Kubaxhasi bee-freelancers , ukubaluleka kwe-inshorensi yokukhubazeka kubalulekile njengoko singumphathi, umphathi we-HR kunye nenkqubo yokuxhasa; oko kukuthi sonke siphezu kwethu. Ekubeni asinakunikezwa ngomshuwalense ngokuzenzekelayo ngomqeshi, kwaye ekubeni sisona sinye kwaye sisisiseko somvuzo, simele senze ngokufanelekileyo kwaye siqiniseke ukuba sinesixhobo sokukhusela.
Ngaba ngababhali be-Freelance bafuna iIninshurensi yokukhubazeka ngokwenene?
Kunokwenzeka. Ubunjineli bokukhubazeka kubalulekile kuthi, njengoko singenayo imihla yeholide okanye iintsuku ezigulayo ukuze sithembele xa kwenzeka isigulo sokulimala okanye ingozi.
Xa ndide ndihlala ngokuzimeleyo, ngakumbi ndiyaqonda ukuba inzuzo yomqeshi iyamangalisa, kodwa ukuba sihlala sihlala sixhomekeka xa sifike kuloo khuseleko. Xa ndimncinci, ndandichitha iingcamango ezinjalo, ndicinga ukuba ndihlala ngonaphakade, ngiphilile. Xa ndandisezintanjeni zabantwana abancinci abantwana, babamba zonke iintlobo zeengcamango. Kaloku ukuba ndibe ngumbhali ozimele ozimele oziqinileyo iminyaka engaphezu kweyishumi, ukulungiswa komntwana ngamnye okanye ingozi ephantse iphosakeleyo ndiye ndicinga ngokuphindwe kabini.
Ngaba wayesazi ukuba ubuncinane abemi baseMerika baza kuba nokukhubazeka ngaphambi kokuba bathathe umhlalaphantsi?
Iindleko kunye nokuPhucula
Ngaphambi kokuba uqale ucinge ngeendleko, qiniseka ukuba awunayo ingxelo ekhoyo.
Ngokomzekelo, ukuba ungumntu otshatayo, umlingane wakho unokukwazi ukukuthenga umgaqo-nkqubo ngokusebenzisa umphathi womshuwalense wabo. Ukongeza, ukuba ufunda le nqaku ngelixa usebenza ngokuqhelekileyo, kwaye ucinga nje ngokuhamba ngokuzimeleyo, khangela ngesebe lakho le-HR ukubona ukuba unokuthatha inzuzo yomshuwalense yokukhubazeka nawe.
Ngoko, yintoni i-inshurensi yokukhubazeka, okanye kunjalo? Kuxhomekeke kumgaqo-nkqubo, kodwa ngokubanzi uhlanganisa i-50 ukuya kwi-60 ekhulwini yengeniso yakho ngenyanga, nto leyo, ukuba uyakhubazeka kwaye awukwazi ukubhalela, ukuhlela nokuqhuba ibhizinisi lakho, i-inshurensi yakho iya kukunika isheke loo mali.
Ziyintoni iindleko zokubhengezwa okunjalo? Oku kuxhomekeke kakhulu kwiminyaka yakho kunye neenzuzo zezempilo. Kuphando lwam (njengowesifazane oneminyaka engama-30 ubudala enempilweni), ndacatshulwa naphi na i-$ 7 ukuya kwi-$ 21 ngenyanga.
Ufuna ukwazi malunga neendleko zakho kunye neengxelo zokufikelela? I-Freelancers Union inikezela isatidwe ehlelwe yiminyaka kunye nemali engenayo.
Ezinye iindlela zokuthenga iIninshurensi yokukhubazeka
Kukho ezinye iindlela zokwakha ukhuseleko lwenu njengomlobi ozimele. Ngokuqinisekileyo, kufuneka ugcine yonke ingeniso yakho ngenyanga. Mhlawumbi iqanda lakho lesidleke liza kukufumana ngokukhubazeka okufutshane.
Unokuthenga kwakhona i-inshurensi yokubolekisa ngemali yakho ngemali mboleko. Le migaqo iyahluka, kodwa ngokuqinisekileyo iyaqinisekisa ukuba imali yakho yokubolekwa iya kuhlawulwa xa ungakwazi ukuhlawula.
Kukho iinkqubo ezifanayo kwamanqaku amaninzi eentengiso zemali, apho uhlawula enye eyongezelelweyo ngenyanga, kwaye iyakutyalwa xa kwenzeka into ethile kwaye awukwazi ukwenza intlawulo.
I-Inthanethi ye-Freelancer iyafumana phi i-inshorensi yokukhubazeka?
Okokuqala nangakumbi, ukuba utshatile kwaye iqabane lakho liqeshwe ngokuqhelekileyo, qiniseka ukuba ubona ukuba ungangena kumgaqo-nkqubo wakhe ngandlela-thile. Le nkqubo-nkqubo exhaswe ngumqeshi iyancinci kunezinye iindlela.
Unokudibana kunye ne-inshorensi ozimelayo, ngubani onokukubonisa iindlela ezininzi ezinkampani ezininzi. Ngelixa unesithunywa, unokufuna ukucinga ngezinye iintlobo zee-inshorensi ezifunekayo.
Ungaphinda ufune ukubona ukuba iimanyano okanye amaqela oorhwebo anikezela izicwangciso zakho. Ngokomzekelo, ukhuseleko lwe-inshurensi yokukhubazeka olunikezwa yi-Freelancers Union lenziwa kwiikontraki ezizimeleyo kunye nabazimeleyo njengathi. Benza inkqubo yokubhalisa ilula kwaye amaxabiso ahloniphekile.