Imbuyiselo yabasebenzi
Abasebenzi abalimala noma abagula emsebenzini bahlanganiswa nemithetho yokukhokhelwa kwabasebenzi bakahulumeni. Kuzo zonke izimo, abaqashi kudingeka babe nomshuwalense wempesheni yomsebenzi, nakuba kunezikhwama ezimbalwa. Izinzuzo zihlanganisa ukukhokhelwa kwemali elahlekile kanye nokukhokhwa kwezikweletu zezokwelapha.
Noma kunjalo, uzokhokhwa kuphela ingxenye (ngokuvamile okubili kwezintathu) zomholo wakho. Isinyathelo sokuqala ekufakeni isimangalo ukukwazisa umqashi wakho. Umqashi wakho kufanele akwazi ukukunikeza ngamafomu adingekayo ukuze afake isimangalo. Uma bengenakukwazi, thintana neHhovisi leNkampani Yenxephezelo Yabasebenzi ngokushesha.
Umshwalense Wokukhubazeka
I-California, eHawaii, eNew Jersey, eNew York, naseRhode Island zinamaphutha okuxhaswa nguhulumeni. Lezi zinhlelo ngokuvamile ziyisikhathi esifushane, kanti inani lezinzuzo liphansi. E-New York, isibonelo, inani lezinzuzo zamasonto onke liyi-50% yomholo wesonto elijwayelekile lomsebenzi, kuze kufike ku-$ 170 ukuze kube namaviki angama-26.
Umqashi wakho, kokubili kulezi zindawo nakulo lonke izwe, anganikeza ngokuzithandela ukuhlinzekwa okwengeziwe kokukhubazeka . Ngakho-ke, uma ungakwazi ukusebenza, isinyathelo sakho sokuqala kufanele kube ukubuza ukuthi iyiphi umshwalense umqashi wakho anikezelayo. Uma unesidingo sakho sokukhubazeka, faka isimangalo ngaleyo nkampani yomshuwalense.
Uma ungenayo isabelo esisekelwe kumbuso noma somqashi, cabanga ukuthenga umshuwalense wokukhubazeka ngenkathi usuphilile. Okokuqala, hlola nomqashi wakho ukuthi ubone ukuthi yikuphi ukuhlinzekwa okukunikezayo, bese ubuza ukuthi ungakwazi yini ukuthenga okungeziweko. Bala ukuthi izinzuzo ozothola kuzokwanela ukugcina indlela yakho yokuphila uma kwenzeka ukukhubazeka okungalindelekile.
Uma bengenjalo, cabanga ukuthenga umshuwalense wokukhubazeka.
Ukukhubazeka Komphakathi
Ukuze uzuze izinzuzo, kumele uqale usebenze emisebenzini ehlanganiswe nokuphepha komphakathi. Khona-ke kufanele ube nesimo sezokwelapha esihlangabezana nencazelo yokukhubazeka kwezenhlalakahle. Ngokuvamile, izinzuzo zemali zenyanga zonke zikhokhwa kubantu abangakwazi ukusebenza unyaka noma ngaphezulu ngenxa yokukhubazeka.
Ngokwe-Social Security Administration, lezi zinhlobo zokukhubazeka ezilandelayo zingenza umuntu afanele ukukhubazeka komphakathi :
- Izinkinga zesistimu ye-musculoskeletal.
- Izinzwa ezikhethekile nokukhubazeka kwenkulumo, kubandakanya ukulahlekelwa umbono, ukuzwa, nokukhuluma.
- Izifo zokuphefumula ezifana ne-asthma, i-cystic fibrosis, nesifo se-pulmonary esingapheli.
- Ukukhubazeka kwe-cardiovascular impacting the functioning of the heart or system circulatory.
- Ukuphazamiseka kwesistimu yokugaya izifo kubandakanya ukubola kwamathumbu, ukukhubazeka kwesibindi, isifo sofuba esibulalayo, nesifo samathumbu esifushane.
- Izifo ze-Genitourinary ezonakele umsebenzi wezinso futhi zibangele isifo esingenasifo sezinso.
- Izifo ze-Hematological zihlanganisa nezifo zomdlavuza ezifana ne-lymphoma, i-leukemia, i-myeloma eminingi, nezinkinga ezingekho komdlavuza njenge-thrombosis ne-hemostasis.
- Izifo zesikhumba ezinjenge-ichthyosis, izifo ezinzima, izifo ezingapheli zesikhumba noma izinambuzane ezinamakhaza, i-dermatitis, i-hidradenitis suppurativa, i-genetic photosensitivity disorders, nokushisa.
- Izinkinga ze-endocrine kuhlanganise nezifo ezihlasela i-pituitary, i-thyroid, i-parathyroid, i-adrenal, ne-pancreas glands.
- Izifo ezibangelwa yi-Congenital ezithinta izinhlelo eziningi zomzimba.
- Izifo ze-neurological ezifana ne-parkinsonian syndrome, izicubu zesifo sobuchopho, ukukhubazeka kwesibindi, ukuphazamiseka komgogodla, kanye ne-multiple sclerosis.
- Izifo zengqondo zihlanganisa i-schizophrenia spectrum, ukuphazamiseka kwe-bipolar, ukukhathazeka nokuphazamiseka okucindezelayo, nokuphazamiseka kwe-autism spectrum.
- Amanqamu - izifo ezingelahleki ezingenayo.
- Izifo zamasosha omzimba zihlanganisa izifo ezizimele kanye nezifo ezingenakuzivikela.
Inqubo yesicelo ithatha izinsuku ezingu-60 kuya kwezingu-90. Khona-ke kunenkathi yokulinda inyanga yesithupha ngaphambi kokuqoqa isheke.
Isikhathi Sokufaka Kanjani isimangalo futhi kanjani
- Uma ulimele noma ukhutshaziwe okwesikhashana noma unomphela, faka isimangalo ngokushesha . Ezimweni eziningi, kunezinsuku ukuthi izimangalo kufanele zifakwe ukuze zivumeleke, ngokuvamile zingakapheli izinsuku ezingama-30 ngemuva kokulimala noma ukugula kuqale.
- Thintana neBhodi Yesikhwama Sezinsizakalo Zombuso, uMbuso Wakho WezeMisebenzi, noma uMnyango WezokuPhatha Kwezenhlalakahle uma unemibuzo noma udinga usizo lokufaka isicelo.
Ukuthola Usizo Lwezomthetho
Abantu abaningi bafaka ummeli wokukhubazeka wokuphepha komphakathi ukubasiza ukuba bahambe ngezinkinga zesistimu futhi bathuthukise amathuba abo okuvunyelwa izinzuzo. Ngokusho kwe-NOLO, abameli bangase banikeze ngokubonisana mahhala futhi baqoqe izimali kuphela emva kokuthola ngempumelelo ukuphepha kwakho ukukhubazeka.
Imali yezomthetho ilawulwa ngokomthetho, futhi ngokuvamile uzokhokhiswa okungaphansi kuka-25% kokuphepha kwakho kwezenhlalakahle emuva kwenkokhelo (imali ekhokhwa kubhalisile okuhlanganisa isikhathi kusuka ngosuku lokufaka isicelo kuze kube usuku lokuvunywa) noma $ 6000.
Ingabe kufanele udalise ukukhubazeka kwakho kumqashi wakho ?
Sicela uqaphele: Lona ulwazi olujwayelekile mayelana nomshuwalense wabasebenzi kanye nomshuwalense wokukhubazeka. Thintana nomqashi wakho noma iHhovisi lokuHlinzeka komsebenzi wakho wombuso ukuze uzimisele ngezimo zakho ezithile.