Yingakho kubalulekile ukuhlola ngokucophelela iphakheji lezinzuzo zabasebenzi kanye nokuqonda ukuthi bangakusiza kanjani ukuba ufinyelele izidingo zakho zezempilo nezemali.
Njengoba uhamba ngokucwaninga komsebenzi, nansi izakhi ezivame kakhulu izinhlelo zokuhlomula zabasebenzi zifaka:
Imikhawulo Yomsebenzi Wokujwayelekile Yomsebenzi
Uma ucabangela izinzuzo ezinikezwa umqashi omusha, cabanga ngezinkokhelo zenyanga noma zesikhokhelo oyobe unesibopho sakho nokuthi yini umqashi ovuma ukuyihlanganisa. Ngisho noma ngabe amaphrimiyamu adonswa ngaphambi kokukhokha intela yakho, lokhu kungathinta umholo wakho waminyaka yonke futhi uthathe inkokhelo yasekhaya. Qinisekisa ukuthi uyaqonda ukuthi lokhu kuzoba kunani.
Uzophinde ufune ukuphawula i-pocket deductible yaminyaka yonke, okungaba ngaphezulu kuka-$ 10K ngomuntu ngamunye ngecebo eliphezulu lokunakekelwa kwempilo eliphakeme, kuze kube yilapho wazi ukuthi umshwalense wakho uzokhokhela kanjani izindleko zezokwelapha. Uzofuna ukwazi uma izinsuku zokuqala ziqala, uma ziphela ekuqeshweni, futhi uma zikhona izinhlawulo zokulinda kuze kufike isikhathi sokubhalisa sonyaka ovulekile esikhundleni sokuqashwa.
Uma unesiqiniseko sezokwelapha okwamanje, ungase ufune ukubona ukuthi isabelo somsebenzi siza necebo elingcono noma uma ungcono ukulinda ukusebenzisa i-pocket yakho yonyaka ekhishwe kulo nyaka. Lokhu kungaba okubaluleke nakakhulu uma ulindele inqubo ebiza kakhulu yezokwelapha ekhuphuka noma ekuzalweni kwengane.
Qonda Imithetho Yezokwelapha Neyokuzithandela
Uhlelo ngalunye lwezokwelapha nolwokuzithandela luyoba nesethi yaso ekhethekile yokuhlanganisa nokusebenzisa imithetho. Kunezinhlobo eziningi zezinhlelo ezihlukene, njengezinkampani ze-Health Maintenance kanye nezinketho zokuhlinzekwa ezikhethiwe. Ungakwazi ukusebenzisa izidokotela ezifanayo nezikhungo zokunakekelwa kwezempilo onakho manje uma zisenethiwekhi. Kodwa uma kungenjalo, ungacelwa ukuba ukhethe umhlinzeki omusha oyinhloko wokunakekela futhi ushintshele kwinethiwekhi entsha yokunakekela impilo.
Khumbula ukuthi amanye amapulani anganciphisa izinhlobo zezinsizakalo ezinikezwayo, njengokunakekelwa kwesikhashana nokunakekelwa kwempilo yengqondo. Ezinye izinhlelo zinikeza ukunakekelwa okuvimbelayo mahhala ukumboza izinto ezinjengama-mammograms, ama-flu shots, nokuningi. Akuwona wonke amaphuzu afaka ukufinyelela kokuncishiswa kwezinzuzo zemithi. Ngaphambi kokuba wamukele lezi zinzuzo, thintana nomqondisi wemithombo yabantu ukuze uthole ulwazi oluthe xaxa mayelana nokulinganiselwa kohlelo, nemithetho.
Thola Ulwazi lwezinhlelo zokuHlaliswa komhlalaphansi ezihambelana nenkampani
Uma unquma ukuthatha umsebenzi noma cha, ukuqonda uma inkampani inikeza noma yiluphi uhlobo lwezinzuzo zokuhlela zezimali njengohlelo lokugcina umhlalaphansi, izimali zamasheya, umshuwalense wokukhubazeka, nezinye izinhlobo zokuvikelwa kwezimali. Ezinye izinkampani zifanisa iminikelo yomsebenzi idola-ye-dollar ( imali yamahhala !), Kuyilapho abanye befaka ingxenye yengeniso yenkampani ibe yi-akhawunti ekhethekile kumsebenzi ngamunye.
Cabanga ngezidingo zamaphesenti ezinhlelo zokuthatha umhlalaphansi futhi uma lokhu kungukuzithandela noma uhlelo oluphoqelekile. Ezinye izinkampani zidinga ukuthi zonke izisebenzi zihlanganyele ezinhlelweni zokulondoloza umhlalaphansi, zithatha cishe amaphesenti angu-5 omholo omkhulu ngenyanga ukuxhasa lokhu. Futhi, ekusesheni komsebenzi wakho, khumbula ukuthi inkampani ihambisana kanjani nokunikela nokuthi yini ekunqunywe ngayo.
Funda Ngezikhathi Zokukhokha Ezikhokhelwayo
Iningi lezinkampani zifuna ukugcina abasebenzi abanempilo futhi abajabule, ngakho-ke ngaphandle kwezibonelelo zokwelapha ezivamile, bazohlinzeka ngamanani angeziwe njengemikhakha yokukhokhela isikhathi esivulekile. Lokhu kufanele ubheke ukuze ubone ukuthi kufanele ulinde ukusebenzisa le nzuzo noma uma izinsuku zokukhokha zikholakala ngokushesha kuwe. Cabanga futhi uma uzoba nesidingo esikhethekile sokuvala isikhathi kulo nyaka, njengeholide elandulelwe ngaphambili noma ukuthatha ikhefu lokubeletha, ngaphambi kokuthola ukunikezwa komsebenzi.
Izwi kubantu abahlakaniphile - qiniseka ukuthi ulinganisa noma yiziphi izinzuzo ezinikezwa yinkampani entsha engenzeka ngokumelene nalabo abanikezwa nguhlelo lomlingani wakho. Kungcono ukushintshela kulolu hlelo ngenxa yezindleko noma izinzuzo zokufaka.