Ukunciphisa iindleko ze-inshurensi yezoshishino kunye neendawo zokusebenzela ezingekho phantsi kweziyobisi
Kubaqeshi, ukusetyenziswa kakubi kweziyobisi kwindawo yomsebenzi yingxaki ebalulekileyo. Unokwandisa ukungabikho emsebenzini, ukuvelisa okuncinci, nokunciphisa ukuziphatha komsebenzi .
Inokubangela negalelo kwiindawo zokusebenzela emsebenzini. Abasebenzi abangakwazi ukusetyenziswa kakubi ngokweziyobisi bangalimaza, abanye abasebenzi kunye namalungu oluntu.
Ukuxhatshazwa nguMashishini
Ukusetyenziswa kakubi kweziyobisi kunye noLawulo lweeNkonzo zezeMpilo yengqondo (i-SAMSHA) liziko lombutho osebenzayo ekunciphiseni umphumo wokusetyenziswa kakubi kweziyobisi eMelika. Inxalenye yeSebe lezeMpilo kunye neNkonzo zoLuntu. I-SAMSHA ikhuphe ingxelo malunga nokusetyenziswa kakubi kweziyobisi ngamanzi ngo-2015. Ingxelo ibonise ukuba i-9.5% yabasebenzi bexesha elizeleyo baxhomekeke okanye baphathwe kakubi ngokweziyobisi okanye iziyobisi ezingekho mthethweni kunyaka odlulileyo. Ingxelo yayisekelwe kwidatha i-ejensi eqokelele phakathi kuka-2008 no-2012.
Ingxelo ye-SAMSHA nayo ibonise ukuba ukusetyenziswa kakubi kweziyobisi kuhlukahluka kwishishini. Abasebenzi bemigodi kunye nabakhi babeneentlawulo eziphezulu zokusetyenziswa kakubi kotywala. Ukusetyenziswa kweziyobisi ezingekho mthethweni, ngakolunye uhlangothi, kwakuxhaphake phakathi kwabasebenzi kwiinkonzo zokutya kunye namajelo okuhlala.
Imithetho kaRhulumente kunye noRhulumente
UMthetho weeNdawo zokuSebenza ngaphandle koMuthi we-1988 ufuna ukuba bonke abafumana izibonelelo zedolophu bahlale behlala kwindawo yokusebenzela engenazo iziyobisi. Umthetho usebenza nakwezinye iikontrakthi zeseburhulumenteni. Ulwazi malunga noMthetho kunye neemfuno zalo ziyafumaneka kwiwebhusayithi yeSebe lezabasebenzi.
Amanye amazwe kunye noomasipala baye baphawula imithetho efana ne-Federal Health Work Act Act.
Le mithetho iyasebenza kubaqeshi abaye banikezelwa izibonelelo okanye izivumelwano ezivela kurhulumente okanye kwisixeko. Ukuba umqeshi uhluleka ukugcina indawo yokusebenzela engenazo iziyobisi njengoko kufunwa ngumthetho wesigqeba, urhulumente okanye umasipala, isivumelwano somqeshi okanye isibonelelo sinokupheliswa.
Izaphulelo zoMbuso
Ukususela ngo-2016, i-13 ithi ineemithetho ezinikezela isaphulelo kwimithetho enika isaphulelo kwi- inshurensi yembuyekezo yabasebenzi kubaqeshi abazalisekisa indawo yokuhlala emsebenzini.
- I-Alabama - §25-5-330 (1995) Inikeza isaphulelo sama-5 epesenti kubaqeshi abasungula indawo yokusebenzela engekho iziyobisi ngokuhambisana nesenzo.
- I-Arkansas - §11-14-101 (1999) Abaqeshi abaneenkqubo zokuhlala ezingenazo iziyobisi bangenelungelo lokufumana isaphulelo se-5% kwiimbuyekezo zeempesimali zokuhlawulela abasebenzi.
- IFlorida - §440.102 (1996) Inika ukunciphisa ama-5 eepesimenti kubaqeshi abazalisekisa kunye nokugcina inkqubo efanelekileyo yokusebenzela iziyobisi ezingekho kweziyobisi ngokuhambelana nemigangatho ebekwe kuMthetho.
- IGeorgia - §33-9-40.2 & §34-9-410 Inika i-discount percent 7.5 yeempesimali zokuhlawula abasebenzi kubaqeshi abaye baqalisa inkqubo yeendawo zokusebenzela ezingenasipilisi eqinisekisiwe yiBhodi yeBasebenzi yeMbuyekezo yabasebenzi.
- I-Hawaii - §431: 14-103 (1997) Inikeza isaphulelo okungenani ama-5 ekhulwini kuma-premium kubaqeshi abagcina inkqubo ekhuselekileyo yokhuseleko kunye nempilo.
- Idaho - SB 1119 (2003) Unika ukuba abaqeshi karhulumente abaqhuba ukuhlolwa kweziyobisi kunye noxilongo lwabo bonke abakhoyo kunye nabasabaqeshwa baya kuba nelungelo lokufumana ukunciphisa i-premium.
- EKentucky 803 KAR 25.280 (2008) Abaqeshi abaphumeza inkqubo yeendawo zokusebenzela abangenazo iziyobisi bangafanelekile ukunciphisa u-5% we-premium yabo yomshuwalense.
- I-Mississippi - §71-3-201 (1997) Ilungiselela ukunciphisa ama-premium ama-premium ama-premium kwiimali-mali zabasebenzi abaqulunqa iprogram yendawo yokuhlala emsebenzini.
- I-Ohio - I-OAC 4123-17-58 I-Ohio Bureau ye-Compensation's Workers ikhuphe umgaqo obonelela ngokukhawuleza kweminyaka emihlanu ekunciphisweni kwemali yokunciphisa i-premium ukunciphisa ukuphakama kwama-20 ekhulwini.
- ENew York Icandelo 60 leSect. I-134 ye-WC (2007) Inkqubo yokuKhuselwa kweNdawo yokuKhusela kunye nokuPhulwa kweNkunkuma yokuPhucula. Amakhredithi ahlukeneyo anikezelwa ukhuseleko, ukubuya okanye umsebenzi, kunye nokukhusela iziyobisi kunye neziyobisi. Iikrediti eziphezulu ze-10% kunyaka wokuqala kunye no-6% emva koko.
- ISouth Carolina - §38-73-500 (1997) Inikeza isaphulelo sama-5 ekhulwini kwiimpesimali zokuhlawulela abasebenzi kubaqeshi abazenze ngokuzithandela inkqubo yeendawo ezingasebenzi.
- I-Tennessee - §50-9-101 (1997) Inika i-5% yokunciphisa i-premium kuma-premiums kubaqeshi abenza isicwangciso sokuhlala ngaphandle kwemichiza.
- IVirginia - §65.2-813.2 (1997) Inikeza isaphulelo se-premium se-5 kubaqeshi abasungula inkqubo yeendawo ezingasebenzi.
Iziyobisi kunye neNzuzo
Masithi umqeshwa unobungozi emsebenzini xa exiliswe yiziyobisi okanye utywala. Ingaba umqeshwa angakwazi ukuqokelela izibonelelo zokuhlawulela abasebenzi? Impendulo ixhomekeke kwilizwe. Abanye bathi abasebenzi bebharaki baqokelela iindleko zokuhlawula izibonelelo zabasebenzi ngenxa yokonzakala xa bexakeka. Amanye amazwe anika inani elincinci leenzuzo.
Qaphela ukuba izithintelo ezingenasiphumo asinasiphumo kumthwalo wakho wesithathu okwenziwe ngabasebenzi bakho abaxakile. Izigwegwe ezinxamnye neenkampani zakho ezivela kwintlungu enjalo kufuneka zigqitywe yi- inshorensi yemfanelo yakho jikelele .
Imithombo eninzi yolwazi ifumaneka kubaqeshi abanqwenela ukudala umgaqo-nkqubo wendawo yokuhlala emsebenzini. Imizekelo i-SAMSHA, iSebe lezeMisebenzi, kunye negunya lakho lokuhlawula abasebenzi baseburhulumenteni. Unokufuna uncedo kwi- insurer yakho yembuyekezo . Abaninzi batshorensi banikela iinkonzo zokulawula umngcipheko ezibandakanya iziyobisi kunye nokulawulwa kotywala.
Inqaku elihlelwe nguMarianne Bonner