yokunciphisa i-premium yakho
- Ukubonelela iinkcazo zemisebenzi yobuxoki kumphicothi we-inshurensi
- Ukubonelela ngeentlawulo zerhafu okanye ezinye iingxelo zezimali
- Ukuqhawula into yokuba uqeshile abathinteli
- Ukubonelela izatifikethi ezikhohlisayo ze-inshurensi kubaphathi abancinci
Xa uphicotho-zincwadi zigqityiwe, i-insurer yakho izakuthumela ingxelo. Eyona ndlela, iirejista eziboniswe kwingxelo aziyi kuhluka ngokubanzi kwiirhafu eziqikelelwayo ezibhalwe kumgaqo-nkqubo wakho. Ngelishwa, oku akunjalo ngaso sonke isikhathi. Ukuba iiprogram zakho zokuhlawula ziphantsi kakhulu, uhlolo-zincwadi lungavelisa i-premium eyongezelelweyo. Ingxelo yophicotho ingabonisa kwakhona utshintsho kwizigaba zakho. Ukuba umphicothi-zincwadi unqume ukuba ibhizinisi lakho lalingekho phantsi , mhlawumbi ungeze iikhowudi ezintsha zeklasi okanye zisuswe ezikhoyo.
Iingxoxo zoPhicotho
Abanini bemigaqo-nkqubo abavumelani rhoqo nemibiko yophicotho. Ingxelo ingaquletheka iimpazamo, ezifana nokuguqulwa kwamanqaku angalunganga okanye inani elingafanelekanga lokubhalwa kweelayisti. Ngenye indlela, ingabonisa ukutshintsha kohlobo ongavumelaniyo.
Ukuba awunakuvuyela iziphumo zophicotho, qhagamshelana ne-inshurensi yakho ngokukhawuleza. Uninzi lwabatshutshisi linikeza imiyalelo malunga nendlela yokuphikisana nophicotho-zincwadi. Ezi zingafakwa kumaphepha akho enkqubo. Qinisekisa ukuba ulandele ngokucacileyo iinkcazo ze-inshurensi. Fakela isikhalazo sakho ngokubhaliweyo ngexesha elichazwe ngumshurensi. Chaza ingxaki ngokubanzi. Ngokomzekelo, ukuba ucinga ukuba umphicothi-zincwadi wasebenzisa ulwahlulo olungalunganga, cacisa ukucinga kwakho kwaye uchaze enye into. Umshurensi uza kuhlolisisa isikhalazo sakho kwaye anqume ukuba uhlaziyo luyafaneleka yini.
Ukuba uphando luye lwavelisa i-premium eyongezelelweyo kodwa uphikisana neziphumo zophicotho-zincwadi, umbopheleleko wakho wokuhlawula i-premium eyongezelelweyo kufuneka unqunywe de kube ingxabano isombululwe. Ukuba i-inshurensi ayilungiseli ingxaki ukwaneliseka kwakho, unokwenza isibheno kwisigqibo se-insurer kubhodi yakho yokuhlawula yabasebenzi.