UmNyango
Isiseko esibalulekileyo se- inshurensi yembuyekezo yonyango yonyango.
Le ngxelo iyasebenza kuzo zonke iindleko zonyango . Iquka iintlawulo ezihlawulwe ukutyelela ugqirha, ukunakekelwa esibhedlele, ukunonyamekelwa ngononophelo, unyango, unyango lwezonyango, unyango lwezonyango, kunye nezixhobo zonyango ezizinzileyo (ezinjengeentonga kunye nezihlalo zamasondo). Ukugqithiswa kwezonyango ngokuqhelekileyo akunakunqunyulwa ngokungabikho ncitshulwa okanye iikopi. Izinzuzo zinikezelwa ukuba umsebenzi abuye abuyele kwingozi. Kwamazwe amaninzi, ababoneleli bahlawulelwa kwiinkonzo zonyango ngokusekelwe kwishedyuli yomrhumo. Ishedyuli dwelisa uninzi umboneleli uya kufumana kulolu hlobo lonyango.
Unakekelo oluLawulayo
Uninzi luvumela abaqeshi okanye abasebenzi babo bobuqhophololo ukuba banikele ngeenkonzo phantsi kwecwangciso lokunyamekela. Amazwe ambalwa afuna abatshutshisi ukuba banikele abaqeshi isicwangciso esinjalo. Izicwangciso zonyango zilawulwa ngokubanzi, kodwa ezininzi ziquka enye okanye ngaphezulu kwezi zinto zilandelayo:
- Inethiwekhi Yomboneleli Iqela leogqirha kunye nabanye ababoneleli bezempilo abanesivumelwano kunye ne-inshurensi okanye umqeshi ukubonelela ngeenkonzo zonyango kwixabiso. Ababoneleli (okanye kufuneka babe) abanezakhono kwiyeza lokusebenza.
- UkuPhathwa koMsebenzi Inkqubo eyenzelwe ukuqinisekisa ukuba uhlobo lokunakekelwa kwezonyango olunikezelwa abasebenzi luyimfuneko, olufanelekileyo nexabiso elifanelekileyo. Izicwangciso ezininzi ezibandakanya i-UR zifuna ababoneleli ukuba bafumane isiqinisekiso ngaphambi kokuba benze iinkqubo ezithile zonyango.
- Umphathi weNzuzo yamaPhrosi Umlawuli weprogram yeziyobisi yemithi enenjongo yokulawula iindleko. Iikontraki ze-PBM kunye neefommesi kunye nabenzi beziyobisi ukufumana izaphulelo.
- Ulawulo loLondolozo lwezoLonyango Ukujongana nokunyamekela ukuba abasebenzi abalimele bafumane unyango olufanelekileyo ukuze bakwazi ukubuyela emsebenzini ngokukhawuleza.
Amanye amazwe alawula izicwangciso zokunyamekela ezilawulwayo, ngelixa abanye bengenzi. Xa imimiselo isebenza, izicwangciso ezisetyenziswe ngabaqashi okanye abaqashi kufuneka zihlangabezane neemfuno zelizwe. Ngokomzekelo, umthetho welizwe ungadinga ukuba zonke izicwangciso zokunyamekela ezilawulwayo ziquka izikhokelo zonyango, ukuhlaziywa kokusetyenziswa kunye nokulawulwa kwenkathalo.
Amanye amazwe afuna abasebenzi abalimalayo ukuba bafune unyango kubaboneleli ngaphakathi kwintanethi, ukuba umqeshi usemisele isicwangciso sokunyamekela. Amanye amazwe avumela abasebenzi ukuba bafune unyango kubaboneleli ngaphandle komnatha.
Khu bazeka
Izibonelelo zokukhubazeka zenzelwe ukubuyisela umvuzo umqeshwa olahlekelwa ngexesha lokukhubazeka ngenxa yengozi echaphazelekayo emsebenzini. Umqeshwa ufumana kuphela inxalenye yemvuzo elahlekileyo, kungekhona imali epheleleyo.
Iintlobo zokukhubazeka
Ukukhubazeka kubalwa kwiindidi ezine:
- Isixa esipheleleyo Umqeshwa ukhubazeke ngokupheleleyo ngengozi kwaye akakwazi ukusebenza nonke. Ukukhubazeka ixesha elifutshane. Umzekelo, umqeshwa umlimaza kwaye akakwazi ukwenza nayiphi na imisebenzi iiveki ezintandathu. Ubuyela kwimisebenzi epheleleyo emva kokukhubazeka kweveki ezintandathu.
- Ukhetho lwexeshana Umqeshwa ukhubazekile kuphela ngengozi. Ukukhubazeka ixesha elifutshane. Umzekelo, umsebenzi uphula ingalo yakhe emsebenzini. Umqeshwa angasebenzisa ixesha lesithuba okanye enze umsebenzi ophantsi kwexesha ngelixa ingalo yakhe iphilisa.
- Isigxina esipheleleyo Umqeshwa akakwazi, ngenxa yokulimala, ukufumana ingeniso yexesha elizayo ngokwenza uhlobo lomsebenzi awawenzayo xa kwenzeka ukulimala.
- Ulwahlulo oluhlala ngonaphakade Umsebenzi osebenzayo wokufumana ingeniso uyaphumeleka ngenxa yengozi engunaphakade, njengokulahlekelwa kwindlebe.
Iintlawulo zokukhubazeka
Isixa umqeshwa afumana kwiintlawulo zokukhubazeka kuxhomekeke kwimeko yokukhubazeka. Abaninzi abakhubazekileyo besikhashana. Ukugcinwa kokukhubazeka okwethutyana ngokuqhelekileyo kuxhomekeke kwisithuba sokulinda (ngokuphindaphindiweyo iintsuku ezisixhenxe). Akukho zibonelelo ezibonelelwa ngaphandle kokuba ukukhubazeka kudlula ixesha lokulinda.
Iintlawulo zesikhashana zexeshana ezikhubazekileyo zisesigxina ziqhelekileyo zisekelwe kwipesenti (njenge-66 2/3%) yabasebenzi abaphakathi kwemali nganye yeveki (intlawulo yomsebenzi phambi kokulimala). Ngokomzekelo, umqeshwa oqhele ukufumana i-$ 1,000 ngeveki ukhubazekile ngeenyanga ezimbini ngomlenze ophukileyo. Ufumana i-$ 667 ngeveki nganye kwixesha leveki ezisibhozo.
Ukhetho lwesikhashana Ukukhubazeka okwethutyana, umqeshwa ngokuqhelekileyo uyamkela intlawulo yakhe encinci (ngenxa yomsebenzi angayenza) kunye nepesenteji yokwahlula phakathi kohlawulelo oluqhelekileyo lomqeshwa kunye nentlawulo yakhe ephantsi. Umzekelo, umqeshwa ulimaza umlenze wakhe. Akakwazi ukwenza umsebenzi wakhe oqhelekileyo, ofuna ukuma. Ngokuqhelekileyo ufumana i-$ 1,000 ngeveki. Uwenza umsebenzi wobhala ngeenyanga ezimbini ngelixa umlenze wakhe uphilisa. Lo msebenzi uhlawula kuphela ama-500 kuphela ngeveki. Umahluko phakathi kwentlawulo yakhe eqhelekileyo kunye nentlawulo yakhe yangoku i-$ 500 ngeveki. Ngethuba lokukhubazeka kweenyanga ezimbini, ufumana i-$ 500 kunye ne-333 yee-333 (i-66 2/3% ye-$ 500) okanye i-$ 833 ngeveki.
Isigxina esipheleleyo Umqeshwa unokufanelekela ukukhubazeka ngokusisigxina xa engakwazi ukusebenza ngenxa yokulimala komsebenzi ongenakuphiliswa. Umqeshwa ngokuqhelekileyo kufuneka ukuba angenise ingxelo yengcali kumgcini-mali womqeshi. Abangangomntu bango-insurer bahlaziya ingxelo kwaye banqume ukuba umqeshwa unelungelo lokufumana izibonelelo. Indlela apho iintlawulo zibalwa zihluka ukusuka kwiphondo ukuya kwilizwe. Kwamanye amazwe, umqeshwa angayifumana intlawulo kwintsali yakhe yobomi.
Inxalenye engapheliyo Kwezinye iindawo, ukukhubazeka okusisigxina kuyahlula zibe ngamaqela amabini: ishedyuli kunye non-schedule. Utyalo lweShedyuli lubandakanya inxalenye ethile yomzimba njengomnwe, isandla okanye iso. Umqeshwa ogxotha ngokusisigxina inxalenye yomzimba efakwe kwishedyuli ufanelekile kwiiveki ezichaziweyo zeentlawulo zokukhubazeka. Umzekelo, umqeshwa olahlekelwa ngumunwe angayifumana, uthetha iiveki ezingama-45 zokukhubazeka (ngokusekelwe kwi-66 2/3 yemvuzo wakhe weveki nganye).
Ukuba umqeshwa uye wafumana inzakalo engasigxina engalulwanga kwishedyuli, inzuzo yakhe yokukhubazeka ibalwa ngokwemigaqo yomthetho. Ngokuxhomekeke kwilizwe, inzuzo inokusekelwe kumgangatho wokukhubazeka kwabasebenzi, ukulahleka kwamandla okufumana, ukulahleka kwemvuzo okanye enye into.
Ku hlaziywa
Uninzi lwabantu lunikeza uhlobo oluthile lokuvuselela izakhono kubasebenzi abangakwazi ukubuyela emsebenzini wabo wangaphambili ngenxa yokulimala emsebenzini. Abanye banokubonelela ukulungiswa kwengqondo ukuba umsebenzi unobungozi bentsholongwane yengqondo.
Ukufa
Ukuba nawuphi na umsebenzi ofa ngenxa yokulimala okunxulumene nomsebenzi, iintlawulo zokufa zihlawulwa kwiqabane lomsebenzi, abantwana abancinci kunye nabanye abaxhomekeke kuyo. Iindleko zokungcwaba zihlanganisiwe.