Yiziphi izinhlobo zokuvikeleka ongakusiza ukusiza ngezezimali uma ulahlekelwa umsebenzi wakho
Kungaba nzima ukuzuza imali ngemali oyitholayo Umshuwalense Wokungasebenzi. Kodwa-ke, kunezinye izinketho ezitholakalayo ukuvikela izimali zakho nokuphila kwakho uma ulahlekelwa umsebenzi wakho. Umshuwalense Wokungasebenzi Emzimbeni kanye nezinye izinqubomgomo zomshuwalense ezongeziwe ziyizinketho ezinhle zokuvikela izimali zakho uma ulahlekelwa umsebenzi wakho, kanti ezinye zazo ziza ngezindleko ezingaba ngu-$ 5 ngenyanga.
Iyini Umshuwalense Wokungasebenzi Ngasese?
Umshuwalense wokungasebenzi ongasese, owaziwa nangokuthi umshuwalensi wokungasebenzi ongezelele, ungumgomo womshuwalense ozithengela wona ukufaka imali yakho engenayo uma ungasebenzi. Inkokhelo yangasese yokungaqashwa kwemisebenzi izokunikeza izinkokhelo ezengeziwe ngaphezu kwesimo sokungasebenzi esisekelwe e-Federal and State Unemployment. Ngenxa yokuthi umshuwalense wokungasebenzi awukhawulelwanga, ukusekela indlela yakho yokuphila uma ungasebenzi ngokungazelelwe, akunakwenzeka ngokungaqashwa kwemisebenzi yedwa, ngakho-ke umshuwalense wokungasebenzi wangasese uyakunikeza ithuba lokufaka imali engenayo yokuthola imisebenzi futhi usiza ukugcwalisa igebe.
Kungani Kuthengwa Umshuwalense Wokungasebenzi Emphakathini?
Inani lomshuwalense we-Federal / State Unemployment lihlukahluka ngombuso, ngakho-ke kuye ngokuthi yiliphi izwe ohlala kulo, nokuthi yiziphi izimali zakho zangempela ngaphambi kokuba ulahlekelwe umsebenzi wakho, izinketho zomshuwalense Wobuningi Bokuzimele Ungase ube mnandi kakhulu. Kuncike ekutheni izidingo zakho zezimali zakho ziphi.
Ama-Caps ku-Insizakalo ka-State kanye ne-Federal Unemployment Insurance angakuvumeli ukuba ugcine indlela yakho yokuphila.
Yiziphi Izinketho Zomshuwalensi Wokungasebenzi Emsebenzini?
Azikho izinketho eziningi zomshuwalense wangasese wokungasebenzi, kodwa izinkampani ezimbalwa ziye zavela nezinqubomgomo ezithile ezithakazelisayo.
Nazi izibonelo ezimbalwa, ngencazelo yokuthi banganikeza.
- Ukuthola imaliI- Great American Insurance Group ingaba uhlobo lwendabuko lomqondo womshuwalense ongasebenzi. Kungakunikeza izinzuzo zemali ezengeziwe uma ulahlekelwa umsebenzi wakho ngenxa yokuthi ulahlekelwe umsebenzi futhi ufanelekile ukuba u-Unemployment Insurance. I-IncomeAssure iyatholakala emazweni ase-US nase-District of Columbia ngaphandle kweHawaii ne-Alaska. Ihlanganisa amaholo kuze kube ngu-$ 250,000 ngonyaka. Kufanele ufake i-inshuwalense yokungasebenzi futhi ufaneleke ngaphambi kokuba le nqubomgomo iphume. Imali Ukuqinisekisa ihlawula amaviki angu-24 ezinzuzo nge-2 eyesonto lokulinda. Kunenkathi yokulinda inyanga engu-6 ngemuva kokuthenga inqubomgomo entsha ngaphambi kokuthi ufanelekele izinzuzo. Ngakho-ke ungaxhomeki ekuthengeni inqubomgomo yakho kusasa ngoba wezwa ukuchithwa komsebenzi okwenzeka emasontweni ambalwa alandelayo. Izinkokhelo zilandela isimiso somshuwalense we-Federal and State Unemployment, yingakho sibhekisela kuwo njengendlela yendabuko yomqondo womshuwalense wokungasebenzi.
- I-SafetyNet yinkambiso entsha eyenza indlela ehlukile yokuhlinzeka inzuzo kubanikazi bezinqubomgomo zabo lapho kwenzeka ukungasebenzi. I-SafetyNet ivumela umnikazi wezinqubomgomo ukuba akhethe phakathi kwamazinga amaningana okuhlanganisa. Awukhokhisi ngesonto, kodwa kunalokho unikeza imali yokukhokhwa kwemali uma kwenzeka uthola ngaphandle komsebenzi. Izindleko ze-SafetyNet zimbalwa kakhulu kunomshwalense wendabuko wangasese wokuNqanyelwa kwabasebenzi, ngoba ukukhokha kungaphansi, kodwa ngakwesokunene, kwenza kube lula ukubhekana nesimo esiphuthumayo futhi uzokhokha noma yikuphi phakathi kuka-$ 1,500 kuya ku-$ 9,000, ngokuya kwakho Ukuphepha kweNqubomgomo yokuphephaKhetha ukukhetha inketho uma ubhalisa.
Ingakanani Imali Yomshuwalense Wokungasebenzi Emsebenzini?
Ngokuya ngesimo ohlala kuzo futhi izinga lokungaqashwa kwendawo, inqubomgomo ye-IncomeAssure izokubiza phakathi kwamaphesenti angu -5 kuya ku-2 wemali engenayo.
Ungathola intengo ngqo kanye nenani lezinzuzo zamasonto lapha. Bayokhokhela amaphesenti angaba ngu-50 omholo wakho wangempela onke.
Ungayithola Ngempela Umshuwalense Wokungasebenzi Okuzimele we $ 5 ngenyanga?
I-$ 5 ngenyanga, i-SatefyNet ingahlinzeka ngemali ekhokhwayo engu-$ 1,500, futhi i-$ 30 ngenyanga, leyo mali yokukhokhwa isamba se-$ 9,000. Enye inzuzo ukuthi lokhu kukufakazela ukulahlekelwa umsebenzi ngenxa yokuthi:
- hambela phansi
- ukuqedwa komsebenzi
- ukuvala ibhizinisi noma ukuhlukaniswa okuqashiwe ngumqashi
- ukugula nokukhubazeka
Umbiko we-Economic Well-Being wezindlu zase-US yi-Federal Reserve kusukela ngo-2016 (okhishwe ngoMeyi 2017) ugxile esimweni sezimali seMindeni yaseMelika. Kulo mbiko, amaphesenti angu-44 abaphendulile athi ngeke akwazi ukukhokha izindleko eziphuthumayo ze-$ 400 noma kufanele akhokhelwe noma athengise into yokwenza kanjalo. Idatha enjengale yenza izinqubomgomo ezintsha ezifana nalezi ezisanda kuqaliswa yi-SafetyNet ezithakazelisayo njenge-"back up" ukungasebenzi kwemisebenzi noma uhlelo lomshwalense wokukhubazeka.
I-SafetyNet okwamanje ihlinzekwa kuphela emazweni ambalwa, njenge-Iowa, South Carolina, ne-Wisconsin, ngezinhlelo zokwandisa. Nakuba kungakhiwa ngendlela efanayo nomshuwalensi wokungasebenzi, kuyindlela enhle yokwakha "inetha lokuphepha" wena nomndeni wakho, ikakhulukazi uma izindleko zomshuwalense we-IncomeAssure noma ezinye izinketho ze-Private Unemployment Insurance zibonakala zibiza.