Ukuba noNcedo lweNkxaso-mali yeNtshurensi yabasebenzi
Kwiimeko ezininzi, ukuba unabasebenzi, impendulo nguwewe, oko kuthetha ukuba kufuneka ubhalise ishishini lakho kunye neBhodi yeMbuyekezo yeBasebenzi bePhondo (WCB) kwaye uhlawule iipresimesi zempesenti zabasebenzi base-Workers 'compensation (WCI) ngokusekelwe kwicandelo lakho lokuhlalutya.
Eyona ndlela iyingozi
Ngaphambi kokuba uqale ukuqalekisa, qwa lasele.
Kuthekani ukuba omnye wabasebenzi bakho akalimele emsebenzini? Ingaba ishishini lakho liyakwazi ukuhlawula iibhilikhwe zakhe zonyango, nayiphi na ingozi eyanikezelwa yinkantolo, kunye neendleko zokubuyiselwa kwakhe?
Kuthekani ukuba abasebenzi abangaphezu kweyodwa balimala? Inkonzo yomshuwalense yabanini-mboleko ikhusela abaqeshi kwiimangalo ezibangelwa ukulimala kwabasebenzi. Ikhusela ibhizinisi lakho kumacala omthetho kwaye inikezela abasebenzi ngembuyekezo yokulimala emsebenzini.
Umgaqo woMbuyekezo lwaBasebenzi
UMthetho weMbuyekezo kaMsebenzi usekelwe kuMgaqo-nkqubo weMeredith, ukhankanywe nguMgwebi oyiNtloko we-Ontario, uSir William Meredith, kwingxelo yakhe malunga nokuhlawulelwa kwabasebenzi ngaphezu kweminyaka engama-80 edlulileyo.
Iingxenye ezine zomgaqo wukuthi abaqeshi bathatha iindleko ezizeleyo zembuyekezo, ukufumana ukhuselo kumacala okusolwa ngenxa yokulimala; Abasebenzi banikezela ilungelo lokumangalela abaqeshi babo kwaye bafumane iintlawulo zokuhlawulela ngaphandle kweendleko zokulimala okunxulumene nomsebenzi; ukunganakwa kunye nephulo ngenxa yengozi akuyiyo ingqalelo; kwaye inkqubo elawulwa yinkampani engathathi hlangothi iya kuba negunya elilodwa phezu kwayo yonke imiba evela kumthetho onika amandla.
Leli qumrhu elingathathi hlangothi laba yiBhodi yokuXhobisa iBasebenzi (iWCB).
Uxanduva lwakho njengoMqeshi
Njengomqeshi, uxanduva lwakho, (ngaphandle kokubhalisa kwi-WCB efanelekileyo kunye nokuhlawula iipriyamu), kufuneka usebenze nabasebenzi ukukhusela ukugula kunye nokulimala, nokubika ukulimala nokuncedisa abasebenzi abalimele ukubuyela emsebenzini.
Njengokuba sele uqikelele, iMbuyekezo yeBasebenzi ilawulwa kwiphondo kunokuba ifumaneke ngokusesikweni, oku kuthetha ukuba ngokuthe ngqo amabhishini kufuneka athathe i-inshorensi yeeNkampani zomshuwalense kunye nowaphi amashishini anokukhetha ukuba athathe i-inshorensi yeeNkampani zeNkxaso-mboleko yenkxaso-mali iyahluka ukusuka kwiphondo ukuya kwintsimi.
Ngubani Ubhalise?
Ngokuqhelekileyo, ukuba ibhizinisi lakho lifakiwe , okanye ukuba unabasebenzi, kufuneka ubhalise kwiBhodi yeMbuyekezo yabasebenzi bePhondo okanye i-WCB (kwaye uhlawule iiprimiyamu zempesimali zempesimali zempesheni zabasebenzi). Abanikazi bodwa okanye abaqhubi abazimeleyo abaqhuba amashishini angabandakanywa kunye nabasebenzi akufuneki ukuba babhalise i-insurance Insurance compensation, nakuba bangakhetha ukhetho lokuzikhethela.
Oku akusoloko kunjalo, nangona kunjalo; KwiiNorthwest Territories, onke amashishini kufuneka abhalise kunye neWCB zingadlulanga iintsuku ezili-10 emva kokuqalisa ukusebenza, nangona ukuba ishishini alikho abasebenzi, njengoko ungeke ufumane ilayisenisi yoshishino ngaphandle kwesiqinisekiso sokuthotyelwa kweWCB.
Kwi-BC, phantse wonke umqeshi kufuneka abhalise kwi-WorkSafe Online, kuquka abantu abazakhela amakhaya abo, kunye nabantu abaqeshisa uncedo lwasemakhaya rhoqo, njengabalimi, abahlambululi, okanye ama-nannies.
(Ewe ngokwenene; yibona Ngaba kufuneka Ndibhalise?)
Ukuba unobuciko lincinci, inani labasebenzi onokuthi linqume ukuba kufuneka ubhalise i-insurance Insurance compensation. Ku-New Brunswick, umzekelo, kufuneka ubhalise ukufumana ingxelo xa uqeshe abasebenzi abathathu okanye ngaphezulu; eNova Scotia, kufuneka ubhalise ukuba unabasebenzi ababini okanye ngaphezulu. Kwamanye amaphondo, njenge-Alberta, apho kufuneka ubhalise kwi-WCB zingakapheli iintsuku ezili-15 zokuqesha umqeshwa wakho wokuqala okanye osebenza ngexeshana, okanye i-Ontario, apho kufuneka ubhalise zingakapheli iintsuku ezili-10 zokuqesha indawo yakho yokuqala okanye yexeshana umqeshwa, akenzi nto.
Imimiselo yeNkcazo yePhondo iVary kwiPhondo
E-Alberta, abalawuli (amagosa abhalisiweyo) ezinkampani azihlanganiswa ngokuzenzekelayo, nangona zingafaka izicelo zokuzikhethela ngokwabo.
Nangona kunjalo, ukuba inkampani yakho ifakwe kwi-BC, bonke abanini-nxaxheba okanye amagosa abandakanyekayo kwi shishini lenkampani babonwa njengabasebenzi bekampani.
ENew Brunswick, abaqeshi abasebenzela inkampani ephantsi kufuneka ba ndakanye nabo bonke abafumana umvuzo kwiinkampani zabo zonyaka, kungakhathaliseki ubudala, kuquka nabanikazi, amagosa olawulo, abalawuli kunye nabaphathi, oku kuthetha ukuba kuya kufuneka uquke abantwana bakho ingxelo yakho ukuba ubahlawula ukuba usebenzele inkampani yakho. Amanye amaphondo anemingcipheko yobudala.
Akunandaba ukuba abasebenzi bahlala ixesha elizeleyo, ixesha lexeshana, okanye abaqhelekanga, okanye ukuba ngaba ngabaqeshwa besivumelwano okanye abaphantsi kweekhontrakthi. Kwimaphondo amaninzi, njenge-Alberta, ukuba uqeshe umnini-mhlaba (umntu osebenza kwinkampani kodwa engenabasebenzi) ukuba enze umsebenzi kuwe, umnini-mhlaba uthathwa njengomnye wabasebenzi bakho, ngaphandle kokuba egcina eyakhe Akhawunti yeWCB.
Nangona uyenzayo, awusayi kukhwela. E-Alberta, Ukuba uqesha abontrakraki okanye abathungathelanisi ngeakhawunti zabo ze-WCB, unembopheleleko ukuqinisekisa ukuba ezi ngxelo zimi kakuhle, onokuzenza ngokufumana imvume evela kwiWCB. Oku kukukhusela ekubeni ube noxanduva lokuhlawulwa kweeprayimari zontrakontrakta okanye i-subcontractor yakho. Le ngcaciso, Imbopheleleko Yakho Yontrakhontrakthi / Iintengiso, inika ulwazi oluthe xaxa malunga nemvume.
Unokufuna Inkonzo Yomshuwalense Wembuyekezo Yabasebenzi Nokuba Uyakhululwa
Amanye amashishini akhululwa kwiNkampani yomshuwalense weNkampani yomshuwalense. E-Ontario, iinkqubo zeekhompyutheni, iinkqubo zonyango zempilo yabucala ezifana nezoogqirha kunye neengcali zonyango, ukunyamekela kwangasese, ii-arhente zokuhamba, iifoto-zithombe kunye ne-taxidermy ziphakathi kwamashishini akhululwe. Amashishini ahlawulwayo kwiphondo elinye asenokungabikho kwenye, ngoko kuya kufuneka uhlolisise ne-WCB yakho yephondo ukuqinisekisa.
Nokuba i-inshorensi yoNcedo lwaBasebenzi ayimfuneko kwi shishini lakho, usenokufuna ukuyithenga ngokuzithandela. Ukuba ungumkhontrakthi, umzekelo, unokufumanisa ukuba iinqununu zikhetha ukujongana nabontrakontrakthi abaneeNkampani zomshuwalense weNkxaso-mali yabasebenzi, kwaye ezinye iinkampani ziya kufakazela ubungqina bokuba unakho ukunika ingxelo.
Xa uthengela u-inshorensi yoNcedo lwabaSebenzi boBuququzelelo boBasebenzi, qiniseka ukuba useke imali oyithengayo kwimali yakho engenakunyulwa, njengoko le mali iyakusetyenziswa ukufumana imbuyekezo xa unobungozi obunxulumene nomsebenzi. Ukuba uthenge kuphela ubuncinci obuncinci, awuyi kufumana izibonelelo ezaneleyo zokufaka umvuzo wakho olahlekileyo.
Iindleko zeNkxaso-mboleko yeNkxaso-mali yabasebenzi
Iindleko zeNkampani yomshuwalense yeNkxaso-mboleko ixhomekeke kuloluphi uphuhliso lwezoshishino lakho. Zonke ii-WCB zibeka amabhizinisi ngokubhekiselele kumashishini asebenza kuyo, kuba kuthathwa ukuba amabhizinisi anemisebenzi efanayo afana nobungozi obufanayo.
Xa uqala ukubhalisa kunye neWCB, kufuneka unikezele inkcazo epheleleyo yemisebenzi yezoshishino ukuchonga isigaba soshishino lwakho. Inqanaba leNkampani yomshuwalense weNkxaso-mboleko yempesheni ibalwa ngeyonke imali eyi-100 eyi-earnings. Umbutho weeBhodi zeMbuyekezo zoBasebenzi baseCanada unemibare eyahlukeneyo kwiirhafu zokuhlola zephondo kunye neerhafu ngokuhlelwa kwemveliso (jonga iimvavanyo kunye neeNyanga).
Kukho umahluko omkhulu kwimilinganiselo ye-premium yamaphondo phakathi kwamaphondo. Ngo-2013, umzekelo, i-Alberta yayinqanaba le-premium eliphantsi kakhulu kwi-$ 1.12 ngemali eyi-100 yokubhadela. Isilinganiso sesibini esiphantsi kwesilinganiselo sokuvavanya ngo-2013 kwakunguNew Brunswick, kwi-$ 1.44.
Okwangoku, kwelinye icala ekupheleni kwezinga, iNqanaba likaVavanyo lase-Newfoundland lika-2013 laliyi-2.75 yezigidi, lilandelwa yiNova Scotia kunye nezinga lokuhlola eliphakathi kwe-2.65.
Zonke i-WCB zisebenzisa inkqubo yentengo-siseko, okuya kuchaphazela neendleko zeepriyamu zakho zibe ngcono okanye zibi. Kwimeko elungileyo, abaqeshi abanciphisa inani lezengozi kunye nokulimala kwimisebenzi yabo bahlawula ngaphantsi. Ingcipheko kukuba abaqeshi abaneengxelo ezingekho ngengozi kunye neirekhodi zokulimala zihlawula iiprayimari eziphezulu.
Esi sicwangciso senzeke sithetha ukuba unako ukufumana izaphulelo kwiipresimesi zakho zeeNkxaso zeNkxaso-mali zabasebenzi. Amanye amaphondo, afana ne-Alberta, anika inzuzo engakumbi; unokufumana isaphulelo esongezelelweyo ukuya kuma-20% ngokuthatha inxaxheba kwiNkqubo yoLutsha lokuNcitshiswa koKhuseleko.
Inzuzo Yokubanjelwa
Ukubhalisa nge-WCB kunye nokuhlawulwa kwee-premium zempesimali zempesimali zabasebenzi abaqinisekanga kungekho phakathi kwezinto ezininzi ezithandayo abantu abashishini, kodwa ziyimfuneko. Cinga ngento enokwenzeka ntoni kwi shishini lakho ngenxa yesigwebo esisodwa somonakalo ochaphazelekayo emsebenzini. Iinkqubo zomshuwalense yeWCB zinika abaqeshi ukukhusela, ezivumela ukuba bahlasele umngcipheko baze babelane ngeendleko.