Indlela Yokufumana Umyinge
Ubambiswano lwasekhaya xa abantu babini behlala kunye kwaye bebandakanyeka kulwalamano olunxulumene nolwabelana ngoluntu lwasekhaya njengokungathi batshatile, nangona bengatshatanga ngokusemthethweni. Ukuba kubambisene nabo basekhaya kubandakanya ukuhlalisana. Awukwazi ukutshata komnye umntu, kwaye usabonwa njengomlingani wasekhaya, funda ngokubanzi malunga neziqinisekiso kunye neendlela zokuba zifanele abantu ukuba baqwalaselwe njengabalingani basekhaya ngezansi.
Umlingani wasekhaya (DP) lixesha elibhekiselele kumlingane ongatshatanga okanye ngesini esahlukileyo.
Umlingani wasekhaya ungumgama osetyenziswa rhoqo kwi-inshorensi yezempilo ukuze achaze ukuba ngubani onokuthi agqitywe ngumgaqo-nkqubo wezempilo. Eli thuba linokuthi lihanjiswe njengabalingani abafanelekileyo basekhaya (i-QDP) .
Yintoni Umshuwalense waseMakhaya?
Ininshurensi yabalingani basekhaya okanye i- Intanethi yeNgxowa-mali yabasebenzi basekhaya xa inkontileka ye-inshurensi ikwandisa inkcazo yeqabane ukuba iqaphele amaqabane asekhaya, ngenxa yoko, iintlawulo ze-inshorensi yezempilo zingenwezelwa kumlingane ongatshatanga kunye nabantwana babo. Ababini bobulili obufanayo kunye nolwahlukileyo bayakwazi ukwabelana ngomshuwalense phantsi kwe-inshorensi yabalingani basekhaya njengokuba isibini esitshatileyo siza kuzuza, kunye nenzuzo enkulu kunokuba yinqanaba le- inshurensi elincinci kunye nokukwazi ukufumana ilungelo lokufumana iphakheji yomqeshwa.
Ngubani ofanelekileyo njengomlingani wasekhaya?
Ekubeni akukho zikhokelo zomgaqo-nkqubo ezikhoyo ezikhoyo zithetha ukuba ubambiswano lwasekhaya luyintoni, loo mpendulo ifikelela kumntu ngamnye.
Kuyinto eyenziwa ngokuqhelekileyo ukuba amazwe aqaphele ubambiswano lwasekhaya njengesibini esibiniweyo (ubulili obufanayo okanye ngesondo esahlukileyo) esifana nomtshato, kodwa kungekho mvume yomtshato esemthethweni. Ngoko, oku kuya kuthetha ukuba esi sibini sinokuba neempawu ezifanayo zomtshato ezifana nokwabelana ngokuhlala kunye nokuxanduva lwemali .
Indlela yokufanelekisa okanye ukubonakalisa ukuba ungumlingani wasekhaya lomshuwalense wezempilo wasekhaya
Unokufuneka usayine ifomu ekhoyo evela kumlawuli wakho womshuwalense wempilo okanye umlawuli wecebo lomsebenzi oquka izivakalisi ezininzi, umzekelo, uthi:
- indawo yokuhlala rhoqo kunye nokuhlala isigxina ubuncinane kwiinyanga ezintandathu, unyaka (kuxhomekeke kwinkampani yenkampani yomshuwalense) ngenjongo yangoku ukuqhubeka uyenza njalo ngonaphakade.
- yaziwa ngokuba yintlalontle emehlweni kawonkewonke
- akukho mntu utshatile omnye umntu ngaphandle kweqabane lomntu kwaye akukho mntu usebambisene kunye nomnye umntu
- Ngokubambisana ngokufanelekileyo ngokwezimali "iindleko zokuphila eziphambili," kuchazwe njengendleko yokutya okuyisiseko, indawo yokuhlala kunye naziphi na iindleko zomlingani wasekhaya ngenxa yobambiswano basekhaya. Oku kungaquka imfuno yokubonakalisa oku ngokubonisa amaxwebhu
Imiqulu enokunceda ekuqinisekiseni ubudlelwane basekhaya ngokuSebenza ngezeMali kwiNkcazo
Nangona kungekhona zonke izinto ezifunekayo, unokufuneka ubonise ezinye zezi zinto ukubonisa ubungqina "bakho basekhaya" phantsi kweminye imigaqo-nkqubo yempilo.
- Ubunikazi obuqhelekileyo bemoto okanye enye indawo (isenzo esivumeleneyo okanye isivumelwano somboleko)
- Iilayisensi zomqhubi zibeka idilesi eziqhelekileyo
- Ubungqina beakhawunti yebhanki edibeneyo okanye iakhawunti yekhadi lesikweletu kunye nemboleko
- Utyunjwa njengomcebisi-mali oyintloko kwi-inshorensi yobomi, inzuzo yomhlala phantsi, okanye phantsi komnqweno weqabane
- Ukunikezelwa kwamandla amagosa
Ngaba Abantwana Babahlali Bomakhaya Abathintela Ngaphantsi Kwimiqathango Yomlingani Wasekhaya?
Ukuba inkampani ye-inshorensi yempilo ikubona njengomlingani oqeqeshiweyo wasekhaya, ngoko abantwana bakho baya kufumana izibonelelo phantsi kweenzuzo zentsapho. Oku kungabandakanya: abantwana be-biological, abantwana bokuthobela, kunye nabantwana abasemthethweni. Unokucela umlawuli wakho we-inshurensi ye-inshorensi ukuba acacise ukukhutshwa ngokukodwa kunoma yintoni imeko ekhethekileyo ukuqinisekisa ukuba abantwana bahlanganiswe ngokufanelekileyo. Ngokuqhelekileyo xa ifom egqityiweyo ukucela ukuqashelwa njengomlingani oqeqeshiweyo wasekhaya, kukho ulwazi lokuzaliswa ngokuphathelele abantwana.
Ungayongeza njani uMlingani wasekhaya kwiNkqubo yomshuwalense wezeMpilo yangoku?
Nangona zonke iinkqubo zomshuwalense ziyahluke, cela izicwangciso zakho zomlawuli ukufumana iinkcukacha ezithile kwaye wenze isicelo sakho esisemthethweni ukuze iqabane lakho longezelelwe kungekudala. Iiplani zempilo ezininzi zomqeshi ziya kuvumela ukongezwa komlingani wekhaya ukuba isicwangciso siquka olu hlobo lokubhengezwa.
Ndayifumana Njani I-Intanethi Yomshuwalense Womlingani Wasekhaya?
Ukuphonononga i-inshorensi yabalingani basekhaya kufuna olunye uphando njengoko kuhlola ukuthengwa kwanaluphi uhlobo lwe- inshurensi yezempilo . Ukuthatha ixesha lokuqonda nokuphonononga umgaqo-nkqubo we-inshorensi yempilo kubalulekile kwaye kuya kukunceda ukuba ufumane uninzi lwe-inshurensi yakho. Ukusetyenziswa kwinqaku le- inshurensi yezempilo kuyakunceda ukuba ubone uhlobo lwenkonzo yomshuwalense yezempilo onokuyidinga kunye nolwazi malunga nokuqonda umgaqo-nkqubo we- inshorensi yempilo kunye noncedo lwamabango.
Ndingayifumana njani iSicwangciso soNcedo lwezeMpilo yeNkxaso yasekhaya?
Ukufumana inkampani yomshuwalense eya kwamkela wena kunye nomlingane wakho wasekhaya ngamanye amaxesha ingabakho ixesha elide, elichithwa ixesha elide ngakumbi ukuba utshintsho kwimithetho ngo-2015 yenza umqeshi wakho wanqumla ama-inshorensi e-domestic partner inshorensi. Isinyathelo sokuqala siza kuqala ngeempembelelo zabasebenzi bakho kwisicwangciso se-inshurensi yempilo emsebenzini. Unokuqhagamshelana nenkampani yakho ye-inshorensi ngokuthe ngqo kwaye ubuze ukuba unokuqinisekisa umlingani wakho wasekhaya kumsebenzi wakho we- inshurensi yezempilo kwaye ukuba kunjalo nawaphi amanyathelo okufuneka uwathathe ukuze uqalise. Ukuba isicwangciso se-inshorensi yempilo yakho singaboneleli nge-inshorensi yabalingani basekhaya ngokutshekisha kwenkampani yangasese. Nantsi imithombo efumaneka kwi-intanethi enokukunceda ekukhangekeni kwinshurensi yabalingani basekhaya:
IiNkampani zeInshurensi ezibonelela ngeeNzuzo zoMlingani zasekhaya
Impembelelo yoMthetho woMtshato woTyhini loMtshato kwi-Employer Benener Benefits
Ingaba umqeshi wakho unokunyanzela ukuba utshate ukuze uzuze kwisicwangciso se-inshurensi yezempilo, qhubeka ufunda malunga nezinye iinguqu kunye neenkcukacha malunga neenzuzo zabasebenzi kubalingani basekhaya kunye nosapho lwangoku kwiphepha 2 kwakunye nolwazi malunga
Yintoni ongayenza xa ufuna iiNzuzo zoMlingani zasekhaya kunye noMqeshi wakho akayi kuzinikela
Kutheni Ubuncedo Bomlingani Basekhaya Kubalulekile kuMbutho
Inkcazo yomlingani wasekhaya kwiinshorensi zempilo ibe yimfuneko kwaye kubalulekile kuba ngaphezu kweminyaka kwaye abaninzi baseMelika bakhetha ukuba baphile ngokubambisana ngokuhlala ixesha elide, kodwa ungakhethi ukuba usemthethweni "okanye utshate". Kuze kube ngumthetho wakutshanje, oku kubaluleke ngokufanayo kwiibini zesini kunye neentsapho zokuqinisekisa ukuba banokufumana ithuba kwiintlobo ezifanayo zenye iindwendwe ezithandanayo. Njengoko iimfuno zabantu zitshintshile, abaqeshi abaninzi banikela ngenzuzo yabasebenzi kunye nenkampani zomshuwalense zitshintshile nabo.
IiNtsapho zanamhlanje kunye neNtshumo yaseMpilo yeNtsapho yaseNtshonalanga
Ngokomlando, xa isibini esabelana ngesicwangciso se-inshurensi kwakufuneka sitshatile. Nangona kunjalo, ukusukela ngo-2000 ukuya ku-2008, kukho ukwanda kwe-15.7% engatshatanga-umlingani, amakhaya ahlukeneyo ngokwesini , ngowama-2014, ngokubhekiselele kwingcaciso evela kwiziko leSizwe loPhando loNtsapho kunye nomtshato, bekukho izigidi ezi-7.9 eziziintlobo zesibini zokuhlala. Kuyaqondakala ukuba ngabaqeshi bacinga phambili njani kunye neenkampani zomshuwalense ziguqule ukuxhamla kwiinkonzo zempilo ngokukhawuleza ixesha lokubandakanya amaqabane asekhaya kunye nokunikezela ngeenkcukacha kwiintsapho ezingezizo zenkcubeko.
Impembelelo yoMthetho woMtshato woTyhini ngoBomi be-Innshurensi yasekhaya
Ngokwesiko abanye abaqeshi banikezela i-inshurensi yabalingani basekhaya kubini abesilisa abafana nabo ngenxa yokuba babengenakutshata ngokusemthethweni. Ngokutsho kuka-Aon Hewitt, i-77% yabaqeshi abakhulu banika iingenelo zakwabo abalingani bobulili obufanayo kunye no-51% banikeza izibonelelo kwizibini zesini esahlukileyo.
Ukulandela utshintsho lwezomthetho, kwakukho ukucatshulwa okukhulu ukuba aba baqeshi abanikezela ngokukhawulelwa ngenxa yemithetho ekhutshweyo bayakususa amandla abo abasebenzi ukuba bazuze kwi-inshurensi yabalingani basekhaya kuba ngoku bangatshata. Njengoko kuboniswe kwiinkcukacha ezilapha ngasentla malunga neendawo zokuhlala kunye kunye neemfuno zeqabane zasekhaya ezibini zesini esahlukileyo kunye neentsapho eMelika, olu hlobo lwesigqibo lugqithisa into echazwe ngedatha, Nangona kunjalo, iinkampani ezenza ezi zigqibo zinokuthi zibe phakathi iqela lomqeshi elingakhange linikezele ngokukhawuleza kwiibini zesini zesini. Unokujonga itafile yeBhunga leZibalo zeZabasebenzi zabasebenzi abangatshatileyo basekhaya kwiinkampani ezizimeleyo apha.
Ngo-2015, ezinye iinkampani zazisusa inzuzo ye-inshorensi yempilo yabalingani babo abanikiweyo abasebenzi ukuba banike ithuba lokuba "batshatile" phantsi kwengqiqo yokuba ukuba abantu bafuna ukutshata, ngoku ngokusemthethweni kunye nokuba abasebenzi bezesondo ezahlukeneyo bebengakhange bazuze kwi-coverage yangomlingani yasekhaya, ngoko oko kubonakala kulungile.
Ngaba Umqeshi Wakho Ungakwazi Ukukhangela Ukutshata Ukuze Uzuze Amancedo EzeMpilo?
Ngokuqinisekileyo umqeshi akanakukunyanzela ukuba utshatile, kwaye umntu makangaze atshade nje ngenxa yokuba afuna inzuzo yezempilo, nangona kunjalo kubaqeshi abangenayo i-inshurensi yezempilo kubaqeshwa babo abanezihlobo kunye neentsapho zekhaya, ixabiso le-inshurensi yezempilo. inxalenye yeenzuzo zephakheji ingaba luleke kakhulu.
Ngaba Ubungakanani bemiSebenzi yoBucala bamaZindlu bendleko yoMqeshi imali engaphezulu?
Njengoko kwabelwana yiPhulo leLungelo loLuntu, uphando oluthile lwe- Hewitt Associates lunikeza idatha ebonise ukuba indleko yabantu abangatshatileyo ayinyusa iindleko ezingaphezu kwama-1-3% kumqeshi kwaye ukuba iindleko zangempela zeenzuzo zamanye amaqabane afana nazo ezo zomqeshwa otshatileyo "umtshato" inzuzo.
Iintlawulo zabasebenzi zenzelwe ukutsala nokugcina abasebenzi abalungileyo, kwaye mhlawumbi yilapho umgxininimsebenzisi ekujoliswe kuyo xa beqwalasela ukubonelela ngeeNzuzo zoMlingani zasekhaya.
Into enokuyenza Ukuba ufuna iiNzuzo zoMlingani zasekhaya kunye noMqeshi wakho akayi kubanika
Ukuba umqeshi wakho akaboneleli ngeenzuzo zamanye amazwe, unokubona ukuba umqeshi wakho umlingani. Ukungaphumeleli, unokujonga ukuba ufumane iiphakheji zakho zezempilo ezivela kwi-inshurensi enika i-Inshurensi yezeMpilo yabasebenzi basekhaya. Xa unesinye isibonelelo, ukuba ngaba kukunikezela kakuhle okanye ngaphezulu, emva kokuphonononga ngenyameko iinkcukacha kwaye xa unokubhengezwa kwakho okunye ungasicela ukuba usayine ukukhutshwa kweeinshorensi zezempilo kwaye uzame ukuxoxisana nembuyekezo evela kumqeshi wakho.
- IiNkampani zeInshurensi ezibonelela ngeeNzuzo zoMlingani zasekhaya
Ngaba Unokucela Umqeshi Wakho ukuba Adibanise Izibonelelo Zomlingani Zasekhaya kwiSicwangciso?
Ewe! Unokuzama nokucela umqeshi wakho ukuba afake iingenelo zeqabane zasekhaya kwiplani ye-inshurensi yezempilo yakho usebenzisa idatha esacacisiwe ngasentla. Ngokuqinisekileyo, akuyi kubabiza ngakumbi xa kukho. Ukuxhaswa kwabalingani basemakhaya kunokudibaniswa ngamalungiselelo amaninzi eenkonzo zempilo ngokulula.