Kodi mu Pacquehensive Employee Benefits Package?

by Susan M. Heathfield

Perekani Zopangira Izi Kuti Zimakondweretse ndi Kugwira Ntchito Yabwino Kwambiri

Olemba ntchito amasankha antchito ogwira ntchito bwino kuti athe kukopa ndi kusunga antchito. Kuphatikiza pa malipiro a mpikisano, wogwira ntchito amapindula phukusi ndiyeso - ndi kuyembekezera-gawo la wogwira ntchito malipiro okwanira phukusi.

Olemba ntchito ochepetseka amakonda kupereka zigawo zing'onozing'ono pothandizira phindu la ogwira ntchito - ndipo nthawizina, palibe phindu. Koma, makampani ambiri akuluakulu komanso pafupifupi mabungwe onse a boma amagwiritsa ntchito phukusi lopindulitsa kwambiri.

Mabizinesi aang'ono omwe akukula ndikukula akufunika kukonzekera gawo labwino la ogwira ntchito kuti pamene mukukula, mupitirize kukopa ndi kusunga luso lomwe mukusowa kuti muwonjezere ndikukula. Olemba ntchito angathe kuwonjezera phukusi la phindu la ogwira ntchito, monga momwe ndalama zimaloleza.

Ndili ndi mitundu yambiri yopindulitsa yogwira ntchito yomwe ili pamunsimu Kodi Mukupindula Kwambiri ndi Mapindu Anu? , bwana amatha kusamalira phukusi lopindulitsa antchito pa zosowa ndi zofuna za antchito ake.

Izi ndizo zigawo za pulogalamu yopindulitsa yogwira ntchito. Palibe malamulo amafuna abwana kupereka zopindulitsa za ogwira ntchito mwaufulu. Koma palinso ma pethoni ambiri okhudzana ndi kuitanitsa, kusunga komanso kugwira ntchito chifukwa chake mungathe.

01 Inshuwalansi Zaumoyo Ndilo maziko a Pulogalamu Yabwino Yothandizira Ogwira Ntchito

Inshuwalansi ya umoyo ndi maziko a antchito onse ogwira ntchito omwe amapindula nawo omwe antchito akufuna ndi osowa. Inshuwalansi ya umoyo ndi wogwira ntchito amene amamukonda amapindula ndi anthu ambiri omwe amagwira ntchito.

Inshuwalansi ya umoyo imasonyeza abwana ngati bwana wosankha pamene ofuna ofuna ntchito akufuna mwayi. Ngati panopa mungakwanitse kupereka chithandizo chokha cha ogwira ntchito, pindulitsani inshuwalansi ya umoyo kwa ogwira ntchito ndi mabanja awo. Iwo adzakhala oyamikira.

02 Kulipira Nthawi Yochokera ku Ntchito

Palibe ogwira ntchito ogwira ntchito omwe angapindule phukusi angakhale opanda malipiro osagwiritsidwa ntchito ntchito. Monga gawo la phindu la ogwira ntchito, abwana amapereka zosankha zosiyanasiyana pa nthawi yolipira.

Olemba ntchito amapereka masiku osiyanasiyana omwe amawerengedwa m'njira zomveka bwino kwa abwana ndi ogwira ntchito. Mitundu ya nthawi yolipira yomwe nthawi zambiri imawoneka pa phukusi la phindu la antchito ndilo:

Zifukwa zomwe zimaphatikizapo kuphweka, kusowa kwa antchito kuti aziwerengera nthawi, komanso chilakolako chochitira antchito ngati anthu achikulire anzeru, chiwerengero chowonjezeka cha olemba ntchito akuyandikira kugwiritsa ntchito nthawi yolipidwa Pakati pa ndondomeko zomwe zimachotsa nthawi yochepa yomwe tchuthi .

Mphamvu ya Inshuwalansi ya Panthawi Yakale Imalimbikitsa Mapindu

Inshuwalansi yolemala yaying'ono imaonetsetsa kuti wogwira ntchito adzalandira ndalama zambiri ngati sangagwire ntchito chifukwa cha matenda kapena kuvulaza. Inshuwalansi yolemala yayitali, monga gawo la antchito ogwira ntchito bwino phukusi akulimbikitsidwa.

Zimapereka chitetezo chofunikira kwa antchito omwe sangathe kugwira ntchito pafupipafupi. Mufuna kuphatikiza inshuwalansi yolemala yafupipafupi mu pulogalamu yanu yopindulitsa.

Inshuwalansi Yopumitsa Kwanthaŵi Yaitali Kwambiri imapereka chitetezo kwa antchito

Inshuwalansi yalemale yayitali (LTD) ndi inshuwalansi yomwe imateteza wothandizira kuti asathenso kugwira ntchito chifukwa cha matenda, kuvulala, kapena ngozi kwa nthawi yaitali.

Zomwe ena amanena zimasonyeza kuti anthu ambiri omwe ali ndi zolemala amalephera kugwira ntchito zaka 2.5. Ena amaganiza kuti wogwira ntchito ali ndi mwayi umodzi wokhala wodwala ndipo sangathe kugwira ntchito kwa nthawi.

Inshuwalansi yalemale yayitali ndi imodzi mwa zigawo zofunikira kwambiri pa phukusi lopindulitsa antchito.

05 Inshuwalansi Ya Mankhwala Amadzimadzi Ndiwo Mbali Yophatikizira Ntchito Yopereka Ntchito

Mapulani osiyanasiyana a inshuwalansi amatha kupezeka kuti olemba ntchito azipereka gawo limodzi la phindu lothandizira antchito. Mapulani a inshuwalansi a mano amalinganizidwa kuti athandizire ndalama zomwe antchito amakumana nazo pakupeza chithandizo choyenera cha mano, zonse zothandizira ndi zachangu.

Inshuwalansi ya mano amapezeka nthawi zambiri kuchokera kwa wothandizira inshuwalansi ya umoyo pafupipafupi. Taganizirani kupereka inshuwalansi ya mano monga gawo la phindu lothandizira antchito.

06 Masomphenya Inshuwalansi

Masomphenya a inshuwalansi ndi otsika mtengo kuphatikizapo ntchito yothandiza antchito omwe amaperekedwa ndi olemba ntchito. Inshuwalansi yowona masomphenya nthawi zambiri imakhala yowonjezera ku ndondomeko ya thanzi labwino.

Inshuwalansi ya masomphenya imapereka antchito kuti azikhala ndi masewero owonetsa nthawi zonse ndipo amapereka kwa peresenti ya mtengo wogula zida.

Inshuwalansi ya masomphenya ndi gawo lofunikira la phukusi lopindulitsa antchito lomwe nthawi zina likupezeka kudzera mu pulogalamu ya inshuwalansi ya phindu lanu la thanzi.

07 Inshuwalansi ya Moyo Imaphatikizapo Mtengo kwa Wogwira Ntchito Wopatsa Opindulitsa Wogwira Ntchito

Inshuwalansi ya moyo ndi gawo lovomerezeka mu ogwira ntchito ogwira ntchito phindu phukusi. Kufunafuna antchito kuyembekezera inshuwalansi ya moyo kukhala gawo la ntchito yokongola yogwira ntchito. Pezani zambiri za momwe mungapere inshuwalansi ya moyo monga gawo la phindu lanu la ogwira ntchito.

08 401 (k) kapena Pulogalamu Yina Yopuma Ntchito Kwa Ogwira Ntchito

Mphotho yothandizira, inshuwalansi ya umoyo, ndi 401 (k) ndondomeko ndizoyenera kukhala ndi mapindu oyenera kuti akope ndi kusunga luso lanu.

Malinga ndi kafukufuku wina wokhudza Watson Wyatt Worldwide, omwe analemba mu Human Capital Edge kuti: 21 People Management Practices Your Company Ayenera Kukhazikitsa (kapena kupewa) Kuonjezera Mtengo Wagawi , makampani omwe amatsindika ogwira ntchito bwino omwe amapindula nawo ntchito ndi kuwagwiritsa ntchito kukopa ndi kusunga antchito apamwamba onjezerani 7.3% phindu loonjezera pamndandanda wawo. Pezani zambiri za 401 (k) monga chigawo cha pulogalamu yopindulitsa yogwira ntchito.

09 Thanzi Labwino Flexible Ndalama Zowonjezera (FSAs)

Pamene ndalama zothandizira zaumoyo zikupitiriza kuwonjezeka mofulumira, abwana akupitirizabe kusinthitsa ndalama kwa ogwira ntchito monga ndalama zapamwamba zothandizira ndalama, ndalama zowonongeka, komanso ndalama zowonongeka. Pofuna kuthana ndi mbola zina zomwe zimagwiritsidwa ntchito ndi ndalama zowonjezera, abwana ambiri akugwiritsa ntchito ndondomeko za Health Care Flexible Spending Account (FSA).

Ndondomeko ya FSA imalola antchito kulipira ndalama zina zosadalitsika zaumoyo komanso ndalama zothandizira ndalama ndi ndalama zisanapereke ndalama. Ndondomeko yowonongeka ndi gawo lofunika la phindu la ogwira ntchito.

10 Zosamveka: Chonde taonani

Susan Heathfield amayesetsa kupereka zolondola, zowonongeka, zowonongeka kwa anthu, ogwira ntchito, ndi malangizo a malo ogwirira ntchito pa webusaitiyi, ndipo akugwirizanitsidwa ndi webusaitiyi, koma sali woyimira mlandu, ndi zomwe zili pa tsambali, pomwe ovomerezeka, satsimikiziridwa kuti ndi olondola komanso ovomerezeka, ndipo sayenera kutengedwa ngati uphungu walamulo.

Malowa ali ndi malamulo padziko lonse lapansi komanso malamulo ndi ntchito zimasiyana kuchokera ku mayiko ndi mayiko kupita kudziko, choncho malo sangathe kukhala otsimikizika pa onse ogwira ntchito. Pamene mukukayikira, nthawi zonse funani uphungu kapena thandizo lovomerezeka ndi boma, Federal, kapena International boma, kuti muzitha kuwamasulira movomerezeka ndi zisankho. Zomwe zili pa tsamba lino ndizo zitsogozo, malingaliro, ndi chithandizo chokha.