Uluhlu loLwazi
Amava alungiselelo yinto enobuninzi eyenziwa yi-premium yakho. I-modifier ingaba ngaphantsi, ilingana, okanye iphezulu kune-1.0. Umququzeleli ongaphantsi kwe-1.0 uza kubangela ukuba ityala (ukunciphisa i-premium) ngelixa i-modifier engaphezulu kwe-1.0 iya kubangela ukukhishwa kwe-debit (ukunyuswa kwe-premium).
Iinguqulelo zeenkcukacha zibalwe yinkqubo yokuhlaziywa kwabasebenzi. Oku kufuneka kube yi- NCCI ukuba inkampani yakho iqhuba ishishini kwi-NCCI. Ngaphandle koko, i-modifier yakho iyakubalwa ngamaziko ohlaziyo lwabasebenzi baseburhulumenteni. Kungakhathaliseki ukuba yiyiphi inhlangano eyenza umququzeleli wakho, kufuneka unikeze iphepha lokusebenzela elichaza indlela yakho yokuguqula ngayo. I-modifier ibalwa ngokusekelwe kwimbali emithathu yeminyaka yakho yokuhlawula kunye nelahleko. Olu lwazi lunikezelwa kwintlangano yokulinganiswa ngu- inshurensi yakho .
Eli nqaku liza kuchaza i-NCCI ye-Assessment Worksheet. Nangona ama-worksheets asetyenziswa kwii-NCCI asenokuthi ahluke ngenye indlela kwi-NCCI, ngokuqhelekileyo iqulethe iindidi ezifanayo.
Isishwankathelo seCandelo
Isiqendu esiphezulu sephepha lomsebenzi siqukethe isishwankathelo se-akhawunti. Eli candelo liquka ulwazi olulandelayo:
- Igama lomngcipheko Igama lakho lenkampani
- Ukuchonga Ingozi Ukubala Inani leenombolo ezili-9 elinikezelwe kwinkampani yakho yiNCCI
- Isilinganiselo Umhla osebenzayo Umhla wakho wokuguqula usebenza. Oku kudla ngokufana nomhla wokukhumbula usuku lwakho lokukhumbula.
- Umhla wokuvelisa Umhla wakho wokuguqula ubalwa
- Urhulumente Umbuso osebenza ngawo ukuba wenze ishishini kwelinye ilizwe kuphela. Uya kubonisa "phakathi" xa usebenza kumazwe amaninzi.
Ixesha loLwazi
Iphepha lokusebenzela eliphambili lihlulwe ngokwahlukileyo zibe ngamacandelo amathathu, enye yonyaka ngamnye ifakwe kwixesha lokufunda. Icandelo ngalinye lishwankathela i-premium kunye nokulahlekelwa kwengcaciso yonyaka obonisiweyo. Idata ilungiselelwe ukuba ulwazi oludala kunabo bonke luphezulu. Ngokomzekelo, cinga ukuba umguquleli wakho we-2015 ubalwe kusekelwe kwidatha ukusuka ngoJanuwari 1, 2011 ukuya kuJanuwari 1, 2014. Idatha yexesha elinguJanuwari 1, 2011 ukuya kuJanuwari 1, 2012 liya kubonakala phezulu. Iya kulandelwa yedatha yonyaka olandelayo (2012 ukuya ku-2013). Idatha yonyaka osandul 'utsha (2013 ukuya ku-2014) ibonakala ngasezantsi.
Kwiminyaka emithathu kwiphepha lokusebenzela liluhlu nenombolo yomgaqo-nkqubo kunye nemihla ephumelelayo yomgaqo-nkqubo. Kwakhona kufakwe ikhowudi yezintlu ezi-5. Le khowudi ibelwe yi-NCCI. Ichonga umshwalense okhupha umgaqo - nkqubo .
Amakhodi eklasi, i-Payroll kunye neLindleko elindelekileyo
Iphepha lokusebenzela lihlelwe ukwenzela ukuba iikhowudi zakho zokuhlelwa , i-payroll kunye nedatha yokulahleka ekulindelwe ibonakale kwicala lasekhohlo lephepha. Ulwazi lwebango (olubhekiswe kwiCandelo lesiBili kweli nqaku) livela ngakwesokudla.
Itafile engezantsi ibonisa uhlobo lolwazi oluvela kwiikholamu zokuqala zesithandathu. Ikholamu yokuqala (Ikhowudi) ibonisa iikhowudi zokuhlelwa ezabelwe kwi shishini lakho.
Kulo mzekelo kukho iikhowudi ezimbini zeklasi, 8810 (abaSebenzi bee-Ofisi zabasebenzi) kunye ne-8742 (ngaphandle kwabathengisi bentengiso).
Ikholam ye sibini ibonisa uluhlu lweLindleko eLindelweyo (ELR). I-ELR iyinani lemali elibalwe ngama-actuaries. I sekelwe kwi-premium kunye nelahleko yedatha kubo bonke abaqeshi kwicandelo lakho loshishino. I-ELR iyinani le-dollar elithathwa ngu-insurer yakho ilindele ukuchitha imali ngokulahlekelwa ngama-100 e-payroll. Ngokomzekelo, ukuba i-ELR ingu -10, ke umgcini wakho womshuwalense ulindele ukuchitha iisente ezilishumi kwilahleko ze-$ 100 zee-payroll yakho.
| Ikhowudi | ELR | D-Ratio | Iintlawulo | Ukulindela | Ukulindela okuPhambili |
|---|---|---|---|---|---|
| 8810 | .10 | .38 | 3,500,000 | 3500 | 1330 |
| 8742 | .25 | .32 | 1,800,000 | 4500 | 1440 |
Iindleko zokulindela zibalwe ngokuphindaphinda ii-ELR izihlandlo zakho zokuhlawula (zahlulwe ngamashumi a-100). Kulo mzekelo ukhankanywe ngasentla, Ukulindela ukulahlekelwa kwekhowudi 8810 kubalwa ngale ndlela:
.10 X 3,500,000 / 100 = 3500
Nantsi ukubalwa kwikhowudi 8742:
.25 X 1,800,000 / 100 = 4500
Iiprayimari kunye nokulahlekelwa okungaphezulu
Kuphela isahlulo selahleko ezinkulu ozenzayo zisetyenziselwa ukulinganisa amava. Oku kukuthintela ilahleko elilodwa elikhulu ukuphazamisa kakhulu amava akho okuguqula. Uninzi lwamazwe lusele umyinge (njenge-$ 15,000) ehlukanisa ilahleko eziphambili kwilahleko ezingaphezulu. Isixa solahleko kuze kube semngciphekweni ochaziweyo kukulahlekelwa ngundoqo . Ilahleko eseleyo yilahleko . Ngokuxhomekeke kwimiba yesibango, yonke ilahleko yokuqala kodwa kuphela isahlulo sokulahlekelwa okungaphezulu kunokusetyenziselwa ukulinganiswa kwamava.
Ukuqaphela isabelo esiyinhloko selahleko ekulindelekileyo, ii-actuaries ziye zavelisa into ebizwa ngokuba yiRatio yeRhafu (D-Ratio). Ukulahlekelwa kweprayimari eziphambili kubalwa ngokuphindaphinda izinga lokunciphisa ixesha lokulahleka okulindelekileyo. Xa ilahleko ezilindelekileyo eziphambili zikhishwe kwilahleko ezilindelekileyo ezilindelekileyo, umphumo lulahleko olulindelekileyo.
Nazi izibalo zokulahlekelwa kwePrayimari eziPhambili kwiikhowudi ezimbini zeklasi eziboniswe ngasentla:
Ikhowudi 8842: .38 X 3500 = 1330
Ikhowudi 8742: .32 X 4500 = 1440
Amava akho okuguqula ibalwa ngokuthelekisa ilahleko zakho zangempela kwilahleko ezilindelekileyo.
Amabango kunye nokulahlekelwa okwenziweyo
Iikholomu zokugqibela ezintlanu zephepha lokusebenzela zivela kwicala lasekunene lephepha. Ezi kholam ziqulethe iinkcukacha ezinxulumene namabango kunye neentlawulo ezilahlekileyo ezenzekayo (ilahleko ezithintekayo ozinzile). Umzekelo unikezelwa ngezantsi.
| Iinkcukacha zamabango | IJ | OF | Eyona nto ilahlekelweyo | Eyona nto ilahlekileyo |
| 123456 | 05 | F | 18,000 | 15,000 |
| 654321 | 05 | O | 12,000 | 5,000 |
| NO.6 | 06 | F | 12,000 | 12,000 |
Idatha yeBango
Amabango adweliswe ngenani lebango phantsi kweBango loLwazi lweeNkcazo. Kulo mzekelo ungentla apha amabango adweliswe ngenani. Nangona kunjalo, amabango amancinci (abo bangaphantsi kwama-$ 2000) angabiniswa kunye. Iqela lamabango lichongwa ngamagama "HAYI." Iileta zilandelwa ngenani elibonisa ukuba mangaphi amabango afakwe kwiqela. Kulo mzekelo ungentla, "I-NO6" ithetha ukuba amabango ayisithandathu ahlanganiswe ndawonye. Amabango amancinci adibeneyo kuphela xa aquka uhlobo olufanayo lokulimala, njengoluhlobo lwezonyango kuphela.
Ikhowudi yokuLawulwa kunye neSimo
Ukunene kweNkcazo yeMangalo yikholamu ene-IJ. "IJ" ithetha ikhowudi yokulimala. Le khowudi yenombolo echaza uhlobo lwesibango. Ngokomzekelo, "u-5" ubonisa ibango lonyango kuphela xa "6" ithetha ibango lokukhubazeka okwethutyana (inxalenye okanye iyonke).
Eyona nto ikhowudi yokulimala yikholamu ene-OF. Ezi ncwadi zichaza isimo sebango ngokuthi "O" okanye "F." Incwadi ethi "O" ithetha ukuba ibango livulekileyo ngelixa "uF" lithetha okokugqibela (kuvaliwe).
Itheyibhile engenhla iqulethe idatha yesibhozo. Izibango ezithandathu zonyango ziye zahlanganiswa ngelixa izibini zokhubazeko zesikhashana zihlulwe ngokwahlukileyo. Ngeenjongo zalo mzekelo, umda wokulahlekelwa kweprayimari yi-$ 15,000.
Eyona nto ilahlekelweyo
Iikholam ezimbini zokugqibela kwicala elikude lephepha lokusebenzela liqulethe idatha malunga nelahleko ezenziweyo. Lezi zinzuzo zempindiselo zabasebenzi ( iintlawulo zonyango kunye neentlawulo zokukhubazeka) wakho umshwalense uye wakhokhela abasebenzi abalimele egameni lakho. Ukulahleka kubandakanya ukugcinwa kwamabango ahlala evulekile. Isitoreji isixa sakho somshuwalense usibekele eceleni ukuhlawulwa kwexesha elizayo.
Ukwenyelwa Kweyona Nenzuzo kuthetha ukulahleka oye wakuxhasa ngokubhekiselele kwibango (okanye iqela lamabango) libonisiwe. Eyona nto ilahlekelwa yiNtloko ibonisa isabelo selahleko zakho zonke ezibhekwa njengelahleko eziphambili. Xa i-Loss Primary Loss ikhutshwe kwi-Real Acurred Losses, umphumo yiyona eyona nto ilahlekelwe yintlawulo. Kuphela isahlulo selahleko esongeziweyo sisetyenziselwa ukulinganisa amava.
Ixabiso loLungiso
Kwizinto ezininzi zithi izibango zonyango kuphela zixhomekeke kwi- Adjustment Rating Rating (ERA). Xa i-ERA isebenza, kuphela i-30% yemali yesibheno isetyenziselwa ukulinganisa amava. I-70% eseleyo ayikhokelwa. I-ERA isebenza kwiibango ezenza iindleko zonyango kuphela. Ayisebenzi kwiimangalo ezibangelwa iintlawulo zokukhubazeka.
Izinto zokubala
Ifom yefom yefayile ibandakanya izinto ezimbini ezidalwe ngama-actuaries. Okokuqala kuthiwa ngumlinganiselo wesisindo. Esi sibonelo sinquma ukuba ubuninzi bakho obulahlekileyo obuninzi busetyenziswe ukubala i-modifier yakho. Isisindo somzimba sincinci kumafemu amancinci kwaye sanda njengoko inkampani yakho ikhula. Ukuba inkampani yakho incinci kwaye ulahlekelwa yilahleko enkulu, isisindo somzimba siya kunciphisa umphumo welahleko kumaziko okuguqula amava. Ukulahlekelwa kuya kuba nomthelela omkhulu kumguquleli wakho ukuba iqumrhu lakho likhulu.
Into yesibini ibizwa ngokuba yi- ballast . Njengoko igama layo libonisa, i-ballast inefuthe elizinzileyo. Injongo yalo kukugcina i-modifier yakho ekuphambukeni kakhulu (phezulu okanye phezulu) kubunye (1.0).
Ukubalwa
Ifomula yefom ye-experience iguqula kokubili ukulahlekelwa kwakho okwenene kunye nokulahlekelwa kwakho okulindelekileyo. Xa zombini iinombolo zitshintshiwe, ukulahlekelwa kwakho okwenene kuhlulwe yiLungelo lakho elilahlekileyo. Isiphumo sakho siyi-modifier yamava.
Okokuqala, ukulahlekelwa kwakho okwenene kuqikelelwa ngokubala isixa-mali kwezi zinto zilandelayo zintathu:
- Okwenene Ukulahlekelwa Kwimali Eyintloko Ukuba i-ERA isebenza kwimeko yakho, ke kuphela i-30% yezibango zakho zonyango ziya kufakwa kwifom.
- Ukubaluleka kwexabiso Eli xabiso limiselwe ngokuphindaphinda ukulahlekelwa kwakho kwexesha elide elilindelekileyo (1 ngaphantsi komlinganiselo wesisindo) kwaye wongeza i-ballast.
- I-Ratable Your Oversease Loss This is the amount of Actual Excess Losses esebenzisiweyo. Kubalwa ngokuphindaphinda umlinganiselo wesisindo ngokulahlekelwa kwakho okwenziweyo.
Ngokulandelayo, ukulahlekelwa kwakho okulindelekileyo kuqikelelwe ngokubala isixa-ndelayo:
- Ixabiso lakho eliLindelweyo eliPhezulu Eli nani linikezelwa yinkqubo yokulinganisa.
- Ukubaluleka kwexabiso Eli xabiso libalwe ngendlela efanayo njengoko kuboniswe ngasentla
- I-Ratable Your Oversease Loss This is the amount of Expected Excess Loss used for rating rating. Kubalwa ngokuphindaphinda umlinganiselo wesisindo ngokulahlekelwa kwakho okwenziweyo.
Ekugqibeleni, ukulahlekelwa kwakho okwenene kuhlulwe yiLungelo lakho elilahlekileyo. Ngokomzekelo, cinga ukuba ilahleko zakho (ezisekelwe kwifomyula) zaziyi-45,000 zama-$ kunye nokulahleka okulindelekileyo kwakuyi-$ 50,000. Amava akho okuguqula ayakuba ngu-$ 45,000 / $ 50,000 okanye .90.