Ngaba unenzuzo yezempilo kunye nokukhubazeka ngomqeshi wakho? Ngaba unokuphendula imibuzo enemininingwane malunga nempilo yakho kunye nokukhubazeka kwezempilo? Kubalulekile ukuba uyazi kwaye uyaziqonda iinkcukacha ngoku, ngaphandle kokulinda uze ufune ukuyisebenzisa. Ukuba unayo i- arthritis kwaye uqhubeka usebenza , izibonelelo zakho zibalulekile njengehokheji lakho.
Kamva, ukuba uyeka ukusebenza, unakho ukufaneleka kwiNzuzo yoKhubazeka koKhuseleko loLuntu , kodwa ngoku, sixubusha into enelungelo lakho ngomqeshi wakho.
Ulungelelwaniso lwezibonelelo zokukhubazeka
- Ngaba kufuneka ugcine inani elithile leeyure ezihleliweyo ukuba uhlale unelungelo lokufumana izibonelelo zempilo kunye nokukhubazeka?
- Yintoni eyenzekayo kwimpilo yakho kunye nezibonelelo zokukhubazeka xa ushintshela ukususela kwixesha elizeleyo ukuya kwixesha lexeshana?
Awudingi ukukhathazeka ngale nto? Ngaba nje uya kucinga ukuba uphelelwe? Cinga kwakhona.
Nasi umzekelo - Umntu unelungelo lokukhubazeka ixesha elide (LTD) njengomqeshwa wexesha elizeleyo. Ngenxa yobume bezokwelapha, umntu unciphise iiyure zabo kwixesha lesahlulo, enenjongo yokubuyela kwixesha elizeleyo xa imeko yabo yonyango iphuculwe. Inkqubo yabo ayizange iphucule, iphoqa umntu ukuba ayeke umsebenzi. Ngenxa yokuba bayeke kwiindawo zengqesho yexesha lesithuba, babengenelungelo kwi-LTD. Umntu waba ngumntu ongenakulungeleka kwi-LTD xa beya kwixesha lexeshana, nangona babesebenza iminyaka emininzi njengomsebenzi wesikhathi esigcwele.
Ukuthetha ngezezimali, bekuya kuba luncedo kakhulu ukuyeka ukuvela kwindawo yexesha elipheleleyo xa inzuzo ye-LTD yayisebenza.
- Ingaba umqeshi wakho unikezela isicwangciso sokukhubazeka kwexesha elifutshane (STD) okanye i-Long-Term Disability (LTD)?
- Iyintoni umrhumo womqeshwa ofunekayo ukuba ube ne-STD okanye i-LTD?
- Yiyiphi ipesenti yomvuzo wakho oqhubeka udweba ngexesha lakho lokukhubazeka, kwaye ixesha elide?
Abantu abasebenzayo kwaye bekhubaza izimo zonyango, njenge- arthritis ye-rheumatoid , kufuneka baqwalasele ngokukodwa iinkcukacha zezibonelelo zabo. Iziganeko ezitshintsha ubomi. Kubalulekile ukuqaphela ukuba utshintsho olwenzayo kwimeko yakho yengqesho lunokuchaphazela ukufaneleka kwakho kwempilo kunye nokukhubazeka. Oko akuthethi ukuba ukukhubazeka akuphepheki nge-arthritis ye-rheumatoid, kodwa ukuba bekufuneka kwikamva lakho, ufuna ukufunyanwa.
Ngumthwalo Wakho Wokukwazi Iinkcukacha
Unokuba nemibuzo emalunga neenzuzo zabasebenzi. Ukufumana iimpendulo ngumthwalo wakho. Buza uMphathi wakho wezeMithombo yoLuntu kwiNcwadana yeZibonelelo zeBasebenzi xa ulahlekelwa ngumntu owawunikezelwa kuqala.
Ngethuba lokuqeshwa, i-planning plan yezempilo isenokutshintsha. Ukuba isicwangciso sakho sezempilo sitshintsha:
- Uyakuchaphazeleka njani wena nentsapho yakho?
- Ingaba ugqirha wakho usaloluhlu lwababoneleli?
- Ingaba kukhokhelwa kwakho umvuzo?
- Ingaba kukho iirhafu kunye nemida yokufikelela?
Yintoni eyenzekayo kwiMpilo Yakho Impilo Xa Utshintsha Imisebenzi?
I-HIPAA (uMthetho we-Inshurensi yokuPhathwa kwe-Intshuwalense kunye noXanduva luka-1996) ngumthetho onokukunceda ukuphelelwa ukulahlekelwa zibonelelo onokuzifumanayo xa usuka kwelinye icebo ukuya kwelinye.
I-HIPAA, nangona kunjalo, inika ukukhuselwa okuncinane xa utshintshela isicwangciso sempilo kwisicwangciso somntu ngamnye, okanye ukuba awukho ninshuwalense. Ngokutsho kweHIPAA:
- Izicwangciso zezempilo zeqela azikwazi ukukhanyela isicelo sakho esisekelwe kuphela kwisimo sakho sempilo.
- Ukuba utshintshe okanye ulahlekelwe yimisebenzi, i-HIPAA imida engabikho kwi-inshurensi yezempilo kwiimeko ezikhoyo ngaphambili.
- Ukuba utshintshe okanye ulahlekelwe yimisebenzi, i-HIPAA iqinisekisa ukuhlaziywa kwakhona nokufumaneka kwenkxaso yezempilo kubaqeshwa abathile kunye nabantu ngabanye.
- I-HIPAA ithi awunakuphikwa ukukhutshwa ngenxa yokugula kwengqondo, ulwazi lofuzo, ukukhubazeka, okanye amabango adlulileyo.
- Imithetho ye-HIPAA isebenza kuzo zonke izicwangciso zezempilo zeqela lomqeshi ezinabamkeli abathathu abasebenza ngoku, kuquka abo bazinzileyo. Amazwe anikwe ukhetho lokusebenzisa imithetho yeqela "kumaqela omnye", ukunceda abantu abaqeshwe ngabanye.
- Inkonzo yomshuwalense ayiqinisekisi ukuba uya kuba neenzuzo ezifanayo, iiprayimari, ukuhlawula imali, okanye ukuhlawula xa usuka kwisicwangciso esinye sezempilo.
- Uninzi lwezempilo luyakutyala, oku kuthetha ukuba isicwangciso sakho sempilo esitsha kufuneka sikunike ikhredithi ngexesha osibhalisele kwisicwangciso sakho sangaphambili kwaye usikhuphe kwixesha lakho lokukhutshwa. (Umzekelo - ukuba unemizuzu engama-12 okanye ngaphezulu yegqeba eliqhubekayo leqela, awuyi kuba nexesha elilindelekileyo lokulinda kwisicwangciso sakho seqela elitsha. Ukugcina ugcino lwakho "luqhubeka" alukwazi ukuphelelwa yintsuku ezingaphezulu kweentsuku ezingama-62.)
Yintoni iCOBRA? Unokukunceda njani?
I-COBRA yokuqhubela phambili igalelo inikezela abasebenzi kunye nabaxhomekeke kubo abashiya iqela lomqeshi wezempilo lempilo ithuba lokuthenga nokugcina igalelo lezempilo elilodwa ixesha elide (ngokuqhelekileyo, iinyanga eziyi-18, 29 okanye ezingama-36) phantsi kweemeko ezithile. I-COBRA inokukunceda ibhulogi. Ngaphansi kwemithetho ye-HIPAA, i-COBRA ibalwa njengengxelo yezempilo yangaphambili, ngokungakhathaliseki ukuba kwakungekho ukukhawulwa kweentsuku ezingama-63 okanye ngaphezulu.
Iinkcukacha ezinxulumene nazo
- Ukulahlekelwa nguYobhi: AbaSebenzi boLwazi olubalulekileyo kufuneka baqonde ukukhusela umgangatho wabo wezeMpilo
- Khusela Iimali Zakho Nge-Intshuwalense Yokukhubazeka