Insurance Insurance
Inkampani yomshuwalense wobomi benkampani yenziwe ukuba ikhusele amabhizinisi avela ekufeni kwabasebenzi ababalulekileyo kwimisebenzi yeenkampani. Ukuxhaswa kuyinkinga njengokuba abanye abantu bacinga ukuba ishishini akufanele lizuze ekufeni kwabasebenzi babo. I-COLI yaxhatshazwa kwiminyaka ye-1980 kunye neye-1990 xa iinkampani ezinkulu zathengisa imigaqo-nkqubo kumawaka angamazinga aphantsi aphezulu ngaphandle kolwazi lwabo lokuxhaphaza irhafu. ICongress yavala iingqungquthela ngo-2006 ngokudlula uMthetho woKhuselo lwePensheni. I-COLI ngamanye amaxesha ibizwa ngokuba ligama elihlekisayo "inshorensi yehlabathi efile."
Ingaba isebenza kanjani
I-COLI idla ngokusekelwe kubomi bonke okanye inshorensi yobomi bendalo. I-premium inamalungu amabini:
- Iindleko ze-inshorensi, yindleko yokugcina umgaqo-nkqubo usetyenziswa
- Ixabiso lemali. Oku kubonakalisa into yokugcina yomgaqo-nkqubo.
Iindleko ze-inshurensi ziquka isixa semali yokufa kunye neendleko zolawulo.
Ingxenye yokonga iquka imali etyalomali kwiifa ezinjenge-stocks kunye nezibophelelo. I-COLI inokusekwa ukuze i-asethi ibanjwe kwi-akhawunti eyodwa okanye i-akhawunti jikelele. Xa i-COLI ibhalwa nge-akhawunti ehlukeneyo, umnini-mgaqo-nkqubo ulawula i-asethi kwaye unokukhetha indlela yokwabela imali phakathi kwabo.
Ixabiso lentengo yokonga iyancipha njengoko ixabiso lexabiso eliphantsi liguquka. Xa i-COLI isetyenziswe nge-akhawunti jikelele, umgcini-mali uyawulawula i-asethi. Ngaphantsi kweli hlobo lokuseta, umgcini-mali uya kugqiba indlela yokwabela imali phakathi kweempahla ezigcinwe. Umshuwalense uchaza izinga elifanelekileyo lokubuyela ngonyaka.
Iindidi ze-COLI
Kukho iintlobo ezininzi ze-inshorensi yobomi benkampani. Omnye ngumntu osisiseko senkonzo yomshuwalense, ohlawulisa inkampani ngokulahlekelwa ngumntu (njengomlingane okanye umongameli) obaluleke kakhulu ekusindeni kwenkampani. Ngokuxhomekeke kumgaqo-nkqubo othengiweyo, i-inshurensi yomntu oyintloko unokubonelela ngeenkonzo zokuphila okanye ukukhubazeka.
Olunye uhlobo lwe-COLI li-inshurensi ye-inshorensi yempilo. Njengoko igama layo libonisa, luquka ilungiselelo apho inkampani nomqeshwa babelana nge-premium, inzuzo yokufa, kunye nenani lemali lomgaqo-nkqubo. Uninzi olukhetho lukhoyo. Ngokomzekelo, umqeshi unokuhlawula yonke i-premium. Xa umqeshwa efa, abaxhamli bakhe bafumana inzuzo yokufa. Inkampani ifumana inkokhelo yemali yomgaqo-nkqubo okanye inani elihlawulelwa kwiiprayimari, nokuba ngubani omkhulu.
Kutheni abaqeshi bethengisa i-COLI
I-COLI isoloko isetyenziselwa ukuthenga izicwangciso zempesheni zabasebenzi, ezifana nezicwangciso zezempilo eziphambili ezingafanelekanga okanye izicwangciso zokuhlawulela izibonelelo.
Umqeshi (umnikazi we-COLI) unokuhlawula iintlawulo ngokurhoxisa ixabiso lemali ye-inshurensi okanye ukuboleka kuyo. I-COLI inikezela inzuzo yerhafu kubaqeshi ukususela kwimbuyekezo yentlawulo-mali (ukunyuka kwexabiso lemali) kunye neenzuzo zokufa akukho ntlawulo. Ngaphansi kwemithetho ye-IRS , iinzuzo ezingenalo irhafu kuphela xa umsebenzi we-insured efaneleka njengomlawuli wekampani, umqeshwa ohlawuleka kakhulu, okanye umntu ohlawulwa kakhulu njengoko le migaqo ichazwa yi-IRS. Iipriyamu ezihlawulwe umgaqo-nkqubo azihlawulwanga irhafu.
Iimfuno Zesaziso
Ngaphantsi komthetho wesigqeba, abaqeshi abathengayo i-COLI kufuneka banikeze isaziso esibhaliweyo kubo bonke abasebenzi abanobomi obuqinisekisiwe. Isaziso kufuneka sichaze ukuba inkampani ngumxhamli kwaye ichaza inani leminshurensi ethengiweyo. Abasebenzi kufuneka banike imvume yabo ebhaliweyo kwilungiselelo phambi kokuba umgaqo-nkqubo ukhutshwe.
UkuFakelwa kweRhafu
Nayiphi na inkampani ezithenga i-inshorensi yobomi benkampani kufuneka ifake ifomu ye- IRS yerhafu 8925 ekupheleni konyaka ngamnye apho i-COLI isebenza. Inkampani kufuneka ibhengeze inani labasebenzi elithwalwe yi-inshurensi kunye nenani le-inshurensi esebenzayo ekupheleni konyaka werhafu. Abanikazi bamaphepha kufuneka babonise ukuba ngaba imvume evumelekileyo ifunyenwe kumqeshwa ngamnye. Ukuba ngaba nabani na abaqeshwa abangavumanga, inkampani kufuneka ibhengeze ukuba bangaphi abantu abangavumelani. Inkampani inelungelo lokufumana imali yomgaqo-nkqubo ngaphandle kwerhafu ngaphandle kokuba ifake ifomu 8925.