Iimpazamo kwi-Administration Benefits
Njengenkampani ezininzi, inkampani yakho inokunika iinkonzo ezinjenge-inshurensi yempilo okanye ukunakekelwa kombono. Iiphakheji ezintle ezinokunceda zinokukukhangela abasebenzi abatshintshi kwaye zigcine ezo zinto.
Sekunjalo, inzuzo ingaba ngumthombo wamacala okulwa nequmrhu lakho ukuba alawulwa kakuhle. Nokuba iiphoso zincinci zamabhalana zingaba nemiphumo emibi.
Ngokomzekelo, cinga ukuba inkampani yakho inezakhiwo ezininzi zezindlu. UBob, umsebenzi omtsha wesondlo, uzalise iphepha eliyimfuneko ukubhalisa kwisicwangciso sezempilo esixhaswe yinkampani. Ngelishwa, uBob akabhaliswanga ngenxa yephutha lokubhala elenziwe nguKristin, umphathi wakho wobuncwane. Kwiinyanga ezintandathu kamva, uBob uphethwe esibhedlele ngesifo esibi. Uyothuka xa efumanisa ukuba akanalo inshuwalense yezempilo. Xa iibhilikhwe zakhe zonyango zixhamla, uBol ubhala isetyala efuna ukuhlawulwa kweendleko zakhe. Amagama akhe afana noKristin kunye nenkampani yakho.
Ingafihliwe yiMigaqo yoLuntu
Iimfanelo ezinjengeBob azihlanganiswa phantsi kweenkqubo zentengiso jikelele . Kunye into, iphutha lolawulo alihambelani nencazelo "yenzeke" kumgaqo-nkqubo.
Okwesibini, iziphene zebhalisa azibanga ukulimala komzimba okanye umonakalo wepropati . Kunoko, bangela ukulimala kwezezimali, ezingagqitywanga yimigaqo-mfanelo.
Unokuqinisekisa inkampani yakho ngokubhekiselele kumabango okubangelwa yimpazamo yokulawula ngokuthenga inzuzo yomqeshwa (EBL). Iphepha le-EBL lingadibaniswa kumgaqo-nkqubo wokuzibophelela ngokubanzi ngokuvuma.
Iimfuno zamabango eziqhelekileyo
Iziphakamiso ze-EBL zivame ukuhlawula umonakalo okhushulwayo onyanzelekile ngokusemthethweni ukuba ahlawule ngenxa yesenzo, isiphene okanye ukungaphumeleli okwenziwayo ekulawuleni izibonelelo zabasebenzi. Ukukhutshwa kwe-EBL ngokuqhelekileyo kubangelwa ngamabango , nangona maxa wambi ikhona kwiimeko ezenzekayo.
Njengamabhengezo amaninzi amabango, i-inshurensi ye-EBL ingaquka umhla wokubuyisela. Oku kudla ngokuba ngumhla wokuqala wokuqala kwe-EBL. Ukuba ibango okanye i-suit ifakwe phantsi kwe-EBL yokuvumela, kufuneka ivele kwisenzo, impazamo okanye ukungaphumeleli okwenzekileyo emva okanye emva komhla ochaziweyo.
Izenzo ezifihliweyo
Ziziphi iintlobo zeziphene ezihlanganiswe yi-EBL endorsement? Impendulo ngokuqhelekileyo ixhomekeke kwingqalelo yegama lokulawula . Ingcaciso yeli gama iyahluka, kodwa ngokubanzi ithetha izenzo, iimpazamo okanye ukushiya kwimisebenzi echazwe ngezantsi.
- Ukuchaza izicwangciso zokuxhamla kunye nemigaqo yokufaneleka kwabasebenzi, amanye amalungu omndeni afanelekileyo kunye nabaxhamli- mzekelo Ngokomzekelo, umphathi wenzuzo uxelela umqeshwa ukuba isithandwa sakhe siphila esifanelekileyo kwisicwangciso se-inshorensi yezempilo.
- Ukugcina iifayile kunye neerekhodi ezihambelanayo neenzuzo zabasebenzi, nokuba iirekhodi zikhompyutheni okanye iphepheni Ngokomzekelo, iinzuzo zabasebenzi zengozi zonakalisa iifayile zekhompyutheni yomqeshwa okanye zilahleka ifayile yephepha.
- Ukubhalisa, ukugcina kunye nokuphelisa abasebenzi, amalungu omtshato afanelekileyo okanye abaxhamli kwizicwangciso zenkxaso-mali Ngokomzekelo, izibonelelo zabasebenzi zihluleka ukongeza umxhamli womqeshwa kwisicwangciso se-inshorensi yobomi esinikezwa ngumqeshi.
Izinzuzo ezifihliweyo
Xa uthenge i-inshurensi ye-EBL, qinisekisa ukuba ukuvumela ukufihla izicwangciso zakho zenkxaso iinkampani zakho. Uninzi lweemvume luchaza inkqubo yoxanduva lomqeshwa . Ingcaciso ibandakanya oku kulandelayo:
- Ubomi bomshuwalense , ingozi, amazinyo kunye nonyango kunye nezinye iintlobo ze-inshurensi
- Izicwangciso zePensheni, ukwabelana ngenzuzo, ubunini bempahla kunye nokulondoloza, kunye nezinye izicwangciso
- Izinzuzo Ukhuseleko loluntu, isinxephezelo sabasebenzi , ukukhubazeka kunye nezinzuzo zokungasebenzi
- Olunye u- Meyi luquka iinkonzo ezifana nokuncedisa ukufundiswa kunye nekhefu lokubeleka
Imida
Iimfanelo zoBasebenzi Izibonelelo zokubambisa iimbopheleleko ziquka imida emibini eyahlukileyo.
Umyinge ngamnye Umqeshi nguye uninzi umshwalense uya kuhlawula umqeshwa omnye, amalungu omndeni wakhe kunye nabaxhamli. Umda wokulingana ngowona mkhushurensi uza kuhlawula zonke izenzo, iimpazamo okanye ukushiya. Qaphela ukuba ukuvunyelwa kwe-EBL kungabandakanya ukuchithwa . Isixa esicatshulwayo singumrhumo ophezulu ongaphantsi kwee-pocket kumqeshwa ngamnye ofake ibango.
Ezingabikho
I-inshorensi ye-EBL ayihloselwe ukufihla umthwalo wakho njengesiqinisekiso. Ngaloo ndlela, akubandakanyi umonakalo apho nayiphi na i-insured inesibophezelo phantsi koMthetho woKhuseleko loNgeniso loMhlala-phantsi we-Employee. Kwakhona kubandakanywa namabango avela kwiingcebiso ezingekho phantsi kwezezimali okanye izibikezelo zentsebenzo. Ngokomzekelo, xhawula ukuba iingeniso zabasebenzi zitsho umqeshwa ukuba icebo le-401K lenkampani liza kuvelisa u-400% ngonyaka. Ukuba umqeshwa ngokuqinisekileyo uyazithatha izibonelelo zabasebenzi ngenxa yokuba ukubikezela kwakhe akuzange kuphume, ibango aliyi kugutyungelwa.
Ezinye izibhengezo ziquka ukuCokraza, ukuPhelelwa kweKontrakthi, ukuLawulwa kweBhodi kunye nokuLawulwa kwePropati, iiNkqubo eziHlangeneyo-ngqesho kunye neNgxowa-mali engekhoyo (ukuhlawula iintlawulo). Izenzo ezinxulumene nengqesho zibandakanya izenzo ezifana nokucalulwa , ukuhlukunyezwa ngokwesondo, kunye nokupheliswa okungafanelekanga. Ukuvunyelwa kwe-EBL kungaquka ezinye izibhengezo ngaphandle kwezo zidweliswe apha.
Ukongezwa kwexesha lokuBika
Ngenxa yokuba ukuvunyelwa kwe-EBL kuninzi kubango-benzi-benzi, baquka inketho yokuthenga ixesha elide lokunika ingxelo . Umshuwalense wakho unokukunika oku khetho ukuba wenza naliphi na oku kulandelayo:
- ukukhansela okanye ukungahlaziywa kwe- EBL
- ivuselela okanye ithathe indawo ye-inshurensi ye-EBL kunye neengxelo ezenziweyo zamabango ezinomhla wokubuyela emva kwangoko kunomgaqo wakho wangoku
- ivuselela okanye ithathe indawo ye-inshurensi ye-EBL kunye ne-EBL yomsebenzi osebenzayo kwisithuba esenzekayo
Ufuna i-EBL
Isidingo sobhengezo lwe-EBL kuxhomekeke kwizinto ezinjengokubalwa kwentloko yomqeshwa kunye neentlobo zeenzuzo ezinikezelwayo. Ukugqithwa kubonakala njengentambo ngokubhekiselele kumabango amaninzi ngabaqeshwa abanganeliseki okanye abaxhomekeke kubo. Akufanele isetyenziswe njengendawo yokulawulwa komngcipheko omhle.
Inkcazo ye-EBL ayibalulekile kuyo yonke ishishini. Iqumrhu eliqesha inani elincinci labasebenzi okanye elinikezela ambalwa okanye akukho zibonelelo aziyi kufuna le ngxelo. I- arhente okanye umthengisi wakho unokukunceda ukuba wenze isigqibo sokuba uthenge i-EBL coverage.