Yini ephaketheni le-Employee Benefits Package?

by USusan M. Heathfield

Nikela lezi Zincenye Ukuheha Nokugcina Abaqashi Abakhulu

Abaqashi bokuzikhethela banikezela iphakheji eligcwele lezinzuzo zabasebenzi ukuheha nokugcina abasebenzi. Ngaphandle kweholo lokuncintisana, iphakheji lezinzuzo zomsebenzi liyingxenye ejwayelekile - futhi kulindelwe - ingxenye yephakheji yenani eliphelele lezinkokhelo .

Abaqashi abancane bathambekele ekunikezeni izingxenye ezimbalwa kwi-package yezinzuzo zabasebenzi - futhi ngezinye izikhathi, akukho nzuzo nhlobo. Kodwa, iningi lezinkampani ezinkulu futhi cishe bonke abaqashi bakahulumeni bezinkampani zomphakathi banikeza iphakheji eningi lezinsizakalo zabasebenzi.

Amabhizinisi amancane akhula futhi akhulisa isidingo sokuhlela izinyathelo zomsebenzi ngokucophelela ukuze ukhule njengoba ukhula, uyaqhubeka ukuheha futhi ugcine ithalenta oyidingayo ukuze ukhule futhi ukwandise. Abaqashi banganweba lephakheji lezinzuzo zabasebenzi, njengoba izinsiza zivumela.

Ngezinhlobo ezihlukahlukene ezingenakubalwa zezinzuzo zomsebenzi ezibalwe ku- Ingabe Uthola Izinzuzo Ezinhle Ezizuzwini Zakho? , umqashi angakwazi ukwenza ngokwezifiso iphakethe lezinzuzo zomsebenzi ezidingo nezifiso zabasebenzi bayo.

Lezi ziyingxenye yesikhwama sezinzuzo zomsebenzi ezikhangayo. Akukho mithetho idinga umqashi ukuthi anikele lezi zinzuzo zomsebenzi ozizithandela. Kodwa kunezinhlawulo eziningi eziphathelene nokuqashwa, ukugcina nokugculiseka komsebenzi ukuthi kungani ungase ukwazi ukukwenza.

01 Umshuwalense WezeMpilo Uyisisekelo sePhakheji YabaSebenzi Abasebenzisa I-Comprehensive Benefits Package

Umshuwalense wezeMpilo uyisisekelo sanoma yiluphi iphakheji elisebenzayo elisebenzayo abasebenzi abalufunayo futhi abadingayo. Umshuwalense wezempilo ngumhlomulo wesisebenzi esithandwayo wabaningi abasebenza.

Umshuwalense wezempilo ubeka umqashi njengomqashi ozikhethelayo uma ukhetho olufisa ukhetha amathuba okuthola amathuba emisebenzi. Uma ungakwazi okwamanje ukukhokhela ukunikeza inzuzo eyodwa kuphela yomsebenzi, yenza leyo nzuzo umshuwalense wezempilo kubasebenzi nemindeni yabo. Bayojabula.

02 Ukukhokha Isikhathi Esivela Emsebenzini

Ayikho iphakheji yezinzuzo zomsebenzi eziphelele ezophelelwa isikhathi ngaphandle komqashi okhokhelwa emsebenzini. Njengengxenye yephakheji lezinzuzo zabasebenzi, abaqashi banikeza izinketho ezihlukahlukene zokukhokha isikhathi sokukhokha.

Abaqashi banikeza izinombolo ezihlukahlukene zezinsuku ezihlukaniswa ngezindlela eziba nengqondo kumqashi nabasebenzi. Izinhlobo zesikhathi esikhokhelwayo ezivame ukuvela kwiphakheji lezinzuzo zabasebenzi zihlanganisa:

Ngenxa yezizathu ezibandakanya ukulula, ukungabi nesifiso sokuba abasebenzi baziphendule isikhathi, futhi nesifiso sokwelapha abasebenzi abafana nabantu abadala abahlakaniphile, inani elikhulayo labaqashi liya phambili ekusetshenzisweni isikhathi esinikeziwe Imithetho eqeda isikhathi esithile esikhokhelwayo sokushiya izigaba ezifana ukuvakasha .

Imishuwalense Ephuthumayo Yesikhashana Yomshuwalense Wesikhashana 03

Umshuwalense wokukhubazeka wesikhathi esifushane uqinisekisa ukuthi umsebenzi uzothola iphesenti lemali engenayo uma engakwazi ukusebenza ngenxa yokugula noma ukulimala okukhubazayo. Umshuwalense wokukhubazeka wesikhathi esifushane, njengengxenye yesikhwama sezinzuzo zomsebenzi esiphezulu kunconywa.

Inikeza ukuvikeleka okubalulekile kwabasebenzi abangakwazi ukusebenza ngesikhathi esifushane. Uzofuna ukufaka umshuwalense wokukhubazeka wesikhathi esifushane kwiphakethe lakho lezinzuzo zomsebenzi.

Umshuwalense Wokukhubazeka Kwesikhathi Eside 04 Uhlinzekela Ukuphepha kwabasebenzi

Umshuwalense wokukhubazeka wesikhathi eside (LTD) ngumgomo womshuwalense ovikela isisebenzi ekulahlekelweni kwemali uma kwenzeka engakwazi ukusebenza ngenxa yokugula, ukulimala, noma ingozi isikhathi eside.

Ezinye izilinganiso zisho ukuthi isisebenzi esiphakathi esinokukhubazeka kwesikhathi eside asilahleki iminyaka engu-2.5 yomsebenzi. Abanye balinganisela ukuthi isisebenzi sinalo ithuba eliyisihlanu lokukhubazeka futhi singakwazi ukusebenza isikhathi esithile.

Umshuwalense wokukhubazeka wesikhathi eside ungenye yezingxenye ezibaluleke kakhulu zephakheji lezinzuzo zabasebenzi.

05 Amazinyo Emshuwalense Iyingxenye Yomsebenzi Wephakheji Yabasebenzi

Amacebo omshuwalense wamazinyo ahlukene atholakala kubaqashi ukuba banikeze njengengxenye yephakheji eligcwele labasebenzi. Izinhlelo zomshuwalense wamazinyo zenzelwe ukusiza izindleko zabasebenzi ekutholeni ukunakekelwa kwamazinyo okudingekayo, kokubili ukuvimbela kanye nokuphuthumayo.

Umshuwalense wamazinyo uvame ukutholakala kumphathi womshuwalense wezempilo kumqashi ngamanani aphansi. Cabanga ngomnikelo womshuwalense wamazinyo njengengxenye yesikhwama sezinzuzo zomsebenzi ezikhangayo.

06 Umbono Umshuwalense

Umshuwalense wombono wengezelela izindleko ezisezingeni eliphansi kwiphakheji ephelele yomsebenzi ehlinzekwa abaqashi. Umshuwalense wombono ngokuvamile uyingxenye yokuzikhethela inqubomgomo yezempilo enzulu.

Umshuwalense wombono ukhokha abasebenzi ukuba babe nokuhlolwa kwembono njalo bese bakhokha iphesenti yezindleko zemishini yokulungisa.

Umshuwalense wombono uyisici esifiselekayo sephakheji yezinzuzo zabasebenzi esitholakala ngezikhathi ezithile ngokusebenzisa iphakheji yakho yomshuwalense wezinsizakalo zezempilo.

07 Umshuwalense Wezempilo Ufaka Inani kuMqashi Ohlinzekelwe Izinzuzo Zabasebenzi

Umshuwalense wokuphila uyinto ehlonishwayo enkampanini ephelele yomsebenzi wephakheji. Ukufuna emva kwabasebenzi kulindeleke ukuthi umshuwalense wokuphila ube yingxenye yesikhwama sezinzuzo zomsebenzi ezikhangayo. Thola kabanzi mayelana nendlela yokuhlinzeka umshuwalense wokuphila njengengxenye yephakheji lakho lezinzuzo zomsebenzi.

08 401 (k) noma elinye uhlelo lomhlalaphansi lwabaSebenzi

Inkokhelo eyisisekelo yokuncintisana, umshuwalense wezempilo, kanye nohlelo lwama-401 (k) yiwo okufanele abe nezinzuzo ezidingekayo ukuheha nokugcina ithalente enkampanini yakho.

Ngokusho kocwaningo olwenziwa nguWatson Wyatt Worldwide, oluhlobene ne- Human Capital Edge: Abantu abangu-21 Abaphathi Bakho Abaphathi Bakho Kumele Baphumelele (noma Gwema) ukuze kukhuliswe inani labakwa-Abanikazi bamasheya , izinkampani ezigcizelela amaphakheji angcono ezisebenzi zabasebenzisa ukuheha nokugcina abasebenzi abakhulu engeza u-7.3% ngenzuzo eyengeziwe kumgqa wabo ophansi. Thola okungaphezulu mayelana no-401 (k) njengengxenye kwiphakheji yezinzuzo zomsebenzi ezikhangayo.

09 I- Health Care Flexible Spending Accounts (FSAs)

Njengoba izinkokhelo zokunakekelwa kwempilo ziqhubeka zikhula ngokukhawuleza, abaqashi baqhubeka bezishintsha izindleko kubasebenzi ngendlela yokukhokha okubambisene, izindleko zokudonswa kwemali kanye nezindleko zangaphandle. Ukuze usize ukwehlisa ezinye zezinyosi ezihambisana nalezi zindleko eziphezulu ezingaphandle kwezezimali, abaqashi abaningi basebenzisa izinhlelo ze-Health Care Flexible Spending Account (FSA).

Uhlelo lwe-FSA luvumela abasebenzi ukuba bakhokhele izindleko ezithile zokunakekelwa kwempilo nezindleko zokunakekelwa ngezindleko ezingekho ngaphambi kwentela. Uhlelo oluguquguqukayo luyingxenye efiselekayo yephakheji lakho lezinzuzo zomsebenzi.

10 Ukuziphendulela: Sicela uqaphele

USusan Heathfield wenza konke okusemandleni ukuhlinzekela okunembile, umqondo ovamile, ukuphathwa kweMithombo yezabasebenzi, umqashi, kanye nezeluleko zomsebenzi kokubili kule webhusayithi, futhi uxhumeke kule webhusayithi, kodwa akayena ummeli, nokuqukethwe kusayithi, ngenkathi okugunyazayo, akuqinisekisiwe ngokuchaneka nangokusemthethweni, futhi akufanele kuthathwe njengeseluleko sezomthetho.

Isayithi inezilaleli zomhlaba jikelele kanye nomthetho wemisebenzi kanye nemithethonqubo yemisebenzi ihlukahluka kusuka emazweni kuya emazweni nakwamanye amazwe, ngakho-ke isayithi ayikwazi ukucaca kubo bonke emsebenzini wakho. Uma ungabaza, njalo ufune iseluleko sezomthetho noma usizo oluvela kuhulumeni, uHulumeni, noma izinsiza zikaHulumeni zomhlaba wonke, ukuze wenze ukuthi incazelo yakho yezomthetho kanye nezinqumo zakho zilungile. Ulwazi olukuleli sayithi luyisiqondiso, imibono, kanye nosizo kuphela.