Ngaba Ufanele Ukwamkela Inzuzo Yomshuwalense Wempesimali yoMsebenzi?
Ngokuqhelekileyo, abasebenzi bavakalelwa kukuba bafumana inzuzo xa bebuhlungu emsebenzini kodwa ukwamkela i-inshorensi yembuyekezo yomsebenzi wakho yomqeshi akusoloko kube yinto ekhethekileyo kubo bonke abantu.
Kukho ubuqili kunye nobutyebi ekwamkele i-inshurensi yembuyekezo ye-inshurensi kwaye ukuba awuyiqondi indlela isebenza ngayo ngoko awukwazi ukwenza okulungileyo.
Inkonzo Yomshuwalense Wembuyekezo Yomsebenzi: Imbali
Ngaba unokucingela ukulimala emsebenzini wakho kwaye yinto enokuyenza kuphela ukuza kummangalela umqeshi wakho ukuze ubonise ukuba babenecala lokulimala emsebenzini? Yiloo ndlela yayisetyenziswa ngayo ekuqaleni kwawo-1900. Emva koko xa umntu enzakele emsebenzini, ngokuqhelekileyo kwakudingeka ahlangabezane nomvuzo olahlekileyo, afune omnye umsebenzi, okanye aphile nokukhubazeka okusisigxina. Oku kungenxa yokuba abantu babefanele baveze ukuba ukulimala kwakungenxa yendawo yokusebenza engaphephile kwaye ukwenza oko kufuneka uhambe enkundleni. Uninzi lwabasebenzi abakwazanga ukuhlawula iindleko ezinxulumene nokumangalela umqeshi. Imibutho yabasebenzi evuyisayo yanyanzeliswa yinshurensi yembuyekezo yokhuseleko ukuze ikhusele abaqeshi. Ngowe-1949 bonke abaqeshi kuwo wonke umbuso babefunwa ngumthetho ukubonelela ngenkonzo ethile yomshuwalense kubasebenzi babo.
I-inshorensi yokuhlawula i-inshurensi yabasebenzi iye yaba ngaphezu kwemali yemali elahlekileyo. Ngokuxhomekeka kwimeko ohlala kuyo, inkokhelo ye-inshuwalense yomsebenzi inganika imali ngemali elahlekileyo, ukubuyisela iibhilidi zonyango, kunye ne- inshorensi yobomi kubaxhomekeke bakho xa ufa emsebenzini.
Inkonzo Yomshuwalense Yembuyekezo Yomsebenzi
Ukuba usebenza kwaye ulimala ngelixa usebenzayo uya kubalisa ukuba ukulimala kumphathi wakho.
Ngokomthetho unelungelo lokunonyango. Ukuba ngesizathu esithile awukwazi ukusebenza ngenxa yengozi yakho, uya kunikwa ngemali ngumqeshi wakho ohlawulwa kwi-inshorensi yembuyekezo yabasebenzi. Ingakanani imali kunye nokuba ufumana ixesha elingakanani loo mali kuxhomekeke kwimeko apho indawo yakho yomsebenzi ikhona. Inkokhelo yembuyekezo yomsebenzi wakho yomqeshi iya kunika inkokhelo yokunonyango. Izandi ezihle kakhulu? Ewe, kukho ukurhweba ukufumana intlawulo yemphuwalense ye-inshurensi evela kumqeshi wakho.
Yiyiphi into eyenziwa ngumqeshwa ngamnye oya kuLwazi malunga nokuMkela iNgxowa-mboleko yeNkxaso-mboleko yoMsebenzi
Uninzi lwabaqeshwa aluyikunika ingcamango yesibini xa bemkela intlawulo yomshuwalense we-inshorensi yomsebenzi wabo. Kodwa, kufuneka. Xa umntu enzakele kwindawo yakhe yomsebenzi aze amkele i-inshurensi yembuyekezo ye-inshurensi, bayeka ilungelo labo lokumangalela umqeshi wabo. Ukhumbule imbali yomshuwalense we-inshurensi yembuyekezo evela phezulu? Abantu babengenakukwazi ukusola abaqeshi babo ukuze umthetho wenziwe umthetho owawufuna wonke umqeshi ukuba anike i-inshurensi yembuyekezo yomshuwalense. Yingakho yenziwe, kungekuphela nje ukubonelela ngemvuzo elahlekileyo kunye nokunyamekelwa kwezonyango kubasebenzi kodwa nokukhusela abaqeshi ukuba bangamangalelwa ngaso sonke ixesha.
Uyazi njani ukuba uya kuphathwa ngokufanelekileyo xa ukhetha ukwamukela intlawulo yemphuwalense ye-inshurensi?
Indlela Yokuqinisekisa Ukuba Ukulimala Kwembuyekezo Yomsebenzi Wakho Ukuphathwa Ngokufanelekileyo
Kwiimeko ezininzi ukwamkela i-inshurensi yembuyekezo yempesheni yomqeshi yinto ekhethekileyo. Umqeshi wakho akafuni ukuba ubagwebe kwaye ngokubanzi baya kwenza konke okusemandleni ukukunceda uphinde uphile kwaye ukhusele esinye isiganeko. Kodwa yonke imeko kunye nokulimala kuyindlela ekhethekileyo kunye nendlela engcono yokwazi ukuba kufuneka uwamkele i-inshurensi yembuyekezo yempesheni yomqeshi ukuba uqhagamshelane nommeli wenzakalo. Oku kubalulekile ukuba unobungozi bokusongela ubomi okanye into ocinga ukuba ingaba yimeko yokukhubazeka isigxina. Indawo eninzi ngolwazi oluthe ngqo malunga ne-inshurensi yembuyekezo yomshuwalense yiwebhusayithi ye-Innsurance Compensation website.
Kuya kukunceda uqonde imimiselo yombuso ethile kwi-inshorensi yokuhlawula i-inshurensi kwaye iquka izixhobo zikarhulumente kwabasebenzi abalimele kunye neforamu kunye namabali abo kubasebenzi abalimele.