Ingabe Izimali Zakho Zakho Zivikelekile Ngenkathi Yezimo Eziphuthumayo?
Umshwalense wokukhubazeka wesikhathi eside (LTD) ngumgomo womshuwalense ovikela isisebenzi ekulahlekelweni kwemali engenayo uma engakwazi ukusebenza ngenxa yokugula, ukulimala, noma ingozi isikhathi eside.
Ezinye izilinganiso zisho ukuthi isisebenzi esiphakathi esinokukhubazeka kwesikhathi eside siphuthelwa iminyaka engu-2.5 semisebenzi. Lokhu kungaphazamisa umndeni ngokwezimali ngaphandle kwenetha lokuphepha lomshwalense wokukhubazeka wesikhathi eside.
Umshuwalense wokukhubazeka wesikhathi eside awuhlinzeki umshwalense wezingozi ezihlobene nomsebenzi noma ukulimala okuhlanganiswa nomshuwalense wokukhokhelwa kwabasebenzi .
Kodwa-ke, umshuwalense wokukhubazeka wesikhathi eside uqinisekisa ukuthi isisebenzi sisazothola iphesenti lemali engenayo uma singakwazi ukusebenza ngenxa yokugula noma ukulimala okukhubazayo. Umshwalense wokukhubazeka wesikhathi eside yisivikelo esibalulekile sabasebenzi uma i-US Census Bureau ilinganisela ukuthi isisebenzi sinalo ithuba elilodwa lokukhubazeka.
Umshuwalense wokukhubazeka wesikhathi eside uvame ukuhlinzekwa ngabaqashi, futhi kunezinhlelo ezihlukahlukene ezikhona abaqashi abanganikela ngazo njengengxenye yephakheji eligcwele labasebenzi. Uma inkampani inganikezi umshuwalense wokukhubazeka isikhathi eside noma uma isisebenzi sidinga ukufakwa kwesinye isikhathi, unakho ukhetho lokuthenga uhlelo olulodwa lokukhubazeka kwesikhathi eside kusuka kummeli womshuwalense.
Kodwa kaningi, umshwalense wokukhubazeka wesikhathi eside uyatholakala kumqashi; kuyabiza ukuthenga njengomuntu ngamunye.
Ngokwengqondo, abanye abaqashi, uma benganikezeli umshuwalense wokukhubazeka isikhathi eside kuzokuthuthukisa ubuhlobo nenkampani yomshuwalense wokukhubazeka isikhathi eside ukudala isaphulelo sesisebenzi kubasebenzi abakhetha ukuyithenga.
Umshuwalense wokukhubazeka wesikhathi eside futhi uvame ukutholakala ngokusebenzisa izinhlangano zomsebenzi zabasebenzi ngesilinganiso esinqunyiwe
Umshuwalense wokukhubazeka wesikhathi eside, ohlinzekwa ngumqashi, angase angenele ukuhlangabezana nezidingo zesisebenzi esikhubazekile. Lesi yisizathu sesibili abasebenzi abangase bafune ukucubungula ukuthenga umshuwalense wokukhubazeka wesikhathi eside.
Ukwengeza, izinkokhelo ezisebenzayo kusukela kumshwalense wokukhubazeka wesikhathi eside umqashi zikhokhwa intela kodwa intela evela kumsebenzi othengiweyo ngokuvamile ayikho.
UkuPhuthukiswa koMshwalense Wokukhubazeka Kwesikhathi Eside
Umshwalense wokukhubazeka wesikhathi eside (LTD) uqala ukusiza isisebenzi lapho izinzuzo zomshuwalense wokukhubazeka okwesikhashana (STD) ziphela. Uma izinsizakalo zomshuwalense wokukhubazeka okwesikhashana ziphela (ngokuvamile emva kwezinyanga ezintathu kuya kweziyisithupha), umshuwalense wokukhubazeka wesikhathi eside ukhokha isisebenzi semali yesilinganiso sabo, ngokuvamile 50-70%.
Izinkokhelo zesikhathi eside zokukhubazeka kumsebenzi, kwezinye izinqubomgomo, zinesikhathi esithile esichaziwe, isibonelo, iminyaka emibili neshumi. Abanye bakhokhela isisebenzi kuze kube yilapho eneminyaka engu-65 ubudala, lokhu kuyinqubomgomo ekhethwayo.
Inqubomgomo yomshuwalense wokukhubazeka yesikhathi eside inemibandela ehlukene yokukhokha, izifo noma izimo ezikhona ngaphambili ezingahle zikhishwe, kanye neminye imibandela ehlukahlukene eyenza inqubomgomo ibe yinto engasebenziseki kakhulu kumsebenzi.
Ezinye izinqubomgomo, isibonelo, zizokhokhela izinzuzo zokukhubazeka uma umsebenzi engakwazi ukusebenza emsebenzini wakhe wamanje; abanye balindele ukuthi umsebenzi uzothatha noma yikuphi umsebenzi umsebenzi owenzayo-lokho kungumphumela omkhulu futhi okumele kube khona.
Umshuwalense wokukhubazeka wesikhathi eside kuyisici esibalulekile sephakheji eligcwele labasebenzi . Eqinisweni, ngokusho kochwepheshe, ukugcinwa komshuwalense wokukhubazeka isikhathi eside kubalulekile kumsebenzi njengomshuwalense wokuphila .
Abasebenzi banomthwalo wokuhlola inqubomgomo yomqashi wabo ukuqinisekisa ukuthi uhlangabezana nezidingo zabo. Uma kungenjalo, abasebenzi banesibopho sokuthenga ukuthengwa kwabo okwandisiwe okungatholakala ngenani elincishisiwe kangako ngokusebenzisa umshuwalense wabo umqashi.
Uyayazi umlando wakho wezempilo, ukhokho wakho, nomlando wezifo zomndeni wakho.
Gcina konke lokhu engqondweni uma ubheka umshuwalense wesikhathi eside wokukhubazeka okudingeka uwenze. Ngaphezu kwalokho, uma uhlala uxhumane ngokuvakashela udokotela wakho njalo, ungakwazi ukubona ukuthi kwenzekani nanoma yiziphi izinkinga zezempilo ngaphambi kokuba zidinga ukuthi usebenzise izimali zesikhathi eside zokukhubazeka.
Ukubheka Umshwalense Wokukhubazeka Kwesikhashana
Umshuwalense wokukhubazeka wesikhashana ngumgomo womshuwalense ovikela isisebenzi ekulahlekelweni kwemali uma engasebenzi okwesikhashana ngenxa yokugula, ukulimala, noma ingozi.
Umshuwalense wokukhubazeka wesikhashana awuvikeleki ekubhekaneni nezingozi ezihlobene nomsebenzi noma ukulimala, njengoba lokhu kuzokwenziwa ngumshwalense wokukhokhela abasebenzi.
Kodwa-ke, kuqinisekisa ukuthi isisebenzi sisazothola iphesenti lemali engenayo uma singakwazi ukusebenza ngenxa yokugula noma ukulimala okukhubazayo. Lokhu kuyisivikelo esibalulekile kubasebenzi.
Umshuwalense wokukhubazeka wesikhashana uvame ukuhlinzekwa ngabaqashi, futhi kunezinhlelo ezihlukahlukene ezivela kubaqashi ukunikeza abasebenzi babo. Abasebenzi bangahlinzeka ngemiphakheji yomshuwalense weqembu njengengxenye yephakheji yezinzuzo .
Uma inkampani inganikezeli umshuwalense wokukhubazeka okwesikhashana noma uma isisebenzi sifuna ukufakwa okungeziwe, unakho ukhetho lokuthenga uhlelo olulodwa kusuka kummeli womshuwalense. Kodwa ngokuvamile, umshwalense utholakala kumqashi.
Iningi lemisebenzi yomshuwalense wokukhubazeka yesikhashana ihlanganisa imininingwane ethile mayelana nokufaneleka komsebenzi ukuthola izinzuzo. Isibonelo, ezinye izinhlelo zikhombisa ukuthi kunesidingo sezinsizakalo ezincane noma ubude obuncane bokuthi isisebenzi kumele sisebenze kanjani, futhi singadinga ukuthi umsebenzi usebenze isikhathi esigcwele noma esebenze ngokulandelana isikhathi esithile.
Ngaphezu kwalokhu kudingekile, abanye abaqashi bachaza ukuthi isisebenzi kumele sisebenzise zonke izinsuku zabo ezigulayo ngaphambi kokuba zilungele izinzuzo zesikhashana zokukhubazeka . Abaqashi bangase badinge inothi nodokotela ukuqinisekisa ukuhlupheka komsebenzi, okuvame ukufaka izifo ezifana ne-arthritis noma ubuhlungu bokubuyela emuva, umdlavuza, isifo sikashukela, noma ezinye ukulimala okuhlobene nomsebenzi.
Ukuphakama Kwesikhashana Somshwalense Wokukhubazeka
Izinzuzo zomshuwalense wokukhubazeka okwesikhashana ziyahlukahluka ngecebo. Ngokujwayelekile, iphakheji linikeza cishe ngo-64% (uhla olujwayelekile: amaphesenti angu-50-70) omholo wempesheni yokukhubazeka, njengoba kubonakala ku-Bureau of Labor Statistics - I-Fixed Percent ye-Earning analysis.
Izinhlelo zomshuwalense wokukhubazeka ngesikhathi esifushane zingase zinikeze izinzuzo ezimbalwa njengamaviki ayishumi, kodwa ngokuvamile zihlinzekela izinzuzo emavikini angu-26, ngokusho kweBhovisi Labasebenzi Labasebenzi - Isikhathi Sezinzuzo. Kodwa-ke, izinhlelo zomshuwalense wokukhubazeka okwesikhashana zihlukahluka yinkampani, kanti inani lemali eyitholiwe, lingashintsha ngokuya esikhundleni sesisebenzi noma isikhathi esisebenzele umqashi.
Ngemuva kokuphela kwezinzuzo zomshuwalense, abaqashi abaningi banikeza abasebenzi babo ithuba lokuthola izinzuzo ezitholakala ekuhlinzekeni komshuwalense wokukhubazeka isikhathi eside.
Umshuwalense wokukhubazeka wesikhashana ngumhlomulo wesisebenzi ohlonishwayo kubasebenzi namalungu omndeni wabo. Umshuwalense wokukhubazeka wesikhathi esifushane unikeza isitifiketi esamukelekile sezimali, inetha lokuphepha, uma kwenzeka ukukhubazeka kwesikhashana esisebenzayo.
Ukuziphendulela: Sicela uqaphele ukuthi ulwazi olunikeziwe, ngenkathi lugunyaziwe, aluqinisekisiwe ngokunemba nokufaneleka. Isayithi lifundwa yizethameli zomhlaba wonke kanye nemithetho yokuqashwa nemithethonqubo iyahlukahluka kusuka emazweni kuya emazweni nakwamanye amazwe. Sicela ucele usizo lwezomthetho, noma usizo oluvela kumbuso kahulumeni, we-Federal, noma we-International, ukuze wenze ukuthi incazelo yakho yezomthetho nezinqumo zakho zilungile ngendawo yakho . Lolu lwazi luyisiqondiso, imibono, nosizo.