Ngokusho kwe-Disability Management Sourcebook, ukukhubazeka okukhulu kuye kwandisa amaphesenti angu-400 eminyakeni engama-25 edlule kusukela eminyakeni engu-17 kuya ku-44. Ngaphambi kweminyaka engama-65, umuntu oyedwa kwabayisikhombisa uzokhutshazwa iminyaka emihlanu noma ngaphezulu.
Ungakanani Umshuwalense Wokukhubazeka Ingabe Udinga?
Uma ucabanga ukuthi uhulumeni uzokukhathalela, cabanga futhi. Ukufaneleka kwezenhlalakahle zokukhubazeka kwezenhlalakahle noma ukuvuselelwa kwabaSebenzi kuyakuba yinselelo futhi ubukhulu bokukhokha buyoholela ekungeneni kwemali engenayo. Ukuphepha komphakathi kuphela kungaba nezinkathi zokulinda eside.
Isinqumo esibalulekile ibhizinisi lakho elincane kuzodingeka lenze ukuthi umshuwalense wokukhubazeka udinga kangakanani futhi ungakwazi ukukhokhela. Buyekeza izimpahla nezikweletu zakho ukuze unqume ukuthi ungahamba isikhathi esingakanani ngaphandle kokuthola imali. Hlola izindleko zakho futhi wenze izinguquko ezidingekayo zokuphila okukhubazekile. Uma kwenzeka ukukhubazeka, ungase ube nezinsiza zemali okwanele okwesikhashana kodwa kungenzeka ukuthi ibhizinisi lakho lizodinga umshuwalense wokukhubazeka wesikhathi eside.
Uma kunqunywa umshwalense wakho wokukhubazeka kudingeka ukhumbule ukuthi awukwazi ukuthenga ukukhokhelwa kwemali engenayo engu-100%. Izinkampani zomshuwalense ngeke zimboze imali yakho egcwele ngoba zifuna ukukunikeza isikhuthazo sokubuyela emsebenzini. Ukukhishwa okujwayelekile kungama-50-60% wemali engenayo yakho yonke. Iningi lezinqubomgomo zokukhubazeka limboza noma yikuphi kusuka ku-40% kuya ku-80% wemali engenayo ngokuya ukuthi uzimisele ukukhokha kangakanani.
Cabanga ngezici ezilandelayo uma uthengisa umshuwalense wokukhubazeka ebhizinisini lakho elincane:
Amathiphu angu-11 Ukuthenga Umshuwalense Wokukhubazeka Emabhizinisini Amancane
Chaza ukukhubazeka: Noma yimuphi umnikazi webhizinisi omncane ocubungula umshwalense wokukhubazeka kungaba ukuhlakanipha ukuqhathanisa incazelo yomhlinzeki womshuwalense wesikhathi. Inqubomgomo yokukhubazeka ingachaza ukukhubazeka njengoba isetshenziselwa umsebenzi wakho othize noma kunoma yimuphi umsebenzi. Uma unamakhono adluliselwa komunye umsebenzi futhi awukwazi ukwenza umsebenzi wakho othize ezinye izinqubomgomo ngeke zibheke ukuthi ukhutshaziwe. Ukubukeza ngokucophelela uma uhlanganisiwe nganoma yikuphi noma yonke imisebenzi kanye nokukala kokufaka.
Engeza i-COLA: Izindleko zokulungiswa kokuphila (COLA) zizosiza uhlelo lwakho luhlale lwanamuhla ngokukhuphuka kwamanani emali. Ukulandela isimangalo sokukhubazeka, izinzuzo zakho zizoshintshwa minyaka yonke ngokuvumelana nokulungiswa kwangaphambili kokusethwa komgibeli.
Hlola Izinhlangano : Uma ungumuntu ochwepheshe ungase ufune ukubheka ubudlelwane bomkhakha wakho wezinhlelo zeqembu. Izinhlangano eziningi zinikeza amalungu izinzuzo ezihlukahlukene ezifaka umshwalense wokuphila nokukhubazeka. Buyekeza izindleko nemininingwane yalezi zinhlelo.
Ukunquma Uhlobo Lokukhubazeka: Akukhona konke ukukhubazeka okuyobekwa ngaphansi komgomo.
Umqambi wekhompiyutha uzokhathazeka ngokukhubazeka njenge-carpal tunnel syndrome. Iziphi ukukhubazeka ezihlanganiswe ngaphansi kwecebo lakho?
Ukuqinisekiswa okuqinisekisiwe: Lokhu akuyona inkinga yomshuwalense wokukhubazeka ukungazinaki. Uma ufuna ukwengeza umshuwalense owengeziwe esikhathini esizayo ngaphandle kokufaneleka okwengeziwe kwezokwelapha, ukukhetha okuqinisekisiwe okuqinisekisiwe kungcono kuwe.
Inqubomgomo engekho engenakunqunywa: Uma ufuna amaphrimiyamu nezinzuzo ezibhekayo kufanele ucabangele inqubomgomo engenakukwazi ukuyikhokha. Lokhu kuyindlela engcono kakhulu yokukhiya izindleko nezinzuzo zakho kodwa ihambisana namanani aphezulu. Sebenza ngalokho ongakhokhisa.
Bheka Ukulinganisa Kwezezimali: Ngaphambi kokwenza isinqumo sokugcina ekukhethweni umshuwalense wokukhubazeka, ubuyekeze abathwali. I-AM Best Company noma Standard and Poor sika inikeza izilinganiso zamandla wezezimali ezinhlanganweni zomshuwalense.
Umshwalense wakho womshuwalense angakunika izilinganiso.
Dlala umdlalo wokulinda: Ukwandisa isikhathi sokulinda noma isikhathi sokuqeda ukukhokhelwa kokukhubazeka kungabangela izindleko zomshuwalense okhubazekile. Bheka izinsiza zakho zezezimali futhi ulinganise ukuthi ungahlala isikhathi esingakanani ngaphambi kokuthola izinzuzo. Gcina engqondweni ukukhokha kokuqala kuzoba izinsuku ezingu-30 ngemuva kwesikhathi sakho sokulinda.
Buyekeza izinqubomgomo ezikhona: Hlola izinqubomgomo zempilo yomshuwalense wakho wokuphila nokuhlola izindleko zokwengeza umgibeli okhubazekile kule nqubomgomo. Ukukhishwa kwe-premium umgibeli kungasiza ukunciphisa izindleko zakho uma kwenzeka ukhubazekile.
Inqubomgomo Yomsebenzi Wezentengiselwano: Uhlelo lwebhizinisi oluphezulu lwezindleko (BOE) lungaba ukwamukelwa okwamukelekayo kubanikazi bezinqubomgomo abangafuni nje ukuthola imali engenayo kuphela kodwa ngaphezulu kunjengokukhokhwa kwemali, izinzuzo, ukuqasha, kanye nezinsiza. Lolu khetho lungasiza ukugcina ibhizinisi lakho ligijima ngenkathi ululameka ekukhubazekeni.
Thola i-Agent noma Broker: Ibhizinisi lomshwalense liyinkimbinkimbi futhi liyashintsha njalo. Njengomnikazi webhizinisi elincane uthole umshuwalense omuhle womshuwalense noma ummeli oyokusiza ukuthi uthole inqubomgomo engcono kakhulu yezidingo zakho futhi usize ukuqhuba ibhizinisi lakho ku-maze yezinketho zomshuwalense wokukhubazeka.
Ukuthenga umshuwalense wokukhubazeka ebhizinisini lakho elincane akufanele lisekelwe kumanani e-premium yedwa. Ukuthola uhlelo oluhle kakhulu lebhizinisi lakho kuzodinga ukubuka okukhethwa kukho okubalulekile ezimo zakho kanye nesabelomali.