Ingaba Usebenza kwi-Gig Economy okanye u-Self-Employed Unayo Izinketho ezininzi
Umqeshwa ozimeleyo, umntu ozimeleyo, okanye umntu oziqeshwe ngumntu owenza ishishini ngokwabo kwaye asebenzelanga nayiphi na inkampani. Njenge-freelancer okanye abasebenzi abaqeshwe ngabasebenzi, abantu banandipha inzuzo eninzi kunye nokuzilungelelanisa, kunye nokulinganiswa komsebenzi, kodwa kufuneka balawulwe yonke imiba yomsebenzi wabo ngokwabo. Ukubonelelwa ngonyango kubaluleke kakhulu xa ugqiba ekubeni ngumsebenzi onzimeleyo, okanye uyazisebenza.
Ingakanani Imali Yomshuwalense Wezempilo Abaxhasi Bakhulu?
Nangona kuya kuba kuhle ukukwazi ukunika inombolo enye ukuphendula lo mbuzo, izinga le-inshurensi yezempilo liyahluka. Nangona kunjalo, phambi kokuba ukhathazeke malunga neendleko ze-inshorensi yezempilo, cinga ukuba ngowama-2016, ngokweSebe lezeMpilo kunye neenkonzo zoLuntu . Ukongeza kwi-marketplace, unakho nezinye iindlela zokufumana i-inshurensi yempilo.
Ngaba abasebenzi be-Freelance baxhalabele ngeNtsholongwane yeMpilo kunye neNtsholongwane yezeMpilo?
Ngokuthetha rhoqo ngeenguqu kwiinkqubo zonyango lwempilo, ukuphonswa kunye neminye imiba, iindleko zokunakekelwa kwezempilo zixhalabisa bonke abantu. Ukuba ngumsebenzi onzimeleyo uzibeka engozini kuba ukuba uyagula kwaye ngokukhawuleza awukwazi ukusebenza, uya kulahlekelwa ngumvuzo wakho ngelixa uhlawula iibhilile zezibhedlele kunye neendleko zamachiza kunye unyango. Ngaphandle kweqela le-inshurensi yempilo ngokusebenzisa indawo yomsebenzi wendabuko, ukufundwa ngokwakho kubaluleke kakhulu.
Sinezicwangciso zokunikezela ezinokukunceda ukuba ufumanise indlela efanelekileyo yokuziqinisekisa wena kunye neendlela ongakhetha kuzo ukuze ufumane i-inshorensi yempilo njengomsebenzi we-freelance.
Umsebenzi Wokuzikhulula eMelika
Abantu abaninzi bakhetha ukusebenza ngokuzimeleyo, enyanisweni, ngo-2015, abasebenzi base-1 kwabangama-3 bakhetha ukufumana inzuzo evela kumsebenzi ongewona wesintu, osebenza kumawaka angama-Amerika ama-53.
Uqikelelo lokuba ngowama-2020, loo minyaka i-3 kuphela, ama-50 ekhulwini labasebenzi base-United States baya kuba nomsebenzi othile wokuzimela. Umceli mngeni omkhulu ojongene nozimeleyo, oziqeshisayo okanye umsebenzi wokuzimelela ufumana ukufumana i-inshorensi yempilo ekhoyo. Ngenhlanhla kukho iindlela ezininzi zokukhetha, kwaye kunye nophando oluthile, icebo elifanelekileyo linokufunyanwa ukuqinisekisa ukuba unokukhusela impilo yakho kwaye unyamekele unyango xa ufuna.
Izixhobo ezizimeleyo, ezizimeleyo okanye abaSebenzi abazizimeleyo
Ngeendawo ezikwabelwana ngazo kwiinkampani ezifana neWeWork, kunye nethuba elaneleyo lokuqeshisa indawo yeofisi, njengoko kufuneka, umzekelo, ngokusebenzisa iinkampani ezinjenge-Breather, abasebenzi abazimeleyo bafumana lula kunanini ngaphambili ukuqhuba ishishini lobugcisa kwiindlela ezinenzuzo njengabantu abazimele, abacebisi, abasebenzi abaqashiweyo.
Ezinye zeeNkonzo, njenge-WeWork, zize zinike uncedo kubasebenzi abazimeleyo abanezibonelelo zabasebenzi, ukubonisana kwewebhu kunye nokuphendula. Nangona kunjalo, omnye ummandla ohlala ucelomngeni, kwaye kaninzi kunzima ukucacisa njengoko iindleko kubaqeshwa bezizimeleyo zifumana unyango lwezempilo olufikelelekayo.
5 Iindawo zokufumana iInjishurensi yeMpilo njengomSebenzi wamaFreeli okanye xa uSebenza-phantsi
Unokufumana i-inshorensi yempilo kwiindawo ezininzi njenge-self-employed freelancer.
Ezinye iindlela ziquka:
- I-Freelancers Union , enikezela isicwangciso se-inshurensi yempilo, kunye neenjongo zonyango ezongezelelweyo ezifana namazinyo, okanye ezinye iinjongo zomshuwalense njenge-inshorensi yobomi.
- Ukuba usandula ukushiya umsebenzi wakho okanye malunga nokushiya umsebenzi wakho oqhelekileyo ukuba usebenze ngokwakho njengomsebenzi oziqeshwe okanye ozimeleyo, izicwangciso ze-inshorensi zempilo zinikeza ukhetho xa ushiya umsebenzi ukuguqula isicwangciso sakho seqela elikhoyo kwisicwangciso ngasinye . Izicwangciso zomntu ngamnye zinokuba zibiza ngokubhekiselele kwiimeko zakho, kodwa iindleko ongazigcina ngazo ekusebenzeni ngokwakho zingabhaqa ngokukhawuleza umahluko. Ukuba ushiya umsebenzi wakho, nawe unakho ukufumana ithuba lokubhalisa okhethekileyo esichaza ngezantsi. Qiniseka kwaye khangela iinketho zakho apho ukuqinisekisa ukuba ugcina imali apho kunokwenzeka khona.
- Ukususela ngo-Obamacare okanye uMthetho ojongene noKhathalelo , unokufumana i-inshorensi yempilo kwiindawo zemarike zonyango nokuba ngumntu okanye kwezinye iimeko njengobucinci. Uninzi lwama-freelancers aluyi kuba kwicandelo elincinci lorhwebo, kodwa nantsi ikhonkco, nje ukuba kusebenza kuwe ngoku, okanye ukuba ishishini lakho likhula.
- Intshurensi yeMpilo Yomyeni Wakho okanye Inkonzo Yomshuwalense Wempilo Yomntu Wasekhaya ungayilungelelanisa kwaye inokukugcina imali xa ugqibe ekubeni usebenza ngokuzimeleyo kwaye wenze umsebenzi wokuzimela. Nangona ungatshatanga ngokusemthethweni, unokufumana umlingani wasekhaya xa ubelana ngekhaya elifanayo kwaye uhlala nobomi basekhaya, nje kuphela xa ungatshatanga nantoni na. Unokufunda okungakumbi malunga nobani ofanelekileyo njengomlingani wasekhaya apha .
- Igumbi lakho lendawo yezorhwebo, umbutho wobugcisa okanye amaqela oshishino. Ukuba umsebenzi wakho unemibutho, okanye ukuba uba ilungu lomsebenzi oziqeshwe okanye ozimeleyo, unokukwazi ukufumana i-inshurensi yeqela ngokusebenzisa ezi ntlobo zobulungu. I-inshurensi yeqela ivumela abantu ukuba babambane kunye njengamalungu eqela labasebenzi abaqeshwe ngabasebenzi abanikezela umphumo onjalo kwi -inshurensi yeqela oya kuba ngumqeshi . Unokufunda ngokubanzi malunga nezicwangciso ezinjengalezi kunye nezinye iindlela zokwenza izicwangciso ze-inshorensi yezempilo kwinqaku lethu apha .
Luhlobo luni lwe-inshurensi ye-insulul
Kukho izicwangciso ezininzi ongayisebenzisa ukufumana umgaqo-nkqubo we-inshorensi yempilo. Ngenxa yokuba i-inshorensi yempilo isekelwe kwimibandela emininzi, imeko yakho kunye neemfuno ziba yinto ebalulekileyo ekuqaliseni ukuba isiphi isicwangciso esiza kusebenza kakuhle kuwe. Sifaka uluhlu olubanzi lweengcamango kunye nezindlela zokufumana ukunakekelwa kwempilo enokungakhokhwa kwinqaku lethu: Iindlela ezili-10 zokugcina unyango lwakho lwezempilo kunye ne-inshurensi lihlawuleka .
Yintoni ongayenza Ukuba ulahlekelwa ukubhalisa kwaye ufuna i-inshurensi yezempilo
Ukuba ulahlekelwe ukubhaliswa okuvulekile, unokutyelela kwindawo yokuthengisa kwaye ubone ukuba ufanelekile ukubhalisa okhethekileyo. Ubomi beenguqu kunye neemeko kwenza ukuba ukwazi ukufaneleka ngaphandle kwexesha lokubhalisa elivulekileyo lomshuwalense wezempilo. Unokufumana unyango lwempilo ukuba unelungelo lokufumana iMedicaid okanye i-CHIP. Unokufunda okungakumbi malunga nale nto kwaye ubone ukuba ufanelekile ukubhaliswa kwe-inshurensi yempilo ngaphandle kwexesha lokubhalisa elivulekile apha.
Kuthiwani NgeeNkcazo zeNtsholongwane yeeNtsholongwane zeeNtsholongwane okanye i-Innshurensi yesikhashana yabaxhasi?
Izicwangciso zeempilo zangexesha elifutshane azikunikezeli ngeenzuzo okanye iinketho zokunika ingxelo ezibonelelwa ngamacebo angenakunqununu. Isicwangciso se- inshorensi yempilo yesikhashana sinokukhethwa kwesikhashana ukuba ucinge ukuba ulahlekelwe ixesha lokubhalisa elivulekile kwaye ufuna ukuphepha ukuhlawula iindleko zonyango uze ufumane uxwebhu lwe-ACA, kodwa aluhambisani nemeko ye-Health Affordable Care Act ( ACA) kwaye inokubangela ukuba ube nesigwebo sokuhlawula phantsi kweemfuno ze-ACA zokunqongophala ubuncinci ukuba ungayithathi inkcazo efunekayo ubuncinane kwiinyanga ezili-9 zonyaka . Ukuthetha nomthengisi we-inshorensi yempilo kunokuncedisa ukuba ufumanise ezinye iinketho ezininzi, baya kuba nesimo sokukunika iingcebiso zobuchwepheshe, kwaye kuya kuba nakho ukulungisa izixazululo kwizidingo zakho. Qinisekisa ukujonga zonke ezinye iinketho ezichazwe ngasentla ngaphambi kokukhetha olu hlobo lwesisombululo.
Ngaba Unayo Inomshuwalense Wezempilo Ukuba UngumFelankulu?
Ukuba unako ukufumana i-inshorensi yempilo, ngoko kufuneka uthenge i-inshurensi yakho yempilo phantsi koMthetho wokuNakekelwa ongenakuncedo. Kwaye abasebenzi abasebenza ngokuzimeleyo okanye abasebenzi base-freelance kufuneka babe ne "bhokisi elincinci".
Iikhredithi zoRhafu zabasebenzi beFranelance kunye neMisebenzi yeeNkcitho zeeNtshumo zeMpilo
Ukuxhaswa kunye neentengo zemali zerhafu kunokunceda ukunyusa iindleko zakho zokunakekelwa kwezempilo. Ungakwazi kwakhona ukufumana i-credit card yangaphambili. KwiSebe lezeMpilo kunye neNgxelo yeeNkonzo zoMntu ukususela ngo-Matshi 2016 : "Imali-mboleko yentlawulo ye-premium yangaphambili iyabandakanya malunga neepesenti ezingama-73 zeprayimenti ephezulu kubantu abafanelekile ukufumana i-credit premium yerhafu."
Isohlwayo sokungabi ne-inshurensi yempilo ayizuzisi
Ukuba unako ukufumana i-inshorensi yempilo kwaye ungakufanelekeli ukukhululwa, ngoko uya kuba nehlawulo sokuhlawula eyaziwa njengesihlomelo somntu ngamnye. Isihlomelo siyahlawulwa xa ufaka irhafu yonyaka ongenayo unyango lwempilo. Imali yemali ixhomekeka kwiimeko zakho kwaye unokuphelisa ukuba ube nexabiso. Isekelwe kulo mkhulu kwezi zinto zilandelayo:
- Iipesenti ze-2.5 zekhaya lakho ngeniso
- Umrhumo wonyaka wonyaka we-bronze isicwangciso sempilo yomshuwalense
- U-695 $ ngamnye omdala, i-$ 347.50 ngemali engaphantsi kwe-18 ukuya kuma-2,085 ayi-$ 2,085 ngo-2016/2017
Ngoko, nangona ukuhlawula i-inshorensi yempilo xa u-freelancer kunokubonakala kunzima uhlahlo-mali, ungagqiba ukuhlawula ixesha elide xa ungayibhalisi kwisicwangciso.
Ukukhawula iindleko zeNtshurensi yeMpilo
Ukuba ufumana ixabiso lexabiso elibizayo, ngoko ucinga ukuthatha isicwangciso esiphezulu sokuchithwa, okanye ukhethe "inqanaba lesinyithi" elisezantsi kwiindawo zokuthengisa. Kwakhona, cinga ukuba nencoko nomthengisi we-inshorensi yempilo emele iinkampani ezininzi ze-inshorensi kwaye unokukhangela iinketho ezahlukeneyo. Xa uthenga i-inshorensi yakho yezempilo, unako ukugcina imali. Ukuthengwa kwindawo enye kuphela kunokunciphisa amathuba akho.
Qinisekisa ukuba wena kunye nosapho lwakho unobungozi bempilo kunokuba uhlawule isohlwayo, qiniseka ukuba ufake isicelo sokuncitshiswa kweerhafu kwiiprimiyamu ezihlawulwe, kwaye ngale ndlela awuyi kuhlawula isohlwayo ku rhu lumente ngexesha lokufumana irhafu yonyango kwaye ufumane akukho nto ngokubuyisela.