Iinkonzo ezinikezelweyo
I-NCCI yenza umlinganiselo kunye neminye imisebenzi egameni labaxhasi-mali kwiminyaka engamashumi amathathu anesithandathu.
Ezi zibizwa ngokuba yi- NCCI . Unyaka ngamnye, abaqinisekisi bembuyekezo yokusebenza kwabasebenzi kulezi zizwe baxela ama-premium kunye nelahleko kwi-NCCI. Inhlangano iqokelela idatha, ihlalutye, kwaye isebenzise iziphumo ukubonelela ngeenkonzo kubatshorensi. Nazi ezinye ze-NCCI ezenzayo:
- Udala kwaye ushicilele inkqubo yohlobo olufanayo
- Ibala iindleko okanye iindleko zokulahlekelwa , kwaye yenza iifayile zilungiselele izilawuli
- Udala kwaye ushicilele isicwangciso sokulinganiswa kwamava
- Udala amava omsebenzi wephepha lokusebenzela abaqeshi ngabanye
- Uhlalutya iindleko zomthetho ohlongozwayo nokumiselwa
- Udala kwaye ushicilele iifom zempqubo yokubuyisela abasebenzi kunye nokuvumela
- Ilungiselela iingxelo zeenkcukacha
- Uqhuba uphando kumabango, ukukhubazeka kunye neminye imiba enxulumene nembuyekezo yomsebenzi
- Unika ulwazi lokulawula olukhoyo
- Ufundisa oomashishini bomshuwalense kwimicimbi emalunga nokuhlawulwa kwabasebenzi
UkuBalwa kweeNqanaba kunye noHlelo
Imisebenzi emibini ebalulekileyo eyenziwa yi-NCCI inefuthe ngqo kubaqeshi. Ezi ziquka ukubeka isantya kunye nenkqubo yokuhlelwa.
Kwiindawo ezininzi, i-NCCI ibala iindleko zokulahleka kunokuba zihlawulwe. Iindleko zokulahlekelwa ziquka ukulahleka ( iintlawulo ezihlawulwa kwabasebenzi abalimele ) kunye neendleko zokulungiswa kwelahleko.
Abatshutshisi bayongeza iintlawulo zeekomishoni (kubameli kunye nabathengisi), irhafu, iilayisenisi kunye nenzuzo ukubala inani lokugqibela.
Kwimizuzu emashumi amathathu anesithandathu, i-NCCI ihlaziya rhoqo iindleko zokulahlekelwa okanye iirhafu zokuqinisekisa ukuba zanele kodwa zingekho ngokweqile. Le nkqubo ibandakanya amanyathelo athile. Okokuqala, i-NCCI ihlolisisa i-premium kunye nedatha yokulahleka eqokelelwe kubashuwalense abasebenza kwimeko ethile.
Oku kukuqinisekisa ukuba ngaba ngaba-inshurensi baye bafumana ngaphezulu okanye ilahleko ezimbalwa kuloo meko kunokuba ziqaliswe ngaphambili. Emva koko, i-NCCI ihlola i-premium nedata yelahleko nganye kwiklasi yeklasi. Ukulahlekelwa kusenokuba bekuphezulu kunokuba kulindeleke kumaqela amashishini kodwa ngaphantsi kunokuba kulindeleke kwabanye. Ngokuxhomekeke kwiziphumo, i-NCCI inokuncoma ukwanda okanye ukunciphisa ezinye okanye iindleko zokulahleka okanye amaxabiso asetyenziswa kwimeko.
Inkqubo yokuhlelwa kwe-NCCI isetyenziselwa ukwahlula abaqeshi ngokusekelwe kwimeko yabo shishini. Amashishini enza imisebenzi efanayo afakwa kwicandelo elinye. Uhlu ngalunye luboniswe ngcaciso ebhaliweyo kunye nekhodi eneenombolo ezine. Ngokomzekelo, i-Hardware Stores ibelwe ikhowudi yeklasi 8010.
Iifom yePolisi eMiselweyo
I-NCCI ifake ipolisi esemgangathweni ebizwa ngokuba yi-Workers Compensation and Employers Accountability Policy.
Le fomu yahlaziywa ngo-2011. Ingabonakaliswa nenombolo yayo yefomu, iWC0000000B. Isetyenziswe kwi-NCCI engamashumi amathathu nantandathu, kwaye nakwiindawo ezininzi ezizimeleyo ngokunjalo. I-NCCI iye yavelisa iintlobo zeemvume ezingasetyenziselwa ukongeza, ukususa, okanye ukuguqula iifayili phantsi kwefomu yomgaqo-siseko. Umzekelo nguMvume wokuBonelela ngokuBonelela.
IiNkonzo zeengcebiso kuphela
I-NCCI iyinkqubo engcebiso, kungekho ikhomishini yolawulo. Unokuncoma ukwanda okanye ukunciphisa kwiindleko zokulahleka okanye amaxabiso kodwa ekugqibeleni ugqiba ukuba ngaba uya kuzalisekisa ezo ngcebiso. Ngaphezu koko, amazwe angamkela iimveliso ze-NCCI ukuhlangabezana neemfuno zabo. Ngako-ke, abaninzi basebenzisa inguqu eguqulelwe kwinkqubo ye-NCCI, imithetho kunye nokuvumela. Ngokomzekelo, urhulumente unakho ukuvelisa idijithi yayo eneenombolo ezine zeenkcukacha ezithile kwindawo ye-code efanelekileyo.
Umbuso unokuhlakulela kwakhona inguqu yakhe yodwa okanye ngaphezulu kwe-NCCI.
Amazwe azimeleyo kunye neeMonopolistic
Amazwe alishumi elinesibini alisebenzisi iinkonzo ze-NCCI. Zine zala mazwe zibizwa ngokuba yi- monopolistic states kuba zifuna abaqeshi ukuba bathenge i-inshorensi yokuhlawula abasebenzi baseburhulumenteni. Ezi zinto ziyakwenqabela ukuthengiswa kwemigaqo-nkqubo yembuyekezo ngabasebenzi bange-inshurensi yabucala. Iingqungquthela zithi i-Wyoming, iWashington, i-Ohio ne-North Dakota.
Amashumi ayishumi elinanye asele athi ayisebenzisi iinkonzo ze-NCCI zibizwa ngokuba zizizwe ezizimeleyo . Ezi zizithembele kwiziko labo lokuhlawulela abasebenzi ukwenzela ukwenza isantya kunye neminye imisebenzi ebalulekileyo.