Isevisi yomphakathi ingenye yezindlela eziqinile kakhulu zomsebenzi owodwa ongaziphishekela. Ngisho nalapho inceku yomphakathi ibhekene nethonya elibi ngokunciphisa amandla , izinhlangano zikahulumeni zenza konke okusemandleni abo ukuze zisebenze abasebenzi babo ukuba baqhubeke nemisebenzi. Ngaphandle kokuzinza okuhlinzekwa yinkonzo yomphakathi, izinzuzo zomhlalaphansi ziyinhloko enkulu yokuthengisa yamasheya amasha.
Akuyona imfihlo ukubaluleka kwezinzuzo zomhlalaphansi zomphakathi okwenziwe emlandweni wamanje; Kodwa-ke, kunenani lezinzuzo ezifanayo emkhakheni wangasese. Izinzuzo zomhlalaphansi zikaHulumeni azikho okwakunguwo ngaphambili, kodwa zisalokhu zishaya umkhakha wangasese.
Kodwa yini ngempela eyenza inzuzo kahulumeni yomhlalaphansi inhle kakhulu? Izici eziningana zenza ukwenza lezi zinzuzo isizathu sokuthi abantu bakhethe inkonzo yomphakathi futhi banamathele kuso. Ezinkulu ezintathu zichazwe ngezansi.
01 Umhlalaphansi obikezelayo
Imithetho yenqubo kahulumeni yokuthatha umhlalaphansi ayifuni ukushintsha izisebenzi zamanje. Bavame ukukhululwa ekushintsheni okungabaphazamisa kabi. Esikhundleni salokho, abanikazi bezomthetho bagunyaze izinguquko kubasebenzi abasha abazokwazi ukuqonda kancane imithetho emidala ngokuhambisana nemithetho emisha. Izisebenzi zamanje zihlale zinelisekile, futhi izisebenzi ezintsha azi ukuthi zithini.
Lokhu akusho ukuthi imithetho yomdlalo ayiguquki kubasebenzi bakahulumeni bamanje. Kodwa izinguquko ezinjalo zenzeka ngezikhathi ezithile. Uma benza, izinceku zomphakathi kufanele zihlole ngokushesha ukuthi lezi zinguquko zisho ukuthini kubo bese zilungisa amasu abo okugcina umhlalaphansi ngokufanele.
Ngokuhlela ngokuzikhandla ekuqaleni kwemisebenzi yabo, izinceku zomphakathi zingenza isiqiniseko ukuthi izimpesheni zabo kanye nokuThuthukiswa koMphakathi kubanika bonke noma cishe yonke imali abayodinga. Izinhlelo zokuthatha umhlalaphansi kanye nokuvikeleka kwezenhlalakahle zinikeza imali engenayo njalo ngenyanga, futhi ukugcinwa komuntu siqu kunika abaqashi bakahulumeni inetha lokuphepha ngezinkokhelo ezingalindelekile.
02 Izinketho ze-Health Insurance ezithandekayo
Abathathe umhlalaphansi bangase bangaqapheli umehluko. Isibonelo, uma abasebenzi benemishwalense yabo yomshuwalense wezempilo ehlanganisa amaphesenti angu-100 kanti umndeni wabo uhlanganiswe ngamaphesenti angu-50, lokhu kuqhubeka nokuthatha umhlalaphansi. Akudingeki bakhathazeke ngokulahlekelwa izinzuzo zomshuwalense wezempilo ngoba bengenayo umqashi. Uhlelo lokuthatha umhlalaphansi luba yingxenye yomthethosivivinywa umqashi okhokhelwa ngaphambilini.
03 Imali Yokuphila
Imali engenayo yokuphila yonke ibalulekile ekuhlosweni komhlalaphansi. Abantu bangakwazi ukuthi bayothola yini inyanga zonke impilo yabo yonke. Izinhlelo eziningi zokuthatha umhlalaphansi zakhele ukulungiswa kwezindleko zokuphila ukuze kuqinisekiswe ukuthi ama-annuities agcina amandla abo okuthenga ngokuhamba kwesikhathi.
Amanye amasu omhlalaphansi anemigomo lapho abahlala khona kufanele bakhethe ukuhweba phakathi kokuthi inkokhelo yokukhokhela imali inkulu kangakanani uma kuqhathaniswa nokuthi ingakanani umlingani otholayo uma kudlula umhlalaphansi. Nasi isibonelo. Isistimu yokuthatha umhlalaphansi isifinyelele kumlingani osaphila ukuthola i-50% yemali yokuthatha umhlalaphansi. Uhlelo lunikeza abaqashile ithuba lokuzikhethela ukwenza inzuzo yomlingani osaphila. Ukushintshelana nokuncishiswa kwe-12.5% emalini, umlingani osaphila uthola u-75% wemali emva kokufa komhlalaphansi. Ukushintshwa kokunciphisa ama-25% ngonyaka, uhlelo lokuthatha umhlalaphansi lukhokha imali engu-100% yonyaka owenziwe ukunciphisa kuze kube yilapho bobabili bomshado bedlula.
Imali eqinisekisiwe iyinzuzo enkulu yabasebenzi bakahulumeni. Ezweni eliye laya ekuchazeni izinhlelo zomnikelo, uhlelo oluhlongozwayo lokuhlomula lufisa kakhulu.