Yiziphi izinzuzo zomsebenzi? Iziphi izinzuzo nezindleko ongayilindela ukuthola uma uqashwe inkampani? Iphakethe lezinzuzo zomsebenzi lihlanganisa zonke izinzuzo ezingelona izinkokhelo, njengomshwalense kanye nesikhathi esikhokhelwayo, esinikezwe ngumqashi. Kunezinhlobo ezithile zezinzuzo zomsebenzi ezigunyazwe ngumthetho, kubandakanya umholo omncane, isikhathi esengeziwe, ushiye ngaphansi koMthetho wezokuHlala kwezeMpilo, ukungasebenzi, kanye nenxephezelo yabasebenzi nokukhubazeka.
Kunezinye izinhlobo zezinzuzo zomsebenzi izinkampani ezingadingeki ukuba zinikeze, kodwa khetha ukunikeza abasebenzi babo. Kukhona ezinye izinzuzo nezinzuzo ongakwazi ukuzixoxisana njengengxenye yephakheji lakho lesinxephezelo lapho unikezwa umsebenzi omusha.
Yiziphi izinzuzo zabasebenzi?
Izinzuzo zabasebenzi yizinkokhelo ezingelona umholo ezingahlukahluka enkampanini kuya enkampanini. Izinzuzo yizinkokhelo ezingaqondile futhi ezingekho ukheshi ngaphakathi kwephakheji lesinxephezelo. Banikezwa izinhlangano ngaphezu kweholo ukuze bakhe iphakheji lokuncintisana lomsebenzi ongase abe khona.
Izinhlobo Zezinzuzo Zomsebenzi Ezigunyaziwe
Lokhu okulandelayo kuyinxephezelo nezinzuzo abaqashi ezidingwa ngumthetho wesifundazwe noma wombuso ukuhlinzeka.
- COBRA
- Ukukhubazeka
- Umthetho Wezokushiya Komndeni Nezokwelapha
- Umholo Omncane
- Ngokuhamba kwesikhathi
- Izinzuzo zokungasebenzi
- Ukuvuselelwa kwabasebenzi
Izinhlobo Zemihlomulo Ehlinzekwa Ngumqashi namaPhrojekthi
Ngaphezu kwezinzuzo ezidingekayo ngumthetho, ezinye izinzuzo zinikezwa izinkampani ngoba bazizwa benomthwalo wemfanelo emphakathini nabasebenzi babo futhi bakhetha ukuzinikela ngaphezu kwalokho okudingekayo ngumthetho.
Kuye inkampani, lezi zinzuzo zingabandakanya umshuwalense wezempilo (okudingekayo ukuba unikezwe yizinkampani ezinkulu), umshuwalense wamazinyo, ukunakekelwa kombono, umshuwalense wokuphila, iholide lokukhokhela, ikhefu lomuntu siqu, ikhefu lokugula, ukunakekelwa kwengane, ukuqina komzimba, uhlelo lokuthatha umhlalaphansi, kanye nezinye izinzuzo ezizikhethela ezinikezwa abasebenzi kanye nemindeni yabo.
Lezi zinhlobo zezinzuzo zomsebenzi ezihlinzekwayo ziqondana nomqashi noma zihlanganiswe ngaphansi kwesivumelwano somsebenzi, ngakho zizohlukahluka ezinkampanini zenkampani. Ngokusho kwe- Bureau of Labor Statistics , inani elivamile lamaholide akhokhelwa ngonyaka ngu-10. Inani elijwayelekile lezinsuku zokuphumula liyi-9.4 emva konyaka wenkonzo.
Abaqashi abangaba yingxenye (abaphakathi nabaphakathi) abacwaningwa banikeze noma inzuzo echazwe noma uhlelo lwempesheni lwempesheni echazwe. Cishe u-75% wanikeza umshuwalense wezempilo, kodwa cishe bonke babedinga umnikelo othile wezisebenzi ezibhekene nezindleko. Akunzima ukubuka amanani futhi ubone ukuthi umqashi wakho noma umsebenzi wakho unikezela kanjani.
Ngaphezu kwalokho, kukhona ukusetshenziswa okwandayo kwamabhonasi, izinto zokubambisana, nezinzuzo zokuqashwa kwabaqashi ukuqasha nokugcina abasebenzi. Bheka izinkampani zilinganise izindawo ezinhle kakhulu zokusebenza futhi uzothola ubulungu obuningi bokunikezela kwezempilo, izinhlelo eziguquguqukayo, ukunakekelwa kwansuku zonke, ukubuyiselwa kwemfundo, ngisho nokuhlanzwa okumile kusayithi.
Izidingo Zomshuwalense Wezempilo Ehlinzekwe Ngumqashi
Ngaphansi kokuvikelwa kwesineke kanye nomsebenzi wokunakekelwa okunganakekelwa (I-Obamacare), amazinga amancane asetshenziselwa izinkampani zomshuwalense wezempilo ngokuphathelene nezinsizakalo kanye nokuhlinzekwa. Abaningi abaqashi abanabasebenzi abangaba ngu-50 noma ngaphezulu kudingeka banikeze izinhlelo zokunakekelwa kwezempilo, kanti ngabanye kudingeka ukuba bahambisane.
Ukushintshaniswa kwezempilo kuye kwasungulwa kwabasebenzi abangabhalwa abaqashi noma abakhetha ukufuna ukuhlinzekwa ngaphandle kwamasu aboqashi.
Izinketho ze-Health Insurance
Abaningi abaqashi babethula abasebenzi ngezinhlelo zomshuwalense wezokwelashwa weqembu ukuze basize abasebenzi abanezindleko zezempilo. Abaqashi bavame ukuhlinzeka ngemenyu yezinketho zezinhlelo zokunakekelwa kwezempilo ezibandakanya izinhlangano zezempilo (HMOs) kanye nezinhlangano ezihlinzekwayo zokuhlinzeka (PPOs).
Ama-Deductibles (okungakanani abasebenzi okufanele bakhokhe ngaphambi kokuba umshwalense ukhawule) uhlawula okudingekayo ukuze kutholakale izinsizakalo ezithile kanye nama-premium wezinhlelo ezihlukahluka. Ama-HMO avame ukuba nama-premium aphansi kune-PPOs, kodwa imingcele eminingi ngokuphathelene nodokotela nabahlinzeki abangatholakala.
Amalungiselelo azohluka ngokuphathelene nezindleko ezingaphezulu kwezingxenye zezinkokhelo izisebenzi ezizodinga ukubhekana nazo phakathi nonyaka wepulani.
Ukuphepha Komshuwalense Wezempilo
Amapulani amaningi ahlinzeka ngokubheka ukuvakashela odokotela bokuqala kanye nodokotela, ukunakekelwa esibhedlela, nokunakekelwa okuphuthumayo. Ukunakekelwa okunye kwezokwelapha, ubuhle, imithi kadokotela, umbono nokunakekela ukunakekelwa kwamazinyo kuzokuhluka ngohlelo nomqashi.
Abaqashi badinga ukunakekelwa kwezempilo kwabasebenzi abasebenza okungenani amahora angu-30 ngesonto. Ezinye izisebenzi zesikhathi esigcwele zihlanganiswa ngamasu omqashi, kodwa eziningi azihlanganiswa.
Abanye abaqashi banikeza isikhuthazo kubasebenzi ukuba baphume ohlelweni lwabo. Izitatimende zamuva zibonisa ukuthi abaqashi bacela abasebenzi ukuba baphathe amaphesenti okwandayo ye-premium yezinhlelo.
Ukuhlinzekwa kohlelo lokunakekelwa kwamazinyo
Izinkampani ezinezinsizakalo zokunakekelwa kwamazinyo zinikeza umshwalense osiza ukukhokhela ingxenye yezindleko zokwelashwa kwamazinyo nokunakekelwa. Kuye ngenqubomgomo yenkampani yokuthola izinsizakalo zokunakekelwa kwamazinyo, ukumbozwa kwamazinyo kuhlanganisa ububanzi bezokwelapha nezinqubo. Izinqubo eziningi zomshuwalense zihlanganisa izinqubo eziyisisekelo ezifana namazinyo okujwayele ukuhlanza njalo ezinyangeni eziyisithupha.
Izinhlelo zokunakekelwa kwamazinyo zingahlukahluka ezinkampanini kuya enkampanini, kodwa zihlanganisa izigaba ezintathu: Izinsizakalo Zokuvimbela, Eziyisisekelo, Nezikhulu, ezihluka ekuhlanjululeni okuyiminyaka yonke kuya ekuhlinzeni ngomlomo. Izinzuzo zamazinyo ezivimbelayo zibandakanya izivivinyo, ama-ray, ama-sealants, ukwelashwa kwe-fluoride, nokunakekelwa okuyisisekelo kwezingane.
Izinsizakalo eziyisisekelo nazo zizohlanganisa ukugcwaliswa, ukuphumula kwezimo eziphuthumayo, imigodi yezimpande, nemiqhele yamazinyo. Okokugcina, izinsizakalo ezinkulu zingabandakanya ibhuloho, ukukhishwa kwamazinyo okuhlakanipha, amazinyo, nezinye izinqubo eziyinkimbinkimbi. Ezinye izinhlelo zihlanganisa yonke imikhuba, njengomsebenzi we-orthodontic ngaphezu kokunakekelwa kwamazinyo ayisisekelo.
Izinzuzo zangempela zamalungiselelo okunakekelwa kwamazinyo zibalwa ngezindlela eziningana. Ezinye izinkampani zisekela ukukhokhelwa kwabo ngemali ejwayelekile, yesiko, neyengqondo (UCR), kanti abanye bacabangela ukungena ngenxa ye-schedule fixed fee noma i-table of allowances. Ukwazi izinzuzo kanye nokukhonjelwa kohlelo lwakho lwezinyosi kungakuvumela ukuba ubalekele izimali ezingalindelekile futhi uzikhokhele. Uma kufanele ukhokhele ukumbozwa kwamazinyo ngomqashi wakho, nansi indlela yokunquma ukuthi kuwufanele yini izindleko.
Izinkampani eziningi ezinikeziwe zenkampani
Lezi zinhlobo zezinzuzo zomsebenzi ezihlinzekwayo ziqondana nomqashi noma zihlanganiswe ngaphansi kwesivumelwano somsebenzi, ngakho zizohlukahluka ezinkampanini zenkampani.
- Inkokhelo yokukhokha
- Ukubeletha, Ukubeletha, Nokususwa Kwesikhashana
- Amaholidi akhokhelwayo
- Khokha
- Ukukhokhelwa kwe-Severance
- Ikhefu lokuphumula
- Ukuphumula komsebenzi nokuphumula kokudla
Izinzuzo ze-Fringe nama Perks
Ezinye izinzuzo zingahluka phakathi kwezimboni namabhizinisi, futhi ngezinye izikhathi zibizwa ngokuthi "izinhlamvu". Lezi zinzuzo, ezibizwa nangokuthi "izinzuzo ezinomusa" zingafaka amabhonasi, ukwabelana ngenzuzo, ukwelashwa, ukukhubazeka, kanye nomshuwalense wokuphila, izinsuku zokukhokha ezikhokhelwayo, ukudla okukhululekile, ukusetshenziswa kwemoto yenkampani, izimpesheni, izinketho zamasheya , ukunakekela izingane, izinsuku zomuntu siqu, ikhefu lokugula, isikhathi esithile emsebenzini, umnikelo wokuthatha umhlalaphansi kanye nomnikelo wezimpesheni , usizo lokufundela noma ukubuyisela abasebenzi kanye / noma imindeni yabo, izaphulelo emikhakheni yenkampani nezinsizakalo, izindlu, nezinye izinzuzo kanye nezinzuzo ezinikezwa izinkampani Ngaphezu kwesilinganiso somholo wesisebenzi.
Nakuba lezi zinzuzo zinenjongo futhi zinezimali zemali, umholo wesisebenzi uhlala unye, futhi isisebenzi asikwazi "ukungena ngaphakathi" noma ukudayisa ukunikezwa kwemali ephakeme. Izinzuzo ze-Fringe azidingeki ngomthetho futhi zihluka kumqashi kumqashi.
Buyekeza iphakethe lakho lama-Employee Benefits
Kungakhathaliseki ukuthi uhlola umsebenzi, ukhetha ngokunikezwa komsebenzi, noma usebenze ngokujabula, kubalulekile ukubuyekezwa ukuthi yikuphi ukuhlinzekwa kokuzuzwa okuhlinzekwe yinkampani futhi unqume ukuthi iphakethe lezinzuzo zomsebenzi liphikisana ngokugcwele nezidingo zakho. Kubalulekile futhi ukuba usebenzise ngokugcwele lokho okunikezwa yinkampani kubasebenzi.
Imihlomulo yabaSebenzi Imibuzo Ozoyibuza
Kunezinzuzo zomsebenzi imibuzo okufanele uzibuze, ukuqinisekisa ukuthi uhlelo lwakho lokuphulukisa jikelele lukulungele wena nomndeni wakho. Futhi, cela imibuzo ethize ngokusekelwe ezidingweni zakho nasezindinganisweni ezibalulekile kuwe.