Malinga ndi Disability Management Sourcebook, kulemala kwakukulu kwawonjezeka 400 peresenti pa zaka 25 zapitazi kuyambira zaka 17 mpaka 44. Asanafike zaka 65, mmodzi mwa anthu asanu ndi awiri adzalemala kwa zaka zisanu kapena kuposerapo.
Kodi Inshuwalansi Yakulimbana Kwambiri Ndi Yofunika Motani?
Ngati mukuganiza kuti boma lidzakusamalirani, ganiziraninso. Kuyenerera kwa Mapulogalamu aumphawi otetezeka a Social Security kapena Mphotho ya Ogwira ntchito idzakhala yovuta ndipo kukula kwa msonkho kungakhale kotheka chifukwa cha kusowa kwa ndalama. Chitetezo cha anthu okha chingakhale ndi nthawi yaitali kuyembekezera.
Chisankho chofunika chomwe bizinesi yanu yaing'ono idzachita ndi inshuwalansi yochuluka yomwe mukufunikira ndipo ingathe kukwanitsa. Onaninso katundu wanu ndi mangawa anu kuti mudziwe kutalika kwake komwe mungapite popanda ndalama. Ganizirani zomwe mumagula ndikupanga kusintha kwa moyo wodwala. Ngati muli ndi chilema, mukhoza kukhala ndi ndalama zokwanira kwa kanthawi kochepa koma mwinamwake bizinesi yanu idzafuna inshuwalansi yalemale ya nthawi yaitali.
Pamene mukudziwa inshuwalansi yanu yolemala kukumbukira simungathe kugula malipiro a 100%. Makampani a inshuwalansi sangayese ndalama zanu zonse chifukwa akufuna kukulimbikitsani kuti mubwerere kuntchito. Kufotokozera kwakukulu ndi 50-60% ya ndalama zanu zonse. Zambiri za ndondomeko zolemala zimaphimba paliponse kuyambira 40% mpaka 80% ya ndalama zanu malingana ndi kuchuluka kwa momwe mukulipira.
Taganizirani zinthu zotsatirazi mukagula malonda a inshuwalansi yaumphawi pa bizinesi yanu yaing'ono:
Malangizo 11 Ogula Inshuwalansi Yopumitsa Amalonda Ambiri
Kutanthauzira Olemala: Mwini aliyense wa bizinesi yemwe akuganiza kugula inshuwalansi yolemala angakhale wanzeru kuyerekeza kufotokoza kwa wothandizira inshuwalansi. Ndondomeko yolemala ikhoza kufotokozera kulemala monga ntchito yanu kapena ntchito iliyonse. Ngati muli ndi luso lomasulidwa kuntchito ina ndipo simungathe kuchita ntchito yanu yeniyeni ndondomeko zina sizikuwonani kuti ndinu olumala. Onetsetsani mosamala ngati mwakonzedweratu pa ntchito iliyonse kapena ntchito zonse komanso momwe mungathere.
Onjezerani COLA: Chofunika cha kusintha kwa moyo wanu (COLA) kudzakuthandizani kuti pulogalamu yanu ikhale yowonjezera ndi kuwonjezeka kwa kutsika kwa mitengo. Potsatira chidziwitso cholemala, madalitso anu adzasinthidwa chaka ndi chaka molingana ndi kukonzekera kusinthidwa kumene kumayendetsedwa ndi wokwera.
Yang'anani Associations : Ngati ndinu katswiri mungakonde kuyang'anirana ndi gulu la mafakitale anu pazinthu zamagulu. Mabungwe ambiri amapereka mamembala osiyanasiyana phindu kuphatikizapo inshuwalansi ya moyo ndi ulema. Onaninso mtengo ndi ndondomeko za mapulani awa.
Dziwani Mtundu Wokulemala: Sikuti zolema zonse zidzasungidwa motsatira ndondomeko.
Wolemba mapulogalamu a pakompyuta adzakhala ndi vuto la kulemala monga carpal tunnel syndrome. Ndi kulemala kotani komwe kumayikidwa pansi pa dongosolo lanu?
Chotsimikizirika Chotsimikizirika: Ichi si inshuwalansi yosankha kuti musanyalanyaze. Ngati mukufuna kuwonjezera inshuwalansi m'tsogolomu popanda chidziwitso cha zachipatala, chitsimikizo chotsimikizirika choyenera ndi chabwino kwa inu.
Ndondomeko yosavomerezeka: Ngati mukufuna ndalama zowonjezereka ndi zopindulitsa ziganiziranso ndondomeko yosavomerezeka. Ili ndilo njira yabwino kwambiri yowatsekera mu mtengo ndi phindu lanu koma ikubwera ndi mtengo wapamwamba. Gwiritsani ntchito zomwe mungakwanitse.
Yang'anani pa Zomwe Mungazigwiritse Ndalama: Musanapange chisankho chomaliza posankha inshuwalansi yolemala, yang'anirani ogwira ntchitoyo. Kampani Yabwino Kwambiri kapena Osauka ndi Osauka amapereka ziwerengero za mphamvu zachuma za mabungwe a inshuwalansi.
Inshuwalansi yanu yogulitsa inshuwalansi ikhoza kukupatsani ziwerengero.
Sewani Masewero Odikirira: Kuonjezera nthawi yodikira kapena kuchepetsa nthawi ya kulemala kulipira kungawononge ndalama za inshuwalansi zochepa. Yang'anani pa ndalama zanu ndi kulingalira momwe mungathere nthawi yaitali musanapindule. Kumbukirani kuti kulipira koyamba kudzakhala masiku 30 mutatha kuyembekezera.
Onaninso Malingaliro Okhazikika: Onaninso moyo wanu ndi inshuwalansi ya inshuwalansi kuti mufufuze mtengo woonjezera wokwera pambali pa ndondomekoyi. Kuleka kwa wokwera payekha kungathandize kuchepetsa ndalama zomwe mumagwiritsa ntchito ngati muli ndi vuto.
Ndondomeko Yowona Bwino: Ndondomeko ya bizinesi yapamwamba (BGB) ingakhale kulandiridwa kwa anthu ogwira ntchito omwe sakufuna ndalama zowonjezera koma pamwamba monga malipiro, mapindu, lendi, ndi zothandiza. Njirayi ingathandize kuti bizinesi ikuyenda pamene mukuchira.
Pezani Mtumiki kapena Broker: Bzinesi ya inshuwalansi ndi yovuta ndipo imasintha nthawi zonse. Monga mwiniwake wamalonda amapeza inshuwalansi yabwino kapena wothandizira amene angakuthandizeni kupeza ndondomeko yoyenera pa zosowa zanu ndikuthandizani kuyendetsa bizinesi yanu kudutsa muyeso ya inshuwalansi zosankha.
Kugula inshuwalansi yolemala ku bizinesi yanu yaing'ono sikuyenera kukhazikitsidwa pa mtengo wokwera mtengo wokha. Kupeza ndondomeko yabwino ya bizinesi yanu kudzafuna kuyang'ana pazofunikira zofunika pazochitika zanu ndi ndondomeko yanu.