Akungabazeki ukuthi umshuwalense ungenye yamathuluzi amahle kakhulu wokuvikela abazisebenzelayo abangaphakathi kwezebhizinisi ledijithali. Lapho ingxenye enhle yezinkampani zomshuwalense inika abaqashile ithuba lokubhalisela inqubomgomo yokukhubazeka okuphelele okwesikhashana, okubavumela gcina umholo wakho ngesikhathi abakwazi ukwenza umsebenzi wabo wobungcweti. Kunezixazululo eziningi abangazinikeza izidingo zabo zansuku zonke nokuthi ngezinga elikhulu kungaba ithuluzi lezinkinga ezithile abangaziveza.
Amabhange nezinkampani zemishwalense sebephendukele emkhakheni wokuzisebenza, babanikeza imikhiqizo eyenzelwe bona kanye nezidingo zabo, futhi ebheka izinkinga ezibhekene nalesi sigaba somphakathi. Ngokuyinhloko ukunikezwa kuqukethe imikhiqizo yomshuwalense emibili, ngakolunye uhlangothi umshwalense we ukukhubazeka kwesikhashana okuphelele, okubavumela ukuthi bagcine umholo wabo ezikhathini lapho abakwazi ukwenza umsebenzi wabo. Ngenkathi enye, kunezinqubomgomo zezempilo, ezinokutholakala okukhulu kwezokwelapha kanye nesiqinisekiso sokulaliswa esibhedlela nganoma yisiphi isizathu.
Isidingo sabo sisuselwa eqinisweni lezidingo zalezi zisebenzi ezizimele ezingenazo eziningi zalezi zimo eziphuthumayo ezitholakala empilweni yazo yobungcweti. Lolu hlobo lwezinqubomgomo ezikhethekile lubonakala ngokuguquguquka futhi kube yi-modular ongakwazi ukuqasha kuphela ukumboza okudingayo ngempela. Bakunikeza isivinini esiphezulu ekuphathweni kwezimangalo. Ngenketho yokubhalisa ukuvikeleka okungeziwe uma kwenzeka udala umonakalo kubantu besithathu ekuthuthukiseni umsebenzi wakho wobuchwepheshe. Ngakho-ke, kungumshwalense ohambelana nezidingo zakho kanye nenketho yokukhetha izembozo ezizokufanela, njengemithombo eyinhloko yobunikazi maqondana neminye imishwalense enezici ezifanayo.
Ukuvikelwa kwabazisebenzelayo: izinzuzo zabo
Abazisebenzelayo bangathola inkontileka njengokumbozwa okungakhethwa komshwalense wekhefu lokugula lezi zimo ezilandelayo esiziveza ngezansi:
Ukulaliswa esibhedlela nganoma yisiphi isizathu: ngalokhu kufakwa ophethe inqubomgomo angathola enye imali uma, uma kwenzeka egula noma engozini, angeniswe esibhedlela okungenani amahora angama-24.
Ukuphela komsebenzi: Uma umuntu onomshwalense ezisebenza futhi enikela kwi-Self-Employed Social Security, Mutual, Montepío noma esikhungweni esifanayo njengoba kunqunywe ngumthetho, bazoqinisekiswa isinxephezelo sanyanga zonke sokuyekiswa kokuzithandela komsebenzi wabo.
Ukungakhokhelwa kwamakhadi wesikweletu
Ukungakhokhelwa kwamakhadi akho esikweletu kungenye yezinzuzo ezinikezwa yilo mkhiqizo wezezimali okwamanje. Ngoba lapho isimo sabo singabavumeli ukuthi babhekane nenkokhelo yanyanga zonke yezitolimende zabo. Nge-premium yonyaka noma yanyanga zonke engekho phezulu ngokweqile ngoba iseduze Ama-euro angama-20 noma angama-30 ngenyanga. Inani elizokhonjiswa kwerisidi yanyanga zonke ekhishwa ekhadini lesikweletu labanikazi bale ndlela yokukhokha yendawo yonke. Idizayinelwe izimo lapho labo bachwepheshe beyeka khona umsebenzi wabo noma bavele bangasebenzi.
Ngale ndlela, bangachitha isikhathi esithile ngaphandle kokukhokha isikweletu esiqoqwe kulama-plastiki futhi okungadala izinkinga eziningi lapho belungiselela isabelomali somuntu siqu noma somndeni. Kunoma ikuphi, inketho yokuzikhethela eqashwa ngabasebenzisi kuphela uma bekholelwa ukuthi kufanelekile ukuqasha le nsizakalo ngokuya ngezidingo zabo zangempela emkhakheni wobungcweti abasebenza kuwo. Ukwazi nganoma yisiphi isikhathi ukunqamula inkontileka yalo mshuwalense ngaphandle kwanoma yiluphi uhlobo lwezinhlawulo noma izindleko kubaphathi bayo.
Umshuwalense wokuqasha
Umshuwalense walezi zici kuyinqubomgomo ekhetheke kakhulu enikeza isinxephezelo uma kwenzeka shiya emsebenzini noma uchwepheshe ukukhokhela ukwehla kwemali engenayo Yezokuphepha Komphakathi kanye nokunye ukunxeshezelwa uma kwenzeka ulaliswa esibhedlela nganoma yisiphi isizathu. Lapho iveza khona ukumbozwa okuyisisekelo, njengalokhu esikunikeza ngezansi:
- Isinxephezelo sansuku zonke sokukhubazeka okwesikhashana ngenxa yokugula kanye / noma ngengozi.
- Kufaka phakathi izinzuzo zokubeletha.
- Isinxephezelo uma kwenzeka ulaliswa esibhedlela ngenxa yokugula kanye / noma ngengozi: usuku ngalunye ulaliswa esibhedlela (kusuka emahoreni angama-24 kuye ezinsukwini ezingama-365).
- Izinzuzo zentela Icala labazisebenzayo abafaka isandla ngokunqunywa okulinganiselwe ngqo ekubuyiseni kwentela yemali engenayo. (Kufike kuma-500 EUR aphezulu).
Futhi namanye amakhava angakhethwa futhi afaka izinzuzo ezilandelayo ngaphakathi kwenqubomgomo enenkontileka:
- Ukungenelela kokuhlinzwa.
- Ukukhubazeka Okuphelele Nokuhlala Njalo.
- Usizo Lwezokwelapha Lengozi.
Umshuwalense wabasebenzi
Lo ngumshuwalense onokutholakala okubanzi kakhulu nezinsizakalo. Ngalo mshuwalense ungagxila kukho konke ukumboza okufunayo (ezempilo, imali engenayo kanye / noma ukufa) kokukodwa irisidi elilodwa futhi ngamanani akhethekile. Kunoma ikuphi, umshwalense wokumbozwa okuningi onamandla wokuhlanganisa umshuwalense ngokuya ngezidingo nokuwaqoqa kurisidi elilodwa.
Izinqubomgomo zezinhlobo ezilandelayo zomshuwalense zingahlanganiswa:
- Ezempilo: Umkhiqizo Weshadi Lezokwelapha
- Qasha:
- Izingozi
- Abashonile
Kwezinye izimo, ukuze ukwazi ukuthola iziqinisekiso ezithile, kufanele ulinde isikhathi esithile kusukela uqala ukujabulela izinzuzo zepholisi yakho.
Ngalesi sigaba somshuwalense wobuchwepheshe, zonke izinzuzo zingasetshenziswa kusukela ngosuku lokuqala, kuphela izinsizakalo ezilandelayo ezinezikhathi zomusa:
- Ukulaliswa esibhedlela nokungenelela kokuhlinzwa (kufaka phakathi i-prosthetics): izinyanga eziyi-6
- Ukudiliva (ngaphandle kokulethwa ngaphambi kwesikhathi): izinyanga eziyi-8
- Ukufakelwa kabusha: izinyanga eziyi-12
Umshuwalense wabasebenzi
Umshuwalense walezi zici kukusiza ukuthi ukhokhele izindleko ezingajwayelekile ezibangelwa ukulaliswa esibhedlela noma ukungenelela kokuhlinzwa (ukudluliselwa, ukunakekelwa kwabangane, ukunakekelwa kwezingane, usizo lwasekhaya, njll.) Ngokukhokha isinxephezelo sansuku zonke kuze kufike kumkhawulo omkhulu zonyaka owodwa nanoma yisiphi isibhedlela okulaliswe kuso umshwalense.
Ngenkathi ngakolunye uhlangothi, ukugula noma ingozi kungakuphoqa ukuthi uthathe ikhefu lokungabikho emsebenzini, okusho ukuthi uthola imali encane nezindleko eziningi. Ngalo mshuwalense, umnotho wakho ngeke uthinteke uma kwenzeka uthola ikhefu lokugula, ngoba isimangalo ngasinye noma i-pathology inikezwa inani lezomnotho (isikali).