Imbali yabaSebenzi boMbuyekezo
Ngaphambi kokuba imithetho yempindiselo yabasebenzi isetyenziswe, abasebenzi abalimalayo nabaqeshi babo babelawulwa ngumthetho oqhelekileyo.
Umthetho ukhululeke kakhulu kubaqashi. Abasebenzi bangayifumana imbuyekezo ngenxa yokulimala komsebenzi ngokumangalela umqeshi wabo , kodwa babeyiphumelelanga ngempumelelo. Uninzi lwezinto ezifanelekileyo zomsebenzi zinganqotshwa ngokusekelwe kwesinye seziphakamiso ezilandelayo:
- Ukuxhaswa koMngcipheko Umqeshwa uthatha ingozi ehambelana nomsebenzi xa athe wathatha umsebenzi.
- Ukunyaniseka Ukunyaniseka komqeshwa kubangele ukulimala, ngoko umqeshi wayengenalo iphoso.
- Ukunyaniseka kwabasebenzi Abasebenzi Ukulimala komsebenzi kubangelwa ukunganakwa komnye umntu.
Ezi zikhuselo zazinzima kubaqeshwa ukuba banqobe, ngoko ke bambalwa bafumana nayiphi na intlawulo yokulimala emsebenzini. Le meko yaqala ukutshintsha kwinqanaba le-20 leminyaka njengoko uluntu lwaba nolwaphulo ngakumbi kwabasebenzi. Umthetho wokuqala wokuhlawulela abasebenzi eMelika wenziwa ngo-1911 yi-Wisconsin. Ezinye iinkcukacha zilandela ngokukhawuleza.
Ngasekuqaleni kwee-1920, iindawo ezininzi zaqalisa ukusebenza kwinkqubo yokuhlawula abasebenzi. Umbuso wokugqibela wokumisela umyalelo wokubuyisela abasebenzi waseHawaii. Umthetho wawo wadluliselwa ngowe-1949.
Umqathango onyanzelekileyo
Kuzo zonke izibini (i-Oklahoma kunye neTexas), ukuxhaswa kwembuyekezo yabasebenzi kuyimfuneko. Oku kuthetha ukuba abaqeshi banyanzelekile ngumthetho ukuthenga umgaqo-nkqubo wokuhlawula abasebenzi kubarhulumente babo.
Abaqeshi abazalisekisa le mbopheleleko ba khuselwe kumacala okusesikweni ngabasebenzi abalimele. Abasebenzi abamkela izibonelelo zokulimala ngaphantsi komgaqo-nkqubo wokuhlawulela abasebenzi bavinjelwe ekumangaleleni umqeshi waloo ngozi.
Imithetho yembuyekezo yokusebenza ayisebenzi kubo bonke abasebenzi. Imithetho ineminye imvelaphi, eyahluka ukusuka kummandla ukuya kutsho. Imithetho emininzi ingabandakanyi abasebenzi basekhaya kunye nezolimo, iikontraki ezizimeleyo kunye nabanikazi bodwa .
Amaxabiso acacisa ukulahleka okulindelweyo
Abaxhasi bemizi-mboleko yabasebenzi kunye nee-arhente zokulinganisa (njenge -NCCI ) ziqokelela inani elikhulu leenkcukacha kumabango okuhlawulela abasebenzi. Bayibeka i-data ngeqela loshishino kunye nekhowudi yokuhlelwa . Kulohlu ngalunye, babala inani kunye nobukhulu bamabango ezenzeke kwiminyaka embalwa edlulayo. Basebenzisa le datha ukuxela ubungakanani kunye nobuqili bebango elizayo. Xa uthengela inkokhelo yemphuwalense yempesheni yabasebenzi okokuqala, ireyithi ohlawulayo iya kubonisa amava amabakala aphakathi kwamakhowudi eklasi adweliswe kumgaqo-nkqubo wakho.
Ulimo, ukumbiwa kwezimayini kunye nokwakhiwa kuyingozi. Abasebenzi abaqeshwe kula ma shishini banokulimala kakhulu. Ngaloo ndlela, abaqeshi bakho bahlawula amazinga aphezulu malunga nokuhlawulelwa kwabasebenzi.
Abaqeshi abasebenzisa amashishini kuma-shishini angaphantsi ahlawule amaxabiso aphantsi.
Ukuvavanya kwamava
Xa ibhizinisi lakho liye lasebenza iminyaka embalwa, kuya kuba liphantsi kohlobo lwamava . Eli gama libhekiselele kwindlela yokulinganisela apho i-premium yakho ishintshiselwe okanye iphantsi ukuze ibonakalise imbali yelahleko yenkampani yakho. Ngokuxhomekeke kumava akho amabango, unokuhlawula ngaphezulu okanye ngaphantsi kwenkokhelo yemphuwalense yabasebenzi kunabanye abaqashi kwishishini lakho. Ukuba amava akho alahlekileyo angcono kunomyinge, i-credit ingasetyenziswa kwi-premium ye-compensation premium. Ukutshintsha kwakhona kuyinyaniso.
Amanqwanqwa okuNcitshiswa kweNkulumbuso
Abaqeshi baneenombolo zeendlela zokunciphisa ama-premium avunyelwe ngabasebenzi. Omnye ukuseka inkqubo yokulawulwa kwengozi ukwenzela ukunciphisa ukulimala komsebenzi. Ukuba ufuna uncedo lokuseka inkqubo, cela umboneleli wakho uncedo.
Abaninzi bango-inshurensi banikela iinkonzo zokulawula umngcipheko ekuncedeni abaphathi be-policy ukunciphisa ilahleko.
Enye indlela yokunciphisa ama-premium akho kukuba ubhalise kwisicwangciso sokwahlula . Izicwangciso zokwahlula umvuzo abaqeshi abanalo irekhodi elihle lokulahlekelwa. Zininzi iintlobo zezicwangciso. Ezinye izicwangciso zibala izahlulo ezisusela kwi-premium kuphela. Abanye baphinde baqwalasele amava akho alahlekileyo. Izicwangciso zokwahlula ziyahluka ngombuso, nakwezinye i-insurer ukuya kwelinye.
Indlela yesithathu yokunciphisa iindleko zokuxhaswa kwembuyekezo yabasebenzi i- self-inshurensi . Xa uyaziqinisekisa, uthatha isabelo somngcipheko wokulahlekelwa kwembuyekezo yabasebenzi. Iindidi ezimbini ze-self-inshurensi ezifumanekayo kumashishini amancinci isicwangciso esincinci esincinciweyo kunye ne-inshurensi yeqela. Iqela elizimeleyo liqokelela amashishini afaka iiprayimari kunye nelahleko. I-self-inshurensi yeqela ayifumaneki kuwo onke amazwe.