Inshuwalansi yolemala yayitali ndi Inshuwalansi Yokhazikika Kwachisawawa

Kumvetsa Kusiyana

Kuda nkhawa za moyo komanso kaya banja lanu lidzakhala lotetezeka ngati chinachake chikuchitika? Simuli nokha. Uthenga Wabwino ndi wakuti abwana ambiri amapereka inshuwalansi yachinsinsi (SDI) kapena inshuwalansi yolemala (TDI). Izi ndi zinthu zamalonda zomwe zimapereka gawo la ndalama zomwe munataya ngati muli olumala ndipo simungagwire ntchito. Palinso olemba ena omwe amapereka ogwira ntchito onse awiri omwe amawunikira pogwiritsa ntchito malonda omwe amagwira ntchito.

Kodi kusiyana pakati pa mtundu uliwonse wa inshuwalansi ndi chiyani? Tidzakambirana zimenezi, kuphatikizapo ubwino ndi chiopsezo cha mtundu uliwonse wa inshuwaransi.

Kodi inshuwalansi yalemale yayitali ndi iti?

Pali makampani angapo kunja komwe amapereka antchito awo mtundu uwu wa inshuwalansi monga gawo la mapindu omwe amaperekedwa akalembedwe. Palinso anthu ena omwe amagula inshuwalansiwa pawokha, osiyana ndi ntchito zawo ngati sanagwiritsidwe ntchito ndi abwana awo.

Boma la federal silinapatse antchito zopindulitsa za SDI kupyolera mwa Social Security, koma chifukwa cha malamulo a boma, olemba ntchito amafunikanso kupatsa anthu ogwira ntchito zina zolipira zolipira (monga kubwerera kwa antchito kapena FMLA ).

Mwachidule, inshuwalansi yochepa ya inshuwalansi idzakupatsani gawo la malipiro anu mutagwiritsa ntchito masiku anu onse odwala chifukwa cha matenda kapena kuvulala komwe sikukuvutitsidwa kuntchito.

Malinga ndi mtundu womwe muli nawo, mukhoza kulipira kwa masabata 52.

Kodi Inshuwalansi Yokhazikika Kwanthawi Yanji?

Inshuwalansi yalemale ya nthawi yaying'ono imafunidwa ndi maboma a mayiko ena kuti aperekedwe kwa antchito ndi olemba ntchito awo. Mtundu uwu wa inshuwalansi umapereka chithandizo kwa antchito amene avulala kapena matenda kunja kwa kumene amagwira ntchito ndipo sangathe kuchita ntchito zawo chifukwa cha izo.

Kuvulala kulikonse kapena matenda omwe amavutika pa ntchito sikuti amadzazidwa ndi TDI, koma m'malo mwa malipiro a antchito. TDI idzagwiritsanso ntchito masamba ambirimbiri osagwira ntchito chifukwa cha mimba ndi kubala.

Ndondomeko ya TDI idzaperekera malipiro anu mpaka 60 peresenti pamene muli paulendo kwa miyezi itatu kapena isanu ndi umodzi. Ngati simungathe kugwira ntchito panthawiyi, mukhoza kulandira ubwino wautali wautali umene ungakukhudzeni kwa zaka zisanu kuchokera pazovomerezeka.

Mapindu ndi Zopindulitsa za inshuwalansi yolemala yayitali

Monga ndi mitundu yonse ya mapulani a inshuwalansi, pali phindu ndi phindu la inshuwalansi yolemala yaifupi.

Choyamba, zotsatira za SDI:

• Amaphika antchito amene avulala kapena odwala kunja kwa ntchito
• Perekani gawo la ndalama za antchito
• Angagulidwe kunja kwa ntchito ndi ogwira ntchito omwe sali otchingidwa ndi ndondomeko ya abwana

Tsopano, chikumbumtima cha SDI:

• Sichikuphimba kuvulala kapena matenda omwe amavutika kuntchito
• Salipira malipiro onse a antchito
• Icho chidzathera pambuyo pa nthawi yochuluka yomwe yanenedwa ndi dongosolo
• Osaperekedwa kudzera mu Social Security ndi Federal Government
• Sichigwira ntchito mpaka nthawi yogwiritsidwa ntchito ndi wogwira ntchito

Ndalama ndi Zopweteka za Inshuwalansi Yokhazikika Kwachisawawa

Tiyeni tiwone zina mwa ubwino ndi kuipa kwa inshuwalansi yalemale yanthaŵi yochepa.

Zotsatira zake:

• Mapulani omwe amaperekedwa ndi olemba ntchito
• Inshuwalansi imakhudza zovulala ndi matenda omwe sanathenso kuntchito
• Amapereka gawo la malipiro, makamaka 60 peresenti
• Malipiro amapangidwa kwa miyezi itatu kapena sikisi
• Ikhoza kugwira ntchito isanayambe kukhazikitsa ndondomeko ya ndondomeko ya SDI

Chiwombankhanga:

• Mapulani samapitirira kutalika kwa matenda kapena kuvulala kwa anthu ena
• Ndondomeko sizikuphimba chirichonse chomwe chinachitidwa kuntchito
• Salipira malipiro 100 peresenti
• Adzatha, kutsogolera antchito kuti azipempha thandizo lalemale

Monga momwe mukuonera, pali kusiyana kwakukulu pakati pa inshuwalansi yolemala yaying'ono komanso mapulani a inshuwalansi otha msinkhu. Kaya mwasungidwa pazinthu izi zimadalira zomwe abwana anu amapereka. Ngati SDI sichiperekedwa ndi abwana anu, mukhoza kugula nthawi zonse kuti mupereke mtendere wa mumtima.