Nikeza Izinzuzo Ezinhle Kubasebenzi Phakathi Nesikhathi Sokubhalisa Esivulekile
USusan Heathfield - Umbuzo: Kuyini ukubhaliswa okuvulekile kwezinzuzo?
U-Erich Sternberg - Impendulo: Ukubhalisa kuvuliwe yisikhathi esabekwe eceleni ngumqashi ukufundisa abasebenzi ezinkambeni zeqembu ezitholakalayo kubo. Umgomo wokubhalisa ovulekile ukuqinisekisa ukuthi bonke abasebenzi bathola ukubuka okuphelele kweminikelo yokuhlomula ukuze bakwazi ukwenza izinqumo ezinolwazi ngalokho okusemandleni abo kanye nemindeni yabo.
Lokhu kuyiqiniso ikakhulukazi uma umqashi ehlinzeka ngezinzuzo zokuzithandela lapho umsebenzi enesibopho sokukhokha izindleko ezigcwele zenzuzo.
Umbuzo: Yini enye abasebenzi abangayenza ngesikhathi sokubhalisa okuvulekile?
Impendulo: Isikhathi sokubhalisa esivulekile sinikeza abasebenzi ithuba lokushintsha izinguquko zabo. Bangakwazi ukwengeza ukuphawula, ukuqeda ukufaka kwabo, noma ukwenza ushintsho kumgomo okhona. Ukubhalisa kuyisikhathi sokuba abaqashi bafundise abasebenzi babo mayelana nanoma yiziphi izinguquko ezingase zenze kwiphakethe lezinzuzo zabasebenzi .
Umbuzo: Abasebenzi benzani ngesikhathi sokubhalisa okuvulekile?
Impendulo: Ukuvula ukubhaliswa yisikhathi somsebenzi wokuya emihlanganweni yolwazi lokubhalisa, ukhulume nezinzuzo zabanikezeli nabasebenzi bezinsizakalo zabasebenzi, futhi wenze izinqumo zabo zokuzuza.
Ukuze kuqinisekiswe ukuthi benza izinqumo ezingcono kakhulu kumindeni yabo nesimo sabo somuntu siqu, ngesikhathi sokubhalisa okuvulekile, uSternberg uncoma ukuthi abasebenzi kudingeka:
- Yenza umsebenzi wesikole. Buyekeza ngokuphelele izinto zokubhalisa ezivulekile mayelana nezinzuzo ngisho noma umhlinzeki wezinzuzo ehlala ngokufanayo. Izinzuzo zingashintsha njalo ngonyaka ukuze abasebenzi babuyekeze izinto ezibhaliwe kanye namawebhusayithi bese bhala phansi imibuzo ukubuza abamele izinzuzo.
- Buyekeza izindleko zokunakekelwa kwezempilo zomndeni wazo odlule. Akekho ongakwazi ukubona kangcono kunomsebenzi lapho izinhlelo zomshuwalense zizokwenza kahle izidingo zezokwelapha zomndeni wazo. Lokhu kubuyekezwa kuzovumela isisebenzi ukuba sihlole, ngenxa yesimo sabo somndeni, ukubaluleka kwamacebo anikeziwe, ngokusekelwe kwezindleko zama-premium, okudingekayo okukhokhelwa ngawo, kanye nokusetshenziswa kwawo okulindeleke ngonyaka.
- Khuluma nabahlinzeki babo bezempilo. Wonke umhlinzeki wezinzuzo uyoba nenethiwekhi ehlukene yabahlinzeki bezempilo. Ngesikhathi udokotela wesisebenzi noma udokotela wamazinyo angase abe namanethiwekhi amaningi, kubalulekile ukuthi abasebenzi baqinisekise, kusengaphambili ukuthi abahlinzeki babo bezempilo bayabamba iqhaza kwinethiwekhi yepulani abacabangela ukukhetha.
- Cabanga ukuthenga umshuwalense wokukhubazeka noma umshuwalense wokukhubazeka, uma umqashi enikezela okuthile. Ngokusho kweNational Safety Council, njalo ngemva kwemizuzwana emibili, ukulimala okukhubazayo kwenzeka ukuthi abasebenzi bangakwazi ukuzuza impilo yabo. Iningi labasebenzi abakaze bacabange ngalokhu kungenzeka. Abasebenzi kudingeka bangeze izindleko zabo zenyanga zokuphila bese beqhathanisa inani labo lokungabikho komshwalense wokukhubazeka okwamanje . Abasebenzi bazofuna ukuqinisekisa ukuthi umshuwalense uzokhokha zonke izikweletu zabo uma kwenzeka ingozi.
- Buyekeza ukufaneleka kwempilo yomshwalense wabo wokuphila. Ngokusho kweLIMRA International, abantu abangaphezu kwezigidi ezingama-68 baseMelika abanalo umshuwalense wokuphila. Abasebenzi kudingeka bacabangele inqubomgomo yomshuwalense wokuphila ngesikhathi sokubhaliswa okuvulekile uma umqashi wabo enganikeli inqubomgomo. Uma benesimiso somuntu siqu noma somqashi, kudingeka bahlole inani labo lokubheka kanye nalabo abaye bawafaka ohlwini ukuze baqiniseke ukuthi imindeni yabo ivikelekile ngokwezimali uma kwenzeka befa.
Umbuzo: Yiziphi izinzuzo ezihlanganiswa nezikhathi zokubhalisa ezivulekile?
Impendulo: Umqashi usebenza ne-agent yakhe ngesikhathi sokubhalisa okuvulekile ukucacisa izinzuzo ezinikezwayo kanye nomnikelo umqashi ozowunikeza. Uma umqashi engakwazi ukunikeza abasebenzi abasebenzi iphakheji ejwayelekile, banganikeza izinzuzo zokuzithandela. Izinzuzo ezizithandela zivumela abaqashi ukuba banikeze abasebenzi babo izinzuzo abazifunayo futhi badinga ngenani elingabizi, elikhokhelwa yisisebenzi.
Umbuzo: Ukubhalisa okuvulekile nini?
Impendulo: Isikhathi sokubhalisa evulekile sivame ukuqhutshwa minyaka yonke futhi ngokuvamile siba nezinsuku ezingu-30-60 ngaphambi kokuvuselelwa kwezinzuzo noma usuku olusebenzayo lokufakwa.
Umbuzo: Umqashi wenza kanjani ukubhalisa okuvulekile kubasebenzi?
Impendulo: Ukuqinisekisa ukuthi isikhathi sokubhalisa esivulekile siphumelele ngangokunokwenzeka sidinga ukuxhumana okusebenzayo .
Izindlela zokuxhumana ziyahlukahluka ngesikhathi sokubhalisa okuvulekile kuye ngokuthi izinzuzo zishintshile yini.
Izinguquko zingadinga imihlangano yemfundo ngezinzuzo zabahlinzeki. Ngezinye izikhathi, imihlangano yeqembu ukufingqa izinzuzo iyanele. Abaqashi bangase bafune ukwenza abahlinzeki bezinzuzo zitholakale emihlanganweni yabasebenzi ngabanye. Abaqashi bazofuna ukufaka abaqashi bomsebenzi emihlanganweni uma kunokwenzeka.
Yazisa abasebenzi bezinhlangano zokubhalisa ezivulekile 3-4 amasonto ngaphambi komhlangano. Isikhathi imihlangano ukuze umqashi anethuba lokuhambisa izinguquko zokubhalisa kubahlinzeki bomshuwalense futhi aqinisekise ukuthi abasebenzi babhalisile ngokufanele ezintweni zabo ezikhethiwe.
Nikeza amakhukhi wokubhalisa kwabasebenzi abanikeza ulwazi olunzulu mayelana nezinzuzo kanye nesabelo sabo sezindleko. Uma isigaba se-Section 125 sisendaweni, chazisa abasebenzi ukuthi yiziphi izinzuzo ezitholakalayo ngesisekelo sokukhokhwa ngaphambi kwentela njenge-akhawunti yokunakekelwa kwempilo eguquguqukayo. Abasebenzi badinga isikhathi esanele sokubuyekeza izinto futhi baxoxe namalungu omndeni ukuze benze izinqumo ezinolwazi.
Umbuzo: Ziyini imicabango yakho yokugcina ngokubhalisa okuvulekile?
Impendulo: Ukuze bazuze kakhulu ukubhaliswa okuvulekile nezinzuzo zabo, abasebenzi kufanele baqonde ngokugcwele izinzuzo abaqashi babo abahlinzekayo. Ukuze baqonde, badinga ukubamba iqhaza ohlelweni lwemfundo yezinzuzo zomqashi. Imihlangano yolwazi ngabasebenzi be-inshuwalense kanye nezinto zokubhalisa eziphelele ziyisihluthulelo sokuhlinzeka abasebenzi ukusekelwa abadingayo ukwenza izinqumo ezisekelwe enolwazi.