Uhlobo lokuvavanya lusetyenziswa rhoqo kwi-inshurensi yembuyekezo yomshuwalense. Kusetyenziswa kwakhona, kwinqanaba elincinci, kwezinye iindidi ze- inshorensi yecala , njengesixanduva esipheleleyo, uxanduva lokuthengisa umthwalo kunye noxanduva loxanduva .
Eli nqaku lijolise ekusebenziseni kwabo kwimigaqo-nkqubo yokuhlawulela abasebenzi .
Injongo
Ukulinganiswa kwamava kusekelwe kwingcamango yokuba abaqeshi kufuneka bahlawulwe i-premium ebonisa ngokuchanekileyo ingozi yabo. Iiplani zezifundo eziqhelekileyo ziqhathanisa nabaqeshi kwabanye abaqeshi kwicandelo elinye lezo shishino. Oku kuthetha ukuba ophahleni bafaniswa namanye amaphahla, kwaye iibheke zifaniswa nezinye iibhaki. Amava okulahlekelwa yiqela ngalinye lilinganiselwa. Umntu ngamnye olahlekelwa ngumntu olahlekelwa ngumntu uyaqhathaniswa namava okulahlekelwa yiqela. Ngokusekelwe kulo mzekeliso, uguqulelo lwamava lubalwa kumqeshi ngamnye.
Abaqeshi abanokulahlekelwa ngamava angcono kunokuba iqela eliqhelekileyo linikezelwa ngamava okuguqulela angaphantsi kwama-1.0. Njengoko kuchaziwe ngezantsi, uguquleli wanda nge-premium. Ngaloo ndlela, i-modifier engaphantsi kwe-1.0 iya kudala i-credit. Abaqeshi abanamava ababi ngaphezu koomyinge ngokuqhelekileyo banikwe umguquleli ophezulu kune-1.0.
Umququzeleli okhulu kunama-1.0 uza kubangela ukukhishwa kwemali.
I-experience rating inikeza inzuzo yezimali kubaqeshi ukunciphisa ilahleko, mhlawumbi ngokuphunyezwa kwenkqubo yokhuseleko. Kwakhuthaza nabaqeshi ukuba babuyele abasebenzi abalimele ukuba basebenze ngokukhawuleza. Kubasebenzi bomshuwalense wokuhlawulela abasebenzi , ukulinganisa amava kuqinisekisa ukuba i-premium eyaneleyo iqokelelwa ukujongana neengozi eziqinisekisiwe.
Ukulinganiswa kwamava kwenziwa yinkxaso yokuhlawula abasebenzi. Kwi- NCCI ithi, lo msebenzi wenziwa yi-NCCI. Kwilizwe elizimeleyo kunye nokuzimela, i-rating rating yenziwa yi-bureau rating rating.
Ukubalwa kweNkulumbuso
Ukuqonda ukulinganisa amava, kufuneka uqale uqonde indlela ama-premium yokuhlawula abasebenzi abalwa ngayo. Iintlawulo zeeNyanga zizimisele ngokuphindaphinda amaxesha ama-$ 100 ngamnye womvuzo wokuqeshwa kwabasebenzi. Ngokomzekelo, cinga ukuba imali yakho yokuhlawula i-$ 500,000 kunye nereyithi yi-$ 1. I-premium yakho iya kuba (500,000 / 100) X 1.00 okanye i-$ 5000. Le premium ibizwa ngokuba yi- premium manual . Le migaqo ibonisa ukuba akukho lwazi lolungiso olusetyenziswayo. Xa amava okuguqulela asetyenziswa kwi-premiums manual, umphumo kuthiwa yi- premium ephezulu.
Inkqubo yoHlelo
Ngaphambi kokuba i-premium yempesimenti yokuhlaziywa ingabonakaliswa, ishishini lakho kufuneka linikezelwe elinye okanye amanqaku amaninzi. Cinga ukuba inkampani yakho yenza imisebenzi yokubhala kwamanye amashishini. Uninzi lwabasebenzi bakho babelwe ukwahlula abaSebenzi beeHhovisi zeeHhovisi. Iqela lakho liqeshe nabathengisi bangaphandle ukufumana abathengi abatsha.
Uluhlu ngalunye lukwabelwe inombolo yeenombolo ezine ebizwa ngokuba ikhowudi yeklasi .
Ikhowudi yeklasi yeCCCI yabaSebenzi beeHhovisi zeeHhovisi ngu-8810. Abasebenzi bakho bezentengiso baye babelwa ukwahlula okuhlukeneyo, okuyi-8742. Ulawulo lwabaqeshwa bakho luya kubelwa phakathi kwezigaba ezimbini, kwaye isahlulo esahlukileyo siya kusebenza ngamnye.
Ukubala kweeNqanaba loLwazi
Ukulinganiswa kwamava ngokuqhelekileyo kusekelwe kwiminyaka emithathu ebizwa ngokuba ngamava . Eli xesha lisoloko liqulethwe kwiminyaka emithathu phambi kwexesha lakho eliphambili lexesha eliphelelwe yisikhathi. Ngokomzekelo, cinga ukuba umgaqo-nkqubo wokuhlawulela abasebenzi okhoyo usebenza ngoDisemba 31, 2015/2016. Amava okuguqula aya kusebenza kumgaqo-nkqubo wakho okhoyo uya kubalwa kusekelwe kwixesha elidlulileyo ukususela ngoDisemba 31, 2011 ukuya kuDisemba 31, 2014. Amabango ayenzeka ngonyaka we-2014 ukuya ku-2015 ayengacingwa ngenxa yokuba abanye babo vu lekile.
Amava okuguqulela abalwa rhoqo ngonyaka. Ngokuqhelekileyo (kodwa kungekho rhoqo) kusebenza ngomhla wokuqalisa komgaqo-nkqubo wakho . I-modifier yakho ingaba ngaphantsi kwe, kunkulu, okanye ilingana ne "1." I-modifier ye "1" ithetha ukuba amava akho alahlekelwe ngumyinge weqela lakho leshishini. Oko kukuthi, ilahleko lakho lembali alikho ngcono okanye libi ngaphezu kwamanye amashishini afana nawe. I-premium yakho ye-manual iya kuhlala ingatshintshi. Ukuba i-modifier yakho ingaphezu kwe-1, amava akho alahlekileyo awona mbi ngaphezu kweyure yeqela lakho leshishini. I-modifier engaphezulu kweyoku-1 imele i-debit njengoko iya kwandisa i-premium yakho. Ngokufanayo, i-modifier engaphantsi kwe-1 ibonisa umlando welahleko olungcono kunomyinge. Umguquleli ongaphantsi kwe-1 uza kufinyelela ukunciphisa i-premium.
Ukuguqulwa kwamava kufakelwe kwi-premiums compensation premium ukubala i-premium yakho ephezulu. Kuloluhlu ngalunye, umgcini-mali unika i-premium yakho ye-premium ngokuphindaphinda umlinganiselo wexesha lokuhlawula i-payroll, eyahlula i-100.
Ngokomzekelo, cinga ukuba ishishini lakho lihlelwe ngezigaba ezimbini. I-payroll yonyaka yokuqala isahlulo sama-300,000 kunye nereyithi yi-$ 1.25. Ngokwahlulo lwesibini, ukuhlawula i-$ 100,000 kunye nereyithi yi-$ 3. I-premium yakho ye-manual iya kuba ngu-300,000 / 100 i-X 1.25 kunye ne-100,000 / 100 i-X 3.00 (i-$ 3750 kunye ne-3,000 ye-$ 000) okanye i-$ 6750. Ukuba amava akho aguqula i .90, i-premium yakho ephezulu i $ 6750 X .90 okanye i-$ 6075. Amaninzi amaninzi afaka umrhumo ophezulu okanye uvavanyo olusetyenziselwa ukuxhasa inkxaso-mali yesikolo. Xa eli phesheya lisebenza, longezwa kwi-premium yakho ephezulu. Isiphumo sakho sikhokhelo sokugqibela.
Amava okuguqula amava angaba ngama-intrastate okanye phakathi. Ukuba unemisebenzi emibini okanye ngaphezulu kwe-NCCI ithi, i-NCCI iya kunika i-interstate modifier. Ukuba usebenza kwilizwe elilodwa le-NCCI, i-NCCI iya kukhupha i-intrastate modifier. I-modifier intrastate iya kunikwa nawuphi na ummandla ozimeleyo osebenza kuyo.
Ukufaneleka
Amanqaku afumanekayo afaka kuphela kumashishini afumana iimfuno zokufaneleka kwemeko. Imithetho iyahluka ukusuka kummandla ukuya kwimeko. Kwisizwe ezininzi, ishishini livumelekile ukuba lifumane amava kuphela xa liye lishishino ngexesha elichaziweyo (njengeminyaka emithathu). Amafayile amatsha awafanelanga. Amazwe nawo afuna inani elincinci le-premium ngaphakathi kwinani elithile leminyaka. Ngokomzekelo, cinga ukuba amashishini afanelekile ukufumana amava kwimeko yakho xa ehlangabezana nale miqathango elandelayo:
- I-$ 10,000 kwi-premium edibeneyo kwiminyaka emibini edlulileyo kwithuba lokuva; okanye
- i-premium ye-$ 5,000 ngonyaka xa ithuba lexesha lidlula iminyaka emi-2
Ukuba ama-premium akho ayenayo i-$ 4500, i-$ 5500 kunye ne-4800 yee-awa ngeli xesha lokuvavanya, uya kuba nelungelo lokulinganisa amava ngokusekelwe kwinqanaba lokuqala.
Isilinganisi sokusebenzela
Xa i-NCCI okanye i-bureau yelizwe inika ithuba lokuguqula amava, i-arhente inikeza iphepha lokusebenzela lokufumana amava . Iphepha lokusebenzela libonisa indlela i-modifier yakho ibalwa ngayo. Iluhlu lweekhowudi zeklasi ezifanelekileyo kunye nee-payrolls ezichaphazelekayo, iinombolo zamabango kunye neelahleko ezisetyenzisiweyo kubalo. Qaphela ukuba ukuba wenze ilahleko enkulu, inxalenye yelahleko leyo iqukelelwe ekubaleni kwenguqu yakho. Ukuba uthe wafumana ilahleko ezincinci, zonke ezo lahleko zingabandakanywa ekubaleni. Ngaloo ndlela, i-modifier yakho ngokuqhelekileyo ichaphazeleka kakhulu xa uye wafumana ilahleko ezincinci ezininzi kunokuba zikhulu enye.